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Adding Certainty to an Uncertain Future!

With Edelweiss Life - Assured Income STAR, get life cover and regular guaranteed¹
income along with a lumpsum on maturity to financially secure your family.

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Guaranteed¹ Regular Income to financially secure your family

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Policy Brochure Assured Income STAR

Secure your future by starting now and gaining a comprehensive understanding of the plan
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4 Ways This Plan Assures Your Future Security! Assured Income STAR

4 Ways This Plan Assures Your Future Security!

Guaranteed1 Income

All survival benefits provided by this plan are guaranteed1, allowing you to plan for the future with certainty.

1st Year Payout with Advantage Benefit

Get income in 1st policy year with Regular Income Advantage plan option.

Lumpsum at Term End

Receive a lumpsum payout as maturity benefit at the end of policy term. Applicable to both plan options.

Life Cover for Your Loved Ones

Life cover element secures your loved ones in case of your untimely demise during the policy term.

Benefits of Edelweiss Life- Assured Income STAR

Benefits of Edelweiss Life - Assured Income STAR

This plan offers survival benefits in the form of regular income. Additionally, you will also get a lumpsum payout as a maturity benefit at the end of your policy term. All benefits provided by this plan are guaranteed¹, allowing you to create an assured financial plan for the future.

You can choose the frequency of your income payouts as per your preference. You can choose to get your regular income on a monthly, quarterly, half-yearly, or annual basis (for annual premium payment option). Moreover, you can also choose your preferred premium paying term, policy term, and annualized⁸ premium amount. 

Edelweiss Life - Assured Income STAR provides two plan options - Regular Income and Regular Income Advantage. With the Regular Income Advantage option, you can get 40 or 50% of your annualized⁸ premium as a one-time payment² at the beginning of the 1st policy year. 

Life cover/death benefit provides you with a sum assured that is payable to your family upon your death during the policy term. This sum can help shield your family from financial hardship in your absence. 
 

At any point during the Policy Term, the Policyholder will have the option to accrue the Income Benefit instead of receiving it as cash pay outs. To know more, please refer to the product brochure. 
 

Savings with Tax benefits³! Get tax benefits on premium paid under Section 80C, and benefits on both survival and death benefit under Section 10(10D) of the Income Tax Act, 1961.

Follow These Steps to Guarantee1 Your Future Savings! AIS

Steps to Assured¹ Your Future Income!

1

First Steps

  • Choose between the 2 Plan options
  • Premium Paying Frequency (applicable for Regular Income)
  • Policy Term
  • Advantage % (applicable for Regular Income Advantage)
  • Sum Assured on Maturity Option (applicable for Regular Income)
  • Death Benefit Option
  • Option to receive Income Benefits in advance
2

Customize Your Income

  • Select your income payout frequency
  • Choose your Advantage Benefit multiple (for Regular Income Advantage Option)
3

Enhance Your Plan

  • Choose any of the listed riders9
4

Sit Back and Relax

 

  • Submit the requested documents
  • Let us verify your details
  • Get ready to start getting your guaranteed¹  income!

Choice of 5 Riders⁹ guaranteed income star

Choice of 5 Riders⁹

Accidental Death Benefit Rider

This rider provides financial security in the form of an additional life cover to your loved ones in case of demise due to an accident.

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Accidental Total and Permanent Disability Rider

With this rider, you can get a lump sum amount to manage your expenses in case total or permanent accidental disability has hindered your earning capacity.

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Payor Waiver Benefit Rider

With this rider, if the proposer of the policy suffers from an unfortunate event like death, disability or critical illness, all future premiums are waived off and the policy continues for the life insured.

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Waiver of Premium Rider

In case of critical illness, accidental total and permanent disability or death, get all future premiums waived off through this optional benefit.

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Critical Illness Rider

In case you are diagnosed with one of 12 listed critical illnesses, this optional benefit will provide you 100% of the Rider Sum Assured after 30 days of diagnosis.

Know More

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Har Sapna Karo Poora with Guaranteed¹ Savings!

Guaranteed¹ returns, enhanced cover option, tax benefits³, and more… all with premiums just Rs. 3,000/month^².

