The total Fund Value + Top-up Fund Value (if any) is payable on Maturity Alternatively, the maturity benefit can be availed in instalments over 5 years post maturity under the Settlement Option On death, Sum Assured + Fund Value + Top-up Sum Assured + Top-up Fund Value (if any) is payable subject to 105% of all premiums paid Income tax benefit on the premium paid as per Section 80C and on claims under Section 10(10D) of the Income Tax Act.