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Minimum:
Maximum:
15 Years/20 Years
6 Years*
Disclaimer - * Other PT/PPT combinations are also available. Please refer to the sales brochure for more details.
Minimum:
Maximum:
Yearly, Half Yearly, Quarterly, Monthly
| Age at entry | Death Benefit/Sum Assured Multiple | ||
|---|---|---|---|
Minimum | Maximum
| ||
6/15 | 6/20 | ||
18 to 30 | 7 | 50 | 50 |
31 to 40 | 7 | 35 | 35 |
41 to 45 | 7 | 25 | 25 |
46 to 49 | 7 | 25 | 20 |
50 | 5 | ||
51 to 55 | 5 | 20 | 15 |
56 to 60 | 5 | 15 | 7 |
61 to 65 | 5 | 10 | 7 |
How people have benefitted from IndiaFirst Life
Hassle-free Onboarding Process
From the onboarding process to the comprehensive medical tests, IndiaFirst Life ensured a hassle-free journey for me. The features of the plan I purchased are as per my expectations, providing me with peace of mind for future.
Mohit Agarwal
(Mumbai, 21st March 2024)
How people have benefitted from IndiaFirst Life
Pleasant Online Buying Experience
Buying IndiaFirst Life's life-insurance policy was a pleasant experience for me. The hassle-free nature of interaction with the company's representative was a boon and so was the inclusion of must-have features in their policy plans.
Satyam Nagwekar
(Mumbai, 22nd March 2024)
How people have benefitted from IndiaFirst Life
Trusted ally in my financial journey
IndiaFirst Life's Radiant Smart Invest Plan has completely won me over! It's like having a trusted ally in my financial journey. With its flexible fund switch options, I've been able to craft my investments just as I envisioned. In just a year, I've seen a remarkable 20% return on my investments! The support from the onboarding team has been absolutely fantastic, making me feel truly cared for and supported.
Paulomi Banerjee
(Kolkata, 21st March 2024)
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The IndiaFirst Money Balance Plan is a unit-linked life insurance endowment policy that combines the advantages of wealth creation and life cover.
a. Return of Premium Allocation Charge (ROAC) – Premium allocation charges deducted during the policy term, shall be added back to the fund value as per the table given below -
| At the end of Policy year | Return of premium allocation charges |
|---|---|
| 15 | 200% of allocation charge collected till end of 15th year |
| 20 | At end of 15th year - 200% of allocation charge collected till end of 15th year 500% of allocation charge collected till end of 20th year |
b. Return of Mortality Charge (ROMC) – Mortality charge deducted during the policy term shall be added back to the fund value as per the table given below –
| At the end of Policy year | Return of mortality charges |
|---|---|
15 | 100% of mortality charge collected till end of 15th year |
20 | 100% of mortality charge collected till end of 20th year |
The amount of ROMC will be added into the Funds in the same proportion as the value of those Funds as at the date of the ROMC addition. Unit Price/NAV as on the date of ROMC addition will be used for the unitization.
No, Switches and partial withdrawals are not allowed.
Yes, you can return your policy within the Free Look period; in case you disagree with any of the policy terms and conditions and have not made any claims, you shall have the option of returning the policy to us for cancellation stating the reasons for the same within 30 days from the date of receipt of the policy whether received electronically or otherwise.
Yes. We will refund an amount (within 7 days of receipt of such request) equal to the -
Non-allocated premium plus charges levied by cancellation of units plus fund value at the date of cancellation
Less:
Pro-rata mortality charge
Any stamp duty paid
Expenses incurred on medical examination, if any.
This amount is adjusted by the fund performance between the date of receipt of premium and the date of cancellation.
No. None of our funds offer a guaranteed or assured return. The fund names do not indicate the quality of the respective funds, their future prospects or returns, in any manner.
Yes, in case of the Life Assured’s demise during settlement period.
Risk cover shall be maintained at 105% of total premiums paid, accordingly mortality charges will be deducted.
We will pay the higher of fund value as on the date of intimation of death or 105% of total premiums paid, to the Nominee / Appointee / Legal Heir and the policy shall terminate immediately.
Mortality charges and Fund Management charges will be deducted, and no other charges shall be levied during this period.
