Click 2 Achieve
UIN: 101N186V05
A Non-Linked, Non-Participating, Individual Savings Life Insurance Plan that offers flexibility to customize the benefits
Life Insurance Cover for financial security of your family
 Guaranteed1 Benefits |  Flexibility2 in choice of benefits |  Increasing upto 10% p.a3 |
How Click 2 Achieve works to your advantage?
Enjoy a Guaranteed1 Immediate Income with the freedom to select the duration of your choice according to specific requirements.
Tailor your plan with customizable options for Lump Sum, periodic income, or money-back features.
- Choose the desired Death Benefit Multiple that suits your preferences.
Decide the amount of income you wish to receive, perfectly tailored to your needs.
Opt for a Guaranteed1 income that remains consistent throughout the income period or escalates.
Provide peace of mind concerning your child’s future, with a built-in premium waiver in case of occurrences like death, critical illness, and total permanent disability.
Acknowledge and reward exceptional achievements with the Outstanding Achievement Award.
Your benefits can vary based on the Plan Option
You can choose any of the two options at inception. Plan option once selected shall remain the same for the duration of the policy:
Dream Achiever
It offers versatile and comprehensive saving solution, meticulously crafted to effortlessly align with your financial aspirations.
Death Benefit:
In case of death of Life Assured during the policy term, the Death Benefit shall be payable to the Nominee.
Death Benefit is highest of:
Sum Assured on Death
105% of Total Premium(s) Paid
Surrender Value on date of death
Where, Sum Assured on Death shall be minimum of 5 times Annualized Premium.
Upon the payment of the death benefit, the policy terminates and no further benefits are payable
Survival Benefit:
The amount of survival benefit in each year of benefit payment will be as chosen by the Policyholder at inception.
Maturity Benefit:
On Maturity, Sum Assured on Maturity shall be payable, as chosen by the Policyholder at policy inception. Additionally, the policyholder can choose to receive an income benefit for the duration of income term, which starts on policy maturity date. The income term and amount of income benefit in each year of benefit payment will be as chosen by the policyholder at inception.
On death of the policyholder during the Income Term, the Nominee/Beneficiary would continue receiving the income benefit till the end of income term
Flexibility to choose inbuilt benefits under this option: To avail below options, additional premium shall be payable.
Waiver of Premium on Death (WOP Death)
If this is selected, all future Premium(s) payable under the plan will be waived, on death of the Proposer. The contract shall continue and all benefits shall be available as applicable under the policy.
WOP Death can be chosen only at policy inception. Once chosen this cannot be opted out of.
Waiver of Premium on CI (WOP CI)
If this is selected, all future premiums payable under the plan will be waived, if the proposer is diagnosed with any of the covered critical illnesses. The contract shall continue and all benefits shall be available as applicable under the policy
WOP CI can be chosen only at policy inception. Once chosen this cannot be opted out of.
Waiver of Premium on Total and Permanent Disability (WOP TPD)
If this is selected, all future premiums payable under the plan will be waived, in case of occurrence of total and permanent disability of the proposer. The contract shall continue and all benefits shall be available as applicable under the policy.
WOP TPD can be chosen only at policy inception. Once chosen this cannot be opted out of.
Smart Student
It is designed to provide flexibility to devise a tailored strategy that guarantees your children aspirations materialize into reality.
Death Benefit:
In case of death of Life Assured during the policy term, the Death Benefit shall be payable to the Nominee/ Beneficiary.
Death Benefit is the highest of:
Sum Assured on Death
105% of Total Premium(s) Paid
Surrender Value on date of death
Where, Sum Assured on Death shall be 10 times Annualized Premium.
Upon the payment of the death benefit, the policy terminates and no further benefits are payable.
Survival Benefit:
Survival benefit can start in the Policy Year in which the Life Assured is aged either 16 years or 18 years, as chosen by the Policyholder at inception. Survival benefit is payable in the last 3, 4 or 5 policy years, as chosen by the policyholder at inception. The last instalment of survival benefit (as described above) is payable on maturity. There is no additional Maturity benefit payable.
Other inbuilt benefits under this option:
Outstanding Achievement Award
An amount equal to 2 times Annualized Premium will be paid if the child (Life Assured) achieves one of the following:
Admission in one of the top 100 ranked universities of the world or the top 10 ranked universities of India#.
Qualifying for Olympics, Paralympics or Winter Olympics in any sport.
Gold, Silver or Bronze medal in Asian Games, Commonwealth Games, or the world championship of any sport under one of the recognised National Sports Federations in India.
Gold, Silver or Bronze medal in Delphic Games in any art category.
The following additional conditions apply for Outstanding Achievement Award:
The benefit can be claimed only once during the policy term.
Waiver of Premium on Death (WOP Death)
All future Premium(s) payable under the plan will be waived, on death of the Proposer. The contract shall continue and all benefits shall be available as applicable under the policy.
Waiver of Premium on CI (WOP CI)
All future premiums payable under the plan will be waived, if the proposer is diagnosed with any of the covered critical illnesses. The contract shall continue and all benefits shall be available as applicable under the policy.
Waiver of Premium on Total and Permanent Disability (WOP TPD)
All future premiums payable under the plan will be waived, in case of occurrence of total and permanent disability of the proposer. The contract shall continue and all benefits shall be available as applicable under the policy.
Disclaimer
# University rankings shall be as published by a recognised publisher of university rankings. Currently this is the QS World University Rankings.
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Disclaimer
1. Provided all due premiums have been paid and the policy in force
2. Flexibility to choose Death Benefit, Premium Payment Term, Policy Term, Benefit Structure as per structure chosen by customer
3. 1 to 10% Simple Interest per annum, depending upon the increasing income percentage chosen. Applicable for Early income and income structure