Edelweiss Tokio Life Investment Plans

Edelweiss Tokio Life Insurance is a joint venture between Edelweiss financial Services, Mumbai and Tokio Marine Holdings Inc, Japan. It was established in 2011. It is one of the leading financial service providers which caters to the various needs of its customers and offers a host of products designed specifically to meet the needs of its customers.

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What are Traditional / Investment Plans

Traditional plans, also called Conventional Insurance Plans are plans where money is invested as per the guidelines laid down in the Insurance Act. The whereabouts of the invested premium is not known to the policyholder. The policyholder is simply promised certain benefits payable on death, maturity or as money back. Traditional Investment Plans have some of the basic features which are mentioned below:

  • These plans are issued for a longer term perspective and money cannot be withdrawn from the plans.

  • In case of stopping the premium payment, the plan becomes paid-up if at least three full years’ premiums have been paid. A paid-up plan has a reduced Sum Assured and the policyholder has a choice to either run the plan at the reduced coverage or surrender the plan.

  • The plans may be offered as participating or non-participating plans. Participating plans are entitled to participate in the company’s profits and earn bonuses which are not true for non-participating plans.

  • The plans may be issued either as Endowment Plans or Money Back Plans

Edelweiss Tokio Life Traditional / Investment Plans

Edelweiss Tokio Life Insurance Company offers various types of Traditional / Investment Plans to its customers with attractive features and benefits. Here is the detailed list of plans along with their respective features and benefits.

  1. Cashflow Protection Plus:

    • A traditional plan which can be availed by all lying between the ages of 91 days to 55 years. The maturity period of this plan is fixed at 100 years of age of the plan buyer.

    • At a minimum premium of Rs.9835 this plan gives a sum assured starting from Rs.2 lakhs. This plan offers guaranteed income till the age of 100 along with guaranteed money back and revisionary bonuses.

    • It also offers loan facilities and discounts for high sum assured amounts.

    • The plan offers guaranteed money back as well as non-guaranteed cash bonus.

    Eligibility:

    Parameters Minimum Maximum
    Age 91 days 55 years
    Maturity Age Nil 100 years
    Premium Payment Term 10, 15, 20 and 25 years
    Premium Paying Mode Yearly, Half yearly and monthly
    Premium Amount Rs.9835  
    Sum Assured Rs.200000 No Limit
    Policy Term 100 years minus the age of the insured
  2. Single Pay Endowment Assurance Plan:

    • A non-unit Linked insurance plan which offers life cover, flexible fund options along with guaranteed loyalty additions at the end of the maturity period.

    • A simple 10 year plan issued as a single premium pay plan which provides benefits of wealth enhancement along with risk protection.

    • A low allocation charge plan which offers flexibility to avail loans and also make policy withdrawals post completion of one year in case of financial emergencies.

    Eligibility:

    Parameters Minimum Maximum
    Age 8 years 50 years
    Maturity Age Nil 60 years
    Premium Payment Term Single Pay
    Premium Paying Mode Once
    Premium Amount Rs.40000 No Limit, subject to underwriting
    Sum Assured Rs.400000 No Limit, subject to underwriting
  3. Guaranteed Income Plan:

    • An endowment plan which offers maturity benefits along with additional benefits amounting up to 200% of all the premiums paid.

    • These benefits are released as a lump sum payment.

    • It also offers loan facilities in cases of financial emergencies along with riders to enhance protection.

    • Issued as a 15 year term policy this plan offers guaranteed income for the next fifteen years (post completion of the policy period).

    • It can be availed by all lying between the ages of 3 years to 50 years with a 15 year premium payment term.

    Parameters Minimum Maximum
    Age 3 years 50 years
    Maturity Age 18 years 65 years
    Premium Payment Term 15 years
    Premium Paying Mode Annually
    Premium Amount Rs 30,000 for ages 3 to 35
    Rs 40,000 for ages 36 to 40
    Rs 50,000 for ages 41 to 45
    Rs 60,000 for ages 46 to 50
    Sum Assured Rs.483630 No Limit, subject to underwriting
    Policy Term 15 years
    Payout Period 16th to 30th year from the plan issuance date
  4. Save n Prosper:

    • An endowment plan which not only offers profits but also provides the buyer with tax benefits (equivalent to sum assured and bonuses), additional discounts and bonuses (up to 90% of the surplus).

    • The plan offers flexible policy term as well as flexible premium payment terms.

    • It also offers loan facilities in cases of financial emergencies along with riders to enhance protection.

    • It can be availed by all lying between the ages of 3 years to 50 years for a period of 15 to 30 years.

