Ordinary Endowment

Under Endowment Life Assurance the sum assured is payable on a fixed date i.e. on the policy maturity date or on the life assureds’ earlier death. Endowment polices build cash value, i.e the accumulated excess premium payment apart from the risk element that can be used as a cash surrender value & policy loan.

Anticipated Endowment

On survival during the term of the policy, cash payments of 20%, 20% and 60% of the basic sum assured are payable after 1/3 rd, 2/3 rd and at maturity respectably. On death any time during the term of the policy the full sum assured is payable immediately to the beneficiaries.

Endowment Annuity

Endowment Annuity policy is a retirement policy incorporating Life insurance protection during the insurance period. Terms of 4, 5, 6... 38, 39 Years are selected by the policy holder, alternatively the policy holder could choose to pay premiums up to the age 55, 60 or 65. Premiums are payable up to the end of the selected term or earlier death of the life assured. On death of the policy holder during the term of the policy or on survival up to the end of the term the sum assured is payable in installments of either 2,3 or 4 years as chosen by the policy holder.

Education Endowment Insurance

The purpose of Education Policy is to provide a fixed benefit/sum assured to the policy holder (the parent) whereas the actual beneficiary of life assured would be the named child. The education policy is developed in such a way that the benefit from the policy is paid in a manner that fits the education system in the country. Benefits are payable either during the last 3 or 4 years preceding maturity; at maturity or for 3,4 or 5 years after maturity as selected by the policy holder. Premiums are payable for terms of 10, 11, 12… 18, 19, 20 years as selected by the policy holder at the outset of the policy.

Other insurance types


Under Endowment Life Assurance the sum assured is

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School Fee Guarantee

This policy pays a child’s school fee for

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Health Insurance

This policy covers the insured against both natural

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Life Insurance

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