IN UNIT LINKED INSURANCE POLICIES, INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER

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Why Edelweiss Tokio Life Wealth Secure+?

 

Edelweiss Tokio Life - Wealth Secure+ is a savings plan which helps you secure multiple goals like growing wealth, save for your child's education or planning a stress-free retirement. The plan offers a triple advantage of Life Cover + Savings + Tax Benefits³ with an opportunity to earn market linked returns by investing just Rs. 2500 per month.

 
Affordable Savings

Affordable Savings

Start small to win big! All you need is Rs.1000 p.m.²  to take your step towards savings and secure your goals.

5-year Policy Term Option

5-year Policy Term Option

This new generation ULIP, offers a policy term option of as low as 5 years.

Whole Life Protection

Whole Life Protection

Option to get a life cover till 100 years and option to include spouse & children in it as you sail through different life stages.

7 Fund Options

7 Fund Options

Basis your risk appetite, option to invest in both equity & debt money market instruments through 7 different fund options.

Free Partial Withdrawal

Free Partial Withdrawal¹

After 5th policy year, option to withdraw a part of fund value, as per your liquidity requirements, free of cost.

Tax Benefits3

Tax Benefits³

Get tax benefits on premiums paid under section 80(C) and on the maturity benefit under section 10 (10D).

Fund Additions

Fund Additions

Maximize¹ your savings through additional allocations – Loyalty Additions, Booster Additions & Maturity Additions.

Affordable Savings

Affordable Savings

Start small to win big! All you need is Rs.1000 p.m.²  to take your step towards savings and secure your goals.

5-year Policy Term Option

5-year Policy Term Option

This new generation ULIP, offers a policy term option of as low as 5 years.

Whole Life Protection

Whole Life Protection

Option to get a life cover till 100 years and option to include spouse & children in it as you sail through different life stages.

7 Fund Options

7 Fund Options

Basis your risk appetite, option to invest in both equity & debt money market instruments through 7 different fund options.

Free Partial Withdrawal

Free Partial Withdrawal¹

After 5th policy year, option to withdraw a part of fund value, as per your liquidity requirements, free of cost.

Tax Benefits3

Tax Benefits³

Get tax benefits on premiums paid under section 80(C) and on the maturity benefit under section 10 (10D).

Fund Additions

Fund Additions

Maximize¹ your savings through additional allocations – Loyalty Additions, Booster Additions & Maturity Additions.

Performance of Our Funds

If you invest
for annually, your investment value will be 600000*
Past Return Values & Benchmark Return Values are updated as of 30th November 2021
Fund NameFund Inception Date
Benchmark Returns(%)
Equity 250Nifty 250* 10 Years Since 101014.4614.46
100%
₹ nanimg
Equity Large capNifty 200* 20/04/2000 20 Years12.4612.46
100%
₹ nanimg
100%

Our Returns/ Benchmark (%)
Projected Returns*
100%

2- Past performance is not an indicator of future performance.

*Some benefits are guaranteed, and some benefits are variable with returns based on the future performance of the Company. If your policy offers guaranteed benefits, then these will be clearly marked “guaranteed” in the illustration table on this page. If your policy offers variable benefits then the illustrations on this page will show two different rates. of assumed future investment returns, of 8% p.a. and 4% p.a. These assumed rates of return are not guaranteed, and they are not the upper or lower limits of what you might get back, as the value of your policy is dependent on a number of factors including future investment performance.

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

Need expert advice?

Fire Away Queries

Like teachers say, there are no silly questions

Why do I need a savings insurance plan?

In today’s uncertain world, it is important to save for the rainy days. You need to arrange for stable funds to fulfill your ambitions and to support you in your later years. A savings insurance plan ensures that your and your family’s future is secured, even in uncertain times.

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Why should I opt for Edelweiss Tokio Life – Wealth Secure+?

You would want to reap the rewards of your hard work by enjoying a good lifestyle or planning for the big moments in your life. For this, you need a plan that lets you save as little or as much as you like. Edelweiss Tokio Life Wealth Secure+ is savings plan that comes with a life cover to protect you and your family from all future uncertainties and fulfill all your aspirations. 

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What goals can I fulfil with this plan?

This plan can help you save for all kinds of goals – big or small. You may want to save for an international holiday, for an early retirement which can be enjoyed in grand style or for an international education course for your child.

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What are the life cover variants available?

There are 3 life cover variants available with this plan. The first is the Life Cover option that ensures financial protection to your family in case of your unfortunate demise. The second option is Joint Life Cover which covers you and your spouse in the same policy. The third option is Child Cover, which enhances protection for your child by continuing the policy when you’re no longer around.

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What is the minimum and maximum premium for the base life cover variant?

For a plan with a premium paying term less than 10 years, the minimum annualized premium is Rs.24,000 and there is no limit on the maximum amount. In case you have opted for a premium paying term greater than or equal 10 years, the minimum annualized premium is Rs.12,000.

