This rider helps your family tide over the difficult times in case you are not around by assuring a monthly income for a fixed period of 10 years.
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1 SUD Life Family Income Benefit Rider - Traditional A Traditional Protection Oriented Rider Star Union Dai-ichi Life brings you Family Income Benefit Rider - Traditional, which provides financial protection to your family in the event of your unfortunate demise. If protecting your family against financial liabilities is your main priority then SUD Life Family Income Benefit Rider - Traditional is the best way to go. Why choose SUD Life Family Income Benefit Rider - Traditional? Put your mind at ease about your family s future by taking care of your insurance needs and buying an additional rider along with your life insurance policy. This rider helps your family tide over the difficult times in case you are not around by assuring a monthly income for a fixed period of 10 years. How does the rider work? SUD Life Family Income Benefit Rider - Traditional will be offered as an add-on benefit to the base plan. The rider can be attached to the base policy at inception or on any Policy Anniversary, provided the base policy is In-force and all due premiums under the base policy are paid, subject to the satisfaction of age, policy term and other rider limitations. Rider Benefit 10% of the Rider Sum Assured will be paid* to the nominee/legal heir every year for a period of 10 years in case of unfortunate death of the life assured as follows: (10% of Rider Sum Assured)/12 will be paid at the end of every policy month following the date of death of the Life Assured and continuing for a period of 10 Years The rider benefit is payable over and above the benefit payable under the base plan. *provided the rider policy is in-force as on the date of death of the Life Assured Eligibility and Limits: Age: Minimum Entry Age: 18 years last birthday Maximum Entry Age: 60 years last birthday Maximum Maturity Age: 65 years last birthday or the maturity age of the base plan, whichever is lower Policy Term: Minimum: Single and Regular Pay: 5 years Limited Pay: Premium Payment term Plus 3 Years. Maximum: 30 years
2 The Rider Policy Term shall always be equal to the Policy Term of the Base Policy to which the rider is attached. In case where the rider is not attached at the inception of the policy, but is added at a later Policy Anniversaries, the Rider Policy Term should be equal to the outstanding Policy Term under the Base Policy. Premium Payment Term: Options available are Single Premium Regular Premium: Equal to the Policy Term Limited Premium: 5-25 years. The Rider Premium Paying Term shall always be equal to the Premium Paying Term of the Base Policy to which the rider is attached. In case where the rider is not attached at the inception of the policy, but is added at a later Policy Anniversaries, the Rider Premium Paying Term should be equal to the outstanding Premium Paying Term under the Base Policy. Rider Sum Assured: Minimum: Rs. 1,00,000/- per policy Maximum: Rs. 50,00,000/- per policy The rider benefit shall not exceed the Sum Assured under the base individual life insurance policy to which this rider would be attached. The maximum sum assured allowed under the rider is also subject to the condition that the total premiums for all the riders (non-health) attached to the base individual policy, shall not exceed 30% of the premium for the base plan. Rider Sum assured should in multiples of Rs.1,000/- Modes: Rider premium can be paid in Single/Yearly/Half Yearly/Quarterly/Monthly modes as per the base individual policy to which this rider would be attached. Monthly mode of premium payment is only available under ECS/SI mode. Following factors are applied to annual rider premium to convert to installment premium. Mode Annual 1 Half-Yearly Quarterly Monthly Modal factor (for conversion from annual premium to instalment premium)
