The insurance plan that gives added protection, savings and multiple options, all in one.

Features Choose your contribution amount Increase your premium contribution as required. Choose between 3 levels of cover (in the form of sum assured) for the same amount of total annual contribution. Flexibility of shifting between the three levels of cover (as per your changing requirements) Flexibility of receiving your maturity proceeds as a lumpsum or in equal annual instalments over 3 or 5 years. Level of Sum Assured Amount of SA Basic Annual Prem* (Term-5) Standard Annual Prem* Term Enhanced Annual Prem* (Term+5)

Accumulation of policy value At the end of every year, the company will declare a bonus interest that will be applied on the allocable portion (premium after deduction of charges) of your premium. This bonus interest will have a compounding effect on the value of your policy. The payment of the accumulated value of your policy (including the bonus interest declared) is guaranteed on maturity, or in the case of unfortunate death, along with the sum assured.

The Benefits On Maturity The accumulated value of the policy will be paid at maturity. If the value of your investment is more than the accumulated value of your policy, then that too will be paid. On Death On death of the life assured up to age 7 years, the accumulated value along with the bonuses will be paid. On death of the life assured after age 7 years, the beneficiary will get the sum assured and the accumulated value, including bonuses will be paid.

Added Benefits Loans : Available after 3 premium paying years. Surrender Value Policy acquires a surrender value after 3 premium years. The guaranteed surrender value is 35% of {All premiums paid – (first year’s premiums + rider premiums + extra premiums)}

Riders Added protection to your family against any health hazards or unfortunate eventualities. Critical Illness Rider Major Surgical Assistance Rider Accident and Disability Benefit Rider Accident Benefit Rider Income Benefit Rider Waiver of Premium Rider

Eligibility Age : 0 – 60 years Maximum cover ceasing age : 75 years Term : 10 – 30 years Minimum Premium : Rs. 6,000 p.a.

Charge structure Premium allocation 43% of your premium in the first year. 85% in the 2 nd and 3 rd year. 95% from the 4 th year onwards Fixed charge of Rs. 300 per annum The investment administration charges would be an amount equal to 1.25% of the investment value. Mortality would be charged on an annual basis from the contribution.

SecurePlus – At a glance

Underwriting Guidelines