- Guaranteed loyalty addition to fund value starting from the first year.

- Choice of multiple funds to support varying risk appetites.

- Protects against the unforeseen circumstances of benefit payments under employee benefit scheme, such as Gratuity and Leave Encashment benefit payouts.

- Facilities such as switching, premium redirection at no extra cost.

- Premium paid by employer is deductible as business expense as per Income Tax Act 1961.

Death:

- A fixed Sum Assured of Rs. 1000/- is paid on the unfortunate demise of the Life Assured.

- Benefits, as per scheme rules, are payable. However the company does not hold any obligation of payment to the members covered under the defined benefit schemes.

Guaranteed Loyalty Additions:

At the end of every policy year, loyalty units will accrue on the fund under management under each scheme. Loyalty units will be allocated to each scheme on the next working day of each policy anniversary date.