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Age criteria
Minimum Age at Entry 20 yearsMaximum Age at Entry 55 years
Minimum Age at Maturity NA
Maximum Age at Maturity 70 yrs
Policy termplan option-child 21
minimum policy term 8 yrs
maximum policy term 21 yrs
plan option-child 23
minimum policy term 10 yrs
maximum policy term 23 yrs
Premium paying termMin Premium Paying term-for child 21 5 yrs
Max Premium Paying term-for child 21 18 yrs
Min Premium Paying term-for child 23 5 yrs
Max Premium Paying term-for child 23 18 yrs
Sum assured
Minimum Sum Assured Rs.50,000
Maximum Sum Assured Rs.50,00,000
Premium
Minimum Premium/ Investment
Maximum Premium No Limit
Premium Payment Frequency
Riders Offered
Policy type particpating plan
Death benefit
Future child benefitplan
Depends on age, sum assuredand policy term as per companies
standard premium rate
Yearly ,Half yearly- 52% ofyearly premium,Quarterly-26.5%
of yearly premium,Monthly-8.83% of yearly prem (ECS)
Total Permanent DisabilityRider- In built in policy itself
Life Guardian Rider till age 18-In built in policy itself
Sum Assured - immeditely afterdeath to the nominee, balancepremium waived off and againmaturity benefit as per normal
plan
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Plus Guaranteed additions
Plus vested bonus
Future Child Benefit @21 Plan
3 years prior to maturity 15%
2 years prior to maturity 25%
1 years prior to maturity 25%
At maturity
Future Child Benefit @23 Plan
5 years prior to maturity 10%
4 years prior to maturity 15%
3 years prior to maturity 15%
2 years prior to maturity 15%
1 years prior to maturity 20%
At maturity
Loan Facility
Tax benefit
Nomination
Assignment
Future Child Benefit @21 Plan
2 lakh - 5 lakh 10.00
5 lakh - 8 lakh 11.00
8 lakh -10 lakh 11.50
Maturity Benefit
The final amount of fixed benefits as per the plan
Payable on the policyanniversary
% of SumAssured
35% + vestedbonus
+guaranteedadditions*
Payable on the policyanniversary
% of SumAssured
25% + vestedbonus
+guaranteedadditions*
If policy acquired surrender value,loan is availableto the extent of 90% of surrender value in an in-
force policy and 85%in a paid-up policy
*Loan is applicableonly for those policies wherethe claims are not paid(death claim or ATPD
benefit availed )
Tax benefits will be as per section 80C &Section10(10D) of the Income Tax Act, 1961
As per Sec 39 of the Insurance Act 1938nomination is permitted any time before policy
matures for payment.
Assignment facility is avaible-Only the entirepolicy can be assigned and not
individual benefits or any part thereof
Sum Assured(Rs.)
scoun npremium (perRs1,000 Sum
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10 lakh and above 11.70
Future Child Benefit @23 Plan
2 lakh - 5 lakh 70.00
5 lakh - 8 lakh 75.00
8 lakh -10 lakh 77.00
10 lakh and above 78.00
Reinstatement
Premium Allocation ChargesREGULAR PREMIUM
1st Year Charges
Annualized Premium
Less than Rs. 25,000 22%
Rs. 25,000 to less than Rs.50,000 15%
Rs. 50,000 & over 10%
2nd Year 7.50%
3rd Year 5%
4th year onwards 2%
Single Premium 2%
Top Up 2%
REGULAR PREMIUM
Number of years premium paid Surrender charge as % of FV
Less than 1 100%
1 50%
2 35%
3 20%
4 10%
5 7%
6 5%
7 3%
8 3%
9 2%
10 or more Nil
Number of completed policy years Surrender charge as % of FV
3 1%
4 years or more Nil
FUND NAME COMPOSITION & MIX
FUTURE SECURE
grace
and the policy is not surrendered, within a periodof three years from the due date of first unpaid
premium
Money Market, Cash & ShortTerm Debt
Equity Instruments
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HDFC Chidren's plan
Maximum investment - No limit
No riders available.
