Definition of CTC: It is the sum assured which life insurance company will pay to the

nominee in case of death of the insured

Free Cover Limit (FCL): This is the sum assured limit which is provided by the insurance

company without medical examination / check-up

Riders Covered: This is an additional coverage over and above the base

coverages offered by the life insurance company

Critical Illness Rider: This is an additional coverage over and above the base

cover which will cover the named critical illness. The insurer

pay lump sum amount to the insured after diagnosing such

critical illness

Terminal Illness Rider: This is an additional coverage over and above the base

cover which will cover the illness which is incurable. After diagnosis,

the insured receives some percentage of the sum assured

Accidental Death Rider: This rider offers the insured an additional amount in lump sum

over and above the actual sum assured in case of accidental death

Suicide Exclusion Clause: Death due to committing suicide is covered from day one

Worldwide cover: The policy provides worldwide coverage in case of accidental death

for 24-Hrs / 365 days