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Exide Life Savings and Investment Plans

While choosing an investment plan, ensure you choose one that offers good returns, guaranteed payouts, and suits your risk appetite. With Exide Life Savings and Investment Plans, you can realise your dreams and the dreams of your family members. The savings and investment plans offered by Exide Life Insurance Company Limited are designed to help you grow your money for a better future and improved lifestyle.

Benefits of Exide Life Savings and Investment Plans:

Following are the benefits of choosing Exide Life Savings and Investment Plans:

  • Financial needs: The savings and investment plans offered by Exide Life Insurance are designed to help you meet your family’s short-term and long-term financial needs.
  • Guaranteed income: Pay premiums for a certain time period and receive regular (monthly or annual) guaranteed income for the remaining of the policy term.
  • Multiple investment options: With Exide Life Savings and Investment Plans, you can get tax-free returns, discount for higher premiums, enhanced protection, loyalty benefits, multiple investment funds, and unlimited free switches between investment funds.
  • Life Cover: In the case of unfortunate events, get guaranteed life cover for the chosen policy term in the form of a lump sum amount or Family Income Benefit (FIB).
  • Maturity benefit: At the end of the policy term, you will get the maturity benefit along with the last income payout.
  • Tax benefit: You can get tax benefits on premiums paid under Section 80C and on maturity amounts under Section 10(10D).

List of Savings and Investment Plans Provided by Exide Life Insurance Company Limited:

Exide Life Insurance offers several savings and investment plans:

Exide Life New Fulfilling Life:

This is a non-linked participating life insurance plan, offering protection against unfortunate events, building an inheritance for the future generation, opportunities for regular savings, safe returns, and meeting short-term financial needs.

Benefits and features of Exide Life New Fulfilling Life:

Following are the benefits and features of Exide Life New Fulfilling Life:

  • Survival benefit: Get survival benefits every few years to meet your short-term financial needs.
  • Lifelong Cover: In the case of unfortunate events, get guaranteed death benefit plus accumulated bonuses (vested and terminal bonuses), if any. Bonus represents your share of the profits of Exide Life Insurance’s participating fund.
  • Loan benefit: After the completion of the PPT, you can avail a loan under this plan.
  • Premium discount: Get a premium discount for paying higher premiums.
  • Surrender: This policy can be surrendered if minimum 1 full year’s premium is paid. The surrender benefits will be paid at the end of the 3rd policy year or when the policy is surrendered, whichever is later.
  • Tax benefit: You can get tax benefits on premiums paid under Section 80C, and on survival benefits and maturity proceeds under Section 10(10D).
  • Policy term: Until 85 years of age.
  • Premium Paying Term (PPT): 12, 16, 20, and 24 years.
  • Premium payment frequency: Annual and monthly.
  • Maturity Benefit: Guaranteed Sum Assured plus accumulated bonuses (vested and terminal bonuses), if any.
  • Life Cover: 10 times the annual premium plus accumulated bonuses, 105% of premiums paid or sum assured plus accumulated bonuses.

Exide Life Wealth Maxima:

This is a non-participating Unit Linked Life Insurance Plan, offering 3 variants for you to choose from, Maxima Invest, Maxima Family, and Maxima Child. This plan is designed to help you meet your financial requirements at different stages of your life.

Benefits and features of Exide Life Wealth Maxima:

Following are the benefits and features of Exide Life Wealth Maxima:

  • Maturity Benefit: You can choose to get your maturity benefit on the maturity date in a lump sum amount or opt for settlement payout.
  • Settlement payout option: You can choose to get a part of the maturity amount in lump sum and part in equal monthly, quarterly, half-yearly or annual installments of units over a period of 5 years after the maturity date.
  • Life Cover: Exide Life Wealth Maxima takes care of your short-term financial needs and protects you and your family in the case of unfortunate events.
    • Maxima Invest: Life Cover is higher of Sum Assured, 105% of the premiums paid (including top-up premiums) or fund value.
    • Maxima Family: Life Cover is higher of Sum Assured or 105% of the premiums paid (including top-up premiums) plus fund Value.
    • Maxima Child: Life Cover is higher of Sum Assured or 105% of the premiums paid (including top-up premiums, if any).
  • Loyalty benefit: Exide Life Insurance rewards your loyalty to the company with extra returns in the form of loyalty additions to your fund value.
  • Top-up premium: You can invest more money by paying top-up premiums in the same policy.
  • Fund switching: Depending on the equity market performance, you can decide to switch between funds.
  • Partial withdrawal benefit: After the completion of 5 years, you have the option to make unlimited partial withdrawals to meet your short-term financial needs.
  • Policy term: 10, 15 to 20 years
  • Premium Paying Term: Same as policy term
  • Premium payment frequency: Annual, half-yearly, monthly
  • Basic Sum Assured: For age till 44, the sum assured is 10 times the annualized premium. For age above 44, 7 or 10 times the annualized premium.
  • Additional Sum Assured: For age below 45 years, 1.25 times the top-up premium. For age 45 years and above, 1.1 times the top-up premium.
  • Tax benefit: You can get tax benefits on premiums paid under Section 80C and on maturity proceeds under Section 10(10D).
  • Surrender benefit: If the policy is surrendered after the lock-in period of 5 years, then the fund value will be paid on the surrender date and the policy will be terminated thereafter.

