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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 Annual premium in Rupees for a male aged 30 years Policy Details Grace Period: 15 days grace period is allowed for premium payment in monthly mode and 30 days in other modes. If policyholder fails to make payment within the grace period, the policy lapses Policy Termination or Surrender Benefit: Policyholder is allowed to surrender the policy and receive the Surrender Value. The Surrender Value will be higher of the Guaranteed Surrender Value or the Special Surrender Value. GSV = GSV Factor * Basic premiums paid excluding survival benefits already paid including the GSV of accrued bonuses SSV = Paid-up Value on maturity * SSV Factor 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
It is a participating plan with regular premium payment option Customized Money back solutions under 4 plan options to suit individual needs Total survival benefits paid @ 110% of the Sum Assured
On maturity, the last instalment of survival benefits along with accrued reversionary bonuses and terminal bonus is paid On death of the policyholder , higher of the basic SA on death including vested bonuses and terminal bonus, if any, or 105% of premiums paid till death is paid to the nominee SA on death is expressed as 7 or 10 times the annual premium paid depending on the age of the policyholder Income tax benefit on the premium paid as per Section 80C and on the claims received as per Section 10(10D) of the Income Tax Act.
Smart Money Back Gold is a participating Money Back Plan which provides lump sum amount at regular intervals thereby meeting cash requirements at various stages of life. It also provides comprehensive coverage for protection purposes
