Edelweiss Life - Flexi Goal Secure

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.

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.

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

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.

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.

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).

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”.

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.

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.

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).

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.

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.

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.

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.

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.