} Jan Suraksha- A Rural Plan - Future Generali Life Insurance

Future Generali Jan Suraksha

Future Generali Jan Suraksha

  • Policy Term

    8 years

  • Premium Payment Term

    Single Premium

  • Tax Benefit


  • Age at Entry

    18 to 50 years

  • Premium Payable
    Entry Age: 18 to 45 years
    Entry Age: 46 to 50 years

Why you need the Jan Suraksha Plan?

  • It helps you to safeguard your family against your loans and liabilities
  • It requires only a nominal, one time premium, to get a life insurance cover
  • Hassle-free application process

How it Works

This plan is the simplest form of life insurance. It offers you protection at affordable premiums. There are no Maturity Benefits. Here are the steps to get Future Generali Jan Suraksha:

Step1a. Choose the amount of Single Premium you wish to pay
  • Based on your age, choose the premium amount you wish to pay.
Step2Stay protected
  • Fill in your basic details in the application form and pay the premium.


Death Benefit

Death Benefit in this plan secures your family in case of your unfortunate demise during the Policy Term. The Death Benefit payable shall be as follows:

Age Band Single Premium (exclusive of taxes)
  Rs500 Rs750
18-35 Rs14,000 Rs21,000
26-30 Rs12,000 Rs18,000
31-35 Rs10,000 Rs15,000
36-40 Rs7,500 Rs11,500
41-45 Rs5,000 Rs7,500
46-50 N/A Rs5,000

Maturity Benefit

There are no Maturity Benefits payable under this plan.

Surrender Benefit

As a part of the plan, a Guaranteed Surrender Value will be payable as follows:

Policy Year of Surrender Single Premium (exclusive of taxes)
  Rs500 Rs750
1 Rs300.00 Rs450.00
2 Rs275.00 Rs412.50
3 Rs250.00 Rs375.00
4 Rs200.00 Rs300.00
5 Rs175.00 Rs262.50
6 Rs150.00 Rs225.00
7 Rs100.00 Rs150.00
8 Rs0.00 Rs0.00

Target Group
For customers who want to buy a term plan which provides high level of protection at most affordable rates


Suicide Exclusion: If the Life Assured commits suicide within 12 months from the date of inception of the policy, the nominee or beneficiary shall be entitled to higher of 80% of the premium paid or Surrender Value.



Plan Details  
Entry Age
(Age mentioned refers to age as on last birthday)
18 to 50 years
Policy Term 8 years
Premium Payment Term and Mode Single Premium
Premium Options Entry Age- 18 to 45 years:  
  Rs 500 / Rs750  
  Entry Age- 46 to 50 years:  



Future Generali Jan Suraksha [UIN: 133N059V01]

  • Tax benefits are subject to change as per tax laws.
  • For more details on the risk factors and the terms and conditions please read the sales brochure and/ or sample policy document on our website carefully, and/ or consult your advisor before concluding the sale.
  • Insurance is the subject matter of solicitation.


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 Policy. 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 Policy 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.

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