LIFE INSURANCE

Regulatory Compliance:

Pooja Enterprises adheres to IRDA requirements by providing official illustrations, which are based on rates set by the Life Insurance Council and may not reflect actual returns.

Product Overview:

Plan Type: A with-profits plan featuring a 20-year term and a 15-year premium payment period.

Coverage Increase: Insurance coverage grows every five years for added protection.

Survival Benefits: A percentage of the Sum Assured is paid at specific intervals.

Flexible Premium Payment Options:

Choose from yearly, half-yearly, quarterly, monthly, or salary deductions.

Bonuses and Profit Participation:

Participates in business profits with reversionary bonuses added annually.

A final bonus may be given after a specified period.

Death and Maturity Benefits:

Death Benefit: A lump sum of the Sum Assured, additional coverage, and bonuses is paid upon death; survival benefits are not deducted.

Maturity Benefit: All declared bonuses are paid in a lump sum at the end of the policy term.

Supplementary Benefits:

Optional extra protection can be added for an additional premium.

Surrender Value:

Available after 3 years; typically 30% of basic premiums paid, excluding the first year.

Special Surrender Value may exceed the guaranteed amount and is periodically reviewed.

Important Note:

This summary highlights key features for illustrative purposes. Please refer to your policy document for complete details.

Benefit Illustration & Statutory Warning:

Guaranteed vs. Variable Benefits:

Guaranteed benefits are marked in the illustration.

Variable benefits depend on future performance and are not guaranteed.