Introduction: A unique Life Insurance bond that helps you, the NRI living abroad, build a bridge between you and your dear ones back in India. Key Features: Guaranteed 5% annual returns(Simple) on your investment with benefit of Single Premium payment. Savings-cum-Protection plan for two terms of 5 or 10 years. Optional Critical Illness cover against six major ailments like heart attack, cancer etc. Facility of repatriation at prevailing exchange rates. Optional life insurance cover for dependents upto Rs.10 lakhs with return of premium. 15 days look period. Product type: Setubandhan - A traditional Investment - cum - Life Insurance opportunity. How does it work? Setubandhan is an insurance bond for subscription by NRIs as well as by domestic residents in India. It is a life insurance policy that helps to build a bridge between you as the NRI living abroad and your dear ones back home in India. Benefits: Base Policy for NRIs : Guaranteed 5% annual additions(Simple) on Sum Assured with benefit of Single Premium payment In the event of death, the Sum Assured as increased by the annual addition on the date of death will become payable. Upon survival, the Sum Assured with total additions during the period will be payable. Rider benefits for NRIs: Critical illness cover (Dhanwantari-Supreme), subject to maximum of Rs.5 lakhs. Premium payable annually, and the rate will be valid for maximum 5 years, subject to review thereafter for 10-year Plan. Optional Life Cover for Dependant: Term insurance cover for a dependant living in India, subject to a minimum sum assured of Rs. 3 lakhs and maximum Rs. 10 Lakhs. Premium payable annually. `Dependant’ will mean spouse, and parents not above the age of 55 at the time of entry. Term insurance premium will be refundable at the end of the term upon survival of the life covered (Swadhan). Full refund of premium for a 10-year term and 50% for a 5-year term. Critical illness cover for the dependant, subject to the maximum of Rs.5 lakhs. Premium payable annually. Premium Modes : It is a single premium product. Tax Benefits Tax benefit as per section 80C and 10(10D) of Income Tax Act. Who can buy this product? Age Minimum entry age 18 years Minimum entry age 60years Cover available up to maximum 70 years. Riders available No riders are available. Surrender Facility No surrender benefit during the first year. 90% of basic premium paid for surrender during 2nd and 3rd year. 95% of basic premium paid for surrender from the 4th year. No guaranteed addition will be payable for policies surrendered under the 5-year Plan. In respect of policies with 10-year term, the guaranteed addition to the extent of 50% will become payable for policies surrendered between 6th and 7th years, and 75% in respect of policies surrendered from the 8th year. Loan facility available from Branches of SBI and Associate Banks based on the surrender value of the policy. For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding a sale.

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