  • Choice to receive guaranteed¹ returns as lumpsum or in 5 equal annual instalments

  • Enhanced Cover option to secure your family with 20x the premium^⁴ paid

  • Guaranteed¹ savings & life cover for a policy term as high as 40 years

  • Family Income Benefit option to ensure your family doesn’t have to compromise on dreams

BUY NOW

Financial Future That Shines Bright Like a STAR, Guaranteed¹!

A plan that protects you and your goals for the future with stable assured¹ returns. 

  • Customise your plan with plan options, premium paying term, policy term options, & income duration

  • Stable Assured¹ Returns in the form of Lumpsum or Lumpsum plus income 

  • A Choice of 5 riders9 to enhance your plan’s coverage 

  • Life cover that is 10x your annualized premium#

BUY NOW

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What Makes Edelweiss Tokio Life Your Ideal Partner HomePage

What Makes Edelweiss Life Insurance Your Ideal Partner?

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99.29% Claim Settlement Ratio**

Our Promise of Integrity- 99.29% Claim Settlement Ratio** for FY 2024-2025

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Recognized for Our Remarkable Customer Journey!

'Bolt' wins under 'Public & Private Collaboration' category at NASSCOM Foundation TechForGood Awards 2024^³

Here's Why Our Customers Adore Us

Here's Why Our Customers Adore Us

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Our customers say
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ETLICustomer

Thank you so much Vaishali, I’m fully satisfied with the resolution you provided me, once again thank you & have a good day.

HETAL N PATEL

(Customer)
ETLICustomer

Thank you so much Adil, you have cleared all my queries & I have completely satisfied the information you have provided me thank you so much.

AJAY KUMAR SHARMA

(Customer)
ETLICustomer

Thank you so much; I appreciate that you have shared the best resolution with me. I am now satisfied with the information you provided. Once again, thank you, Adil.

CHAITALI GUPTA

(Customer)
ETLICustomer

I had called multiple times and the issue couldn't be resolved, but this time it has been resolved clearly. Your assistance is greatly appreciated. Thank you so much, Ekta.

K V PAVAN

(Customer)
ETLICustomer

Adil sir, well done. You spoke to me very nicely and explained everything clearly. I really appreciate your help. Thank you so much.

KETKI YOGESHKUMAR GAJJAR

(Customer)
ETLICustomer

You have resolved my queries and doubts very well, and I am very satisfied with your service. Thank you so much, Adil sir.

Deepak Jaysingrao Sarnaik

(Customer)
ETLICustomer

I appreciate you, Adil. Thank you so much for helping me.

JOHN THOMAS

(Customer)
ETLICustomer

You have resolved all my queries, Thank you so much Adil.

LAXMI

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ETLICustomer

You listened to my queries patiently and resolved them very well. Thank you so much.

VEENA SHARMA

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ETLICustomer

Thank you so much Roshan, you cleared all my queries once again Thank you and have a great day.

JAYALAKSHMI UDAYAKUMAR

(Customer)
ETLICustomer

Thank you so much for the clarification. No one has ever explained it to me this clearly before. All my doubts are now resolved. Thank you, Divya!

K SURESH KUMAR REDDY

(Customer)
ETLICustomer

Ekta, I truly appreciate the information you provided. No one has guided me this way before. You are an excellent advisor for the organization—very intelligent—and I am completely satisfied with your resolution. Once again, thank you so much! Ekta

Ranganayaki Rajagopalan

(Customer)
ETLICustomer

Dear, your very helpful and I really very appreciate the way you handle all my queries and resolve it, Thank you so much Sahil.

SUSHMA SHARMA

(Customer)
ETLICustomer

Thanks for your quick response. I highly appreciate your patience and simple way of explaining my fund situation to me. Thanks for helping ease my anxiety and trouble faced for the last 6 months, Jaydev. Thanks again for your help, Jaydev

SHRADDHA SHETTY

(Customer)
ETLICustomer

You are very very co-operative and nice, I’m very appreciate your work and very much thankful to you. Have a nice day Roshan.

Kimberleydeanne Sanjay Paes

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ETLICustomer

You did a great job by providing all the necessary information. Thank you so much, Roshan.

Lejoy Daniel

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Thank you Meenakshi, I really appreciate your efforts to make me understand. Thank you so much.

Shrawan Ram

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Thank you. I appreciate the way you explained the policy details to me. It was really good talking with you Narmin.