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What is the minimum and maximum premium of the life partner and child variants?

For a plan with a premium paying term less than 10 years, the minimum annualized premium is Rs. 48,000 and there is no limit on the maximum amount. In case you have opted for a premium paying term greater than or equal 10 years, the minimum annualized premium is Rs.24,000. There is no limit on the maximum amount.

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What are the premium paying terms offered?

The premium paying term when you opt for the regular pay option is the same as the policy term. In case you opt for the limited pay option, the premium paying term will be calculated as 5 years - (Policy term minus 1) years.

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What is the minimum and maximum sum assured?

Minimum sum assured is 7 x annualized premium, and maximum sum assured is 10 x annualized premium.

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What are the policy term options of the base variant?

The minimum policy term when you opt for base (Option 1) is 5 years and the maximum policy term is 25 years. If you opt for base (Option 2 – the whole life option), the policy term is 100 minus entry age. For both the child and life partner variants, the minimum policy term is 5 years and the maximum policy term is 25 years.

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What is the minimum and maximum maturity age in the base variant?

The minimum maturity age for the Base variant having premium paying term less than 10 years is 18 years and the maximum maturity age in this case is 70 years. For premium paying term equal to or more than 10 years, there are 2 options. For Option 1, minimum maturity age is 18 years and maximum is 70 years. For Option 2, the maturity age is 100 years. 

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What is the minimum and maximum maturity age in the life partner and child variant?

For premium paying term less than 10 years, the minimum maturity age is 23 years and maximum maturity age is 55 years. For premium paying term equal to or more than 10 years, the minimum maturity age is 23 years and maximum maturity age is 60 years.

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What is the lowest premium that can be paid for this plan?

You can start your savings at just Rs. 1,000 per month with this plan.

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Does this plan cover COVID-19 claims?

Yes, this plan covers death due to COVID-19.

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Are there any fund additions in this plan?

There are 3 fund additions you get with this plan. The first is the loyalty additions that are added from the 6th policy year at the end of each policy year. The second is the booster additions which are added at the end of 10th policy year and every 5th policy year thereafter. The third is the maturity addition that is added when your plan matures.

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What are the 7 fund options?

The 7 fund options are as follows:

  • Equity Large Cap Fund
  • Equity Top 250 Fund
  • Equity Mid-Cap Fund
  • Managed Fund
  • Bond Fund
  • Equity Blue Chip Fund
  • Gilt Fund
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Which is the best fund for me?

The 7 funds are mixed in a way to suit your risk appetite. Some people like to play with higher risks, while others prefer to take moderate risks. Funds like Equity Large Cap Fund, Equity Top 250 Fund, Equity Mid-Cap Fund, Equity Blue Chip Fund have high risks, Managed Fund has medium risks, and Gilt Fund has low to medium risks. 

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What are the flexibilities offered with this plan?

There are flexibilities offered with the policy term, premium paying term, and premium paying frequency. You get unlimited free switches between funds and unlimited premium redirection if opted for self-managed strategy. You also have flexibilities if you wish to opt for partial withdrawals and Systematic Withdrawal Plan. 

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Do I have to pay any plan charges?

There are no charges on premium allocations, top-up allocations, switching funds, premium redirections or partial withdrawals. fund management charges are a percentage of the asset value of the relevant fund and will be reflected in the NAV of the respective fund. Policy admin charge is Rs.600 @ 8% p.a. fund growth rate.

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Are surrender/discontinuance charges applicable throughout the policy year?

No, these charges become zero from the 5th year onwards.

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What is the free look period?

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 date of commencement of policy or from the date of revival, your nominee or beneficiary shall be entitled to the available fund value as on date, of the intimation of death.

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What is the grace period available?

Grace Period of 30 days is available for Annual, Semi-Annual and Quarterly premium payment modes and 15 days for Monthly premium payment mode.

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Related Videos

* 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- For more details please read the sales brochure separately

2- Rs. 1,000/- per month is applicable when annualized premium paying term is greater than or equal to 10 years.

3- 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  - 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/

^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: 147L062V01. | ARN: LP/2202/Dec/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

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.

 

The Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender/withdraw the monies invested in Linked Insurance Products completely or partially till the end of the fifth year.

 

Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. Edelweiss Tokio Life Insurance is only the name of the Insurance Company and Edelweiss Tokio Life – Wealth Secure+ is only the name of the unit-linked life insurance contract and does not in any way indicate the quality of the contract, its future prospects, or returns. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. Please know the associated risks and the applicable charges from your Personal Financial Advisor or the Intermediary or policy document of the Insurer. The premium paid in unit linked life insurance policies are subject to investment risk associated with capital markets and the unit price of the units may go up or down based on the performance of investment fund and factors influencing the capital market and the policyholder is responsible for his/her decisions. Tax benefits are subject to changes in the tax laws. For more details on risk factors and terms and conditions, please read 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.

 

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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