|Particulars||Base Option||Family Protection Option*|
|Minimum Entry Age (last birthday)||1 years||18 years|
|Maximum Entry Age (last birthday)||50 Years||40 Years|
|Minimum Maturity Age (last birthday)||18 Years||28 Years|
|Maximum Maturity Age (last birthday)||70 Years||60 Years|
|Policy Term/Premium Paying Term (PPT)||PPT (years)||Policy Term (years)|
|5||10 to 20|
|7||10 to 20|
|10||15 to 20|
|12||15 to 20|
|Minimum Sum Assured on Maturity (₹, Rs)||1,00,000|
|Maximum Sum Assured on Maturity (Rs.)||No limit, subject to underwriting|
|Premium Paying Mode||Annual, Semi-Annual, Quarterly, Monthly|
|Minimum Annualised Premium (Rs.)||Mode/ PPT (years)||5||7||10||12|
|Semi - Annual||72,000||72,000||48,000||48,000|
|Maximum Premium (Rs.)||No limit, subject to underwriting|
|Death Benefit||Under Base option : If the Life Insured dies during the policy term while the policy is in-force, the sum of the following shall be payable and the policy will terminate
On payment of the above benefit, the policy will terminate and all rights, benefits and interests under the policy shall cease to apply.
Under Family Protection Option : If the Life Insured dies during the policy term while the policy is in-force, Sum Assured on Death shall be payable immediately. The death benefit payable will not be less than 105% of total premiums paid as on date of death.
|Loyalty Sum Assured||As the plan progresses, the Loyalty Sum Assured gets added to the policy without any change in premium amount. This will
accrue at the end of every 5 policy years starting from the end of 5th policy year as mentioned in the table below:
|Maturity Benefit||On maturity date, while the policy is in-force, the sum of the following shall be payable:
|Enhanced Protection through Riders||A rider is an add-on provision to the base plan. Riders can help in making the plan more comprehensive by paying an additional premium. Riders can be added at the inception of the policy or at policy anniversary during the Policy Term subject to underwriting and terms and conditions of the riders and the product.
Following riders are available with this plan:
|Large Premium Discount||With Edelweiss Tokio Life – Smart Lifestyle, we reward you with a premium discount if you trust us with high premium. The
applicable large premium discount is as per table below:
|Loan Benefit||A life insurance policy should be handy for the insured in case of any adverse financial emergencies and this plan is designed to meet just that, whereby he/she can avail a loan under the policy once the policy acquires surrender value.
The maximum loan amount is 80% of Surrender Value applicable under the policy when a request for a loan is received less any outstanding policy loan plus accumulated/accrued interest, if any, on that date.
|Surrender Benefit||For the premium paying term of 5 and 7 years, the policy will acquire Surrender Value only from second policy year provided the insurance company has received full premiums for the first two policy years.
For the Premium Paying Term of 10 and 12 years, the policy will acquire Surrender Value only from third policy year, provided the insurance company has received full premiums for at least first three policy years.
On Surrender, the policy shall be terminated and all the benefits under the policy shall cease to apply. On Surrender of the policy, the insurance company will pay the higher of Guaranteed Surrender Value or Special Surrender Value.
|Free Look / Grace Period||15 / 30 days|