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Your perfect solution to Insurance and Savings combined into one perfect package. The plan allows you to make monthly deposits that guarantee you significant insurance coverage and also attractive returns as terminal benefits. The smart savings plan accrues attractive bonuses every year which multiplies your savings and allows you to achieve your long-term savings goals.

Benefit of the Plan

  • Upon maturity of the insurance plan, the policyholder will get survival benefit which includes the entire sum assured along with the earned bonus/profit.
  • If the policyholder dies while the plan is in force before the expiry of the insurance plan, then the full sum assured plus the earned [till the date of death] bonus/profit shall be paid to the nominee of the policyholder.
  • The policy achieves paid-up status after paying at least 2 [Two] years of premium, after that the policy may be converted to a reduced Sum Assured upon request of the policyholder. Death during paid-up status, paid-up sum assured plus bonus shall be paid to the nominee of the policyholder. The Bonus will accrue up to the end of the immediate previous financial year till when the policy was in force.
  • Surrender Value and Loan Benefit: Upon payment of at least 2 [Two] years of premium, a policy achieves Surrender Value. There is option for Policyholder to avail Policy Loan up to a maximum of 90% of the Surrender Value.
  • a. Hospitalization Benefits upto 5 [Five] Lac for policyholder and every family member [Spouse and Child]
    b. Critical Illness Coverage: 18 Critical Illness Coverage for self upto 10 [Ten] Lac
  • Income Tax Rebate Benefit: 15% tax rebate benefit on instalments paid every year.
  • Insurance claim money is completely tax free.

Plan Features, Terms and Conditions

  • Insurance Plan Term: 5 years to 52 years
  • Sum Assured: Any amount of sum assured starting with minimum of BDT 1 [One] Lac
  • Age of Insured:
    Minimum Age: 18 years
    Maximum Age: 60 years
  • Mode of premium payment: Annually, Semi-annually and Quarterly and Monthly.
  • Allied Insurances:
    Health Insurance [HI],
    Critical Illness Insurance [CI],
    PDAB: Accidental Death and Dismemberment Insurance,
    DIAB: Double Accidental Death Insurance
  • Eligibility of Insured:
    Educational Qualification: Minimum Secondary Passed
    Income: Must have own, valid and regular income

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