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 Edelweiss Tokio Life –Wealth Rise+ – A doubleadvantage ULIP
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 Our Products
 Capital Secure+ – A combination of marketlinked and guaranteed returns
 Edelweiss Tokio Life –Wealth Rise+ – A doubleadvantage 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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Frequently Asked Questions
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Investment FAQ
What is the premium payment frequency for Income Builder?
Annually, SemiAnnually, Quarterly, Monthly
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What is the minimum and maximum entry age for this plan for Wealth Gain+?
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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What is the minimum and maximum maturity age for Wealth Gain+?
The minimum maturity age is 18 years and the maximum is 70 years.
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What is the minimum and maximum Annualized Premium of the Base variant in Wealth Secure+?
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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What is the minimum and maximum premium paying term of the Base variant for Wealth Secure+?
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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What is the minimum and maximum Top up sum assured under this plan for Wealth Secure+?
The minimum and maximum sum assured is 1.25 times the Top up premium.
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What is the minimum and maximum policy term of the Base variant for Wealth Secure+?
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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What is the minimum and maximum maturity age in the Base variant for Wealth Secure+?
Base (Option 1):
 Minimum: 18 years
 Maximum: 70 years
Base (Option 2 – the whole life option)
 Fixed: 100 years
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What is the minimum and maximum entry age for the Base variant for Wealth Secure+?
 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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What is minimum and maximum entry age for Active Income ?
Minimum entry age: 0
Maximum entry age: 65
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What is the minimum and maximum premium for Active Income?
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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What are the different Policy Terms for Active Income?
There are three policy terms: Till age 75, till age 85, till age 99
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What are the different Premium Paying Terms for Active Income?
There are four policy terms: 5, 8, 10 and 12
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Which kind of income options are available for Active Income?
Available income options are
Early Income option
Deferred Income option
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What is the minimum and maximum premium annualized premium for Wealth Gain+?
The minimum annualized premium is as shown in the table below.
PPT  
PT 59 years >=10 years 

1014 years 48,000 36,000  
1519 years 36,000 30,000  
20 years 24,000 18,000 
There is no limit for the maximum annualized premium.
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What is the minimum and maximum Top up premium under this plan for Wealth Gain+?
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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What is the minimum and maximum base sum assured under this plan Wealth Gain+?
The minimum and maximum sum assured is higher (10, Policy term/2) x Annualised premium.
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What is the minimum and maximum Top up sum assured under this plan Wealth Gain+?
The minimum and maximum sum assured is 1.25 times the Top up premium.
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What is the minimum and maximum policy term for Wealth Gain+?
The minimum policy term is 10 years and the maximum is 20 years.
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What is the minimum and maximum premium paying term for Wealth Gain+?
Under limited premium paying term option, the minimum is 5 years and the maximum is policy term1.
Under regular pay option, the premium paying term is same as policy term.
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What is the Annual premium payment frequency for POS Saral Nivesh?
Minimum  Rs. 5,000
Maximum  Rs. 1,00,000
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What is the minimum and maximum entry age for Single Pay Endowment Assurance Plan?
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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What is the minimum and maximum entry age for Dhan Labh?
The minimum and maximum entry age (last birthday)
Minimum : 91 days
Maximum : 45 years
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What is the Premium Paying Term for Dhan Labh?
The premium paying term 7, 10 and 12 years
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What is the Premium Payment Frequency for Dhan Labh?
The Premium Payment Frequency is Annual, semiannual, quarterly, monthly
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What is the minimum and maximum entry age for GCAP?
(as on last birthday)
Minimum : 91 days
Maximum : 55 years
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What is the premium paying frequency for GCAP?
The premium paying frequencies are Annual, semiannual, quarterly, monthly
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What are the available premium paying frequencies for Wealth Plus?
Annual
Half – Yearly
Quarterly
Monthly
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What's the minimum and maximum entry age for applying for the Rising Star Benefit for Wealth Plus?
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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What is the sum assured in the event of an untimely demise for Wealth Plus?
10 x Annualised Premium
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What is the minimum and maximum entry age for Smart Lifestyle?
Entry Age (last birthday)
Minimum : 18 years
Maximum : 65 years
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What is the maximum maturity age for Smart Lifestyle?
Maximum maturity age is 80 years (last birthday)
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What is the duration of Policy Term for Smart Lifestyle?
The policy term for this plan is.
10 to 40 years
For coverage upto age 80 years : 62 years
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What is the Premium Paying Term for Smart Lifestyle?
The Premium Paying Term:
a.) Single Pay/ Limited pay of 5,10,15,20
b.) Regular pay
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What is the minimum and maximum Sum Assured for Smart Lifestyle?
The minimum and maximum Sum Assured as below:
Minimum : Rs 25,00,000
Maximum : no limit
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What is the Premium Payment Frequency for Smart Lifestyle?
The Premium Payment Frequency as below:
a.) Annual Mode
b.) Single Mode
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Policy term What is the minimum and maximum policy term for Dhan Labh?
The minimum and maximum policy term 15, 20, 25 and 30 Years
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What is the sum assured for Dhan Labh?
