15-Years Money Back Cum Whole Life Assurance (Saarthak Ajeewan Jeevan Beema)

A money-back cum whole life plan where premiums are paid for a fixed period but cover continues until death or attainment of age 100. On survival to term end, full sum assured plus declared & vested bonuses are payable. Additional sum assured is payable at age 100 or to nominee on death after policy term but before age 100.

Entry age

18 – 55 years

Policy term

15 – 15 years

Sum assured

From Rs 50,000

Premium modes

Monthly, Quarterly, Half-yearly, Yearly

Death benefit

During premium paying term: Full Sum Assured + Vested Bonus; After premium paying term: Full Sum Assured

Declared range for the fiscal year shown — the exact rate depends on the plan and term. Rates are revised annually and are not guaranteed for future years.

• Sun Medicare

  Emergency medical rider with fixed payouts for hospitalization days

• ADB

  Accidental death benefit rider

• PTD/PWB

  Permanent Total Disability / Premium waiver benefit

• Critical Illness

  Lump-sum on diagnosis of listed critical illnesses

• Funeral Expenses

  Payout to cover funeral expenses on death

Policy loan

Available

Paid-up value

Yes

Partial withdrawal

No

• Suicide within policy-specified exclusion period
• War, civil commotion and related exclusions
• Pre-existing conditions not disclosed at proposal