SHRIRAM SMART SURAKSHA CARD - Suraksha apni jeb mein
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SHRIRAM SMART SURAKSHA CARD - Suraksha apni jeb mein
In this policy, the investment risk in the investment portfolio is borne by the policyholder.
The Linked Insurance products do not offer any liquidity during the first five years of the contract. The policyholders will not be able to surrender/withdraw the monies invested in Linked Insurance Products completely or partially till the end of fifth year.
You have financial goals for yourself and the ones you love. You need a financial plan that helps you achieve these goals while protecting them in adverse situations.
Presenting the Shriram Life Golden Jubilee Plan, an insurance plan that combines protection with investments.
Stay invested for whole life or for a specified period of time, choose the type and level of cover that suits you and get unmatched flexibility with options to alter your policy term, premium payment term, sum assured, and premium.
In addition, the Shriram Life Golden Jubilee Plan offers smart features like Return of Mortality charge, Return of Premium Allocation charge and Wealth Booster additions to make the most of your investment. This plan also empowers you with full control over your investments by way of multiple investment funds and strategies that align with your risk appetite and personal preferences. You can also enjoy unlimited free switches/premium re-direction, top-up, partial withdrawals, and settlement options.
!starts from 10th year provided all premiums are duly paid
*Applicable T&C
$ Applicable as per extant tax laws
Life Goal
Life Goal allows policyholders to set and achieve specific financial goals during the policy term and align their life insurance coverage with their personal financial aspirations and helps them plan for important milestones in life.
Legacy
Legacy option allows policyholders to create a legacy for their loved ones by leaving behind a substantial wealth transfer and plan for the financial well-being of their future generations and leave a lasting impact on their family's financial future.
On Survival of the Life Assured up to the end of the policy term, the fund value will be payable where fund value is total of base premium fund value and Top-up premium fund value (if any)
The plan provides two options for death benefit out of which one can be chosen depending on the need of coverage.
Option I
In case of death of Life Assured during the policy term,
Option II
In case of death of Life Assured during the policy term,higher of
Higher of
will be paid to the nominee(s) or beneficiary(ies) and the policy will be terminated.
Under both the options the minimum death benefit shall be at least 105% of the total premiums received.
The sum assured shall be chosen by the policyholder at the time of proposal subject to the minimum and maximum sum assured as mentioned below.
# The partial withdrawals made during the two-year period immediately preceding the death of the life assured. The partial withdrawals made from the unit fund built from base premiums only shall be considered for this.
Minimum
30 Days
Maximum
Life Goal |
Legacy |
|
|---|---|---|
Option I |
For PT <= 20: 55 years |
NA |
Option II |
65 years |
|
(Age last birthday)
Maximum
Life Goal: 75 Years (age last birthday)
Legacy: 100 Years (age last birthday)
Minimum
10 years
Maximum
Life Goal: 30 Years (in multiples of 1 year)
Legacy: 100 minus age at entry
Life Goal |
Legacy |
|
|---|---|---|
Single Pay |
Single Payment |
NA |
Limited Pay |
Min:5 Years |
Min: 10 Years |
Regular Pay |
Same as Policy Term |
Same as Policy Term |
Minimum
Single
₹ 3, 00,000 for all policy terms
Limited & Regular
Yearly: ₹ 1, 00,000
Half-yearly: 50,000
Quarterly: 25,000
Monthly: ₹ 10,000
Maximum
No limit, subject to Board approved underwriting policy.
Regular & Limited
₹ 7, 00,000
Single
₹ 3, 75,000
10 times Annualized premium/Single premium, as per Board approved underwriting policy.
Disclaimers:
Unit Linked life insurance products are different from traditional life insurance products and are subject to the market risk factors.
The premium paid in Unit Linked life insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of the fund and factors influencing the capital market and the insured is responsible for his / her decisions.
Shriram Life is only the name of the Life insurance company and Shriram Life Golden Jubilee Plan is only the name of the unit linked insurance contract and does not in any way indicate the quality of the plan, its future prospects or returns.
Please know the associated risks and the applicable charges, from your insurance agent or the intermediary or policy document issued by the insurance company.
The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects or returns.
The past performance of the fund options is not indicative of future performance of these funds.
^Risk cover starts from date of commencement of policy for all lives including minors. In case of a minor life, the policy will vest in the Life Assured on attainment of age 18 years.
For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.
IRDAI Regn No. 128
CIN: U66010TG2005PLC045616
BEWARE OF SPURIOUS PHONE CALLS AND FICTIOUS/FRADULENT OFFERS
IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.
The Trade Logo displayed above belongs to Shriram Value Services Limited (“SVS”) and used by Shriram Life Insurance Company Limited under a License agreement.”
ARN: SLIC/Elec/May 2023/11