 Satya Prakash Singh

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ETLICustomer

Thank you. It's great that you provided me with all the information. Have a nice day sahil and thank you so much.

Atul Shashikant Sakharkar

(Customer)
ETLICustomer

Thank you. The query I had was very well resolved by you. Thank you so much.

Mohit Munshi

(Customer)

Fire Away Queries Assured Income Star

Fire Away Queries

Like teachers say, there are no silly questions

Why should I invest in a guaranteed¹ income plan? 

There are several reasons why you may want to consider investing in a guaranteed income plan: 

  • Security: With a guaranteed income plan, you can have peace of mind knowing that you will receive a fixed, predetermined income regardless of market conditions. 

  • Predictability: With a guaranteed income plan, you can plan your future financial goals with confidence, as you will know exactly how much income you will receive. 

  • Flexibility: Some guaranteed income plans offer flexibility in terms of the payment schedule and duration of the plan, allowing you to customize the plan to fit your needs. 

  • Tax benefits³: Some guaranteed income plans may offer tax benefits, allowing you to potentially save on taxes while also receiving a steady income. 

Overall, a guaranteed income plan can provide a secure, predictable, and potentially tax-advantaged source of income, which may be appealing for those looking to ensure financial stability and security. 

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Edelweiss Life Assured Income STAR is a life insurance plan designed to provide protection to your family from any financial loss in case of an untimely death. The plan also offers a guaranteed¹ regular income and guaranteed¹ lump sum to you and your family, provided all due premiums are paid.

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A guaranteed income plan can be a useful tool to help you achieve a variety of financial goals. Some potential goals that you may be able to achieve with a guaranteed income plan include: 

  • Meeting basic living expenses: A guaranteed income plan can provide a reliable source of income to cover your day-to-day expenses, such as rent or mortgage payments, groceries, utilities, and other bills. 

  • Saving for retirement: By receiving a steady income from a guaranteed income plan, you may be able to save for your retirement and create a more secure financial future. 

  • Funding education: A guaranteed income plan can be a useful way to save for education expenses, such as tuition, fees, and other costs associated with higher education. 

  • Planning for a major purchase: With a guaranteed income plan, you may be able to save and plan for a major purchase, such as a home or a car, by setting aside a portion of your income each month. 

Overall, a guaranteed income plan can be a useful tool to help you achieve a variety of financial goals, depending on your individual needs and circumstances. 

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Yes, all the benefits in this plan are guaranteed¹. 

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You can start your savings at just ₹30,000 per year or ₹2,640 per month.

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The minimum entry age for the policy holder is 0 years for this plan. 

The maximum entry age is 65 Years. 

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Minimum sum assured with this plan is ₹1,50,000 for entry age 50 and above, and ₹2,10,000 for entry age 0-49. There is no limit on maximum sum assured (subject to Board Approved Underwriting Policy).

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Yes, Life Cover is available throughout the policy term. There are two life cover options available: 

Option 1: 7x (for age at entry less than 50 years) or 5x (for age at entry 50 years and above) of annualized⁸ premium. 

Option 2: 10 times annualized⁸ premium. 

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This product offers Premium Paying Term (PPT) options of 5 Pay, 6 Pay, 7 Pay, 8 Pay, 10 Pay and 12 Pay.  

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Policy term will depend on the plan option.  

Policy term options for Regular Income- 20, 25, 30, 35, or 40 years. Policy Term 20 is not available for PPT 5, 6 and 7 for Death Benefit Option 2. 

Policy term options for Regular Income Advantage- 25, 30, 35, or 40 years.

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Mode of premium payment available with this plan are - Annual, Half Yearly, Quarterly & Monthly. Only annual pay is available for Regular Income Advantage plan option.

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Income Payout Frequency can be - Annual, Half Yearly, Quarterly & Monthly if premium paying frequency is annual. If premium paying frequency is any option other than annual, then income will only be paid out on an annual basis.

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On survival of the Life Assured till the date of maturity, while the policy is in-force, the Maturity Benefit will be payable as lumpsum, and the policy will terminate without any further benefit.

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A rider is an additional benefit that you can opt for, to enhance your plan. These are available at a nominal extra cost. 

