New Unit Gain.

[biznus]

New Unit Gain

Premium - Minimum 12000/-


Age Limit - 0 to 55 Year (for 18-50 in case of additional rider
benefits)


Policy Term - 20 years



Maturity Age Limit - 18 Years to 75 Years



Sum Assured - 10 X Annualised premium

Riders:-


UL Accidental death benefit
UL Accidental Parmanent Total/ Partial Disablity benefit
UL Hospital Cash Benefit
UL Critical Illness Benifit
UL Waiver of Premium Benifit
UL Family Income Benifit

Funds Options:- Assets Allocation Fund

Assets Allocation Fund
Bond Fund
Equity Growth Fund
Equity Index Fund II
Accelerator Mid - Cap Fund
Liquid Fund

Premium Allocation -

Year Allocation Rates Additional Allocation
1 45% 51% *
*Additional, Loyalty Units equivalent to 5.1% of the first year's
Annual Premium will be allocated from 4th to 13th policy year,if
regular premium is paid.
2-5 96%
6-13 98%
14+ 100%

Maturity Benifit - Premium Fund value

Death Benefit - If death of the life assured occurs before the
maturity date then the death benefit will be :
Sum Assured or Premium Fund value whichever is higher.

Surrender Charges - Nil After 10 Policy Years

Partial Withdrawals - Partial withdrawals of units are allowed after
three years from the Policy Commencement Date provided :
a). Regular Premium for three full Policy Years has been paid.
b). Minimum remaining balance of Regular Premium Fund Value after the
porposed withdrawal shall be 3 times the Annual Premium (across all
funds).

Revival - Revival Period offered each 2 years from 1st unpaid premium
All due unpaid regular premiums are to be paid to revive the policy.