3 Terms and conditions: Grace A grace period of 30 days will be allowed for payment of quarterly/ half-yearly and yearly premium mode, and 15 days for monthly premium mode. If death occurs during the grace period, the benefit under the rider will be paid (subject to terms and conditions mentioned in the contract) after deduction of the rider premiums then due and all the rider premiums falling due during that policy year. Lapse If the policyholder has not paid the due premiums within the grace period, the policy becomes lapsed. Rider cover ceases and no benefits will be paid under the lapsed rider. Single Premium: Not Applicable. Regular Premium and Limited Premium: If the Rider Premium Payment Term (PPT) is less than 10 years: If the policyholder has not paid the due Rider premium within the grace period for the first two full years, the Rider policy becomes lapsed and Rider cover ceases immediately after the completion of grace period. No benefits will be paid under the lapsed Rider policy. If the Rider PPT is greater than or equal to 10 years: If the policyholder has not paid the due Rider premium within the grace period for the first three full years, the Rider policy becomes lapsed and Rider cover ceases immediately after the completion of grace period. No benefits will be paid under the lapsed Rider policy. Rider Policy once lapsed and not revived during the revival period cannot be opted again at anytime during the outstanding policy term of the base plan. Paid Up Benefit: Regular Premium and Single Premium: Not Applicable Limited premium: If the Rider PPT is less than 10 years: If the premiums due under this policy have been paid for at least first two full Years and subsequent premiums are not paid, then the policy will acquire Reduced Paid- Up status. If the Rider PPT is greater than or equal to 10 years: If the premiums due under this policy have been paid for at least first three full Years and subsequent premiums are not paid, then the policy will acquire Reduced Paid-Up status. On death of the Life Assured during the Policy term when the rider policy is in Paid-up status, the Nominee/Legal heir will be paid a Monthly Income Benefit for a fixed period of 10 Years. The Monthly Income Benefit is equal to (10% of Rider Paid Up Sum Assured)/12 and will be paid at the end of every
4 policy month following the date of death of the Life Assured and will continue to be paid for fixed period of 10 Years. The Rider Paid-Up Sum Assured is defined as follows: Total number of premiums paid Total number of premiums payable Rider SumAssured Surrender The Rider policy can be surrendered alone or along with the base policy and the Rider Surrender Value if any, will become payable immediately. However, Rider Policy once surrendered cannot be opted again at anytime during the outstanding policy term of the base plan For Regular premium, there is no surrender benefit payable. For Single Premium Rider Policy: The Single Premium payment Policy can be surrendered at any time during the Rider policy term. The surrender Value for Single premium payment is as follows: Surrender Value = 70% * Single premium (Excluding Service Taxes and Extra Rider premium, if any) * (Unexpired Rider Policy Term (In Days) / Total Rider Policy Term (In Days)) For Limited Premium Rider Policy: The Limited Premium Rider Policy acquires surrender value after receipt of first two full years premium if the Rider PPT is less than 10 years or after receipt of first three full years premium if the Rider PPT is greater than or equal to 10 years. Once the rider policy is surrendered, the surrender value, if any as defined below will become payable and the contract ceases immediately Surrender Value = 70% of the Total Premiums paid (excluding extra premium and Service tax, if any) x (Unexpired Rider Policy Term (in days)/ Total Rider Policy Term (in days) ) x (Number of premiums paid / Total Number of premiums payable) When the base policy is surrendered, the rider benefits will also be terminated immediately by payment of Surrender Value, if any. Revival/Reinstatement If the Rider policy alone is lapsed by the policyholder, the rider policy cannot be revived/reinstated during the outstanding term of the base plan. However, if the rider policy is lapsed along with the base policy, the rider policy can be revived along with the base policy, on submission of the satisfactory medical evidence as per the board approved underwriting guidelines applicable at that time.
