IN THIS POLICY, INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER

Market-linked Returns to Maximize Your Savings and Fulfil Life Goals

Presenting, ULIPs by Edelweiss Tokio Life Insurance

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  • Life Cover till Age 100
  • Choice of 7 Funds to Suit Your Risk Appetite
  • Unlimited Free Switches and Premium Redirections
  • NIL Premium allocation charges
  • Systematic withdrawals at no extra cost

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Multiply Your Wealth with Unit-Linked Insurance Plans

 

Invest in an Edelweiss Tokio Life ULIP plan to gain market-linked returns and life cover, which help you amplify your savings for the future and secure your loved ones, respectively. With a ULIP, your investment is diversified in the open market, and the returns are incidental to the market performance, thereby helping you generate higher maturity benefits in the long run.

Reasons why you'll love this plan

Affordable Savings
Start small to win big! All you need is Rs.1000 p.m. to take your step towards savings and secure your goals.
5-year Policy Term Option
Invest in a new generation ULIP, which offers the option of a policy term as low as 5 years.
Free Partial Withdrawal
After the 5th policy year, you have the option to withdraw a part of your fund value to meet any unforeseen financial requirement, free of cost.
Fund Additions
Add more to your savings through additional allocations throughout the policy term – Loyalty Additions, Booster Additions & Maturity Additions.
With Your Loved Ones, Always
Protect your family’s future with a life cover till you turn age 100 and option to include spouse & child in it as you sail through different life stages.
Tax Benefits
Save taxes upto Rs. 46,800 with premiums paid under section 80(C) and on the maturity benefit received under section 10(10D).

Buying an Online Policy Was Never So Easy

Online purchase is quick and allows you to understand the benefits of the policy even better.

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From multiple offerings based on your requirement, select the one that suits your needs.
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Based on your basic details, we recommend an investment amount and a plan which you have complete control to change.
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We will assist you to fill the proposal form and help you submit documents for issuance of policy.

A Plan Designed for Your Child's Future

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Edelweiss Tokio Life – Wealth Secure+,

Monthly premium ₹5,000 for 10 years with policy term 10 years

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32-year old Rahul works in an MNC and is the breadwinner of his family. He recently became a father and aspires to offer the best education for his daughter. Rahul wants to start saving so that her education is not compromised. He invests ₹ 10,000 per month in Edelweiss Tokio Life – Wealth Secure+ to accumulate wealth for his daughter’s higher education.

Edelweiss Tokio Life – Wealth Secure+,

Monthly premium ₹10,000 for 20 years with policy term 20 years

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The mortality charges deducted during entire policy term are added back to your fund value in maturity.This is an illustrative example.

Awards and Recognition

ASIA'S BEST INSURANCE COMPANY AWARD*¹
Edelweiss Tokio Life won 'Asia's Best insurance Company Award' for Digital Sales Channel at Insurance Alerts Awards 2020.
ASIA'S BEST INSURANCE COMPANY AWARD*¹
Edelweiss Tokio Life won 'Asia's Best insurance Company Award' for Digital Sales Channel at Insurance Alerts Awards 2020.

Awards and Recognition

ASIA'S BEST INSURANCE COMPANY AWARD*¹
Edelweiss Tokio Life won 'Asia's Best insurance Company Award' for Digital Sales Channel at Insurance Alerts Awards 2020.
ASIA'S BEST INSURANCE COMPANY AWARD*¹
Edelweiss Tokio Life won 'Asia's Best insurance Company Award' for Digital Sales Channel at Insurance Alerts Awards 2020.

Need expert advice?

Fire Away Queries

Like teachers say, there are no silly questions

What are the different plan options available?

The different Plan Options of Edelweiss Tokio Life – Total Protect Plus, are as follows:

 

1. Life Cover Option - Get Total Security for your loved ones till 100 years of age

2. Return of Premium Option - Get return of premium upon survival of policy maturation

3. Live Long Option - Get Income Pay-outs at your preferred age and chosen rate

 

In addition, you also have the option to choose the following Additional Benefits.

 

1. Child’s Future Protect Benefit - Get an additional sum assured in the same plan, that secures your child’s dreams

2. Better Half Benefit - Get additional cover for your spouse in the same plan, that gives them financial assistance when you’re not around

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What is the Better Half Benefit option?

This Additional Benefit provides cover for the Spouse of the Life insured only after the death of the Life Insured. This benefit gets triggered on the death of the Life Insured. This Additional Benefit is available only if the Base Sum Assured is greater than or equal to Rs. 50,00,000.

 

The minimum and maximum entry age for Spouse will be 18 years and 65 years (age last birthday) respectively. The coverage term for this Additional Benefit will be equal to lower of the Policy Term or (85 less Entry Age of the Spouse) or (85 less Entry Age of the Life Insured).

