Reasons why this plan will bring you guaranteed¹ happiness!
This plan has the advantage of letting you know exactly what amount of benefits you get upon investing.
Get Assured Additions starting from the 13th year of your policy and maximize your benefits!
This plan provides flexibility to pay premium for a limited period with protection and guaranteed¹ benefits for a longer period.
With this plan, you get rewarded with additional benefits when you opt for higher premiums.
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.
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.
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.
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.
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.
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)
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.
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.
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.
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.
In case of critical illness, accidental total and permanent disability or death, get all future premiums waived off through this optional benefit.
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.
We’ve got experience in helping people make their Zindagi unlimited
We’ve got expertise in helping you grow your wealth
We constantly innovate our offerings to get better results for you
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!!
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.
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.
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.
Yes, this plan covers death due to COVID-19.
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.
The minimum entry age is 91 days and the maximum entry age is 45 years as on last birthday.
The minimum maturity age is 18 years (as on last birthday) and the maximum maturity age is 75 years (as on last birthday).
The policy term options are 15, 20, 25 and 30 years.
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.
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.
The formula to calculate the sum assured on maturity is:
Annualized Premium x Premium Paying Term + Large Premium Benefit, if any.
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.
Assured Additions for each year = Annualized Premium x Assured Addition rate.
A rider is an additional benefit that you can opt for, to enhance your 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.
Yes, this has a maturity benefit.
The maturity benefit is equal to Paid –up Factor x [Sum assured on Maturity + Total Assured Additions]
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.
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.
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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Live Zindagi Unlimited
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: 147N033V02