    Eligibility:

    Parameters Minimum Maximum
    Age 3 years 50 years
    Maturity Age 18 years 65 years
    Premium Payment Term 10, 15 or regular pay
    Premium Paying Mode Yearly, Half yearly, quarterly and monthly
    Premium Amount  Rs.5824 for annual premiums
     Rs.3000 for Semi-annual premiums,
    Rs.1750 for Quarterly premiums
    Rs.600 for Monthly premiums
    Sum Assured Rs.200000 No Limit, subject to underwriting
    Policy Term 15 to 35 years
    Premium Modal Factor Annual-100%
     Semi-annual – 51.2%,
    Quarterly – 26.0%
    Monthly – 8.8%
  5. Safe n Sure:

    • An endowment plan which offers guaranteed benefits at the end of the maturity period.

    • It also offers loan facilities in cases of financial emergencies along with discounts.

    • It can be availed by all lying between the ages of 5 years to 55 years for a policy period of 15, 20 or 25 years as a 15 year premium pay plan.

    Eligibility:

    Parameters Minimum Maximum
    Age 5 years 55 years
    Maturity Age   80 years
    Premium Payment Term 15 years
    Premium Paying Mode Yearly, Half yearly, quarterly and monthly
    Premium Amount  Rs.7326 for annual premiums
     Rs.4000 for Semi-annual premiums,
    Rs.2500 for Quarterly premiums
    Rs.1000 for Monthly premiums
    Sum Assured Rs.200000 No Limit, subject to underwriting
    Policy Term 15, 20 and 25years
  6. Milestones Plan:

    • A non-linked insurance plan which offers money back benefits at specific intervals as decided by the buyer.

    • It offers larger payouts by ways of guaranteed benefits along with additional bonuses at the end of maturity of the policy.

    • It also offers discounts along with riders to enhance protection.

    • Offers regular payouts at predetermined intervals.

    • It can be availed by all lying between the ages of 12 years to 44 years for a policy period of 16, 20, 25 or 30 years as a 12, 16, 20 or 24 years premium pay plan.

    Eligibility:

      Policy Term
      16 year 20 year 25 year 30 years
    Minimum Age 14 years 14 years 13 years 12 years
    Maximum Age 44 years 40 years 35 years 30 years
    Maximum Maturity Age 60 years 60 years 60 years  60 years
    Premium Payment Term 12 years 16 years 20 years 24 years
    Minimum Sum Assured Rs.250000
    Maximum Sum Assured No Limit, subject to underwriting
    Premium Payment modes Yearly, half-yearly and monthly

  7. Wealth Builder:

    • A non-linked insurance plan which offers the dual benefits of protection along with savings thus protecting the buyer’s family at difficult times.

    • It offers guaranteed benefits which are given upfront.

    • The plan offers flexible policy term as well as flexible premium payment terms.

    • It also offers loan facilities in cases of financial emergencies along with discounts.

    • It can be availed by all lying between the ages of 91 days to 55 years for a policy period of 10, 15, 20, 25 or 30 years

    Eligibility:

    Parameters Minimum Maximum
    Age 91 days 55 years
    Maturity Age 18 years 70 years
    Premium Payment Term 5 years, 7 years, 10 years and 12 years
    Premium Paying Mode Yearly, Half yearly  and monthly
    Premium Amount  Rs.15000 for annual premiums
     Rs.8000 for Semi-annual premiums,
    Rs.1500 for monthly premiums
    Sum Assured ( maturity) Cumulative Annualized Premium
    Sum Assured (Death) Varies depending upon the premium payment term
    Policy Term 10, 15, 20, 25 and 30 years
  8. GCAP:

    • A non-linked insurance plan which offers the dual benefits of maturity as well as death benefits along with accrued guaranteed additions and the guaranteed benefits which are given upfront.

    • The plan offers flexible policy term as well as flexible premium payment terms.

    • It also offers loan facilities in cases of financial emergencies along with discounts.

    • It can be availed by all lying between the ages of 91 days to 55 years for a policy period of 10, 15, 20, 25 or 30 years.

    • In case of death, higher of the Sum assured or 11 times the annual premium (for5, 7 or 10 pay) or 13 times of the annual premium (for 12 pay) is paid including the Guaranteed Additions subject to a minimum of 105% of all premiums paid till the date of death.

    Eligibility:

    Parameters Minimum Maximum
    Age 91 days 55 years
    Maturity Age 18 years 70 years
    Premium Payment Term 5 years, 7 years, 10 years and 12 years
    Premium Paying Mode Yearly, Half yearly, quarterly  and monthly
    Premium Amount  Rs.15000 for annual premiums
     Rs.8000 for Semi-annual premiums,
    Rs.4000 for quarterly premiums
    Rs.1500 for monthly premiums
    Sum Assured ( maturity) Cumulative Annualized Premium
    Sum Assured (Death) Rs.165000 No Limit
    Policy Term 10, 15, 20, 25 and 30 years
  9. DhanLabh:

    • A non-participating insurance plan which offers maturity benefits as well as death benefits with the option of limited premium payment.