5 However, revival/reinstated of the rider benefit will be subject to the terms and conditions applicable to the Rider policy and the base policy to which this rider is attached. Maturity Benefit/Loan: There is no Maturity Value under this rider. Policy loan is not available under this rider. Termination of Rider Cover: The Rider Cover will be terminated on the occurrence of any one of the following events below: On the date of intimation of death of the Life Assured Lapse or Surrender of the base policy Completion of rider policy term Lapse of Rider Policy Termination of Rider Policy: The rider policy will terminate on occurrence of the earlier of any one of the following events: The date on which the final Monthly Income Benefit is paid The date on which the base policy is surrendered Completion of rider policy term On Cancellation or Surrender of the Rider Policy. On death of the Life Assured covered under this Rider and the subsequent settlement of the claim by the Company Under any of the circumstances leading to the termination/cancellation of the Base Policy to which this Rider is attached, in accordance with the terms and conditions of the Base Policy When the coverage under the Base Policy to which this Rider is attached expires due to maturity/settlement of a claim. Exclusions: No Exclusions under the rider policy Suicide Clause: In the event the Life Assured commits Suicide, whether sane or insane at that time, within twelve months from the date of inception of Rider Policy, the rider cover shall be void and the nominee or beneficiary of the policyholder shall be entitled to 80% of the premiums paid (excluding extra premiums and taxes) till the date of death of the Life Assured, provided the policy is in force. In the event the Life Assured commits Suicide, whether sane or insane at that time, within twelve months from the date of the last reinstatement/revival of the policy, the insurance cover shall be void and the nominee or beneficiary of the policyholder shall be entitled to an amount which is higher of 80% of the premiums paid (excluding extra premiums and taxes) till the date of death or the surrender value, if any, as available on the date of death, provided the policy is in force.
6 Free look period: The Policyholder has a period of 15 days or 30 days (if this Rider has been acquired through distance marketing mode*) from the date of the receipt of this Rider to review the terms and conditions of this Rider Policy. If the Policyholder disagrees with any of the terms or conditions of this Rider Policy, then, the Policyholder has the option to return the Rider Policy to the Company by submitting a written request stating the reasons/ objections for the same along with the Rider Policy. In such an event, this Rider shall terminate and the Policyholder shall be entitled to a refund of the rider premium paid after excluding the expenses incurred by the Company for stamp duty, proportionate risk premium including extra rider charges, if any, for the period of coverage and expenses incurred on the medical examination of the Life Assured, if any. * Distance marketing includes every activity of solicitation (including lead generation) and sale of insurance products through the following modes: (i) Voice mode, which includes telephone-calling (ii) Short Messaging service (SMS) (iii) Electronic mode which includes and interactive television (DTH) (iv) Physical mode which includes direct postal mail and newspaper & magazine inserts and (v) Solicitation through any means of communication other than in person. PROHIBITION OF REBATES (SECTION 41 OF INSURANCE ACT 1938) as amended from time to time. (1) No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurer: Provided that acceptance by an insurance agent of commission in connection with a policy of life insurance taken out by himself on his own life shall not be deemed to be acceptance of a rebate of premium within the meaning of this sub-section if at the time of such acceptance the insurance agent satisfies the prescribed conditions establishing that he is a bona fide insurance agent employed by the insurer. (2)Any person making default in complying with the provisions of this section shall be punishable with fine which may extend to ten lakh rupees. Assignment: Assignment is allowed subject to the terms and conditions of the base policy with which this rider is attached. Nomination: Section 39 of Insurance Act, 1938, as amended from time to time: Nomination for the Rider Contract will be in accordance with the provisions of the Base Policy. Income Tax Benefits: As per the current laws, income tax benefits are available under Section 80C and Section 10(10D) of Income Tax Act, 1961 which are subject to change in tax laws from time to time. Prevailing benefits would be applicable as per the prevailing laws from time to time
7 Service Tax: Service tax and cess as imposed by the Government from time to time will be levied on the premium. Star Union Dai-ichi Life Insurance Company Limited is the name of the Insurance Company and SUD Life Family Income Benefit Rider -Traditional is the name of the rider. Neither the name of the insurance company nor the name of the plan in anyway indicates the quality of the plan, its future prospects or returns. SUD Life Family Income Benefit Rider -Traditional (UIN: 142B007V01) Insurance is the subject matter of the solicitation. Star Union Dai-ichi Life Insurance Company Limited Corporate Office: 11th floor, Raghuleela Arcade, Opp. Vashi Railway station, Vashi, Navi Mumbai Contact No: ID: Registered Office: Star house, 3rd floor, West Wing, C-5, G Block, Bandra Kurla Complex, Bandra (E), Mumbai For more details, visit: URN- SUD-BR-05/15/13
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