On complete withdrawal during settlement period life cover ceases immediately.
The past performance of our other funds does not necessarily indicate the future performance of any of these funds.
We will value your units in line with the unit-linked guidelines issued by the IRDAI. As per the prevailing guidelines of the Authority, Unit Price will be calculated as follows:
Market value of the assets, Plus: value of current assets, Less: value of current liabilities and provisions, if any, Divided: by the number of units existing on the valuation date (before creation/redemption of units).
When divided by the total number of units in the fund at the valuation date (before any units are redeemed), we get the unit price of the fund under consideration.
Yes, your policy does carry risks.
IndiaFirst Life Insurance Company Limited is only the name of the insurance company and “IndiaFirst Life Term with Unit-Linked Insurance Plan (TULIP)” is only the name of this unit-linked fund-based insurance policy and does not in any way indicate the quality of this Policy, its future prospects or returns.
Unit-linked insurance products are subject to investment risks which are borne by you.
The premiums paid in the unit-linked insurance policies are subject to investment risks associated with the capital markets and the NAVs of the Units may go up or down based on the performance of the Funds and factors influencing the capital market and the insured is responsible for his/her decision.
Investments in the Funds are subject to market risks and the investment risks in investment portfolio are borne by you.
The Funds or the names of the Funds as shown in this Policy do not in any manner indicate or guarantee the quality of the Funds, future prospects or returns. The past performance of any of our Funds is not indicative of the future performance of any of these Funds.
We do not guarantee the Fund Value or the NAV. Please note that depending on the market risk and the performance of the Funds to which the Units are referenced, the Fund Value or the NAV may fall, rise or remain unchanged. We have not given any assurance that the objectives of any of the Funds will be achieved.
The Funds do not offer a guaranteed or assured return except to the extent as guaranteed or assured by us under this Policy.
You will get the enhanced protection with riders available in the Plan.
a. IndiaFirst Life Accidental Death Benefit Rider
| Events | How and when benefits are payable | Size of such benefits |
|---|---|---|
| Accidental Death | In the event of death of the life assured during the term of the rider due to an accident, the nominee would receive a lump sum benefit equal to rider Sum Insured. This is an additional benefit over the base policy benefit. | 100% of ADB Sum Assured will be paid as lump sum |
“ADB Sum Assured” means an absolute amount of benefit which is guaranteed to become payable. On death of the life assured due to an Accident in accordance with the terms and conditions of the policy.
“Total Premiums Paid” means total of all premiums received, excluding any extra premium and applicable taxes.
“Accident” means sudden, unforeseen, and involuntary event caused by external, visible, and violent means.
“Accidental Death” means death of the life Assured due to an Accident, where such accident happens within the policy term and the policyholder’s coverage is in force at the time of such event.
Accidental death should occur within 180 days of the date of the Accident. If the Accident occurs before the end of Policy Term, but death caused by such Accident occurs after the end of the Policy Term and within 180 days of the Accident, Rider sum assured shall be payable.
IndiaFirst Life Total & Permanent Disability (TPD) Rider
| Events | How and when benefits are payable | Size of such benefits |
|---|---|---|
| Total & permanent Disability due to Sickness or an Accident | Benefit Payable on total and permanent disability due to sickness/accident caused solely by external, violent, unforeseeable, and visible means occurring independently of any other causes should be established between within 180 days of such trauma, proved to the satisfaction of the insurer, subject to conditions for Total and Permanent Disability, being met and acceptance of the claim by us. | 100% of TPD Sum Assured will be paid as lump sum. |
TPD Sum Assured means an absolute amount of benefit which is guaranteed to become payable on Total and Permanent Disability due to sickness or an accident in accordance with the terms and conditions of the policy.
Total Premiums Paid means total of all premiums received, excluding any extra premium and applicable taxes.
Accident is a sudden, unforeseen, and involuntary event caused by external, visible and violent means.
Injury is an accidental physical bodily harm excluding illness or disease solely and directly caused by external, violent, visible, and evident means which is verified and certified by a Medical Practitioner.
Illness is a sickness or a disease or pathological condition leading to the impairment of normal physiological function which manifests itself during the Policy Period and requires medical treatment.
