a ULIP with

  • 01 high performing funds to invest in
  • 02 top-up facility to add to your investments
  • 03 facility to switch between funds

plan definition

An investment-cum-risk protection ULIP with tailor made solutions to match your wealth accumulation needs along with the facility to switch your accumulated investment from one fund to another at the opportune time. See your money work for you. An excellent tool to generate funds to meet all future goals like owning a house, luxury vacations etc. UIN No: 147L003V02

key features

1guaranteed maturity benefit


Fund value is payable on survival of life assured till the end of policy term. Policyholder also has the option to receive the maturity proceeds in lumpsum or in instalments.

2death benefit


On death of life assured during policy term, higher of below 3 is paid:

1) Sum Assured(including top up sum assured)less partial withdrawals

2) Fund value(including top up fund value)as on date of claim intimation

3) 105% of total premiums paid(including top up premiums) till the time of death

3fund switch facility


Policyholder can modify the existing asset allocation as per the changing risk appetite or to take advantage of the fluctuating markets.

4top-up facility


Top-Up facility to enable you to add more to your investments through a one-time contribution over and above your regular premiums.

5avail tax benefits


You can avail tax benefits under Section 80C and Section 10(10D) of Income Tax Act,1961.

Tax benefits are subject to change in the tax laws.

additional resources

product brochure

download pdf

sample contract

download pdf

rate table

download pdf

product disclaimer


customer testimonials

eligibility criteria

1 entry age (last birthday)

minimum : 5 years

maximum : 65 years

2 maturity age (last birthday)

minimum : 18 years

maximum : 75 years

3 policy term

10, 15, 20, 25 and 30 years

4 premium paying term

regular Premium: same as Policy Term

limited Premium: 5/ 7/ 10 years

5 sum assured

minimum : 

for entry age below 45 years - AP × Higher of (10, 0.5 × PT)

for entry age of 45 years and above - AP × Higher of (7, 0.25 × PT)

top-up: for age of entry

below 45 years: top-up premium × 1.25

for age of entry 45 years and above: top-up premium × 1.10 


regular and limited pay: for entry age below 45 years - AP × 25

for entry age 45 years and above - AP × 20

top-up: top-up premium × 5

6 premium payment frequency

monthly, quarterly, semi-annually or annually

7 basic premium

Minimum Rs. 25,000, if paid annually

Minimum Rs.18,000, if paid semi-annually

Minimum Rs.9,000, if paid quarterly

Minimum Rs.3500, if paid monthly

Minimum Rs. 5000, for Top-ups

Maximum: No limit

customer testimonials

returns against payment

Wealth Accumulation

A video you might be interested in

customer testimonials

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protection at affordable rates

life & basic health cover

term plan with protection aganist 7 critical illnesses

life & comprehensive health cover

recommended term plan with protection aganist 35 critical illnesses

* annual premium inclusive of taxes

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