• The policy is a money back plan where in certain percentage of basic Sum assured is payable at periodic intervals on survival, with increasing benefits.
• The policy can be taken for 12,15,20,25 years.

• Guaranteed Addition: The Guaranteed Addition @ Rs.65/- per thousand Sum Assured is payable at the end of Policy term or on earily death for each completed policy year during which the policy was in force for the full Sum Assured.
• Loyalty Addition: If the premiums are paid for atleast 5 years, a Loyalty Addition if any may become available on death along with claim payments. Actual Loyalty Addition would depend on Corporation's experience with respect to investment returns, mortality and expenses.
• Accident Benefits: Accident Benefit will be granted under the plan subject to the payment of additional premium of Rs.1/- per thousand Sum Assured Per Annum upto a maximum of Rs.10,00,000/- Sum Assured. However, this is inclusive of the maximum of Rs.10,00,000/- Sum Assured placedin aggregate on other life insurance plans.
• Addtional Term Rider Option: A choice of additional death cover is also available under the plan as a Term Assurance Option subject to certain restrictions.

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  Term	12 Years	15 Years	20 Years	25 Years
  Main Plan
  Minimum Age at entry(completed)	14 years	13 years	13 years	13 years
  Maximum Age at entry	58 years	55 years	50 years	45 years
  Maximum Age at maturity	70 years
  Minimum Sum Assured	Rs.40,000/-
  Mode of payment of premium	Yearly/Half-Yearly/Quarterly/Monthly/Monthly (SSS)
  If the option of Accident Benefit is chosen, then an amount equal to the basic Sum Assured is payable if death occurs as an accident.
  No loan is granted under this policy.
  Term Assurance Option
  Minimum age at entry(completed)	18 years
  Maximum age at entry	50 years
  Maximum age at maturity	60 years
  Minimum Sum Assured for the Term Rider	Rs.1,00,000/-
  Minimum Sum Assured the Basic Plan on which the Term Rider can be given	Rs.1,00,000/-
  Maximum Sum Assured for Term Rider	An amount upto twice the Sum Assured subject to the maximum of Rs.25,00,000/-

Exclusions

Suicide: This policy shall be void if the Life Assured commits suicide at any time on or after the date on which the risk on the policy has commenced but before the expiry of one year from the date of the policy. In case of death due to suicide during this period, the Corporation will not entertain any claim by virtue of this policy except to the extend of a third party's bona fide beneficial interest acquired in the policy for valuable consideration of which notice has been given in writing to the office to which premiums under this policy were paid, at least one calendar month prior to death.