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Zindagi Gulzar Hai – Life is like a Garden!
 

It’s filled with the fruits of the past and the blossoming buds of tomorrow. However, it is also filled with the thorns of uncertainties and eventualities. Most of us, in our worries about the uncertain, forget to enjoy our lives. Read More

IN THE UNIT LINKED POLICIES, INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER
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Zindagi Gulzar Hai – Life is like a Garden!
 

It’s filled with the fruits of the past and the blossoming buds of tomorrow. However, it is also filled with the thorns of uncertainties and eventualities. Most of us, in our worries about the uncertain, forget to enjoy our lives. 
 

Edelweiss Life Insurance offers solutions in the form of Investment Plans. These plans offer protection for life as well as the opportunity for wealth creation, so that you can reap its benefits in the future and enjoy the fragrance of flowers!

What are Investment Plans?


An investment plan is an insurance plan that helps you in saving wealth for the future. The premium payments are used to build a savings corpus, and to provide life cover
to you and your family. People choose investment plan because it provides an opportunity to grow their wealth to fulfil their future goals. 

Investment Plans provide the opportunity to create short-term and long-term wealth for the future. They help you meet your financial goals like child’s education, buying
a house, car, or even your dream vacation by accumulation of wealth over a period. Investment plans help you save in a systematic manner, protect your loved ones, and
save on taxes.

For example, a guaranteed income plan can help you in building the engines of income for tomorrow with life cover and tax benefits. Another great example of an
investment plan can be a Unit Linked Insurance Plan (ULIP) that combines the benefits of investments and life cover under a single plan. Premiums paid are invested in
market-linked investment instruments, as well as to provide life cover to you. Though ULIPs are moderate-to-high-risk plans, they are mainly chosen for their potential to
generate higher returns.

Investment plans also act as a great means to plan your retirement and to invest in your child’s future.

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Savings Ke Liye Effective Solution!

The affordable way to start growing your wealth, fulfilling your goals and protection needs.

  • All you need to start is Rs. 1000 p.m.

  • Life cover till you’re 100

  • Option to get maturity benefits in just 5 years

  • Tax Benefits³ u/s 80(C) on premiums paid & u/s 10(10D) on maturity benefit

Future Guaranteed¹ Income, now possible!

Makes sure nothing gets in the way of you and your dreams.

  • Guaranteed¹ Income + Protection + Tax Benefits³ in one plan

  • Pick from 4 plan options basis life goals – Lumpsum, Short Term Income, Long Term Income & Retirement Income

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

  • 6 Riders available to enhance your plan⁹

A Gains-Full Zindagi Awaits!

Helps you grow your wealth so you can experience zindagi unlimited

  • Wealth Accumulation + Protection in one plan

  • 100% Return of Mortality Charges which will be added to your fund value

  • Choice to invest in 7 diverse funds

  • Nil Premium Allocations Charge

Detailed Guide on How Investment Plans Work

 

  Guaranteed¹ Return Plans

 
  • You pay a premium towards securing a Guaranteed¹ Income. The premium can be paid as a single, lumpsum pay, for a limited period, or for the entire policy tenure.
  • The premium is used by the insurance company to offer life cover and investment in a no-risk, non-market-linked avenue for guaranteed1 growth of wealth.
  • The life cover continues for the entire policy term. If you face any uneventful situation during this term, the sum assured is the death benefit that the authorised beneficiary from your family will receive.
  • The plans offer tax benefits3 on premiums paid towards this plan are eligible for deductions under section 80(C) and the income under section 10(10D).

 

Unit Linked Insurance Plans

 
  • You pay a premium towards the ULIPs. The premium payment modes could be Single Pay, Limited Pay, or Regular Pay.
  • The insurance company pools money from the policyholders and invests the same in market-linked investment avenues, based on the funds chosen by the policyholder.
  • You get to choose the type of funds you wish to invest in based on your risk appetite. Equity funds are for high-risk investors, debt funds for low-risk and hybrid funds for medium-risk investors.
  • Life cover is available for the entire policy term and is the sum assured that the authorised beneficiary receives on your demise.
  • The insurance company also offers certain fund additions, such as Loyalty Additions, Booster Additions and Maturity Additions throughout the policy term2.
  • The invested money grows, basis market forces and the accumulated amount is paid to you (the policyholder) on maturity.

