Guaranteed¹ Returns Calculator

Please Enter Full Name

Please Enter Mobile No.

Please Enter Email ID

Please Enter Your Date of Birth

By submitting my details, I override my NDNC registration and authorize Edelweiss Tokio Life Insurance Company Limited and its representatives to contact me through call, WhatsApp or E-mail for providing assistance with the proposal. I further consent to share my information with third parties for evaluating and processing this proposal.

 

Edelweiss Tokio Life – Premier Guarantee Income

 

It’s great to know when there is a guarantee for something, be the promise of free pizza if not delivered under 30 minutes, or a plan that gives you a guarantee1 on your income! So, why let financial uncertainties come in your way? The all-new Edelweiss Tokio Life – Premier Guaranteed Income is a guaranteed1 income plan that offers guaranteed1 returns up to 6.28%#! What’s more? It offers four different options from which you can choose your income type, basis your life stage needs! 

 

Reasons Why You’ll Love This Plan

Guaranteed1 Income 

Guaranteed1 Income to secure your financial goals.

6% Discount on Medicals Done Early

Guaranteed1 Returns 

Guaranteed1 Returns up to 6.28%.#

4 Plan Options 

Option to Choose between Lumpsum, Short Term Income, Long Term Income & Retirement Income Types.

Financial Protection

Financial Protection

Life Cover + 6 Rider options for enhanced protection.9

Family Income Benefit

Family Income Benefit

Option to waive off future premiums in case of diagnosis of a Critical Illness and/or death.

Tax Benefits3

Tax Benefits3

Tax Benefits on Premium Paid u/s 80(C) and on Maturity Benefit u/s 10(10D) .

Guaranteed1 Income 

Guaranteed1 Income to secure your financial goals.

6% Discount on Medicals Done Early

Guaranteed1 Returns 

Guaranteed1 Returns up to 6.28%.#

4 Plan Options 

Option to Choose between Lumpsum, Short Term Income, Long Term Income & Retirement Income Types.

Financial Protection

Financial Protection

Life Cover + 6 Rider options for enhanced protection.9

Family Income Benefit

Family Income Benefit

Option to waive off future premiums in case of diagnosis of a Critical Illness and/or death.

Tax Benefits3

Tax Benefits3

Tax Benefits on Premium Paid u/s 80(C) and on Maturity Benefit 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˜

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 guaranteed¹ income plan?

A plan that offers guaranteed¹ returns ensures that you have a source of income, no matter the circumstances. This plan caters to your need for stable wealth accumulation, along with providing protection for your family and giving tax³ benefits. With these benefits, you can ensure your achievement of future goals, whether it be a happy retirement or paying for your child’s education

Was this helpful?

What should I opt for Edelweiss Tokio Life Premier Guaranteed¹ Income plan?

Edelweiss Tokio Life – Premier Guaranteed Income is a life insurance plan designed to provide a protection to your family from any financial loss in case of an untimely death or diagnosis of covered Critical Illness, and also offers a guaranteed¹ regular income and / or guaranteed¹ lump sum to you and your family, provided all due premiums are paid. It has four plan options to help you customize the plan as per your requirement.

Was this helpful?

What goals can I meet with this plan?

You may want an early retirement which can be enjoyed in style with regular guaranteed¹ income, or it could be an international education course for your child. It would be ideal to invest in a plan which helps you accumulate wealth / generate income via guaranteed returns to achieve these goals, even in your absence.

Was this helpful?

Are all the benefits guaranteed¹?

Yes, all the benefits in this plan are guaranteed¹.

Was this helpful?

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. 

Was this helpful?

How many plan options are available?

This plan offers 4 plan options to choose from – Lump sum, Short term Income, Long Term Income & Retirement Income, basis your life goals. You could want an early retirement that you could enjoy in style with regular guaranteed income through the Retirement Income option, or you could gift your child a regular higher education tuition fees through Short Term Income option or Long Term Income option, or it could be an international education course for your child for which you may need a lump sum guaranteed¹ payout.

Was this helpful?

Are there any additional benefits available?

With all Plan Options, there is an additional optional benefit of Family Income Benefits. This benefit ensures that in case of an unfortunate event of death or diagnosis of 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 Benefits on Critical Illness and Family Income Benefits on Critical Illness and Death.

Was this helpful?

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.

Was this helpful?

What is the Policy Term for this plan?

The policy term for this plan depends on the plan option selected -

 

Lump Sum

For 5 PPT: 10, 15 & 20 For 8 PPT: 10, 15 & 20 For 10 PPT: 12, 15 & 20 For 12 PPT: 15 & 20

Short Term Income

For 8 PPT: 18 For 10 PPT: 22 For 12 PPT: 26

Long Term Income

For 5 PPT: 22, 27, 32 & 37 For 8 PPT: 25, 30, 35 & 40 For 10 PPT: 27, 32, 37 & 42 For 12 PPT: 29, 34 & 39

Retirement Income

80 minus entry age

Was this helpful?

What is a Rider?

A rider is an additional benefit that you can opt for, to enhance your plan. These are available at a nominal extra cost.

Was this helpful?

Are there any Riders available?

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 

Was this helpful?

Can I get a loan through this plan?

Yes, you can get a policy loan once policy acquires surrender value. Policy loan is subject to terms & conditions of the product. Refer product sales brochure for more details.

Was this helpful?

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 & electronic policies will have a free look period for 30 days.

Was this helpful?

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.

Was this helpful?

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.

Was this helpful?

Need expert advice?

Related Videos

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.

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

 

^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  - https://cloud-user-recordings-ffmpeg-converted-prod.s3-ap-south-1.amazonaws.com/recordings/ccd117b0-be48-11eb-9782-b590083730e8/3b7e25a3-b9b4-47b0-9f68-70eeb8062d60/ccd117b0-be48-11eb-9782-b590083730e8_0001_474830a2.mp4 (Awarded by Quantic Business Media BFSI Excellence Awards 2021)

^³ -  https://thealdenglobal.com/inflection-conference-awards/

# - 6.28% is the IRR (Internal Rate of Return) provided Life Insured survives till maturity, calculated for Long Term Income plan option, 30-year old male, single, non-smoker, Policy Term: 39 years, Premium Paying Term: 12 years, Premium Paying Frequency – Annual, Income Benefit Pay-out Frequency – Annual, Lump Sum benefit: Yes, Family Income Benefits – No and annualized premium of Rs. 5 lacs. IRR (Internal Rate of Return) will change subject to change in the combination of entry age, gender, Plan Option, Policy Term, Premium Paying Term, Premium Paying Frequency, Income Benefit Pay-out Frequency, Lump Sum benefit: Yes/No/Na, Income Benefit Pay-out Type: Level/Increasing/Na, FIB on CI: Yes/No, FIB on CI & Death: Yes/No and Annualized Premium.

^ The Returns will differ since it is calculated basis the age, gender chosen for a healthy non-smoker of policy term of 25 years with premium paying term of 10 years, plan option chosen as ‘Lumpsum’ and the distribution channel is Online Sales.

~ Premium (exclusive of taxes) calculated for 30 year old male, DOB 01/01/1991, non-smoker, for a policy term of 20 years with Rs. 1CR life cover, premium paying term 10 years, payment frequency annually,  plan option selected as Lumpsum and the distribution channel is Online Sales.

 

Edelweiss Tokio Life – Premier Guaranteed Income 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.

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 Insurance Company Limited.

IRDAI Reg. No.: 147. CIN: U66010MH2009PLC197336. UIN: 147N072V01. | ARN: LP/1960/Sep/2021 

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

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