'Total and Permanent Disability' or ‘TPD’ means disablement, of the Person Insured, which meets the criteria of the Indiafirst Life Total and Permanent Disability Rider.
Please refer to the Riders sales brochure for more information on rider benefits.
You have multiple options in the policy to ensure that it is exclusively built around your needs. Apart from different policy terms, premium payment terms, fund options and investment strategies to choose from, you can also use options like Switching, Partial Withdrawals, to ensure that your financial planning is in sync with your financial goals.
A. What is Switching?
You can move from one fund to another by switching your funds any number of times during the policy term. Currently these switches are free of any charge. Policyholder is allowed to switch funds during minority of a life assured.
Are there any limits for switching?
Under switching you may transfer some or all your units from one unit-linked fund to another.
| Minimum switching amount | INR 5,000 |
|---|---|
| Maximum switching amount | Fund Value |
What are the charges for switching between funds?
You are allowed to make unlimited number of switches in a calendar month. These switches are currently free of charge. However, we reserve the right to introduce charges, subject to prior approval from IRDAI. This shall not exceed Rs.500 per transaction.
B. What are partial withdrawals? Are they allowed?
In case of any financial emergencies you can choose to withdraw from your accumulated funds by means of Partial Withdrawal.
Your policy gives you the flexibility to access your money in case of any emergency, by withdrawing partially only after the completion of your fifth policy year.
Are there any limits on partial withdrawals?
| Minimum withdrawal amount | INR 10,000 |
|---|---|
| Limited Premium | Maximum withdrawal amount up to 20% of the fund value at a time of partial withdrawal, only if your fund value after the withdrawal should is at least 110% of one full year premium. |
Example: You can withdraw up to INR 16,000 if you pay an annual premium of INR 15,000 and have accumulated a fund value of INR 80,000 over a few years (20% of the fund value).
The partial withdrawals which may result in termination of a contract shall not be allowed.
C. What is Premium Redirection?
You have the option of redirecting the premium from one Fund to another Fund by giving a written notice to us.
Under premium redirection, you can redirect the future premiums towards a different fund or set of funds. However, under the premium redirection option your past allocation of premium does not change.
Premium redirections are free of charge currently.
D. What are the alterations allowed in the policy?
You are allowed to make the following alterations in your policy –
You have the option to change the premium frequency during the premium paying term without any charges /fees.
You have an option to increase the premium paying term or policy term during the term of the premium paying term or policy term respectively in accordance with the Board approved underwriting policy. Once the premium paying term or policy term is increased, it cannot be subsequently decreased. Policyholder is required to submit the request for increase in premium paying term and/or policy term at least one month prior to the annual policy anniversary.
You have the option to decrease the Sum Assured during the policy term provided all due premiums have been paid. Decrease in Sum Assured will not change the premium payable under the policy. Decrease in Sum Assured is allowed up to the minimum allowed under the policy. Decrease in Sum Assured would be subject to minimum Sum Assured multiple limits.
On maturity you may choose to
Receive the entire fund value as a lump sum payment, or
You may choose to receive this payment in equal units at regular intervals (i.e. monthly/quarterly/half-yearly/yearly as chosen by the policyholder) over a period of 5 years. This period is called the Settlement Period. During this period, only the fund management and mortality charges will be applicable. You can ask for the balance fund value at any time during the settlement period.
You may place your funds in the Liquid1 Fund or any other fund allowed under
this product at the time of exercising the settlement option.
Tax benefits may be available on premiums paid and benefits receivable as per prevailing Income Tax Laws. These are subject to change from time to time as per the Government Tax laws. Please consult your tax consultant before purchasing this policy.
You, the policyholder will receive the Fund Value, at the end of the policy term.
In case of maturity of a reduced paid-up policy, policyholder will receive the Fund value as on the date of maturity.
If the policyholder has done any partial withdrawals during the term of the policy, the said amount shall be reduced by a factor X% subject to maximum of 100%.
Where X is defined as sum total of partial withdrawals expressed as % of fund value prevailing at the time of respective partial withdrawals.
