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GCAP - Investment Plan

A plan that provides guaranteed returns with accrual additions, tax benefit and loan facility to meet any unforeseen requirement.

Edelweiss Tokio Life – GCAP is a guaranteed return plan catering to the need of wealth accumulation. It provides guaranteed accrual additions so that you maximize the wealth you generate and enjoy the best possible.

UIN No: 147N031V01

Lets look at the case of Harshal.


    Harshal believes in living a frills-free life. Most of his salary is spent on parties and movies. After rent, groceries and conveyance expenses, he barely manages to send some money home to his parents. His parents are concerned with his spending habits and wish that Harshal understands the importance of saving for the future.

    After suffering a cash crunch, he once asked for money from his dad. His father realized that things it was about time he took matters into his own hands and ask Harshal to start saving regularly. Knowing his son's state, he suggested him to buy an endowment insurance plan which would not only protect his future family's financial future, but also act as a sound investment instrument with guaranteed returns.

    Harshal was amazed on discovering the dual benefit of this plan and was genuinely impressed by the returns. With careful consideration, he decided to invest in Edelweiss Tokio Life – GCAP He believed this was the best alternative that still left him with enough to maintain his lifestyle, albeit with small adjustments.

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Benefits so good, they have to be true!

Death Benefit

Death Benefit

On death of the Life Assured during the policy term sum assured with guaranteed accrual additions will be paid.

Guaranteed accrual additions are calculated as a specific percentage of total annualized premiums paid.

Death Benefit

On death of the Life Assured during the policy term sum assured is paid out along with other additions

Death Benefit

Death Benefit

On death of the Life Assured during the policy term sum assured with guaranteed accrual additions will be paid.

Guaranteed accrual additions are calculated as a specific percentage of total annualized premiums paid.

Accrual Additions

The amount of GAA depends on annualized premium, policy term, premium paying term, entry age and the gender of the life assured

Accrual Additions

Accrual Additions

The amount of GAA depends on annualized premium, policy term, premium paying term, entry age and the gender of the life assured. The GAA is accrued every year, starting from the 9th policy year till maturity, at the beginning of the year. The cumulative GAA is payable on death or maturity.

Maturity Benefit

Maturity benefit is paid out on completion of policy term

Maturity Benefit

Maturity Benefit

On survival of the life assured till maturity, sum assured on maturity with cumulative guaranteed accrual additions & large premium benefit is paid out.

Tax Benefits

Under Section 80C and Section 10 (10D)

Tax Benefits

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.

Flexible Premium Paying Term

GCAP comes with flexible Premium Paying Term (PPT)

Flexible Premium Paying Term

Flexible Premium Paying Term

In GCAP you will get flexible Premium paying terms such as 5, 7, 10 or  even 12 years

Check if you are eligible for this product

Here are the rules! Ask us if any doubts.

What is the sum assured on death?
The sum assured on death...

The sum assured on death is

Minimum: Rs 1,65,000

Maximum: no limit 

What is the minimum and maximum maturity age?
The minimum and maxi...

Maturity age (as on last birthday)

Minimum : 18 years

Maximum : 70 years

What is the sum assured on maturity?
The sum assured...

Cumulative annualized premium =  annualized premium X premium paying term 

What is the premium paying term?
The premium paying term...

 The premium paying terms are 5, 7, 10 and 12 years 

What is the minimum and maximum policy term?
The minimum and maxi...

 The minimum and maximum policy terms 10, 15, 20, 25 and 30 Years 

What is the minimum and maximum entry age?
The minimum and maxi...

(as on last birthday)

Minimum : 91 days

Maximum : 55 years

What is the premium paying frequency?
The premium paying freq...

The premium paying frequencies are Annual, semi-annual, quarterly, monthly 

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