IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER

Calculate Your Total* Returns

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Minimum investment amount should be Rs. 1,000

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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.

 

Capital Secure+ - Growth, Now with Assurance¹

 

Investing in the market, now comes with a safety net! Introducing Capital Secure+, which offers market-linked returns along with 100% money-back of total premiums paid on maturity. With this solution, start saving for your personalized goals such as child’s education, well-planned retirement, buying your dream home, and so on.

A Multi-Purpose Solution to Manage Your Finances!

Wealth Builder

Wealth Builder

Money making is not only about earning and saving but the result of your approach towards investments. Reap the benefits of market-linked and guaranteed1 return of premiums paid with this solution.

Goal Planner

Goal Planner

Big goals or small, savings on their own may not be enough. With guided planning, fulfil your goals such as ‘Grow Money’, ‘Retirement’, ‘Child’s Future’ & ‘Tax Saving’ as you proceed with your journey.

Low-Key Investment

Low-Key Investment

Even a small premium could grow into big savings! If you are not in favor of huge investments, you can start your savings journey with premium as affordable as ₹3000/month².

Risk Appetite Understander

Risk Appetite Understander

Investors have different investment styles. Under Self-Managed Strategy# option, allocate premium in a choice of 7 funds in the proportion you like. These funds are designed to suit high, medium, and low market risks.

Emergency Funds

Emergency Funds

An emergency corpus comes handy during unexpected times. Systematic Withdrawal Plan# option allows you to systematically withdraw your fund value every month/quarter/half-year/year from 10th policy year.

Wealth Boosters

Child’s Future

Little Star Benefit + Edelweiss Tokio Life – Payor Waiver Benefit Rider⁹ to secure your child’s future even in your absence, with all future premiums waived off and policy benefits continued.

Life Cover

Life Cover

A financial cushion for your dependents in your absence. With Base Cover, secure coverage 10X annualized premium. It keeps your family protected throughout the policy term.

Tax Benefits

Tax3 Benefits

Premium amount paid towards this solution is eligible for tax benefits3 u/s 80C and both market-linked and guaranteed1 returns are exempt if conditions u/s 10(10D) of Income Tax Act, 1961, are fulfilled.

Wealth Builder

Wealth Builder

Money making is not only about earning and saving but the result of your approach towards investments. Reap the benefits of market-linked and guaranteed1 return of premiums paid with this solution.

Goal Planner

Goal Planner

Big goals or small, savings on their own may not be enough. With guided planning, fulfil your goals such as ‘Grow Money’, ‘Retirement’, ‘Child’s Future’ & ‘Tax Saving’ as you proceed with your journey.

Low-Key Investment

Low-Key Investment

Even a small premium could grow into big savings! If you are not in favor of huge investments, you can start your savings journey with premium as affordable as ₹3000/month².

Risk Appetite Understander

Risk Appetite Understander

Investors have different investment styles. Under Self-Managed Strategy# option, allocate premium in a choice of 7 funds in the proportion you like. These funds are designed to suit high, medium, and low market risks.

Emergency Funds

Emergency Funds

An emergency corpus comes handy during unexpected times. Systematic Withdrawal Plan# option allows you to systematically withdraw your fund value every month/quarter/half-year/year from 10th policy year.

Wealth Boosters

Child’s Future

Little Star Benefit + Edelweiss Tokio Life – Payor Waiver Benefit Rider⁹ to secure your child’s future even in your absence, with all future premiums waived off and policy benefits continued.

Life Cover

Life Cover

A financial cushion for your dependents in your absence. With Base Cover, secure coverage 10X annualized premium. It keeps your family protected throughout the policy term.

Tax Benefits

Tax3 Benefits

Premium amount paid towards this solution is eligible for tax benefits3 u/s 80C and both market-linked and guaranteed1 returns are exempt if conditions u/s 10(10D) of Income Tax Act, 1961, are fulfilled.

Performance of Our Funds

If you invest
for annually, your investment value will be 600000*
Past Return Values & Benchmark Return Values are updated as of 30th November 2021
Fund NameFund Inception Date
Benchmark Returns(%)
Equity 250Nifty 250* 10 Years Since 101014.4614.46
100%
₹ nanimg
Equity Large capNifty 200* 20/04/2000 20 Years12.4612.46
100%
₹ nanimg
100%

Our Returns/ Benchmark (%)
Projected Returns*
100%

Past performance is not an indicator of future performance.

* Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your insurer carrying on life insurance business. If your policy offers guaranteed benefits then these will be clearly marked "guaranteed" in the illustration table on this page. If your policy offers variable benefits then the illustrations on this page will show two different rates of assumed future investment returns. These assumed rates of return are not guaranteed and they are not the upper or lower limits of what you might get back, as the value of your policy is dependent on a number of factors including actual future investment performance.

