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Super Protect Plan
“Breathe easy! We have a plan for your dreams”
Stay #FutureFearless!!!
Super Protect Plan
“Breathe easy! We have a plan for your dreams”
KEY BENEFITS
Why this plan suits your needs
| STAGE | MINIMUM | MAXIMUM |
|---|---|---|
| Age At Entry | 0 | 60 years |
| Age At Maturity | 18 years | 75 years |
Life Cover Multiple
| 10 times of Annualized premium for age up to 50 years |
| 5 times or 10 times Annualized premium for age equal to or higher than 50 years |
Premium Paying Term (PPT)
| 6,8,10 and 12 Pay |
Policy term (PT)
| Minimum | Maximum |
|---|---|
| 15 years | 40 years |
Sum Assured
| Minimum | Maximum |
|---|---|
| 5,00,000/- if Life cover multiple is 10 | No Limit, as per Board Approved Underwriting Policy |
Premium Payment Frequency
| Yearly, Half-Yearly & Monthly |
Income Payout Frequency
| Yearly, Half-Yearly & Monthly |
Premium
| Minimum | Maximum |
|---|---|
| 50,000/- | No Limit, as per Board Approved Underwriting Policy |
Deferment Period
| 0 or 4 Years |
The above eligibility is for an individual who have not chosen Uninterrupted Income Benefit with Life Cover Multiple 10.
UIN (135N102V01)
For more details on plan eligibility, please refer to the sales brochure. sales brochure
| STAGE | MINIMUM | MAXIMUM |
|---|---|---|
| Age At Entry | 0 | 60 years |
| Age At Maturity | 18 years | 75 years |
Life Cover Multiple
| 10 times of Annualized premium for age up to 50 years |
| 5 times or 10 times Annualized premium for age equal to or higher than 50 years |
Premium Paying Term (PPT)
| 6,8,10 and 12 Pay |
Policy term (PT)
| Minimum | Maximum |
|---|---|
| 15 years | 40 years |
Sum Assured
| Minimum | Maximum |
|---|---|
| 5,00,000/- if Life cover multiple is 10 | No Limit, as per Board Approved Underwriting Policy |
Premium Payment Frequency
| Yearly, Half-Yearly & Monthly |
Income Payout Frequency
| Yearly, Half-Yearly & Monthly |
Premium
| Minimum | Maximum |
|---|---|
| 50,000/- | No Limit, as per Board Approved Underwriting Policy |
Deferment Period
| 0 or 4 Years |
The above eligibility is for an individual who have not chosen Uninterrupted Income Benefit with Life Cover Multiple 10.
UIN (135N102V01)
For more details on plan eligibility, please refer to thesales brochure
EVERYTHING ABOUT SUPER PROTECT PLAN
All your questions answered
This feature helps if you face financial difficulty in paying premiums.
- After paying 5 full years of premiums, if you miss premiums, you get up to 2 years of extended grace (within the revival period).
- Your life cover continues fully during this time, without penalty or interest.
- If death happens during this period, the Death Benefit is paid after deducting unpaid premiums (till end of that policy year).
- You can use the 24 months continuously or in parts.
- Not available in the last 2 policy years.
- To keep the policy beyond this period, all pending premiums must be paid.
If the Life Assured or Spouse passes away and has a girl child below 21 years, the plan supports her education and well-being.
- An additional 0.5% of Sum Assured per year (maximum ₹1 lakh per year) is paid for 5 years or until she turns 21, whichever is earlier.
- Paid as annual income only, separate from the Death Benefit.
- Not assignable — cannot be transferred to another party, even if the policy is assigned.
- Benefit is available only once, regardless of the number of daughters.
Your nominee can choose from the following options at the time of claim:
- 1.Lumpsum – Entire benefit is paid at once.
- 2.Regular Income for 10 years – Benefit is paid monthly over 120 months.
- 3.Combination of Lumpsum + Regular Income – Between 10%–90% of the benefit is paid as lumpsum, and the remaining as monthly income.
This lets you voluntarily exit the policy and take back your premiums.
- From the 30th policy year onwards, you can get 100% of Total Premiums Paid (including add-on premiums).
- Available only if:
- Policy term is ≥ 40 years
- Policy is in force with all premiums paid
- Not in the last 5 years of the policy
- On exit, you will get either SEV or Refund Value, whichever is higher.
- The policy ends after this payout.
If you survive till the end of the policy term, you will automatically get 5 years of additional life cover without paying any premium.
- During this period, if you pass away, your nominee will get the Sum Assured (up to ₹1 crore) in lumpsum.
- Available only if:
- Policy is in force with all premiums paid
- Policy term ≥ 25 years, and maturity age ≥ 75 years
- Applies only to the Life Assured (not spouse).
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