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Har Sapna Hoga Poora with a
Guaranteed¹ Returns Plan

Life is better when you have financial certainty with assured¹ returns
and an Enhanced Cover option that lets you protect your loved ones
with 20x your premium⁴. Presenting, Edelweiss Life Guaranteed
Savings STAR, with affordable savings, life cover and tax benefits³.

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Secure your future by starting now and gaining a comprehensive understanding of the plan
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Product Brochure
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Reasons Why This Plan is Suitable for Tomorrow!

Reasons Why This Plan is Suitable for Tomorrow!

Reason-1

Guaranteed¹ Returns Jaise Aap Chaho!

Choice to receive guaranteed¹ returns as lumpsum at maturity or in of 5 equal annual instalments

Reason-2

Protection, 10x or 20x?

Base or Enhanced Cover to cater to your family’s future financial protection needs with 10 times or 20 times the premiums⁴

Reason-3

Benefits, Family ke Liye!

Option to continue reaping policy benefits with all future premiums waived off, on unfortunate demise or diagnosis of a critical illness

Reason-4

Tax Ki Bhi Bachat³!

Save taxes up to ₹46,800* with premiums u/s 80(C) and avail tax benefit³ on your maturity benefit u/s 10(10D)

Benefits of Guaranteed Saving STAR

Benefits of Guaranteed Saving STAR

01-Lumpsum-Regular-Guaranteed-Return
02-Enhanced-cover
03-century-long-protection
04-Family-Income-Benefit
05-Tax-Benefit

Pay-out as you like! With an option to receive guaranteed1 returns as lumpsum at maturity or in a regular stream of 5 equal annual  instalments, this is the plan you need to chase your dreams. Such flexibility makes it easy for you to fulfil future goals such as buying your dream house, a luxury car, saving for your child’s higher education, etc.

01-Lumpsum-Regular-Guaranteed-Return

Higher cover for advanced security! This plan offers Enhanced Cover option, through which you can safeguard your loved ones’ futures with 20x the premium4 paid in case you’re not around to look after them.

02-Enhanced-cover

Hit a century, tension-free! Guaranteed1 savings and life cover for a policy term as high as 40 years. On entering the policy at age sixty, protect your loved ones till you hit a century and enjoy savings that lasts a lifetime.

03-century-long-protection

Benefits you can’t ignore! This optional benefit ensures that in case of an unfortunate death or diagnosis of covered Critical Illness, you and/or your family continues to receive the policy benefit, with all future premiums waived off. There are two options under this benefit - Family Income Benefit on Death & Family Income Benefit on Critical Illness and Death.

04-Family-Income-Benefit

Deductions, that everyone dislikes! The premiums you pay towards this plan are eligible for tax deductions up to ₹46,800* under section 80(C) and the returns you receive have tax benefits³ under section 10(10D). This makes investing in this plan a smart investment.

05-Tax-Benefit

Choice of 5 Riders

Choice of 5 Riders⁹

Accidental Death Benefit 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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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.

Know More

Get Guaranteed¹ Income in just 4 steps!

Get Guaranteed¹ Income in just 4 steps!

1

Pick the Basics

  • Select your plan option
  • Choose the amount you want to start saving
  • Choose your policy term, premium paying term & frequency (Note-Sum Assured on Death and Sum Assured on Maturity will be determined based on the above inputs plus your age & gender)
2

Customize Your Plan

  • Opt for Lumpsum benefit
  • Opt for Family Income Benefit on Death or Family Income Benefit on Critical illness & Death
  • This can be opted for at policy inception only
3

Enhance Your Plan

  • Choose from six riders
  • Get enhanced protection with the rider(s) selected
4

Sit Back and Relax

  • Submit the requested documents
  • Let us verify your details so you can start getting guaranteed income!

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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

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Reasons Why You’re Bound To Love Us Back Premier Guaranteed Income Customize

Reasons Why You’re Bound To Love Us Back

claim

99.23% Claim Settlement Ratio**

Our Promise of Integrity- 99.23% Claim Settlement Ratio** for FY 2024

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Most Trusted BFSI Brand - 2023

Recognised among 'Most Trusted BFSI Brands 2023' by Marksmen Daily^³

Testimonial Rating

Here's Why Our Customers Adore Us

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

Asset Publisher

ETLICustomer

I am very pleased to avail the services of Edelweiss Life. Very co-operative ,responsive & timely.I will surely recommend my friends and relatives to opt your services.

Gorachand Adhikari

(Sr. Engineer)
ETLICustomer

Thanks for providing the good news that the policy has been issued.Yes,the service was very good from Edelweiss Life Insurance to avail this insurance within the scheduled time.I hope the same kind of support will continue for this long term relationship with Edelweiss Life.

