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Life Insurance

JEEVAN SATHI
(With Profit)

'JEEVAN SATHI' plan covers the risk of both husband and wife under single policy. This is issued to working couple or wife should be Income-Tax assesse. For sum assured 1,00,000/- and less, wife need not to be earning. House wife canalso take this policy up to 1,00,000/- Sum Assured.

Salient Features

This plan is issued on the lives of husband and wife.
Premium payment ceases on first death or upto maturity date if both lives survive upto the date of maturity.

Benefits

Sum assured along with vested bonus is payable on date of maturity if both lives survive upto date of maturity.
Basic sum assured is payable on once death within the term, to the surviving spouse and future premium are waived.
If the second life also dies within the term of the policy, the nominee gets another sum assured along with vested bonus.
If the second life survives to maturity, an amount equal to sum assured is paid along with vested bonus.

Restrictions

Minimum sum assured : Rs.20,000/-
Minimum age at entry : 20 years (for female life)
Maximum age at entry : 50 years
Maximum maturity age : 70 years
Minimum Term : 15 years
Maximum Term : 30 years
Age of the older life should not be more than 65 years on maturity.
Premiums are based on mean age.
Where sum proposed is over Rs.1,00,000/- the age of older life cannot be more than 60 years.
Lady lives who have undergone two caesarian operations are not eligible for this policy.
Accident benefit premiums to be paid on both lives. After 1st death, accident benefit is allowed on the second life also either by the same accident or by another accident within the same year.
Only Standard age proof is accepted.
Bonuses vest even after cessation of premium on 1st death, since it is payable only along with the sum assured payable in the event of death of 2nd life within the term or on 2nd life surviving date of maturity.
Bonus is calculated on basic sum assured
Minimum premium must be Rs.800/- p.a.

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