particpating plan
In this particular fund insurance coverwill not available
Only monthly SIP is available forinvestment,one time investment is also
available
Sum Assured - immeditely after deathto the nominee, balance premium
waived off and again maturity benefit asper normal plan
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Loan not available
Tax benefits will be as per section 80C&Section 10(10D) of the Income Tax
Act, 1961
As per Sec 39 of the Insurance Act 1938nomination is permitted any time before
policy matures for payment.
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Premium Allocation Charges
same as above
same as above
%OF AMT OF INVESTMENT
iInitially there was 2.25% entry load butnow there is no entry load available for
scheme.
iInitially there was 2.25% entry load butnow there is no entry load available for
scheme.
0-100%
0%
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0-100%
0%
10-50%
50-90%
10-50%
70-90%
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Age criteria
Minimum Age at Entry 20 yearsMaximum Age at Entry 55 years
Minimum Age at Maturity NA
Maximum Age at Maturity 70 yrs
Policy termplan option-
minimum policy term 8 yrs
maximum policy term 21 yrs
Premium paying termMin Premium Paying term 5 yrs
Max Premium Paying term 18 yrs
Sum assuredMinimum Sum Assured Rs.50,000
Maximum Sum Assured Rs.50,00,000
Premium
Minimum Premium/ Investment
Maximum Premium No Limit
Premium Payment Frequency
Riders Offered
Policy type particpating plan
Death benefit
Plus vested bonus
Future child benefit-21 plan
Depends on age, sumassured and policy term as
per companies standardpremium rate
Yearly ,Half yearly- 52% of
yearly premium,Quarterly-26.5% of yearlypremium,Monthly-8.83% of
yearly prem (ECS)
Total Permanent DisabilityRider- In built in policy itselfLife Guardian Rider till age18-In built in policy itself
Sum Assured - immeditelyafter death to the nominee,
balance premium waived offand again maturity benefit
as per normal plan
The final amount of fixed benefits as perthe plan
Plus Guaranteedadditions
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Future Child Benefit @21 Plan
3 years prior to maturity 15%
2 years prior to maturity 25%1 years prior to maturity 25%
At maturity
Loan Facility
Tax benefit
Nomination
Assignment
Rebate
Future Child Benefit @21 Plan
2 lakh - 5 lakh 10.00
5 lakh - 8 lakh 11.00
8 lakh -10 lakh 11.50
10 lakh and above 11.70
Reinstatement
*Bonus declared- The reversionary bonus is usually declared annually as a persenta
Maturity Benefit Payable on the policyanniversary
% of SumAssured
35% + vestedbonus
+guaranteedadditions*
If policy acquired surrender value,loan isavailable to the extent of 90% of surrender
value in an in-force policy and 85%in apaid-up policy
*Loan is applicableonly for those policieswhere the claims are not paid(death claim
or ATPD benefit availed )Tax benefits will be as per section 80C
&Section 10(10D) of the Income Tax Act,1961
As per Sec 39 of the Insurance Act 1938nomination is permitted any time before
policy matures for payment.
Assignment facility is avaible-Only theentire policy can be assigned and notindividual benefits or any part thereof
Sum Assured(Rs.)
scoun n
premium (perRs1,000 Sum
If premiums are not duly paid within theperiod of grace
and the policy is not surrendered, within aperiod of three years from the due date of
first unpaid premium
Guaranteed additions*-During the first five policy years, guaranteed addition tothe sum assured (equal to 3.5% per annum compound
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HDFC Chidren's plan
18 yrs60 yrs28 yrs
75 yrs
10 yrs
25 yrs
10 yrs
25 yrs
Rs40,000
No limit
Minimum premium-Rs.5000
No riders available.
particpating plan
Maximum premium - No limit, subject tounderwriting
Yearly ,Half yearly- 52% of yearlypremium,Quarterly-26.7% of yearlypremium,Monthly-option not available
Sum Assured - immeditely after death
to the nominee, balance premiumwaived off and again maturity benefit asper normal plan
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Sum assured + *Bonus declared
Loan not available
No assignment facility is available
e of the basic sum assured.