    • Offers guaranteed additions from 13th year of commencement of the policy.

    • It also offers loan facilities in cases of financial emergencies along with riders to enhance protection.

    • The plan offers flexible policy term as well as flexible premium payment terms.

    • It can be availed by all lying between the ages of 91 days to 45 years for a policy period of 15, 20, 25 or 30 years as a limited pay plan.

    • In case of death, higher of the Sum assured or 10 times the annual premium is paid including the Guaranteed Additions subject to a minimum of 105% of all premiums paid till the date of death.

    Eligibility:

    Parameters Minimum Maximum
    Age 91 days 55 years
    Maturity Age 18 years 70 years
    Premium Payment Term 7 years, 10 years and 12 years
    Premium Paying Mode Yearly, Half yearly, quarterly  and monthly
    Premium Amount Annual premiums: Rs.7500 for 7 pay and Rs.5000 for 10 or 12 pay
    Semi-annual premiums: : Rs.4000 for 7 pay and Rs.3000 for 10 or 12 pay
    Quarterly premiums: : Rs.2000 for 7 pay and Rs.1500 for 10 or 12 pay
    Monthly premiums: : Rs.1000 for 7 pay as well as for 10 or 12 pay  
    Sum Assured ( maturity) Annualized Premium * PPT + added benefits( if any)
    Sum Assured (Death) Rs..55000 No Limit
    Policy Term 15, 20, 25 and 30 years
  10. DhanNiveshBimaYojana

    • An endowment plan which offers enhanced returns on maturity.

    • Issued at a single premium plan is issued for a period of 10 years to all people lying between the ages of 18 to 45 years

    • Offers additional financial security as well as 100% of the sum assured as a lump sum amount in case of accidental death.

    Eligibility:

    Parameters Minimum Maximum
    Age 18 years 45 years
    Maturity Age 28 years 55 years
    Premium Payment Term Single Pay
    Premium Paying Mode Once
    Premium Amount Rs.1000 Rs.5000(Option A)
    Rs.2500(Option B)
    Sum Assured Rs.50000 Rs.25000
    Policy term  10 years
  11. Edu Save Plan:

    • An insurance plan which not only protects the child’s future but also provides funds at times of need.

    • This plan guarantees continued benefits even after the death of the plan buyer along with waiver of future premiums.

    • It also offers the option of yearly payouts, additional bonus payout.

    • The plan offers additional riders in order to enhance protection as well as a loan facility against one’s policy in case of financial emergencies.

    Eligibility:

    Parameters Minimum Maximum
    Age 18 years 45 years
    Maturity Age Nil 60 years
    Premium Payment Term Regular Pay, 10 pay and policy term minus 5 years pay
    Premium Paying Mode Once
    Premium Amount Rs.6968 Rs.6968
    Sum Assured Rs.225000 No Limit, subject to underwriting

Applying for a Traditional / Investment Plan from the company:

Online:

The company offers specific plans which are available online only. The customer only needs to log into the company’s website, choose the required plan, choose the coverage and provide the details. The premium will be determined using the filled details. The customer then needs to pay the premium online through credit card, debit card or net banking facilities and the policy will be issued

Intermediaries:

Plans which are not available online can be purchased from agents, brokers, banks, etc. where the intermediaries help with the application process.

Applying For Traditional Insurance through PolicyBazaar

  • On the PolicyBazaar homepage, click on Traditional Insurance under the Personal tab.

  • Click New Quotes to compare and choose from top insurance providers.

  • Fill your date of birth (DOB), whether you are a smoker/non-smoker, and the payout amount. On the basis of your payout amount, you will get an estimate of your premium. Next click Continue.

  • Fill in your name, email address, city, country code, and mobile number. Click Continue.

  • You will be taken to the Life Insurance quotes page where you will see life insurance quotes of more than 10 insurers. Next, choose the plan as per payment schedule – One Time Payout and Monthly Payout Plans.

  • After reviewing and comparing each life insurance quote, click the premium amount to buy the desired plan.

  • You will see a pop-up on the screen which will give you an overview of the chosen plan like premium, plan features, exclusions, additional riders, etc. Click Proceed.

This will take you to the insurer’s website. Fill in the necessary details to buy the plan.

To know about Pension Plans check at Edelweiss Tokio Pension Plans

Edelweiss Tokio Life Investment Plans - FAQs

  • Q1. How to pay premium? What are the modes of payment available?