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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What is the minimum and maximum policy term for GCAP?
The minimum and maximum policy terms 10, 15, 20, 25 and 30 Years
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What is the premium paying term for GCAP?
The premium paying terms are 5, 7, 10 and 12 years
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What is the sum assured on death for GCAP?
The sum assured on death is
Minimum: Rs 1,65,000
Maximum: no limit
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What is the sum assured on maturity for GCAP?
Cumulative annualized premium = annualized premium X premium paying term
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What is the policy term for Guaranteed Income Plan?
The policy term is 15 years
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What's the minimum and maximum premium paying term for Wealth Plus?
Limited Pay:
Minimum  5 years
Maximum  Policy term minus 1
Regular Pay:
Equal to Policy Term
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What's the minimum and maximum topup premium for Wealth Plus?
Minimum: Rs. 5,000
Maximum: At any point of time the total topup premiums paid shall not exceed the total of the base premiums paid at that point of time
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What is the minimum and maximum entry age for Wealth Ultima?
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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Maximum maturity age (last birthday) for Dhan Labh?
75 years
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What is the premium paying term for Wealth Ultima?
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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What is the policy Term for Wealth Ultima?
Life Cover: Minimum 10, Maximum 62 years
Life and Basic Health & Life and Comprehsenive Health: Minimum 10, Maximum 40 years
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What is the maximum maturity age for Wealth Ultima?
Life Cover:: 80 years
Life and Basic Health & Life and Comprehensive Health: 75 years
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What is the Minimum Sum Assured for Wealth Ultima?
Minimum Sum Assured : Base Sum Assured: Rs 25,00,000
Critical Illness Sum Assured: Rs 500,000
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What is the Minimum annual premium for Wealth Ultima?
Minimum Annual Premium : Rs. 3,000
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What is the premium payment frequency for Wealth Ultima?
Single Pay : Single
Other Pay : Only annual premium payment mode is available under this product.
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What is the Minimum and Maximum maturity age (as on last birthday) for POS Saral Nivesh?
Minimum  18 years
Maximum  65 years
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What are the available premium paying term options for POS Saral Nivesh?
5, 7, 10 and 12 years
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What are the available policy term options for POS Saral Nivesh?
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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What's the minimum and maximum entry age for POS Saral Nivesh?
Minimum  1 year
Maximum  50 years
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What is the Minimum and Maximum Sum assured on maturity for POS Saral Nivesh?
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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What is the Policy Term for Cash Flow Protection Plus?
100 years less age at entry of the life insured
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What is the Premium Paying erm for Cash Flow Protection Plus?
10, 15, 20 and 25 years
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What is the Premium Payment frequency for Cash Flow Protection Plus?
Annual, Semiannual, Monthly
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What is the minimum and maximum entry age for Immediate Annuity Plan?
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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What is premium paying term for Immediate Annuity Plan?
Single pay
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What is the Minimum and Maximum entry age for Cash Flow Protection Plus?
Entry age
minimum : 91 days
maximum : 55 years
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What is the Maximum and Maturity Age for Cash Flow Protection Plus?
(Last birthday) 100 years
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What is the Minimum and Maximum Entry age for Easy Pension?
The Minimum and Maximum Entry age (last birthday)
Minimum : 18 Years
Maximum : 75 Years
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What is the Minimum and Maximum maturity age for Easy Pension?
The minimum and Maximum maturity age Entry age (Last birthday)
Minimum : 45 Years
Maximum : 85 Years
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What is the Minimum and Maximum policy term for Easy Pension?
The Minimum and Maximum policy term
Minimum : 10 years
Maximum : 67 Years
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What is premium paying term for Easy Pension?
The Premium paying term's are
Single Pay,Regular Pay
Limited Pay [5 Pay to (Policy Term5)],
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What is premium payment frequency for Easy Pension?
Single Pay Annual, Semiannual, Quarterly, Monthly
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What is minimum premium for Easy Pension?


Limited/Regular Pay  







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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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What is the minimum and maximum sum assured for Group Total Secure?
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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What is minimum and maximum coverage term for Group Total Secure?
The minimum and maximum coverage is..
Minimum: 2 years
Maximum: 35 years
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What is the minimum and maximum maturity age for Group Total Secure?
(last birthday)
Minimum: 20 years
Maximum: Life Cover: 80 years
Life Cover with Terminal Illness and Additional benefits : 70 years
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What is the minimum and maximum premium for this product for Group Total Secure?
The minimum and maximum premium is
Minimum: Rs. 400
Maximum: As per Board approved Underwriting policy of the company
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What are the premium paying options for this product for Group Total Secure?
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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What is the minimum entry age for plan Pradhan Mantri Jeevan Jyoti Bima Yojana?
18 years (age last birthday)
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What is the maximum entry age for Pradhan Mantri Jeevan Jyoti Bima Yojana?
New member: 50 years (age nearest birthday)
Renewals: 54 years (age nearest birthday)
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What is the maximum Maturity Age for Pradhan Mantri Jeevan Jyoti Bima Yojana?
