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Nirmal Jeevan Insurance Plans
Introduction/Overview Exide Life Nirmal Jeevan Insurance Plan is a traditional savings plan with low premium rates and life insurance coverage to provide for financial security in future through minimal savings Key Features This plan is a non-participating plan with Regular Premium Paying Term Under the Automatic Life Cover, the plan runs for 2 or 3 years even when the premiums are discontinued if at least 2 or 3 full years premium has been paid respectively Easy and hassle free application process because no medical tests are required
Product Specification
Details About Premium Annual premium in Rupees and Benefit Illustration Policy Details Grace Period: 30 days grace period is allowed for premium payment Policy Termination or Surrender Benefit: the policy can be surrendered if 3 full years premium has been paid. The Surrender value will be higher of the Guaranteed Surrender Value (GSV) or Special Surrender Value (SSV) GSV = (% of all Premiums paid) SSV = SSV Factor * SA/1000 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 The policy provides loan facility if at least 3 years full premiums have been paid Exclusions In case of suicide within 12 months from inception 80% of premiums paid are returned and within12 months of revival, Surrender Value is payable. If policy is revived within the Automatic Life Cover and death happens due to suicide within the remaining life cover, full death benefit is paid otherwise the Surrender Value is paid
Benefits
Guaranteed SA is paid on either death or maturity of t Income tax benefit under Sections 80C and 10(10D) for premiums paid and claims received respectively
Nirmal Jeevan Insurance Plans
Introduction/Overview Exide Life Nirmal Jeevan Insurance Plan is a traditional savings plan with low premium rates and life insurance coverage to provide for financial security in future through minimal savings Key Features This plan is a non-participating plan with Regular Premium Paying Term Under the Automatic Life Cover, the plan runs for 2 or 3 years even when the premiums are discontinued if at least 2 or 3 full years premium has been paid respectively Easy and hassle free application process because no medical tests are required
Product Specification
Details About Premium Annual premium in Rupees and Benefit Illustration Policy Details Grace Period: 30 days grace period is allowed for premium payment Policy Termination or Surrender Benefit: the policy can be surrendered if 3 full years premium has been paid. The Surrender value will be higher of the Guaranteed Surrender Value (GSV) or Special Surrender Value (SSV) GSV = (% of all Premiums paid) SSV = SSV Factor * SA/1000 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 The policy provides loan facility if at least 3 years full premiums have been paid Exclusions In case of suicide within 12 months from inception 80% of premiums paid are returned and within12 months of revival, Surrender Value is payable. If policy is revived within the Automatic Life Cover and death happens due to suicide within the remaining life cover, full death benefit is paid otherwise the Surrender Value is paid
Benefits
Guaranteed SA is paid on either death or maturity of t Income tax benefit under Sections 80C and 10(10D) for premiums paid and claims received respectively