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:

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

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 premium paying term when you opt for the ‘base cover’ is 5, 8, 10, 12 years, Regular Pay and Single Pay. 

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.