• Flexibility to choose option of increasing premium every year - A tool to fight inflation
• Flexibility to choose from amongst five Fund Options & Automatic Asset Allocation option to adjust your risk profile based on your age
• Option to save under Systematic Money Allocation & Regular Transfer Investment - SMART
• Additional Allocation by the company to your fund from third premium year onwards for the entire term.
• Easy to purchase option with Swarna Jeevan Plus Certificate
• Regular income post retirement
• Flexibility of policy terms

Eligibility

Death Benefit:

• In case of unfortunate demise of the policyholder, while the policy is in force & before the vesting date the nominee will receive the Total Fund Value which is equal to the value of the Regular Premium Fund Value plus the Top-Up Premium Fund value at applicable unit price. The amount of death benefit either partially or entirely may be used by the nominee to purchase an annuity from the company or from any other institution in the market.

Vesting Benefits:

• On survival to the end of the policy term, you will receive the Total Fund Value which is equal to the value of the Regular Premium Fund Value plus the Top-Up Premium Fund valued at applicable unit price plus the Guaranteed Addition on Vesting Date, if applicable.

Guaranteed Addition:

• Guaranteed Addition on Vesting Date (as a % of Regular Premium Fund Value) is payable depending on the policy term chosen at inception and subject to all due premiums paid & policy being in force till vesting date

Additional Allocation:

• The Additional allocation is additional premium credited to the respective funds basis premium year till the end of premium paying term. It begins from the third premium year of your policy. Additional Allocation shall be payable as percentage of Regular Premium which is tabulated as below:

Tax Benefits:

• Premiums paid under this plan are eligible for tax benefits*. Please consult your tax advisor for taxation matters.