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Unlock A Gains-filled Zindagi for Your Future

Your future is full of boundless possibilities, and nothing should hold
you back from experiencing them! That is why we’ve created Edelweiss
Tokio Life Wealth Gain+ - a ULIP plan designed to give you dual benefits
of Life Cover and Wealth Accumulation with no unnecessary charges.

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Wealth Gain + Brochure

A Multiple of single/annualized premium as life cover at all time during policy tenure
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Sample Contract
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Rate Table
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Maturity Chart Table
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Wealth Gain Plus Reasons Why This Plan Will Help You Plan For The Future

Reasons Why This Plan Will Help You Plan For The Future

Wealth Gain Benefits of Wealth Gain+

Benefits of Wealth Gain+


All good things come in two’s! That’s why we want to help in both by providing you with a life cover and a way to grow your wealth. 


No unnecessary charges here! With Edelweiss Tokio Life Wealth Gain+, you don’t have to deal with any extra charges. This means we won’t charge you for things like premium allocation or policy administration. 


It’s your life, your money, and we believe in returning all your dues. That is why, with Edelweiss Tokio Life Wealth Gain+, whatever amount is taken from your investment as life cover will be returned to you at maturity. 


Long-term commitments are more fruitful! We like those who stay with us for the long term, that is why we give them additions which enhance the maturity value. By getting this plan, you can also be rewarded with Booster Additions at the end of your 15th and 20th policy year and Loyalty Additions annually from the end of your 10th policy year.


It’s time to grow your wealth! You can go about this in 2 ways. The first is through a Self-managed Strategy, where you get to make unlimited switches between funds. The second way is through the Life Stage and Duration Strategy where our team of experts will help you decide how to make your investments depending on your personal details.


We dislike deductions as much as you. You get tax benefits on premiums paid under section 80 (C) and on the maturity benefit under section 10 (10D).


Making Plans For The Future In 3, 2, 1 - Go!

Wealth Gain Making Plans For The Future In 3, 2, 1 - Go!


Start Your Edelweiss Tokio Life Wealth Gain+ Journey

  • Choose your preferred premium amount
  • Pick your preferred policy term
  • Choose your premium paying term

Choose How You Want to Manage Your Funds

  • Opt for Self-Managed Strategy, where you manage the funds OR
  • Opt for Life Stage and Duration Strategy, where we manage it for you

Get Set Go!

  • Submit the requested documents
  • Let us verify your details and start your wealth generation process!


Plan Your Financial Growth With Wealth Gain

Bhavesh invested

every year for


By the end of 20 years , Bhavesh receives a fund value of


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This is a sample Illustration *In above example, we have taken 30 year old non-smoker male. Some benefits are guaranteed, and some benefits are variable with returns based on the future performance of the Company. If your policy offers guaranteed benefits, then these will be clearly marked “guaranteed” in the illustration table on this page. If your policy offers variable benefits then the illustrations on this page will show two different rates. of assumed future investment returns, of 8% p.a. and 4% p.a. These assumed rates of return are not guaranteed, and they are not the upper or lower limits of what you might get back, as the value of your policy is dependent on a number of factors including future investment performance.

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Capital Guarantee¹: Assurance Amidst Market Fluctuations

Market-linked returns, with an additional benefit of guaranteed¹ return of your total invested premium at maturity

  • Benefits of market-linked returns and guaranteed¹ lumpsum in one plan

  • Enhanced cover option with sum assured & booster additions

  • Little Star Benefit option to protect your child’s future

  • Tax benefits³ u/s 80c & 10(10d) to shield your savings

Har Sapna Karo Poora with Guaranteed¹ Savings!

Guaranteed¹ returns, enhanced cover option, tax benefits³, and more… all with premiums just Rs. 3,000/month^².

  • Choice to receive guaranteed¹ returns as lumpsum or in 5 equal annual instalments

  • Enhanced Cover option to secure your family with 20x the premium^⁴ paid

  • Guaranteed¹ savings & life cover for a policy term as high as 40 years

  • Family Income Benefit option to ensure your family doesn’t have to compromise on dreams

Future Guaranteed¹ Income, now possible!

Makes sure nothing gets in the way of you and your dreams.

  • Guaranteed¹ Income + Protection + Tax Benefits³ in one plan

  • Pick from 4 plan options basis life goals – Lumpsum, Short Term Income, Long Term Income & Retirement Income

  • Family Income Benefit option ensures your family doesn’t have to compromise dreams

  • 6 Riders available to enhance your plan⁹

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GCAP Reasons Why You’re Bound To Love Us Back

Reasons Why You’re Bound To Love Us Back

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Here's Why Our Customers Adore Us

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Wealth Gain FAQS

Fire Away Queries

Like teachers say, there are no silly questions

What is a savings / wealth accumulation plan?

