Edelweiss Tokio Life – Dhan Labh

Dhan Labh Endowment Insurance Policy Plan

  • 01 assured additions
  • 02 flexibility to pay premium
  • 03 loan facility

plan definition

A guaranteed returns, endowment plan that provides higher additional benefit for higher annualized premium. All your life you've worked hard to earn money. With Dhan Labh, see your money working hard for you and reap the benefits that wealth can give you. UIN No: 147N033V01

key features

1death benefit


On death of the Life Assured during the policy, company pays death benefit as Sum Assured on Death plus Accrued Assured Additions, if any

2maturity benefit


On survival of Life Assured till maturity, company pays maturity benefit as:

Sum Assured on Maturity(SAM) + Accrued Assured Additions

3tax benefits


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

Premium paid for Critical Illness Rider, if opted, may qualify for a deduction under Section 80D of the Income Tax Act, 1961.

Tax benefits are subject to change in the tax laws.


Riders can be added at the inception of the policy or at policy anniversary during the Policy Term subject to underwriting and terms and conditions of the riders and the product. Following riders are available with this plan.

additional resources

product brochure

download pdf

sample contract

download pdf

rate table

download pdf

product disclaimer


eligibility criteria

1 entry age (last birthday)

Minimum : 91 days

Maximum : 45 years

2 maximum maturity age (last birthday)

75 years

3 premium paying term

 7, 10 and 12 years 

4 sum assured

Higher of:

• 10 times of annualized premium*  OR

• sum assured on maturity OR

• 105% of total premiums paid (excluding any underwriting extras, rider premiums, service tax and cess, if any) till date of death

• any absolute amount^ assured to be paid on death 


As per Service Tax law, service tax and cess, if any will be separately levied on the premium.

^ any absolute amount assured to be paid on death will be equal to

  • 10 times of Annual Premium$ for 7 pay
  • 11 times of Annual premium$ for 10 pay
  • 13 times of Annual premium$ for 12 pay 

$ annual premium is the premium payable in a year, including modal loadings but excluding the underwriting extra premiums, rider premiums and taxes, if any.  



5 premium payment frequency

Annual, semi-annual, quarterly, monthly 

6 policy term

 15, 20, 25 and 30 Years 

returns against payment

Dhan Labh

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