Exide Life Income Advantage Plan:

This is a non-linked participating life insurance plan, offering annual guaranteed income and life insurance cover for full policy term.

Benefits and features of Exide Life Income Advantage Plan:

Following are the benefits and features of Exide Life Income Advantage Plan:

  • Survival Benefit: You can choose how you want to receive the survival benefit during the benefit payout term.
    • Pure Income Benefit: Annual guaranteed income plus Simple Reversionary Bonus plus Special Additional Bonus.
    • Income with Maturity Benefit: Annual guaranteed income plus Simple Reversionary Bonus plus Terminal Bonus.
  • Death Benefit: Upon the demise of the life assured, the family will receive the death benefit which is a combination of the Sum Assured plus Vested Simple Reversionary Bonus plus Terminal Bonus.
  • Policy term: 16, 24 and 30 years
  • Premium Paying Term (PPT): 8, 12 and 15 years
  • Benefits Payout Term: Same as PPT
  • Premium Payment Frequency: Annual, monthly
  • Riders: You can get enhanced protection by adding any of the 3 riders, critical illness rider, accidental death disability and dismemberment benefit rider, and term rider.
  • Tax benefit: You can get tax benefits on premiums paid under Section 80C, maturity amounts under Section 10(10D), and premiums paid towards critical illness rider under Section 80D.
  • Loan benefit: You are eligible for loan facility under this policy.
  • Premium discount: Get premium discount for paying higher premiums under the Exide Life Income Advantage Plan.

Exide Life Star Saver:

This is a non-linked non-participating life insurance plan, offering tax-free maturity benefit and double life cover in the event of an accident. Pay for just 5 years and you get to enjoy Life Cover over full policy term.

Benefits and features of Exide Life Star Saver:

Following are the benefits and features of Exide Life Star Saver:

  • Life Cover: Life Cover provided under this plan is the Sum Assured on death plus Accrued Guaranteed Additions plus Additional Accidental Death Benefit.
  • Guaranteed Maturity Benefit: Maturity Benefit under this policy is the Sum Assured on maturity plus Accrued Guaranteed Additions plus Loyalty Benefit.
  • Policy term: 10, 12 and 15 years
  • Premium Paying Term (PPT): 5 years
  • Basic Sum Assured: Minimum Sum Assured is Rs.76,220 and there is no limit on maximum Sum Assured.
  • Premium Payment Frequency: Annual
  • Riders: You can get enhanced protection by adding any of the 2 riders, critical illness rider and term rider.
  • Tax benefit: You can get tax benefits on premiums paid under Section 80C, maturity amounts under Section 10(10D), and premiums paid towards critical illness rider under Section 80D.
  • Loan benefit: Once the policy has attained Surrender Value after paying 2 full years’ premium, you can avail up to 80% of the Surrender Value as loan amount.

Exide Life Guaranteed Income Insurance Plan:

This is a non-participating insurance plan, offering guaranteed tax-free maturity benefit and continued Life Cover during the income payout period. Pay for the first half and you get to enjoy tax-free income during the second half of the policy term.

