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Insurance Company
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Future Generali India Life Insurance Company Ltd
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Plan Name
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Future Sanjeevani
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Plan Nature
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ULIP
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Plan Category
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Protection Plan
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UIN No.
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133L008V01
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About Plan
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Future Sanjeevani is an ideal all-in-one investment and Insurance package. It provide stable returns by investing in relatively low risk assets. It provides life coverage throughout life giving flexibility in premium paying term. It gives you various choice of investment option at the same time you can also have the flexibility to change fund allocation at any time as per your requirement . You can have guaranteed Loyalty Bonus through Extra Fund Injection.
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Minimum Entry Age
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0 years
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Maximum Entry Age
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65 Years
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Minimum Premium
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Rs 30000
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Maximum Premium
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Rs 45000
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Minimum Premium
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Rs 15000
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Maximum Maturity Age
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65 Years
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Benefits
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| Particulars | Description |
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Maturity Benefits
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On maurity i.e policy anniversary coinciding with or following the completion of 99 years, the Fund Value as on the date of maturity becomes payable and the policy is terminated thereafter.
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Death Benefits
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On the unfortunate death of the life assure, the nominee receives the higher of the following - The Fund Value as on the date of death of the life assured - Sum Assured plus all applicable top up Sum Assured net of all Deductible Partial Withdrawals, (if any)For pupose of determining the Death Benefit, the Deductible Partial Withdrawal(s) mean, any partial withdrawal made in 12 months before the date of death will be deducted from sum assured. Where the life assured has completed 60 years, all the partial withdrawals made in 2 years prior to the completion of 60 years and all partial withdrawal made after completion of age 60 years will be deducted from the sum assured.
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Partial Withdrawal Benefit
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Partial Withdrawal after the completion of 3 full policy year .
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Tax Benefits
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| Section | Description |
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SEC 80 C
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Under Section 80 C premiums up to Rs. 100,000 are allowed as deduction from taxable income.
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SEC 10 (10)D
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Maturity and Death Benefits are tax free under section 10 (10) D of the Income Tax Act, 1961.
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- An ideal All-in-One Investment and Insurance package- Life coverage throughout life giving flexibility in premium paying term of 5,10,15 years or Whole of life- Gives you a choice of 4 investment funds, structured in a way to take care of your financial liabilities and giving the flexibility to change fund allocation at any time as per your requirement- Guaranteed Loyalty Bonus through Extra Fund Injection- Suite of 4 optional riders to provide you additional benefit (s)- Additional allocation of fund (s) to your kitty through regular Top-Ups, providing you a comprehensive financial solution- Partial Withdrawal after the completion of 3 full policy year- Tax benefits on premiums paid and the benefits received, as per the prevailing Income Tax Rules
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Accidental Death RiderCritical Illness (Core) RiderLife Guardian Rider
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Anytime during the tenure of the plan you can enhance your investment by way of top-up whereby you can add over and above to your regular or single contribution. The minimum top-up premium amount is Rs.5, 000/-. There is no limitation on number of top-ups made in a single policy year. Every top-up made during the tenure of the policy has a lock-in period of 3 years.Additional top-up single premiums can be paid over the policy term while the policy is in force.
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If the total top-up premium is more than 25% of the total basic premium paid till date, then such top-up premium will be accepted with an additional Sum Assured or Top-up Sum Assured to the extent of 110% of the top-up single premium and will be subject to the underwriting norms of the company
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Switch your existing fund allocation from riskier to safer funds & vice versa and thus actively manage your own investment. 4 switches are free in a policy year, thereafter Rs.100/- is charged per switch. Minimum Switch amount is Rs. 10,000.
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Available from 2nd policy year onwards for all future regular and top-up (if any) premium(s), without any charges and is limited to twice in a policy year.
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At any time during the plan you have an option to increase your initial sum assured within the allowable maximum limit. Increase in the sum assured is subject to the underwriting norms of the Company.
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Policy will acquire surrender value only after the payment of one full yearÆs premium and will be payable only after the completion of 3 policy years. The surrender value will be the Fund Value less the surrender charges, as applicable.
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Partial Withdrawal is allowed after the completion of 3rd policy year or 18 years of age of the life assured, whichever is later.
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Balance Fund
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Income Fund
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Maximize Fund
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Secure Fund
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Particulars
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Range
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Balance Fund
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Fixed Interest including cash and Money Market Instruments
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10% - 70%
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Equity Instruments
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30% - 90%
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Income Fund
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Fixed Interest Investments, Cash and Money Market Instruments
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0% - 100%
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Equity Instruments
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0% - 0%
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Maximize Fund
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Fixed Income including Money Market Instruments
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10% - 50%
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Equity Instruments
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50% - 90%
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Secure Fund
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Money Market, Cash and Short Term Debt
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0% - 100%
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Equity Instruments
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0% - 0%
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Balance Fund
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23-May-13
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13.5982
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Income Fund
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23-May-13
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17.3936
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Maximize Fund
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23-May-13
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14.0612
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Secure Fund
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23-May-13
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15.7864
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Balance Fund
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Income Fund
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Maximize Fund
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Secure Fund
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16-Jul-09
10:23
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Future Generali launched Silver, Gold and Platinum plan for motor vehicles
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23-Jun-09
11:01
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Future Generali plans to launch women- related insurance products
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20-Jun-09
14:10
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Selling covers through Future Group's malls : Future Generali Life
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19-Jun-09
11:21
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Future Generali plans to launch 10-12 new products
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17-Jun-09
19:31
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Future Generali Life launched Future Anand
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28-Apr-09
13:40
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General Motors ties up with Future Generali
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23-Apr-09
20:14
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Future Generali launches 'Child benefit plan'
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18-Apr-09
11:31
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Future Generali will launch domestic and student travel insurance
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17-Mar-09
15:30
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Price list of spare parts of 'Nano' concerns : Future Generali
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04-Feb-09
12:41
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Future Generali tied with Manappuram General Finance for Gold Loan Customers
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29-Jan-09
16:51
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Insurers to inform consumer on bouncing of cheque
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14-Jan-09
12:35
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Future Group looking at premium of Rs 1,000 cr
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30-Dec-08
11:20
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Future Generali plans thrust on total insurance solutions
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29-Dec-08
13:10
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300 crore infusion is planned: Future Generali
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12-Dec-08
12:00
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Future Generali to invest Rs 370 cr this fiscal
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08-Oct-08
08:35
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Future Generali unveils 2 pension products
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