• Pay regular premiums or one time lump sum premium
• At inception, choose to systematically increase your premiums by 5 % or 8% each year with the Accumulator Option
• Increase / decrease premiums any time after the 2nd year
• Enhance your retirement wealth by paying unlimited top-up premiums after first year
• Flexibility to change your retirement age any time
• Get liquidity through partial withdrawals after the completion of 5 years
• 12 free switches every policy year and 6 investment fund options
• Special additions added to the fund at the end of 10th year and every 5 years thereafter

On maturity

• You can take up to 1/3rd of your Policy Fund Value as a tax-free lump sum amount (as per prevailing tax laws), while the balance amount must be used to purchase an annuity, which will provide regular income to you at your desired mode of frequency; or
• You have the option to purchase an annuity product with the entire policy fund value

You have the option to invest across any of our 6 investment fund options, ranging from high end equity to short term debt to match all your requirements

You receive tax benefits under Section 80 CCC
Also one third of the maturity \ vesting benefit can be commuted tax-free under Section 10 (10A)