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Future Generali Life Term Insurance Plans

Getting complete financial protection for your family is always the topmost priority. Future Generali India Life Insurance Company offers term assurance plans that helps you secure the financial future of the family. Get your family covered against uncertainties of life.

Future Generali Life has 83.70% as Claim Settlement Ratio. (as per IRDAI Annual Report 2014-15).

Future Generali Life offers following term plans:

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1. Future Generali Flexi Online Term Plan

Future Generali Flexi Online Term Plan is a non-participating & non-linked term insurance plan providing financial protection for your family. This plan provides multiple coverage options and you can easily customize the plan, so your family can easily lead a financially independent life.

Key Features

• Life cover at affordable premiums

• Get longer protection till 75 years of age

• Multiple coverage options

• Grab discounts on premium rate upon choosing higher sum assured

• Preferential premium rate for those who don’t smoke

• Lower premium rates for female lives

• Hassle-free procedure to buy plan online

Benefits

  • Death Benefit

    o   Basic Life Cover: In case of the unfortunate event of death, the sum assured is paid as Lump Sum to the nominee. The death benefit under this payout option is higher of 10 times the annualized premium, 105% of total premiums paid, or the basic sum assured.

    o   Fixed Income Protection: In case of the unfortunate event of death, a level monthly income is paid to the family. This death benefit option is paid on the death of the life insured for a period of 10 years or up to a period you would have turned 60 (whichever is higher).

    o   Increasing Income Protection: In case of the unfortunate event of death, a monthly income increasing @10% per annum is paid to the family for a period of 10 years or up to a period you would have turned 60 (whichever is higher).

    o   My Protection Plan: In case of the unfortunate event of death, a combination of basic life cover and income protection (fixed or increasing) that provides financial protection for the family in the long run.

  • Tax Benefit

    Under this plan, you can avail tax benefits under section 80C & 10 (10D) of the Income Tax Act.

Product Snapshot

Factor Minimum Maximum
Age (as on last birthday) 18 years 55 years
Age at Maturity - 75 years
Policy Tenure 10 years 57 years
Premium Paying Term Same as policy term Years -
Premium Paying Mode Annually Only -
Sum Assured 50 Lacs No Limit (subject to underwriting)
Maturity Proceeds Nil -
Rider Benefits Not Available -
Surrender Benefit Nil -

2. Future Generali Care Plus

Future Generali Care Plus is a term life insurance plan that covers you & your family against growing protection needs. This term plan provides two variants namely, Future Generali Care Plus Classic and Future Generali Care Plus Premier that ensures financial security for your family.

Key Features

• Life protection at reasonable premium rates

• Choose from two plan variants

• Customize your policy as per the need

• Discounts on premium rates for choosing higher sum assured

Benefits

  • Death Benefit

    In case demise of the life insured during the policy term, the death benefit is payable to the nominee as a lump sum amount. The death benefit is higher of 10 times the annualized premium, 105% of the total premiums paid, or sum assured.

  • Rider Benefit

    This plan offers Future Generali Non Linked Accidental Death Rider.

  • Tax Benefit:

    Under this plan, you can avail tax benefits under section 80C & 10 (10D) of the Income Tax Act.

Product Snapshot

Factor Minimum Maximum
Age (as on last birthday) 18 years 60 years
Age at Maturity - 65 years
Policy Tenure 5 years 30 years
Premium Paying Term Same as policy term Years -
Premium Paying Mode Monthly, Semi Annually & Annually -
Sum Assured 10 Lacs No Limit (subject to underwriting)
Maturity Proceeds Nil -
Surrender Benefit Nil -