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Zindagi is Better with a Second Income
experiencing them. That is why we present Edelweiss Tokio Life Income
Builder - a wealth plan that gives you a guaranteed¹ second income
along with a life cover & tax benefits.³
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Income Builder Brouchure

A Multiple of single/annualized premium as life cover at all time during policy tenure
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Reasons Why This Plan Is A Smart Saviour
Reasons Why This Plan Is A Smart Saviour!
Paisa Bhi, Life Cover Bhi
Good things always come in pairs! Get dual benefits of life insurance and income generation with this plan.
Show Me The Money
Pick your preferred way of getting returns from the ‘Regular Income’ and ‘Regular Income Plus Lump Sum’ options.
The One With The Contingency Plan
When diagnosed with one of the listed critical illnesses, you don’t need to pay future premiums, if opted for the Secured Income Plan.
Pick Your Lucky Date^*
Freely execute your future plans as and when you deem fit! Choose the preferred date^* for you to get your regular income.
Benefits of Income Builder
Benefits of Income Builder
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Income + Protection in one plan
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.
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Two Plan Options
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.
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Secured Income Option
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.
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Maturity Benefit Options
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.
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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.
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Tax Benefits³
Deductions no more! All the premiums paid towards Edelweiss Tokio Life Income Builder, are eligible for deductions under section 80 (C) and the maturity benefit under section 10(10D).






Income + Protection in one plan
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.

Two Plan Options
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.

Secured Income Option
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.

Maturity Benefit Options
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.

Tax Benefits³
Deductions no more! All the premiums paid towards Edelweiss Tokio Life Income Builder, are eligible for deductions under section 80 (C) and the maturity benefit under section 10(10D).

