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ENDOWMENT ASSURANCE

Endowment Assurance is the safest and surest method of guaranteed cash provision either at a specified time or at death. It serves the requirements of the family in various shapes by way of financial help at retirement, education of children or capital for business. Under these policies the Sum Assured plus bonuses is payable at the end of the specified number of years or at death of the assured if earlier. Premiums are payable for the specified number of years or till death, if earlier.

ENDOWMENT ASSURANCE WITH

FAMILY INCOME BENEFIT RIDER

By adding a Family Income Benefit (FIB) Rider to an Endowment Policy, assured secures much greater family protection at a little extra premium. For example, under Table 03, the tabular rate for a 20 years policy on a life aged 35 nearest birthday, is Rs. 49.20 per thousand, whereas with the addition of 15% F.I.B. Rider the premium comes to Rs. 57.99 and the cover increases initially by 300%. If death occurs at any time during the policy, the full basic sum insured of Rs. 1000/- (plus bonuses) will be paid immediately, PLUS an annual income benefit of Rs. 150/- to the nominee(s) for the remaining term. This annual income benefit can make all the difference to the bereaved family.

SPECIAL FEATURES

(i) Benefits under F.I.B. Rider have been increasing at every actuarial valuation.
(ii) Special Terminal Bonus is payable on Maturity, for each year in excess of 10 years (Max. Rs.200 per thousand Sum Assured).
(iii) F.I.B. Rider upto 25% entails no extra medical requirements.If a proposal is acceptable under non-medical scheme without F.I.B. Rider, it will be accepted under the same scheme upto 25% F.I.B. Rider. F.I.B. Rider upto 50% can be added at the maximum. For convenience sake, rates upto 15% & 25% F.I.B. Rider have been combined with basic premium rates and shown in the tables.

 

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