Detailed Guide on How Investment Plans Work

You pay a premium towards securing a Guaranteed¹ Income. The premium can be paid as a single, lumpsum pay, for a limited period, or for the entire policy tenure.

The premium is used by the insurance company to offer life cover and investment in a no-risk, non-market-linked avenue for guaranteed1 growth of wealth.

The life cover continues for the entire policy term. If you face any uneventful situation during this term, the sum assured is the death benefit that the authorised beneficiary from your family will receive.

The plans offer tax benefits3 on premiums paid towards this plan are eligible for deductions under section 80(C) and the income under section 10(10D).

You pay a premium towards securing a Guaranteed¹ Income. The premium can be paid as a single, lumpsum pay, for a limited period, or for the entire policy tenure.

Unit Linked Insurance Plans

Unit Linked Insurance Plans

You pay a premium towards the ULIPs. The premium payment modes could be Single Pay, Limited Pay, or Regular Pay.

The insurance company pools money from the policyholders and invests the same in market-linked investment avenues, based on the funds chosen by the policyholder.

You get to choose the type of funds you wish to invest in based on your risk appetite. Equity funds are for high-risk investors, debt funds for low-risk and hybrid funds for medium-risk investors.

Life cover is available for the entire policy term and is the sum assured that the authorised beneficiary receives on your demise.

The insurance company also offers certain fund additions, such as Loyalty Additions, Booster Additions and Maturity Additions throughout the policy term2.

The invested money grows, basis market forces and the accumulated amount is paid to you (the policyholder) on maturity.

You pay a premium towards the ULIPs. The premium payment modes could be Single Pay, Limited Pay, or Regular Pay.

Benefits of Investment Plans

 

It is important to have a robust monetary fund to meet emergency or future financial needs. To accumulate this fund, it is essential to save or invest a part of one’s income. With an investment plan, you can get high returns that will help you grow your wealth and fulfil your financial requirements. Additionally, having the benefit of a life cover also makes an investment plan ideal for protecting your family against financial burdens. These are some of the main benefits that an investment plan can offer:

Benefits of Investment plans

05-Second-Income

Saving for Future Goals

When it comes to fulfilling both long term and short-term future goals, such as buying a new car or home, children’s education, retirement planning etc., savings are a must. Without an investment plan in place, it is difficult to balance short term needs and future goals. Investment plans like ULIPs and Guaranteed Income Plans help you save systematically and help you plan for these future goals.

LongTermProtection

Family’s Protection

Investment plans are life insurance plans that offers a life cover to you (the policyholder). In case of an unfortunate death, your dependent family will still be financially secured.

GoodReturns

Good Returns

Investment plans like guaranteed returns plan or ULIPs gives you the advantage of guaranteed returns and/or switching between funds depending upon their performance. Market-Linked plans help you to get maximized return on your investment based on your life goals. Guaranteed Income Plans, on the other hand, offer security of guaranteed returns and life cover.

flexibility

Flexibility

A guaranteed returns plan offers you the flexibility to select a plan option basis your life goals – Lump sum, Short Term Income, Long Term Income & Retirement Income. On the other hand, an investment plan like ULIP lets you choose the premium amount, as per your requirements. They also give you the option of selecting funds from a diverse list of options as per your needs. Many ULIPs also offer the possibility of increasing your premiums during your premium paying term. One can opt for a particular plan based on their financial goals and risk appetite.

money-bag

Liquidity

No matter what your premium paying term or policy term is, after the lock-in period of 5 years with an investment plan such as ULIP, you can fully or partially withdraw funds2 from your account when you need urgent funds.

FlexibleTimePeriod

Systematic Savings

ULIPs and Guaranteed Income Plans give you the benefit of putting aside a chunk of your income and save it for future use in a systematic manner. You can start with as low as Rs 1000 per month.

life-cover (1)

Wealth Accumulation

Investment Plans not only let you save for your future, but also help in growing wealth by allocating it to diverse funds – equity, debt, balanced or GILT.

02-Tax-Benefits

Tax Benefit3 under Section 80C

Premiums paid for Investment Plans help you save taxes up to Rs. 64,116^^ every year u/s 80C. The maturity amount received is also covered under tax benefits3 u/s 10(10D) of the Income Tax Act, 1961.

