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IN UNIT LINKED INSURANCE POLICIES, INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER

Frequently Asked Questions

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Investment FAQ

What is the premium payment frequency for Income Builder?

Annually, Semi-Annually, Quarterly, Monthly

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The minimum age at entry is 18 years and the maximum age at entry is 45 years for premium paying term less than 10 years and 50 years for premium paying term greater than or equal to 10 years.

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The minimum maturity age is 18 years and the maximum is 70 years.

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For premium paying term less than 10 years

  • Minimum: Rs.24,000
  • Maximum: No limit

 

For premium paying term greater than or equal 10 years

  • Minimum: Rs.12,000
  • Maximum: No limit

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In Regular Pay: Same as Policy term

In Limited Pay:

Base (Option 1):

  • Minimum: 5 years
  • Maximum: 24 years

 

Base (Option 2 – the whole life option)

  • Minimum: 5 years
  • Maximum: 99 years

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The minimum and maximum sum assured is 1.25 times the Top up premium.

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Base (Option 1):

  • Minimum: 5 years
  • Maximum: 25 years

 

Base (Option 2 – the whole life option)

  • Minimum: 40 years
  • Maximum: 100 years

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Base (Option 1):

  • Minimum: 18 years
  • Maximum: 70 years

 

Base (Option 2 – the whole life option)

  • Fixed: 100 years

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  • Minimum: 0 years
  • Maximum: 50 years (in case of PPT < 10 years) and 60 years (in case of PPT >/= 10 years)

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Minimum entry age: 0
Maximum entry age: 65

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Minimum premium:
Annual: Rs. 50,000
Semi Annual: Rs. 25,600
Quarterly: Rs. 13,000
Monthly: Rs. 4,400
Maximum premium:
No Limit, subject to board approved underwriting policy

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There are three policy terms: Till age 75, till age 85, till age 99

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There are four policy terms: 5, 8, 10 and 12

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Available income options are
Early Income option
Deferred Income option

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The minimum annualized premium is as shown in the table below.

                                                    PPT 

PT                                          5-9 years                                >=10 years
10-14 years                            48,000                                   36,000
15-19 years                            36,000                                   30,000
20 years                                 24,000                                    18,000

There is no limit for the maximum annualized premium.

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The minimum top up premium is 5000. The maximum total top up premium paid at any point shall not exceed the total of the base premiums paid at that point of time.

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The minimum and maximum sum assured is higher (10, Policy term/2) x Annualised premium.

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The minimum and maximum sum assured is 1.25 times the Top up premium.

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The minimum policy term is 10 years and the maximum is 20 years.

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Under limited premium paying term option, the minimum is 5 years and the maximum is policy term-1.

Under regular pay option, the premium paying term is same as policy term.

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Minimum - Rs. 5,000 
Maximum - Rs. 1,00,000

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minimum entry age with policy term 10 years: 8 years

minimum entry age with policy term 15 years: 3 years

maximum entry age with policy term 10 years and death benefit Option A: 40 years

maximum entry age with policy term 10 years and death benefit Option B: 70 years

maximum entry age with policy term 15 years and death benefit Option A: 35 years

maximum entry age with policy term 15 years and death benefit Option B: 65 years

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The minimum and maximum entry age  (last birthday) 

Minimum : 91 days

Maximum : 45 years

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The premium paying term 7, 10 and 12 years 

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The Premium Payment Frequency is Annual, semi-annual, quarterly, monthly 

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(as on last birthday)

Minimum : 91 days

Maximum : 55 years

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The premium paying frequencies are Annual, semi-annual, quarterly, monthly 

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Annual 

Half – Yearly 

Quarterly

Monthly

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Entry Age for Life Insured:

Minimum: 1 year

Maximum: 17 years


Entry Age for Policyholder:

Minimum: 18 years

Maximum: 55 years

Maturity Age for Life Insured:

Minimum: 18 years

Maximum: 37 years


Maturity Age for Policyholder:

Minimum: 28 years

Maximum: 70 years

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10 x Annualised Premium

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Entry Age (last birthday)

Minimum : 18 years

Maximum : 65 years

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Maximum maturity age is 80 years (last birthday)

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The policy term for this plan is.

