Flexible premium payment options including yearly, half-yearly, quarterly, and monthly modes through ECS, auto-debit, or online payments. Premium amounts based on age, health condition, sum assured, and policy term with discounts for non-smokers and healthy individuals. Premium payment terms ranging from single pay to regular pay up to policy term. No medical examination required for certain age limits and sum assured amounts with simplified underwriting process.

Premium rebates for higher sum assured and online policy purchases. Loyalty additions and bonuses for policies maintained without lapses. Surrender value available after premium payment for specified period with paid-up value option. Revival period of 2-5 years for lapsed policies with medical examination if required. Special premium rates for women and preferred lives with healthy lifestyle and family discounts available.

Death benefit paid to nominees in case of policyholder's demise during policy term. Maturity benefit paid on survival to policy term end for endowment and money-back plans. Bonus additions declared annually for participating policies. Guaranteed additions for specific policy types. Surrender value available after premium payment for specified period. Loan facility against policy for emergency financial needs with competitive interest rates.

Critical illness rider providing lump sum payout on diagnosis of specified illnesses. Accidental death and disability rider for enhanced protection. Waiver of premium rider exempting future premiums in case of disability. Income benefit rider providing regular income to family. Hospital cash benefit for daily expenses during hospitalization. Child benefit riders for education and marriage expenses with guaranteed payout options.

Premiums paid eligible for tax deduction under Section 80C up to ₹1.5 lakhs per financial year. Additional deduction of ₹50,000 available for certain policies under Section 80CCD(1B). Maturity proceeds and death benefits tax-exempt under Section 10(10D) subject to conditions. Tax benefits available for policies taken for self, spouse, and children. Premium paid for critical illness rider eligible for deduction under Section 80D with specified limits.

Loan taken against policy not treated as income and interest eligible for deduction. Surrender value received tax-free if premium to sum assured ratio within specified limits. Tax exemption on bonuses and loyalty additions accrued during policy term. Tax benefits available for NRIs subject to DTAA provisions. Form 16A provided for tax deduction at source on maturity proceeds if applicable with proper documentation support.

Simplified claim process with minimal documentation requirements. Death claims settled within 30 days of document submission with compassionate approach. Online claim registration through customer portal with real-time tracking. Nominee facilitation services and grief counseling support. Quick claim settlement for policies beyond specific tenure without investigation. Maturity claims processed automatically with payout options of lump sum or annuity as per policy terms.

Critical illness claims settled on diagnosis with medical certificate and specialist confirmation. Accidental death claims with police report and postmortem certificate documentation. Maturity claims processed before due date with multiple payout options. Claim settlement ratio above 95% across all policies with transparent process. Dedicated claim assistance team for guidance and support throughout the claim journey with regular updates to claimants.

24/7 customer support through toll-free numbers, email, and chat support. Dedicated relationship managers for high-value policies and premium customers. Policy servicing through mobile app and web portal with digital documentation. Free annual policy review and portfolio analysis with personalized recommendations. Premium payment reminders through SMS and email with multiple payment gateway options. Online premium payment and policy document access with instant updates.

Financial planning assistance and need-based analysis by certified advisors. Policy change facilities for sum assured increase, premium payment mode change with minimal formalities. Nominee change and address update services through self-service portal. Surrender value calculation and loan against policy facilities with online application. Grievance redressal through insurance ombudsman if required with proper escalation matrix. Educational resources and retirement planning guidance for long-term financial security.