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   IN UNIT LINKED INSURANCE POLICIES, INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. This advertisement is designed for combination of Benefits of two or more individual and separate products named (1) Edelweiss Life - Guaranteed Savings STAR UIN (147N074V02), A Non-Linked, Non-Participating, Individual, Savings, Life Insurance Plan (2) Edelweiss Life – Wealth Rise+ UIN (147L076V02), A Unit Linked, Non-Participating, Individual, Life Insurance Product. These products are also available for sale individually without the combination offered/suggested. This benefit illustration is the arithmetic combination and chronological listing of combined benefits of individual products. The customer is advised to refer to the detailed sales brochure of respective individual products mentioned herein before concluding sale.

IN UNIT LINKED INSURANCE POLICIES, INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. This advertisement is designed for combination of
Benefits of two or more individual and separate products named (1) Edelweiss Life - Guaranteed Savings STAR UIN (147N074V01), A Non-Linked, Non-Participating, Individual, Savings, Life Insurance Plan (2) Edelweiss Life – Wealth Rise+ UIN (147L076V01), A Unit Linked, Non-Participating, Individual, Life Insurance Product. These products are also available for sale individually without the combination offered/suggested. This benefit illustration is the arithmetic combination and chronological listing of combined benefits of individual products. The customer is advised to refer to the detailed sales brochure of respective individual products mentioned herein before concluding sale.

Product Customized Investment

Your Details
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Total Returns *
at the end of policy
Plan Details
Capital Secure+

(Wealth Rise+ and Guaranteed Savings STAR)

A Capital Guarantee Solution that offers the benefits of market-linked returns with Edelweiss Life - Wealth Rise+ and guaranteed return of total invested premiums at maturity with Edelweiss Life - Guaranteed Savings STAR.

Investment Details

Edelweiss Life - Wealth Rise+

Edelweiss Life - Guaranteed Savings STAR

Premium Paying Term

Premium Paying Mode

Total Investment per Annum

Total* Returns

(Marked-Linked + Guaranteed Returns)

Market-Linked Returns with Wealth Rise+ @8%

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Guaranteed Return of Premiums with Guaranteed Saving STAR

Capital Secure+

A Capital Guarantee Solution to Nurture Your Savings

Reasons why you are making the right decision by investing in Wealth Secure Plus

02-Aspirations
03-Bright-Future-For-Your-Childs-Security
02-Customize-According-to-Your-Needs
05-7-funds
04-Boost-The-Secret-for-Your-Funds-Growth
05-Options-For-You-to-Make-a-Better-Choice
08-Advanced-Protection
06-Tax-benefits

GCAP Reasons Why You’re Bound To Love Us Back

Reasons Why You’re Bound To Love Us Back

Fire Away Queries

Fire Away Queries

Like teachers say, there are no silly questions

What is a Capital Guarantee Solution?

A solution that combines the benefits of Unit Linked Insurance Plans (ULIPs) and guaranteed returns plans. This type of a solution provides you the best of both worlds - security of your money invested and an opportunity to grow your money. Also, you get life cover for the entire policy duration ensuring that your family is protected even in your absence. If you are looking for a guarantee on your money invested along with additional returns to fulfil goals such as children’s educationretirement planning, child’s marriage etc., then this is a must-have solution for your savings and investment!

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By combining the advantages of market linked returns (Edelweiss Life Wealth Rise+) and guaranteed returns (Guaranteed Savings Star), you can save and accumulate wealth for the future and enjoy the best of both worlds. It may be a great choice for someone who wants to keep a balanced and diversified portfolio with both market linked and guaranteed products.

You invest your money in various market-linked investment funds based on your risk profile while also ensuring that at the end of the policy duration, your capital is secured irrespective of the capital market changes. Additionally, this solution ensures that in case of any unfortunate event, your family stays protected.

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Investing money can be challenging and we will help you simplify it. When planning your portfolio, to diversify it, three major product types are a must- 1) a plan that offers life cover, 2) market-linked returns and 3) and guaranteed returns. Capital Secure+ is a 3-in-1 solution for all these requirements. So, if you are looking for a balanced portfolio, Capital Secure+ is the ideal solution for you. No need to be hassled in managing 3 separate plans when you can get all the benefits in one.

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This plan can help you save for all kinds of goals—short term or long term, with policy term starting from 10 years to 40 years.

With the Systematic Withdrawal Plan, you may choose to withdraw capital at regular pre-decided intervals based on your life-stage requirements. And you may also withdraw capital for any emergency.

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You, as a customer, have the choice of purchasing any one or both products as per your need and choice. There is no compulsion whatsoever that        these products are to be taken together as suggested by the insurer and presented in this proposed product combination.

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Under this plan, you get life cover of  10 times annualized premium depending on the annualized premium chosen.

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The 7 fund options are as follows:

  • Equity Large Cap Fund
  • Equity Top 250 Fund
  • Equity Mid-Cap Fund
  • Managed Fund
  • Bond Fund
  • Equity Blue Chip Fund
  • GILT Fund

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The 7 funds are mixed in a way to suit your risk appetite. Some people like to play with higher risks, while others prefer to take moderate risks.            Funds like Equity Large Cap Fund, Equity Top 250 Fund, Equity Mid-Cap Fund, and Equity Blue Chip Fund, Bond Funds have high risks, Managed          Funds have medium risks, and GILT Fund has low to medium risks

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You can start your savings at just ₹1,000 per month. 

