Good things always come in pairs! Get dual benefits of life insurance and income generation with this plan.
Pick your preferred way of getting returns from the ‘Regular Income’ and ‘Regular Income Plus Lump Sum’ options.
When diagnosed with one of the listed critical illnesses, you don’t need to pay future premiums, if opted for the Secured Income Plan.
Freely execute your future plans as and when you deem fit! Choose the preferred date^* for you to get your regular income.
One plan, Two benefits! Get the plan that looks out for you by offering a regular income as well as a life cover. Receive returns in the form of monthly installments and a lump sum, depending on your choice of variant.
Plans that are twice as nice! The Edelweiss Tokio Life Income Builder plan comes in two variants - Base plan or Secured Income plan. The Base plan gives you the freedom to pay your premiums in one go through the single premium option or a series of regular installments. The second variant is the Secured Income option, which has the added advantage of being outfitted with the Critical Illness Benefit.
Look out for the silver lining! This option ensures that in case of death or diagnosis of covered Critical Illnesses, your loved ones won’t have to compromise on their dreams as they will continue to receive the payouts without paying any future premiums. The 12 critical illnesses listed include Heart Attack, Third Degree Burns, Cancer, Kidney Failure and more.
Time to reap what you have sown! You can choose from two options to get your regular second income. The first is the Regular Income option, where you get your returns in the form of installments. You can decide their frequency by choosing to receive them monthly, quarterly, half-yearly or annually. The second option is the Regular Income + Lump Sum option where you get a lump sum payout in addition to your installments.
Advance the Payout Date^*
Choose your own special day! You get the flexibility to receive income on the day of the month that you cherish the most. This means you can choose a special occasion in your life and get more joy that day, or create a new occasion, for receiving your additional income.
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.
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By the end of 18 years , Bhavesh received a maturity benefit of₹
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You may want an early retirement which can be enjoyed in grand style or it could be international education for your child. However, it is also important that we take necessary steps to take care of our family in all certain and uncertain events. Thus, it would be ideal to invest in a plan which takes care of financial security of your family and also helps you accumulate wealth.
You are always striving to fulfill the dreams & goals of your family and loved ones. These could include higher education or wedding of your children, supporting your retired parents or simply for a self-reliant retirement. However, life also has its share of uncertainties and risks. In a world which is ever changing, there’s finally one thing that won’t change - your financial security. That’s why you need Edelweiss Tokio Life - Income Builder - the plan that helps you build a second source of income to fulfill all your goals.
You can choose how you want to pay your premiums according to your convenience. This can be done on an Annual, Semi-Annual, Quarterly or Monthly basis.
There are 2 plan options with Edelweiss Tokio Life Income Builder. These are the Base plan option and the Secured Income option.
This option pays you your maturity benefit for fulfilling your dreams. It also provides life insurance cover to take care of loved ones in case of your unfortunate demise.
This option ensures that in case of an unfortunate event of death or diagnosis of covered Critical Illness, your loved ones don’t have to compromise on their dreams. With this plan, they will continue to receive the payouts during the payout period without paying any future premiums.
Yes, this plan covers death due to COVID-19.
For the Base option, you can either pay via Single Premium - paying your entire premium amount in one go or via Regular Premium - paying your premium in the form of installments over a given period.
For the Secured Income option, you can pay via Regular Premium.
For the Single Premium option, the minimum premium amount is Rs. 1,00,000. For the Regular Premium option, the minimum premium amount is Rs. 30,000.
For the Single Premium option, the minimum sum assured on death is Rs. 1,10,000. For the Regular Premium option, the minimum sum assured on death is Rs. 3,00,000. For maximum sum assured death, there is no limit as it is subject to board approved underwriting policy.
For the Base option, the minimum age at which you can get this policy is 6 years and for the Secured Income option, you can get it at 18 years of age. The maximum age till you get the policy with the Base option is 55 years of age. For the Secured Income option, you can get it till 50 years of age.
There are 2 options to receive it. The first is via Regular Income - where you get your maturity amount in the form of installments. You can also receive your returns via the Regular Income plus Lump Sum option - where you receive a lump sum amount along with your last installment.
You can choose to receive your regular income any date you want. You just have to inform us and we will ensure that you receive your regular income instalments on that date of a month by advancing your First Payout Date by a maximum of 30 days.
This benefit is only available with the Secured Income option. If you are diagnosed with one of the covered Critical Illness conditions, during the policy term and while the policy is in-force, we will pay the critical illness sum assured as lump sum provided you have survived for a period of 30 days following the date of diagnosis.
The 12 critical illnesses covered by this plan are as follows:
Cancer of Specified Severity
Open Chest Coronary Artery Bypass Graft
Myocardial infarction (First Heart Attack of Specified Severity)
Open Heart Replacement or Repair of Heart Valves
Kidney Failure Requiring Regular Dialysis
Third Degree Burns
Major Organ/ Bone Marrow Transplant
Permanent Paralysis of Limbs
Stroke resulting in permanent symptoms
Major Surgery of Aorta
Coma of Specified Severity
A rider is an additional benefit that you can opt for, to enhance your plan
Following riders are available with this plan:
Yes, you can avail of a loan under the policy once the policy acquires surrender value.
Guaranteed Surrender Value (GSV) is a specific percentage of total premiums paid till the date of Surrender.
The policyholder has 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.
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-force.
We allow a Grace Period of 15 days, where you pay the premium on a monthly basis, and 30 days in all other cases.
Yes, this plan covers death due to COVID-19.
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1 - Applicable only if all due premiums are paid and the policy is in-force.
3- As per provisions of Income Tax Act, 1961. Tax benefits are subject to changes in tax laws.
9- Riders are available at extra cost.
^*- This option can be exercised only once and at least 90 days before the maturity date.
Edelweiss Tokio Life – Income Builder is only the name of the Individual, Non-Linked, Non-Par, 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. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
IRDAI Reg. No.: 147. CIN:U66010MH2009PLC197336. UIN: 147N057V02.