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Sahara Dhan Sanchay Jeevan Bima is a traditional participating endowment insurance plan that helps you to fulfill your financial goals by providing you the benefit at maturity under the policy. This plan also provides life cover that ensures financial protection for your family, if something unfortunate happen to you.
Get QuoteDeath Benefit
On the unfortunate demise of the life insured during the policy term, the death benefit payable is sum assured on death plus vested bonuses.
If age at entry is less than 45 years, sum assured on death is higher of 10 times of annualized premium or minimum guaranteed sum assured. If age at entry is equal to or more than 45 years, sum assured on death is higher of 7 times of annualized premium or minimum guaranteed sum assured.
The death benefit payable is never less than 105% of the total premiums paid, till the date of death.
Maturity Benefit
On survival till end of the policy term, the maturity benefit equal to the sum assured along with vested bonuses is payable to the life insured.
Bonus
Vested bonuses (as applicable) are payable under this policy.
Loan Benefit
You can avail loan amount up to 90% of the acquired surrender value.
Surrender Value
Surrender Value can be acquired after payment of at least three policy years. Surrender Value payable is higher of Guaranteed Surrender Value or Special Surrender Value.
Tax Benefit
The premiums paid and benefits payable are eligible for tax benefit under Income Tax Act, subject to prevailing tax laws.
| Factor | Minimum | Maximum |
| Age (as on last birthday) | 14 Years | 50 Years |
| Age at Maturity | - | 70 Years |
| Policy Tenure | 15 Years | 40 Years |
| Premium Paying Term | Equal To Policy Term | - |
| Premium Paying Mode | Annually, Semi Annually, Quarterly & Monthly | - |
| Premium Amount | - | - |
| Sum Assured | Rs 50,000 | No Limit (subject To Underwriting) |
| Freelook Period | 15 Days From The Receipt Of The Policy | - |
| Grace Period | 30 Days (15 Days For Monthly Mode) | - |
| Plan Type | Offline | - |
No riders are available under this plan.
Rohit is looking to buy a plan that can helps you to fulfill financial goals plus ensures financial protection for his family. He at 35 years buys Sahara Dhan Sanchay Jeevan Bima with the policy term & premium paying term of 15 years, pays annualized premium of Rs 7,515 and the sum assured is Rs 1,00,000.
Scenario A: Rohit Survives the Policy Term
On survival of Rohit till end of the policy term, sum assured i.e., Rs 1,00,000 plus vested bonuses is payable.
Scenario B: Rohit dies during the Term of the Policy
In the event of the demise of Rohit within the policy term, the death benefit payable equal to sum assured on death i.e., Rs 1,00,000 plus vested bonuses is payable to the nominee/family.
Benefit Illustration:
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