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Future Generali Assured Money Back Plan is a non-linked, non-participating Money Back Plan that helps fulfill your financial objectives at different stages of your life. This plan provides guaranteed regular money back plus guaranteed maturity benefit. This money back plan also provides insurance cover, so your family is financially secure.
Get QuotesIn the event of death of the life insured during the policy term, Death Sum Assured is payable to the nominee. Death Sum Assured is higher of 105% of total premiums paid, 110% of Sum Assured, or 10 times the Annualized Premium.
On survival of the life insured till maturity of the policy, 110% of Sum Assured is payable.
On survival of the life insured till completion of the premium payment term, 10% of Sum Assured at the end of every year after the Premium Payment Term over a period of 9 years.
The maximum loan amount that can be availed is up to 85% of surrender value, subject to a minimum of Rs 10,000.
This policy acquires Surrender Value after paying at least two full policy years’ premium. The Special Surrender Value payable is higher of Guaranteed Surrender Value or Special Surrender Value.
This policy provides tax benefits under section 80C, 80CCC (1), 80D, & 10 (10D) of the Income Tax Act, subject to change in tax laws.
| Factor | Minimum | Maximum |
| Age (as on last birthday) | 18 Years | 50 Years (policy Term 15/17/20 Years), 48 Years (policy Term 22 Years) |
| Age at Maturity | - | 70 Years |
| Policy Tenure | 15/17/20 Years | 22 Years |
| Premium Paying Term (PPT) | 5 Years (policy Term 15 Years), 7 Years (policy Term 17 Years), 10 Years (policy Term 20 Years), 12 Years (policy Term 22 Years) | - |
| Premium Paying Mode | Annually, Semi Annually, Quarterly & Monthly | - |
| Annualized Premium | Rs 18,000 (5/7 Year PPT), Rs 24,000 (10/12 Year PPT) | No Limit |
| Sum Assured | Rs 58,215 | No Limit (subject To Underwriting) |
| Freelook Period | 15 Days/30 Days (for Distance Marketing Channel) From The Receipt Of The Policy | - |
| Grace Period | 30 Days (15 Days For Monthly Mode) | - |
| Plan Type | Offline | - |
No riders can be opted under this policy.
Raman at 35 years, wants to buy Future Generali Assured Money Back Plan to get regular money backs along with life protection. He opts the plan with the policy term of 20 years, premium paying term of 10 years, and the sum assured is Rs 5,00,000 with the annual premium of Rs 56,805.
Scenario A: Raman Survives the Policy Term
If Mr. Raman survives till the maturity of the policy term, he receives Rs 50,000 every year from the 11th to the 19th year. He will also receive Rs 5,50,000 on maturity date.
Scenario B: Raman dies during the Term of the Policy
In the event of demise of Mr. Raman during the 4th policy term, Rs 5,68,050 is payable to the nominee. This payout helps nominee to get the financial assistance.
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