Benefits and features of Exide Life Guaranteed Income Insurance Plan:

Following are the benefits and features of Exide Life Guaranteed Income Insurance Plan:

  • Survival Benefit: You will get regular Guaranteed Income monthly or yearly for the remaining of the policy term once your PPT is completed.
  • Maturity Benefit: It is the Sum Assured paid at the end of the policy term along with the last GI payout.
  • Guaranteed Death Benefit: You can choose to get the GDB in the form of a lump sum amount or Family Income Benefit.
  • Policy term: 15, 20, 24 and 30 years
  • Premium Paying Term (PPT): 7, 10, 12, and 15 years
  • Payout Term: 8, 10, 12, and 15 years
  • Basic Sum Assured: Minimum Sum Assured is Rs.90,978 and there is no limit on maximum Sum Assured.
  • Premium Payment Frequency: Annual, half-yearly, quarterly, monthly
  • Riders: You can get enhanced protection by adding any of the 3 riders, critical illness rider, accidental death disability and dismemberment benefit rider, and term rider.
  • Tax benefit: You can get tax benefits on premiums paid under Section 80C, maturity amounts under Section 10(10D), and premiums paid towards critical illness rider under Section 80D.
  • Loan benefit: Once the policy has attained Surrender Value, you can avail up to 80% of the Surrender Value as loan amount.
  • Reduced Paid-up Benefit: The policy is eligible for Reduced Paid-up Benefit if the first 2 full years' premiums are paid for policies with 7 year PPT and 3 full years' premiums are paid for policies with 10, 12, and 15 year PPT.

Exide Life Secured Income Insurance Plans:

There are 2 types of Exide Life Secured Income Insurance Plans:

  • Exide Life Secured Income Insurance Plus: This is a non-linked participating insurance plan, offering life cover with family income benefit and attractive tax-free returns.
  • Exide Life Secured Income Insurance Regular Pay: This is a non-linked participating insurance plan, offering life cover with family income benefit, enhanced protection for health, and attractive tax-free returns.

Benefits and features of Exide Life Secured Income Insurance Plus:

Following are the benefits and features of Exide Life Secured Income Insurance Plus:

  • Death Benefit: In the case of demise of the life assured, the death benefit paid is Guaranteed Death Benefit plus Vested Bonus plus Terminal Bonus.
  • Guaranteed Death Benefit: You can choose to get the GDB in the form of a lump sum amount or Family Income Benefit.
  • Policy term: 10, 12 and 15 years
  • Premium Paying Term (PPT): 5, 7 and 10 years to 20 years
  • Riders: You can get enhanced protection by adding any of the 3 riders, critical illness rider, accidental death disability and dismemberment benefit rider, and term rider.
  • Tax benefit: You can get tax benefits on premiums paid under Section 80C, maturity amounts under Section 10(10D), and premiums paid towards critical illness rider under Section 80D.
  • Loan benefit: You are eligible for loan facility under this policy.
  • Premium discount: Get premium discount for paying higher premiums.

Benefits and features of Exide Life Secured Income Insurance Regular Pay:

Following are the benefits and features of Exide Life Secured Income Insurance Regular Pay:

  • Death Benefit: In the case of demise of the life assured, the death benefit paid is Guaranteed Death Benefit plus Vested Bonus plus Terminal Bonus.
  • Guaranteed Death Benefit: You can choose to get the GDB in the form of a lump sum amount or Family Income Benefit.
  • Maturity Benefit: It is the Sum Assured plus Vested Bonus plus Terminal Bonus. It will not be less than 105% of the premiums paid.
  • Policy term: 15 to 25 years.
  • Premium Paying Term (PPT): Same as policy term.
  • Riders: You can get enhanced protection by adding any of the 3 riders, critical illness rider, accidental death disability and dismemberment benefit rider, and term rider.
  • Tax benefit: You can get tax benefits on premiums paid under Section 80C, maturity amounts under Section 10(10D), and premiums paid towards critical illness rider under Section 80D.
  • Loan benefit: You are eligible for loan facility under this policy.
  • Premium discount: Get premium discount for paying higher premiums.

Exide Life Jeevan Uday:

This is a non-linked participating insurance plan, offering life cover for full policy term and tax-free maturity benefit. This plan is easy to purchase, no medical records needed.

