Edelweiss Tokio Life – Wealth Plus

[Unit Linked, Non-Participating, Individual, Life Insurance Product]

IN THIS POLICY, INVESTMENT RISK IN INVESTMENT Plan has the potential to create
PORTFOLIO IS BORNE BY THE POLICYHOLDER wealth & provide financial security
to family through life cover !
Reasons to Buy

Life Provides financial support to the family in case of an unfortunate demise

Cover of the bread earner (life insured) to maintain their lifestyle.

Enhances the Fund Value by way of Extra Allocations & Premium

Additional
Boosters made throughout the premium paying term, in addition to
Allocations
allocation of 100% paid premiums.

Investment Offers the flexibility to choose the investment strategy to accomplish

Strategy ones financial goal.

Effective Charge Enables to benefit from the effective charge structure due to Premium
Structure Allocation Charge and Policy Administration Charge being Nil.

Rising Star Helps to secure child’s future financial needs even in the absence of
Benefit Option parent.

Plan Enables to make partial withdrawal, switching, premium redirection,

Flexibilities top-up, unlimited opt-in and opt-out between Investment Strategies.

Key Benefits
Flexibility to Choose Investment Strategy
Policyholder has to choose one of the below Investment Strategies for the investment of funds:
I. Life Stage & Duration Based Strategy
• Under this strategy, proportion of fund value will be allocated in Equity Large Cap Fund & Bond Fund.
• This strategy ensures money is moved automatically from equity oriented fund to debt oriented fund
progressively as the age increases and remaining policy term reduces.
• Company automatically rebalances the proportion between the two funds on each Policy Anniversary
without active involvement of the policyholder.
II. Self – Managed Strategy
• This strategy is suitable for an active investor who prefers control over convenience.
• Under this strategy, policyholder decides to invest premiums in his/her choice of available 7 funds and
the proportion for investment of funds.
• Policyholder can take the benefit of unlimited free switches and premium redirection.
Additional Allocations

• Plan provides additional allocation to the fund for every premium received within the grace period.
• Additional Allocations are made in the form of Extra Allocation and Premium Booster.
Type of Additional Additions made Additions are made as a % of Additions are added to the
Allocation during the Policy Year Premium Received (modal) Fund (every year)
along with the premiums
Extra Allocation 1 to 5 1%
received
6 to 10 3%
at the end of each policy
Premium Booster 11 to 15 5%
year
16 to 20 7%
Maturity Benefit
On survival of the life insured till the end of policy term, Fund Value becomes payable as Maturity Benefit.
Policyholder has the option to receive the Maturity Benefit in lump sum or in instalments by choosing the
settlement option.
Death Benefit
On death of the life insured during the policy term, following death benefit becomes payable to the
nominee in lump sum:
Highest of: Highest of:
• Fund Value Or • Top-up Fund Value Or
• Sum Assured less relevant partial withdrawals* Or
• 105% of total premiums paid
+ • Top-up Sum Assured Or
• 105% of total Top-up premiums paid

*Sum of Partial Withdrawals made during the two year period immediately preceding the date of death of
the Life Insured. Partial Withdrawals made from the Top-up Fund shall not be deducted for this purpose.

Rising Star Benefit Option

This option provides the below additional benefit in the event of death of the policyholder (parent)
during the policy term:
#Lumpsum Amount = AP X AP multiple
Lumpsum # amount becomes payable immediately
as mentioned below:
+
Sum of all the future modal Premiums, if any shall be Entry Age of Annualized
credited to the Fund Value Policyholder Premium
+ at Inception Multiple
Policy will continue till maturity or death of the life
insured,whichever is earlier 18 – 40 years 10
+
No future premiums are required to be paid 41 – 44 years 9

+ 45 – 50 years 5
Future Extra Allocation and Premium Booster will be
added to Fund Value as and when due
+ 51 – 55 years 4
Maturity Benefit becomes payable on maturity AP= Annualized Premium

Note: This option can be chosen only if life insured is a minor and can be opted only at the policy inception.

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: 1800 212 1212 | Fax No.: +91 22 6117 7833 | www.edelweisstokio.in
IRDAI Reg. No.: 147 | CINU66010MH2009PLC197336 | UIN:147L055V03| Advt No.: OP/0573/Feb/2020
Disclaimer:
Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. Edelweiss Tokio Life
Insurance is only the name of the Insurance Company and Edelweiss Tokio Life – Wealth Plus is only the name of A Unit Linked, Non-Participating,
Individual, Life Insurance Product and does not in any way indicate the quality of the contract, its future prospects, or returns. The various funds offered
under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. Please
know the associated risks and the applicable charges from your Personal Financial Advisor or the Intermediary or policy document of the Insurer. The
premium paid in unit linked life insurance policies are subject to investment risk associated with capital markets and the unit price of the units may go
up or down based on the performance of investment fund and factors influencing the capital market and the policyholder is responsible for his/her
decisions. Tax benefits are subject to changes in the tax laws. For more details on risk factors and terms and conditions please read the 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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