10 to 40 years

For coverage upto age 80 years : 62 years 

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The Premium Paying Term:
a.) Single Pay/ Limited pay of 5,10,15,20 
b.) Regular pay

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The minimum and maximum Sum Assured as below:

Minimum : Rs 25,00,000 

Maximum : no limit

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The Premium Payment Frequency as below:
a.) Annual Mode
b.) Single Mode

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The minimum and maximum policy term 15, 20, 25 and 30 Years 

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Higher of:

• 10 times of annualized premium*  OR

• sum assured on maturity OR

• 105% of total premiums paid (excluding any underwriting extras, rider premiums, service tax and cess, if any) till date of death

• any absolute amount^ assured to be paid on death 

 

As per Service Tax law, service tax and cess, if any will be separately levied on the premium.

^ any absolute amount assured to be paid on death will be equal to

  • 10 times of Annual Premium$ for 7 pay
  • 11 times of Annual premium$ for 10 pay
  • 13 times of Annual premium$ for 12 pay 

$ annual premium is the premium payable in a year, including modal loadings but excluding the underwriting extra premiums, rider premiums and taxes, if any.  

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The minimum and maximum policy terms 10, 15, 20, 25 and 30 Years 

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The premium paying terms are 5, 7, 10 and 12 years 

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The sum assured on death is

Minimum: Rs 1,65,000

Maximum: no limit 

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Cumulative annualized premium =  annualized premium X premium paying term

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The policy term is 15 years 

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Limited Pay:
Minimum - 5 years
Maximum - Policy term minus 1

Regular Pay: 
Equal to Policy Term

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Minimum: Rs. 5,000

Maximum: At any point of time the total top-up premiums paid shall not exceed the total of the base premiums paid at that point of time

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                                                                           With Little Champ Benefit             Without Little Champ Benefit
                                                    PPTs                       Life Insured                          Policyholder             Life Insured
Minimum Entry Age 
                                                       All PPTs                  0 Years                                 18 Years                    0 Years

 

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75 years

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Life Cover:

Single Pay

Limited Pay: 5,10,15,20,25 years

Regular Pay

Life and Basic Health Cover & Life and Comprehensive Cover:

Regular Pay

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Life Cover: Minimum 10, Maximum 62 years

Life and Basic Health & Life and Comprehsenive Health: Minimum 10, Maximum 40 years

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Life Cover:: 80 years

Life and Basic Health & Life and Comprehensive Health: 75 years

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Minimum Sum Assured :  Base Sum Assured: Rs 25,00,000

Critical Illness Sum Assured: Rs 500,000

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Minimum Annual Premium : Rs. 3,000

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Single Pay : Single

Other Pay : Only annual premium payment mode is available under this product.

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Minimum - 18 years 
Maximum - 65 years

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5, 7, 10 and 12 years

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For premium paying term of 5, 7 or 10 years - 10 to 20 years
For premium paying term of 12 years - 12 to 20 years

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Minimum - 1 year 
Maximum - 50 years

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Minimum - Rs. 50,000 
Maximum - Rs. 10,00,000

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Retirement FAQ

What is the Sum Assured for Cash Flow Protection Plus?

minimum : 2 lakhs

maximum : no limit

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 100 years less age at entry of the life insured 

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 10, 15, 20 and 25 years 

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Annual, Semi-annual, Monthly 

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Entry age (last birthday)
Minimum : 18 years*

Maximum : 85 years 

 

 

 *Minimum entry age will be 0 years for annuity purchase from the proceeds of the death benefit of the pension policies of Edelweiss Tokio Life Insurane Co Ltd. 

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Single pay

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Entry age 

minimum : 91 days

maximum : 55 years

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(Last birthday) 100 years
 

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The Minimum and Maximum Entry age (last birthday)

Minimum : 18 Years

Maximum : 75 Years

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 The minimum and Maximum maturity age Entry age (Last birthday)

Minimum : 45 Years

Maximum : 85 Years

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The Minimum and Maximum policy term

Minimum : 10 years

Maximum : 67 Years

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The Premium paying term's are

Single Pay,Regular Pay
Limited Pay [5 Pay to (Policy Term-5)],

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Single Pay  Annual, Semi-annual, Quarterly, Monthly

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Single Pay                                                                                      45,000
                                Limited/Regular Pay
Annual                                                                                           15,000
Semi-Annual                                                                                   8,000
Quarterly                                                                                         4,000
Monthly                                                                                          1,500

 

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Group FAQs

What is the minimum and maximum entry age for Group Total Secure?

