Edelweiss Tokio Wealth Ultima Plan

Take a step ahead to secure your goals





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Why Edelweiss Tokio Life Wealth Ultima Works Well For You

  • Grow Your Wealth Steadily & Systematically

    Save, invest and withdraw your wealth systematically to make sure you are protected from market fluctuations.

  • More Additions, More Joy!

    Booster, Loyalty and Guaranteed Additions are a treat from us which are added when you stay with us for longer.

  • Protect Your Child’s Dreams

    The Little Champ Benefit option makes sure that your child’s dreams are protected even when you’re not around.

  • Sau Saal Jiyo!

    To make sure you live your zindagi unlimited, this plan gives you a life cover up to the age of 100 years.

Benefits Of Wealth Ultima

Systematic Monthly Plan (SMP)

Paying a big amount, in one go can be a hassle! That is why we give you the chance to opt for the Systematic Monthly Plan. With this feature, you can pay your premiums on a monthly basis and get safeguarded from erratic market fluctuations through a smaller premium amount.

Investment Options

Your choice or ours? You can opt for the Self-managed Investment Strategy, through which you get unlimited switches between funds. Alternatively, we offer the Systematic Transfer Plan (STP) that comes with two options - With the Life Stage and Duration based STP, we manage your funds according to your life stage, and Profit Target based STP protects your profits by shifting it to a bond fund.

Systematic Withdrawal Plan (SWP)

Make Retirement Easy! From the 10th year, you can choose to receive your payout in the form of regular installments. These installments will be a pre-decided percentage of your fund value and you can decide when and how you want to receive it. With this, you can plan your source of income for a relaxed retired life.

Fund Additions

A little extra to show that we care! We reward those who stay with us for a long time by routinely making additions to their funds over the years. Guaranteed Additions and Loyalty Additions are added annually starting from your 6th policy year and Booster Additions are added every 5 years starting from the 10th year of your policy. 

Tax Benefits³

No deductions, no worries! You get tax benefits on premiums paid under section 80 (C) and on the maturity benefit under section 10 (10D).

Wealth Ultima a Systematic Monthly Plan
Wealth Ultima Best Investment Plan
Wealth Ultima a Systematic Withdrawl Plan
Extra Fund Allocation with Wealth Ultima Plan
Get Tax Benefits with Wealth Ultima Policy

All You Need are 4 Steps!


Start the Plan

  • Choose your premium
  • Choose your policy term
  • Choose your premium paying term

Make Your Choices

  • Customize your plan by adding optional benefits
  • These include Little Champ Benefit, Systematic Withdrawal Plan and others

Time to Invest

  • Choose between Self-managed Strategy and Systematic Transfer Plan

Sit Back and Relax

  • Submit the requested documents
  • Let us verify your details and give you the go-ahead!

Plan Your Financial Growth With Wealth Ultima

Eddie invested

every year for


By the end of 30 years , Eddie receives a fund value of

Annual Premium
Fund Value
Policy Term -
30 Years

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    Fire Away Queries

    Like teachers say, there are no silly questions

    Why do I need a wealth accumulation / savings plan?

    You may want an early retirement which can be enjoyed in style or it could be international education for your child. However, it is also important that we take necessary steps to take care of our family in all certain and uncertain events. Thus, it would be ideal to invest in a plan which takes care of financial security of your family and also helps you accumulate wealth.

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    Why should I opt for Edelweiss Tokio Life – Wealth Ultima?

    Edelweiss Tokio Life - Wealth Ultima is a unit-linked life insurance plan designed for your future, to help you live an unburdened life. It is meant to help you build your wealth by having an option to pay systematically through monthly or other modes, growing your funds through different investment types and giving you the option to make regular withdrawals. We have created this to be a systematic, well-thought-out plan that enables you to create long term wealth and protect yourself against the uncertainties of life.

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    What kind of goals will this plan help me achieve?

    Edelweiss Tokio Life - Wealth Ultima will help you fulfil your financial goals of life, like securing your child's future financial needs or enjoying a stress-free retirement. It can ensure a continuity of planned benefits for your child even in your absence.

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    Does this plan cover death due to COVID-19? 

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

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    What is Systematic Transfer Plan?

    Systematic Transfer Plan or STP is a type of investment offered under this plan. It comprises of the Life Stage and Duration investment type and the Profit Targeted Based investment type. The first type shifts your funds according to key life stages and the latter type shifts the percentage of your profit to a bond fund when the fund value reaches your desired profit target.

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    What is Systematic Withdrawal Plan?

    Systematic Withdrawal Plan acts as a source of second income, especially post retirement. With this, you receive a pre-decided percentage of your fund value at regular intervals. You can make these withdrawals on a monthly, quarterly, half yearly and annual basis.

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    What is Little Champ Benefit?

    Little Champ Benefit is a optional benefit offered with this plan. On the event of death of the Policyholder, the policy shall continue, and the child will receive the policy benefits as per the original plan.

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    What are the different premium paying frequencies available?

    For the Life Cover Variant, you can pay your premiums in 3 ways - Single Pay, Limited Pay and Regular Pay. With the Single Pay option, you make your entire premium payment at once. You can cover your premium payment process within 5, 10, 15, 20 or 25 years through the Limited Pay option and space it out on a monthly, quarterly, half yearly or annual basis via the Regular Pay. 

    If you opt for the Life and Basic Health Cover & Life and Comprehensive Cover Variant you can choose to pay regular installments via the Regular Pay option.

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    What are the different premium payment options?

    You have the option to pay your premium in one go via the Single Pay option. If that doesn’t suit your needs, you can opt for the Annual premium payment option. 

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    What is the minimum premium amount?

    The minimum premium amount for this plan is Rs. 3,000 per year. 

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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 100 years.

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    What is the minimum and maximum policy term?

    This policy can last from 10 years to ‘till age 100’.

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    What are the policy options?

    This plan has 2 options. Option 1 is the type of policies wherein you will be 70 years or less by the time this policy matures. Option 2 is the type of policies wherein you will be 100 years when this policy matures.

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    Are there any additions available in this plan?

    Additions are the little boosts of money we add to your fund value. These include Guaranteed Additions, Loyalty Additions and Booster Additions. These help in increasing your returns.

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    Can I change my premium paying term?

    You have an option to change (increase or decrease) the premium paying term as long as the following conditions are met:

    a. The payment term you want is allowed under the plan;

    b. All other conditions in the plan are being met;

    c. Provided all the due premiums till the date of your request have been paid.

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    Is there any benefit on opting for a higher policy term?

    The Policyholder benefits by staying for a longer time in the plan, as the Reduction in Yield (RIY) percentage reduces with a higher policy term.

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    When can I surrender the policy, if I have to?

    You can choose to surrender the policy at any time during the policy term. Charges will be applicable. Please refer to the brochure for more details.

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    Are there any charges applicable for this plan?

    Premium Allocation Charges and Policy Administration Charges are applicable, which become nil after the 6th policy year.

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    Are there any exclusions to this plan?

    In case of death due to suicide within 12 months from the Policy Commencement Date or from the date of Revival, the nominee or 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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    Do I get any Grace Period to pay my premiums?

    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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    Related Articles & Resources


    Additional Resources

    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.


    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 Ultima 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. Flower & Edelweiss (as displayed above) are trademarks of Edelweiss Financial Services Limited; “Tokio” is Trademark of Tokio Marine Holdings Inc. and used by Edelweiss Tokio Life Insurance Co. Ltd. under license.

    IRDAI Regn. No.: 147. CIN: U66010MH2009PLC197336. UIN: 147L037V02

    ARN No : WP/1408/Feb/2021