Limited Payment Anticipated Endowment Plan

Dhan Sambriddhi (Limited Payment Anticipated Endowment Plan)

Salient Features :

1. This policy will acquire paid-up value or surrender value
2. This policy will be eligible for loan
3. This Policy will have maturity value
4. This policy will participate in profits
5. Minimum age at entry : 16 years
6. Maximum age at entry : 60 years
7. Term : 10,15,20 and 25 years
8. Maximum Policy Maturity Age : 70 Years
9. Minimum Sum Assured : Rs. 50,000
10. Maximum Sum Assured : According to the financial condition of the life to be assured
11. Premium Paying Mode : Single, Yearly, Half-yearly, Quarterly, Monthly

Extras/Rebates of Sum Assured Amount :
Rebates on Large Sum Assured

1. SA Up to Rs.500,000 : No Discount
2. SA Rs. 501000 to Rs 25,00,000 : Rs 0.5 in Basic Premium
3. SA Rs. 25,01,000 to Rs 50,00,000 : Rs 1 in Basic Premium
4. SA Rs. 50,01,000 to Rs 1,00,00,000 : Rs 1.5 in Basic Premium
5. SA Rs. 1,00,01,000 and above : Rs 2 in Basic Premium

Rebates/Extra on Mode of Payment

1. Yearly : 2 Percentage Rebate
2. Half Yearly : 1 Percentage
3. Quarterly : No Discount
4. Monthly : 5 percentage Extra

Death Benefits:
On Death Of Life Assured before maturity date of the Policy :

1. In case of single premium policy 2.5 times of basic Sum Assured + Bonuses declared on basic sum assured and vested in the policy and in case of regular premium policy basic sum assured +Bonuses declared and vested in the policy without deduction of survival benefits already paid.

Riders :

1. ADB : with additional price
2. ADB/PTD/PWB : with additional price

On Survival to:

Term 10 Years

1. 3 Yrs from commencement: 15 percent of basic sum assured
2. 6 Yrs from commencement: 25 percent of basic sum assured
3. 8 Yrs from commencement: 60 percent of basic sum assured

Term 15 Years

1. 4 Yrs from commencement: 30 percent of basic sum assured
2. 8 Yrs from commencement: 30 percent of basic sum assured
3. 12 Yrs from commencement:40 percent of basic sum assured

Term 20 Years

1. 4 Yrs from commencement: 15 percent of basic sum assured
2. 8 Yrs from commencement: 20 percent of basic sum assured
3. 12 Yrs from commencement: 25 percent of basic sum assured
4. 16 Yrs from commencement: 40 percent of basic sum assured

Term 25 Years

1. 5 Yrs from commencement: 15 percent of basic sum assured
2. 10 Yrs from commencement: 20 percent of basic sum assured
3. 15 Yrs from commencement: 25 percent of basic sum assured
4. 20 Yrs from commencement: 40 percent of basic sum assured

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