Option A: Life - This benefit option provides life cover and savings with regular reversionary bonuses

Option B: Life Plus - In addition to the benefits under ‘Life’ benefit option, this benefit option provides additional coverage on Accidental Death and Accidental Total Permanent Disability during the policy term

• Lumpsum benefit equal to ‘Sum Assured on Maturity + vested Reversionary Bonuses + Terminal Bonus, if declared’ payable at maturity
• Flexibility of paying premium throughout your policy term or for a limited period of time
• Get tax benefits^$ as per the prevailing norms under below Income Tax Laws

If the Policy is In-Force and the Life Assured survives till the end of Policy Term, then Sum Assured on Maturity plus vested Reversionary Bonuses and Terminal Bonus (if declared), will be payable at the end of the Policy Term. Where, Sum Assured on Maturity is equal to the Sum Assured.

In case of death due to suicide, within 12 months from the date of commencement of risk under the policy or from the date of revival of the policy, as applicable, the nominee or beneficiary of the policyholder shall be entitled to 80% of the Total Premiums Paid till the date of death or the Surrender Value available as on the date of death whichever is higher, provided the policy is in force.

• Exclusions for Accidental Death & Accidental Total Permanent Disability (AD&ATPD) We will not pay for Accidental Death or Accidental Total Permanent Disability arising from or due to the consequences of or occurring during the events as specified below:

• Infection: Death or disability caused or contributed to, by any infection, except infection caused by an external visible wound accidentally sustained

• Drug abuse: Life Assured under the influence of alcohol or solvent abuse or use of drugs except under the direction of a registered Medical Practitioner • Self-inflicted injury: Intentional self-inflicted injury including the injuries arising out of attempted suicide.

• Criminal acts: Life Assured involvement in criminal and/or unlawful acts with unlawful or criminal intent.

• War and civil commotion: War, invasion, hostilities (whether war is declare or not),civil war, rebellion, revolution, act of foreign enemy, armed or unarmed truce, mutiny, rebellion, strikes or taking part in a riot or civil commotion.

• Taking part in any naval, military or air force operation during peace time or during service in any police, paramilitary or any similar organisation

• Nuclear contamination: The radioactive, explosive or hazardous nature of nuclear fuel materials or property contaminated by nuclear fuel materials or Accident arising from such nature.

• Aviation: Life Assured participation in any flying activity, other than as a passenger in a commercially licensed aircraft.

• Hazardous sports and pastimes: Engaging in or taking part in professional sport(s) or any hazardous pursuits, including but not limited to, diving or riding or any kind of race; underwater activities involving the use of breathing apparatus or not; martial arts; hunting; mountaineering; parachuting; bungee-jumping.