Choice of 5 Riders - Income Builder
Choice of 5 Riders⁹
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.
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.
Income Benefit Rider
Get the power of providing financial security in the form of regular income to your family when you’re no longer around with this rider.
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.
Edelweiss Tokio Life - Accidental Total and Permanent Disability Rider - UIN 147B001V03
Accidents are unpredictable and can have long-lasting impacts. In case you are left with a total and permanent disability due to an accident, it can affect your ability to continue your occupation and can hamper your efforts to provide for your loved ones. This Rider provides aid in the form of a lump sum amount, so you can manage your expenses. It comes into effect after 180 days of your condition being presented.
The entry age for this rider can range between 18 to 65 years. This rider provides financial security in case of total and permanent disability caused by an accident. The policy term for this rider ranges between 5 to 52 years with maturity age between 23 to 70 years. You can carry out your payments through options like Single Pay, Regular Pay and Limited Pay but bear in mind that the frequency of these payments must match your selections in the base plan. It is important to note that the total rider premiums should not exceed 30% of the base plan premium. The minimum Sum Assured received from this rider is Rs. 1,00,000, while there is no limit on the maximum Sum Assured value, subject to Reinsurance capacity. However, the maximum sum assured cannot exceed the value of the Sum Assured of the base plan.
Edelweiss Tokio Life - Accidental Death Benefit Rider - UIN 147B002V03
You never know when an accident can befall you, and lead to unfortunate circumstances. By definition, an Accidental Death is a traumatic death caused solely due to an accident, occurring independently of any other causes and within ninety (90) days of such trauma, proved to the satisfaction of the insurer.
It is a sudden situation, which can often leave your loved ones scrambling to make arrangements for their future. By opting for this Rider, you can make sure your loved ones get financial security in these unforeseen circumstances.
The entry age for this rider spans between the age of 18 till 65. This rider looks out for your family’s financial needs in case of an accident causing your unfortunate demise. The policy term for this rider ranges between 5 to 52 years with maturity age between 23 to 70 years. You can carry out your payments through options like Single Pay, Regular Pay and Limited Pay but the frequency of these payments must match your selections in the base plan. The annual premium amount for this rider is Rs. 0.50 (excluding service tax) for a Sum Assured of Rs. 1000. The minimum Sum Assured received from this rider is Rs. 10,000, while there is no limit on the maximum Sum Assured value, subject to Reinsurance capacity.
Edelweiss Tokio Life - Income Benefit Rider - UIN 147B015V01
You are one of the pillars of support for your loved ones, but unforeseen circumstances can take you away from them. In such cases, it is important to make arrangements for your family, so their future is protected. Thus, this Rider helps provide them with a monthly income so they can manage their expenses when you’re no longer around to support them.
With an entry age spanning from 18 to 65 years, this rider’s term can last anywhere between 5 to 52 years. The maturity age is between 23 to 70 years of age. The minimum premium amount for this rider is Rs. 101 and the maximum amount is based on age, gender, policy term, premium paying term and Sum Assured. Bear in mind that this amount cannot exceed beyond 30% of your base plan’s premium. You can choose different payment options like Single Pay, Regular Pay and Limited Pay to purchase this rider, but this frequency will depend on the choice you have made in your base plan. The minimum Sum Assured you will get from this optional benefit is Rs. 75,000. There is no limit on the maximum Sum Assured value. On death of the life assured, a monthly death benefit amount equal to 1% of the sum assured would be paid for the next 150 months to his or her family.
Edelweiss Tokio Life - Waiver of Premium Rider - UIN 147B003V04
Unfortunate events can come into life without any warnings, leaving you worried about the future of you and your family. In case you are diagnosed with a critical illness, suffer from total and permanent disability due to an accident or death, this Rider comes to your aid. With this, any future premium payments that are remaining are waived off, keeping all benefits of your chosen plan intact. The critical illnesses covered in this plan are - Cancer of Specified Severity, Open Chest CABG, Myocardial Infarction (First Heart Attack of specific 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, Surgery of Aorta, Coma of Specified Severity and Blindness.
This optional benefit has an entry age ranging between 18 to 65 years and a maximum maturity age of 70 years. You can get this rider for a term of 5 to 52 years and pay for it through options like Regular Pay and Limited Pay. bear in mind that the frequency of payments you choose should be the same as your selection made for the base plan. The unique feature of this rider is that there is no limit on the maximum premium to be waived off. This Rider gets activated upon first diagnosis of critical illness or due to accidental total and permanent disability during the term. Claim will be triggered only once.
Edelweiss Tokio Life - Payor Waiver Benefit Rider - UIN 147B014V04
Unforeseen circumstances like diagnosis of a critical illness or disability can have long-reaching effects. It can change your lifestyle and can have an adverse effect on your everyday processes. This Rider provides assistance in such a case - diagnosis of one of listed critical illnesses, a total and permanent disability caused by an accident or death. In such a case, all your remaining premium payments will be waived off and your policy benefits will continue unaffected. This Rider is applicable on plans where the life insured and proposer of the policy are different people.
This optional benefit has an entry age of 18 to 65 years and its maturity age is 70 years. Your payment frequency and term for this rider should coincide with the selection made for the base plan. The minimum premium amount you will have to pay is Rs. 3.40, while the maximum premium will be restricted to 30% of the base product premium. The minimum premium amount that will be waived off through this rider is Rs. 1000, whereas there is no limit for the maximum premium amount.
This Rider covers the following critical illnesses - Cancer of Specified Severity, Open Chest CABG, Myocardial Infarction (First Heart Attack of specific 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, Surgery of Aorta, Coma of Specified Severity and Blindness. This Rider offers a 15-day Free Look period and the Grace Period is the same as the base plan.
Plan your financial growth with Income Builder - full stop before Along & add Life after Tokio.
4 Steps For Starting Your Second Source Of Income
4 Steps For Starting Your Second Source Of Income
Start your Income Building journey
- Choose your premium amount
- Choose your policy term
- Pick your preferred premium paying frequency
Pick a suitable plan
- Choose your preferred plan variant
- This could be Base Plan or Secured Income Plan
Decide what form you want to get your returns in
- Regular Income
- Regular Income + Lump sum
Sit Back And Relax!
- Submit the requested documents
- Let us verify your details and start your wealth generation process!
EdelweissPremiumReturnsCaculatorWeb
Plan Your Financial Growth With Income Builder
Bhavesh invested
₹every year for
Year
He will receive annual income of
for the next 12 years.
Annual Premium Amount: Rs 50,000
Policy Term 12 Years
Fund Value Rs 0
This is a sample Illustration *In above example, we have taken 30 year old non-smoker male.
Asset Publisher
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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?