In case of death due to suicide within 12 months from the date of commencement of the policy or from the date of revival of the policy, as applicable, the Nominee/ Appointee/ Legal Heir, as the case may be, shall be entitled to the fund value, as available on the date of intimation of death.
Further any charges other than Fund Management Charges and guaranteed charges recovered subsequent to the date of death shall be added back to the fund value as available on the date of intimation of death.
Our IndiaFirst Life Term with Unit-Linked Insurance Plan (TULIP) is a non-par, unit-linked, individual savings life insurance plan, specially designed to provide high life insurance coverage for those who want term like protection as well as maximize returns on their savings and create additional wealth for a comfortable life ahead. Rider cover adds to the protection.
Your settlement period starts from the maturity date and is applicable up to a period of 5 years, as chosen by you. However, you have to opt for the Settlement Option at least 3 months prior to the date of maturity.
The investment risk & inherent risk will be borne by the policyholder during the settlement period.
We will offer discount on renewal premium amount if you pay the premium at least one month prior to premium due date till 12 months prior to premium due date, provided this period falls within the same financial year as the premium due date. The premium due in one financial year may be collected in advance in earlier financial year for a maximum period of three months in advance of the due date of the premium to be eligible for discount. No discount will be offered if premium is paid within one month prior to premium due date.
The discount rate applicable for the quarter will be calculated using 5-year G-Sec bond yield (rounded to nearest 5 bps) as at beginning of the quarter. Any change of the above basis is subject to IRDAI approval.
Every premium (new business or renewal), is allocated into fund options as selected in the proposal form or through subsequent request or as per the investment strategy opted, after deducting allocation charges, if any.
We provide you a grace period of 30 days for payment of all premiums under quarterly, half yearly and yearly modes and 15 days under monthly mode. This period starts from the due date of each premium payment. Your policy will be considered in-force and all your policy benefits will continue during this grace period.
| Type of Charge | Charge Details | Description |
|---|---|---|
| Fund Management Charge (FMC) | The fund management charge for the various funds offered under this plan is 1.35% per annum. Fund management charges are the same for all funds to encourage policyholders to make fund choices based on their risk appetite and not on the basis of fund management charges. The fund management charge applicable for discontinuance fund is 0.50% p. a. on discontinuance fund value. | We deduct FMC and applicable taxes on a daily basis from the fund value before calculation of the NAV (Net Asset Value). |
| Mortality Charge | The mortality charges are based on the age and sex of the life assured. The mortality charges are guaranteed for the entire duration of the policy. Mortality charges for reduced paid-up policies are levied on the sum at risk which is the paid-up sum assured less partial withdrawal made during two years preceding the death of the life assured, if any less fund value subject to this become positive. Sum at Risk | We deduct this charge and applicable taxes on the first business day of each policy month by way of cancellation of units. |
| Premium Allocation Charge | Year 1 - 9%, Year 2 - 6%, Year 3 to 5 - 3%, Year 6+ - Nil | We deduct the shown percentage from your premium as Premium Allocation Charge and applicable taxes. This is deducted before we make any investments or before we apply any other charge |
| Policy Administration Charge | 2% p.a, inflating @5% p.a (max up to Rs. 6,000) | We deduct a monthly administration charge and applicable taxes on the first business day of each policy month by cancelling units in advance. We do this at the beginning of each monthly anniversary of the policy. |
| Partial Withdrawal Charge | There are no partial withdrawal charges applicable. | |
| Revival Charge | There are no revival charges applicable. | |
| Switching Charge | You are allowed to make unlimited switches in a calendar month. We currently do not levy a switching charge. However we reserve the right to introduce charges, subject to prior approval from IRDAI. |
We will levy the following Discontinuance Charges:
| Where the Policy is discontinued during the Policy year | Charges for the policies having annualized premium up to Rs. 50,000/- | Charges for the policies having annualized premium above Rs. 50,000/- |
|---|---|---|
| 1 | Lower of 20% * (AP or FV) subject to maximum of Rs. 3,000 | Lower of 6% * (AP or FV) subject to maximum of Rs. 6,000 |
| 2 | Lower of 15% * (AP or FV) subject to maximum of Rs. 2,000 | Lower of 4% * (AP or FV) subject to maximum of Rs. 5,000 |
| 3 | Lower of 10% * (AP or FV) subject to maximum of Rs. 1,500 | Lower of 3% * (AP or FV) subject to maximum of Rs. 4,000 |
| 4 | Lower of 5% * (AP or FV) subject to maximum of Rs. 1,000 | Lower of 2% * (AP or FV) subject to maximum of Rs. 2,000 |
| 5 and onwards | Nil | Nil |
All applicable charges are subject to Goods and Services Tax (GST) as per Govt. GST law and as amended from time to time.
