Yes, if the life assured passes away due to suicide within 12 months from the policy commencement or its revival, the nominee will receive the fund value as on the date of intimation of death. Additionally, any charges (except Fund Management Charges) deducted after the date of death will be added back to the fund value. The policy will terminate once this benefit is paid.

Yes, the Promise4Growth Plus plan allows partial withdrawals after a 5-year lock-in. You can withdraw a portion of your fund value, subject to policy terms and limits. It’s useful for emergencies but may reduce overall returns and insurance cover. Always review charges before withdrawing. You can use features like Milestone Withdrawal and Systematic Withdrawal Option for planned liquidity.

If you stop paying premiums in the first 5 years, your fund value (after charges) moves to the Discontinued Policy Fund (DPF) and is paid after the lock-in or on revival. After 5 years, the policy continues with reduced benefits, and you can revive it within 3 years.

The best time is when you seek long-term wealth creation along with insurance protection. ULIPs benefit most when invested early, giving more time for compounding and market growth. Consistent premium payments over 10-15 years help average out market fluctuations, maximising value and protecting your financial goals.

Yes, the Promise4Growth Plus plan includes built-in benefits like Milestone Withdrawal, Systematic Withdrawal, and Premium Fund Advantage.

Yes, premiums paid are eligible for tax deductions under Section 80C, subject to limits. Maturity proceeds and withdrawals may also qualify for tax exemptions under Section 10(10D), provided conditions are met. 

Please note: Tax Benefits under the Policy will be as per the prevailing Income Tax laws and are subject to amendments from time to time. For tax-related queries, contact your independent tax advisor.

Returns are market-linked and depend on the performance of chosen funds, such as equity, debt, or balanced. After deducting charges, the Net Asset Value (NAV) determines your fund value. Over time, consistent investment and compounding drive returns. Performance varies with market conditions, so fund choice and investment horizon are key.

To file a claim, submit the claim form with required documents such as policy details, identity proof, and, in case of death, a death certificate. The insurer verifies the documents, processes the request, and settles the claim within regulatory timelines, typically through direct bank transfer.

Yes, you can choose from three variants:

• Promise4Wealth Plus – Focus on wealth creation
• Promise4Care Plus – Includes Premium Funding Benefit in case of loss of life
• Promise4Life Plus – Provides whole life cover up to age 100

Entry Age: 0 to 65 years (varies by variant)
Policy Term: 10–30 years or up to age 100 (for Life Plus variant)
Minimum Premium: ₹12,000 annually