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- Capital Secure+ - A Combination Of Market-Linked And Guaranteed Returns
- Edelweiss Tokio Life –Wealth Rise+ – A double-advantage ULIP
- Edelweiss Tokio Life – Premier Guaranteed Income – A guaranteed income plan
- Edelweiss Tokio Life –Wealth Secure + - A new generation ULIP
- Edelweiss Tokio Life- Zindagi Protect - A Comprehensive Term Plan
- All Products
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Guaranteed¹ Achievement of Your Future Goals
Presenting, the plan that gives you a life cover & guaranteed¹ amount
on maturity - Edelweiss Tokio Life Dhan Labh
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Take a step ahead to grow your savings
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Dhan Labh Brochure

A Multiple of single/annualized premium as life cover at all time during policy tenure
Product Brochure

Sample Contract

Reasons why this plan will bring you guaranteed¹ happiness!
Reasons why this plan will bring you guaranteed¹ happiness!
Know What You're Getting
This plan has the advantage of letting you know exactly what amount of benefits you get upon investing.
A Little Extra Makes Everything Better
Get Assured Additions starting from the 13th year of your policy and maximize your benefits!
Complete Your Payments Quicker
This plan provides flexibility to pay premium for a limited period with protection and guaranteed¹ benefits for a longer period.
The Higher*³ You Go, The More You Gain
With this plan, you get rewarded with additional benefits when you opt for higher premiums.
Benefits of Dhan Labh
Benefits of Dhan Labh
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Guaranteed¹ Benefits
Get no surprises! With this plan, get guaranteed benefits no matter the circumstance, on your investment. By knowing exactly how much you’re getting out of it, so you can plan your future goals accordingly.
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Extra Benefits on Higher*³ Premiums
Aim higher*³ and get rewarded! We like rewarding those who do more. That is why this plan gives you extra benefits when you opt for higher*³ premiums.
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Loan² Facility
Don’t let financial trouble stop you from your goals! We want you to live your zindagi unlimited, even if you need a little support to do it. That is why Edelweiss Tokio Life Dhan Labh offers you the choice to avail a loan² for urgent need of cash flow.
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Assured¹ Additions
Long-term friends get better gifts! We love treating those who are with us for longer by giving assured additions that help you maximize your benefits. These additions start from the 13th policy year.
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Tax Benefits³
No deductions, no worries! That is why the premiums you pay are eligible for deductions under section 80(C) and the returns you get from it are exempt from taxes under section 10(10D)







Guaranteed¹ Benefits
Get no surprises! With this plan, get guaranteed benefits no matter the circumstance, on your investment. By knowing exactly how much you’re getting out of it, so you can plan your future goals accordingly.

Limited Pay
Don’t spend your retirement paying off premiums! With the Limited Pay Option, you can complete all of your premium payments in 7, 10 or 12 years and enjoy your benefits till the end of the policy term

Extra Benefits on Higher*³ Premiums
Aim higher*³ and get rewarded! We like rewarding those who do more. That is why this plan gives you extra benefits when you opt for higher*³ premiums.

Loan² Facility
Don’t let financial trouble stop you from your goals! We want you to live your zindagi unlimited, even if you need a little support to do it. That is why Edelweiss Tokio Life Dhan Labh offers you the choice to avail a loan² for urgent need of cash flow.

Assured¹ Additions
Long-term friends get better gifts! We love treating those who are with us for longer by giving assured additions that help you maximize your benefits. These additions start from the 13th policy year.

Flexibility In Choosing Your Terms
Let the plan suit your needs! You can choose your Policy Term and Premium Paying Term according to your requirements. Choose between 15, 20, 25 and 30 years as your Policy Term and 7, 10 and 12 years as your Premium Paying Term.

Tax Benefits³
No deductions, no worries! That is why the premiums you pay are eligible for deductions under section 80(C) and the returns you get from it are exempt from taxes under section 10(10D)