55 years (age nearest birthday)
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When is the commencement of coverage for a member for Pradhan Mantri Jeevan Jyoti Bima Yojana?
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 31^{st} May. The cover can be renewed on 1^{st} June every year by paying the full year’s premium of Rs. 330...
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The minimum and maximum sum assured of this plan for Pradhan Mantri Jeevan Jyoti Bima Yojana?
Minimum Sum Assured : Rs 200,000 per member
Maximum Sum Assured : Rs 200,000 per member
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What is the minimum and maximum premium for this product for Pradhan Mantri Jeevan Jyoti Bima Yojana?
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 1^{st} of June every year and the renewal premium is Rs. 330 per member
Maximum Premium: Rs. 330 per member
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What is the maximum maturity age for the life cover for Edelweiss Tokio Life Group Employee Benefit Plus?
The maximum maturity age for the life cover81 years
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What is the minimum and maximum entry age of the Member for the life cover for Edelweiss Tokio Life Group Employee Benefit Plus?
The minimum and maximum entry age of the Member
Minimum: 18 years and Maximum: 80 years
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What is the life cover offered under this product for the life cover for Edelweiss Tokio Life Group Employee Benefit Plus?
The life cover offered under this product is Rs. 5000
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What is the minimum initial contribution for the life cover for Edelweiss Tokio Life Group Employee Benefit Plus?
The minimum initial contribution is Rs. 10 Lakhs
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What is the minimum group size under this product for the life cover for Edelweiss Tokio Life Group Employee Benefit Plus?
The minimum group size under this product is 10
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What is the minimum and maximum entry age for Group Employee Benefit Plan?
Entry age:
Minimum: 18 years
Maximum: 80 years
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What is the maximum maturity age for Group Employee Benefit Plan?
The maximum maturity age is 81 years.
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The minimum and maximum initial contribution for the plan is for Group Employee Benefit Plan?
The contributions for Group Employee Benefit Plus are
Minimum : Rs.1,00,000/
Maximum : No limit
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What is the minimum and maximum entry age for Group Life Protection Plan?
Entry Ages for Group Life Protection:Minimum : 16 years
Maximum : 80 years
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What is the minimum and maximum sum assured for Group Employee Benefit Plan?
The sum assured for this product is Rs 1,000 per member
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What is the minimum and maximum group size to buy this product for Group Employee Benefit Plan?
For this product, the group size should be Minimum Group size : 10
Maximum : No limit
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What is the minimum and maximum premium for Group Wealth Accumulation?
Minimum premium : Rs 5,00,000
Initial premium : Rs 10,000
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What is the premium payment frequency for Group Total Secure?
The premium paying frequency is
Annually
Semi Annually
Quarterly
Monthly
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What is the minimum group size for Group Total Secure?
The minimum group size is
Minimum Group Size : 50 members
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What is the minimum and maximum entry age for this plan for Group Wealth Accumulation?
Entry Age:
Minimum : 18 years
Maximum : 79 years
(Last birthday)
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What is the maximum maturity age for Group Wealth Accumulation?
The maximum maturity age for life cover is 80 years
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What is the sum assured allowed in this plan for Group Wealth Accumulation?
The sum assured is fixed at Rs 1,000 per member
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What is the minimum group size for this plan for Group Wealth Accumulation?
Minimum group size is 10
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What are the payment frequency options for this plan for Group Wealth Accumulation?
Annual, Semi Annual, Quarterly and Monthly Mode
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What is the maximum maturity age for Group Life Protection?
Maximum maturity age is 81 years
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What is the policy term for this plan for Group Life Protection?
The policy term is only 1 year.(renewable every year)
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What is the minimum group size for this plan for Group Life Protection?
The minimum group size is 50 members
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What are the payment frequency options for this plan for Group Life Protection?
Annual, Semiannual, Quarterly and Monthly mode.
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What is the minimum and maximum entry age for this plan for Group Credit Protection?
Entry Age:
Minimum : 18 years
Maximum : 65 years
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What is the maturity age for the plan for Group Credit Protection?
The maximum maturity age is 70 years
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What is the policy term for this plan for Group Credit Protection?
Minimum coverage term : 2 years
Maximum coverage term : 30 years
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What is the minimum sum assured in this plan for Group Credit Protection?
The minimum sum assured is Rs 10,000 per member
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What is the minimum group size for Group Credit Protection?
The minimum group size is 50.
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What is the minimum and maximum sum assured for Group Life Protection?
Sum Assured:
Minimum : Rs.1000/ per member
Maximum : No limit*
* Subject to medical and financial Underwriting
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What is the premium paying term for Group Credit Protection?
This plan is a Single installment pay plan
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What is the minimum entry age for this plan for Pradhan Mantri Jeevan Jyoti Bima Yojana?
18 years (age last birthday)
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What is the maximum entry age for this plan for Pradhan Mantri Jeevan Jyoti Bima Yojana?
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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What is the minimum and maximum age of the Life assured for My Term + ?
Minimum: 18 years
Maximum: 65 years
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