 

Life cover will commence on the life of your spouse with Better Half Benefit sum assured and will continue for the remaining policy term or till the period your Spouse attains age 85 years (age last birthday) or till the period Life Assured would have attained age 85 years (age last birthday), whichever is lower. ‘Better Half Benefit’ Sum Assured is 50% of the Base Sum Assured, subject to maximum of Rs. 1 crore. This benefit will be paid as per the Death Benefit Payment mode selected by you.

 

Some compulsory criteria to opt for this benefit:

●        You should be married

●        The age difference between you and your spouse is less than or equal to 10 years 

●        The policy is accepted at standard rates at policy issuance

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What is the Child Future Protect Benefit?

Under this additional benefit, you can secure your child’s future by increasing the base sum assured with an Additional Sum Assured. This amount could range between 10% to 100% of your Base Sum Assured, in multiples of 10%. This benefit will be available only during the Child Coverage Term, which is equal to ‘25 minus Child’s Age (age last birthday) at the inception of the policy.

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Does this plan cover COVID-19 claims?

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

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What are the Death Benefit payout options available?

Payout options for the Death Benefit need to be decided during the inception of the plan. The payout is available in three modes, which as as follows:

●        Lumpsum - Entire payout available in one go

●        Monthly Income - A percentage of Death Benefit will be payable every month for the fixed number of months

●        Lumpsum plus Monthly Income - Some portion of the payout is received at once, the rest is dispensed in the form of regular installments.

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What is the minimum and maximum sum assured?

In case you have chosen the Life Cover Option, the minimum sum assured applicable is Rs. 25,00,000. For the Return of Premium Option, the minimum  sum assured applicable is Rs. 10,00,000 and with the Live Long Option, the minimum sum assured applicable is Rs. 25,00,000.

For maximum sum assured, there is no upper limit on the base sum assured, as it is subject to Board Approved Underwriting Policy.

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What is the minimum and maximum age of the spouse to opt for the Better Half Benefit option?

The minimum age of your spouse should be 18 years, and maximum is 65 years, to avail the Better Half Benefit option.

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What is the minimum and maximum policy term?

For 5 Pay, 7 Pay and Regular Pay options, the minimum policy term is 10 years. For 10 Pay, 15 Pay and 20 Pay, it is 15, 20 and 25 respectively.

 

In case you have opted for the Live Long Option, for 5 Pay, 7 Pay, 10 Pay & 15 Pay, the minimum policy term is 20 years. For 20 Pay, the minimum policy term is 25 years.

 

The maximum policy term is 100 years less age at entry, for any plan option selected.

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What is the minimum premium amount and different payment frequencies?

For all plan variants, the minimum Annual premium amount is Rs. 3,000. For the Semi - Annual payment, the minimum premium amount is Rs. 2,000. The minimum Quarterly premium payment is Rs. 1,250 and the same for Monthly premium is Rs. 300. 

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What is the minimum and maximum maturity age?

The minimum maturity age is 28 years for Life Cover & Return of Premium options. In case you have chosen the Live Long Option, the minimum maturity age for your plan to mature, will either be 70 years or 75 years. The maximum maturity age for all plan variants is 100 years. All these ages are as per last birthday.

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What is the minimum and maximum entry age?

Similar to other term insurance plans,  the minimum age to avail this policy is 18 years. The maximum age at which you can avail it, depends on the type of benefits you are opting for. Thus, the maximum age at which you can get this policy is as follows:

●        Life Cover Option with Limited Pay- 65 yrs.

●        Life Cover Option with Regular Pay - 55 yrs.

●        Return of Premium Option with Limited Pay - 60 yrs.

●        Return of Premium Option with Regular Pay - 50 yrs.

●        Live Long Option with Income Pay-out at 60 yrs - 50 yrs

●        Live Long Option with Income Pay-out at 65 yrs - 55 yrs.

 

For underwriting status non-medical, the maximum entry age is 55 or as mentioned above

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Are there any exclusions to this plan?

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 Nominee or the Beneficiary you have chosen shall be entitled to at least 80% of the total Premiums paid, provided the Policy is in force.

 

In case you have opted for Better Half Benefit, the following exclusions are applicable:

 

1. If your Spouse dies before you, this benefit will not be applicable.

 

2. In the event of simultaneous death of you and your Spouse, Better Half Benefit is not applicable.

 

3. Post death of the Life Assured, in case of death of Spouse due to suicide within 12 months from the date of commencement of risk under the policy or from the date of revival of the policy, as applicable, the nominee or beneficiary shall receive at least 80% of the total of ‘Better Half Benefit’ premiums paid till the date of death, provided the policy is in force.

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What is the free look period of this policy?

The free look period offered is 15 days from the date of receiving your policy. For policies sold through distance marketing (where distance mode means sale of insurance products through any means of communication other than in person), the free look period is 30 days.

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