Wealth Secure Plus - Know Ulip Returns & Ulip Plan Charges

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Edelweiss Tokio Life - Wealth Secure+

Most of our future goals require planning in advance. With different milestones in life, our goals keep changing, but the one thing that remains constant is the need to save. You may want to buy your favourite car, plan for an early retirement or give your child a higher education abroad. For all these, you need savings.

Here’s why you should save with Edelweiss Tokio Life – Wealth Secure+ for your future goals:

  • ► Plan starts at just ₹1000 per month
  • ► Option to terminate plan after 5 years for short term needs
  • ► Option to continue plan for 99 years with whole life option

UIN 147L062V01


    25 year old Ajay had a clear goal to meet when he turned 30. He wanted to buy a house for himself and his future family. He wanted a plan that would help him with his short term goal and also save for the future. Edelweiss Tokio Life - Wealth Secure+ is a plan that gives him the flexibility of choosing a policy term from 5 to 99 years.

    25 year old Ajay had a clear goal to meet when he turned 30. He wanted to buy a house for himself and his future family. He wanted a plan that would help him with his short term goal and also save for the future. Edelweiss Tokio Life - Wealth Secure+ is a plan that gives him the flexibility of choosing a policy term from 5 to 99 years.

    Ajay is now 30, happily married and a proud home-owner. The financial security of his wife and their future family is his top most priority. He wants to ensure that both his and his wife’s life is adequately covered. With the Joint Life option, their future family will get the benefit of a double life cover.

    Ajay is now 30, happily married and a proud home-owner. The financial security of his wife and their future family is his top most priority. He wants to ensure that both his and his wife’s life is adequately covered. With the Joint Life option, their future family will get the benefit of a double life cover.

    Another 7-8 years down the line, Ajay and his wife have had a son. While his savings are going steady for short term needs, he has to start thinking long term. Retirement planning and his son’s higher education will require a large corpus of funds which he needs to start saving for right away. At this point, Ajay moves to the Child Joint Life Option that helps him save for all this long-term needs.

    Another 7-8 years down the line, Ajay and his wife have had a son. While his savings are going steady for short term needs, he has to start thinking long term. Retirement planning and his son’s higher education will require a large corpus of funds which he needs to start saving for right away. At this point, Ajay moves to the Child Joint Life Option that helps him save for all this long-term needs.

Check out our features

Benefits so good, they have to be true!

Protection throughout Lifetime

Protection throughout Lifetime

Choose from 3 different plan options based on different life events. 

  • Individual Option
  • Joint Life Option
  • Child Option 

 

- Individual Option: In this variant, the life cover is available on individual life.

- Joint Life Option: The life cover is available on joint life basis. This variant can be opted only if the policyholder is married whereby both the policyholder and his/her spouse are covered.

- Child Option: In case of unfortunate demise of the Policyholder, the policy shall continue and the child receives the Policy benefits as planned.

 

Protection throughout Lifetime

Choose from 3 different plan options based on different life events. 1) Individual Option 2) Joint Life Option 3) Child Option

Protection throughout Lifetime

Protection throughout Lifetime

Choose from 3 different plan options based on different life events. 

  • Individual Option
  • Joint Life Option
  • Child Option 

 

- Individual Option: In this variant, the life cover is available on individual life.

- Joint Life Option: The life cover is available on joint life basis. This variant can be opted only if the policyholder is married whereby both the policyholder and his/her spouse are covered.

- Child Option: In case of unfortunate demise of the Policyholder, the policy shall continue and the child receives the Policy benefits as planned.

 

Low Premium

Option to start your savings at just Rs.1,000 per month

Low Premium

Low Premium

Option to start your savings at just Rs. 1,000 per month 

You can start your savings even with Rs. 1,000 per month, provided the premium payment term is greater than or equal to 10.

Retirement Planning

Option of systematic withdrawal plan that can become a steady income, post retirement.

Retirement Planning

Retirement Planning

Edelweiss Tokio Life – Wealth Secure+ is a good option to save a corpus for your retired life. It provides you the option of systematic withdrawal plan that can become a steady income, post retirement.

