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Reasons Why This Plan Is A Guaranteed¹ Hit! 

  • Income bhi, Life Cover bhi

    Good things always come in pairs! Get dual benefits of life insurance and income generation in one plan.

  • Customize with 4 Plan Options

    Achieve your financial goals with 4 plan options – Lump Sum, Short Term Income, Long Term Income and Retirement Income

  • Guaranteed¹ Returns

    No surprises here! Get guaranteed¹ income even in uncertain times, to secure your future financial needs.

  • One with the Contingency Plan

    Family Income Benefit option ensures no compromise on your dreams in case of an unforeseen event like Critical illness or Death

Benefits of Premier Guaranteed Income

4 Plan Options

Option 1 – Lump sum

  • Helps create a guaranteed¹ corpus for future. 
  • Maturity Benefit is guaranteed¹. 
  • Choose the Policy Term option available corresponding to the Premium Paying Term. 
  • Premium Paying Term (PPT) options available (in years) – 5 | 8 | 10 | 12. 
  • Policy Term (PT) options corresponding to the PPT above (in years) - 10,15,20 | 10,15,20 | 12,15,20 | 15,20
  • Income Benefit Pay-out not applicable. 
  • Critical Illness Benefit Option available with Family Income Benefit. 

Option 2 – Short Term Income

  • Helps create regular income for short term 
  • Maturity Benefit not applicable. 
  • Income Benefit Payout - a regular stream of income will be payable post 2 years of completion of PPT 
  • Choose the Policy Term option available corresponding to the Premium Paying Term 
  • Premium Paying Term (PPT) options available (in years) – 8 | 10 | 12 
  • Policy Term (PT) options corresponding to the PPT above (in years) – 18 | 22 | 26. This includes the Income Payout duration. 
  • Critical Illness Benefit Option available with Family Income Benefit. 

Option 3 – Long Term Income

  • Helps create regular income for long term 
  • Maturity Benefit applicable if Lump sum benefit opted 
  • Income Benefit Payout - a regular stream of income will be payable post 2 years of completion of PPT. 
  • Choose the Policy Term option available corresponding to the Premium Paying Term 
  • Premium Paying Term (PPT) options available (in years) – 5 | 8 | 10 | 12 
  • Policy Term (PT) options corresponding to the PPT above (in years) – 22,27,32,37 | 25,30,35,40 | 27,32,37,42 | 29,34,39 .  This includes the Income Payout duration. 
  • Critical Illness Benefit Option available with Family Income Benefit.
     

Option 4 – Retirement

  • Helps create regular income for retirement.
  • Maturity Benefit applicable on survival. 
  • Income Benefit Payout - a regular stream of income will be payable post 2 years of completion of PPT for 20 years. 
  • Choose the Policy Term option available corresponding to the Premium Paying Term. 
  • Premium Paying Term (PPT) options available (in years) – 5 | 8 | 10 | 12 
  • Policy Term (PT) is 80 minus entry age. This includes the Income Payout duration. 
  • Critical Illness Benefit Option available with Family Income Benefit. 

Choice of 6 Riders⁹

  • 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.


  • 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.


  • Critical Illness Rider

    In case you are diagnosed with one of 12 listed critical illnesses, this optional benefit will provide you 100% of the Rider Sum Assured after 30 days of diagnosis.


  • 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 and the policy continues for the life insured.


  • Hospital Cash Benefit

    This rider gives a daily allowance in case you are hospitalized for any necessary treatment of an illness or injury.


Get Guaranteed¹ Income in just 4 steps!

1

Pick the Basics

  • Select your plan option
  • Choose the amount you want to start saving
  • Choose your policy term, premium paying term & frequency (Note-Sum Assured on Death and Sum Assured on Maturity will be determined based on the above inputs plus your age & gender)
2

Customize Your Plan

  • Opt for Family Income Benefit on Critical illness or Family Income Benefit on Critical illness & Death
  • This can be opted for at policy inception only
3

Enhance Your Plan

  • Choose from six riders
  • Get enhanced protection with the rider(s) selected
4

Sit Back and Relax

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

More Products You’d Love to Explore

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Reasons Why You’re Bound To Love Us Back

Asia's Best Insurance Company

Asia's Best Insurance Company Award for CSR Activity & Digital Sales Channel^¹

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

Here's Why Our Customers Adore Us

Look at what people had to say about our services

Our customers say
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Fire Away Queries

Like teachers say, there are no silly questions

Why should I invest in a guaranteed¹ income plan?

A plan that offers guaranteed¹ returns ensures that you have a source of income, no matter the circumstances. This plan caters to your need for stable wealth accumulation, along with providing protection for your family and giving tax³ benefits. With these benefits, you can ensure your achievement of future goals, whether it be a happy retirement or paying for your child’s education

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What should I opt for Edelweiss Tokio Life Premier Guaranteed¹ Income plan?

