1) Duration of the plan is for entire life or till 100 years of age.

2) Premiums cease at death or on expiry of the premium paying term whichever is earlier.

3) This plan can be availed for terms 15, 20 and 25 years.

4) The plan is a Non Participating one and hence all Premium rates, Sum Assured, Surrender Values and Paid up Values are guaranteed upfront.

5) If premiums have been paid for at least 3 years then the Policy acquires a Guaranteed Surrender Value, which can be surrendered for cash for its full Guaranteed Surrender Value.

6) Loan can be availed under the policy provided the policy is kept in force for 3 years (90% of the guaranteed surrender value can be taken as loan on approval).

7) The policyholder has the option of converting the policy into a paid-up policy whereby the policy can be kept in force by reducing the face amount in accordance with the premiums paid.

8) Maximum age at entry is 70 for PPT of 15 years, 65 for PPT of 20 years, 60 for PPT of 25 years.

9) On Payment of additional premiums any one or more of the following riders can be added to this policy - Accidental Death Benefit Rider, Term Rider, Waiver of Premium Rider, Critical Illness Rider.