In today’s uncertain world, it is important to save for the rainy days. You need to arrange for stable funds to fulfill your ambitions and to support you in your later years. A savings insurance plan ensures that your and your family’s future is secured, even in uncertain times.

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You would want to reap the rewards of your hard work by enjoying a good lifestyle or planning for the big moments in your life. For this, you need a plan that lets you save for the long run. Edelweiss Tokio Life Wealth Secure+ is savings plan that comes with a life cover to protect you and your family from all future uncertainties and fulfill all your aspirations. 

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This plan can help you save for all kinds of goals – big or small. You may want to save for an international holiday, for an early retirement which can be enjoyed in style or for an international education course for your child.

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The minimum maturity age is 18 years and the maximum maturity age is 70 years.

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Under the limited premium paying term option, the minimum premium payment term is 5 years and the maximum term is the equivalent of your policy term-1year.

Under the regular pay option, the premium paying term is the same as the policy term.

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The minimum policy term is 10 years and the maximum policy term is 20 years.

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The top up premium sum assured is equal to 1.25*top up premium.

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The minimum and maximum sum assured is higher of (either 10 or Policy term/2 - whichever is more) x Annualized premium. For example, if your Policy term is 15 years and your annualized premium is 50,000, the sum assured is 10* x 50,000 = 5,00,000.

*Since 10 > Policy term/2 (7.5) 

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Yes, death due to COVID-19 is covered in this plan.

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Loyalty additions are one of the benefits we provide, where we periodically add to your fund to help you maximize your savings. This benefit is applicable on policy terms greater than or equal to 10 years. This means that from the end of your 10th policy year, loyalty additions will be added to your fund value, every year till the end of your policy term.

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Like loyalty additions, booster additions are also fund additions that help you maximize your savings. They are added at the end of your 15th policy year and 20th policy year.

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Yes, the mortality charges will be returned to you on the maturity date.

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At the end of your policy term, on survival you will receive the fund value as your maturity benefit. you have an option to collect your maturity benefit in a lump sum or in the form of instalments. 

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In this investment type, we periodically adjust your investment fund as per your risk appetite. That is, it gets moved automatically from riskier fund to safer fund, as your age increases, and remaining policy term reduces.

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This is one of the options we offer to make your investments. Under this strategy, you can decide to put your money in your choice of fund(s) in any proportion. You can switch your money unlimited times amongst these funds using the switch option.

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You have an option to change (increase or decrease) your premium paying term based on these factors:

a. The premium paying terms allowed under the plan;

b. All other conditions in the plan being met;

c. All your previous premiums are paid up to date.

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Under the self-managed strategy, you can move money between the funds any number of times depending on your financial priorities and investment outlook. This facility is called switching and is available free of cost.

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You can choose to allocate any future premiums including Top-up Premiums in

fund(s) different from that/those selected at policy inception or previous premium redirection request. This facility is called premium redirection and is available free of cost.

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You may withdraw a part of your Fund Value as per your liquidity requirements at any time after the completion of the fifth Policy Anniversary, subject to following conditions:
— The Life Insured has attained the age of 18 years.
— Partial Withdrawals will be first adjusted from the Top-Up Fund Value (which excludes the Top-Up Premium locked in for 5 years), if available and then from the Policy Fund Value. There is a lock-in period of five years for each top up premium from the date of payment of that top up premium for the purpose of partial withdrawals.
— Minimum amount that can be withdrawn is Rs. 500 per withdrawal.
— You can make unlimited number of partial withdrawals as long as the resultant Fund Value after payment of such partial withdrawal is greater than or equal to 105% of total premiums paid (Including Top-up Premiums).
— The partial withdrawals will not be allowed which would result in termination of a contract.
— The partial withdrawals are free of cost.

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In case of your death due to suicide within 12 months from the Policy Commencement Date or from the date of Revival of the Policy, your beneficiary shall be entitled to the Fund Value.

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The policyholder has a period of 15 days from the date of the receipt of the policy document. Policies sold through Distance Marketing will have a free look period for 30 days.

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Grace Period of 30 days is available for Annual, Semi-Annual and Quarterly premium payment modes and 15 days for Monthly premium payment mode.

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For queries, write to

Contact us on 022 6611 6054

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

1- Applicable only if all due premiums are paid and the policy is in-force.

3- As per provisions of Income Tax Act, 1961. Tax benefits are subject to changes in tax laws.

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.

Disclaimer: Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. Edelweiss Tokio Life Insurance is only the name of the Insurance Company and Edelweiss Tokio Life – Wealth Gain+ is only the name of A Unit Linked, Non-Participating, Individual, Life Insurance Product and does 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. Tax benefits are subject to changes in the tax laws. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.

IRDAI Reg. No.: 147. CIN: U66010MH2009PLC197336. UIN: 147L061V03

ARN: WP/3429/Oct/2023