Term Insurance Scheme

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What need does it fulfill?

http://onlinerx365.com/cialis_daily_tadalafil_generic.html|generic Cialis Daily online By promoting a sense of financial security amongst the employees it contributes to improving the working environment for the employer resulting in higher productivity.

In most cases the employer is legally obliged to provide insurance cover to his employees. This plan helps the employer to fulfill this requirement.

Premiums are tax-deductible for the employer. Total premium under group term insurance is lower as compared to sum of premium of all policies if issued individually to each life, due to savings in expenses.

The Benefits Of Plan

http://onlinerx365.com/kamagra_generic.html|purchase Kamagra online However, if in any three-year period State Life earns a net profit on any policy, then some share in the profit is passed on to the policyholder, depending upon the total number of members in the scheme. This share can go up to 90% in case of large sized schemes.

What riders can be added?

1.PTD (Accident) Rider

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2.A.D.B. Rider


3.Natural Disability Rider

http://onlinerx365.com/Lisinopril.html|http://onlinerx365.com/Lisinopril.html Under this Rider if an, insured member is rendered incapable of pursuing any occupation or vocation for gainful employment due to permanent disability caused by disease or sickness then he is entitled to the sum assured as benefit.

4 Critical Illness Rider

http://onlinerx365.com/wellbutrin_generic.html|http://onlinerx365.com/wellbutrin_generic.html If an employee contracts any of the following critical illnesses while insured under this rider then he is entitled to the rider sum assured as benefit. Covered critical illnesses include.

  • Heart attack
  • Coronary Artery by-pass surgery
  • Stroke
  • Cancer
  • Kidney Failure
  • Major organ transplant such as heart, kidney or liver


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