• On maturity - Fund Value
  This amount can be used in the following manner
  - Up to 1/3rd of the maturity amount can be commuted and received as
  lump sum at the time of maturity of the policy.
  - Balance amount has to be used to buy an immediate annuity(pension) from any life insurance company at the annuity rates prevailing at that time.
  
• On Unfortunate Death
  Death Benefit payable immediately on death of the policyholder
  If all due premiums are paid i.e. policy is in-force.
  Maximum of sum assured or the policy fund value on the date of receipt of intimation of death in writing in the office of Sahara India Life Insurance Co. Ltd;
  
  
  If all due premiums are not paid but the period from the date of first unpaid premium to the date of death is less than two years ( revival period):
  
  (a) If at least 3 years premiums have been paid-
  Maximum of sum assured or the policy fund value on the date of receipt of intimation of death in writing in the office of Sahara India Life Insurance Co. Ltd;
  
  (b) If premium for less than 3 years have been paid - Fund Value
  
  
  If premium for less than 3 years have been paid - Fund Value
  iii) If all due premiums are not paid and the period elapsed from the date of first unpaid premium to the date of death is more than two years and policyholder had opted for continuation of the risk (If the policyholder had not opted for continuation of the risk, the surrender value, as per rules was payable):
  
  Maximum of sum assured or the policy fund value on the date of receipt of intimation of death in writing in the office of Sahara India Life Insurance Co. Ltd;
  
  If the nominee is the spouse and is less than 40 years nearer birthday on the date of death of life assured, the death benefit in lump sum will be payable. If nominee is spouse and age is 40 years nearer birthday or more on the date of death of life assured, the nominee will have an option to avail the death benefit in a lump sum or purchase immediate annuity from Sahara India Life Insurance Co. Ltd. or any other insurer in which case 1/3rd of the death benefit may be commuted if so desired. If nominee is other than the spouse the death benefit will be payable in lump sum to the nominee.

Partial Withdrawal - Partial Withdrawal is not allowed

Loan - Loan is not allowed under the plan.

Fund Value:
If the nominee is the spouse and is less than 40 years nearer birthday on the date of death of life assured, the death benefit in lump sum will be payable. If nominee is spouse and age is 40 years nearer birthday or more on the date of death of life assured, the nominee will have an option to avail the death benefit in a lump sum or purchase immediate annuity from Sahara India Life Insurance Co. Ltd. or any other insurer in which case 1/3rd of the death benefit may be commuted if so desired. If nominee is other than the spouse the death benefit will be payable in lump sum to the nominee.


Rider available under the plan

• Accident Benefit & Accidental Total & Permanent Disability Benefit Rider
  The details are available in the sales literature of the rider available for unit linked product.