Benefits and features of Exide Life Jeevan Uday:

Following are the benefits and features of Exide Life Jeevan Uday:

  • Maturity Benefit: It is the Sum Assured on Maturity plus Simple Reversionary Bonus plus Terminal Bonus.
  • Life Cover: It is the Sum Assured on Death plus Simple Reversionary Bonus plus Terminal Bonus.
  • Extended Life Cover: If you have paid minimum 1 full year's premium and further premiums are unpaid, full Life Cover under the policy will continue for a period of 1 year from the due date of the first unpaid premium.
  • Policy term: 10, 15 and 20 years
  • Premium Paying Term (PPT): 10 years
  • Premium Payment Frequency: Annual or half-yearly
  • Sum Assured: Minimum Sum Assured on Maturity is Rs.37,734 and minimum Sum Assured on Death is Rs.42,000.
  • Tax benefit: You can get tax benefits on premiums paid under Section 80C and on maturity proceeds under Section 10(10D).
  • Loan benefit: Once the policy has attained Surrender Value after paying 3 full years’ premium and completion of 3 full policy years, you can avail up to 90% of the Surrender Value as loan amount.

Exide Life Wealth Elite:

This is a non-participating Unit Linked Insurance Plan in which the investment risk in investment portfolio is borne by the policyholder. You get a comprehensive life cover and the choice to choose from 7 fund options.

Benefits and features of Exide Life Wealth Elite:

Following are the benefits and features of Exide Life Wealth Elite:

  • Investment options: There are 3 types of investment options to choose from.
    • Self-managed Option: Based on your risk appetite, you can choose from 7 different investment funds that range from 100% debt to 100% equity. The 7 investment funds are Exide Life Secure Fund, Exide Life Preserver Fund, Exide Life Growth Fund, Exide Life Balanced Fund, Exide Life Active Asset Allocation Fund, Exide Life Prime Equity Fund, and Exide Life Midcap Fund.
    • Automatic Asset Rebalancing Strategy: Keeping in mind that your investment objectives might change over time, this plan offers you Automatic Asset Rebalancing Strategy. The equity proportion is reduced as your policy nears maturity so that any downside in the equity market will have minimal impact on your maturity amount.
    • Systematic Transfer Plan: This plan works on the principle of rupee cost averaging method to protect your wealth against market volatilities.
  • Maturity Benefit: It is the Fund Value as on the maturity date. You can opt for lump sum payout or settlement payout.
  • Settlement Payout option: You can choose to receive a part of the maturity amount in lump sum and part in equal monthly, quarterly, half-yearly or annual installments of units over a period of 5 years after the maturity date.
  • Life Cover: Higher of Sum Assured, 105% of the premiums paid or fund value shall be paid to your family in the case of demise of the life assured.
  • Fund switching: Depending on the equity performance market, get the best out of your investment through unlimited fund switching during the policy term.
  • Premium redirection: You can allocate your future premium in different proportion than the existing fund composition. You can make unlimited premium redirections free of charge in a policy year.
  • Partial withdrawal benefit: After the completion of 5 policy years, you can make partial withdrawals for a minimum amount of Rs.5,000 and a maximum amount of 25% of the Fund Value. Partial withdrawal benefits can help you meet your short-term financial needs.
  • Policy term: 10, 15 and 20 years
  • Premium Paying Term (PPT): Regular PPT is same as the policy term and limited PPT is 10 years.
  • Premium Payment Frequency: Annual, half-yearly, monthly
  • Sum Assured: Minimum Sum Assured is 10 times the annualized premium for age up to 44 years and 7 times the annualized premium for age above 44 years. Maximum Sum Assured is 20 times the annualized premium for age up to 44 years and 10 times the annualized premium for age above 44 years.
  • Surrender option: If the policy is surrendered after completion of lock in period (5 years), the Fund Value as on the surrender date will be paid and the policy will be terminated immediately.
  • Tax benefit: You can get tax benefits on premiums paid under Section 80C and on maturity proceeds under Section 10(10D).

Exide Life Assured Gain Plus:

This is a non-linked participating life insurance plan, offering attractive tax-free returns and life cover for full policy term.

Benefits and Features of Exide Life Assured Gain Plus:

Following are the benefits and features of Exide Life Assured Gain Plus:

  • Maturity Benefit: It is the Sum Assured on Maturity plus Guaranteed Terminal Additions plus Simple Reversionary Bonus.
  • Life Cover: It is the Sum Assured on death plus Applicable Terminal Additions plus Vested Bonuses.
  • Policy term: 10, 12 and 15 years
  • Premium Paying Term (PPT): Limited PPT 5 years, Single
  • Premium Payment Frequency: Annual, semi-annual, monthly, single
  • Sum Assured: Minimum Sum Assured for limited PPT of 5 years is Rs.1,93,000 and for single premium is Rs.2,19,000.
  • Tax benefit: You can get tax benefits on premiums paid under Section 80C, maturity amounts under Section 10(10D), and premiums paid towards critical illness rider under Section 80D.
  • Riders: You can get enhanced protection by adding any of the 2 riders, critical illness rider and term rider.
  • Loan benefit: Once the policy has attained Surrender Value after paying 2 full years’ premium and completion of 2 full policy years, you can avail up to 60% of the Surrender Value as loan amount.
  • Premium discount: Get premium discount for paying higher premiums.

