Maximize Your Wealth Accumulation With Gcap Investment Plan

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Life Cover + Guaranteed Returns with Edelweiss Tokio Life – GCAP

The market can often be volatile and unstable. To ensure that your savings don’t suffer a downfall, a guaranteed returns plan is a good choice.  Edelweiss Tokio Life – GCAP is a plan that caters to the need of stable wealth accumulation.

GCAP also provides protection for your family with a life cover and gives you tax benefits. There are guaranteed Accrual additions if you stay invested for 9 years or longer. The plan also provides complete flexibility in terms of choosing the policy term and premium paying term to suit your requirements.

UIN No: 147N031V01

Let's look at the case of Siddharth.


    Harshal believes in living a modest and careful life. He manages to save a decent amount of his salary but is always weary of investing it in the stock market. Harshal is not very fond of taking risks but still wants to find a way to <b> invest his savings to help them grow.</b> He understands the importance of saving for the future.

    Harshal believes in living a modest and careful life. He manages to save a decent amount of his salary but is always weary of investing it in the stock market. Harshal is not very fond of taking risks but still wants to find a way to invest his savings to help them grow. He understands the importance of saving for the future.

    After searching the internet a bit he came across Edelweiss Tokio Life Insurance and their guaranteed returns plan, <b>GCAP.</b> A plan that provides <b>guaranteed benefits upfront.</b> Harhsal has found a plan that meets his risk appetite and knows the exact amount he will receive at the end of the policy term and can thus plan his future accordingly.

    After searching the internet a bit he came across Edelweiss Tokio Life Insurance and their guaranteed returns plan, GCAP. A plan that provides guaranteed benefits upfront. Harhsal has found a plan that meets his risk appetite and knows the exact amount he will receive at the end of the policy term and can thus plan his future accordingly.

    With GCAP, Harshal can put his <b>monthly savings to good use.</b> He need not worry about market fluctuations or change in interest rate. All this with tax free returns</b> under section 10(10D) and tax benefit on premium payment under section 80C.

    With GCAP, Harshal can put his monthly savings to good use. He need not worry about market fluctuations or change in interest rate. All this with tax free returns under section 10(10D) and tax benefit on premium payment under section 80C.

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Benefits so good, they have to be true!

Guaranteed Returns

Guaranteed Returns

Returns are calculated basis the age, policy term and policy paying term and gender of the life assured.

Guaranteed Returns

Returns are guaranteed upfront.

Guaranteed Returns

Guaranteed Returns

Returns are calculated basis the age, policy term and policy paying term and gender of the life assured.

Accrual Additions

Guaranteed Accrual Additions from 9th policy year.

Accrual Additions

Accrual Additions

The amount of Guaranteed Accrual Additions depends on annualized premium, policy term, premium paying term, entry age and the gender of the life assured.

Life Cover Along with saving for the future, you also get to protect your family with a life cover.

In case of the demise of Life Insured while the Policy is in-force, the nominee will get the Death Benefit.

Affordable Premiums

Premium starts at just ¿1500 per month making it an affordable plan for everyone.

Affordable Premiums

Affordable Premiums

While the premium starts at ¿1500 per month, it is advisable to choose a higher premium to enjoy additional benefits and higher returns

Tax Benefits

Get tax exemptions on your premiums and maturity amount.

Tax Benefits

Tax Benefits

Premiums are exempt from tax under section 80(C) and the maturity amount is exempt from tax under section 10(10D) of the Income Tax Act, 1961. Tax benefits are subject to changes in the tax laws.

Waiver of Premium

With this rider, you get the option to stop paying premiums, if diagnosed with any one of the 12 listed critical illnesses.

Waiver of Premium

Waiver of Premium

This rider needs to be selected since inception. On survival after 30 days, of being diagnosed by a critical illness, all the future payments to be made are waived off and the benefits of the policy continue the same way.

Protection Against Critical Illnesses

On diagnosis of 12 critical illnesses, get a lump sum to manage your medical expenses.

Protection Against Critical Illnesses

Protection Against Critical Illnesses

In the event the life insured is diagnosed to be suffering from any one of the enlisted 12 critical illnesses, including cancer, heart disease and kidney ailments, we will pay 100% of the rider sum assured on the survival of 30 days following the date of confirmed diagnosis.

Loan Facility

This plan allows you to get a loan against the guaranteed maturity benefit for urgent or unforeseen needs.

Loan Facility

Loan Facility

Policy loan is available once policy acquires surrender value. Maximum loan amount available is 90% of surrender value offered by the Company. Interest will be charged on the outstanding loan amount at a rate declared by the Company from time to time based on then prevailing market conditions and will be equal to “SBI Base rate (minimum rate at which SBI lends) + 1.75%” per annum.

Flexibility

GCAP comes with a flexible policy term and premium paying term to suit your requirements.

Flexibility

Flexibility

You can choose a Policy Term of 10, 15, 20, 25 or 30 years and a Premium Paying Term of 5, 7, 10 or 12 years.

Check if you are eligible for this product

Here are the rules! Ask us if any doubts.

What is the minimum and maximum policy term?
The minimum and maxi...

 The minimum and maximum policy terms 10, 15, 20, 25 and 30 Years 

What is the minimum and maximum maturity age?
The minimum and maxi...

Maturity age (as on last birthday)

Minimum : 18 years

Maximum : 70 years

What is the sum assured on maturity?
The sum assured...

Cumulative annualized premium =  annualized premium X premium paying term 

What is the sum assured on death?
The sum assured on death...

The sum assured on death is

Minimum: Rs 1,65,000

Maximum: no limit 

What is the premium paying term?
The premium paying term...

 The premium paying terms are 5, 7, 10 and 12 years 

What is the minimum and maximum entry age?
The minimum and maxi...

(as on last birthday)

Minimum : 91 days

Maximum : 55 years

What is the premium paying frequency?
The premium paying freq...

The premium paying frequencies are Annual, semi-annual, quarterly, monthly 

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