Edelweiss Tokio Life -

Cashflow Protection Plus

[An Individual, Non-Linked, Participating, Savings, Life Insurance Product]
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 flow of income till one is alive and empowers to pass on legacy to the generations to follow.

Product Description:
The Plan
• Is a Non-Linked, Participating, Savings, Life Insurance Plan.
• Gives protection till age 100.
• Provides a lumpsum amount in the form of Reversionary Bonus$ at the end of premium payment term or
death, whichever is earlier.
• Makes regular payout in the form of Cash Bonus$ and Money Back, starting one year after the premium
paying term till age 100 or death, whichever is earlier.
• Provides a guaranteed^ lumpsum amount on survival till age 100.
• Enables to pay premiums for a limited period and enjoy plan benefits for a longer period.
• Provides an 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.
Tax benefits are subject to changes in the 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$
• Accrues from first policy year till the end of premium paying term, depending on the performance of the par fund.
• Becomes payable in lumpsum either on death or at the end of premium paying term, whichever is earlier.
2. Money Back
• Is a guaranteed^ annual payout, starting one year after the premium paying term and continues to be paid till maturity or
death whichever is earlier.
• Payout is equal to 5.5% of the Sum Assured on Maturity (SAM*).
3. Cash Bonus$
• Payout becomes payable annually along with the Money Back benefit.
• Is based on the performance of the par fund.
The guaranteed payout is applicable only if, all the due premiums are paid and the policy is in-force.
^

SAM is the base Sum Assured chosen by the policyholder.

*

Maturity Benefit
• On survival of the life insured till age 100, maturity benefit becomes payable.
Sum Assured on Terminal 105% of the Total Annualized
• Maturity Benefit = Higher of
Maturity (SAM) Bonus, if any
OR Premiums# Paid
# Annualized premium is the premium payable in a year, excluding applicable taxes, rider premiums, underwriting extra premiums & loadings for
modal premiums, if any.
Death Benefit
• On death of the life insured during the policy term, death benefit becomes payable and the policy terminates.
• Death Benefit = Sum Assured on Death (SAD) Accrued Reversionary Bonus, if not paid

SAD will be higher of the following

• 11 times of the Annualized Premium OR • Minimum Guaranteed Sum Assured on Maturity (SAM)
Note: At any point of time, minimum death benefit will be 105% of the Total Premiums Paid** as on date of death.
** Total of all the premiums paid excluding any extra premium, any rider premium & applicable taxes.
$
Bonuses are discretionary and not guaranteed and depends upon the performance of the participating fund. Please refer product brochure for more
details.
 Illustration:

Age of Life Insured 25 years (Male)

Sum Assured Rs. 5,00,000
Premium Paying Term (PPT) 15 years
Policy Term (PT) 75 years
Annualized Premium (excluding applicable taxes) Rs. 46,225
Premium Payment Frequency Annual

Maturity Benefit
Rs. 7,28,044*
Accrued Reversionary Bonus$ paid in lumpsum
at the end of 15th policy year From 16th policy year company pays Money
Back Payout + Cash Bonus Payout till Maturity

Premiums Paid for 15 years Guaranteed Money Cash Bonus$

Back Payout - (if declared)
Rs. 16,50,000 Payout

Policy Term 1 15 16 75
*Assuming Terminal Bonus$ is nil
$
Bonuses are discretionary and not guaranteed and depends upon the performance of the participating fund.
Please refer product brochure for more details.

Boundary Conditions:

Below table shows the possible minimum &

Criteria Minimum Maximum maximum entry age for different premium
paying term options:
Entry Age (Last Birthday) 91 Days 55 Years
Premium Minimum Maximum
Maturity Age (Last Birthday) 100 years Paying Term Age at Entry Age at Entry

Sum Assured Rs. 2,00,000 No Limit 10 8 years 55 years

Policy Term 100 years less entry age of 15 3 years 55 years

Life Insured 20 91 days 50 years
Premium Paying Term 10/15/20/25 years 25 91 days 45 years
Annual Premium Rs. 9,835 No Limit
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: 147N028V02 | Advt No.: OP/0751/Jun/2020
Disclaimer: Edelweiss Tokio Life – Cashflow Protection Plus is only the name of an Individual, Non-Linked, Participating, Savings, Life Insurance Product and does not in any way indicate the quality
of the contract, its future prospects, or returns. Please know the associated risks and the applicable charges from your Personal Financial Advisor or the Intermediary. Tax benefits are subject to
changes in the tax laws. 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.
BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS
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.