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Best For

Hidden Clauses - Read Carefully

• Better Half Benefit can only be selected at policy inception
• Spouse age difference cannot exceed 10 years
• Better Half Benefit available only if policy issued at standard rates
• Better Half cover limited to 50% of base sum assured
• Better Half maximum cover capped at Rs. 1 Crore
• If spouse dies before insured
• Better Half Benefit becomes unavailable
• Simultaneous death of insured and spouse voids Better Half Benefit
• Child Future Protect can only be selected at inception
• Child Future Protect cover expires when child reaches age 25
• Premium Break Benefit available only for PPT of 10 years or more
• Premium Break Benefit requires additional premium
• Premium Break does not apply to rider premiums
• Return of Premium returns only base premiums paid
• Taxes are not refunded
• Extra premiums are not refunded
• Misrepresentation may lead to claim rejection
• Suicide exclusion applies during first 12 months
• Policy revival allowed only within revival period
• Additional benefits cannot be added later

Best For

Hidden Clauses - Read Carefully

• Death benefit is highest of 11 times annualized premium, 105% of total premiums paid or base sum assured
• Special Exit Value available only if entry age is up to 40 years and policy matures at age 70
• Special Exit Value can be exercised only during one-year window after attaining age 55
• Policy lapses if premiums are not paid during grace period
• Limited Pay policies receive Unexpired Risk Premium Value only after minimum 2 full policy years paid
• Suicide within 12 months limits payout to 100% of premiums paid or surrender value, whichever is higher
• No maturity benefit payable on survival till policy end
• No policy loan facility available

Best For

Hidden Clauses - Read Carefully

• Suicide exclusion during first 12 months
• Terminal illness subject to policy definitions and medical assessment
• Increasing cover subject to underwriting approval
• FlexiPay available only after eligibility conditions are met
• Misrepresentation or non-disclosure may lead to claim rejection

Best For

Hidden Clauses - Read Carefully

• Suicide exclusion applies during first 12 months
• Critical illness rider subject to waiting periods and definitions
• Terminal illness benefit is accelerated and reduces death benefit
• Special Exit Value available only under eligible variants and conditions
• Accidental death rider exclusions apply for war, criminal acts and hazardous activities
• Policy revival subject to underwriting approval

Best For

Hidden Clauses - Read Carefully

• Suicide exclusion applies during first 12 months
• Terminal illness benefit is an acceleration of death benefit and not an additional payout
• Terminal illness payout capped at ₹2 Crore under policy terms
• Premium Holiday can be used only after completing 5 policy years
• Auto Cover Continuance available only after payment of 3 full policy years
• Accidental disability must persist for at least 180 days for claim eligibility
• Critical illness claims subject to rider-specific waiting periods
• Non-disclosure of smoking or medical history can impact claim settlement