Edelweiss Tokio Life Insurance New Product Launch & Analysis. Innovation & Market Research
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1 Edelweiss Tokio Life Insurance New Product Launch & Analysis Innovation & Market Research
2 List of Products Wealth Accumulation Cover Plus Wealth Accumulation Accelerated Cover Wealth Accumulation Comprehensive Cover Education Plan Protection Plan Income Replacement Plan Cash Flow Protection Plan
3 * ULIP with Guaranteed Additions Edelweiss Wealth Accumulation Cover Plus * Min/ Max Entry Age: 5/65 Years (Max Maturity Age: 75 Y) *Pli Policy Term : 10/15/20/25/30 years ; PPT: RP/LPPT: 5/7/10 years * Min/ Max Sum Assured : 10/ 25 * AP (depending upon age) * Death Benefit Fund value + SA * Maturity Benefit Fund value * Guaranteed Loyalty Additions Guaranteed Loyalty Additions (as % of Premium) : At end of year 8-9: 2% ; At end of year 10-13: 3 to 4% (depending upon premium band & term) ; At end of year 14: 3 to 6% (depending upon premium band & term) ; Year 15+: 2% * Flexibilities: Premium Redirection ; Loan upto 40% of fund value; Changes in PPT and SA; Riders available (Waiver of Premium rider, ADB rider, ATPD rider, Term Rider )
4 Unit Plus Super v/s Edelweiss Wealth Accumulation Accelerated Cover PRODUCT NAME SBIL Unit Plus Super Edelweiss Tokio Wealth Accumulation Accelerated Cover RP/ SP RP/LPPT/SP RP/LPPT Age At Entry 7 65 Years (Max Maturity Age 75 Years) 5 65 years(max Maturity age: 75 years) POLICY TERM RP & LPPT : 10 Years or 15 to 30 Years ; SP : 5 /30 Years 10/15/20/25/30 Years(fixed) PPT Policy Term /LPPT(5/8/10 Y) /Single Pay Policy term /LPPT (5/7/10 Y) Premium Mode Yearly/ Single Pay M/Q/HY/Y Premium Amount Min RP : Rs 30,000/ 000/ ; LPPT : Rs 40,000/ 000/ ; SP : Rs 65,000/ Min: Rs 25,000(annual) Max Rs 1,50,000/ Max: No limit Riders Available Available Maturity Fund Value Fund Value Death Benefit Higher of Fund Value or SA Higher of Fund value or SA Guaranteed Additions RP: upto 75%; LPPT & SP: upto 25% Administration Charges RP: Y 1 5: Nil; Y 6 onwards: Rs 60 pm ; SP: Rs 50/ per month (as % of Premium) Depending Upon premium band & term Y 8 9: 2% ; Y 10 13: 3 to 4%, Y 14: 3 to 6%,Y 15+:2% Rs 50/ pm inflating 5% pa Premium Allocation Charges Y1 : 9%; Y2 &3 : 6.5% ; Y4 5: 6%; Y 6 7: 3.5%; Y8 10: 3%; Y11+: Nil ; SP: 3.00% Yr 1: 3 6%; Yr 2 5: 3 4% Yr 6 7:: 2%; Afterwards: Nil Flexibility Increase/Decrease in SA Premium Rdi Redirection ; Premium Redirection Loan upto 40% of fund value;
5 Edelweiss Wealth Accumulation Comprehensive Cover * ULIP with Guaranteed Additions * Min/ Max Entry Age: 5/65 Years (Max Maturity Age: 75 Y) *Pli Policy Term : 10/15/20/25/30 years ; PPT: RP/LPPT: 5/7/10 years * Min/ Max Sum Assured : 10/ 25 * AP (depending upon age) * Death Benefit Fund value + SA + Income Protection Benefit (10% AP paid each month for 120 months ) * Maturity Benefit Fund value * Guaranteed Loyalty Additions (as % of Premium) : At end of year 8-9: 2% ; At end of year 10-13: 3 to 4% (depending upon premium band & term) ; At end of year 14: 3 to 6% (depending upon premium band & term) ; Year 15+: 2% * Flexibilities: Premium Redirection ; Loan 40% of fund value; Changes in PPT and SA; riders available (Waiver of Premium rider, ADB rider, ATPD rider, Term Rider )
