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Products Whole Life Plans

Jeevan Umang (845)

Product Summary

Jeevan Umang Plan (845) is a non-linked, with-profits whole life assurance plan. This plan provides for annual survival benefits from the end of the premium paying term till maturity and lump sum payment at the time of maturity or on death of the policyholder during the policy term.

Premium Payment Mode

Yearly, Halfly, Quarterly, Monthly(ECS)


100 (Age Entry) Years


15 Years
20 Years
25 Years
30 Years

Minimum Entry Age

90 Days Completed

Maximum Entry Age

55 years (Nearest Birthday) for PPT = 15
50 years (Nearest Birthday) for PPT = 20
45 years (Nearest Birthday) for PPT = 25
40 years (Nearest Birthday) for PPT = 30

Minimum Age at the end of PPT

30 Years (Nearest Birthday)

Maximum Age at the end of PPT

70 Years (Nearest Birthday)

Age at Maturity

100 Years (Nearest Birthday)

Minimum Sum Assured

Rs. 2,00,000

Maximum Sum Assured

NO LIMIT (Depending upon income)

Masimum Accidental Death and Disability Benefit Rider up to age 70.

Maximum Accidental Benefit Rider shall be available during the PPT only.

Policy Benefits

On Death :

On death before the commencement of Risk:
An amount equal to the total amount of premium/s paid without interest shall be payable.

On death after commencement of Risk:
Sum Assured on Death+vested simple reversionary Bonus + FAB if any.
Where Sum Assured on Death is defined as the highest of Basic Sum-Assured,OR
10 times of Annualized Premium, OR
105% of all Premiums paid as on death

On Survival :

On survival 8% of Basic Sum Assured shall be payable each year.

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