Group Endowment

It is a saving scheme (policy) that pays the sum assured, together with the accrued bonus if applicable, on death of a member covered under the scheme or on survival of a member until attaining retirement age.In the event of a member surviving to retirement age, may either get lump sum the sum assured or monthly pension at an agreed rate. Under this plan the rate of premium is fixed, converted into an actuarial equivalent to lump sum, required at the time of retirement .The rate of premium/ contribution is based on the age of the member.

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Pen-save Plan

This is the benefit (motivation) provided by employer to employees when they successfully complete the contracts. This product is suitable for all Organizations and companies with similar nature of providing gratuity or lump sum after a certain period of time. The best thing is to plan ahead, and the earlier we start the more time our savings will have to glow and hence the more prosperous our gratuity arrangement will be. Employers benefits includes

  • Attract and retaining employees
  • Motivated employees
  • Providing Security of and Savings for employees and their families
  • Potential increase of efficient/profit
  • Off-shouldering the task of managing the gratuity fund
  • Hassles in cash accumulation

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Whole Life Assurance

Under the whole life policy premiums are payable throughout the life time of the life assured and, as such the cheapest from the policy. The policy is eminently suited to meet the requirements of persons who desire to effect policies for the purpose of providing for payment of Estate duty.

The whole life with limited payments, is the best form of life assurance for family provision since it enables the life assured to pay all premiums during the ordinary vigorous and most productive years of the life, relieving him from the necessity of making payments later in life when might become a burden. Premium are payable for a selected of years or until death if it occurs within this period. If the life assured survives the premium paying period, the policy continues in full force, provided premiums have been paid, but no further premiums are required to be paid

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Term Assurance

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Ordinary Endowment Assurance

This product of assurance has both, protection and savings elements. It provides benefits on premature death of an employee or on retirement of the employee. The product is a bit expensive than Family income and Pure endowment because of its nature i.e. protection and/ or savings. “Whatever risk you are thinking about (death or retirement), the plan is there for you”

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Super Life Provider

  • For financial care of the family/dependants. It is beneficial both ways – in case the head of the family survives the insurance period or dies prematurely.
  • Where death occurs during the first 5 years of the policy period, the initial insured value (say 10,000,000/=) is paid instantly. In case of death during the second five years, the benefit due is one and a half time the initial insured sum (i.e. 15,000,000/=). Where death occurs after the first ten years, the dependants benefit twice the sum insured (i.e. 20,000,000/=). In case the policyholder survives the policy term, twice the benefit plus bonuses is received.
  • Additionally, for a small additional premium, the death benefit can be doubled for cases where death is caused by an accident. And the earlier one joins the policy the better, as the regular payments will be smaller.

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Anticipated Endowment Assurance (15, 20 And 25 Years)

This plan of assurance provide for lump sum benefits at periodical intervals. But in the event of death at any time within the selected term the full sum assured is payable without any deduction or adjustment for the amount that may have been paid earlier by way survivance benefit.

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Pure Endowment Assurance

This is also called pure endowment. It provides retirement benefit and serves as supplement of retirement pension. The benefit is only available on survival of the member after the period of insurance. “Sometimes pension is not always enough for us”. This product is much cheaper compared to Family income insurance policy as this has only savings element.

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Flexi Life Provider 9 Years

Flexi provider (9 years) facilitates provision of life assurance cover and a source of capital for investment.

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Credit Life Insurance

Credit life insurance is a life insurance policy designed to pay off a borrower's debt if that borrower dies. The face value of a credit life insurance policy decreases proportionately with an outstanding loan amount as the loan is paid off over time until both reach zero value.

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Fixed Term Endowment

This product is a conventional product, whereby level monthly premiums will be payable for a term selected at the outset of the policy. The policy will accrue bonuses during the premium paying term.

  • Term of assurance varying between 20 and 60 inclusive.
  • There is a compulsory waiver of premium benefit on the policy, whereby the premiums will continue until the end of the original premium paying term of the policy, should the policyholder die during the term of the policy. The maturity benefit will be paid to the estate of the policy holder.

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Super Education Provider


On maturity of the policy, the Sum Assured and accrued bonuses are paid by installments over 7 year’s period to provide fees for primary Education. ...... In case of death of parent/guardian during the policy/period, premiums are waived and benefits paid on the stipulated date of maturity. Read more

Junior Super Education

On maturity of the policy, the sum assured and accrued bonus are paid by annual installments over a 6 years period provide fees for Secondary Education.

Senior Super Education

On maturity, the plan pays the sum assured and accrued bonuses by annual installments over 3 years period to provide fees for University Education.

Combined Super Education Provider

Is basically a combination of Junior and Senior, the sum assured and accrued bonus are paid by annual installment over 9 years period to provide fees for Secondary and University Education.

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Family Income Protection

This product is a conventional whole life product, whereby monthly premiums will be payable for a term or until a specific age, selected at the outset of the policy.

On death of the policyholder, the sum assured is re-invested into an annuity certain, where the term of annuity is specified by policyholder in advance and payments are made monthly maximum 10 years. The policyholder is covered for the whole of life irrespective of the premium paying term.

There should be a minimum waiting period of 6 months during which, on death only a return of premiums will be paid.In the event of accidental death occurring during months 1 to 6, the whole sum assured should be paid out (i.e. this over rides the provisions given above)

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Family Protection Policy

It is a life policy that provides monthly income to beneficiaries from the date of death of the insured to date of maturity of the policy or maturity benefit if the policyholder survives to the maturity .The policy could be for a specific term or certain age set at inception of the policy.

Premium paying term range from 10 to 30 years.

  • An amount equal to 10% of SA plus 10% of accrued bonuses is payable on death of life assured.
  • Monthly income of 10% of sum assured until maturity date of the policy where the remaining 90% is payable.
  • Sum assured plus accrued bonuses is payable on maturity should the policyholder survive to maturity.

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