Kartik Nayak

(Sr Engineer)
ETLICustomer

Thank you for effectively closing the proposal.I would like to share my views regarding the service I received from Edelweiss Life and personally from Kaushik who has been my point of contact through out this transaction.Just to give you a background I work as Director with an IT MNC and I am someone who understands the insurance and Financial products very well.What was impressive with Edelweiss Life was the transparency in the whole process.I will be happy to suggest ET to my friends.

Deepak Kulkarni

(Director)
ETLICustomer

It was an absolute pleasure to interact with you for this policy issuance.Overall experience with Edelweiss Life was amazing & I'm extremely satisfied with the services.In fact the policy kit is one of the most innovative policy kits,especially the tag line "The key to your family's financial security".

Alok Shukla

(Sr. Manager)
ETLICustomer

As per my readings.. of edelweiss & tokio companies.. They are in very less aged. in Indian Insurance... but according to their commitment.. It will be better player in the market in the coming days.In term insurance, we have to candid in information to the company.. then everything is positive..I am the happy customer..

Ramesh Munagala

(Sr. System Engineer)
ETLICustomer

Thanks for issuing the policy.I am very much satisfied with the professionalism shown by entire team (sales/UW/support).Special token of appreciation to Rohan in getting things clarified and resolved so promptly.Wonderful and pleasant expereince

Nishant Kumar

(Asst. Manager)
ETLICustomer

I brought this plan because it is one of the very few policy which gives a coverage for 80 yrs. second I purchased it from policy bazaar.com, so have to mention that their coordination is also impressive. Third the communication from Edelweiss team was so good . they informed me every thing and let me informed at each and every stage.They personaly assigned me a person named Sneha from ET, she walked me through all the proceedings. I hope you people continue the service in India, like this

Arvind Kumar

(Consultant)
ETLICustomer

I am happy to get a term plan from Edelweiss Life and to be associated with such a reputed organisation. A good, calm and helpful representative assisted me throughout the process. Really appreciatable. Hope this will continue in the future.

Shiddarth Awasthy

(Jharsuguda)
ETLICustomer

Thank you for processing and issuing my policy. From the beginning till issuance of my policy, it is been nice and hassle free. Your follow up and subsequent guidance, help in generating a smooth transaction.

B. Nakkina

(Godavari)
ETLICustomer

I am happy with the services of Edelweiss Life. All staff members are very professional. They provided guidance to complete the form and helped me in submitting my documents. They arranged my medicals and gave reminders from start of policy till issuance.

Sourabh Kapoor

(Amritsar)
ETLICustomer

"I am very much happy with the customer care executives that deal with me from initial discussions regarding policy & its benefits plus facilities till the time to issuance of policy. They had also informed every steps till receiving the policy hard copy through courier. The third party associated i.e. for medical checkup team also very cooperative & helpful. Thanks to all these stakeholders in procuring this policy"

Pankaj Kumar Mandal

(Manager)
ETLICustomer

Recently taken TOTAL SECURE+ policy for me. I love the policy which cover me until I attain 80 years. Hassle free application procedure through online. Even at every small corrections/requirements customer care quick response is awesome. Complete physical check up at home is unbelievable. With in 10 days every thing completed and policy soft copy also available. Taken policy even doing my daily works as per my time convenience. Definitely a nice experience.

Ravi Phani Sekhar Pampani

(Manager)
ETLICustomer

Customer services are very good and satisfied to answer any question.

Vikash Kumar

(Manager)
ETLICustomer

Good overall experience with informed representative. Good website to buy insurance yourself.

Premal Parikh

(Manager)
ETLICustomer

I just bought some other insurance along with Edelweiss Life...but Edelweiss Life service...u guys rock man... Thanks

Mrigendra

(Manager)
ETLICustomer

Excellent customer service,one of the best service I never heard,all the very best team

Parameshkumar

(Manager)
ETLICustomer

Customer service realy super and product schem is very nice.

Biswajit Roy

(Manager)
ETLICustomer

Very good to describe policy detail with very patience ,i like very much

Premchandra Paswan

(Manager)
ETLICustomer

The customer service is prompt and helpful for any clarification.

Sudipan Ghosh

(Manager)
ETLICustomer

Customer care people were very good in resonding to all my querries with patience. I appreciate them

Thotli Jayaprakash

(Manager)

Fire Away Queries Guaranteed Savings Star

Fire Away Queries

Like teachers say, there are no silly questions

Why should I invest in a guaranteed savings plan?

A guaranteed savings plan is a great choice for someone who wants to save and accumulate wealth for the future. It helps you create financial discipline in your life. Along with life insurance coverage, such plans also provide guaranteed returns. With the guaranteed returns received from the plan, you can easily plan and fulfil your long-term and short-term goals.

Was this helpful?

