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The Ageas Federal Life Insurance Super Protect Plus Plan from Ageas Federal Life Insurance is a non-linked, non-participating term insurance policy that offers extended life coverage for up to 85 years. You can choose from two structures, Life Cover with Terminal Illness and Life Cover with Terminal Illness and Return of Premium.
The Ageas Federal Life Insurance Super Protect Plus Plan is designed for families with fluctuating incomes. That's why it comes with a 12-month Cover Continuance Benefit, allowing you to keep your cover running for up to a year without paying premiums.
However, the cover continuance is only applicable if you’ve completed three full policy years, and there’s no penalty or late fee. For long-term policyholders, the Special Exit Value returns 100% of premiums paid, i.e., if you decide to walk away or surrender the policy when you turn 60.
A pure protection variant that allows the nominee to receive the death benefit if the life assured dies during the policy term. Alternatively, if a terminal illness is diagnosed by a registered medical practitioner before death, up to ₹2 crore is paid in advance (nothing is payable if the life assured survives the term).
Life Cover with Terminal Illness and Return of Premium:This variant offers the same death and terminal illness cover as life cover with terminal illness. Additionally, 100% of premiums paid are returned at maturity if the life assured outlives the policy term. In case a terminal illness claim is already paid, the maturity benefit is adjusted proportionally.
A pure protection variant that allows the nominee to receive the death benefit if the life assured dies during the policy term. Alternatively, if a terminal illness is diagnosed by a registered medical practitioner before death, up to ₹2 crore is paid in advance (nothing is payable if the life assured survives the term).
Life Cover with Terminal Illness and Return of Premium:This variant offers the same death and terminal illness cover as life cover with terminal illness. Additionally, 100% of premiums paid are returned at maturity if the life assured outlives the policy term. In case a terminal illness claim is already paid, the maturity benefit is adjusted proportionally.
Every milestone you reach affects life insurance needs. The Ageas Federal Life Insurance Super Protect Plus is designed to embrace new changes without compromise, whether you’re buying a new home, becoming a new parent, welcoming a second child, or landing a new job.
Skip premium payments for up to 12 months and still stay fully covered after three years of uninterrupted premium pay. No interest, no late fee, and no break in protection either. Use the benefit more than once during the policy term, with at least a 5-year gap between two uses.
The plan includes a unique flexi grace feature. After paying premiums for five full years, you may access a two-year flexi grace window. Coverage continues without penalties or late fees. This feature strengthens the term plan grace period benefit. It allows you to stay protected even if your income becomes uncertain.
The default death benefit with Ageas Super Protect Plus is a lump-sum payment. However, the nominee can choose to receive the death benefit as a monthly income for 5, 10, 20, 30, or 40 years or a mix (like 70% monthly income and 30% lump sum). You can also change the benefit mode later if your life priorities change.
Ageas Federal Super Protect Plus Plan comes with a built-in wellness benefit for a second medical opinion for both ongoing treatments as well as new consultations from registered service providers.
Do you think your work, daily commute, or lifestyle is full of risks? Ageas Super Protect Plus plan allows adding both Accidental Death Benefit and Accidental Total Permanent Disability Benefit (each up to ₹2 crore additional cover) for an extra premium.
You can opt for the Critical Shield Rider during the policy purchase or at renewal to support the payout for the diagnosis of listed critical illnesses over and above the base sum assured. However, the Rider Premium Paying Term cannot exceed the outstanding PPT or the term of the base policy.
The earlier you buy term insurance, the better it is. Remember, the premium you pay stays locked at the age you enter the term plan. So, a 30-year-old buying a 40-year term policy enjoys today's rate for the next four decades of premiums he pays. Wait until 40, and the same life cover costs almost two times more!
If you want lifelong protection with the option to surrender and get a premium refund, go with the Return of Premium variant. Alternatively, if you like to have a low-cost life cover with a built-in safety net for terminal illness and an exit option at 60, go with life cover with the terminal illness option.
You can opt for the Critical Shield Rider during the policy purchase or at renewal to support the payout for the diagnosis of listed critical illnesses over and above the base sum assured. However, the Rider Premium Paying Term cannot exceed the outstanding PPT or the term of the base policy.
