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Fulfillment Of Your Goals, Guaranteed.¹

With Edelweiss Tokio Life POS Saral Nivesh, get dual benefits of
protection and savings that ensures that you lead a secured and
peaceful life with complete certainty!

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POS Saral Nivesh brouchure

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A Multiple of single/annualized premium as life cover at all time during policy tenure
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Product Brochure
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Sample Contract
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Rate Table
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Reasons Why This Plan Is A Guaranteed¹ Success

Reasons Why This Plan Is A Guaranteed¹ Success

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No Surprises Here!

This plan has the advantage of letting you know exactly what kind of returns you get upon investing.

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Limited Pay Plan

You can complete all your premium payments in 5, 7, 10 or 12 years and enjoy your plan benefits until 65 years.

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For unforeseen times

You have the option to avail a loan² on your policy to deal with any unexpected emergencies.

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Discounts⁴ up to 13%

Get discounts⁴ up to 13% when you opt for a higher Sum Assured.

Benefits of POS Saral Nivesh

Benefits of POS Saral Nivesh

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No surprises here! With Edelweiss Tokio Life POS Saral Nivesh, get guaranteed¹ benefits on your investment. The advantage with this plan is that you know exactly how much you’re getting out of it, so you can plan your future goals accordingly

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Those who aim higher get better rewards! When you opt for a higher Sum Assured, we reward you with discounts, ranging from 3% to 13%

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Don’t spend your retirement paying off premiums! With the Limited Pay Option, you can complete all of your premium payments in 5, 7, 10 or 12 years (depending on your policy term) and enjoy your benefits till the end of the policy term, up to 65 years.  

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Let’s make things simple! This plan is designed to help you make an informed decision through an uncomplicated process. This is why you can plan your future needs in just a few steps

Simplified-Purchase

Don’t let financial trouble stop you from your goals!We want you to live your zindagi unlimited, even if you need a little support to do it. That is why this plan offers you the choice to avail a loan² for urgent need of cash flow.

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No deductions, no worries! That is why the premiums you pay are eligible for deductions under section 80(C) and the returns you get from it are exempt from taxes under section 10(10D)

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Only 4 Steps Are Needed For You To Get This Plan!

Only 4 Steps Are Needed For You To Get This Plan!

1

Start Making Decisions

  • Conduct Need Analysis
  • Choose your Premium Amoun
2

Choose Your Terms

  • Select your Policy Term
  • Select your Premium Paying Term
3

Select what is best for you

  • Choose guaranteed maturity benefits
  • Choose a higher sum assured to get a discount⁴
4

Sit Back and Relax

  • Submit the requested documents
  • Let us verify your details so you can start getting guaranteed¹ benefits!

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

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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

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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

BUY NOW

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Reasons Why You’re Bound to Love Us Back

Reasons Why You’re Bound to Love Us Back

zindagi-unlimited

We want our customers to be financially secured and enable them to achieve their financial goals.

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We have the expertise in making you grow your wealth.

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We constantly innovate our offerings to get better results to secure your future.

Here's Why Our Customers Adore Us

Here's Why Our Customers Adore Us

Look at what people had to say about our services
Our customers say
Good
4/5
based on 600 reviews

Asset Publisher

ETLICustomer

He was very much clear about the issue and the importance of it.. Thanks rohit

Anisha Shashidharan

(sr.associate)
ETLICustomer

Your customer support is doing excellent job.keep up the good work.

Nilesh Pawar

(manager)

FAQs Saral Nivesh

FAQs

Like teachers say, there are no silly questions

Why do I need a savings 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 family’s future is secured, even in uncertain times.

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This plan offers you dual benefits of protection and savings and ensures that you lead a secured and peaceful life with complete certainty. It helps you move systematically towards a secured future by offering you guaranteed benefits. It ensures your family is always financially protected in case of any unforeseen event.

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Whether it is taking care of your family’s future, saving for retirement or any other important milestone, Edelweiss Tokio Life POS Saral Nivesh will take care of all your financial goals with guaranteed returns. 

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

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A limited pay plan lets you pay your premiums in a shorter span, while you are still earning. This means that you don’t have the burden of premium payment in your later years and can enjoy a liability-free retired life. 

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 The minimum entry age is 1 year, and maximum entry age is 50 years.

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The minimum maturity age is 18 years and maximum maturity age is 65 years.

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The minimum policy term is 10 years and the maximum policy term is 20 years.

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You can pay your premiums for 5, 7, 10 or 12 years. You can choose the payment frequency as either annual or monthly.

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The minimum sum assured is ₹50,000 and the maximum sum assured is ₹25 lakhs.

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If you choose a higher Sum Assured on Maturity, we will offer you a discount on your premium amount.

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Yes, you can get a policy loan once policy acquires surrender value.

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Yes, this plan does come with a maturity benefit. At the end of your policy term, you will receive the Guaranteed Maturity Benefit provided all due premiums have been paid in full and the policy is in-force. Your Guaranteed Maturity Benefit is equal to the Sum Assured on Maturity.

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Yes, there is a free look 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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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 in-force.

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Grace period of 15 days, where you pay the Premium on a monthly basis, and 30 days in all other cases, is available.

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Dhan Labh any queries

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We are always there for you !

For queries, write to onlinesales@edelweisstokio.in

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0- Provided the premium paying term is more than or equal to 10 years.

1- This is applicable only if all due premiums are paid and the policy is inforce.

2- Policy loan are subject to terms & conditions of the product. Refer product brochure for more details.

3- As per provisions of Income Tax Act, 1961. Tax benefits are subject to changes in tax laws.

4- Subject to Term & Conditions. Please refer product brochure for more details

Edelweiss Tokio Life - POS SARAL NIVESH  is only the name of the Individual, Non-Linked, Non-Participating, 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 and terms and conditions, please read sales brochure carefully before concluding a sale.

IRDAI Reg. No.: 147. CIN: U66010MH2009PLC197336. UIN: 147N038V04.

ARN: WP/3439/Oct/2023