Key Features

• Money-back plan with regular survival benefits
• Premium payment term is shorter than policy term
• Death benefit: Sum Assured + Loyalty Additions
• Survival benefits paid annually after initial years
• Maturity benefit: 110% of Sum Assured + Loyalty Additions
• Tax benefits under Section 80C and 10(10D)

Premium Payment Options

You can choose from different premium payment terms based on your policy term:

• 13-year policy: 11-year premium payment
• 16-year policy: 13-year premium payment
• 18-year policy: 15-year premium payment
• 20-year policy: 16-year premium payment
• 25-year policy: 21-year premium payment

Survival Benefits

This plan provides regular payouts during the policy term:

• For 13-year policy: 10% of Sum Assured yearly from year 3 to 12 (10 payments)
• For 16-year policy: 10% of Sum Assured yearly from year 3 to 15 (13 payments)
• For 18-year policy: 10% of Sum Assured yearly from year 3 to 17 (15 payments)
• For 20-year policy: 10% of Sum Assured yearly from year 3 to 19 (17 payments)
• For 25-year policy: 10% of Sum Assured yearly from year 3 to 24 (22 payments)

Maturity Benefit

At the end of the policy term, you receive:

• 110% of the Sum Assured
• Plus any Loyalty Additions declared by LIC
• Total survival benefits received during the term are separate from maturity benefit

Additional Benefits

• Accident Benefit Rider available (additional premium)
• Loan facility available after 3 years
• Tax-free maturity benefits under current tax laws