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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. Shriram New Akshay Nidhi Plan
On death under Option A, future premiums are waived off and Guaranteed Death Benefit is paid. An additional amount equal to the Guaranteed Maturity Benefit is paid at the end of the term Under Option B, on death of the policyholder, future premiums are waived off and the Guaranteed Death Benefit is paid. Furthermore, Guaranteed Income is paid for minimum 3 years or till the policy anniversary immediately preceding the end of the term An additional amount of Guaranteed Maturity Benefit is paid at the end of the term under Option B Guaranteed Death Benefit is higher of the SA or Maturity SA or 10 times the annual Premium or 105% of all premiums paid till death Guaranteed Income is equal to 2 times the annual premium Guaranteed Maturity benefit is the % of total premiums paid and it depends on the term, premium and PPT On Maturity the Guaranteed Maturity Benefit is paid Income tax benefit under Sections 80C and 10(10D) for premiums paid and claims received respectively
Details About Premium Annual premium in Rupees and the respective Maturity Benefit for a male aged 35 years with a term of 15 years Policy Details Grace Period: 30 days grace period is allowed for premium payment after which the policy lapses Policy Termination or Surrender Benefit: the policy can be surrendered anytime if three or two full years premium has been paid. The Surrender value will be higher of the Guaranteed Surrender Value (GSV) or Special Surrender Value (SSV) GSV = GSV% of all Premiums paid 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 Loan is not available under the plan Additional Features or Riders If premiums are paid in annual or half-yearly mode, the Guaranteed Maturity Benefit will be increased by 3% or 1.5% respectively The following riders are available for additional protection: BSLI Accidental Death and Disability Rider BSLI Critical Illness Rider BSLI Surgical Care Rider BSLI Hospital Care Rider BSLI Waiver of Premium Rider Exclusions In case of suicide within 12 months from inception or revival, premiums paid or the Surrender Value is payable
Introduction/Overview Guaranteed Future Plan is a traditional savings plan with regular income inflow option to take care of the familys requirement in the unfortunate death of the policyholder Key Features This plan is a non-participating savings plan with regular premium payment term There are two Death Benefit Options A and B with different benefit structure