Choice of 6 Riders⁹
Choice of 6 Riders⁹
Accidental Death Benefit Rider
This rider provides financial security in the form of an additional life cover to your loved ones in case of demise due to an accident.
Accidental Total and Permanent Disability Rider
With this rider, you can get a lump sum amount to manage your expenses in case total or permanent accidental disability has hindered your earning capacity.
Critical Illness Rider
In case you are diagnosed with one of 12 listed critical illnesses, this optional benefit will provide you 100% of the Rider Sum Assured after 30 days of diagnosis.
Income Benefit Rider
Get the power of providing financial security in the form of regular income to your family when you’re no longer around with this rider.
Waiver of Premium Rider
In case of critical illness, accidental total and permanent disability or death, get all future premiums waived off through this optional benefit.
Payor Waiver Benefit Rider
With this rider, if the proposer of the policy suffers from an unfortunate event like death, disability or critical illness, all future premiums are waived off and the policy continues for the life insured.
Edelweiss Tokio Life - Accidental Death Benefit Rider - UIN 147B002V04
You never know when an accident can befall you, and lead to unfortunate circumstances. By definition, an Accidental Death is a traumatic death caused solely due to an accident, occurring independently of any other causes and within ninety (90) days of such trauma, proved to the satisfaction of the insurer.
It is a sudden situation, which can often leave your loved ones scrambling to make arrangements for their future. By opting for this Rider, you can make sure your loved ones get financial security in these unforeseen circumstances.
The entry age for this rider spans between the age of 18 till 65. This rider looks out for your family’s financial needs in case of an accident causing your unfortunate demise. The policy term for this rider ranges between 5 to 52 years with maturity age between 23 to 70 years. You can carry out your payments through options like Single Pay, Regular Pay and Limited Pay but the frequency of these payments must match your selections in the base plan. The annual premium amount for this rider is Rs. 0.50 (excluding service tax) for a Sum Assured of Rs. 1000. The minimum Sum Assured received from this rider is Rs. 10,000, while there is no limit on the maximum Sum Assured value, subject to Reinsurance capacity.
This Rider is available on purchase of Active Income, GCAP, Income Builder and Cash Flow Protection Plus.
Edelweiss Tokio Life - Accidental Total and Permanent Disability Rider - UIN 147B001V04
Accidents are unpredictable and can have long-lasting impacts. In case you are left with a total and permanent disability due to an accident, it can affect your ability to continue your occupation and can hamper your efforts to provide for your loved ones. This Rider provides aid in the form of a lump sum amount, so you can manage your expenses. It comes into effect after 180 days of your condition being presented.
The entry age for this rider can range between 18 to 65 years. This rider provides financial security in case of total and permanent disability caused by an accident. The policy term for this rider ranges between 5 to 52 years with maturity age between 23 to 70 years. You can carry out your payments through options like Single Pay, Regular Pay and Limited Pay but bear in mind that the frequency of these payments must match your selections in the base plan. It is important to note that the total rider premiums should not exceed 30% of the base plan premium. The minimum Sum Assured received from this rider is Rs. 1,00,000, while there is no limit on the maximum Sum Assured value, subject to Reinsurance capacity . However, the maximum sum assured cannot exceed the value of the Sum Assured of the base plan.
Edelweiss Tokio Life - Critical Illness Rider - UIN 147B005V04
Diagnosis of a critical illness can be a bitter pill to swallow, forcing you to make drastic changes to provide for your loved ones. By opting for this Rider, you can be better prepared in case you face such a situation. Thus, upon diagnosis of a critical illness, we will provide you with the Sum Assured amount to manage your expenses.
The critical illnesses covered under this Rider are - Cancer of Specified Severity, Open Chest CABG, Myocardial Infarction (First Heart Attack of specific severity), Open Heart Replacement OR Repair of Heart Valves, Kidney Failure, Requiring Regular Dialysis, Third Degree Burns, Major Organ / Bone Marrow Transplant, Permanent Paralysis of Limbs, Stroke Resulting in Permanent Symptoms, Surgery of aorta, Coma of Specified Severity and Blindness.
With an entry age spanning from 18 to 65 years, this optional benefit’s term period can last anywhere between 5 to 52 years. The maturity age of Edelweiss Tokio Life Critical Illness rider is between 23 to 70 years of age. You can choose different payment options like Single Pay, Regular Pay and Limited Pay to purchase this rider, but this frequency will depend on the choice you have made in your base plan. The maximum Sum Assured you will get from this optional benefit is Rs. 50,00,000. The benefit is payable only once during the term of the policy. The cover under this rider will cease after a claim under this rider is paid.