Tax benefits will be as per section 80C&Section 10(10D) of the Income Tax
Act, 1961
As per Sec 39 of the Insurance Act 1938nomination is permitted any time before
policy matures for payment.
No rebate available for higher sumassured
No such kind of benefit is available withthis plan
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Age criteria
Minimum Age at Entry 18 yrsMaximum Age at Entry 60 yrs
Minimum Age at retirement 40 yrs
Maximum Age at retirement 70 yrs
Policy termplan option-
minimum policy term 8 yrs
maximum policy term 21 yrs
Premium paying termMin Premium Paying term 5 yrs
Max Premium Paying term 18 yrs
Sum assured
Minimum Sum Assured Rs.50,000
Maximum Sum Assured Rs.50,00,000
PremiumMinimum Premium/ Investment Single Premium 25000
Yearly Rs. 10,000
Half-Yearly Rs. 5,500
Quarterly Rs. 3,000
Monthly
Maximum Premium Additional Single Premium
Premium Payment Frequency
Riders Offered
Policy type particpating plan
Death benefit
Future PensionPlan
(by ECSonly) Rs.
1,000
Yearly ,Half yearly- 52% ofyearly premium,Quarterly-
26.5% of yearlypremium,Monthly-8.83% of
yearly prem (ECS)
Total Permanent DisabilityRider- In built in policy itselfLife Guardian Rider till age
18-In built in policy itself
Sum Assured - immeditelyafter death to the nominee,balance premium waived offand again maturity benefit
as per normal plan
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Guaranteed addition
Loan Facility
Tax benefit
Nomination
Assignment
Rebate
Future Child Benefit @21 Plan
2 lakh - 5 lakh 10.00
5 lakh - 8 lakh 11.00
8 lakh -10 lakh 11.50
10 lakh and above 11.70
Reinstatement
Maturity Benefit
5% to your accumulated pension fundafter 15 years (even if the
premiums are paid for only 5 years)
If policy acquired surrender value,loan is
available to the extent of 90% ofsurrender value in an in-force policy and
85%in a paid-up policy
*Loan is applicableonly for thosepolicies where the claims are notpaid(death claim or ATPD benefit
availedTax benefits will be as per section 80C&Section 10(10D) of the Income Tax
Act, 1961
As per Sec 39 of the Insurance Act1938 nomination is permitted any time
before policy matures for payment.Assignment facility is avaible-Only theentire policy can be assigned and notindividual benefits or any part thereof
Sum Assured(Rs.)
prem um
(perRs1,000
If premiums are not duly paid within theperiod of grace
and the policy is not surrendered, withina period of three years from the due
date of first unpaid premium
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*Bonus declared- The reversionary bonus is usually declared annually as a persen
Guaranteed additions*-During the first five policy years, guaranteed addition tothe sum assured (equal to 3.5% per annum compound
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HDFC Pension Plan
18 yrs60 yrs
50 yrs
70 yrs
10 yrs
40 yrs
10 yrs
40 yrs
Rs40,000
No limit
Minimum premium-Rs.5000
No riders available.
particpating plan
Maximum premium - No limit, subject tounderwriting
Yearly ,Half yearly- 52% of yearlypremium,Quarterly-26.7% of yearly
premium,Monthly-option not available
Sum Assured - immeditely after deathto the nominee, balance premium
waived off and again maturity benefit asper normal plan
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Sum assured + *Bonus declared
Loan not available
No assignment facility is available
Tax benefits will be as per section 80C&Section 10(10D) of the Income Tax
Act, 1961
As per Sec 39 of the Insurance Act 1938nomination is permitted any time before
policy matures for payment.
