ING STAR LIFE- EARN UPTO 10% RETURN

ING STAR Life

ING STAR Life, a unique life insurance plan that helps you enjoy assured tax free returns on your hard earned savings. All you have to do is pay premium for 3 years and enjoy benefits in a 12 year period. ING STAR Life has unique advantages:

• Assured tax free returns
• Life Cover (5 times the annual premium)
• Benefit payout in 10th, 11th and 12th year

KEY BENEFITS

1.Guaranteed Death Benefit:

ING STAR Life secures your family’s financial future in case of an unfortunate event by guaranteeing death benefit of 5 times the annual premium. The life cover is applicable throughout the policy term of 12 years.

2. Guaranteed Addition Rate:

ING STAR Life assures you a guaranteed rate of addition from year 1 till policy maturity. The rate varies as per the sum assured chosen as follows:- Sum Assured (in Rs.) Guaranteed Addition Rate (per annum) 65,000 – 1.3 Lac 8% 1.30 Lac – 1.95 Lac 9% 1.95 Lac – 2.5 Lac 9.5% 2.5 Lac and above 10% Guaranteed Addition is accumulated every year as a percentage of the sum assured and is paid in aggregate after the end of the 12th policy year.

3. Guaranteed Survival Benefit

With ING STAR Life, you do not have to wait for the end of the policy term to receive the full policy benefits since you start getting the sum assured in 10th year (50%) and 11th year (50%).

4. Guaranteed Maturity benefit:

With ING STAR Life, the maturity benefit is paid at the end of policy term and is equal to the sum of all guaranteed additions accumulated over 12 years.

5. Other Benefits::

Short premium contribution term: You need to pay premiums only for 3 years while you enjoy all the benefits in full policy term of 12 years. Policy Loan: You can avail a policy loan after paying the premium for two full years and after completion of 2 policy years as per the prevailing terms applicable to the product. Tax Benefit: You can avail of the tax benefits* on the premium paid and the benefits received as per the prevailing tax laws under Section 80C and Section 10(10D) of the Income Tax Act, 1961. The tax benefits are subject to change as per change in Tax laws from time to time. For specific details please contact your tax consultant before you invest in this policy.

PRODUCT FEATURES

Minimum / Maximum Age at Entry 8 years / 60 years age last birthday Minimum / Maximum Maturity Age 20 Years / 72 years age last birthday Policy Term 12 Years Premium Paying Term (PPT) 3 Years Minimum Annual Premium Rs. 25,000 Minimum Sum Assured (Rs.) Rs. 65,000 Maximum Sum Assured (Rs.) Rs. 50,00,000 (Subject to underwriting) Premium Mode Annual only

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