6 Edelweiss Tokio Education Plan * Non-linked non-participating p Life Insurance Plan with Guaranteed Additions * Min/ Max Entry Age: 21/65 Years.(Child Age: 0-17 years) * Max Maturity age: 75 Y (Max Maturity age of child: 30 Years) * Policy Term: Years, PPT: LPPT (5,7,10,15 Years) & RP * Sum Assured: Rs 2,50,000/ No Limit, Premium Paying Frequency : Y/HY/Q/M * Maturity Benefit : Maturity Payout Installments as per benefit plan, spread over a max of 6 Ys: Marriage (1 payout)/pg(2 payouts)/grad (4 payouts) /Intgrtd 5 Yr Degree( 5 payouts)/dual Degree ( 6 payouts) * Additional Guaranteed Amt (as % of SA): Depending on Policy Term(can be withdrawn anytime during payout period): Y: 25%; Y: 40%; Y: 50% * Death of Life Assured : SA+1% SA monthly till Maturity + Future Premiums waived. * Death of Child before LA: Premium m Refunded (excluding Extra & FYP); Policy can be continued. * Death of Child after LA: Benefits payable at discounted value. *Ridersavailable:Term, ADB and ATPD, ADB Rider along with inbuilt Waiver of Premium rider.
7 Edelweiss Tokio Protection Plan * Non-linked non-participating Term Plan * Min/ Max Entry Age: 18/60 Years. * Maturity age: 28 to 70 Y * Policy Term: Years ; Premium Payment Frequency: Annual only * PPT: Policy Term/SP/LPPT PPT [5, 10 (For term 20 Y and above), 15 (For term 25 Y and above)] * Sum Assured: Rs 15,00,000/ No Limit * Death Benefit : Sum Assured * Discounts available for non-tobacco users. * High Sum Assured Rebates. * Riders available: Waiver of Premium Rider, Accidental Death Benefit Rider, ADB and ATPD rider.
8 Edelweiss Tokio Income Replacement Plan * Traditional non-participating Term Plan with Income Benefit * Min/ Max Entry Age: 18/60 Years. * Maturity age: 28 to 70 Y * Policy Term: Years ; Premium Payment Frequency: Annual only * PPT: Policy Term/SP/LPPT PPT [5, 10 (For term 20 Y and above), 15 (For term 25 Y and above)] * Monthly Benefit: Rs 15,000/ No Limit * Sum Assured : Monthly Benefit * 12* Policy Term * Death Benefit : Monthly Benefit paid increasing at 5% pa till end of term or 5 Ys, whichever later * Maturity Benefit : NA * Discounts available for non-tobacco users. * High Sum Assured Rebates (i.e. High Monthly Benefit Discount)
9 Edelweiss Cashflow Protection Plan * Traditional Participating Endowment Plan with Limited Premium Payment Option * Min/ Max Entry Age: 5/65 Y ; Min/Max Maturity Age : 85/100 Years * Policy Term (Min/Max) : 85 less age at entry / 95 Years ; PPT : 10/15/20 Years * Min Annual Premium : Rs 5,702/No Limit * Min/Max Sum Assured : Rs 75,000/ No Limit * Guaranteed Death Benefit - SA+ Ga. Accrual Benefit (as %age of SA, depending on PPT and Year of Death) *SurvivalBenefit:Ga. Money Back (as 5%age of SA) payable from 7 th policy year(10y PPT)/10 th Policy Year(15Y PPT)/13 th Policy Year(20Y PPT) + Cash Bonus(if any) * Maturity Benefit: 110% SA (10Y PPT)/125% SA (15 Y PPT)/140% SA(20 Y PPT) * High Sum Assured & Female Life Rebates ; Loan Available * Riders Available: ABD Rider, ATPD rider, CI Rider, Term Rider, Waiver of Premium Rider
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