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Policyholder has to fill up an `Application form/ proposal form with accurate medical history along with the address proof and other KYC documents. Medical examination may be required in some cases, based on the sum assured and the age of the person.
Details About Premium Illustration for a policy term of 15 years Policy Details Grace Period: 30 days grace period is allowed for payment of premium Policy Termination or Surrender Benefit: Policyholder is allowed to surrender the policy after 5 completed years. If surrendered before 5 years, the fund value net of discontinuation charge will be credited to the Discontinued Policy Fund where it will earn a minimum of 4% p.a. growth. After completion of 5 years, the fund value in the Discontinued Policy fund as on that date will be paid to the policyholder. If surrendered after 5 completed policy years, the entire Fund value on the date of surrender is paid without any charges Free Look Period: If you would not be pleased with the coverage, and terms and conditions of the policy, you have the option of canceling the policy within 15 days of receipt of the policy documents, provided there has been no claim. Inclusions One free partial withdrawal is allowed every year which should be a minimum of Rs.5000 and maximum of 15% of the Fund Value as on the date of withdrawal Premium redirection is available from the 2nd policy year 2 free switches are allowed per policy year
No Policy Administration charges for the first 5 years in regular and limited premium modes Exclusions The benefit paid in case of suicide within 12 months of policy inception is the fund value as on that date.
It is a unit linked plan with premium payment options in regular, limited and single mode There is a feature of Guaranteed Additions which further increase the Fund Value The Guaranteed Addition percentage depends up on the term chosen and the premium payment option chosen. It is higher for higher terms The Sum Assured can be increased or decreased from the 6th policy year Under the Settlement Option, the Fund Value can be withdrawn in five equal instalments over 5 years after the end of the policy term The following 7 funds are available for investment: Equity Fund Top 300 Fund Equity Optimizer Fund Growth Fund Balanced Fund Bond Fund Money Market Fund
The insured will get the total Fund Value on Maturity and on death, higher of the basic SA net of any partial withdrawals already made from the Fund Value or Fund Value subject to 105% of the premiums paid Guaranteed Additions are paid from the end of the 10th policy year @ 5% and increase every 5 years Income tax benefit on the premium paid as per Section 80C and on claims under Section 10(10D) of the Income Tax Act.
Smart Wealth Builder is a non-participating Unit Linked Plan which aims to provide for every requirement of the policyholder through wealth maximization