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Following are the riders available with this plan: 

  • Edelweiss Life - Accidental Death Benefit Rider 

  • Edelweiss Life - Accidental Total and Permanent Disability Rider 

  • Edelweiss Life - Waiver of Premium Rider 

  • Edelweiss Life - Payor Waiver Benefit Rider 

  • Edelweiss Life – Critical Illness Rider

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Yes, you can get a policy loan once policy acquires surrender value.

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You have a freelook period of 30 days from the date of the receipt of the policy document for the policy issued after 1st April, 2024 and processing TAT for same is 7 days.

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In case of death due to suicide within 12 months from the date of commencement of risk or from the date of Revival of the policy, as applicable, 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, provided the policy is in-force. 

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You have a Grace Period of 15 days if you pay the premium monthly, and 30 days in all other cases during which you must pay the premium due in full. The policy will be in-force during the Grace Period.

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1-    This is applicable only if all due premiums are paid and the policy is inforce.

2-    In this plan, regular guaranteed income will depend on the plan option chosen. In case of Regular Income option, a regular guaranteed income called ‘Income Benefit Pay-out’ will be payable in arrears every year starting from the first policy year till maturity or death of the Life Assured, whichever is earlier, while the policy is in-force. In case of Regular Income Advantage option, an advantage benefit as a % of annualised premium will be payable beginning of the 1st policy year, after receipt of first premium. Starting from the second policy year till maturity or death of the Life Assured, whichever is earlier, while the policy is in-force, a Regular guaranteed income called ‘Income Benefit Pay-out’ will be payable in arrears every year.

3- As per provisions of Income Tax Act, 1961. Tax benefits are subject to changes in tax laws.

8- Annualized Premium shall be the premium amount payable in a year chosen by the policyholder, excluding the taxes, rider premiums, underwriting extra premiums and loadings for modal premiums, if any.

9- Riders are Optional and available at extra cost. Please refer rider brochure for more details.

^³ - Source: Nasscom Foundation concludes the 3rd edition of TechForGood Awards 2024, powered by CGI to recognize innovations driving social impact. Among our Udaan Strategy’s 4 key projects, Bolt has helped us introduce insta-decision capabilities in our customer onboarding journey. This in turn has significantly improved customer buying experience. This award recognizes this innovative use of technology to create positive impact.
** - Claim statistics are for Financial Year 2024-25 and is computed basis individual claims settled over total individual claims for the financial year. For details, refer to Public Disclosures in our Website.

Edelweiss Life - Accidental Total and Permanent Disability Rider is an Individual, Non-Linked, Non-Participating, Pure Risk Premium, Health Insurance rider.  UIN 147B001V05 
Edelweiss Life - Accidental Death Benefit Rider is an Individual, Non-Linked, Non-Participating, Pure Risk Premium, Health Insurance Rider. UIN 147B002V05 
Edelweiss Life - Waiver of Premium Rider is an Individual, Non-Linked, Non-Participating, Pure Risk Premium, Health Insurance rider. UIN 147B003V06 
Edelweiss Life – Payor Waiver Benefit Rider is an Individual, Non-Linked, Non-Participating, Pure Risk Premium, Life Insurance Rider.  UIN 147B014V06 
Edelweiss Life - Critical Illness Rider is an Individual, Non-Linked, Non-Participating, Pure Risk Premium, Health Insurance rider. UIN 147B005V05  

Edelweiss Life – Assured Income STAR is an Individual, Non-Linked, Non- Participating, Savings, Life Insurance Plan. Please know the associated risks and the applicable charges from your Personal Financial Advisor or the Intermediary. Tax benefits are subject to changes in the tax laws. The tax benefits under this Policy may be available as per the prevailing Income Tax laws in India. For more details on risk factors and terms and conditions, please read the sales brochure carefully before concluding a sale.  
Edelweiss Life Insurance Company Limited (formerly known as ‘Edelweiss Tokio Life Insurance Company Limited’). 
Flower & Edelweiss are trademarks of Edelweiss Financial Services Limited used by Edelweiss Life Insurance Company Limited under license. 

IRDAI Reg. No.: 147. CIN: U66010MH2009PLC197336. UIN: 147N112V01 | ARN: WP/4381/Dec/2025

Registered & Corporate Office: 6th Floor, Tower 3, Wing ‘B’, Kohinoor City, Kirol Road, Kurla (W), Mumbai 400070. 

Toll Free No.: 1800 212 1212 | www.edelweisslife.in

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS

IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

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