With the Systematic Withdrawal Plan, you can withdraw a pre-decided percentage of fund value at the end of the chosen term. While opting for SWP, you need to choose the following:

1. Systematic Withdrawal percentage (% age of fund value) per annum,

2. Pay-out frequency (yearly, half-yearly, quarterly or monthly), and

3. Policy year from which the amount under SWP will be payable

 Systematic Withdrawal Plan option can be chosen at policy inception or anytime during the policy term.

Fund Additions

Get rewarded by staying invested for long term with loyalty, booster and maturity additions

Fund Additions

Fund Additions

Get rewarded by staying invested for long term with loyalty, booster and maturity additions

Loyalty Additions

A percentage of fund value will be added to your fund starting from the end of 6th policy year and applicable every year till the end of the premium paying term.

Booster Additions

A percentage of last 60 month’s average of daily fund value is added at the end of 10th policy year and every 5th policy year thereafter.

Maturity Addition

Maturity Addition, as a percentage of last 60 month’s average of daily fund value (excluding Top-up fund value) will be added at Maturity.

5 Pay 5 Stay Option

This plan offers the option to invest for five years and end the policy term in five years. This makes it a good tool for short-term investments.

5 Pay 5 Stay Option

5 Pay 5 Stay Option

This plan offers the option to invest for five years and end the policy term in five years. This makes it a good tool for short-term investments.

 

You may withdraw a part or the entirety of your Fund Value as per your liquidity requirements at any time after the completion of the fifth Policy Anniversary.

7 Fund Offerings

Option to choose from a bouquet of 7 funds with unlimited switches if opted for Self-Managed Strategy.

7 Fund Offerings

7 Fund Offerings

Option to choose from a bouquet of 7 funds with unlimited switches if opted for Self-Managed Strategy.

 

With Edelweiss Tokio Life – Wealth Secure+ you get the option of choosing from 7 diverse fund offerings that can help you build a diverse portfolio for wealth accumulation.

These include Equity Blue Chip and Gilt funds.

 

Why you should opt for Equity Blue Chip fund? 

- Your money is allocated with India’s leading and trusted companies

- It can help you build wealth, consistently for planned future goals

- Lesser volatility offered by Blue chip stocks

 

Why you should opt for a Gilt fund? 

- Helps provide moderate returns that come with tax benefits

- If you have a moderate risk appetite

- Minimizes the credit risk of the portfolio due to the nature of the investments made

Tax Benefits

Get tax exemptions on your premiums and maturity amount

Tax Benefits

Tax Benefits

Get tax exemptions on your premiums and maturity amount 

We all strive to save as much tax as we can. With Edelweiss Tokio Life - Wealth Secure+ your 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.

Check if you are eligible for this product

Here are the rules! Ask us if any doubts.

What is the minimum and maximum Annualized Premium of the Base variant?
The minimum and maxi...

For premium paying term less than 10 years

  • Minimum: Rs.24,000
  • Maximum: No limit

 

For premium paying term greater than or equal 10 years

  • Minimum: Rs.12,000
  • Maximum: No limit
What is the minimum and maximum premium paying term of the Base variant?
the minimum and maximum

In Regular Pay: Same as Policy term

In Limited Pay:

Base (Option 1):

  • Minimum: 5 years
  • Maximum: 24 years

 

Base (Option 2 – the whole life option)

  • Minimum: 5 years
  • Maximum: 99 years
What is the minimum and maximum Top up sum assured under this plan?
The minimum and maximum
The minimum and maximum sum assured is 1.25 times the Top up premium.
What is the minimum and maximum policy term of the Base variant?
the minimum and maximum

Base (Option 1):

  • Minimum: 5 years
  • Maximum: 25 years

 

Base (Option 2 – the whole life option)

  • Minimum: 40 years
  • Maximum: 100 years
What is the minimum and maximum maturity age in the Base variant?
the minimum and maximum

Base (Option 1):

  • Minimum: 18 years
  • Maximum: 70 years

 

Base (Option 2 – the whole life option)

  • Fixed: 100 years
What is the minimum and maximum entry age for the Base variant?
the minimum and maximum
  • Minimum: 0 years
  • Maximum: 50 years (in case of PPT < 10 years) and 60 years (in case of PPT >/= 10 years)
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