• A policy where sum insured is payable to the life assured in four equal installments in the last four years of the tenure of the policy i.e. (n-3), (n-2), (n-1) and nth year (where n is term of the policy).
• Full sum insured becomes payable in case of death of the life assured within the term and additionally money back instalments are payable.
• Bonus for the full term with any additional bonus is payable on the date of maturity.
• Premiums cease on death or on expiry of term whichever is earlier.
• This plan can be availed for terms between 20 and 25 years.

• One additional sum assured will bepayableon the death of the policyholder at any time during the term of the policy. (Future premiums, falling due from the policy anniversary following the date of death will stand waived).
• For example, for the term of the policy is 20 years, for every Rs.1,00,000/- of sum assured, Rs.25,000/- each is payable at the end of 17th, 18th, 19th and 20th policy year. If the death occurs in the 18th year, full sum insured without bonus is payable immediately. The balance three instalments of one-fourth sum assured each, will be paid in the 18th, 19th and 20th policy year.

• Minimum sum assured : Rs.20,000/-
• Maximum sum assured : No limit
• Minimum age at entry : 18 years
• Maximum age at entry : 45 years (40 years if age proof is non-standard)
• Maximum age at maturity : 65 years
• Minimum term : 18 years
• Maximum term : 25 years
• Standard/non standard age proof required.
• For proposals without medical certificate, a declaration has to be given.

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