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Product Information
Wealth Plans Future Generali Dhan Vridhi
In this policy, the investment risk in investment portfolio is borne by the policyholder.


  • Maturity Benefits:
  • The Fund Value (market value of the investment) as on the date of maturity is paid.
  • Death Benefits:
  • In case of an unfortunate demise of the Life Assured during the Policy Term while the policy is in force, the nominee receives the higher of:
    Sum Assured less Deductible Partial Withdrawal*, if any, or Fund Value, or 105% of basic premiums paid till date of death.
  • *Deductible Partial Withdrawals are:
  • In case of death before attaining the age of 60:
  • Partial withdrawals made in 2 years immediately prior to the date of death
  • In case of death after attaining the age of 60:
  • Partial withdrawals made under the policy 2 years before attaining age 60 and all the partial withdrawals after attaining the age of 60.
  • Surrender Benefit:
  • Surrender Before Completion of 5 Policy Years:
  • Value equal to Fund Value less applicable Discontinuance Charge will be kept in Discontinued Policy Fund and no subsequent charges other than Fund Management Charges for Discontinued Policy Fund will be deducted.
  • Surrender After Completion of 5 Policy Years:
  • If the policy is surrendered after the lock-in period, then the Surrender Value is the Fund Value at the prevailing NAV. It becomes payable immediately.

Minimum/ Maximum Age at Entry

For PPT of 5 years = 8 to 50 years (as on last birthday)
Other PPTs = 8 to 60 years (as on last birthday)
(PPT is Premium Paying Term)

Minimum/ Maximum Age at Maturity

18 to 70 years (as on last birthday)

Premium Paying Frequency

Yearly, Half Yearly, Quarterly and Monthly

Premium Paying Term and Policy Term

Fixed Policy Term

Available Premium Payment Term

10 years

5 years/ 7 years

15 years

10 years/ 12 years

20 years

15 years/ 17 years


Minimum/ Maximum Sum Assured

Minimum and Maximum Sum Assured is as under:

· Age < 45 years: Maximum(10, 0.5 x Policy Term) x Annual Premium

· Age >= 45 years: Maximum(7, 0.25 x Policy Term) x Annual Premium


Minimum =20,000/-
Maximum = No Limit, subject to underwriting