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Joint Life(Dampati Surachha Plus)

Features of Joint Life Plus(Dampati Surakchha Plus)


1. Name of Life Insurance           : Joint Life Plus(Joint Endowment) Life Insurance

2. Participating/Non participating in Profit            : This policy will participate in profit

3.Minimum Entry Age                   : 18 Years

4.Maximum Entry Age                   : 65 Years

5.Maximum Age of Maturity         : 70 Years

6.Minimum Policy Term                : 5 Years

7.Maxmimum Policy Term             : 30 Years

8.Minimum Sum Assured               : Rs.50,000/-

9.Maxmimum Sum Assured           : Based on the earning/financial condition of life insured

10.Premium paying mode               : Yearly, Half Yearly, Quarterly and Monthly

12. Rebate on the basis of Sum Assured:

Rebate on Large Sum Assured

Sum Assured


From Rs. 2,01,000/- to Rs. 5,00,000/-

Re. 1 per thousand

Rs. 501,000 and above

Rs. 2 per thousand


13. Rebate on the basis of premium payment method:                      



Yearly Payment

2 percent discount

Half Yearly Payment

1 percent discount

Quarterly or Salary Saving Scheme(SSS)

No discount

Monthly Premium Payment

5 Percent Additional


14. Age Calculation:

The highest age among husband and wife will be taken as the basis for premium calculation


15.Terms and Conditions of Payment :

Payment will be made on the basis of below mentioned conditions:

1.Incase of death of any one life, the sum assured and earned bonus will be paid as mentioned below:





Incase of death of any life within 5 years of commencement of policy

100 percent of Sum Assured


Incase of death of any life within 6(From 6 years onwards) to 10 years of commencement of policy

150 percent of Sum Assured


Incase of death of any life within 11(From 11 years onwards) to 15 years of commencement of policy

200 percent of Sum Assured


Incase of death of any life within 16(From 16 years onwards) to 30 years of commencement of policy

250 percent of Sum Assured

2.Incase of death of another life, the sum assured as as mentioned above will be paid.

3.Incase of survival of any one life,additional sum assured will be paid.

4.Incase of survival of both life, sum assured and earned bonus will be paid.

16.The below mentioned Optional Rider is available with this policy:

a) Accidental Death Benefit(ADB)

b) Accidental Death Benefit(ADB)+Permanent Total Disable(PTD)

c)Accidental Death Benefit(ADB)+Permanent Total Disable(PTD) and Premium Waiver      


First Policy Issued Date: 8th January 2019

* Terms and Conditions will be applicable.