Wealth Builder

• Multiple portfolio strategies: Choose a personalized portfolio strategy from
  • Fixed Portfolio Strategy: Option to allocate your savings in the funds of your choice
  • LifeCycle based Portfolio Strategy: A unique and personalized strategy to create an ideal balance between equity and debt, based on your age
  • Trigger Portfolio Strategy: A unique portfolio strategy to protect gains made in equity markets from any future equity market volatility while maintaining a pre-defined asset allocation
• Flexible premium payment options: At inception you can choose to either pay premium throughout the policy term or for a limited period
• Top up: Flexibility to invest surplus money over and above your regular premiums
• Loyalty Additions: Paid at the end of every policy year, starting from the 10th policy year, on payment of all due premiums
• Tax Benefits: On premiums paid and benefits received, as per prevailing tax laws

• Maturity Benefit: At maturity, the Fund Value including the Top up Fund Value, if any, shall be payable. Alternatively, you can opt for the Settlement Option available.
• Death Benefit: In the unfortunate event of death of the life assured during the term of the policy, the nominee shall receive Sum Assured plus Fund Value including Top up Fund Value, if any, subject to Minimum Death Benefit. The Minimum Death Benefit is 105% of the total premiums (including top-up premiums) paid. Minimum death benefit will not be reduced by partial withdrawals.
• Loyalty Additions: Starting from the end of the tenth policy year, provided all due premiums have been paid, a loyalty addition shall be allocated as units at the end of every policy year. Loyalty additions are guaranteed and shall not be taken back in any circumstances. This Loyalty Addition will be calculated as a percentage of the average of Fund Values on the last day of the eight policy quarters preceding the said allocation. The Loyalty Addition for various Premium Payment Options is shown below:

*The term 'Pay' denotes number of years for which the premium should be paid into the policy. For example, 'Regular Pay' requires premium payment for the entire policy term; '5 pay' requires payment of premium for a period of only 5 years.
Loyalty Additions would be made by allocation of extra units at the end of the year

We offer several options for you to buy as per your convenience. Choose from one of the following:

• Send Me an Advisor
• Visit your nearest branch
• Chat with an executive