Exide Life Prospering Life Plus Plans:

In this plan, the investment risk in investment portfolio is borne by the policyholder. There are 2 types of Exide Life Prospering Life Plus Plans:

  • Exide Life Prospering Life Plus: This is a non-participating Unit Linked Insurance Plan, offering tax-free maturity benefit, loyalty benefit, and guaranteed life cover. You can make unlimited fund switching between 6 investment funds. You can also benefit from Active Asset Allocation Strategy.
  • Exide Life Prospering Life Plus SP: This is a non-participating Unit Linked Insurance Plan, offering guaranteed life cover and loyalty benefit. Pay just once and enjoy benefits for full policy term. You can make unlimited fund switching between 6 investment funds. You can also benefit from Active Asset Allocation Strategy.

Benefits and features of Exide Life Prospering Life Plus:

Following are the benefits and features of Exide Life Prospering Life Plus:

  • Automatic Asset Re-balancing Strategy: You can choose to allocate your money in a pre-decided ratio between our equity oriented fund and debt oriented fund. Realising that your risk appetite may change over time, this strategy reduces your equity proportion as your policy nears maturity. Thus, ensuring that any downside in equity market will have minimum impact on your maturity amount.
  • Investment funds: Based on your risk appetite, you can choose from 6 different investment funds that is a mix of debt and equity investments. The 6 investment funds are Exide Life Secure Fund, Exide Life Preserver Fund, Exide Life Growth Fund, Exide Life Balanced Fund, Exide Life Active Asset Allocation Fund, and Exide Life Prime Equity Fund.
  • Loyalty Benefit: To appreciate your loyalty to the company, you will be awarded a % of the Fund Value on maturity.
  • Fund switching: Depending on the equity performance market, get the best out of your investment through unlimited fund switching during the policy term.
  • Premium redirection: You can allocate your future premium in different proportion than the existing fund composition. You can make unlimited premium redirections free of charge in a policy year.
  • Maturity Benefit: It is the Fund Value as on the maturity date. You can opt for lump sum payout or part lump sum and part in equal installments of units over a period of 5 years after the maturity date.
  • Life Cover: Life Cover: Higher of Sum Assured, 105% of the premiums paid (including top-up premiums) or fund value.
  • Top-up premium: You can invest more money by paying top-up premiums in the same policy.
  • Partial withdrawal benefit: After the completion of 5 years, you have the option to make unlimited partial withdrawals to meet your short-term financial needs.
  • Limited pay option: You can choose to pay for 5 or 10 years while enjoying the benefits of the policy for full policy term.
  • Policy term: 10, 15 and 20 years
  • Premium Paying Term (PPT): 15 years, 10 years or regular
  • Premium Payment Frequency: Annual or monthly
  • Basic Sum Assured: Sum Assured is 10 times the annualized premium for entry age up to 45 years and 7 times the annualized premium for age above 45 years.
  • Additional Sum Assured: Sum Assured is 1.25 times the top-up premium for age below 45 years at top-premium payment and 1.1 times the top-up premium for age above 45 years.
  • Tax benefit: You can get tax benefits on premiums paid under Section 80C and on maturity proceeds under Section 10(10D).
  • Surrender option: If the policy is surrendered after completion of lock in period (5 years), the Fund Value as on the surrender date will be paid and the policy will be terminated immediately.

