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A Regular Guaranteed¹ Income Plan that’s as Flexible as Your Life Needs!

Not all good things take time, especially when you have the flexibility to
choose your regular stream of income start point. With Edelweiss Tokio Life
Guaranteed Income STAR you can choose from two policy options that cater
to your growing life needs, no matter what life stage you are in!

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Take a step ahead to secure your goals

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policy brouchure guaranteed income star

A Multiple of single/annualized premium as life cover at all time during policy tenure
Product Brochure
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Sample Contract
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Rate Table
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Reasons Why You’d Say Wah Kya Plan Hai! guaranteed income star

Reasons Why You’d Say Wah Kya Plan Hai!

Benefits of Guaranteed Income STAR

Benefits of Guaranteed Income STAR

GIS-Lumpsum-Pay-out-Option (1)

Unleash your financial potential! Start your regular stream of income to meet your financial goals with two plan options. With Flexible Income Option, choose your ‘Income Start Point’ as early as 2nd policy year6 , where income will be paid in arrears basis your preferred pay-out frequency till maturity date. With Large Income Option, start your income post the premium paying term till maturity. You can choose Level or Increasing Income, i.e., same income throughout or income increasing progressively.


Delight yourself with lumpsum income! With this plan, avail additional lumpsum benefit at the time of maturity. This benefit is available in both Flexible and Large Income options. So, choose to receive lumpsum + regular pay-out with our all-new guaranteedincome plan.

GIS-Lumpsum-Pay-out-Option (1)

Benefits you can’t ignore! This optional benefit ensures that in case of an unfortunate death or diagnosis of covered Critical Illness, you and/or your family continues to receive the benefit. There are two options under this benefit - Family Income Benefit on Death & Family Income Benefit on Critical Illness and Death.


A little support goes a long way! We want you to live your zindagi unlimited, even if you need a little support to do it. That is why Edelweiss Tokio Life Guaranteed Income STAR offers you the choice to avail a loan² for urgent need of cash flow.


Save for your golden days ahead! Reap the fruits of regular guaranteed income without stressing about premiums. With Edelweiss Tokio Life Guaranteed Income STAR, complete your premium payments within a limited premium paying term of 5, 8, 10 and 12 years. 



We dislike deductions as much as you do! The premiums you pay towards this plan are eligible for deductions up to ₹46,800* under section 80(C) and the income you receive has tax benefits³ under section 10(10D)


Choice of 6 Riders⁹ guaranteed income star

Choice of 6 Riders⁹

Get Guaranteed¹ Income in just 4 steps! guaranteed income plan

Get Guaranteed¹ Income in just 4 steps!


Pick the Basics

  • Select your plan option
  • Choose the amount you want to start saving
  • Choose your policy term, premium paying term & frequency (Note-Sum Assured on Death and Sum Assured on Maturity will be determined based on the above inputs plus your age & gender)

Customize Your Plan

  • Opt for Lumpsum benefit
  • Opt for Family Income Benefit on Death or Family Income Benefit on Critical illness & Death
  • This can be opted for at policy inception only

Enhance Your Plan

  • Choose from six riders
  • Get enhanced protection with the rider(s) selected

Sit Back and Relax

  • Submit the requested documents
  • Let us verify your details so you can start getting guaranteed income!

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Capital Guarantee¹: Assurance Amidst Market Fluctuations

Market-linked returns, with an additional benefit of guaranteed¹ return of your total invested premium at maturity

  • Benefits of market-linked returns and guaranteed¹ lumpsum in one plan

  • Enhanced cover option with sum assured & booster additions

  • Little Star Benefit option to protect your child’s future

  • Tax benefits³ u/s 80c & 10(10d) to shield your savings

Har Sapna Karo Poora with Guaranteed¹ Savings!

Guaranteed¹ returns, enhanced cover option, tax benefits³, and more… all with premiums just Rs. 3,000/month^².

  • Choice to receive guaranteed¹ returns as lumpsum or in 5 equal annual instalments

  • Enhanced Cover option to secure your family with 20x the premium^⁴ paid

  • Guaranteed¹ savings & life cover for a policy term as high as 40 years

  • Family Income Benefit option to ensure your family doesn’t have to compromise on dreams

Future Guaranteed¹ Income, now possible!

Makes sure nothing gets in the way of you and your dreams.

  • Guaranteed¹ Income + Protection + Tax Benefits³ in one plan

  • Pick from 4 plan options basis life goals – Lumpsum, Short Term Income, Long Term Income & Retirement Income

  • Family Income Benefit option ensures your family doesn’t have to compromise dreams

  • 6 Riders available to enhance your plan⁹

Need expert advice?


Need expert advice?

Reasons Why You’re Bound To Love Us Back Premier Guaranteed Income Customize

Reasons Why You’re Bound To Love Us Back

Here's Why Our Customers Adore Us

Here's Why Our Customers Adore Us

Look at what people had to say about our services
Our customers say
based on 600 reviews

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Fire Away Queries guaranteed income plan

Fire Away Queries

Like teachers say, there are no silly questions

Why should I invest in a Guaranteed Income Plan?

