Edelweiss Tokio Life -

Active Income Plan

[An Individual, Non-Linked, Participating, Savings, Life Insurance Product]

Overview:
In the journey of life, we all strive to give our family the best lifestyle and to make all their dreams come true. However,
our ability to do this is limited by our income. What if there was a way in which you could create a second income
source that lasted up to age 99? Also, what if this asset could continue to provide income for your family’s dreams,
even in your absence?
Edelweiss Tokio Life - Active Income Plan is designed to provide regular income to you and your family and life
insurance cover to protect your family from any financial loss in case of an untimely death.

Reasons to Buy:

Life Cover
Secures family’s financial future in case of an unfortunate demise of the bread earner (life insured).

Income Benefit
Provides Regular Income in the form of Guaranteed# Income & Cash Bonus$ (if declared).

Income Option
Allows you to choose between Early Income or Deferred Income options as per your needs.

Guaranteed Income Type

Gives the flexibility to decide whether you want to receive Level or Increasing Guaranteed# Income.

Family Income Benefit

Ensures your family’s dreams are met even in case of any eventuality by continuing to provide the
planned benefits.

Policy & Payment Term Options

Provide the flexibility to benefit from long term Life Cover up to age 75/85/99 by paying premium
for limited term of 5/8/10/12 years.
Tax Benefit
Helps you avail tax benefit under section 80C and 10(10D) of the Income Tax Act, 1961.
Tax benefits are subject to changes in the tax laws.

Key Benefits:
Income Benefit
• Comprises of Guaranteed# Income & Cash Bonuses$ (if declared) and is provided under both the Income Options.
• Becomes payable Annually in the form of cash.
Income Option
• Provides flexibility to the policyholder to choose from one of the below options at the policy inception.
I. Early Income Option II. Deferred Income Option

Under EARLY Income Option Under DEFERRED Income Option

Guaranteed# Income pay-out starts from 2nd Guaranteed# Income pay-out starts from the Policy
Policy Anniversary and is payable till Maturity or Anniversary falling immediately after the Premium Paying
Death* of the life insured, whichever is earlier. Term & is payable till maturity or Death* of the insured,
which ever is earlier.
Under both the options, Cash Bonus$ (if declared) pay-out starts from the Policy Anniversary falling immediately after
the completion of Premium Paying Term and will be paid till Maturity or Death* of the insured, whichever is earlier.
#
Applicable only if all due premiums are paid and the policy is in-force.
$
Cash Bonus is a non-guaranteed bonus which may be payable based on the performance of the participating fund of the Company, only if the
policy is in-force
*
In case Family Income Benefit is not opted.
Guaranteed Income Type
Below are the two Income Types available under the plan:

LEVEL Guaranteed# Income INCREASING Guaranteed# Income

• Remains the same throughout the pay-out period. • Increases annually throughout the pay-out period.
• Will be equal to 1.5% of Sum Assured on Maturity. • Will be equal to 0.75% of Sum Assured on Maturity &
thereby increases annually by 5%.
• Is available with both Early & Deferred Income options. • Is available ONLY with Deferred Income option.
#
Applicable only if all due premiums are paid and the policy is in-force.
Family Income Benefit Option
Provides financial support to you and your loved ones in case of :
Insured getting Diagnosed with Covered
Death of the Insured during the Policy Term Critical Illness(CI) & surviving for 30 days
from the date of diagnosis

Following benefit becomes applicable: Following benefit becomes applicable:

Sum Assured on Death (SAD) becomes payable in Plan continues as in-force policy till maturity
lump sum to nominee.
OR
Plan continues as in-force policy till maturity No future premiums are required to be paid

No future premiums are required to be paid Income Benefit, Death Benefit and Maturity Benefit
pay-outs under the policy will continue to be made as
Income Benefit continues to be paid as & when due and when due

Maturity Benefit becomes payable on maturity

Note: This option can be opted only at the policy inception and is available subject to Board Approved Underwriting Policy.

Maturity Benefit
On survival of the life insured till the date of maturity, Maturity Benefit becomes payable in lump sum.

Sum
Maturity Assured Terminal
on Maturity Bonus^ ,
Benefit if any
(SAM)

Death Benefit
On death of the life insured during the policy term death benefit becomes payable in lump sum & the policy terminates.
Income
Sum
Benefit Terminal
Death Assured
applicable
on Death Bonus^,
Benefit* for the Policy if any
(SAD)
Year

Note: Minimum death benefit shall be 105% of the Total Premiums Paid up to the date of death.
*
In case Family Income Benefit Option is not chosen.
^
It is an amount which may be payable based on the performance of the participating fund, either on death or maturity. For Family Income Benefit, terminal bonus,
if declared, will be payable only on maturity.

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: 147N065V01 | Advt No.: OP/0831/Jul/2020
Disclaimer: Edelweiss Tokio Life – Active Income Plan is only the name of an individual, non-linked, non- par, pure risk premium, life insurance product 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
and terms and conditions, please read sales brochure carefully before concluding a sale.
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.

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