Benefits and features of Exide Life Prospering Life Plus SP:

Following are the benefits and features of Exide Life Prospering Life Plus SP:

  • Automatic Asset Re-balancing Strategy: You can choose to allocate your money in a pre-decided ratio between our equity oriented fund and debt oriented fund. Realising that your risk appetite may change over time, this strategy reduces your equity proportion as your policy nears maturity. Thus, ensuring that any downside in equity market will have minimum impact on your maturity amount.
  • Investment funds: Based on your risk appetite, you can choose from 6 different investment funds that is a mix of debt and equity investments. The 6 investment funds are Exide Life Secure Fund, Exide Life Preserver Fund, Exide Life Growth Fund, Exide Life Balanced Fund, Exide Life Active Asset Allocation Fund, and Exide Life Prime Equity Fund.
  • Loyalty Benefit: To appreciate your loyalty to the company, you will be awarded a % of the Fund Value on maturity.
  • Fund switching: Depending on the equity performance market, get the best out of your investment through unlimited fund switching during the policy term.
  • Premium redirection: You can allocate your future premium in different proportion than the existing fund composition. You can make unlimited premium redirections free of charge in a policy year.
  • Maturity Benefit: It is the Fund Value as on the maturity date. You can opt for lump sum payout or part lump sum and part in equal installments of units over a period of 5 years after the maturity date.
  • Life Cover: Life Cover: Higher of Sum Assured, 105% of the premiums paid (including top-up premiums) or fund value.
  • Top-up premium: You can invest more money by paying top-up premiums in the same policy.
  • Partial withdrawal benefit: After the completion of 5 years, you have the option to make unlimited partial withdrawals to meet your short-term financial needs.
  • Policy term: 10, 15 to 20 years
  • Premium Paying Term (PPT): Single premium
  • Basic Sum Assured: Sum Assured is 10 times the annualized premium for entry age up to 45 years and 7 times the annualized premium for age above 45 years.
  • Additional Sum Assured: Sum Assured is 1.25 times the top-up premium for age below 45 years at top-premium payment and 1.1 times the top-up premium for age above 45 years.
  • Tax benefit: You can get tax benefits on premiums paid under Section 80C of the Income Tax Act, 1961.
  • Surrender option: If the policy is surrendered after completion of lock in period (5 years), the Fund Value as on the surrender date will be paid and the policy will be terminated immediately.
Plan Name Entry Age Maturity Age Premium
Exide Life New Fulfilling Life Minimum age: 15 years Maximum age:
  • 50 years for PPT of 12, 16 or 20 years
  • 46 years for PPT of 24 years
Maturity Age: 85 years Maximum Premium Cessation Age: 70 years Policy Term: 85 years Minimum Annual Premium:
  • Rs.24,000 for PPT of 12 years
  • Rs.12,000 for PPT of 16, 20 or 24 years
Minimum Monthly Premium:
  • Rs.2,000 for PPT of 12 years
  • Rs.1,000 for PPT of 16, 20 or 24 years
Maximum Premium: No limit
Exide Life Wealth Maxima Maximum Entry Age:
  • Maxima Invest: 0 years
  • Maxima Family & Maxima Child: 18 years
Minimum Entry Age:
  • Maxima Invest: 65 years
  • Maxima Family: 55 years
  • Maxima Child: 50 years
Maxima Invest: 75 years Maxima Family: 70 years Maxima Child: 65 years Minimum Annual Premium: Rs.36,000 Semi-annual Premium: Rs.24,000 Monthly Premium: Rs.4,000 Minimum Top-up Premium: Rs.6,000 Maximum Top-up Premium: Rs.7,80,000
Exide Life Income Advantage Plan Minimum Age at Entry:
  • 9 years for Policy term of 16 years
  • 5 years for Policy term of 24 years
  • 2 years for Policy term of 30 years
Maximum Age at Entry:
  • 55 years for Policy term of 16 years
  • 55 years for Policy term of 24 years
  • 50 years for Policy term of 30 years
Minimum Age at Maturity:
  • 25 years for Policy term of 16 years
  • 29 years for Policy term of 24 years
  • 32 years for Policy term of 30 years
Maximum Age at Maturity:
  • 71 years for Policy term of 16 years
  • 79 years for Policy term of 24 years
  • 80 years for Policy term of 30 years