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Reasons Why You’re Bound To Love Us Back
Reasons Why You’re Bound to Love Us Back

We’ve got experience in helping people make their Zindagi unlimited

We have the expertise in making you grow your wealth.

We constantly innovate our offerings to get better results for you
Reasons Why You’re Bound to Love Us Back

We’ve got experience in helping people make their Zindagi unlimited

We have the expertise in making you grow your wealth.

We constantly innovate our offerings to get better results for you
Income Builder Testimonial Rating
Here's Why Our Customers Adore Us
Look at what people had to say about our services
Asset Publisher

Very helpful during call thanks to Ms Ayesha A customer care executive
Sudeep priyo Bagh
(teacher)
Thank you for effectively closing the proposal.I would like to share my views regarding the service I received from Edelweiss Tokio and personally from Kaushik who has been my point of contact through out this transaction.Just to give you a background I work as Director with an IT MNC and I am someone who understands the insurance and Financial products very well.What was impressive with Edelweiss Tokio was the transparency in the whole process.I will be happy to suggest ET to my friends.
Deepak Kulkarni
(Director)
Thanks for providing the good news that the policy has been issued.Yes,the service was very good from Edelweiss Tokio Life Insurance to avail this insurance within the scheduled time.I hope the same kind of support will continue for this long term relationship with Edelweiss Tokio.
Kartik Nayak
(Sr Engineer)
The Customer Care Executive - Ms Afreen Sheikh was very prompt in resolving my query!!
Devanshu Gandhi
(Business Owner)
100% satisfactory. Thanks to Edelweiss tokyo and its hard working staff.
Kanwaljit Singh
(owners)
It was very good experience. they understand my problem and solved it and given time to me, thank you.
Kumar Devam
(pvt teacher)FAQs - Income Builder
Frequently Asked Questions
Like teachers say, there are no silly questions
What is a wealth accumulation / savings plan?
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.
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Why should I opt for Edelweiss Tokio Life Income Builder?
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.
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How often do I need to pay my premiums?
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.
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What are the available plan options?
There are 2 plan options with Edelweiss Tokio Life Income Builder. These are the Base plan option and the Secured Income option.
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What is the Base plan 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.
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What is the Secured Income option?
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.
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Does this plan cover death due to COVID-19?
Yes, this plan covers death due to COVID-19.
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What are the different premium payment options?
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.
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What is the minimum premium amount?
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.
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What is the minimum and maximum sum assured?
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.
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What is the minimum and maximum age at which I can get this 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.
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What are the maturity payout options?
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.
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Can I choose the date^* to get my monthly income instalments?
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.
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What is the Critical Illness Benefit?
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.
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What are the critical illnesses covered in this plan?
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
Total Blindness
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What is a Rider?
A rider is an additional benefit that you can opt for, to enhance your plan
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What are the Riders available with this plan?
Following riders are available with this plan:
- Edelweiss Tokio Life - Income Benefit Rider
- Edelweiss Tokio Life – Payor Waiver Benefit Rider
- Edelweiss Tokio Life - Accidental Death Benefit Rider
- Edelweiss Tokio Life - Accidental Total and Permanent Disability Rider
- Edelweiss Tokio Life – Waiver of Premium Rider
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Can I get a policy loan?
Yes, you can avail of a loan under the policy once the policy acquires surrender value.
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What is Guaranteed Surrender Value?
Guaranteed Surrender Value (GSV) is a specific percentage of total premiums paid till the date of Surrender.
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What is the free look period of this policy?
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.
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Are there any exclusions to the plan?
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.
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What is the grace period of this plan?
We allow a Grace Period of 15 days, where you pay the premium on a monthly basis, and 30 days in all other cases.
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Does this plan cover death due to COVID-19?
Yes, this plan covers death due to COVID-19.
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Income Builder any queries
We are always there for you !
For queries, write to onlinesales@edelweisstokio.in
Contact us on 022 6611 6083
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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.
ARN: WP/1431/Feb/2021