Edelweiss Tokio Life – Premier Guaranteed Income is a life insurance plan designed to provide a protection to your family from any financial loss in case of an untimely death or diagnosis of covered Critical Illness, and also offers a guaranteed¹ regular income and / or guaranteed¹ lump sum to you and your family, provided all due premiums are paid. It has four plan options to help you customize the plan as per your requirement.

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What goals can I meet with this plan?

You may want an early retirement which can be enjoyed in style with regular guaranteed¹ income, or it could be an international education course for your child. It would be ideal to invest in a plan which helps you accumulate wealth / generate income via guaranteed returns to achieve these goals, even in your absence.

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Are all the benefits guaranteed¹?

Yes, all the benefits in this plan are guaranteed¹.

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Is the Life Cover available throughout the policy term?

Life Cover is available throughout the policy term, provided all premiums are paid and the policy is in-force. 

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How many plan options are available?

This plan offers 4 plan options to choose from – Lump sum, Short term Income, Long Term Income & Retirement Income, basis your life goals. You could want an early retirement that you could enjoy in style with regular guaranteed income through the Retirement Income option, or you could gift your child a regular higher education tuition fees through Short Term Income option or Long Term Income option, or it could be an international education course for your child for which you may need a lump sum guaranteed¹ payout.

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Are there any additional benefits available?

With all Plan Options, there is an additional optional benefit of Family Income Benefits. This benefit ensures that in case of an unfortunate event of death or diagnosis of covered Critical Illness of the Life Insured, you and your loved ones don’t have to compromise on your dreams as you/they will continue to receive benefit. There are two options available under the Family Income Benefits - Family Income Benefits on Critical Illness and Family Income Benefits on Critical Illness and Death.

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What is the Premium Paying Term (PPT) for this plan?

For all plan options, the Premium Paying Term (PPT) options are 5, 8, 10 & 12.

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What is the Policy Term for this plan?

The policy term for this plan depends on the plan option selected -

 

Lump Sum

For 5 PPT: 10, 15 & 20 For 8 PPT: 10, 15 & 20 For 10 PPT: 12, 15 & 20 For 12 PPT: 15 & 20

Short Term Income

For 8 PPT: 18 For 10 PPT: 22 For 12 PPT: 26

Long Term Income

For 5 PPT: 22, 27, 32 & 37 For 8 PPT: 25, 30, 35 & 40 For 10 PPT: 27, 32, 37 & 42 For 12 PPT: 29, 34 & 39

Retirement Income

80 minus entry age

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What is a Rider?

A rider is an additional benefit that you can opt for, to enhance your plan. These are available at a nominal extra cost.

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Are there any Riders available?

Following are the riders available with this plan:

●        Edelweiss Tokio Life - Accidental Death Benefit Rider

●        Edelweiss Tokio Life - Accidental Total and Permanent Disability Rider

●        Edelweiss Tokio Life - Critical Illness Rider

●        Edelweiss Tokio Life - Waiver of Premium Rider

●        Edelweiss Tokio Life - Payor Waiver Benefit Rider

●        Edelweiss Tokio Life - Income Benefit Rider 

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Can I get a loan through this plan?

Yes, you can get a policy loan once policy acquires surrender value. Policy loan is subject to terms & conditions of the product. Refer product sales brochure for more details.

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What is the free look period of this policy?

You have a period of 15 days from the date of the receipt of the policy document. Policies sold through Distance Marketing & electronic policies 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 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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Do I get any Grace Period?

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

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Additional Resources

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

^ Get your spouse covered with the Better Half Benefit Option

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- Discount for large Sum Assured is available depending on the Sum Assured, policy term and premium paying term.

5 - If declared, Cash Bonus is a non-guaranteed bonus which may be payable based on the performance of the participating fund of the Company.

9- Riders are Optional and available at extra cost.

 

^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/

 

 

Edelweiss Tokio Life – Premier Guaranteed Income is only the name of an 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. The tax benefits under this Policy may be available as per the prevailing Income Tax laws in India. 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: 147N072V01.

 

The Non-Linked Insurance Products do not in any way indicate the quality of the contract, 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. 


Edelweiss Tokio Life – Total Protect Plus is only the name of A Non-Linked, Non-Participating, Individual, Pure Risk Premium/Savings, Life Insurance Product. UIN: 147N071V01 

Edelweiss Tokio Life – Zindagi Plus is only the name of a Non-Linked, Non-Participating Individual, Pure Risk Premium, Life Insurance Product. UIN: 147N056V04

Edelweiss Tokio Life – Simply Protect is only the name of an Individual, Non-Linked, Non-Par, Pure Risk Premium, Life Insurance Product. UIN: 147N035V02

Edelweiss Tokio Life – Saral Jeevan Bima is only the name of a non-linked, non- participating, individual pure risk premium, life insurance plan. UIN: 147N069V01 

 

Edelweiss Tokio Life – Premier Guaranteed Income is only the name of an Individual, Non-Linked, Non-Participating, Savings, Life Insurance Product. UIN: 147N072V01

Edelweiss Tokio Life - GCAP is only the name of the Individual, Non-Linked, Non-Par, Savings, Life Insurance Product. UIN: 147N031V02

