You can opt for Jeevan Anurag Policy

Jeevan Anurag Plan is a with profits plan under which benefits are payable at prespecified durations irrespective of whether the Life Assured survives to the end of the policy term or dies during the term of the policy. In addition, the plan provides for an immediate payment of Sum Assured under the Basic Plan on death of the Life Assured during the term of the policy. This plan is therefore suitable to take care of the educational and other needs of children.

Assured Benefits

Provided policy is in full force, an amount equal to 20% of the Sum Assured under the Basic Plan at the start of every year during last 3 policy years before maturity shall be payable. At maturity, 40% of the Sum Assured under the Basic Plan along with Reversionary Bonuses declared from time to time for the full term and the Terminal Bonus, if any, shall be payable.

This amount is payable both in case of life assured surviving to the end of policy term provided policy is kept in force by payment of premiums or dying during the policy term when policy was in force.

For example, if term of the policy is 20 years, 20% of the Sum Assured under the Basic Plan will be payable at the end each of the 17th,18th and 19th policy year and the balance 40% of the Sum Assured under the Basic Plan along with the vested Reversionary Bonus and the Terminal Bonus, if any, at the end of the 20th year.

Participation in profits

The policy shall participate in profits of the "With Profit Assurance Policies" at such rates as may be declared by the Corporation provided the policy is kept in force for full Sum Assured

In case of death of the policyholder when the policy is in full force, the policy shall participate in profits for the balance of the term after payment of death claim of Sum Assured under the Basic Plan.

Terminal Bonuses, if any, may also be declared under the policy depending upon the experience of the Corporation and shall be payable at maturity.

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