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The premium paying term when you opt for the ‘base cover’ is 5, 8, 10, 12 years, Regular Pay and Single Pay. 

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The Policy Terms (PT) available under the product are as follows: 
Base Cover - 5, 10, 15, 20, 25, 30, 35, 40 years and ‘To Age 100’ where policy term is (100 – ‘Age at Entry’) years.

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On the death of the policyholder under ‘Little Star Benefit’:
For a premium paying policy, Death Benefit equal to the sum of all the future modal Premiums, if any, shall be added to the respective unit linked        funds in the same proportion as the fund value held in the unit linked funds at the time of additions.
After the crediting of death benefit to fund value:
• The Policy will continue till Maturity or death of Life Insured, whichever is earlier.
• No future premiums are required to be paid.
• Policy will not move in discontinued status, as the policy will be treated as fully paid-up policy, wherein all future premiums are assumed to have been paid.
• Loyalty Additions will be added till end of the premium paying term provided the policy was in in force as on the date of death of policyholder.
• Maturity Additions, Booster Additions and Guaranteed Lumpsum will be added as and when due.
• Life Cover on Life Insured will continue
• Relevant charges like Policy Administrative Charges, Fund Management Charges and Mortality charges on
Sum at Risk on the life of Life Insured will continue to be levied as and when due.

For a fully paid-up policy, reduced paid-up policy and policies in discontinuance status, death benefit is not available on death of policyholder. 

Payor Waiver Benefit is applicable on the death of the policy holder. In such a case, all your remaining premium payments will be waived off and your policy benefits will continue unaffected. This Rider is applicable on plans where the life insured, and proposer of the policy are different people.

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There are no charges on premium allocations, top-up allocations, switching funds, premium redirections, or partial withdrawals. Fund management charges are a percentage of the asset value of the relevant fund and will be reflected in the NAV of the respective fund. Policy administration            charges are also applicable up to 10th policy year, irrespective of the premium paying term.

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Capital Secure+ offers guaranteed return of premiums at maturity. In case of demise of the policyholder during the policy term, the life cover is guaranteed.

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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 policy or from the date of revival, your nominee or beneficiary      shall be entitled to the available fund value as on date, of the intimation of death.
 

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Grace period of 15 days is available for monthly premium payment mode and 30 days for all other premium payment mode.

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Yes, Life Cover of 7 times to 10 times annualized premium on individual life depending on the annualized premium chosen is available throughout the policy term, provided all premiums are paid and the policy is in-force.

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Capital Secure Plus any query

mail-info

We are always there for you

For queries, write to onlinesales@edelweisslife.in

Contact us on 022 6611 6092

The Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender/withdraw the monies invested in Linked Insurance Products completely or partially till the end of the fifth year.

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

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

9- Riders are available at extra cost. Please refer rider brochure for more details.
Edelweiss Life – Payor Waiver Benefit Rider is only the name of the Individual, Non-Linked, Non-Par, Pure Risk Premium, Life Insurance Rider. UIN 147B014V05

#- This benefit is applicable under Edelweiss Life Wealth Rise+, A Unit Linked, Non-Participating, Individual, Life Insurance Product. This product is also available for sale individually without the combination offered/suggested.

* Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your insurer carrying on life insurance business. If your policy offers guaranteed benefits then these will be clearly marked "guaranteed" in the illustration table on this page. If your policy offers variable benefits then the illustrations on this page will show two different rates of assumed future investment returns. These assumed rates of return are not guaranteed and they are not the upper or lower limits of what you might get back, as the value of your policy is dependent on a number of factors including actual future investment performance.

Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. The premium paid in unit linked life insurance policies are subject to investment risk associated with capital markets and the unit price of the units may go up or down based on the performance of investment fund and factors influencing the capital market and the policyholder is responsible for his/her decisions. Edelweiss Life Insurance Company Limited is only the name of the Insurance Company and Edelweiss Life – Wealth Rise+ is only the name of the unit-linked life insurance contract and does not in any way indicate the quality of the contract, its future prospects, or returns. Please know the associated risks and the applicable charges from your Personal Financial Advisor or the Intermediary or policy document of the Insurer. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. Tax benefits are subject to changes in the tax laws. UIN: 147L076V02


Edelweiss Life - Guaranteed Savings STAR is a Non-Linked, Non-Participating, Individual, Savings, Life Insurance Plan. 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 sales brochure carefully before concluding a sale. UIN: 147N074V02

Flower & Edelweiss (as displayed above) are trademarks of Edelweiss Financial Services Limited used by Edelweiss Life Insurance Company Limited under license.

Edelweiss Life Insurance Company Limited (formerly known as ‘Edelweiss Tokio Life Insurance Company Limited’).

IRDAI Reg. No.: 147. CIN: U66010MH2009PLC197336 | ARN: WP/3795/Jul/2024

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

Toll Free No.: 1800 212 1212 | Fax No.: +91 22 6117 7833 | www.edelweisslife.in

Flower & Edelweiss (as displayed above) are trademarks of Edelweiss Financial Services Limited used by Edelweiss Life Insurance Company Limited under license.

 

BEWARE OF SPURIOUS PHONE CALLS AND FICTIOUS/FRAUDULENT OFFERS

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