1. 10 times the Annualized premium¹
2. 105% of all premiums paid as on the date of death
3. Absolute amount assured⁺to be paid on death

1. 125% of Single premium
2. Absolute amount assured⁺ to be paid on death

The product has standard terms and conditions making it is easy to understand.

45 days from date of commencement of risk.

This policy will only cover death due to accident during the waiting period of 45 days from the date of commencement of risk. In case of death of the life assured other than due to accident, during the waiting period, an amount equal to 100% of all premiums excluding taxes, if any, shall be paid

A waiting period of 45 days from the date of commencement of risk is applicable. This Policy will only cover death due to accident during the waiting period of 45 days from the date of commencement of risk. Inn case of revival of Policy, the Waiting Period shall not be applicable

Under Regular/Limited Premium Policy:

This policy shall be void if the Life assured commits suicide at any time within 12 months from the date of commencement of risk, provided the policy is inforce or within 12 months from the date of revival and the Company will not entertain any claim except 80 % of the Premium paid (excluding any extra amount if charged under the policy due to underwriting decisions and taxes, if any) till the date of death. This clause shall not be applicable for a lapsed policy as nothing is payable under such policies.

Under single Premium Policy:

This policy shall be void if the Life assured commits suicide at any time within 12 months from the date of commencement of risk and the Company will not entertain any claim except 90 % of the Single Premium paid excluding any extra amount if charged under the policy due to underwriting decisions, if any. After paying the benefit as applicable, the policy will be terminated.