Future Generali


  • 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

Unique product benefits

1. Pay a small one time premium and get a life insurance cover.

2. Hassle free application process.

How does it work?

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:

Step1Choose the amount of single premium you wish to pay
Step2Fill the proposal form, pay your premium and Stay protected


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 Rs500 (exclusive of taxes) Single Premium Rs750 (exclusive of taxes)
18-25 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

Guaranteed Surrender Value(as per table below) will be payable

Policy Year of Surrender Single Premium Rs500 (exclusive of taxes) Single Premium Rs750 (exclusive of taxes)
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

No surrender value shall be payable if policy is surrendered in the last policy year A policy terminates on surrender and no further benefits are payable under the policy.



We do not offer any loan under this plan.


Tax Benefits

Premium(s) paid are eligible for tax benefit as may be available under the provisions of Section(s) 80C and 10(10D) as applicable. For further details, consult your tax advisor. Tax benefits are subject to change from time to time.


No riders are available under this product.

Nomination and Assignment


Nomination, in accordance with Section 39 of Insurance Act, 1938 as amended from time to time, is permitted under this policy.

Assignment, in accordance with Section 38 of Insurance Act, 1938 as amended from time to time is permitted under this policy.


Suicide Exclusion:In Case of death due to suicide within 12 months from the date of commencement of risk under the policy, the nominee or beneficiary of the policyholder shall be entitled to 80% of the total premiums paid till the date of death or the surrender value available as on the date of death, whichever is higher.



Plan Summary
Parameter Criterion
Entry Age (as on last Birthday) 18 to 50 years
Premium Options Entry age between 18 to 45 years- ₹500/ ₹750
Entry age between 46 to 50 years- ₹750
Policy Term 8 years
Premium Payment Term & Mode Single premium


Free Look Period

In case you disagree with any of the terms and conditions of the policy, you can return the policy to the company within 15 days of receipt of the Policy Document (30 days, if the policy is sold through Distance Marketing mode) by giving a written request for cancellation of the policy, stating the reasons for such cancellations.

Future Generali India Life Insurance will refund the policy premium after the deduction of proportionate risk premium for the period of cover, stamp duty charges, cost of medical examination, if any.

If the Policy is opted through Insurance Repository (IR), the computation of the said Free Look Period will be as stated below:-

  • i) For existing e-Insurance Account: Computation of the said Free Look Period will commence from the date of delivery of the e mail confirming the credit of the Insurance Policy by the IR.
  • ii) For New e-Insurance Account: If an application for e-Insurance Account accompanies the proposal for insurance, the date of receipt of the ‘welcome kit’ from the IR with the credentials to log on to the eInsurance Account(e IA) or the delivery date of the email confirming the grant of access to the eIA or the delivery date of the email confirming the credit of the Insurance Policy by the IR to the eIA, whichever is later shall be reckoned for the purpose of computation of the Free Look Period.


Future Generali Jan Suraksha [UIN: 133N059V02]

  • 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.

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