Unit Gain Plus Gold

• Premium - Minimum 15000/-
  
• Age Limit - 0 to 60 Year (for 18-50 in case of additional rider benefits)
  
• Policy Term - Minimum 10 years, Maximum Terms=70 years - Age at Entry
  
• Maturity Age Limit - 18 Years to 70 Years
  
• Sum Assured - 0.5 X Policy Terms X Annualised premium

  Riders:-
  

• UL Accidental death benefit
• UL Accidental Parmanent Total/ Partial Disablity benefit
• UL Hospital Cash Benefit
• UL Critical Illness Benifit
• UL Waiver of Premium Benifit
• UL Family Income Benifit
  
  Fund Options
• Assets Allocation Fund
• Bond Fund
• Equity Growth Fund
• Equity Index Fund II
• Accelerator Mid - Cap Fund
• Liquid Fund
  
  Premium Allocation -
  
  

  Annual Premium Size	Policy Year 1	Policy Year 2 to 5	Policy Year 6 years onward
  15,000-99,999	76%	94%	98%
  1,00,000-2,49,999	80%	94%	98%
  2,50,000 and above	85%	94%	98%

  
  

   

Maturity Benifit - Premium Fund value

Death Benefit - If death of the life assured occurs before the maturity date then the death benefit will be :
Sum Assured or Premium Fund value whichever is higher.

Surrender Charges - Nil After 10^th  Policy Years

Partial Withdrawals - Partial withdrawals of units are allowed after three years from the Policy Commencement Date provided :
a). Regular Premium for three full Policy Years has been paid.
b). Minimum remaining balance of Regular Premium Fund Value after the porposed withdrawal shall be 2 times the Annual Premium (across all funds).

Revival - Revival Period offered each 2 years from 1st unpaid premium All due unpaid regular premiums are to be paid to revive the policy.