a. Discontinuance of the Policy during lock-in period
a) Upon expiry of the grace period, in case of discontinuance of policy due to non-payment of premium, the fund value after deducting the applicable discontinuance charges, shall be credited to the discontinued policy fund and the risk cover and rider cover, if any, shall cease.
b) On such discontinuance, we will communicate the status of the policy, within three months of the first unpaid premium, to the policyholder and provide the option to revive the Policy within the Revival Period of three years
Revival of the Discontinued Policy during lock-in period -
a) Where the policyholder revives the policy, the policy shall be revived restoring the risk cover, along with the investments made in the segregated funds as chosen by the policyholder, out of the discontinued fund, less the applicable charges in accordance with the terms and conditions of the policy.
b) At the time of revival:
1. all due and unpaid premiums will be collected without charging any interest or fee.
2. premium allocation charge will be levied as applicable during the discontinuance period. No other charges shall be levied. The riders may also be revived at the option of the policyholder.
3. the discontinuance charges deducted at the time of discontinuance of the policy will be added back to the fund.
b) Discontinuance of the Policy after the Lock-in-period
1. Upon expiry of the grace period, in case of discontinuance of policy due to non-payment of premium after lock-in period, the policy shall be converted into a reduced paid up policy with the paid-up sum assured i.e. original sum assured multiplied by the total number of premiums paid to the original number of premiums payable as per the terms and conditions of the policy. The policy shall continue to be in reduced paid-up status without rider cover, if any. All charges as per terms and conditions of the policy may be deducted during the revival period. However, the mortality charges shall be deducted based on the reduced paid up sum assured only
2. On such discontinuance, the status of the policy will be communicated, within three months of the first unpaid premium, to the policyholder and provide the following options:
(1) To revive the policy within the revival period of three years, or
(2) Complete withdrawal of the policy.
3. In case the policyholder opts to revive the policy but does not revive the policy during the revival period, the fund value shall be paid to the policyholder at the end of the revival period.
4. In case the policyholder does not exercise any option as set out above, the policy shall continue to be in reduced paid up status. At the end of the revival period the proceeds of the policy fund shall be paid to the policyholder and the policy shall terminate.
5. However, the policyholder has an option to surrender the policy anytime and proceeds of the policy fund shall be payable.
Revival of the Discontinued Policy after lock-in period
a) Where the policyholder revives the policy, the policy shall be revived restoring the original risk cover in accordance with the terms and conditions of the policy.
b) At the time of revival:
1. all due and unpaid premiums under base policy will be collected without charging any interest or fee.
2. premium allocation charge will be levied as applicable. The riders may also be revived at the option of the policyholder.
3. No other charges shall be levied.
In case of reduced paid up policy, the charges will be added back to the fund value as per the following calculation -
For Policy Term - 15 Years
[100% of mortality charges collected during the policy term + 200% of premium allocation charges collected during the policy term] * (Total numbers of premiums paid)/(Total Number of premiums payable over the policy term)
For Policy Term – 20 years
[100% of mortality charges collected during the policy term + 500% of premium allocation charges collected during the policy term] * (Total numbers of premiums paid)/(Total Number of premiums payable over the policy term)
The allotment of units to you, the policyholder will be done only after we receive the premium amount.
New Business: We will allocate new units on Business the day we receive premiums if we receive these before 3:00 p.m. They are allocated the next day if we receive them after 3:00 p.m.
Renewal Premiums: We will allocate the premium on the Premiums due date, whether or not it has been received before due date. (This assumes that the full premium is received on the due date). We will keep the renewal premiums received before the due date in the deposit account. It will not earn any returns until the renewal premium due date. On the due date, we will use the same for unit funds.
