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Our Products
- 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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Get Your Group Security against Death, Disability and Illness!
members. Edelweiss Tokio Life – Group Total Secure is designed to
provide a comprehensive cover to members to safeguard their families
against the burden of repaying any liabilities in case of an unfortunate
event.
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Take a step ahead in securing lives
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Total secure policy brouchure

A Multiple of single/annualized premium as life cover at all time during policy tenure
Reasons Why This Plan Gives Your Group The Security It Needs
Reasons Why This Plan Gives Your Group The Security It Needs
Your Choice Of Life Cover
This plan gives you 2 Life Cover options to choose from - Life Cover Option and Life Cover with Terminal Illness.
With You Through Moratorium
With this plan, cover is available during the moratorium period of minimum 6 months to maximum 7 years.
Payment Options
Choose between Single Pay, Regular Pay and Limited Pay to make your premium payments.
Additional Benefits*⁶
This plan offers Additional Benefits in case of critical illness, disability and accidental death.
Benefits of Group Total Secure
Benefits of Group Total Secure
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Life Cover Variants
We’ve got all the choices! You can choose between 2 life cover variants - Life Cover and Life Cover with Terminal Illness. The former is a basic variant that covers the insured person against unfortunate events. The latter grants Sum Assured upon diagnosis of Terminal Illness.
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Choice of Coverage Type
Your plan, your decision! With this plan, you can decide to receive your returns in the form of Level Sum Assured or Decreasing Sum Assured. With the former, the coverage would remain the same throughout and with the latter the coverage decreases during the term as per benefits schedule.
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Single and Joint Life
Two is better than One! With this plan you can choose to avail the benefits for yourself through the Single Life Option or include your loved one into your plan through the Joint Life Option.
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Moratorium Period
In-built contingency plan! When you opt for the Decreasing Sum Assured Coverage Option, a moratorium period of minimum 6 months and maximum 7 years can be made available. During this period your cover stays intact!
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Premium Paying Options
Pay according to your convenience! With the Single Pay Option, you can complete all your premium payments at once and with the Regular Pay Option, you can carry out your payments at periodic intervals (Annually, Half Yearly, Quarterly, Monthly). With the Limited Pay Option, you can space out your premium payments over a period of 5, 7 or 10 years and enjoy your plan benefits thereafter.
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Additional Benefits*⁶
Enhance your plan! With this plan, you can opt for additional benefits like Total and Permanent Disability Benefit, Accidental Death Benefit and Critical Illness to make your plan suit your requirements. You can choose either one of these to enhance your plan. Note that Critical illness and Total and permanent disability benefit cannot be opted together.






Life Cover Variants
We’ve got all the choices! You can choose between 2 life cover variants - Life Cover and Life Cover with Terminal Illness. The former is a basic variant that covers the insured person against unfortunate events. The latter grants Sum Assured upon diagnosis of Terminal Illness.

Choice of Coverage Type
Your plan, your decision! With this plan, you can decide to receive your returns in the form of Level Sum Assured or Decreasing Sum Assured. With the former, the coverage would remain the same throughout and with the latter the coverage decreases during the term as per benefits schedule.

Single and Joint Life
Two is better than One! With this plan you can choose to avail the benefits for yourself through the Single Life Option or include your loved one into your plan through the Joint Life Option.

Moratorium Period
In-built contingency plan! When you opt for the Decreasing Sum Assured Coverage Option, a moratorium period of minimum 6 months and maximum 7 years can be made available. During this period your cover stays intact!

Premium Paying Options
Pay according to your convenience! With the Single Pay Option, you can complete all your premium payments at once and with the Regular Pay Option, you can carry out your payments at periodic intervals (Annually, Half Yearly, Quarterly, Monthly). With the Limited Pay Option, you can space out your premium payments over a period of 5, 7 or 10 years and enjoy your plan benefits thereafter.

Additional Benefits*⁶
Enhance your plan! With this plan, you can opt for additional benefits like Total and Permanent Disability Benefit, Accidental Death Benefit and Critical Illness to make your plan suit your requirements. You can choose either one of these to enhance your plan. Note that Critical illness and Total and permanent disability benefit cannot be opted together.

Additional Benefits - Total Secure
Additional Benefits*⁶
Accidental Death Benefit
In case of an accident resulting in an unfortunate demise, this optional benefit will grant an additional sum assured to your nominee.
Total and Permanent Disability Benefit
With this benefit, in case of a total and permanent disability, this optional benefit will give an additional sum assured to your nominee.
Critical Illness Benefit
In case you are diagnosed with any one of the 16 critical illnesses listed in the brochure, this optional benefit will grant you an additional sum assured.
How It Works - Total Secure
How It Works!
Start Planning
- Conduct need analysis
- Choose the sum assured
Make Your Selections
- Select your group size
- Choose type of coverage
Seal the Deal
- Choose your policy term
- Opt for additional benefits
- Make Your premium payment
Sit Back and Relax
- Submit the requested documents
- Let us verify your details and let your journey with us begin.
Need expert advice?