Edelweiss Tokio Life - Income Benefit Rider - UIN 147B015V02
You are one of the pillars of support for your loved ones, but unforeseen circumstances can take you away from them. In such cases, it is important to make arrangements for your family, so their future is protected. Thus, this Rider helps provide them with a monthly income so they can manage their expenses when you’re no longer around to support them.
With an entry age spanning from 18 to 65 years, this rider’s term can last anywhere between 5 to 52 years. The maturity age is between 23 to 70 years of age. The minimum premium amount for this rider is Rs. 101 and the maximum amount is based on age, gender, policy term, premium paying term and Sum Assured. Bear in mind that this amount cannot exceed beyond 30% of your base plan’s premium. You can choose different payment options like Single Pay, Regular Pay and Limited Pay to purchase this rider, but this frequency will depend on the choice you have made in your base plan. The minimum Sum Assured you will get from this optional benefit is Rs. 75,000. There is no limit on the maximum Sum Assured value. On death of the life assured, a monthly death benefit amount equal to 1% of the sum assured would be paid for the next 150 months to his or her family.
Edelweiss Tokio Life - Waiver of Premium Rider - UIN 147B003V05
Unfortunate events can come into life without any warnings, leaving you worried about the future of you and your family. In case you are diagnosed with a critical illness, suffer from total and permanent disability due to an accident or death, this Rider comes to your aid. With this, any future premium payments that are remaining are waived off, keeping all benefits of your chosen plan intact. The critical illnesses covered in this plan are - Cancer of Specified Severity, Open Chest CABG, Myocardial Infarction (First Heart Attack of specific severity), Open Heart Replacement OR Repair of Heart Valves, Kidney Failure, Requiring Regular Dialysis, Third Degree Burns, Major Organ / Bone Marrow Transplant, Permanent Paralysis of Limbs, Stroke Resulting in Permanent Symptoms, Surgery of Aorta, Coma of Specified Severity and Blindness.
This optional benefit has an entry age ranging between 18 to 65 years and a maximum maturity age of 70 years. You can get this rider for a term of 5 to 52 years and pay for it through options like Regular Pay and Limited Pay. bear in mind that the frequency of payments you choose should be the same as your selection made for the base plan. The unique feature of this rider is that there is no limit on the maximum premium to be waived off. This Rider gets activated upon first diagnosis of critical illness or due to accidental total and permanent disability during the term. Claim will be triggered only once.
This rider can be added only if Family Income Benefit is not selected.
Edelweiss Tokio Life - Payor Waiver Benefit Rider - UIN 147B014V05
Unforeseen circumstances like diagnosis of a critical illness or disability can have long-reaching effects. It can change your lifestyle and can have an adverse effect on your everyday processes. This Rider provides assistance in such a case - diagnosis of one of listed critical illnesses, a total and permanent disability caused by an accident or death. 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.
This optional benefit has an entry age of 18 to 65 years and its maturity age is 70 years. Your payment frequency and term for this rider should coincide with the selection made for the base plan. The minimum premium amount you will have to pay is Rs. 3.40, while the maximum premium will be restricted to 30% of the base product premium. The minimum premium amount that will be waived off through this rider is Rs. 1000, whereas there is no limit for the maximum premium amount.
This Rider covers the following critical illnesses - Cancer of Specified Severity, Open Chest CABG, Myocardial Infarction (First Heart Attack of specific severity), Open Heart, Replacement OR Repair of Heart Valves, Kidney Failure Requiring Regular Dialysis, Third Degree Burns, Major Organ / Bone Marrow Transplant, Permanent Paralysis of Limbs, Stroke Resulting in Permanent Symptoms, Surgery of Aorta, Coma of Specified Severity and Blindness. This Rider offers a 15-day Free Look period and the Grace Period is the same as the base plan.
This rider can be added only if Family Income Benefit is not selected.
Get Guaranteed¹ Benefits in just 4 steps! in Dhan Labh
Get Guaranteed¹ Benefits in just 4 steps!
Start Planning
- Conduct Need Analysis
- Choose your premium amount
Make your choice
- Choose your premium paying term
- Choose your policy term
- Choose your premium paying frequency
Enhance your plan
- Choose from six riders
- Use them to customize your plan as per your needs
Sit Back and Relax
- Submit the requested documents
- Let us verify your details so you can start getting guaranteed¹ benefits!
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Savings Ke Liye Effective Solution!
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Need expert advice

