INTRODUCING NEW LIC's E-TERM (UIN: 512N288V01)

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LIC's e-Term is a regular premium non-participating "on-line term assurance policy" which provides financial protection to the insured's family in case of his/her unfortunate demise. This plan will be available through on-line application process only and no intermediaries will be involved.

Under this plan, there are two categories of premium rates namely (1) Aggregate lives & (2) Non-smoker lives. For Sum Assured upto Rs. 49 lacs Aggregate category rates only would apply. For Sum Assured Rs. 50 lacs and above there is an option to choose differential premium rate for Non-smoker category. However, the application of Non-smoker rates shall be based on the findings of the Urinary Cotinine test. In all other cases the Aggregate premium rates shall be applicable.

• Key Features
 
• Key Benefits
 
• Eligibility

Available through Online mode (www.licindia.in) Pure Term plan Differential premium rates for Smoker/Non-Smoker lives Proposal on own life ONLY will be considered

• Key Benefits
 
• Eligibility

Death Benefit		In case of unfortunate death of the Life Assured during the policy term Sum Assured shall be payable.
Maturity Benefit		On survival to the end of the policy term, nothing shall be payable.

• Eligibility

Minimum Sum Assured		Rs. 25,00,000 for Aggregate category Rs. 50,00,000 for Non-smoker category
Maximum Sum Assured		No limit
Minimum age at entry		18 years (completed)
Maximum age at entry		60 years (nearest birthday)
Maximum cover ceasing age		75 years (nearest birthday)
Minimum policy term		10 years
Maximum policy term		35 years
Mode of payment		Premiums are to be paid annually.
Eligible life		Proposal on own life only will be considered. Key Man Insurance (KMI)/ Partnership/ Employer-Employee Cover will not be allowed.

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