Jeevan Shiromani plan is a non-linked, with-profits, limited premium payment money back life insurance plan especially designed for targeted segment of High Net-worth Individuals.


Premium Payment Mode :  Yearly, Halfly, Quarterly, Monthly(ECS)

Term/Ppt : 14/10, 16/12, 18/14 and 20/16 Years

Minimum Entry Age : 18 Years completed

Maximum Entry Age :

55 Years (Nearer Birthday) for Term 14

51 Years (Nearer Birthday) for Term 16

48 Years (Nearer Birthday) for Term 18

45 Years (Nearer Birthday) for Term 20


Maximum Maturity Age :

69 Years (Nearer Birthday) for term 14

67 Years (Nearer Birthday) for term 16

66 Years (Nearer Birthday) for term 18

65 Years (Nearer Birthday) for term 20


Minimum Sum Assured : Rs 1 crore (Multiple of 5 lakhs thereafter)

Maximum Sum Assured : No Limit


Guaranteed Addition :

Rs 50/- per 1000 SA for 1st 5 years

Rs 55/- per 1000 SA for remaining PPT


Policy Benefits :

On Death :

Death during 5 yrs : SA on Death + GA

Death after 5 yrs : SA on Death + GA + LA

SA on Death : 125% of BSA or 7 times AP or 105% of Premiums Paid


Survival Benefits :

For 14 yrs policy : 30% of BSA in 10th and 12th year

For 16 yrs policy : 35% in 12th and 14th year

For 18 yrs policy : 40% in 14th and 16th year

For 20 yrs policy : 45% in 16th and 18th year

Maturity time : Remaining SA with GA + LA


Inbuilt Critical Illness Benefit:

10% of BSA on diagnosis of 15 Critical diseases + Premium is deferred for 2 Years w/o interest.


Surrendered Value :

The Policy can be surrendered at any time during the policy term provided atleast 1 full years premiums have been paid.


Loan :

Loan Facility is available under this plan, after payment of premiums for at least 1 full years.