IN UNIT LINKED INSURANCE POLICIES, INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. This advertisement is designed for combination of Benefits of two or more individual and separate products named (1) Edelweiss Tokio Life - Guaranteed Savings STAR UIN (147N074V01), A Non-Linked, Non-Participating, Individual, Savings, Life Insurance Plan (2) Edelweiss Tokio Life – Wealth Rise+ UIN (147L076V01), A Unit Linked, Non-Participating, Individual, Life Insurance Product. These products are also available for sale individually without the combination offered/suggested. This benefit illustration is the arithmetic combination and chronological listing of combined benefits of individual products. The customer is advised to refer to the detailed sales brochure of respective individual products mentioned herein before concluding sale.
Reasons Why This is a Smart Solution for Your Investment!
Savings with market-linked returns and guaranteed¹ money-back on your total investment in one solution
Provide for your child’s future with Little Star Benefit option & Edelweiss Tokio Life – Payor Waiver Benefit Rider⁹, even in your absence
Life Cover 10X of annualized premium for the entire policy term, for your loved ones
Option to make partial withdrawal and receive part of your fund value in a systematic way
Key Features of Capital Secure+
Capital Guarantee: Market-Linked + Guaranteed1 Returns
Safeguard Your Capital!Here is your solution for a safe investment. Avail market-linked returns by investing your wealth in 7 diverse fund options. Also, get your total invested premiums back at maturity of the policy with guaranteed¹ benefits. This combo solution secures your money while also provides the potential for better returns.
Benefits for Your Little Star
Unleash your child’s potential! Choose Little Star Benefit option and Edelweiss Tokio Life - Payor Benefit Rider⁹ to secure your child’s dreams. Even in case of your demise, policy benefits continue with all future premiums waived off.
Strategize Your Portfolio
Choice of 2 investment strategies#! You can manage your funds in 2 ways—with a self-managed strategy or a life stage and duration-based strategy. With the Self-Managed Strategy, you can get unlimited switches to decide where you want to allocate your funds by yourself. With the Life Stage and Duration Strategy, we’ll do this for you and manage your funds.
7 Funds to Match Your Preference
Fund! Fund! Which fund do you choose? A diversified bouquet of 7 funds, including Equity & Debt, to cater to every investor’s risk appetite. The funds available are Equity Large Cap Fund, Equity Mid Cap Fund, Equity Top 250, Equity Blue Chip Fund, Bond Fund, Managed Fund and GILT Fund.
Generate Income from Your Returns
Easy Liquidity, anytime! Make partial withdrawals from your funds in a systematic way with Systematic Withdrawal Plan option#. This provides liquidity to fulfil any monetary requirement for various short-term and long-term goals in life. Under this option, the pre-decided percentage of fund value is paid as per the frequency chosen by you, till the end of the policy term.
Customize Your Plan
Get in control of your plan! Under Base Cover, you can pay your premium with for a limited period of 5, 8, 10 ,12 years. At inception of the policy, you have the flexibility to choose Little Star Benefit and Edelweiss Tokio Life – Payor Waiver Benefit Rider⁹ together, policy term, premium paying term and premium paying mode (monthly, quarterly, semi-annually, or annually)
With Your Family, Always
Protection for your loved ones! Secure your family’s future with the benefit of 10X life insurance coverage of annualized premium, that too throughout the policy duration.
We want our customers to be financially secured and enable them to achieve their financial goals.
We have the expertise in making you grow your wealth.
We constantly innovate our offerings to get better results to secure your future.
Thanks, all queries resolved in one call to satisfaction. I am rating the services as 10.
Very helpful during call thanks to Ms Ayesha A customer care executive
He was very much clear about the issue and the importance of it.. Thanks rohit
Your customer support is doing excellent job.keep up the good work.
The Customer Care Executive - Ms Afreen Sheikh was very prompt in resolving my query!!
A solution that combines the benefits of Unit Linked Insurance Plans (ULIPs) and guaranteed returns plans. This type of a solution provides you the best of both worlds - security of your money invested and an opportunity to grow your money. Also, you get life cover for the entire policy duration ensuring that your family is protected even in your absence. If you are looking for a guarantee on your money invested along with additional returns to fulfil goals such as children’s education, retirement planning, child’s marriage etc., then this is a must-have solution for your savings and investment!
By combining the advantages of market linked returns (Edelweiss Tokio Life Wealth Rise+) and guaranteed returns (Guaranteed Savings Star), you can save and accumulate wealth for the future and enjoy the best of both worlds. It may be a great choice for someone who wants to keep a balanced and diversified portfolio with both market linked and guaranteed products.
You invest your money in various market-linked investment funds based on your risk profile while also ensuring that at the end of the policy duration, your capital is secured irrespective of the capital market changes. Additionally, this solution ensures that in case of any unfortunate event, your family stays protected.
Investing money can be challenging and we will help you simplify it. When planning your portfolio, to diversify it, three major product types are a must- 1) a plan that offers life cover, 2) market-linked returns and 3) and guaranteed returns. Capital Secure+ is a 3-in-1 solution for all these requirements. So, if you are looking for a balanced portfolio, Capital Secure+ is the ideal solution for you. No need to be hassled in managing 3 separate plans when you can get all the benefits in one.