Edelweiss Tokio Life – Active Income Plan is only the name of the Individual, Non-Linked, Par, Savings, Life Insurance Product. UIN: 147N065V01

Edelweiss Tokio Life – Income Builder is only the name of the Individual, Non-Linked, Non-Par, Savings, Life Insurance Product. UIN: 147N057V02

Edelweiss Tokio Life – Single Pay Endowment Assurance Plan is only the name of the Individual, Non-Linked, Non-Par, Savings, Life Insurance Product.  UIN: 147N018V03

Edelweiss Tokio Life - POS SARAL NIVESH  is only the name of the Individual, Non-Linked, Non-Par, Savings, Life Insurance Product. UIN: 147N038V02

Edelweiss Tokio Life – Dhan Labh is only the name of an Individual, Non-Linked, Non-Par, Savings, Life Insurance Product. UIN: 147N033V02

Edelweiss Tokio Life – Smart Lifestyle is only the name of the Individual, Non-Linked, Par, Savings, Life Insurance Product. UIN: 147N040V02

 

Edelweiss Tokio Life – Immediate Annuity Plan is only the name of the Individual, Non-Linked, Non-Par, Pure Risk Premium, General Annuity Product. UIN: 147N019V02

Edelweiss Tokio Life – Cashflow Protection Plus is only the name of the Individual, Non-Linked, Par, Savings, Life Insurance Product. UIN: 147N028V02

Edelweiss Tokio Life – Forever Pension is only the name of a Non-Linked, Non-Participating Single Premium Individual General Annuity Plan. UIN:147N068V01

Edelweiss Tokio Life - Saral Pension is only the name of a Non-Linked Non-Participating Individual Immediate Annuity Plan. UIN:1147N070V01

 

Edelweiss Tokio Life – CritiCare+ is only the name of the non participating non linked critical illness plan and does not in any way indicate the quality of the plan, its future prospects, or returns. UIN: 147N030V02

Edelweiss Tokio Life – COVID Shield+ is only the name of a Non-Linked, Non Participating Individual, Pure Risk Premium, Life Insurance Product. UIN: 147N067V01

 

Edelweiss Tokio Life - Pradhan Mantri Jeevan Jyoti Bima Yojana is only the name of the Group, nonparticipating, non-linked yearly renewable group term insurance plan and does not in any way indicate the quality of the contract, its future prospects, or returns. UIN: 147G039V01

Edelweiss Tokio Life - Group Life Protection is only the name of a Group, Non-Linked, Non-Par, Life, Pure Risk Premium One Year Renewable Insurance Product. UIN: 147N008V05

Edelweiss Tokio Life – Group Employee Benefit Plus is only the name of a Group, Non-Linked, Non-Par, Savings, Life Insurance Fund based Product with yearly renewable policy term and does not in any way indicate the quality of the plan, its future prospects or returns. UIN: 147N064V01

Edelweiss Tokio Life – Group Credit Protection is only the name of a Group, Non-Linked, Non-Par, Pure Risk Premium, Life, Credit Insurance Product. UIN: 147N002V03

Edelweiss Tokio Life – Group Total Secure is only the name of a Group, Non-Linked, Non-Par, Pure Risk Premium, Life, Credit Insurance Product. UIN: 147N059V02

 

Edelweiss Tokio Life – Jan Suraksha is only the name of a Group, Non-Linked, Non-Par, Pure Risk Premium, Life, Micro Insurance Product.  UIN: 147N058V02

Edelweiss Tokio Life - Raksha Kavach (Micro Insurance Plan) is only the name of an Individual, Non-Linked, Non-Par, Pure Risk Premium, Life, Micro Insurance Product and does not in any way indicate the quality of the contract, its future prospects, or returns. UIN: 147N012V02

 

 


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. These plans do 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. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.

Edelweiss Tokio Life – Wealth Secure+ is the name of the Unit Linked, Non-Participating, Individual, Life Insurance Plan. UIN: 147L062V01

Edelweiss Tokio Life – Wealth Plus is the name of a Unit Linked, Non-Participating, Individual, Life Insurance Plan. UIN: 147L055V03

Edelweiss Tokio Life – Wealth Gain+ is the name of a Unit Linked, Non-Participating, Individual, Life Insurance Plan. UIN: 147L061V02

Edelweiss Tokio Life – Wealth Ultima is the name of a Unit Linked, Non-Participating, Individual, Life Insurance Plan. UIN: 147L037V02

Edelweiss Tokio Life – Wealth Premier is the name of a Unit Linked, Non-Participating, Individual, Life Insurance Plan. UIN: 147L066V01

Edelweiss Tokio Life – Easy Pension is the name of A Unit-Linked, Non-Participating, Individual, Pension Product. UIN: 147L034V02

Edelweiss Tokio Life - Group Wealth Accumulation is  the name of the non-participating, unit linked group life insurance contract. UIN: 147L014V02

 

ARN NO: WP/1886/Sep/2021

 

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