ICICI SMARTKID RP PDF

Flexible premium payment options: You can either pay premium throughout the policy term or for a limited period Loyalty additions: Paid at the end of every fifth policy year, starting from the end of the 10 policy year subject to payment of all due premiums Partial withdrawals: Facility to provide money at key educational milestones of your child Tax Benefits: On premiums paid and benefits received, as per prevailing tax laws How does this education savings plan work? Alternatively, you can opt for the Settlement Options available. Loyalty Additions: Loyalty additions shall be allocated at the end of every fifth policy year, starting from the end of the 10 policy year, provided all due premiums have been paid. Under this strategy, you must choose your own asset allocation from any of the eight funds options.

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This is a participating endowment regular premium life insurance plan, with two options to receive guaranteed educational benefits, no matter what the uncertainties in your life. This benefit ensures that in case of death of the parent, the company pays all future premiums on behalf of the parent.

Complete protection: Lump sum payment of Sum Assured plus payment of future premiums by the Company in the unfortunate event of death of the parent Life Assured Development Allowance :Under this benefit, a specified amount is paid to the child every year, in the unfortunate event of death of the parent, if Income Benefit Rider is opted for. Facility to provide money for key educational expense of the child Protection against Accident and Disability: Additional protection against accident and disability is provided with the help of a rider at a marginal extra cost Tax Benefits : On premiums paid and benefits received, as per prevailing tax laws Benefits in detail: Guaranteed educational benefits:This plan guarantees educational benefits to your child.

To avail of this benefit, you have to take the Income Benefit Rider available at a marginal extra cost. Additional Rider Benefits : This is an additional benefit which can be availed along with the base plan, by paying a marginal extra cost. The policy can be surrendered only when the life assured is alive. The cash value of the Guaranteed Additions already made and vested bonuses will also be allowed.

Non-Guaranteed Surrender Value The Company may allow surrender values at such other rates not less than the Guaranteed Surrender Values specified above. These rates will be declared by the company from time to time. The surrender values will be computed by applying the factors to the paid-up sum assured and vested guaranteed additions and vested bonuses.

How can I buy this plan? We offer several options for you to buy as per your convenience. Choose from one of the following:.

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Fenrira And under Option 2, the Sum Assured is paid in instalments in the last 5 years of the policy. Policy Term in years. Insurance is the subject matter of solicitation. Under Option 1, the Sum Assured is paid in instalments 7, 5 and 2 years before Maturity and the remaining amount on Maturity. Rs is paid. The Maturity Benefit is paid every year in the last 5 years of the policy. The Maturity Benefit is received at pre defined critical educational milestones Option 2: Entry Age of Child in years.

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This is a participating endowment regular premium life insurance plan, with two options to receive guaranteed educational benefits, no matter what the uncertainties in your life. This benefit ensures that in case of death of the parent, the company pays all future premiums on behalf of the parent. Complete protection: Lump sum payment of Sum Assured plus payment of future premiums by the Company in the unfortunate event of death of the parent Life Assured Development Allowance :Under this benefit, a specified amount is paid to the child every year, in the unfortunate event of death of the parent, if Income Benefit Rider is opted for. Facility to provide money for key educational expense of the child Protection against Accident and Disability: Additional protection against accident and disability is provided with the help of a rider at a marginal extra cost Tax Benefits : On premiums paid and benefits received, as per prevailing tax laws Benefits in detail: Guaranteed educational benefits:This plan guarantees educational benefits to your child. To avail of this benefit, you have to take the Income Benefit Rider available at a marginal extra cost.

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You can enjoy the opportunity to get potentially better returns and grow your money by investing it in equity and debt funds for the long term. This combination helps you beat inflation while protecting your investments. How does a mix of equity and debt beat inflation? Inflation is the rate at which the price of goods and services increases over a period of time. To gain from your investments, your savings should grow at a rate higher than the inflation rate. In order to get better returns in the long run, it is advisable to have equity exposure. Equity markets are subject to short-term market volatility.

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