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Fulfillment Of Your Goals, Guaranteed.¹

With Edelweiss Life POS Saral Nivesh, get dual benefits of
protection and savings that ensures that you lead a secured and
peaceful life with complete certainty!

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Take a step ahead to grow your savings

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POS Saral Nivesh brouchure

A Multiple of single/annualized premium as life cover at all time during policy tenure
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Reasons Why This Plan Is A Guaranteed¹ Success

Reasons Why This Plan Is A Guaranteed¹ Success

Benefits of POS Saral Nivesh

Benefits of POS Saral Nivesh

No surprises here! With Edelweiss Life POS Saral Nivesh, get guaranteed¹ benefits on your investment. The advantage with this plan is that you know exactly how much you’re getting out of it, so you can plan your future goals accordingly


Those who aim higher get better rewards! When you opt for a higher Sum Assured, we reward you with discounts, ranging from 3% to 13%


Don’t spend your retirement paying off premiums! With the Limited Pay Option, you can complete all of your premium payments in 5, 7, 10 or 12 years (depending on your policy term) and enjoy your benefits till the end of the policy term, up to 65 years.  


Let’s make things simple! This plan is designed to help you make an informed decision through an uncomplicated process. This is why you can plan your future needs in just a few steps


Don’t let financial trouble stop you from your goals!We want you to live your zindagi unlimited, even if you need a little support to do it. That is why this plan offers you the choice to avail a loan² for urgent need of cash flow.


No deductions, no worries! That is why the premiums you pay are eligible for deductions under section 80(C) and the returns you get from it are exempt from taxes under section 10(10D)


Only 4 Steps Are Needed For You To Get This Plan!

Only 4 Steps Are Needed For You To Get This Plan!


Start Making Decisions

  • Conduct Need Analysis
  • Choose your Premium Amoun

Choose Your Terms

  • Select your Policy Term
  • Select your Premium Paying Term

Select what is best for you

  • Choose guaranteed maturity benefits
  • Choose a higher sum assured to get a discount⁴

Sit Back and Relax

  • Submit the requested documents
  • Let us verify your details so you can start getting guaranteed¹ benefits!

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More Products You'd Love to Explore

Capital Guarantee¹: Assurance Amidst Market Fluctuations

Market-linked returns, with an additional benefit of guaranteed¹ return of your total invested premium at maturity

  • Benefits of market-linked returns and guaranteed¹ lumpsum in one plan

  • Enhanced cover option with sum assured & booster additions

  • Little Star Benefit option to protect your child’s future

  • Tax benefits³ u/s 80c & 10(10d) to shield your savings

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

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

Need expert advice


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Reasons Why You’re Bound to Love Us Back

Reasons Why You’re Bound to Love Us Back

Here's Why Our Customers Adore Us

Here's Why Our Customers Adore Us

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Our customers say
based on 600 reviews

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FAQs Saral Nivesh


Like teachers say, there are no silly questions

Why do I need a savings plan?

In today’s uncertain world, it is important to save for the rainy days. You need to arrange for stable funds to fulfill your ambitions and to support you in your later years. A savings insurance plan ensures that your family’s future is secured, even in uncertain times.

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This plan offers you dual benefits of protection and savings and ensures that you lead a secured and peaceful life with complete certainty. It helps you move systematically towards a secured future by offering you guaranteed benefits. It ensures your family is always financially protected in case of any unforeseen event.

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Whether it is taking care of your family’s future, saving for retirement or any other important milestone, Edelweiss Life POS Saral Nivesh will take care of all your financial goals with guaranteed returns. 

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Yes, this plan covers death due to COVID-19.

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A limited pay plan lets you pay your premiums in a shorter span, while you are still earning. This means that you don’t have the burden of premium payment in your later years and can enjoy a liability-free retired life. 

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 The minimum entry age is 1 year, and maximum entry age is 50 years.

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The minimum maturity age is 18 years and maximum maturity age is 65 years.

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The minimum policy term is 10 years and the maximum policy term is 20 years.

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You can pay your premiums for 5, 7, 10 or 12 years. You can choose the payment frequency as either annual or monthly.

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The minimum sum assured is ₹50,000 and the maximum sum assured is ₹25 lakhs.

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If you choose a higher Sum Assured on Maturity, we will offer you a discount on your premium amount.

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Yes, you can get a policy loan once policy acquires surrender value.

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Yes, this plan does come with a maturity benefit. At the end of your policy term, you will receive the Guaranteed Maturity Benefit provided all due premiums have been paid in full and the policy is in-force. Your Guaranteed Maturity Benefit is equal to the Sum Assured on Maturity.

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Yes, there is a free look period of 15 days from the date of the receipt of the policy document. Policies sold through Distance Marketing will have a free look period for 30 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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Grace period of 15 days, where you pay the Premium on a monthly basis, and 30 days in all other cases, is available.

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Dhan Labh any queries


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0- Provided the premium paying term is more than or equal to 10 years.

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

2- Policy loan are subject to terms & conditions of the product. Refer product brochure for more details.

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

4- Subject to Term & Conditions. Please refer product brochure for more details

Edelweiss Life - POS SARAL NIVESH  is only the name of the Individual, Non-Linked, Non-Participating, Savings, Life Insurance Product and does not in any way indicate the quality of the plan, its future prospects, or returns. Please know the associated risks and the applicable charges from your Personal Financial Advisor or the Intermediary. Tax benefits are subject to changes in the tax laws.
For more details on risk factors and terms and conditions, please read sales brochure carefully before concluding a sale.

Edelweiss 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: 147N038V04 | ARN: WP/3439/Oct/2023
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 |



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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