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Reasons Why You’re Bound to Love Us Back
Reasons Why You’re Bound to Love Us Back

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.
Reasons Why You’re Bound to Love Us Back

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.
Here's Why Our Customers Adore Us
Here's Why Our Customers Adore Us
Look at what people had to say about our services
Asset Publisher

He was very much clear about the issue and the importance of it.. Thanks rohit
Anisha Shashidharan
(sr.associate)
Your customer support is doing excellent job.keep up the good work.
Nilesh Pawar
(manager)
It was very good experience. they understand my problem and solved it and given time to me, thank you.
Kumar Devam
(pvt teacher)
Thanks, all queries resolved in one call to satisfaction. I am rating the services as 10.
Kanika Chaudhary
(DESIGN ARCHITECT)
Very helpful during call thanks to Ms Ayesha A customer care executive
Sudeep priyo Bagh
(teacher)
The Customer Care Executive - Ms Afreen Sheikh was very prompt in resolving my query!!
Devanshu Gandhi
(Buisness owner)Dhan Labh Fire Away Queries
Fire Away Queries
Like teachers say, there are no silly questions
Why do I need a savings plan?
In today’s uncertain world, it is important to save for the rainy days. You need to arrange for a stable income in your later years so that the external uncertainties don’t affect your future plans. A savings insurance plan ensures that your future income is intact, regardless of the situation.
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Why should I opt for Edelweiss Tokio Life - Dhan Labh?
We understand that you need to build your wealth by inculcating a habit of saving regularly and plan well for the future. So, Edelweiss Tokio Life - Dhan Labh offers you a fully guaranteed maturity benefit and death benefit. It also has a limited pay option which allows you to pay a premium for a limited period and enjoy the benefits over an extended period of time.
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What goals can I achieve with this plan?
This plan helps you accumulate wealth to meet your long-term goals or to celebrate those special moments in life with style. With Edelweiss Tokio Life - Dhan Labh, you can finance those big dreams as well as manage key events in life such as your child’s marriage, retirement, family vacation, etc.
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What is a Limited pay plan?
A limited pay plan is a type of payment where you can pay your premiums for a limited (shorter) period and get benefits for a longer time. This helps you live a liability-free retirement.
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What is the minimum and maximum entry age?
The minimum entry age is 91 days and the maximum entry age is 45 years as on last birthday.
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What is the minimum and maximum maturity age?
The minimum maturity age is 18 years (as on last birthday) and the maximum maturity age is 75 years (as on last birthday).
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What are the policy term options?
The policy term options are 15, 20, 25 and 30 years.
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How long do I need to pay my premiums and at what frequency?
You can choose the premium paying terms between 7, 10, or 12 years. You can make these payments on annual, semi-annual, quarterly, or monthly basis.
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What is the minimum and maximum sum assured on death?
The minimum sum assured on death is Rs. 55,000. The maximum sum assured on death does not have any defined limit; it will be subject to Board approval.
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How to calculate sum assured on maturity?
The formula to calculate the sum assured on maturity is:
Annualized Premium x Premium Paying Term + Large Premium Benefit, if any.
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What are Assured Additions?
Assured Additions are additional benefits that you get. The amount depends on Annualized Premium, Policy Term, Premium Paying Term, Entry Age and the Gender of the Life Assured. The Assured Additions accrue every year, starting from the 13th policy year till death or maturity.
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How are Assured Additions calculated?
Assured Additions for each year = Annualized Premium x Assured Addition rate.
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What is a Rider?
A rider is an additional benefit that you can opt for, to enhance your plan.
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What are the riders available with this plan?
You can choose between Accidental Death Benefit Rider, Accidental Total and Permanent Disability Rider, Critical Illness Rider, Income Benefit Rider, Payor Waiver Benefit Rider and Waiver of Premium Rider.
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Does this plan have a Maturity Benefit?
Yes, this has a maturity benefit.
The maturity benefit is equal to Paid –up Factor x [Sum assured on Maturity + Total Assured Additions]
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Does this plan have a Free Look Period?
You have a period of 15 days from the date of the receipt of the policy document. Policies sold through Distance Marketing will have a free look period for 30 days.
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Are there any Exclusions to this plan?
In case of death due to suicide within 12 months from the Risk Commencement Date or from the date of Revival of the policy, your Nominee or Beneficiary shall be entitled to at least 80% of the total Premiums, provided the Policy is in force.
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Does this plan have a Grace Period?
Does this plan have a Grace Period?
The grace period offered is 15 days if you pay the premium on a monthly basis. In all other cases, it is 30 days.
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Dhan Labh any queries
We are always there for you !
For queries, write to onlinesales@edelweisstokio.in
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1- This is applicable only if all due premiums are paid and the policy is inforce.
2- Policy loan are subject to terms & conditions of the product. Refer product brochure for more details.
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.
*3- For more details please refer product brochure
Edelweiss Tokio Life – Dhan Labh is only the name of an Individual, Non-Linked, Non-Par, Savings, Life Insurance Product 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. Tax benefits are subject to changes in the tax laws. For more details on risk factors and terms and conditions, please read sales brochure carefully before concluding a sale.
IRDAI Reg. No.: 147. CIN:U66010MH2009PLC197336 UIN: 147N033V03
ARN: WP/3428/Oct/2023