Guaranteed¹ Income Calculator

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Why Edelweiss Tokio Life Guaranteed Income STAR?


The all-new Edelweiss Tokio Life Guaranteed Income STAR is a guaranteed1 income plan that enables you to receive a stream of regular income with the option to get pay-out starting from 2nd policy year.  This plan offers a 3-in-1 advantage of Regular Guaranteed1 Income + Life Cover till age 100 + Tax Benefits up to Rs. 46,800*. What’s more? You can also avail additional and optional benefits like Family Income Benefit and 6 Riders.



Reasons Why You’d Say Wah Kya Plan Hai

Regular Guaranteed¹ Income
Avail a regular stream of guaranteed¹ income from 2nd policy year or at intervals, in the forms of Flexible Income option or Large Income option respectively
Lumpsum Pay-out Option
Additional lumpsum pay-out at the end of maturity to receive regular + lumpsum guaranteed¹ income with this plan
With You, Always
Life insurance coverage until the age of 100 to ensure financial security for your loved ones, in case any unforeseen circumstances
Liability-free Retirement
Option to complete your premium payments in 5, 8, 10 or 12 years to help you receive guaranteed¹ income during the golden years of your later life
Family Income Benefit
Option to avail continued guaranteed¹ income till the end of policy term along with all future premiums waived off, in case of demise and/or Critical Illness
Tax Benefits³
Save tax up to Rs. 46,800* with premiums u/s 80C and guaranteed¹ income received with tax benefit3 u/s 10(10D)

Choice of 6 Riders⁹

  • Accidental Death Benefit Rider

    This rider provides financial security in the form of an additional life cover to your loved ones in case of demise due to an accident.

  • Accidental Total and Permanent Disability Rider

    With this rider, you can get a lump sum amount to manage your expenses in case total or permanent accidental disability has hindered your earning capacity.

  • Critical Illness Rider

    In case you are diagnosed with one of 12 listed critical illnesses, this optional benefit will provide you 100% of the Rider Sum Assured after 30 days of diagnosis.

  • Waiver of Premium Rider

    In case of critical illness, accidental total and permanent disability or death, get all future premiums waived off through this optional benefit.

  • Payor Waiver Benefit Rider

    With this rider, if the proposer of the policy suffers from an unfortunate event like death, disability or critical illness, all future premiums are waived off and the policy continues for the life insured.

  • Hospital Cash Benefit

    This rider gives a daily allowance in case you are hospitalized for any necessary treatment of an illness or injury.

What Makes Edelweiss Tokio Life Your Ideal Partner?

Asia's Best Insurance Company

Asia's Best Insurance Company Award for CSR Activity & Digital Sales Channel^¹

97.01% Claim Settlement Ratio^⁴

Our Promise of Integrity - 97.01% Claim Settlement Ratio for FY 2021.

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 2021^³

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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1-  Applicable only if all due premiums are paid and the policy is in-force.

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.

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  - (Awarded by Quantic Business Media BFSI Excellence Awards 2021)

^³ -

^⁴ Claim statistics are for Financial Year 2020-21 and is computed basis individual claims settled over total individual claims for the financial year. For details, refer to Public Disclosures in our Website.


Edelweiss Tokio Life Insurance Company Limited.

IRDAI Reg. No.: 147. CIN: U66010MH2009PLC197336. UIN: 147N073V01. | ARN: 

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 |

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 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 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