Edelweiss Life – Guaranteed Savings STAR is a guaranteed returns plan designed for you to save for your future. You can choose to receive your pay-out as lumpsum or as a regular stream over 5 years. With two plan options, i.e., Base Cover and Enhanced Cover, you can also protect your loved ones with 10x and 20x sum assured of the premium paid, respectively.

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This plan helps any earning/business professional to set aside regular savings as small as Rs. 500 per month for wealth creation and tax-benefits. Be it a working woman, salaried professional, self-employed or businessman, this plan provides you a boost to fulfil your goals. With a savings plan, you can achieve life goals like child’s education or marriage. You can also fulfil other goals such as buying a luxury car, your dream home or planning a peaceful retirement. 

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Yes, all the benefits in this plan are guaranteed.

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Life Cover is available throughout the policy term, provided all premiums are paid and the policy is in-force.

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The product offers following two Plan Options.  The Policyholder needs to select one of the Plan Options at inception – Base and Enhanced Cover. 

  • Base Cover offers 10 times the Annual/Annualized Premium. 
  • Enhanced Cover offers 20 times the Annual/Annualized Premium.

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With ‘base’ plan option, there is an additional optional benefit of Family Income Benefits - Family Income Benefits on Death and Family Income Benefits on Critical Illness and Death. This benefit ensures that in case of an unfortunate event of death or diagnosis of covered Critical Illness of the Life Insured, you and your loved ones don’t have to compromise on your dreams as you/they will continue to receive benef

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For the Base Cover option, the Premium Paying Term (PPT) options are 5, 8, 10 & 12 years. However, if you plan to go for the Enhanced Cover option, the Premium Paying Terms (PPT) are 8, 10 and 12 years.

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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 risk commencement date or from the date of revival of the policy, your beneficiary shall be entitled to receive at least 80% of the Total Premiums Paid, provided the policy is in in-force.

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A rider is an additional and optional benefit that you can choose, to enhance your plan.

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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 - Critical Illness Rider
  • Edelweiss Life - Waiver of Premium Rider
  • Edelweiss Life - Payor Waiver Benefit Rider

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Grace period of 15 days, where you pay the Premium monthly, and 30 days in all other cases, is available.

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When bought online, the minimum premium for annual mode is Rs 6,000, for semi-annual mode is Rs. 3,072, for quarterly mode is Rs. 1,560 and for monthly is Rs. 500. There is no limit for maximum premium and is subject to board approved underwriting policy.

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The minimum entry age without Family Income Benefit is 0 years and with Family Income Benefit is 18 years. 

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Any Queries For Guaranteed Savings Star

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We are always there for you!

For queries, write to [email protected]
Contact us on 022 6611 6044

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

2 - The minimum premium amount under this plan is ₹ 500/- per month when bought online. The premium amount is applicable when premium payment mode is selected as annual. The minimum premium for annual mode is consistent with minimum sum assured on death available under the product. For other than annual mode, the minimum premium is consistent with minimum premium for annual mode after allowing for modal factors.

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

4 – On selecting plan option Enhanced Cover, the Sum Assured on Death at any point of time, provided the policy is in-force is highest of: - 20 times the annualized premium or any absolute amount assured to be paid on death or 20 times the annual premium. 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. Annual Premium shall be the premium payable in a year chosen by the Policyholder, including loadings for modal premiums and the underwriting extra premiums, if any but excluding the taxes, rider premiums, if any.

5 – On selecting plan option Base Cover, the Sum Assured on Death at any point of time, provided the policy is in-force is highest of: - 10 times the annualized premium or any absolute amount assured to be paid on death or 10 times the annual premium. 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. Annual Premium shall be the premium payable in a year chosen by the Policyholder, including loadings for modal premiums and the underwriting extra premiums, if any but excluding the taxes, rider premiums, if any.

6 - Income Benefit payouts are paid End of the Year.

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

* Tax benefit of ₹ 46,800 is calculated at highest tax slab rate of 30% (in addition to income tax, cess of 4% is also applicable) on life insurance premium u/s 80C of ₹ 1,50,000. As per provisions of Income Tax Act, 1961. Tax benefits are subject to changes in tax laws.

** - Claim statistics are for Financial Year 2023-24 and is computed basis individual claims settled over total individual claims for the financial year. For details, refer to Public Disclosures in our Website.

^³ - Listed as one of the Most Trusted BFSI Brands 2023 by Marksmen Daily. The survey conducted by LeadCap Ventures for Marksmen Daily appraised the brands based on parameters like quality & consistency, uniqueness, value delivered, Brand affinity, innovation, affluence and more. Source: https://marksmendaily.com/2023/06/24/building-trust-in-a-changing-world-order/

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.

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

IRDAI Reg. No.: 147 | CIN: U66010MH2009PLC197336 | UIN: 147N074V03. | ARN: WP/3935/Oct/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

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

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