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Details About Premium Premium in Rupees and Benefit Illustration for a term of 20 years and PPT 5 years Policy Details Grace Period: 15 days grace period is allowed for monthly mode and 30 days for other modes of premium payment after which policy lapses 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 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 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 One free Partial withdrawal is allowed every year after 5 completed policy years with a minimum value of Rs.10,000 4 free Switches are allowed every year forswitching between funds Premium Redirection is allowed to redirect future premiums
It is a unit linked plan with Limitedand Regular Pay option of premium payment Persistency Units are added at the end of the 10th, 15th and 20th policy years There is an option of Fund Conservation at Maturity whereby the units form all the funds will be directed to the Debt Fund every half tear in the last 3 policy years to protect the Fund Value form market fluctuations towards maturity The following4 funds are available for investment Debt Fund Balance Fund Growth Fund Large Cap Equity Fund
Persistency Units are added @ 1% of the average Fund Value in the last 3 years prior to the additions The insured will get the total Fund Value on Maturitywhich can either be taken that time in lump sum or availed in instalments over a period of 5 years post Maturity under the Settlement Option On death of the policyholder, higher of the Sum Assured net of partial withdrawals made in the last 2 years if the age attained was less than 60 years orFund Value subject to a minimum of 105% of all premiums paid till death is payable If age attained was more than 60 years, higher of the Sum Assured less withdrawals made after age 58 or the Fund Value subject to a minimum of 105% of all premiums paid is payable Income tax benefit on the premium paid as per Section 80C and on claims under Section 10(10D) of the Income Tax Act.
Smart Wealth+ is a Unit Linked Insurance which yields good returns through participation in capital markets and also gives the added advantage of life insurance coverage.