Minimum Annual Premium: Rs.30,000 for Policy term of 16 years Minimum Monthly Premium: Rs.2,724 for Policy term of 16 years Minimum Annual Premium: Rs.18,000 for Policy term of 24 years Minimum Monthly Premium: Rs.1,635 for Policy term of 24 years Minimum Annual Premium: Rs.12,000 for Policy term of 30 years Minimum Monthly Premium: Rs.1,090 for Policy term of 30 years Maximum Premium: No limit
Exide Life Star Saver For policy term 10 years: 8 years to 60 years For policy term 12 years: 6 years to 60 years For policy term 15 years: 3 years to 60 years 18 years to 75 years Minimum Annual Premium: Rs.24,000 Maximum Premium: No limit
Exide Life Guaranteed Income Insurance Plan Minimum Age at Entry:
  • 11 years for policy term of 15 years
  • 8 years for policy term of 20 years
  • 6 years for policy term of 24 years
  • 3 years for policy term of 30 years
Minimum Age at Entry: 55 years
Minimum Age at Maturity:
  • 26 years for policy term of 15 years
  • 28 years for policy term of 20 years
  • 30 years for policy term of 24 years
  • 33 years for policy term of 30 years
Maximum Age at Maturity:
  • 70 years for policy term of 15 years
  • 75 years for policy term of 20 years
  • 79 years for policy term of 24 years
  • 85 years for policy term of 30 years
Minimum Annualized Premium:
  • Rs.24,000 for policy term of 15 years
  • Rs.18,000 for policy term of 20 years
  • Rs.12,000 for policy term of 24 years
  • Rs.12,000 for policy term of 30 years
Minimum Annualized Premium: No limit
Exide Life Secured Income Insurance Plans - Exide Life Secured Income Insurance Plus 0 years to 50 years 18 years to 70 years Minimum Annual Premium:
  • Rs.18,000 for PPT 10 years
  • Rs.24,000 for PPT 7 years
  • Rs.36,000 for PPT 5 years
Minimum Monthly Premium:
  • Rs.1,500 for PPT 10 years
  • Rs.2,000 for PPT 7 years
  • Rs.3,000 for PPT 5 years
Maximum Premium: No limit
Exide Life Secured Income Insurance Plans - Exide Life Secured Income Insurance Regular Pay 0 years to 55 years 18 years to 70 years Minimum Annual Premium: Rs.12,000 Minimum Monthly Premium: Rs.1,000 Maximum Premium: No limit
Exide Life Jeevan Uday 0 years to 55 years 18 years to 70 years Annual mode: Rs.6,000, Rs.7,000, Rs.8,000, Rs.9,000, Rs.9,600 Half yearly mode: Rs.4,000, Rs.4,800
Exide Life Wealth Elite 0 years to 65 years 75 years Minimum Annual Premium: Rs.2,00,000 Minimum Semi-annual premium: Rs.1,00,000 Minimum Monthly Premium: Rs.20,000
Exide Life Assured Gain Plus Minimum Age at Entry:
  • 3 years for 15 years policy term
  • 6 years for 12 years policy term
  • 8 years for 10 years policy term
Maximum Age at Entry:
  • 60 years for limited PPT of 5 years
  • 65 years for single premium
Minimum Maturity Age: 18 years Maximum Maturity Age: 70 years for limited PPT of 5 years and 80 years for single premium For limited PPT of 5 Years:
  • Minimum Annual Premium is Rs.60,000
  • Minimum Semi-annual Premium is Rs.30,000
  • Minimum Monthly Premium is Rs.5,000
For single premium: Rs.2,40,000 Maximum Premium: No limit
Exide Life Prospering Life Plus 0 years to 55 years 18 years to 75 years For limited PPT of 5 Years:
  • Minimum Yearly Premium is Rs.48,000
  • Minimum Monthly Premium is Rs.5,000
For limited PPT of 10 Years:
  • Minimum Yearly Premium is Rs.36,000
  • Minimum Monthly Premium is Rs.4,000
For limited PPT of 15 Years:
  • Minimum Yearly Premium is Rs.24,000
  • Minimum Monthly Premium is Rs.3,000
Maximum Premium: No limit Top-up Premium: Minimum Rs.6,000 to maximum Rs.7,80,000 per life
Exide Life Prospering Life Plus SP 0 years to 65 years 18 years to 75 years Minimum premium: Rs.96,000 Maximum Premium: No limit Top-up Premium: Minimum Rs.6,000 to maximum Rs.7,80,000 per life

Why one needs Exide Life Savings and Investment Plans?

Exide Life Insurance Company Limited offers 11 types of savings and investment plans that are designed to help protect you and your family in the case of an unfortunate event. In addition to providing life cover, these plans also offer you the opportunity to invest in different funds based on your risk appetite. With these savings and investment plans, you get guaranteed regular income even after retirement to lead a comfortable life during your golden years.

You can meet short-term financial needs with staggered payout and family income benefit options available under certain Exide Life Savings and Investment Plans. You also get tax-free maturity benefits and tax savings on premiums paid under Section 80C and Section 10(10D).