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  • As per amendment in the Income Tax Rules, PAN or Aadhaar are to be mandatorily quoted for cash deposit or withdrawal aggregating to Rupees twenty lakhs or more in a FY. Please update your PAN or Aadhaar. Kindly reach out to the Bank’s contact center on 1800 10 888 or visit the nearest IDFC FIRST Bank branch for further queries.

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Eligibility

Plan Option Smart Income* Regular Income
Premium Payment Term (PPT) (in years) 5 / 6 7 8 / 10 / 12 5 / 6 / 7 / 8 / 10 / 12
Deferment Period (in years) Not applicable PT minus PPT
Policy Term (PT) (in years) Regular Pay Equal to PPT 5 to 17
Limited Pay NA 10 15
Income Period (in years) 15 / 20 / 25 / 30 5 / 7 / 10 / 12 / 15 20 / 25 / 30
Enhanced ROP4 Yes No Yes
  Minimum Maximum Minimum Maximum
Age at Entry (years) 6 Regular Pay - 60 1 60
Limited Pay - 55
Age at Maturity (years) 18 72 18 77
Annualized Premium3 (₹) Rs.30,000 No limit, subject to Board Approved Underwriting Policy Rs.30,000 No limit, subject to Board Approved Underwriting Policy

 

*Under Smart Income, Income Period 15 and Limited premium payment option is only available with Early Guaranteed1 Payouts (EGP) Start Year 1.

All ages mentioned above are age as on last birthday. Risk cover will commence immediately on the date of commencement of risk of the policy and, in the case of a minor life, policy will vest on the life assured on the earlier of attainment of majority (i.e., 18 years’ age last birthday) or on maturity date. The product is available for sale through online mode for female lives, the age set-back of 3 years will be applicable for calculation of SA Multiple and Maturity Benefit/ Income payouts. Income Period will commence after the end of Deferment Period. The deferment period will be PT minus PPT (in years) Benefits will vary depending on the plan option chosen

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