This plan can help you save for all kinds of goals—short term or long term, with policy term starting from 10 years to 40 years.
With the Systematic Withdrawal Plan, you may choose to withdraw capital at regular pre-decided intervals based on your life-stage requirements. And you may also withdraw capital for any emergency.
You, as a customer, have the choice of purchasing any one or both products as per your need and choice. There is no compulsion whatsoever that these products are to be taken together as suggested by the insurer and presented in this proposed product combination.
Under this plan, you get life cover of 10 times annualized premium depending on the annualized premium chosen.
The 7 fund options are as follows:
The 7 funds are mixed in a way to suit your risk appetite. Some people like to play with higher risks, while others prefer to take moderate risks. Funds like Equity Large Cap Fund, Equity Top 250 Fund, Equity Mid-Cap Fund, and Equity Blue Chip Fund, Bond Funds have high risks, Managed Funds have medium risks, and GILT Fund has low to medium risks
You can start your savings at just ₹1,000 per month.
The Policy Terms (PT) available under the product are as follows:
Base Cover - 5, 10, 15, 20, 25, 30, 35, 40 years and ‘To Age 100’ where policy term is (100 – ‘Age at Entry’) years.
On the death of the policyholder under ‘Little Star Benefit’:
For a premium paying policy, Death Benefit equal to the sum of all the future modal Premiums, if any, shall be added to the respective unit linked funds in the same proportion as the fund value held in the unit linked funds at the time of additions.
After the crediting of death benefit to fund value:
• The Policy will continue till Maturity or death of Life Insured, whichever is earlier.
• No future premiums are required to be paid.
• Policy will not move in discontinued status, as the policy will be treated as fully paid-up policy, wherein all future premiums are assumed to have been paid.
• Loyalty Additions will be added till end of the premium paying term provided the policy was in in force as on the date of death of policyholder.
• Maturity Additions, Booster Additions and Guaranteed Lumpsum will be added as and when due.
• Life Cover on Life Insured will continue
• Relevant charges like Policy Administrative Charges, Fund Management Charges and Mortality charges on
Sum at Risk on the life of Life Insured will continue to be levied as and when due.
For a fully paid-up policy, reduced paid-up policy and policies in discontinuance status, death benefit is not available on death of policyholder.
Payor Waiver Benefit is applicable on the death of the policy holder. In such a case, all your remaining premium payments will be waived off and your policy benefits will continue unaffected. This Rider is applicable on plans where the life insured, and proposer of the policy are different people.
There are no charges on premium allocations, top-up allocations, switching funds, premium redirections, or partial withdrawals. Fund management charges are a percentage of the asset value of the relevant fund and will be reflected in the NAV of the respective fund. Policy administration charges are also applicable up to 10th policy year, irrespective of the premium paying term.
Capital Secure+ offers guaranteed return of premiums at maturity. In case of demise of the policyholder during the policy term, the life cover is guaranteed.
You have a period of 15 days from the date of the receipt of the policy document. Policies will have a free look period for 30 days in case of electronic policies and policies obtained through distance mode/marketing.
In case of death due to suicide within 12 months from the date of commencement of policy or from the date of revival, your nominee or beneficiary shall be entitled to the available fund value as on date, of the intimation of death.
Grace period of 15 days is available for monthly premium payment mode and 30 days for all other premium payment mode.
Yes, Life Cover of 7 times to 10 times annualized premium on individual life depending on the annualized premium chosen is available throughout the policy term, provided all premiums are paid and the policy is in-force.
The Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender/withdraw the monies invested in Linked Insurance Products completely or partially till the end of the fifth year.
1- This is applicable only if all due premiums are paid and the policy is in-force.
3- As per provisions of Income Tax Act, 1961. Tax benefits are subject to changes in tax laws.
9- Riders are available at extra cost. Please refer rider brochure for more details.
Edelweiss Tokio Life – Payor Waiver Benefit Rider is only the name of the Individual, Non-Linked, Non-Par, Pure Risk Premium, Life Insurance Rider. UIN 147B014V04
#- This benefit is applicable under Edelweiss Tokio Life Wealth Rise+, A Unit Linked, Non-Participating, Individual, Life Insurance Product. This product is also available for sale individually without the combination offered/suggested.
Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. The premium paid in unit linked life insurance policies are subject to investment risk associated with capital markets and the unit price of the units may go up or down based on the performance of investment fund and factors influencing the capital market and the policyholder is responsible for his/her decisions. Edelweiss Tokio Life Insurance Company Limited is only the name of the Insurance Company and Edelweiss Tokio Life – Wealth Rise+ is only the name of the unit-linked life insurance contract and does not in any way indicate the quality of the contract, its future prospects, or returns. Please know the associated risks and the applicable charges from your Personal Financial Advisor or the Intermediary or policy document of the Insurer. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. Tax benefits are subject to changes in the tax laws. UIN: 147L076V01
Edelweiss Tokio Life - Guaranteed Savings STAR is a Non-Linked, Non-Participating, Individual, Savings, Life Insurance Plan. Tax benefits are subject to changes in the tax laws. The tax benefits under this Policy may be available as per the prevailing Income Tax laws in India. For more details on risk factors and terms and conditions, please read sales brochure carefully before concluding a sale. UIN: 147N074V01