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Wealth Accumulation
Edelweiss Tokio Life – Income Builder | [Non Linked, Non-Participating Endowment Life Insurance Plan]
Overview:
You are always striving to fulfill the dreams & goals of your family and loved ones, like higher education or wedding of your children,
or a self-reliant retirement. However, life also has its share of uncertainties and risks. In a world which is ever changing, there’s
finally one thing that won’t change - your financial security.
With Edelweiss Tokio Life - Income Builder, we aim to help you build financial reserves for all expected and unexpected scenarios in
the future. Additionally this plan has an option that will ensure that family continues to receive a steady stream of income in case of
an unfortunate demise of the Life Insured or in case of suffering from any covered Critical Illness.

Key Benefits:
Plan Options
Policyholder has to choose one of the below plan options at the application stage:

1) Base Option

Under this option following benefits are provided:

Payout on Maturity
On survival of the life insured till the end of policy term:
• Maturity Benefit becomes payable during payout period as per the Maturity Benefit Option chosen.
Payout on Death
On death of the life insured:
During the Policy Term:
• Sum Assured on Death becomes payable to the nominee in lump sum and the policy terminates.
During the Payout Period:
• Nominee will continue to receive the payouts as per the Maturity Benefit Option chosen.

2) Secured Income Option

Ensures that the family continues to receive a steady stream of income in any one or all of the following events happening to the
life insured during the policy term:
1. Death 2. Diagnosis of covered Critical Illness
Pay-out on Maturity
On survival of the life insured till the end of policy term:
• Maturity Benefit becomes payable during the payout period as per the Maturity Benefit Option chosen.
Pay-out on Death /Diagnosis of Critical Illness
On death of the life insured during the policy term:
• Sum Assured on Death becomes payable to the nominee in lump sum
• Future premiums are waived off
• Maturity Benefit becomes payable to the nominee as per the Maturity Benefit Option chosen during the payout period
On diagnosis of covered Critical Illness (CI) during Policy Term:
• Critical Illness Sum Assured* becomes payable on survival of 30 days following the date of diagnosis
• Future premiums are waived off
• Insurance cover continues for the remaining policy term
• Maturity Benefit becomes payable to the policyholder as per the Maturity Benefit Option chosen during the payout period
On death of life insured post diagnosis of covered Critical Illness during the Policy Term:
• Sum Assured on Death becomes payable in addition to the applicable benefits under diagnosis of Critical Illness as stated
above.
*Critical Illness Sum Assured: 5 x Annualized Premium

Sum Assured on Death – Regular Pay Option Sum Assured on Death – Single Pay Option
Highest of the following: Highest of the following:
• 10 times of Annualized premium$ Or • 125% of Single premium if age at entry of life insured is
• 10 times of the Annual Premium# Or <45 years or 110% of Single premium if age at entry of
• Maturity Sum Assured* Or life insured is >=45 years OR
• 105% of all the premiums paid till date of death • Maturity Sum Assured*
$Annualized premium is the premium paid in a year, excluding the underwriting extra premiums and modal loadings, if any and applicable taxes.
#Annual premium is the premium paid in a year, including modal loadings and the underwriting extra premiums, if any, excluding applicable taxes.
* Maturity Sum Assured is the present value of Regular Income Instalment /Lumpsum payouts as per the Maturity Benefit Option chosen at the interest rate of
8% per annum as at date of maturity.
Maturity Benefit Option
Policyholder needs to choose one of the below Maturity Benefit Options at the application stage. Based on the option
chosen, the Maturity Benefit will be paid either as:

Regular Income Or Regular Income + Lump sum

Under this option Regular Income Installment is paid in Under this option Regular Income Installment is paid in
the payout frequency as chosen by you during the the payout frequency as chosen by you during the
payout period. payout period. In addition a Lumpsum Payout shall be
payable with the last Regular Income Installment.
Regular Income Instalment and Lumpsum Payout are a % of Annualized Premium.
Option to choose the Payout date
Policyholder has the option to choose the payout date and can advance the first payout date by a maximum of 30 days.

Boundary Conditions:
Criteria Base Option Secured Income Option
Minimum Entry Age (Last Birthday) 18 - Policy Term 18 Years
Maximum Entry Age (Last Birthday) 55 Years 50 Years
Minimum Maturity Age (Last Birthday) 18 Years 24 Years
Maximum Maturity Age (Last Birthday) 67 Years 62 Years
Premium Payment Option Single Pay / Regular Pay Regular Pay
Single Pay : 6 / 8 / 10 / 12 years 7 / 10 / 12 years
Policy Term
Regular Pay : 7 / 10 / 12 years
Premium Paying Frequency Annual, Semi-Annual, Quarterly, Monthly
Income Payout Frequency Annual, Semi-Annual, Quarterly, Monthly
Single Pay : Rs. 1,00,000 Regular Pay: Rs. 30,000 (Annual)
Minimum Premium
Regular Pay: Rs. 30,000 (Annual)

Illustration:
Age of life insured 30 years (Male) Annualized Premium (excl. taxes) Rs. 1 lakh
Plan option Secured Income Policy Term/ Premium Paying Term 10 years
Premium Payment option Regular Pay Payout Period 15 years
Premium Payment Mode Annual Maturity Benefit Option Regular Income

Total Maturity Payout :

Total Annualized Premium Paid – Rs. 3 Lacs Pay-out of Rs. 1,22,350
Rs. 18,35,250
Rs. 5 Lacs CI Future
Premiums
Rs. 10,64,445 made every year
Sum Assured paid as
Paid waived death benefit for 15 years

1 3 Policy Term 9 10 Payout Period 20

Total Payout made: Rs. 33,99,695

Diagnosed with a Death Occurs

covered Critical Illness
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 7100 4133 | www.edelweisstokio.in
IRDAI Reg. No.: 147 | CIN: U66010MH2009PLC197336 | UIN: 147N057V01 | Advt No.: OP/0028/Sep2018
Disclaimer: Edelweiss Tokio Life – Income Builder is only the name of the non-linked non-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. Tax benefits are subject to changes in the
tax laws. For more details on risk factors, 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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