No rebate available for higher sumassured
No such kind of benefit is available withthis plan
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tage of the basic sum assured.
8/8/2019 Rohini-Comparision Bet Traditional Of Future Generali & SBI
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Future Care Plus HDFC Protection planMinimum Age at Entry 12 yrs
Maximum Age at Entry 60 yrs
Minimum Age at Maturity NA
Maximum Age at Maturity 70 yrs
Min Premium Paying term 3No specified term is available
Max Premium Paying term 3
Minimum Term 10 yrs
Maximum Term 10 yrs Maximum term is not applicable.
Minimum Sum Assured 5 * Annual PremiumNo insurance cover is available with this fund
Maximum Sum Assured M *Annual Premium
Minimum Premium
Maximum Premium No Limit No Limit
Premium Payment Frequency
Riders Available 1) Critical Illness Benefit (CI)
2) Accidental Death Benefit (ADB)
3) Accerelated sum assured benefit(ASA)
Investment Funds
Death benefit Fund Value= No of units X NAV
Maturity Benefit
Loan Facility Loan not available Loan not available
Premium Allocation Premium Allocation
Charges1st year 5% of regular premium
2nd & 3rd year 2% of regular premium
Factor M
Age At Entry Multiple Factor
Up to issue age 25 85
26 Yrs 35 Yrs 5536 Yrs 45 Yrs 25
46 Yrs 50 Yrs 15
51 Yrs 55 Yrs 11
56 Yrs 60 Yrs 8Surrender charges
Number of completed Policy years render charge as a % of fund v
1 year or less 25%
More than1 but less than or equal to 2 15%
More than 2 but less than or equal to 3 10%
More than 3 but less than or equal to 5 5%
No specific age criteria defined for investmentin mutual fund but any one who have numberon his own name can apply for investment in
mutual fund
Minimum three years investment is veryimportant in this particular scheme.
Min-1st year Rs.50,000,Min-2nd&3rd year Rs.10,000
For SIP investment minimum amount Rs. is500 and for one time investment Rs. 5000
Yearly ,Halfyearly,Quarterly,Monthly (ECS)
Only monthly SIP is available forinvestment,one time investment is also
available
Future SecureFuture IncomeFut
Equity and related instruments-Not more than25%.,Debt instruments (including Securitized
debt) and Govt. Securities and Money marketinstruments-Uto 100%. Securitized Debt -Not
more than 10% of investments in debt
For In force policy it is higher ofthe fund value or sumassured(less partial
withdrawal(excluding top upsingle premiums) 2 years prior to
death
fund value + top-up account
value valued at unit price
fund value + top-up account value valued at
unit price.
Premium Allocation Charges(year wise) No Charges,only fund management charges
are available.
Insurance cover multiple factor is notapplicable for this fund.
No surrender charges available, but ifwithdrawn with in 1 year : 3%; within 2 years :
2%; Within 3 years:1%, Exit Load will beapplied.
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More than 5 Nil
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Minimum Age at Entry 18 years 18 yrs
Maximum Age at Entry 78 years (SP) / 75 years (RP) No Limit
Minimum Age at Retirement 40 yrs
Maximum Age at Retirements 80 yrs
Minimum Term 2 years (SP) / 5 years (RP) From investment- three years
Maximum Term Maximum term - No limit
Minimum Contribution
Maximum Premium No Limit No Limit
Premium Payment Frequency
Riders Offered Term Rider
Death benefit Fund Value Fund Value
Maturity Benefit Fund Value Fund Value
Loan Facility Not available Not available
FREE LOOK PERIOD
Future PensionAdvantage
This is a pension plan premium are paid inregular intervals for a chosen term andaccumulated to form capital to purchse annuityor pension pay out.Has an option to chose aterm rider (Ulip)
SBI Magnum Taxgain
Scheme 1993
whenever investor wants money
can get, after lock in period of 3years.
