Insuremile
IRDAI/I NTAII/BA/51/2018
CIN: U72900KA2018PTC110119

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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.

Grace Period: 15 days grace period is allowed in monthly mode and 30 days in other modes. 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 Pension 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. The Surrender Value should be used to receive annuity under the same options as on vesting except the value cannot be used to extend the vesting date. 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.

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Guaranteed Additions accrue @ 0.25% from the 6th-10th policy year, 0.35% from the 11th-policy year and thereafter. Guaranteed Additions are expressed as a % of the average Fund Value in the last 12 months. On Vesting, higher of the accumulated Fund Value or Guaranteed Vesting Benefit subject to a minimum of 101% of premiums paid will be payable.

It is a non-participating Unit Linked plan with Single premium payment option Guaranteed Additions are added from the 6th year onwards which increases the fund value. Under the Smart Option of investment, the company invests the premiums in a predetermined ratio between the two available funds. The portfolio is so managed that the units are automatically transferred to less riskier funds as the vesting date approaches.

It is a non-participating Unit Linked plan with Single premium payment option Guaranteed Additions are added from the 6th year onwards which increases the fund value. Under the Smart Option of investment, the company invests the premiums in a predetermined ratio between the two available funds. The portfolio is so managed that the units are automatically transferred to less riskier funds as the vesting date approaches.