The stock market can often be volatile, so it’s always safe to have a backup plan. A guaranteed return plan offers a pandemic-proof and recession-proof income, that  remains unaffected by market conditions. This plan caters to your financial needs for organized wealth accumulation, along with providing protection for your family and giving tax benefits. With these benefits, you can ensure your achievement of future goals, whether it be a relaxed retirement, child’s education, luxury car, or even a dream vacation!

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Edelweiss Tokio Life – Guaranteed Income STAR is a savings plan designed to provide guaranteed income, protection to your family from any financial loss in case of an untimely death or diagnosis of a covered Critical Illness, and also offers tax savings up to Rs. 46,800 with premiums paid u/s 80C. It has two different plan options to help you customize the plan as per your requirements

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You may want an early retirement that can be enjoyed in style with a regular guaranteed income, or it could be an international education course for your child. It would be ideal to invest in a plan that helps you accumulate wealth and generate income via guaranteed returns to achieve these goals, even in your absence. Other goals may include finishing off your loans, buying your dream car, house, or planning a foreign trip with your family.

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The minimum maturity age is 18 and the maximum maturity age is 100, both as per the last birthdays.

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Yes, you can choose to receive your regular guaranteed income with or without the Lumpsum Income option on the maturity date.

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Yes, all the benefits in this plan are guaranteed.

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There is a Large Premium Discount available, which means you can enhance your guaranteed income amount by aiming for high annualized premium bands, i.e., 1 lac, 2 lacs, 5 lacs or above.

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Under the large income option, you can choose to receive your guaranteed income via Level Income or Increasing Income. The Level Income option refers to receiving the same amount each policy year. The Increasing Income option refers to the income amount increasing each policy year by a predetermined multiplier factor.

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Life Cover is available throughout the policy term, provided all premiums are paid and the policy is in-force. 

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This plan offers 2 plan options to choose from – Flexible Income & Large Income. The Flexible Income option offers a regular stream of guaranteed income, called the

‘Income Benefit Pay-out’ starting from the chosen policy year, starting from as early as the 2nd policy year. This is called the ‘Income Start Point’. You will receive your guaranteed income from this policy year till the end of policy term.

The Large Income option offers the choice of receiving your guaranteed income on predetermined policy years after the completion of your premium paying term. You can choose to receive this income via Level Income or Increasing Income option.

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With all plan options, there is an additional optional benefit called the Family Income Benefit. This benefit ensures that in case of an unfortunate event of death or diagnosis of a covered Critical Illness of the Life Insured, you and your loved ones don’t have to compromise on your dreams as you/they will continue to receive benefit. There are two options available under the Family Income Benefits - Family Income Benefit on Death or Family Income Benefit on Critical Illness and Death.

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For all plan options, the Premium Paying Term (PPT) options are 5, 8, 10 & 12 years.

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A rider is an additional and optional benefit that you can choose, to enhance your plan.

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Following are the riders available with this plan: 

  • Edelweiss Tokio Life - Accidental Death Benefit Rider
  • Edelweiss Tokio Life - Accidental Total and Permanent Disability Rider
  • Edelweiss Tokio Life - Critical Illness Rider
  • Edelweiss Tokio Life - Waiver of Premium Rider
  • Edelweiss Tokio Life - Payor Waiver Benefit Rider
  • Edelweiss Tokio Life - Income Benefit Rider 

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Yes, you can get a policy loan once policy acquires surrender value. 

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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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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 beneficiary shall be entitled to receive at least 80% of the Total Premiums Paid, provided the policy is in in-force.

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Grace period of 15 days, where you pay the Premium monthly, and 30 days in all other cases, is available.

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any query guaranteed income star


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For queries, write to

Contact us on 022 6611 6021

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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.

6 - Income Benefit payouts are paid End of the Year.

9- Riders are Optional and available at extra cost. Please refer rider brochure for more details.

* Tax benefit of ₹ 46,800 is calculated at highest tax slab rate of 30% (in addition to income tax, cess of 4% is also applicable) on life insurance premium u/s 80C of ₹ 1,50,000. As per provisions of Income Tax Act, 1961. Tax benefits are subject to changes in tax laws.

^¹  - Festival Of Insurance Awards 2020 on Sahara Samay Hindi News Channel on 27th December, 2020 - YouTube. For CSR Activity and Digital Sales Channel (Insurance Alerts Excellence Awards 2020)

^²  - (Quantic Business Media)

^³ -


Edelweiss Tokio Life - Guaranteed Income STAR is only the name of a Non-Linked, Non-Participating, Individual, Savings, Life Insurance Plan 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. The tax benefits under this Policy may be available as per the prevailing Income Tax laws in India.  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: 147N073V02.

ARN: WP/2315/Feb/2022