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Ultimately, It’s All About Growing Your Wealth

Things just fall into place when you work through them systematically.
That is why we’ve got Edelweiss Life Wealth
Ultima; the plan that shows you a great way to grow your wealth
and help you achieve your future goals.

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Take a step ahead to secure your goals

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wealth ultima policy brochure

A Multiple of single/annualized premium as life cover at all time during policy tenure
Product Brochure
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Sample Contract
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Rate Table
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Mortality Charges
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Wealth Ultima Why Edelweiss Tokio Life Wealth Ultima Works Well For You

Why Edelweiss Life Wealth Ultima Works Well For You

Wealth Ultima Benefits Of Wealth Ultima

Benefits Of Wealth Ultima


Paying a big amount, in one go can be a hassle! That is why we give you the chance to opt for the Systematic Monthly Plan. With this feature, you can pay your premiums on a monthly basis and get safeguarded from erratic market fluctuations through a smaller premium amount.


Your choice or ours? You can opt for the Self-managed Investment Strategy, through which you get unlimited switches between funds. Alternatively, we offer the Systematic Transfer Plan (STP) that comes with two options - With the Life Stage and Duration based STP, we manage your funds according to your life stage, and Profit Target based STP protects your profits by shifting it to a bond fund.


Make Retirement Easy! From the 10th year, you can choose to receive your payout in the form of regular installments. These installments will be a pre-decided percentage of your fund value and you can decide when and how you want to receive it. With this, you can plan your source of income for a relaxed retired life.


A little extra to show that we care! We reward those who stay with us for a long time by routinely making additions to their funds over the years. Guaranteed Additions and Loyalty Additions are added annually starting from your 6th policy year and Booster Additions are added every 5 years starting from the 10th year of your policy.


No deductions, no worries! You get tax benefits on premiums paid under section 80 (C) and on the maturity benefit under section 10 (10D).


Wealth Ultima All You Need are 4 Steps!

All You Need are 4 Steps!


Start the Plan

  • Choose your premium
  • Choose your policy term
  • Choose your premium paying term

Make Your Choices

  • Customize your plan by adding optional benefits
  • These include Little Champ Benefit, Systematic Withdrawal Plan and others

Time to Invest

  • Choose between Self-managed Strategy and Systematic Transfer Plan

Sit Back and Relax

  • Submit the requested documents
  • Let us verify your details and give you the go-ahead!


Plan Your Financial Growth With Wealth Rise+

Rahul invested

every year for


By the end of 15 years , Rahul receives a fund value of


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This is a sample Illustration. Some benefits are guaranteed, and some benefits are variable with returns based on the future performance of the your Insurer carrying on life Insurance business. If your policy offers guaranteed benefits, then these will be clearly marked “guaranteed” in the illustration table on this page. If your policy offers variable benefits then the illustrations on this page will show two different rates of assumed future investment returns. These assumed rates of return are not guaranteed, and they are not the upper or lower limits of what you might get back, as the value of your policy is dependent on a number of factors including future investment performance.

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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

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

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

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Reasons Why You’re Bound To Love Us Back

Reasons Why You’re Bound To Love Us Back

Wealth Ultima 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
based on 600 reviews

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Wealth Ultima FAQs

Fire Away Queries

Like teachers say, there are no silly questions

Why do I need a wealth accumulation / savings plan?

You may want an early retirement which can be enjoyed in style or it could be international education for your child. However, it is also important that we take necessary steps to take care of our family in all certain and uncertain events. Thus, it would be ideal to invest in a plan which takes care of financial security of your family and also helps you accumulate wealth.

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Edelweiss Life - Wealth Ultima is a unit-linked life insurance plan designed for your future, to help you live an unburdened life. It is meant to help you build your wealth by having an option to pay systematically through monthly or other modes, growing your funds through different investment types and giving you the option to make regular withdrawals. We have created this to be a systematic, well-thought-out plan that enables you to create long term wealth and protect yourself against the uncertainties of life

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Edelweiss Life - Wealth Ultima will help you fulfil your financial goals of life, like securing your child's future financial needs or enjoying a stress-free retirement. It can ensure a continuity of planned benefits for your child even in your absence.

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

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Systematic Transfer Plan or STP is a type of investment offered under this plan. It comprises of the Life Stage and Duration investment type and the Profit Targeted Based investment type. The first type shifts your funds according to key life stages and the latter type shifts the percentage of your profit to a bond fund when the fund value reaches your desired profit target.

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Systematic Withdrawal Plan acts as a source of second income, especially post retirement. With this, you receive a pre-decided percentage of your fund value at regular intervals. You can make these withdrawals on a monthly, quarterly, half yearly and annual basis

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Little Champ Benefit is a optional benefit offered with this plan. On the event of death of the Policyholder, the policy shall continue, and the child will receive the policy benefits as per the original plan.

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For the Life Cover Variant, you can pay your premiums in 3 ways - Single Pay, Limited Pay and Regular Pay. With the Single Pay option, you make your entire premium payment at once. You can cover your premium payment process within 5, 10, 15, 20 or 25 years through the Limited Pay option and space it out on a monthly, quarterly, half yearly or annual basis via the Regular Pay. 

If you opt for the Life and Basic Health Cover & Life and Comprehensive Cover Variant you can choose to pay regular installments via the Regular Pay option.

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You have the option to pay your premium in one go via the Single Pay option. If that doesn’t suit your needs, you can opt for the Annual premium payment option. 

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The minimum premium amount for this plan is Rs. 3,000 per year.

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The minimum maturity age is 18 years and the maximum maturity age is 100 years.

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This policy can last from 10 years to ‘till age 100’.

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This plan has 2 options. Option 1 is the type of policies wherein you will be 70 years or less by the time this policy matures. Option 2 is the type of policies wherein you will be 100 years when this policy matures.

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Additions are the little boosts of money we add to your fund value. These include Guaranteed Additions, Loyalty Additions and Booster Additions. These help in increasing your returns.

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You have an option to change (increase or decrease) the premium paying term as long as the following conditions are met:

a. The payment term you want is allowed under the plan;

b. All other conditions in the plan are being met;

c. Provided all the due premiums till the date of your request have been paid.

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The Policyholder benefits by staying for a longer time in the plan, as the Reduction in Yield (RIY) percentage reduces with a higher policy term.

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You can choose to surrender the policy at any time during the policy term. Charges will be applicable. Please refer to the brochure for more details.

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Premium Allocation Charges and Policy Administration Charges are applicable, which become nil after the 6th policy year.

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In case of death due to suicide within 12 months from the Policy Commencement Date or from the date of Revival, the nominee or beneficiary shall be entitled to the Fund Value.

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The Policyholder has a 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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Grace Period of 30 days is available for annual, semi-annual and quarterly premium payment modes and 15 days for monthly premium payment mode

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We are always there for you !

For queries, write to

Contact us on 022 6611 6047

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

1- 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.

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. Edelweiss Life Insurance is only the name of the Insurance Company and Edelweiss Life – Wealth Ultima is only the name of a Unit Linked, Non-participating, Individual, Life Insurance Product and does not in any way indicate the quality of the contract, its future prospects, or returns. 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. Tax benefits are subject to changes in the tax laws.  For more details on risk factors, 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 Regn. No.: 147. CIN: U66010MH2009PLC197336 UIN: 147L037V03 | ARN: WP/3430/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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