The earlier you buy term insurance, the better it is. Remember, the premium you pay stays locked at the age you enter the term plan. So, a 30-year-old buying a 40-year term policy enjoys today's rate for the next four decades of premiums he pays. Wait until 40, and the same life cover costs almost two times more!
If you want lifelong protection with the option to surrender and get a premium refund, go with the Return of Premium variant. Alternatively, if you like to have a low-cost life cover with a built-in safety net for terminal illness and an exit option at 60, go with life cover with the terminal illness option.
The Ageas Federal Life Insurance Super Protect Plus plan differs from standard term insurance in terms of what happens before filing a death claim. If one’s diagnosed as suffering from a terminal condition by a registered medical practitioner (particularly those conditions where survival likelihood is under six months), the Ageas Federal Life Insurance Super Protect Plus plan is designed to pay up to ₹2 crore within one's lifetime.
For a fairly large sum assured, the balance is paid to the nominee after the death of the policyholder, and all future premiums are waived at the next renewal date.
The Special Exit Value (SEV) for Ageas Federal Life Insurance Super Protect Plus plan is an option to walk away from the policy and get all your premiums back. The special exit option is only available under the Life Cover with Terminal Illness option and not the Return of Premium (ROP) variant.
One can exercise the Special Exit option under the Ageas Federal Life Insurance Super Protect Plus plan within the first five years of the policy and when the life assured has turned 60. However, there are a few other conditions, like:
On exit, one shall receive the higher of SEV (100% of premiums paid) or the Refund Value and the policy ends immediately after the payout.
The default death benefit payout option under Ageas Super Protect Plus plan is a lump sum. However, a nominee is free to choose the death benefit payout during claim, either as regular monthly income for 5, 10, 20, 30 or 40 years or a combination like 10% to 90% as lump sum (in multiples of 5%) and the rest as monthly income.
The maximum entry age for Ageas Federal Life Insurance Super Protect Plus plan is 65 years, and the coverage can continue up to age 85.
Yes, you can take a loan against the Ageas Federal Life Insurance Super Protect Plus plan, but only under the Life Cover with Terminal Illness and Return of Premium option and once the policy has acquired a Guaranteed Surrender Value. However, note that the pure term variant doesn't have any surrender value, so there’s no loan available. The minimum loan you can get is ₹5,000, and the maximum is 75% of GSV, less any outstanding loan and interest. The current interest rate is 8.80% per annum and is reviewed every 6 months on 1 February and 1 August.
If you miss a premium for Ageas Federal Life Insurance Super Protect Plus Plan, you get a 30-day grace period (15 days for monthly mode), during which the policy will stay in effect. Post the grace period, you can either request the Cover Continuance Benefit in advance to defer payment for up to 12 months or let the policy lapse and revive it within 5 years by paying outstanding premiums plus interest. However, it all depends on where you are currently with your policy. For example, if you’re somewhere between years 1 and 3, the policy lapse brings no benefits, whereas from year 4 onwards, you’re entitled to the paid-up or lapsed with refund value, depending on the plan option.
This sales literature gives only the salient features of the Ageas Federal Life Insurance Super Protect Plus Plan. It uses easy-to-understand language to explain the features. Your plan is governed only by the full legal terms, conditions and exclusions as contained in the policy document. There are riders attached to this plan. Please read the policy document for more details. Ageas Federal Life Insurance Super Protect Plus Plan is a Non-linked, Non-participating, Individual, Pure Risk Premium and Savings Life Insurance Plan (UIN:135N102V01). The product is underwritten by Ageas Federal Life Insurance Company Limited (IRDAI Regn. No 135; Corporate Identity Number (CIN) - U66010MH2007PLC167164) having its corporate and registered office at: Ageas Federal Life Insurance Company Limited, 22nd Floor, A Wing, Marathon Futurex, N. M. Joshi Marg, Lower Parel – East, Mumbai – 400013. Website: www.ageasfederal.com. Toll-Free: 1800 209 0502. Trade Logo displayed above belongs to The Federal Bank Limited and Ageas International Insurance N. V. and used by Ageas Federal Life Insurance Company Limited under license from respective partners. Ageas Federal Life Insurance Company Ltd. does not assume responsibility on tax implication.
#18-year-old healthy non tobacco consuming male with policy term 10 years and Premium payment term for 10 years
A Non-Linked Non-Participating Individual Pure Risk / Savings Life Insurance Plan (UIN: 135N102V01)
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