Your Details

    This is the amount you will pay

    ₹ 50 Lacs

    Choose a plan option to suit your goals

    Your payment frequency

    No. of years you will pay the premium

    Policy Term

    Policy Term

    Policy year on which pay-out starts

    Income benefit pay-out duration

    Who are you investing for

    Extra cover for critical Illness & death

    Income benefit pay-out frequency

    Income benefit pay-out type

    Add lumpsum benefit at maturity

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    Total guaranteed¹ benefits
    ₹ 0

    Basic Details

    • Full Name
      Sachiananda Prasad Reddy
    • Your Income
      Less than 5 Lacs
    • Mobile Number
      + 91 9876543210
    • Your Age
      29

    Plan Details

    This is the amount you will pay

    Choose a plan option to suit your goals

    Your payment frequency

    No. of years you will pay the premium

    Policy Term

    Policy Term

    Policy year on which pay-out starts

    Income benefit pay-out duration

    Who are you investing for

    Extra cover for critical Illness & death

    Income benefit pay-out frequency

    Income benefit pay-out type

    Add lumpsum benefit at maturity

    Edelweiss Tokio Life - Guaranteed Income STARReasons Why You’d Say Wah Kya Plan Hai!

    Waiver of Premium

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    Edelweiss Tokio Life - Waiver of Premium rider waives of future premiums in case you suffer from Critical Illness or total and permanent disability due to accident.

    @ ₹ 0

    Minimum entry age for Waiver of Premium is 18 years. Kindly revise age.

    Accidental Death Benefit

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    The Edelweiss Tokio Life - Accidental Death Benefit Rider gives you extra protection. In case an accident claims your life, your family will get the selected accidental death cover amount in addition to the base life cover amount.

    @ ₹ 0

    Minimum entry age for Accidental Death Benefit is 18 years. Kindly revise age.

    Accidental Total and Permanent Disability

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    If you opt for Edelweiss Tokio Life - Accidental Total and Permanent Disability Rider, you’ll get the cover amount you have selected in case an accident causes permanent disability. This takes care of all your immediate expenses such as medications, hospital bills and regular expenses such as EMIs, education fees etc. The base policy continues as usual.

    @ ₹ 0

    Minimum entry age for Permanent Disability is 18 years. Kindly revise age.

    Critical Illness

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    Under Edelweiss Tokio Life - Critical Illness Rider, if you are diagnosed with one of the 12 specific critical illnesses, you will receive a payout of the critical illness cover you’ve selected. The policy will continue with the base life cover after critical illness claim paid. Term life insurance is for your family’s security but this rider will cover you financially against 12 listed critical illnesses.

    @ ₹ 0

    Minimum entry age for Critical Illness Rider is 18 years. Kindly revise age.

    Hospital Cash Benefit

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    Edelweiss Tokio Life - Hospital Cash Benefit Rider provides for daily allowance as well as post-hospitalization benefits in case you, the policyholder, requires hospitalization.

    @ ₹ 0

    Minimum entry age for Income Benefit is 18 years. Kindly revise age.

    Payor Waiver Benefit

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    Under Edelweiss Tokio Life - Payor Waiver Benefit, covers 35 critical illnesses. If you are diagnosed with any one of them all your future premiums will be waived off and your policy will continue as usual along with its benefits. So you want have to worry about paying premiums and focus on your health. Select Payor Waiver Benefit

    Payor Waiver Benefit is only applicable if your are investing for your family member.

    Your-plan

    Base Plan
    ₹ 31,350
    premium break-up
    Additional Benefits

    Total guaranteed ¹ benefits

     Inc. of GST

    Reasons Why You’re Bound To Love Us Back

    Asia's Best Insurance Company

    Asia's Best Insurance Company Award for CSR Activity & digital Sales channel^¹

    Life Insurance Company of the Year

    BFSI Excellence - Life Insurance Company of the year 2021^²

    Best Customer Experience

    Best Customer Experience & Contact Center Management - Life Insurance^³

    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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    Why should I opt for Edelweiss Tokio Life – Guaranteed Income STAR?

    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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    What goals can I meet with this plan?

    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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    What are the minimum & maximum maturity ages of this plan?

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

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    Is there an option to receive Lumpsum income with this plan?

    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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    Are all the benefits guaranteed?

    Yes, all the benefits in this plan are guaranteed.

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    Are there any Discounts available in this plan?

    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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    What are the Level & Increasing Income options?

    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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    Is the Life Cover available throughout the policy term?

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

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    How many plan options are available?

    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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    Are there any additional benefits available?

    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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    What is the Premium Paying Term (PPT) for this plan?

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

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    What is a Rider?

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

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    Are there any Riders available with Edelweiss Tokio Life – Guaranteed Income STAR?

    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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    Can I get a loan through this plan?

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

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    What is the free look period of this policy?

    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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    Are there any exclusions?

    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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    Do I get any Grace Period?

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

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    We are always there for you !

    1-  This is applicable only if all due premiums are paid and the policy is inforce.

    2- Policy loan is 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.

     

    Edelweiss Tokio Life - Accidental Total and Permanent Disability Rider is only an Individual, Non-Linked, Non-Par, Pure Risk Premium, Health Insurance rider.  UIN 147B001V03

    Edelweiss Tokio Life - Accidental Death Benefit Rider is only the name of an Individual, Non-Linked, Non-Par, Pure Risk Premium, Health Insurance Rider. UIN 147B002V03

    Edelweiss Tokio Life - Critical Illness Rider is only the name of the Individual, Non-Linked, Non-Par, Pure Risk Premium, Health Insurance rider. UIN 147B005V03

    Edelweiss Tokio Life – Payor Waiver Benefit Rider is only the name of the Individual, Non-Linked, Non-Par, Pure Risk Premium, Life Insurance Rider.  UIN 147B014V04

    Edelweiss Tokio Life - Waiver of Premium Rider is only the name of the Individual, Non-Linked, Non-Par, Pure Risk Premium, Health Insurance rider. UIN 147B003V04

    Edelweiss Tokio Life – Income Benefit Rider is only the name of an Individual, Non-Linked, Non-Par, Pure Risk Premium, Life Insurance Rider. UIN 147B015V01

    Edelweiss Tokio Life Insurance Company Limited.
    IRDAI Reg. No.: 147. CIN: U66010MH2009PLC197336. UIN: 147N073V01 | ARN: WP/2352/Feb/2022 
    Registered & Corporate Office: 6th Floor, Tower 3, Wing ‘B’, Kohinoor City, Kirol Road, Kurla (W), Mumbai 400070.
    Toll Free No.: 1800 212 1212 | Fax No.: +91 22 6117 7833 | www.edelweisstokio.in
    Flower & Edelweiss are trademarks of Edelweiss Financial Services Limited; Tokio is Trademark of Tokio Marine Holdings Inc. and used by Edelweiss Tokio Life Insurance Co. Ltd. under license.

    Edelweiss Tokio Life – Guaranteed Income STAR is only the name of an Individual, Non-Linked, Non-Participating, Savings, Life 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. 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 the sales brochure carefully before concluding a sale.

    BEWARE OF SPURIOUS PHONE CALLS AND FICTIOUS/FRAUDULENT OFFERS

    IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint