Edelweiss Life Logo

Menu Display

Breadcrumb

Flexi Savings Plan

×

Need Assistance?

By submitting my details, I override my NDNC registration and authorize Edelweiss Life Insurance Company Limited and its representatives to contact me through call, WhatsApp or E-mail for providing assistance with the proposal. I further consent to share my information with third parties for evaluating and processing this proposal.
wrp-slide wrp-mobile

Build Your Own Path Towards Your Goal with a
Plan That Grows With You Customizable Income Plan! 

Introducing Edelweiss Life – Flexi Goal Secure, a savings life insurance plan that offers
life cover, option to accumulate survival benefits and the unique ability to cover two lives
with the ‘Two-gether Option’ - so your goals, and the people you love, are always protected

Product Enquiry

Take a step ahead to secure your goals

Download Brochure
Get Started

Flexi Savings Plan Sticky Menu

Flexi Goal Secure brochure

scroll2
A Multiple of single/annualized premium as life cover at all time during policy tenure
productbrochure
Product Prospectus
samplecontact
Sample Contract
ratetable
Rate Table
View
Benefit Illustration
Customer Information Sheet

Benefit Element - FGS

How this Plan Helps You Achieve More?

Protect Your Family's Financial Future

Life insurance cover throughout the policy term plus a maturity benefit if you survive to the end. 

Two Plan Options for Every Need

Choose from multiple benefit types with our two plan options: Flexi Value Option and Two-gether Option

Accumulate and Withdraw on Your Schedule

Accumulate up to 100% of your survival benefits within the policy. Withdraw anytime, in any proportion.

Additional Benefit for Existing Customer & Family of Existing Customer

Existing Edelweiss Life Insurance customers/family of existing customers get a higher Sum Assured on Maturity at inception.

Benefits of Edelweiss Life – Flexi Goal Secure

Benefits of Edelweiss Life – Flexi Goal Secure

Choose your plan option, premium paying term, and death benefit option (not applicable for Two-gether Option). Your sum assured on death and sum assured on maturity are determined based on these along with your age and gender.

In addition to the Sum Assured on Maturity, the plan provides Guaranteed Maturity Additions (GMA) that accrue over time. GMA is payable at maturity, death, or surrender. 

At any point during the policy term, you may choose to accumulate up to 100% of your survival benefits instead of taking regular payouts. Accumulated benefits grow at a guaranteed rate declared annually based on the participating fund's performance. For more details refer to the sales brochure.

Note: This option can be availed under in-force as well as reduced paid-up policies, provided there is no outstanding loan.

Register for ECS Mandate/Auto-debit and earn an enhanced Maturity Benefit. The additional benefit is a percentage of the applicable SAM + Welcome Benefit + total accrued GMA, paid at maturity along with the Maturity Benefit. For more details refer to the sales brochure.

Existing Edelweiss Life policyholders and their eligible family members (spouse, parents, siblings, children, spouse's parents and siblings) receive a higher Sum Assured on Maturity at inception. For more details refer to the sales brochure.

Premiums paid and benefits received will be eligible for tax benefits under the applicable provisions of the Income Tax Act, 1961. Tax benefits are subject to changes in tax laws. Please consult your tax advisor.

3 Plan Options

3 Plan Options Flexi Savings Plan

Option 1- Flexi-Income Option

  • Option to receive both Survival Benefit and Maturity Benefit
  • Survival Benefit is equal to regular income that will be payable annually in arrears every policy year, starting from the chosen Income Start Year till the end of policy.
  • The various Income Start Year options available are 2nd Policy Year, 5th Policy Year and (PPT+1)th Year.
  • The regular income comprises of Guaranteed Income, Cash⁵ Bonus, and Reversionary⁷ Bonus payout.
  • Maturity Benefit is equal to Sum Assured on Maturity## plus applicable bonus, if any.

Option 2- Flexi-Income PRO Option

  • Option to receive both Survival Benefit and Maturity Benefit
  • Under this Plan option, Survival Benefit is equal to Regular Income plus Guaranteed1 Lumpsum.
  • Guaranteed1 Lumpsum payments payable in the interval of 5 years in the form of cash payouts.
  • The regular income comprises of Guaranteed1 Income, Cash⁵ Bonus, and Reversionary⁷ Bonus payout.
  • For PPT options 8 & 10 years, the lumpsum payments are payable at the end of the 10th, 15th, 20th, 25th and 30th policy year
  • For PPT options 12 & 15 years, the lumpsum payments are payable at the end of the 15th, 20th, 25th and 30th policy year
  • Regular income will be payable every year from Income Start Year (ISY) till the end of the Policy Term
  • Guaranteed1 Lumpsum payments are payable in the interval of 5 years in the form of cash payouts till 30th policy year or death, whichever is earlier, while the policy is in-force*.
  • Income Start Year options available are 2nd Policy Year, 5th Policy Year and (PPT+1)th Policy Year

Option 3- Large Sum Option

  • Maturity Benefit is equal to Sum Assured on Maturity## + Loyalty Sum Assured on Maturity plus accrued bonuses5,7, as applicable.
  • Loyalty Sum Assured on Maturity  is payable only for this Plan Option.
  • For Premium Paying Term (PPT) options 5, 7 and 8 years, Policy Term (PT) of 10, 12, 15, 20, 25, 30 is available.
  • For Premium Paying Term (PPT) options 10 & 12 years, Policy Term (PT) of 15, 20, 25, 30 is available.
  • For Premium Paying Term (PPT) options 15 years, Policy Term (PT) of 20, 25, 30 is available.

Choice of 6 Riders⁹ Flexi Goal Secure

6 Optional Riders⁹ to Strengthen Your Plan

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.

Know More

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.

Know More

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

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.

Know More

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.

Know More

Income Benefit Rider

Get the power of providing financial security in the form of regular income to your family when you’re no longer around with this rider.

Know More

Steps to Buy - FGS

4 Simple Steps to Secure Your Future! 

1

Step 1 – Choose Your Plan Option

  • Select from Flexi Value Option or the Two-gether Option. The option is chosen at inception and cannot be changed.
2

Step 2 – Customize Your Plan

  • Choose your annual premium, Death Benefit Option (for Flexi Value only), Premium Paying Term, Policy Term, premium payment frequency. Your sum assured at maturity and guaranteed maturity additions will be calculated based on these inputs plus your age and gender.
3

Step 3 – Enhance Your Protection

  • Add optional riders at a small additional premium to strengthen your cover - choose from 6 available riders9.
4

Step 4 – Manage Your Benefits Your Way

  • Once your policy is active, you can accumulate your survival benefits within the policy and withdraw in any proportion at any time during the policy term. Register for auto-debit to earn an enhanced maturity benefit.

Asset Publisher

More Products You'd Love to Explore

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

Build Your Own Path Towards Your Goals with a Plan That Grows with You!

A life insurance plan designed to secure your family’s financial future in case of an untimely death.

  • Secure your family’s financial future through life insurance cover

  •  Choose from multiple benefit types with our two plan options: Flexi Value Option and Two-gether Option

  • Secure your future goals by customising your benefits using an option to accumulate your Survival Benefits

  • Tax benefits³ u/s 80C & 10(10D), as per Income Tax Act, 1961

KNOW MORE

Need expert advice

chat

Need expert advice?

Chat with our experts

Reasons Why You’re Bound to Love Us Back covid-19 insurance plan

Reasons Why You’re Bound to Love Us Back

zindagi-unlimited

We’ve got experience in helping people make their Zindagi unlimited

grow-wealth

We've got the expertise to help you grow your wealth

innovation

We constantly innovate our offerings to get better results for you.

Here's Why Our Customers Adore Us

Here's Why Our Customers Adore Us

Look at what people had to say about our services
Our customers say
Good
4/5
based on 600 reviews

Asset Publisher

ETLICustomer

Nice talking to you, you had resolved my query. Thank you so much Kahiaf.

SHIVANGI HARISH AGRAWAL

(Customer)
ETLICustomer

Thank you, for your resolution, Thank you so much.

GOPA RAM GARG

(Customer)
ETLICustomer

Adil, You had given me the best service, Thank you so much, and I’m well satisfied with your resolution.

MANISH KHARE

(Customer)
ETLICustomer

I’m completely satisfied with your answer and thank you so much to resolve my query

Vijay Sharma

(Customer)
ETLICustomer

“Thank you so much Kahiaf, you had helped me a lot and resolved all my queries, Thank you very much.

RAHUL MATA PRASAD YADAV

(Customer)
ETLICustomer

Thank you so much Kahiaf, you had helped me a lot.

RAHUL MATA PRASAD YADAV

(Customer)
ETLICustomer

“You was very helpful and very patient and your vocabulary & presentment are very clear, Thank you so much for your help vaishali.”

ZUBAIR SAIGAL

(Customer)
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

(Customer)
ETLICustomer

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

VEENA SHARMA

(Customer)
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)

Fire Away Queries Flexi Goal Secure

Fire Away Queries

Like teachers say, there are no silly questions

Why should I invest in a savings insurance plan?

In today's uncertain world, prudent savings are essential. A savings insurance plan ensures your future income remains intact - whether you live a long life or face an untimely event. Flexi Goal Secure combines life insurance cover with the flexibility to build and access wealth over time.

Was this helpful?

Flexi Goal Secure provides life insurance protection along with the flexibility to customise your benefits based on your future financial needs. This plan is designed to provide protection to your family from any financial loss in case of an untimely death.

Was this helpful?

The plan can help you meet a wide range of financial milestones - buying a home, funding education, planning a wedding, building a retirement corpus, or leaving a financial legacy. The Accumulation of Survival Benefits feature lets you time your withdrawals around specific life goals.

Was this helpful?

This plan suits individuals who:
•    Want a combination of life insurance and long-term savings
•    Prefer predictable, participating returns over market-linked risk
•    Want to cover two lives under one plan (Two-gether Option)
•    Want flexibility in how and when they receive plan benefits
•    Are existing Edelweiss Life customers looking to strengthen their portfolio

Was this helpful?

You may choose between two Death Benefit Options at inception, based on which the Death Benefit will be payable. The two plan options are as - Flexi Value Option and Two-gether Option. There is no choice of Death Benefit option with Twogether plan option.

Was this helpful?

You may choose to accumulate up to 100% of your survival benefits instead of taking regular payouts. The accumulated amount grows at a guaranteed 2% p.a. plus a separate Cash Bonus rate declared by the Company every year. You can withdraw any proportion at any time as a lump sum; the balance continues to grow and is paid at maturity, surrender, or on death.

Was this helpful?

If you register for ECS Mandate/Auto-Debit and all premiums are collected through this facility, you are eligible for an enhanced maturity benefit. This is a percentage of SAM + Welcome Benefit + total accrued GMA, and ranges from 1.00% (PT 20) to 6.00% (PT 40).

Was this helpful?

There is an additional benefit for existing Edelweiss Life customers and eligible family members of customer to receive a higher Sum Assured on Maturity at inception. The additional benefit ranges from 0.75% to 1.25% of SAM at inception, depending on the PPT chosen. Family is defined as “spouse, parents, siblings, children, spouses’ parents and spouse’s siblings”.

Was this helpful?

The Two-gether Option covers a Primary and a Secondary Life Insured under one policy. Eligible relationships: Spouse or Parent and Child. This option must be chosen at inception and cannot be changed. On the death of the Primary LI, the death benefit is paid, future premiums are waived, and the policy continues for the Secondary LI till maturity or their death, whichever comes first.

Was this helpful?

Maturity Benefit = Sum Assured on Maturity + Welcome Benefit + accrued Guaranteed Maturity Additions + Terminal Bonus (if declared). The total of all Survival Benefits and Maturity Benefit will be at least equal to Total Premiums Paid.

Was this helpful?

Flexi Value Option: minimum 0 years; maximum varies by PPT and Death Benefit Option (45-60 years).
Two-gether Option: Primary LI minimum 18 years; Secondary LI minimum 0 years; maximum varies by PPT (45-58 years).

Was this helpful?

Six optional riders: Accidental Death Benefit Rider, Accidental Total and Permanent Disability Rider, Critical Illness Rider, Waiver of Premium Rider, Payor Waiver Benefit Rider, and Income Benefit Rider.

Was this helpful?

Yes, a policy loan is available once the policy acquires surrender value. The maximum loan amount is 60% of surrender value. The current rate as of 15th February, 2026 is 9.30% per annum, compounded annually.

Was this helpful?

You have 30 days from the date of receipt of the policy document to review the terms and conditions. If you disagree with any of the terms, you may return the policy for cancellation within this period.

Was this helpful?

15 days for monthly premium payments; 30 days for all other modes. The policy remains in-force during the grace period. If death occurs during the grace period, the death benefit is paid after deducting the premium due for that policy year.

Was this helpful?

In the event of death (either Primary Life Insured or Secondary Life Insured or both) due to suicide within 12 months from the date of commencement of risk or the date of revival, the nominee is entitled to the higher of 80% of Total Premiums Paid or the Surrender Value as on the date of death. The policy terminates upon making this payment. No further benefits are payable.

Was this helpful?

Flexi Savings Any Queries

mail-info

We are always there for you !

For queries, write to [email protected]

Contact us on 022 6611 6027

Vedio Flexi Savings Plan

Videos

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 Optional and available at extra cost. Please refer rider brochure for more details. 

Edelweiss Life - Accidental Death Benefit Rider is an Individual, Non-Linked, Non-Participating, Pure Risk Premium, Health Insurance Rider. UIN 147B002V05.
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 - Critical Illness Rider is an Individual, Non-Linked, Non-Participating, Pure Risk Premium, Health Insurance rider. UIN 147B005V05
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, Health Insurance rider. UIN 147B014V06
Edelweiss Life - Income Benefit Rider is  an Individual, Non-Linked, Non-Participating, Pure Risk Premium, Health Insurance rider. UIN 147B015V02

Edelweiss Life – Flexi Goal Secure is an Individual, Non-Linked, Participating, Savings, Life Insurance Plan. Please know the associated risks and 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: 147N117V01 | ARN : WP/4408/Mar/2026
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.

Asset Publisher