05-Second-Income

Saving for Future Goals

When it comes to fulfilling both long term and short-term future goals, such as buying a new car or home, children’s education, retirement planning etc., savings are a must. Without an investment plan in place, it is difficult to balance short term needs and future goals. Investment plans like ULIPs and Guaranteed Income Plans help you save systematically and help you plan for these future goals.

Fulfil Life Goals with Investment Plans

 

Whether you wish to send your child abroad for higher education or go on a European holiday in the next 5 years, all your financial goals require you to invest in advance.

Your income is limited, while your needs are many. Apart from your basic and immediate needs, which you may spend a considerable amount of your income on, you have long term needs that need planning in advance.

It is recommended that before using up your income for monthly consumption, you save for future expenditure first. This often poses a problem, as your immediate needs may seem never-ending. That’s why you need to think of wealth building rather than just savings. Investment plans help you utilize your savings and grow them over time for future needs and goals.

Types of Investment Plans

 

Guaranteed¹ Return Plans

As the name suggests, a guaranteed¹ returns plan gives you assured returns on the completion of the maturity period. This assurance and predictability of cash flows make your long-term financial plans easier to manage and execute. You can even opt for monthly investment plans for regular income. You can feel secure to have funds when you need them.

What are the benefits of buying a Guaranteed¹ Returns Plan?

What are the benefits of buying a Guaranteed¹ Returns Plan?

Less Risk

A guaranteed¹ returns plan is a risk-free investment, as the returns received are guaranteed. On survival up to maturity date, you will receive guaranteed income. However, in market-linked plans, income is basis the market performance.

Tax Benefits³

Along with safety and security, choosing a guaranteed1 returns plan also lets you avail tax benefits3. While planning for your taxes, it is advisable to choose instruments that serve two purposes: tax saving up to Rs. 64,116^^ with premiums u/s 80C and returns that do not involve tax3 deductions u/s 10(10D). 

Flexible Premiums

A guaranteed1 returns plan provides the flexibility to choose from four plan options: a. Lump Sum b. Short-Term Income c. Long-Term Income d. Retirement Income, basis your life goals.

Flexible Time Period

In your portfolio, a guaranteed¹ returns plan takes the place that you want it to take. It allows you to choose your own maturity period; you can choose for how long you want to pay the premium and maturity period. You can choose between a long-term or a short-term savings plan. This allows for every individual buy a plan which is most convenient to him and falls within his financial goals.

Less Risk

A guaranteed¹ returns plan is a risk-free investment, as the returns received are guaranteed. On survival up to maturity date, you will receive guaranteed income. However, in market-linked plans, income is basis the market performance.

Unit Linked Insurance Plan (ULIP)

 

Unit Linked Insurance Plan (ULIP) is a life insurance plan with an additional feature of investing your money in the market for future financial goals. It also provides tax benefits3 as the premium paid helps you save taxes up to Rs. 64,116^^ u/s 80C. The amount received on maturity is also covered under tax benefits3 u/s 10(10D) of the Income Tax Act, 1961.

Why Should You Buy a ULIP Plan?

Why Should You Buy a ULIP Plan?

Market-linked returns

ULIPs offer you an opportunity to invest in market-linked investment avenues for wealth accumulation.

Dual benefit of life cover and investments

You enjoy the benefits of growing your wealth through market investments, while assuring a secured financial future for your family with life insurance cover.

Choice between long-term and short-term investment plans

With a lock-in period of just 5 years, ULIPs offer you the ability to opt for a short-term investment plan for short-term financial goals. Or you can choose to stay invested for the long-term by choosing a longer policy tenure.

Liquidity

ULIPs allow for partial withdrawals2 from the fund after the lock-in period, making ULIPs a highly liquid financial instrument.

Suitable for all risk-appetites

ULIPs offer a choice of funds for investment – equity funds for high-risk investors, debt funds for low-risk investors, and hybrid or balanced funds for mid-risk investors. Thus, no matter your risk-taking capabilities, you can choose a ULIP investment that suits your specific needs.

Market-linked returns

ULIPs offer you an opportunity to invest in market-linked investment avenues for wealth accumulation.

Endowment Plans

An endowment plan is a type of life insurance policy, which gives you the dual benefit of a life cover and future savings. It enables systematic savings and over a period that would help you in getting a lump sum amount on surviving the policy term.