The minimum and maximum entry age is (last birthday)

 

Minimum
Life Cover:  For education loans:14 years 
Other than education loans: 18 years
Life cover with Terminal Illness and Additional Benefits: 18 years
 

 
Maximum
Life Cover: 70 years
Life Cover with Terminal Illness and Additional Benefits: 65 years

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The minimum and maximum sum assured is
Minimum: Rs. 5,000

Maximum:
Life Cover: As per Board approved underwriting policy of the Company 
Life Cover with Terminal Illness : Rs. 1 crore

Accidental Death Benefit & Total Permanent Disability Benefit: Rs. 1 crore 
Critical Illness Benefit: Rs. 50 lacs

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The minimum and maximum coverage is..
Minimum: 2 years
Maximum: 35 years

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(last birthday)
Minimum: 20 years

Maximum: Life Cover: 80 years
Life Cover with Terminal Illness and Additional benefits : 70 years

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The minimum and maximum premium is

Minimum: Rs. 400
Maximum: As per Board approved Underwriting policy of the company

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Single Pay | Limited Pay | Regular Pay

Regular Pay is available only for Coverage Type : Level Sum Assured 

The Coverage Term available for each premium paying option is detailed in the table below:

Premium Paying Term                       Coverage Term
Single Pay                                           2 years to 35 years
5 Pay                                                  10 years to 35 years
7 Pay                                                  12 years to 35 years
10 Pay                                                15 years to 35 years
Regular Pay                                        5 years to 35 years

 

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18 years (age last birthday)

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New member: 50 years (age nearest birthday)

Renewals: 54 years (age nearest birthday)

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55 years (age nearest birthday)

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The cover of the members will start from the date of debit of premium from the insured member’s account and will cease on the following 31st May. The cover can be renewed on 1st June every year by paying the full year’s premium of Rs. 330...

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Minimum Sum Assured : Rs 200,000 per member

Maximum Sum Assured : Rs 200,000 per member 

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The premium payable in the first year depends on the month in which the member is enrolled in the scheme for the first time and is provided in the table below:

Month of Entry          Minimum Premium Payable per member (Rs.)*
June, July, August                            330
September, October, November     258
December, January, February          172
March, April, May                             86

 * Exclusive of any applicable taxes.

The scheme is renewable by 1st of June every year and the renewal premium is Rs. 330 per member

Maximum Premium: Rs. 330 per member

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The maximum maturity age for the life cover81 years

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The minimum and maximum entry age of the Member
Minimum: 18 years and Maximum: 80 years

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The life cover offered under this product is Rs. 5000

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The minimum initial contribution is Rs. 10 Lakhs

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The minimum group size under this product is 10

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Entry age:

Minimum: 18 years

Maximum: 80 years 

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The maximum maturity age is 81 years.

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The contributions for Group Employee Benefit Plus are

Minimum : Rs.1,00,000/-

Maximum : No limit

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Entry Ages for Group Life Protection:Minimum : 16 years

Maximum : 80 years

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The sum assured for this product is Rs 1,000 per member

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For this product, the group size should be Minimum Group size : 10

Maximum : No limit

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Minimum premium : Rs 5,00,000

Initial premium : Rs 10,000

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The premium paying frequency is

Annually
Semi Annually
Quarterly
Monthly

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The minimum group size is

Minimum Group Size : 50 members

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Entry Age:

Minimum : 18 years

Maximum : 79 years

(Last birthday)

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The maximum maturity age for life cover is 80 years

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The sum assured is fixed at Rs 1,000 per member

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Minimum group size is 10

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Annual, Semi Annual, Quarterly and Monthly Mode

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Maximum maturity age is 81 years

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The policy term is only 1 year.(renewable every year)

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The minimum group size is 50 members

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Annual, Semi-annual, Quarterly and Monthly mode.

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Entry Age:

Minimum : 18 years

Maximum : 65 years

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The maximum maturity age is 70 years

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Minimum coverage term : 2 years

Maximum coverage term : 30 years

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The minimum sum assured is Rs 10,000 per member

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The minimum group size is 50.

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Sum Assured:

Minimum : Rs.1000/- per member

Maximum : No limit*

 

 

* Subject to medical and financial Underwriting

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This plan is a Single installment pay plan

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18 years (age last birthday)

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New member: 50 years (age nearest birthday)

Renewals: 54 years (age nearest birthday)

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Term FAQs

What is the minimum and maximum policy maturity age for Zindagi Plus?

Minimum Maturity Age:

 Life cover with level sum assured and  Regular Pay - 28 yrs.
 Life cover with level sum assured and 'Pay Till 60' Payment Option - 65 yrs.
 Life cover with Decreasing sum assured and  Regular Pay - 65 yrs.
 Life cover with Decreasing assured and 'Pay Till 60' Payment Option - 65 yrs.

Maximum Maturity Age :

80 yrs.

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Minimum: 18 years

Maximum: 65 years

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