Edelweiss Tokio Life EduSave Plan

Get double protection against unforeseen events:

1. Lump sum amount on pre-mature death provides a readjustment cushion to the family.
2. Maturity benefit protected even when the life insured is no more

Get additional benefits through Bonus which continues to accrue till maturity even in case of death of life insured during the term

Various payout plans on maturity to allow you to plan the benefits as per your requirements. Flexibility is provided to change the plan in case the requirements undergo a change in future.

Multiple options of policy term and premium paying term to suit your requirements

Get discount on premium for large sum assured

Loan facility to meet any urgent / unforeseen liquidity requirements

On maturity of the policy, you will receive the paid-up value Where paid-up value is:

• Paid-up sum assured plus
• Accrued bonuses declared till the policy gets paid-up

On death after the policy getting paid-up, following benefit will be payable:

• 100% of the paid-up sum assured as lump-sum and
• Paid-up value on maturity Hence, 100% of the paid-up sum assured is payable immediately on death and at the end of the policy term, 100% of paidup sum assured plus bonuses accrued till paid-up (paid-up value) is payable.

The policy acquires surrender value if all the premiums have been paid in full for at least first three policy years. On surrender, the surrender value, if any, will be immediately paid and policy will be terminated. (i) Guaranteed Surrender Value: The Guaranteed Surrender Value is sum of i. Surrender value of premiums AND ii. Surrender value of bonuses i. Surrender value of premiums is a specific percentage (as given in the Annexure I) of total premiums (excluding rider premium and extra mortality premium, if any) received till date. ii. Surrender value of bonuses accrued till the date of Surrender = Accrued bonuses * Guaranteed Surrender Value Factor.

Paid-up Sum Assured will be calculated as given below: Paid-up Sum Assured = (Number of premiums paid/ Number of premiums payable) *Sum Assured. On the policy being reduced paid-up, the following benefits are payable.

The bonuses that have been declared till policy acquires paid-up status will be protected and paid on maturity. No further bonus will be declared for your policy after it gets paid-up.

The customer has an option of availing the following Rider benefits:

• Edelweiss Tokio Life - Accidental Death Benefit Rider (UIN: 147B002V02)

• Edelweiss Tokio Life - Accidental Total and Permanent Disability Rider (UIN: 147B001V02)

• Edelweiss Tokio Life - Term Rider (UIN: 147B004V02)

• Edelweiss Tokio Life - Critical Illness Rider (UIN: 147B005V02)

• Edelweiss Tokio Life - Waiver of Premium Rider (UIN: 147B003V02)

• Edelweiss Tokio Life - Hospital Cash Benefit Rider (UIN: 147B006V02) (available with regular pay only)

• Edelweiss Tokio Life - Payor Waiver Benefit Rider (UIN: 147B014V02) Rider sum assured cannot exceed the base sum assured.

Total rider premium cannot exceed 30% of the base product’s premium. For more details on any of the riders mentioned above, please consult your Edelweiss Tokio Life Insurance Personal Financial Advisor or refer to the rider brochure.