An endowment policy most often gives you guaranteed1 returns and hence is good for those who do not wish to take higher investment risks. You will get sum assured on >a fixed date in future as per the policy terms and conditions. However, in case of your (the policyholder’s) sudden death, the insurance company will pay the sum assured (plus the bonus4, if any) to the nominee of the policy. Besides, it is also useful to secure yourself or your family post-retirement or to meet various financial needs such as funding for children's education and/or marriage or buying a house.

Why Should You Buy an Endowment Policy?

Why Should You Buy an Endowment Policy?

Guaranteed Returns

Endowment policies offer low returns available with low risk. It offers the dual benefit of death cover and savings feature. These policies offer upfront guaranteed1 returns, and they are not linked to the market’s performance. The guaranteed1 returns such as guaranteed1 additions remain fixed and are payable on death or maturity (as applicable).

Bonus

The insurance company usually declares bonuses4, depending on how the investments have performed. When an insurance company makes profits from its investments, it distributes a part of funds to you (the policyholder) at the end of each financial year. The profits or surplus of a life insurance company is determined after the valuation of its assets and liabilities. Under an endowment policy, Simple Reversionary Bonus and Terminal Bonus are added to the sum assured and payable on death or maturity under the policy. Simple Reversionary Bonus is declared annually and accrued to be payable on death or maturity claim. Terminal Bonus a type of loyalty bonus and is paid only at the time of maturity of the policy.

Long-term Financial Planning

An endowment policy yields better returns when you maintain it for a long term. When you buy an insurance endowment plan, the benefits are payable, only in case of death or maturity claim. Surrendering the policy is not advisable, as it provides you meagre returns. You are required to choose a policy term that helps you to achieve savings and fulfil your financial objectives.

Premiums Benefits

With endowment policies, you can avail life cover or maturity benefit as the sum assured or guaranteed1 returns, as applicable under the policy chosen. This policy ensures financial cover for your family plus builds a corpus till the maturity of the policy. 

Guaranteed Returns

Endowment policies offer low returns available with low risk. It offers the dual benefit of death cover and savings feature. These policies offer upfront guaranteed1 returns, and they are not linked to the market’s performance. The guaranteed1 returns such as guaranteed1 additions remain fixed and are payable on death or maturity (as applicable).

When Should You Buy Investment Plans?

Though there is no perfect time to invest in an investment plan, it is recommended that you start at an early age. When you begin earning, it is wise to put money in an investment plan. It enables you to save money for your goals over a long period of time and in turn, help you increase your financial corpus.

Below are the following ways in which buying an investment plan early can help you.

 

1. Power of compounding :


“Compound interest is the 8th wonder of the world. He who understands it, earns it; he who doesn’t, pays it.” 

Albert Einstein

What he meant was that if you invest smartly for the long term, you will reap the benefits of compounding. Compounding simply means investing your money in order to grow it further. Your wealth accumulation depends upon how long you stay invested.

 

Here is how you can calculate compounding:

Interest: ₹0

Total plus interest: ₹0

2. Risk Appetite

The younger you are, the fewer responsibilities or liabilities you have. Historically, it has been shown that equities perform better than other assets even though they do come with a fair bit of risk. Investors can switch from one fund option to another as per the market movements and outlook. Most ULIPs let you make unlimited switches\between funds.

3. Patience and Discipline Pays

If you simply save your money in a bank, the tendency to withdraw the money is higher, and this does not lead to any growth. But if you remain patient and invest your money, systematically for a long time, it will give you good returns.

Getting into the habit of saving systematically early on helps in easing the stress of financial liabilities when you become older. Being able to start saving early for your future goals gives a very big financial advantage to young professionals these days.

4. Fight Inflation

A financial instrument like ULIP offers you flexibility to invest in a portfolio of stocks, which minimizes risks. You can also choose the funds you want to invest in as per your risk appetite. Regular investments over a long period enable you to give time to your money in market, helping you build a larger corpus to achieve your life goals and stabilize your funds against market inflation.

Who Should buy Investment Plans?

 

Every individual, young or old, married, or unmarried, must save for a rainy day. Having a corpus to fall back upon assures a stress-free life and helps you plan your finances efficiently. There are multiple investment options in India to choose from. While the choice depends completely on your financial goals, investment plans offer a range that suits everyone.

