Effeciencey

SMART Assure offers the customer a choice of allocating up to 100% of premium paid beyond specified premium bracket. As the premium amount goes up, the allocation charges keep decreasing with no allocation charges levied on premiums upward of Rs. 3 lakhs. This strengthens the value proposition of the plan incentivising the customer to move to higher investments and get better returns.

Loyalty units on maturity- The plan allocates guaranteed Persistency Units to the customer s Fund Value at maturity. The persistency units will be equal to a percentage of fund value at maturity.which increases with the term of the plan and thus promoting long-term saving behaviour.