How do we value your units at the time of renewals and redemptions of your premiums? We will value your units in line with the unit-linked guidelines issued by the IRDAI.
For renewal premiums / funds switch/ maturity / surrender received till 3:00 p.m.: We will apply the closing unit price of the day on which your renewal premium/ funds switch/ maturity/ surrender is received. This can happen only if we receive it by 3.00 p.m. along with a local cheque or a demand draft payable at par at the place where the premium is received.
For renewal premiums / funds switch/ maturity / surrender received after 3:00 p.m.: We will apply the closing unit price of the next business day if we receive your renewal premiums/ funds switch/ maturity/ surrender after 3.00 p.m. This has to be accompanied with a local cheque or a demand draft payable at par at the place where the premium is received.
For outstation cheques/ demand drafts: We will apply the closing unit price of the day on which cheques/ demand draft is realized if the cheque you issue for premium renewal is an outstation cheque/demand draft.
In the untimely event of the life assured’s demise while the policy is in force or from the due date of first unpaid premium till the expiry of the grace period, the Nominee(s)/Appointee/Legal Heir, as the case may be, will receive the death benefit under the policy equal to higher of fund value as on date of death or sum assured less partial withdrawals made during two years preceding the death of the life assured , as on the date of receiving intimation of death;.
The lump sum amount payable at the time of death will be payable either -
As a lump sum payout; or
In monthly installments
The instalment benefit amount will be calculated as dividing lump sum amount (say, S) by annuity factor (i.e. a(n)(12)) i.e. S/a(n)(12) where n is the instalment period of 5 years. The interest rate used to determine annuity factor is {5-year G-Sec rate less 2.00%, rounded down to the nearest 25 bps}, where the 5-year G-Sec is at the beginning of the financial year. The applicable interest rate for FY 24-25 is 5% p.a. (i.e. ~6.90% (5-year G-Sec rate) less 2.00%). The annuity factor defined above will not be changed once the instalment payment starts.
If this option is opted for, the Nominee(s) / Appointee/ Legal Heir(s), as the case may be, can ask to withdraw the balance death benefit at any time during the settlement period. No Partial Withdrawals of Funds will be allowed during this period.
The amount will be paid out to the appointee if the nominee is a minor. However, at any point of time, the death benefit will not be less than 105% of the total premiums paid during the policy term less partial withdrawal, if any, made during two-year period immediately preceding the date of death of the life assured.
In case of reduced paid-up policies, on death of the life assured, an amount equal to the higher of the reduced paid-up sum assured or fund value as on the date of receiving intimation of death will be payable to the Nominee/ Appointee/ Legal Heir, as per the payout option selected by the policyholder at the inception of the policy and the policy will terminate.
Reduced Paid-up Sum Assured is defined as Sum Assured * (Total numbers of premiums paid)/(Total Number of premiums payable over the policy term)
The Sum Assured/ paid up sum assured will be reduced by the amount of partial withdrawals made during the 2 years immediately preceding the date of death of the life assured as on the date of receiving intimation of death or the Fund Value.
A lump sum amount equal to higher of the paid-up sum assured or fund value (as on date of receiving intimation of death) will be payable to the Nominee(s)/ Appointee/ Legal Heir, while the policy is in reduced paid-up status.
Mortality charges for reduced paid-up policies are levied on the sum at risk which is the reduced paid-up sum assured less partial withdrawal made during two years preceding the death of the life assured, if any, less fund value subject to this become positive.
Reduced Paid-up Sum Assured is defined as Sum Assured * (Total numbers of premiums paid)/(Total Number of premiums payable over the policy term)
All the charges other than FMC recovered subsequent to the date of death shall be added back to the fund value as available on the date of intimation of death.
In case of life assured’s untimely demise, the Nominee(s)/ Appointee/ Legal Heir will receive the death benefit, where the sum assured will be reduced by an amount equal to the partial withdrawals made from fund value, during the 2 years immediately preceding the date of death of the life assured.
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IRDAI Information
IRDAI Regd. No. 143 | CIN: U66010MH2008PLC183679Trade logo displayed above belongs to one of our promoters and shareholders, Bank of Baroda and are used by IndiaFirst Life Insurance Company Limited under License.
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