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Our Products
- Capital Secure+ - A Combination Of Market-Linked And Guaranteed Returns
- Edelweiss Tokio Life –Wealth Rise+ – A double-advantage ULIP
- Edelweiss Tokio Life – Premier Guaranteed Income – A guaranteed income plan
- Edelweiss Tokio Life –Wealth Secure + - A new generation ULIP
- Edelweiss Tokio Life- Zindagi Protect - A Comprehensive Term Plan
- All Products
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Unlock A Gains-filled Zindagi for Your Future
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.
Product Enquiry
Take a step ahead to secure your goals
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Wealth Gain + Brochure

A Multiple of single/annualized premium as life cover at all time during policy tenure
Product Brochure

Sample Contract

Rate Table

Maturity Chart Table

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
Nil Allocation Charges
No need to deal with charges for premium allocation or policy administration. We also return the mortality charges.
Li’l Extra from Our End
For those who stay with us for longer, we give them Booster Additions and Loyalty Additions.
Li’l extra from your end
You can add any extra funds into your already existing plan through top up premiums.
Choice of 7 Funds
Choose from 7 diverse funds and pick the ones you find best! You can do it yourself or get help from our team of experts.
Wealth Gain Benefits of Wealth Gain+
Benefits of Wealth Gain+
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Dual Benefits
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.
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Nil Allocation Charges
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.
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Return of Mortality Charge
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.
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Additions to the Plan
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.
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Investment Strategies
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.
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Tax Benefit³
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).






Dual Benefits
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.

Nil Allocation Charges
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.

Return of Mortality Charge
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.

Additions to the Plan
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.

Investment Strategies
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.

Tax Benefit³
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!
EdelweissPremiumReturnsCaculatorWeb
Plan Your Financial Growth With Wealth Gain
Bhavesh invested
₹every year for
Year
By the end of 20 years , Bhavesh receives a fund value of
@
Annual Premium Amount: Rs 50,000
Policy Term 20 Years
Fund Value Rs 0
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

We’ve got experience in helping people make their Zindagi unlimited

We’ve got the expertise in helping you grow your wealth

We constantly innovate our offerings to get better results for you
Reasons Why You’re Bound To Love Us Back

We’ve got experience in helping people make their Zindagi unlimited

We’ve got the expertise in helping you grow your wealth

We constantly innovate our offerings to get better results for you
Here's Why Our Customers Adore Us
Here's Why Our Customers Adore Us
Look at what people had to say about our services
Asset Publisher

He was very much clear about the issue and the importance of it.. Thanks rohit
Anisha Shashidharan
(sr.associate)
Your customer support is doing excellent job.keep up the good work.
Nilesh Pawar
(manager)
It was very good experience. they understand my problem and solved it and given time to me, thank you.
Kumar Devam
(pvt teacher)
Thanks, all queries resolved in one call to satisfaction. I am rating the services as 10.
Kanika Chaudhary
(DESIGN ARCHITECT)
Very helpful during call thanks to Ms Ayesha A customer care executive
Sudeep priyo Bagh
(teacher)
The Customer Care Executive - Ms Afreen Sheikh was very prompt in resolving my query!!
Devanshu Gandhi
(Buisness owner)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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What should I opt for Edelweiss Tokio Life Wealth Gain+?
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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What goals can I fulfil with this plan?
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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What is the minimum and maximum maturity age?
The minimum maturity age is 18 years and the maximum maturity age is 70 years.
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What are the premium paying term options available?
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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What is the minimum and maximum policy term?
The minimum policy term is 10 years and the maximum policy term is 20 years.
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What are the returns on Top up Premiums?
The top up premium sum assured is equal to 1.25*top up premium.
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What is the minimum and maximum sum assured?
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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Is death due to COVID-19 covered in this plan?
Yes, death due to COVID-19 is covered in this plan.
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What are Loyalty additions?
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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What are Booster additions?
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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Will my Mortality charges be returned to me?
Yes, the mortality charges will be returned to you on the maturity date.
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What is the maturity benefit of this plan?
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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What is life stage & duration-based strategy?
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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What is self-managed strategy?
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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Can the premium paying term be changed later?
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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Is switching between funds allowed?
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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Are there any restrictions on redirecting my premiums?
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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Are partial withdrawals allowed when needed?
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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Are there any exclusions to this plan?
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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What is the free look period of this policy?
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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Is there a Grace period available with this policy?
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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We are always there for you !
For queries, write to onlinesales@edelweisstokio.in
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