    There are two basic modes for payment of premium for Edelweiss Tokio Life, which have further many options:
    • Online Mode
      • Debit Card payment
      • Payment through standing instructions or credit card
      • Net Banking
    • Offline Mode
      • Through ECS facility
      • IVRS
      • Money Order
      • Cash/Cheque/DD

    You can pay offline by visiting the nearest branch in your city.

  • Q2. How can I check policy status for Edelweiss Tokio Life investment plans?

    You can check policy status online by visiting the e-portal, and punching in the policy number and date of birth.
  • Q3. What is the policy renewal process for Edelweiss Tokio Life investment plans?

    The policy renewal process requires either using auto direct debit options which can be availed online by feeding your login ID and password into the e-portal
  • Q4. What is the company’s process to settle claim for Edelweiss Tokio Life investment plans?

    In order to settle the claim, you must submit the policy documents and claims form at any of the branch offices in your city. Upon receiving and verification of the documents, it takes about 30 days’ time to settle the claims. The claims are settled via NEFT mode.
  • Q5. What is the policy cancellation process for Edelweiss Tokio Life investment plans?

    In case if you are dissatisfied with the policy, a surrender form can be filled and submitted in any of the branch office along with the cancellation charges. Within a time frame of 10 days the policy will stand cancelled on record. The refund will be calculated based on NAV of the current market price.
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Edelweiss Tokio Life Investment Plans Reviews & Ratings

3.9 / 5 (Based on 22 Reviews)
(Showing Newest 10 reviews)
Shahid
Kalakhet, July 08, 2016
Traditional Plan
My traditional insurance policy is awesome which facilitate me many benefits like low premiums, Policy cover maximum scenarios which easily handle by the staff of the company. Service is quick and web service is simple to operate. Updates and renewal of the policy can easily access by this service.
Arjun
Ajmer, June 28, 2016
Nice Policy
The traditional insurance plan I have is very good in benefits. The premium of the plan is low and claims are high. The service provided by company members is fantastic. Internet service is also nice which reduces physical work. Hassle free documentations.
Lalit
Siliguri, May 20, 2016
Marvelous Plan
I own traditional insurance policy plan which i buy from edelweiss tokio life insurance. The policy coverage is 93% and the claims are good. The premiums are low and the claiming process is easy and sanctioned in short time period. The policy is good future investment and it saves taxes too.
Kamal
Nainital, May 20, 2016
Great
I buy edelweiss tokio traditional plan which is really good in services. The policy coverage is good ~89% and the premiums are low. Claiming process is easy due to fast service provided by the executives and the staff members. The payback amount is ~Rs.34 L. Good future investment which save taxes.
Jiten
Jhansi, May 20, 2016
Great Policy
Edelweiss tokio traditional plan which has 88% policy coverage and the claims are easy to get because of fast services provided by the executives and staff members. The daily updates are texted and mailed time to time to may email id and cell number. Nice future investment and tax saving too.
Harish
Muktsar, May 20, 2016
Excellent Policy
My traditional plan is good which i buy from edelweiss tokio life insurance with great facilities. Superb plan with good benefits, your service is fast and on time. Premiums are low and the policy coverage is 89% with good claims. Executives and staff members facilitate the services very nicely. Good experience, It save my taxes too. I like the policy.
Gagan
Nasik, May 20, 2016
Manageable
I purchase edelweiss tokio traditional plan. The policy coverage is low that is 75% and the claim is around 28 L. Service is bit slow, please improve your services for better performance. The web service is also slow. The policy is not good for long term investment and the tax rate cutter has low percentage. Please improve the terms and conditions for better results. Manageable plan.
Faisal
Khalilabad, May 20, 2016
Below Average
Edelweiss tokio traditional plan i have which is below average. The premium is high and the returns are less. Services is bit slow and the behaviour of the staff members is not so well. Web services are also not working. Bad experience. I'm not satisfied with this policy. Please improve the policy.
Dinesh
Godhra, May 20, 2016
High Returns In Low Premium
The edelweiss tokio life insurance is one of the best insurance company. I took traditional insurance policy plan which provide me good service and high returns. The premiums are low and the policy coverage is high ~90% with high claims. The behaviour is good from executives and staff members. Good future investment, I like the policy.
Sandeep
Jaipur, May 20, 2016
Perfect
Policy has all benefits and the investments are also low. Around Rs.37 L is payback amount. Edelweiss tokio life insurance provide me traditional plan which has good facilities and the service is very quick. The up gradation details in policy is mailed to me time to time. Fantastic future investment. Good behaviour of executives is really very impressive.
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