Human Life Value Calculator
Premium Calculator / Benefit Illustration
(Meeting a child plan specialist is purely voluntary and insurer does not offer any cashback for the same)
Guaranteed Cash Back after premium payment term, up to maturity
Higher of 120% of Sum Assured or 10 times Annualized Premium or 105% of total premium paid till date of death
7 to 55 years
16 or 18 years
10,000/- per annum
Yearly/ Half-Yearly/ Quarterly/ Monthly
The Future Generali Pearls Guarantee Plan is a guaranteed benefit plan that offers you a life cover and Survival plus Maturity Benefit. In the unfortunate event of your demise the plan provides a lump sum amount to your nominee.
Survival/ Maturity Benefits:
In case of survival of Life Assured during the Policy Term, Guaranteed * Cash Backs as percentage of Sum Assured are paid after premium payment term till maturity, provided all due premiums have been paid.
|End of the Year||Policy Term 16 years|
|Total||120% of Sum Assured|
|End of the Year||Policy Term 18 years|
|Total||120% of Sum Assured|
|Within Premium Payment Term|
|In an In Force policy||Higher of:
|After Premium Payment Term|
|In an In Force Policy||Higher of:
* Conditions Apply
For customers looking for a tax saving life insurance plan that offers flexibility of paying for a limited period and receive guaranteed regular money backs alongwith a guaranteed lump sum benefit.
Suicide Exclusion: If the Life Assured commits suicide within one year from the policy commencement date, the Guaranteed Income Plan will be void and only 80% of the premiums will be payable as Death Benefit. If the Life Assured commits suicide within one year from the revival date of the policy, if revived, the higher of, 80% of the premiums paid till the date of death and Surrender Value will be payable as Death Benefit.
|Age at Entry
||Age at Maturity
||Minimum Premium||Policy Term = Premium Payment Term + 6 Years|
|7 to 55 years||23 to 73 years||10,000/- per annum||
Future Generali Pearls Guarantee product (UIN: 133N047V02)
FREE LOOK CANCELLATION:
You have a period of 15 days (30 days if the policy is sold through Distance Marketing Mode) from the date of receipt of the Policy document to review the terms and conditions of the Guaranteed Income Plan. If you are not satisfied with or disagree with any of the terms and conditions, you have the option to Cancel/withdraw and return the Policy along with a letter (dated and signed) stating your intention to cancel the Policy and reasons for the objections/Cancellation, within this period. Cancellation of Guaranteed Income Plan and refund of premium is allowed under this provision, whereby the amount payable on such cancellation will be equal to the total premium paid less a proportionate cost of insurance for the period of cover and expenses towards Policy stamp duty and medical examination, if any.
The fine print in a policy can come in the way of making an informed purchase. We’ve simplified the fine print into big print.
Read the terms and conditions carefully. Ensure that your current health, occupation or lifestyle habits do not exclude you from getting the policy benefits.
Do's and don’ts to protect your life insurance policy from unauthorised elements posing as company representatives.
Find out how prepared you are to meet your financial goals, with our FutureReady calculator.