AI Plan Summary*
Instant synthesis of official IRDAI public disclosures & underwriting wordings.
Terminal Illness Cover
100% payout up to ₹1 Crore built-in at ₹0 extra cost upon diagnosis of covered terminal condition.
Premium Break Option
Skip paying premiums for up to 1 full year during financial emergencies without policy lapse.
Special Exit Value
Surrender your policy at age 65 and receive 100% of all paid premiums back with zero deductions.
Coverage & Payout Options
Death benefit options, terminal illness 100% payout, and entry terms.
Lump Sum, 10-Yr Regular Monthly Income, or Increasing Monthly Income (10% hike/yr)
100% Sum Assured paid immediately upon medical certification of life expectancy < 6 months at zero extra premium
Option to add +50% cover on marriage and +25% on birth of children without fresh medical underwriting
Tax deduction up to ₹1.5 Lakh/yr under Section 80C + 100% Tax-Free death benefit for nominee under Section 10(10D)
Riders & Add-on Benefits
Critical illness protection, accidental covers, and premium waivers.
Riders available upon consultation with advisor.
Claim Settlement Track Record
Official IRDAI public disclosures on claim settlement metrics.
24,198 Claims.
Express claim payout within 1 business day for eligible policies.
Well above the mandatory IRDAI minimum threshold of 1.50.
Exclusions
Standard non-payable clauses per IRDAI term regulations.
Summary
Licensed IMF AdvisoryHAMCHAAR IMF LLP · IRDAI License IMF09380620250815 · Zero fees charged for consultation