What Makes Edelweiss Tokio Life Your Ideal Partner?

98.09% Claim Settlement Ratio^⁴

Our Promise of Integrity - 97.01% Claim Settlement Ratio for FY 2022.

Life Insurance Company of the Year

BFSI Excellence - Life Insurance Company of the Year 2021^²

Best Customer Experience

Best Customer Experience & Contact Center Management - Life Insurance 2021^³

Need expert advice?

Fire Away Queries

Like teachers say, there are no silly questions

What is a Capital Guarantee Solution?

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 educationretirement planning, child’s marriage etc., then this is a must-have solution for your savings and investment!

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Why should I opt for Edelweiss Tokio Life Capital Secure+?

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.

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Do I need 3 separate Plans for Financial Security?

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.

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What goals can I achieve with this plan?

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.

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Can I buy these combo products individually?

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.

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What are the cover options available with this plan?

Under this plan, you get life cover of  10 times annualized premium depending on the annualized premium chosen.

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What are the 7 fund options available to choose from?

The 7 fund options are as follows:

  • Equity Large Cap Fund
  • Equity Top 250 Fund
  • Equity Mid-Cap Fund
  • Managed Fund
  • Bond Fund
  • Equity Blue Chip Fund
  • GILT Fund

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Which is the best fund for me?

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.

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What is the lowest premium that can be paid for this plan?

You can start your savings at just ₹6,000 per month under limited and regular pay options.

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What is the maximum premium that can be paid for this plan?

What are the policy term options available in the plan?

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.

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What will the child get from the Little Star Benefit + Edelweiss Tokio Life –Payor Waiver Benefit Rider?

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.

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Do I have to pay any plan charges?

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.

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What are the guaranteed benefits with this solution?

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.

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What is the free look period?

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.

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Are there any exclusions?

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.

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What is the Grace Period available?

Grace period of 15 days is available for monthly premium payment mode and 30 days for all other premium payment mode.

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Is the Life Cover available throughout the policy term?

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.

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Related Videos

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.

* Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your insurer carrying on life insurance business. If your policy offers guaranteed benefits then these will be clearly marked "guaranteed" in the illustration table on this page. If your policy offers variable benefits then the illustrations on this page will show two different rates of assumed future investment returns. These assumed rates of return are not guaranteed and they are not the upper or lower limits of what you might get back, as the value of your policy is dependent on a number of factors including  actual  future  investment performance.

#- 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.

^¹  - Festival Of Insurance Awards 2020 on Sahara Samay Hindi News Channel on 27th December, 2020 - YouTube. For CSR Activity and Digital Sales Channel (Insurance Alerts Excellence Awards 2020)

^²  - https://cloud-user-recordings-ffmpeg-converted-prod.s3-ap-south-1.amazonaws.com/recordings/ccd117b0-be48-11eb-9782-b590083730e8/3b7e25a3-b9b4-47b0-9f68-70eeb8062d60/ccd117b0-be48-11eb-9782-b590083730e8_0001_474830a2.mp4 (Awarded by Quantic Business Media BFSI Excellence Awards 2021)

^³ -  https://thealdenglobal.com/inflection-conference-awards/

^⁴ Claim statistics are for Financial Year 2020-21 and is computed basis individual claims settled over total individual claims for the financial year. For details, refer to Public Disclosures in our Website

 

1 - This is applicable only if all due premiums are paid and the policy is inforce.

3 - As per provisions of Income Tax Act, 1961. Tax benefits are subject to changes in tax laws.

9 - Riders are Optional and 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

 

Edelweiss Tokio Life Insurance Company Limited.

IRDAI Reg. No.: 147. CIN: U66010MH2009PLC197336. UIN: 147L076V01 | ARN:  LP/2898/Nov/2022 

Registered & Corporate Office: 6th Floor, Tower 3, Wing ‘B’, Kohinoor City, Kirol Road, Kurla (W), Mumbai 400070.

Toll Free No.: 1800 212 1212 | Fax No.: +91 22 6117 7833 | www.edelweisstokio.in

Flower & Edelweiss are trademarks of Edelweiss Financial Services Limited; Tokio is Trademark of Tokio Marine Holdings Inc. and used by Edelweiss Tokio Life Insurance Co. Ltd. under license.

 

In Unit Linked policies the investment risk in the investment portfolio is borne by the policyholder. 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.

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 (3) Edelweiss Tokio Life – Payor Waiver Benefit Rider UIN (147B014V04), A Non-Linked, Non-Participating, Individual, Pure Risk Premium, Life Insurance Rider. 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.

 

BEWARE OF SPURIOUS PHONE CALLS AND FICTIOUS/FRAUDULENT OFFERS

IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint