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  • Future Generali Jan Suraksha Plus Plan

    Future Generali Life Insurance

    Future Generali Jan Suraksha Plus is a life insurance from Future Generali that is featured under the company’s ‘Rural Plans’. As a policyholder, one need only to pay a small one time premium to get a life insurance cover with an assured maturity amount. This will be more than the premium paid by you. Flexibility is a main priority for Future Generali, thus the plan comes with varied options and guaranteed benefits.


    Eligibility Conditions for Future Generali Jan Suraksha Plus:

    Entry Age (this is the policy holder’s age as on last birthday) 18 to 50 years
    Premium Payment Term and Mode Single Premium
    Policy Term You are covered under this policy for 8 years

    Key Features of Future Generali Jan Suraksha Plus:

    Listed below the key features of Future Generali Jan Suraksha Plus:

    Plan type Non-Linked, Non-Participating, Traditional Insurance Plan
    Plan basis Individual
    Premium Options Rs. 2500/ Rs. 3000/ Rs. 4000/ Rs. 5000
    Death Benefit Death Benefit will be 5 times the Single Premium (excluding taxes and extra premiums, if any) paid by you.
    Premium Payment Term and Mode Single Premium
    Maturity Benefit Depends on the Singe Premium Option you have selected and your age at entry. Given in detail in the table below.
    Free look Period 15 days (30 days, if the policy is sold through Distance Marketing mode)

    Benefits of Future Generali Jan Suraksha Plus:

    • Maturity Benefits:
    • Single Premium Option Selected(exclusive of taxes) Rs. 2, 500 Rs. 3, 000 Rs. 4, 000 Rs. 5, 000
      Age at Entry Maturity Sum Assured
      18-25 Yrs Rs. 3,250 Rs. 3,975 Rs. 5,500 Rs. 7,125
      26-30 Yrs Rs. 3,200 Rs. 3,900 Rs. 5,400 Rs. 7,000
      31-35 Yrs Rs. 3,125 Rs. 3,825 Rs. 5,300 Rs. 6,875
      36-40 Yrs Rs. 3,000 Rs. 3,675 Rs. 5,100 Rs. 6.625
      41-45 Yrs. Rs. 2,875 Rs. 3,525 Rs. 4,900 Rs. 6,375
      46-50 Yrs. Rs. 2,550 Rs. 3,150 Rs. 4,400 Rs. 5,750
    • Death Benefit will be 5 times the Single Premium (excluding taxes and extra premiums, if any) paid by you.
    • Surrender benefit: When the policy holder surrenders the policy, the higher of the Guaranteed Surrender Value and Special Surrender Value will be paid.
    • Special Surrender Value: Special Surrender Value will be based on the company’s expectation of demographic conditions and future financial. This may be reviewed by the company from time to time with prior approval from IRDAI. Surrender value will not be payable if the amount of surrender value is less than Rs. 100/-.
    • Guaranteed Surrender Value:
    • Policy Year of Surrender Guaranteed Surrender Value
      1 to 3 70% of Single Premium (excluding taxes and extra premiums, if any)
      4 to 8 90% of Single Premium (excluding taxes and extra premiums, if any)
    • Tax Benefits: Premium(s) paid are eligible for tax benefit as may be available under the provisions of Section(s) 80C, 80CCC (1), 80D, 10.10D as applicable.

    How the Future Generali Jan Suraksha Plus Works?

    • This Future Generali rural plan provides a life cover at a very affordable cost and also guaranteed returns at maturity. Simply choose the amount of single premium you wish to pay and pay the premium to activate the policy. Here are the steps you must follow to get a policy of your own:
    • Visit any of the Future Generali branches, call the toll free number 1800-102-2355 or email the company at [email protected]
    • The proposal form must be filled up with all your details along with your Advisor. All the terms and conditions must be read and understood.
    • A medical examination will be conducted for which the costs will be borne by the company.

    Riders:

    No riders are available under this product

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