Maximum : 45 years (in multiple of 1 year)The term for Term Assurance rider will be equalto the basic plan term, subject to maximum of30 years allowed under term assurancerider.
2-5 years Rs 70,0006 years & above- Rs 50,000 for single premium
5-9 years -Rs 20,00010 years & above -Rs 15,000 for regular
premium
Rs. 500 and Multiples of Rs500
Single premium,Yearly, Half-Yearly, Quarterly,Monthly (ECS)
Rs.500/month - 12 monthsRs.1000/month - 6months
Rs.1500/quarter - 12 months
No riders are available under thisscheme
Investment Funds & Charges
(click on the hyperlink)Future Pension SecureFuture Pension BalanceF
Equity,PCDs and FCDs and bonds-80-100%,Money marketinstruments-0 20% .
Customer can return his policy within 15 days ofreceipt of the policy documents.
once applied only prematurewithdral is the options
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ADVANTAGES
SWITCHES
PREMIUM REDIRECTION Not available
Term Rider
Not available
Minimum/Maximum Entry Age 18 60 years
inimum/Maximum age at maturit 40 65 years
Rs.75,000
Minimum/Maximum policy term 5 30 years
Minimum/ Maximum premium
scontinuance of Premium Paym Rider will be discontinued
Surrender ChargePolicy Year Policy Term (Less than 15 yrs)
Year 0 100%
Year 1 10%
Year 2 5%
Year 3 onwards Nil
Premium Allocation ChargesREGULAR PREMIUM
1st Year Charges
Annualized Premium Allocation charge as % of premium
Rs 15,000 Rs 49,999 15%
Supplement to retirement income planning Provides valuable life cover (optional) Both regular & single premium option
Flexibility in selection of vesting age (40 80yrs)
Minimum term as low as 2 years (For SinglePremium Option Only)
No allocation charge from 2nd year onwards
(Regular Premium) No surrender charge from 3rd year Onwards
( Regular premium) No surrender charge in case of SP option
Attractive FMC 1 - 1.25% Maximum equity exposure 100%
Policy Administration Charge NIL for pensionoption
Tax benefits u/s 80CCC
1 Best ELSS scheme which isvery handy for tax saving
purpose.2 No capital gain tax forlong term investment. 3 Flexibilityof investment amount Rs. 500 tono limit 4 Minimum lock in period
of three years from theinvestment. 5 No entry and No
exit load. 6 Very low fundmanagement charges. 7 Facility
to book profit by taking diviendoptions while investment. 8
Switchover facility to any otheropen-ended schemes of SBIMutual Fund at NAV related
prices available after thestatutory lock-in period.
At any point of time the policyholder has anoption to switch some or all of the units from
one unit linked fund to another 12 free switches
Switch request is done in percentage orabsolute amount.
Min. amount: Rs.10,000 with no condition ofmultiple.
Switch request is received before 3.00 p.m,.Closing NAV of the day is applicable.
Switch request is received after 3.00 p.m,.Closing NAV of the next business day is
applicable
only after complition of threeyears the unitholder has an
option to switch some or all ofthe units from fund to another
equity scheme of SBI M.F. No limits on free switches. Switch request is done in
number of units or in amount. Switch request is received
before 3.00 p.m,. Closing NAV ofthe day is applicable.
Switch request is received after3.00 p.m,. Closing NAV of the
next business day is applicable
This facility is available free of cost and limitedto one in a policy year
Minimum Sum Assured (for withTerm Assurance Rider)
Not applicable as charge will be recoveredby cancellation of units
No surrender charges areapplicable.
