Supplementary Covers

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Accident Death & Indemnity Benefit (AIB)

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Accidental Death Benefit (ADB)

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Family Income Benefit (FIB)

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Waiver of Premium (WP)

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Special Waiver of Premium (SWP)

This supplementary cover will provide for waiver of premiums under the policy incase of the life insured's Total and Permanent Disability due to accident or disease which renders him unable to engage in any occupation.

With the help of SWP, the life insured gets relieved of vagaries of paying premiums incase of his or her being incapacitated as a result of accident or disease. SWP is available to lives between 20 and 55 years of ages. SWP can be attached with following plans:

Term Insurance (TI)

In the event of death of the life insured during term of TI supplementary cover, the sum insured will be payable in addition to the benefits payable under the basic policy. Suppose, Mr A, covered under a policy of Rs 1,000,000, also attaches TI supplementary cover with his policy. Incase of his death during term of TI, a sum equal to Rs 1,000,000 will be payable under this supplementary cover. This will be in addition to the benefits payable under main policy.

This supplementary cover is an excellent opportunity for individuals who want to enhance coverage of their policy substantially on payment of a meager amount of premium. TI is available to lives between 18 and 55 years of age. TIR can be attached with following plans:

Guaranteed Insurability (GI)

Under this supplementary cover, State Life gives the policyholder a right to purchase additional life insurance upto specified maximum amounts on specified further dates at standard rates, without evidence of insurability being required at such later dates.

The specific further dates on which additional insurance can be taken are the policy anniversaries of the basic policy nearest the 25th, 28th, 31st, 34th, 37th and 40th birthdays of the life insured. Thus the option dates for various issue ages

Issue Ages No of Option Dates Option Date Ages
10 - 24
25 - 27
28-30
31-33
34-36
37
6
5
4
3
2
1
25, 28, 31, 34, 37, 40
28, 31, 34, 37, 40
31, 34, 37, 40
34, 37, 40
37, 40
40

This supplementary cover is available only to standard lives between 10 and 37 years of ages and who are not engaged in hazardous occupations. Only one GI will be issued on the life of any one person. GI is available only at the time of issue of the basic policy and can not be attached to the policy after its issuance.

Individuals who foresee increase in their insurance needs in the near future can get benefit from this supplementary cover. It saves them from providing any further evidence of insurability incase they desire to enhance coverage under the policy. GI can be attached with following plans:

Refund of Premium Rider (RPR)

RPR provides for refund of premiums paid under the policy in the event of death of the life insured during term of the policy. It is an ideal form of enhancing the life cover under the policy with a modest increase in premium.
This supplementary cover is available to lives between 20 and 60 years of ages. The available term ranges from 10 to 25 years. RPR can be attached with following plans:

Hospital and Surgical Benefits (H&S)

This supplementary cover provides benefits in case of hospitalization of the life insured, in State Life's approved hospitals, as a result of sickness or accident. On payment of double amount of premium specified for H&S, the benefits and their limits will also be doubled.

H&S is available to lives between 18 and 50 years of ages. The available term ranges from 10 to 25 years. RPR can be attached with following plans: