• Convenient single premium payment, with option to pay top-ups later.
  
• 100% of the single premium/top-ups are allocated
  
• Guaranteed death benefit
  
• Choice of 5 investment funds with flexible investment management: you can switch between funds at any time.
  
• Attractive investment alternative to fixed-interest securities
  
• Provision for full/partial withdrawals any time after the single premium is paid.
  
• Unmatched flexibility –to match your changing needs.

The five funds offered are as under:

1. Equity Fund – This fund provides the scope of high appreciation over a long term. The fund will primarily invest in equities & is expected to match returns given by NSE NIFTY. This fund will invest at least 90% in equities and maximum 10% in cash.
   
2. Equity Gain Fund - The investment objective of this Fund is to provide capital appreciation through investment in select equity stocks that have the potential for high capital appreciation. This fund will invest at least 90% in equities and maximum 10% in debt & cash instruments.
   
3. Debt Fund - This fund provides the scope for steady returns at low risk through investment in high quality fixed income securities. This fund will be invested fully in debt instruments.
   
4. Balanced Fund – The balanced fund is primarily for those who prefer a mix of steady returns & growth. The balanced fund will invest 30% to 50% in the equity fund and 50%to 70% in the debt fund.
   
5. Cash Fund – The cash fund will invest conservatively in money market & short-term investments to ensure that return on investments shall never be negative. 100% of this fund will be invested in money market instruments. The price of the units in this fund is guaranteed never to go down.
   The investment advice on the Equity Gain Fund will be provided