 

Following people should buy an Investment Plan:

 

  • Those who wish to build a corpus of fund for future use
  • Wish to grow money and secure family’s future
  • To have an assured and regular stream of income to supplement primary income
  • Wish to bring discipline in savings effort
  • To enjoy the dual benefits of protection and wealth accumulation/savings in a single plan

Factors that Affect the Investment Plans Premium

Factors that Affect the Investment Plans Premium

Advantages and Disadvantages of Investment Plans

 

Advantages

  • Assured financial security for the family’s future
  • Growth of money to fulfil long-term financial goals
  • Attractive market-linked returns with ULIPs
  • Guaranteed1 payouts with Savings Plans
  • Enjoy the power of compounding
  • Instil the discipline of regular savings and investment
  • Effective protection against inflation
  • Tax benefits3 in accordance with current regulations
 
 

Disadvantages

  • The premiums for life insurance plans with returns are slightly higher than those for pure term plans. However, the premiums are cost-efficient as you get the benefit of wealth generation along with life cover with these plans.
  • People just starting with life insurance might find savings and investment plans complex to understand. The different plans, the investment components, multiple fund options, varied payouts and bonuses4, etc. can get confusing for a new buyer. However, Edelweiss Life Insurance offers detailed policy information through policy brochures. Additionally, you can get in touch with our customer executives to understand any policy in depth.

Reasons to buy Edelweiss Life Insurance Investment Plans

 

Edelweiss Life Insurance Company Limited was established in 2011 and has, ever since, developed a wide range of insurance solutions for education, impaired health,
wealth accumulation, wealth enhancement, income substitution, and retirement funding.

 

For a joint venture between Edelweiss, a leading Indian financial services company, and Tokio Marine, a Japanese life insurance company, Edelweiss Life Insurance is
the ideal choice for the following reasons:

Three Reason Card Structure

Top Features of Investment Plans

Top Features of Investment Plans

List of Riders Available with Our Investment Plans


The following six riders⁹ are available with Edelweiss Life Investment Plans:

List of Riders Available with Our Investment Plans

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Here's Why Our Customers Adore Us

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Glossary - Important Terms Related to Investment Plans

 
  • Endowment Policy: A type of life insurance investment plans with a pre-determined maturity date. If the life assured dies during the policy tenure, a fixed sum assured is paid to the nominee. However, if the life assured survives the policy tenure, the maturity benefits are paid to them.
  • Money Back Policy: A type of life insurance investment plans where a specific percentage of the sum assured is regularly paid to the life assured, at pre-decided intervals, as survival benefit. The percentage left from the sum assured is paid upon maturity. The amount of survival benefits paid have no bearing on the death benefits that will be paid to the nominee if the life assured passes away.
  • Surrender value: If you decide to surrender the policy before the maturity date, then in ULIPs, they will be paid a surrender value. This is generally the value of the fund minus the surrender charges of the policy.
  • Surrender Charges: These are the charges that you are liable to pay if you surrender the policy before the maturity date.
  • Paid-up value: You can reduce the value of a normal life insurance policy into a reduced paid-up policy as per your insurance company’s guidelines. Edelweiss Life allows you to change your policy to a reduced paid-up one after three years of regular and timely premium payments. If you are unable to pay premiums after that, the policy will not be cancelled. Rather, it will continue with a reduced sum assured, in proportion to the premiums paid, along with applicable changes in other benefits.
  • Paid-up Policy: A life insurance policy that continues to pay out the benefits despite the cancellation of future premium payments. The benefits and coverage of a paid-up policy is in tune with the reduced paid-up value.
  • Partial withdrawals: In ULIPs, you can choose to withdraw a part of your Fund Value. This is called “partial withdrawal” and it can only be availed of after five years from the start of the policy.
  • Unit: A single part or component of any fund in ULIPs.
  • Net Asset Value (NAV): Every fund in a ULIP has a specific value allotted to it, which is the market value of the company fund’s investment minus the value of the liabilities and provisions. NAV is, thus, the value of each unit of a fund in a ULIP.
  • Fund Value: The total value of the units held by you (the policyholder). NAV x Number of Units = Fund Value
  • Redirection of Premium: In a ULIP, you can change the proportion of allocation of future premiums and top-up premiums. This is called redirection of premium, which changes the percentage of premium allocation in a specific units/funds. You simply need to give a written application to your insurance provider before the specified due date. 
  • Settlement Option: You can choose to receive the maturity benefits as a structured payout (monthly or any specified frequency) for a set number of years. This is called the Settlement Option and has to be conveyed to the insurer well in advance.
  • Fund Management Charges: These are the charges levied on you for the day-to-day management of the fund by the insurer. Fund management charges are a proportion of the total fund value and are determined before finalising the NAV.
  • Policy Administration Charges: These charges are deducted by the insurer from you for daily maintenance of the insurance policy.
  • Switching of Funds: Switching of fund involves moving some of the money invested in one fund to one or more other funds based on the unit price of that day. Edelweiss Life offers free unlimited fund switching with its ULIP plans.
  • Top-up: Available with ULIPs, top-up allows you to invest additional money over and above your premium to make the most of a good market condition.

Fire Away Queries Investment Plans

Fire Away Queries

Like teachers say, there are no silly questions

What Affects The Growth Percentage Of My Funds In An Investment Plan?

As the funds in an investment plan like a ULIP are linked with the market fluctuations, their performance is directly affected by the very market. The performance of any ULIP is hence market driven. In case of Guaranteed income plans, a defined/ fixed growth percentage is shared at the time of buying policy. Invariable of the market ups and downs, a guaranteed income plan provides fixed returns.

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Guaranteed plans are safer as they give you guaranteed returns in case you outlive your policy term. In case of ULIP, you can play safe by investing money into diverse funds or by letting the insurance company manage your investments. In either case, in the event of your sad demise before the end of your policy term, your nominee would get the sum assured.
 

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There are various plans wherein tax assets can claim benefits for the amount invested in investment plans, such as ULIP. Under the section 80C and 80D of Indian Income-tax Act 1961, an individual is entitled to a deduction on the investment done or premium payment made under investment plan.

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Investment plans are type of life insurance plans that offer dual benefits of investment returns and life insurance. A part of the premium is kept for providing life insurance and the other part is invested in funds like government bonds, equity funds, debt funds etc. 

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Investment plans are customized investments avenues for an individual with the objective to create a disciplined and periodic investment in various funds and finally achieve their future long-term financial goals along with an element of insurance support.
Here are some of the best investment plans available in Indian market:

• Unit Linked Investment Plans (ULIP)
• Guaranteed Return Plan
• Money Back Plan
• Monthly Income Plan
• Participating Endowment Plan

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There are multiple kinds of funds in an investment plan – equity fund, debt fund, balanced fund and GILT funds. An equity fund gives you high returns but also carries high risk. A debt fund is comparatively stable, is less risky and give you moderate but guaranteed returns. Balanced fund, as the name signifies, is a mixture of equity and debt funds and thus diverges your money in multiple types of instruments, averaging the risk.

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Endowment plans are safer than most investment plans as they give you guaranteed returns in case you outlive your policy term. In the event of your sad demise before the end of your policy term, your nominee would get the sum assured.

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In a ULIP, which is an investment plan, you get a certain amount of returns based on the funds you’ve invested in, after the investment period. But if you pass away before your policy term, your nominee will get the fund value up to that point.

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* 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.

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

2-      For more details please read the sales brochure separately

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

4-      If declared, Cash Bonus is a non-guaranteed bonus which may be payable based on the performance of the participating fund of the Company.

9- Riders are Optional and available at extra cost.

^¹  - Festival Of Insurance Awards 2020 on Sahara Samay Hindi News Channel on 27th December, 2020 - YouTube. For CSR Activity and Digital Sales Channel (Insurance Alerts Excellence Awards 2020)

^²  - https://cloud-user-recordings-ffmpeg-converted-prod.s3-ap-south-1.amazonaws.com/recordings/ccd117b0-be48-11eb-9782-b590083730e8/3b7e25a3-b9b4-47b0-9f68-70eeb8062d60/ccd117b0-be48-11eb-9782-b590083730e8_0001_474830a2.mp4 (Awarded by Quantic Business Media BFSI Excellence Awards 2021)

^³ -  https://thealdenglobal.com/inflection-conference-awards/

^⁴ Claim statistics are for Financial Year 2020-21 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 Insurance Company Limited.

 

IRDAI Reg. No.: 147. CIN: U66010MH2009PLC197336.| ARN:

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 are trademarks of Edelweiss Financial Services Limited; Tokio is Trademark of Tokio Marine Holdings Inc. and used by Edelweiss Life Insurance Co. Ltd. under license.

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.

Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. 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. Please know the associated risks and the applicable charges from your Personal Financial Advisor or the Intermediary or policy document of the Insurer. 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. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.

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