No Entry load or initialinvestment charges are
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Rs 50,000 Rs 99,999 14%
Rs 100,000 & Above 13%
2nd Year 5%
3rd year onwards Nil
Single Premium 4.5% same as above
Top Up 1.5% same as above
applicable
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Minimum Age at Entry 18 years 18 yrs
Maximum Age at Entry 78 years (SP) / 75 years (RP) No Limit
Minimum Age at Retirement 40 yrs
Maximum Age at Retirements 80 yrs
Minimum Term 2 years (SP) / 5 years (RP) From investment- three years
Maximum Term Maximum term - No limit
Minimum Contribution
Maximum Premium No Limit No Limit
Premium Payment Frequency
Riders Offered Term Rider
Death benefit Fund Value Fund Value
Maturity Benefit Fund Value Fund Value
Loan Facility Not available Not available
FREE LOOK PERIOD
Future PensionAdvantage
This is a pension plan premium are paid inregular intervals for a chosen term andaccumulated to form capital to purchse annuityor pension pay out.Has an option to chose aterm rider (Ulip)
SBI Magnum Taxgain
Scheme 1993
whenever investor wants money
can get, after lock in period of 3years.
Maximum : 45 years (in multiple of 1 year)The term for Term Assurance rider will be equalto the basic plan term, subject to maximum of30 years allowed under term assurancerider.
2-5 years Rs 70,0006 years & above- Rs 50,000 for single premium
5-9 years -Rs 20,00010 years & above -Rs 15,000 for regular
premium
Rs. 500 and Multiples of Rs500
Single premium,Yearly, Half-Yearly, Quarterly,Monthly (ECS)
Rs.500/month - 12 monthsRs.1000/month - 6months
Rs.1500/quarter - 12 months
No riders are available under thisscheme
Investment Funds & Charges
(click on the hyperlink)Future Pension SecureFuture Pension BalanceF
Equity,PCDs and FCDs and bonds-80-100%,Money marketinstruments-0 20% .
Customer can return his policy within 15 days ofreceipt of the policy documents.
once applied only prematurewithdral is the options
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ADVANTAGES
SWITCHES
PREMIUM REDIRECTION Not available
Term Rider
Not available
Minimum/Maximum Entry Age 18 60 years
inimum/Maximum age at maturit 40 65 years
Rs.75,000
Minimum/Maximum policy term 5 30 years
Minimum/ Maximum premium
scontinuance of Premium Paym Rider will be discontinued
Surrender ChargePolicy Year Policy Term (Less than 15 yrs)
Year 0 100%
Year 1 10%
Year 2 5%
Year 3 onwards NilPremium Allocation Charges
REGULAR PREMIUM
1st Year Charges
Annualized Premium Allocation charge as % of premium
Rs 15,000 Rs 49,999 15%
Rs 50,000 Rs 99,999 14%
Rs 100,000 & Above 13%
2nd Year 5%
3rd year onwards Nil
Single Premium 4.5% same as above
Supplement to retirement income planning Provides valuable life cover (optional) Both regular & single premium option
Flexibility in selection of vesting age (40 80yrs)
Minimum term as low as 2 years (For SinglePremium Option Only)
No allo
1 Best ELSS scheme which isvery handy for tax saving
purpose.2 No capital gain tax forlong term investment. 3 Flexibilityof investment amount Rs. 500 tono limit 4 Minimum lock in period
of three years from theinvestment. 5 No entry and No
exit load.
At any point of time the policyholder has an
option to switch some or all of the units fromone unit linked fund to another
12 free switches Switch request is done in percentage or
absolute amount. Min. amount: Rs.10,000 with no condition of
multi
only after complition of threeyears the unitholder has an
option to switch some or all ofthe units from fund to another
equity scheme of SBI M.F. No limits on free switches. Switch request is done in
number of units or in amount. Switch reques
This facility is available free of cost and limitedto one in a policy year
Minimum Sum Assured (for withTerm Assurance Rider)
Not applicable as charge will be recoveredby cancellation of units
No surrender charges areapplicable.
No Entry load or initialinvestment charges are
applicable
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