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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

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)

Guaranteed Return Benefits with Dhan Labh
Limited Pay option with Dhan Labh
Extra Benefits on Higher Premiums with Dhan Labh
Loan Facility Option with Dhan Labh
Flexible Coverage - Dhan Labh
Dhan Labh Tax Benefits

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.

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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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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Does this plan cover COVID-19 claims?

Yes, this plan covers death due to COVID-19.

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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?

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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Related Articles & Resources


Additional Resources

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

ARN: WP/1424/Feb/2021