Insurance

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• Data
Sheet
• Require
d
Docume
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• NRI Products
Questio
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• Financia • Future Guarantee Advantage Product Reckoner
l • Future Saral Anand - Product Reckoner
Questio
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• Minor Future Guarantee Advantage Product Reckoner
Life
Questio
Future Guarantee Advantage - An ideal ‘All-in-One’ Investment & Insurance package with Guaranteed Additions
nnaire
upto 165% of 1st year annual premium
• Non
Standar
d Age Sl.
Eligibility Criteria Simplified Underwriting
Proof No.
Consent 1 Minimum Entry Age 30 days
Letter 2 Maximum Entry Age 50 years
• Affidavit 3 Yearly Contribution required Rs.11,000/ -
• Maiden 4 Term 20 years. No surrender charge after 1st 5 policy years
Name 5 Maximum Maturity Age 70 years (as on last birthday)
Declarati 6 Sum Assured Multiple (S.A) 10 times of annualized premium (A P)
on Multiple of SA for (Range)Std Multiple of SA for (Range) Non
Age (Yrs)
Age proof Std Age proof
7 Maximum Sum Assured 0 - 40 5 – 25 times 5 – 15 times
41 - 45 5 – 15 times 5 – 12 times
46 - 50 5 – 10 times 5 – 10 times
8 Premium Yearly Mode, In multiples of Rs. 11,000

* Multiple policies upto maximum premium limits allowed

Benefits from the plan

Sr.
Parameter Description
No.
st
Guaranteed Loyalty Addition of 1 year premium at Maturity
Maturity in Years 10 15 20
1 Guarantee
Guaranteed Loyalty Additions at Maturity as %
60% 110% 165%
of 1st Year Annual Premium (20 Year Term)
- Natural Death: Sum Assured + Fund Value (less Deductible Partial Withdrawals made during
last 2 years prior to the date of death) + Guaranteed Loyalty Addition (if death occurs after 8 policy
years

- Accidental Death: 3 times Sum Assured + Fund Value (less Deductible Partial Withdrawals
made during last 2 years prior to the date of death) + Guaranteed Loyalty Addition (if death occurs
after 8 policy years)
2 Death Benefit
*** In case of death after 8 yrs from the date of commencement and provided premiums
have been paid for at least 5 full years, then “Guaranteed Loyalty Addition at Maturity” will
also be payable

3 Maturity Benefit
4 Surrender
*** No accidental benefit is payable if the life assured is a minor at the time of death under
the policy
Fund Value as on the date of Maturity plus the Guaranteed Loyalty Additions at maturity
No surrender charges after 5 policy years premiums have been paid
• Partial withdrawal can be made after the policy has completed at least 7 full policy years

• 1 partial withdrawal is allowed per policy year free of charge

5 Partial Withdrawal
• Minimum Partial Withdrawal amount is Rs.5,000 (& in multiples of
thousands thereafter)