Need expert advice?
Reasons Why You’re Bound To Love Us Back
Reasons Why You’re Bound to Love Us Back

We’ve got experience in helping people make their Zindagi unlimited

We have the expertise in making you grow your wealth.

We constantly innovate our offerings to get better results for you
Reasons Why You’re Bound to Love Us Back

We’ve got experience in helping people make their Zindagi unlimited

We have the expertise in making you grow your wealth.

We constantly innovate our offerings to get better results for you
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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)FAQs - Total Secure
Fire Away Queries
Like teachers say, there are no silly questions
Why do I need a group life credit insurance plan?
As a financial institution, the loans that you lend help people fulfil their dreams. However, if something would happen to them, their loan repayment may get stuck and you would be left with liabilities. So, a group credit insurance plan is ideal to protect the lender’s interests. Though you take necessary measures for recovery, you also need to insure your lent assets against non-payment by the borrower, on his/her death.
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Why should I opt for Edelweiss Tokio Life Group Total Secure?
Edelweiss Tokio Life – Group Total Secure is designed to provide a comprehensive cover against death, disability, illness to the members of the Master Policyholder.
It provides multiple plan options, coverage types, additional benefits & premium paying options to select from.
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What is the minimum group size required to take this plan?
The minimum group size to opt for this plan is of 50 members.
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What is the minimum and maximum entry age?
The minimum entry age as per last birthday is 14 years and the maximum entry age as per last birthday is 70 years.
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What is the minimum and maximum maturity age?
The minimum maturity age as per last birthday is 20 years and the maximum maturity age as per last birthday is 80 years.
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What is the minimum and maximum coverage term?
The minimum and maximum coverage terms are 2 and 35 years respectively.
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What is the minimum and maximum sum assured?
The minimum and maximum sum assured are Rs. 5,000 and Rs. 1 crore respectively.
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What are the premium paying options?
The premium paying options are single pay, limited pay and regular pay. You can pay the premiums annually, semi-annually, quarterly and monthly.
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What does Terminal Illness mean?
Terminal Illness means an advanced or rapidly progressing incurable disease, wherein according to the opinion of two appropriate independent Medical Practitioners, the insured member’s life expectancy is no greater than six months from the date of notification of claim. S/he must not be receiving any form of treatment other than palliative medication for symptomatic relief.
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What does Accidental Death mean?
Accidental Death refers to death within 180 days of any bodily Injury caused due to an Accident and independent of any other causes.
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What does Total and Permanent Disability Benefit mean?
Total and Permanent Disability Benefit means disablement for an uninterrupted period of 180 days, caused due to Accident or sickness.
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What are the critical illnesses covered under the Critical Illness Benefit option?
There are 16 critical illnesses covered under the Critical Illness Benefit option:
1. Open Chest CABG
2. Myocardial Infarction (First Heart Attack - of Specified Severity)
3. Open Heart Replacement OR Repair of Heart Valves
4. Kidney Failure Requiring Regular Dialysis
5. Major Organ / Bone Marrow Transplant
6. Stroke Resulting in Permanent Symptoms
7. Aorta Surgery
8. Permanent Paralysis of Limbs
9. Coma of Specified Severity
10. Third Degree Burns
11. Blindness
12. Aplastic Anaemia
13. Cancer of Specified Severity
14. Benign Brain Tumor
15. Motor Neurone Disease with Permanent Symptoms
16. Multiple Sclerosis with Persisting Symptoms
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Does this plan have a Surrender Value?
Yes, this plan has a surrender value for Single pay and Limited pay options.
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Does this plan have a Maturity Benefit?
No, Maturity Benefit is not payable in this plan.
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Does this plan have a Free Look Period?
Yes, a Free Look period of 15 days is available.
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Are there any Exclusions to this plan?
In case of death due to suicide within 12 months from the date of commencement of risk or from the date of revival of coverage, the beneficiary shall be entitled to at least 80% of the total premiums paid, provided the coverage is in force.
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Does this plan have a Grace Period?
Grace period of 15 days for monthly premium paying frequency and 30 days for all other premium paying frequencies is applicable.
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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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0- Provided the premium paying term is more than or equal to 10 years.
1- This is applicable only if all due premiums are paid and the policy is inforce.
*6- Additional benefits are available at extra cost.
Edelweiss Tokio Life – Group Total Secure is only the name of a Group, Non-Linked, Non-Par, Pure Risk Premium, Life, Credit Insurance Product and does not in any way indicate the quality of the plan, 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: 147N059V02.
ARN: WP/1420/Feb/2021