Edelweiss Tokio -Life -

Aapki Zaroorat
Retirement
Pension PlanFunding
Edelweiss Tokio Life – Cashflow Protection Plus | (A Non-Linked Participating Life Insurance Plan)
Overview:
We all wish for a regular and continuous flow of income in all stages of our life. However, most of the time achieving those over
increasing age & passage of time is not possible. With the life expectancy steadily increasing over the decades, many of us may
end up having a post-retirement life which could be almost equal to our working years. To avoid such a frightening scenario, we
must plan for our second innings of life well in advance so that we can live worry free for a life time.
Edelweiss Tokio Life - Cashflow Protection Plus enables an individual to sustain current standard of living and have a regular
taxfree flow of income till one is alive and empowers to pass on legacy to the generations to follow.

Product Description:
The Plan
• Is an individual, non-linked participating endowment insurance money back plan.
• Provides life cover till age 100.
• Provides lumpsum payout in the form of Accrued Reversionary Bonuses at the end of premium paying term or death
whichever is earlier.
• Provides regular payout in the form of Cash Bonus and Money Back, post the premium paying term till age 100 or death
whichever is earlier.
• Provides guaranteed lumpsum payout on survival till age 100.
• Provides the benefit to pay premiums for a limited period and enjoy benefits for a long term.
• Provides the option to enhance protection through a wide range of 6 Riders.
• Allows to avail tax benefits under section 80C and 10(10D) of the Income Tax Act ,1961, as per the then prevailing tax laws.
Key Benefits:
Survival Benefit
On survival of the life insured during the policy term, he/she is eligible for the below three benefits:
1. Reversionary Bonus
• Reversionary Bonus will accrue from the first policy year till the end of premium paying term and all the accrued
Reversionary Bonuses are payable in lumpsum either on death or at the end of premium paying term, whichever is
earlier.
2. Money Back
• Money back payout is equal to 5.5% of the chosen Sum Assured on Maturity (SAM*) and the payout starts one year
after the premium paying term and is paid annually on every policy anniversary till maturity or death whichever is
earlier.
*SAM is the base Sum Assured chosen by the policyholder
3. Cash Bonus
• Cash bonus payout starts one year after the premium paying term and is payable at every policy anniversary till
maturity or death whichever is earlier.
Maturity Benefit
• On survival of the life insured up to age 100, the company pays Maturity Benefit as:

Sum Assured on Terminal Bonus, 105% of the Total Annualized

Higher of OR
Maturity (SAM) if any Premiums# Paid

# Annualized premium is the premium payable in a year by the policyholder, excluding the underwriting extra premiums and loadings for modal premiums, if any.

Death Benefit SAD will be higher of the following:

• On death of the life insured during the policy term, company pays • 11 times of the Annualized Premium
Death Benefit as: OR
• Minimum Guaranteed Sum Assured on
Maturity (SAM)
Sum Assured Accrued Reversionary
on Death (SAD) Bonus, if not paid Note: At any point of time the minimum
death benefit will be at least 105% of total
annualized premiums paid till date of death.
 Illustration:

Age of Life Insured (Male) 25 years

Sum Assured Rs. 5,00,000
Premium Paying Term (PPT) 15 years
Policy Term (PT) 75 years
Annualized Premium (excluding applicable taxes, if any) Rs. 46,225
Premium Payment Frequency Annual
Maturity Benefit
Rs. 7,28,044*

Accrued Reversionary Bonus paid in lumpsum From 16th policy year company pays Money Back Payout +
at the end of 15th policy year Cash Bonus Payout till Maturity
Guaranteed Money Back Payout - Rs. 16,50,000
Premiums paid for the term of 15 years
+
Cash Bonus Payout

1 15 16 75

Policy *Assuming Terminal Bonus is nil

Term

Boundary Conditions:
Below table shows the possible minimum entry age and
Criteria Minimum Maximum maximum entry age for different premium paying terms :

Age at Entry (Last Birthday) 91 Days 55 Years Premium Minimum Maximum

Paying Term Age at Entry Age at Entry
Age at Maturity (Last Birthday) 100 years
10 8 years 55 years
No limit, subject
Sum Assured Rs. 2,00,000 15 3 years 55 years
to underwriting
Annual Premium Rs. 9,835 No limit 20 91 days 50 years
Policy Term 45 years 100 years 25 91 days 45 years
Premium Paying Term 10/15/20/25 years

Premium Payment Frequency Annual, Semi Annual & Monthly

Edelweiss Tokio Life Insurance Company Limited

Registered Office: 6th Floor, Tower 3, Wing ‘B’, Kohinoor City, Kirol Road, Kurla (W), Mumbai 400070
Corporate Office: 4th Floor, Tower 3, Wing ‘B’, Kohinoor City, Kirol Road, Kurla (W), Mumbai 400070
Toll Free No.: 1800 212 1212 | Fax No.: +91 22 6117 7833 | www.edelweisstokio.in
IRDAI Reg. No.: 147 | CIN: U66010MH2009PLC197336 | UIN: 147N028V01 | Advt No.: OP/0079/Oct2018

Disclaimer: Edelweiss Tokio Life – Cashflow Protection Plus is only the name of the participating endowment life insurance plan 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 Personal Financial Advisor or the Intermediary. For more details on risk factors, terms and
conditions, please read sales brochure carefully before concluding a sale. Tax benefits are subject to changes in the tax laws.
Flower & Edelweiss are trademarks of Edelweiss Financial Services Limited; Tokio is Trademark of Tokio Marine Holdings Inc. and used by Edelweiss Tokio Life Insurance Co. Ltd. under license.

BEWARE OF SPURIOUS/ FRAUD PHONE CALLS!

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.