Why Buy

  • Zero Allocation and Zero Admin charge
  • Boost returns with extra allocation* of 1% to 7% on instalment premium
  • Offers unlimited free switches and partial withdrawals
  • Flexibility to invest one-time or systematically to suit your needs
  • Tax Benefits# under Section 80C and Section 10(10D)
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  • Give Your
  • Wishes a boost

Now maximise your wealth with 1% to 7% extra allocation* on your premium and enjoy the benefit of a life cover too!

Ready to invest? Let’s start planning.

  • Wealth Creation

    Save for a dream like buying a house or starting a business.

  • Dream Protect

    Nurture your loved one’s dreams, even when you are not around.

  • Retire Smart

    Save for a happy & hassle-free post-retirement life.

already have a quote? Retrieve it here.
Ready to fulfil your Big Dreams?

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Rs.5L
Rs.10L
Rs.15L
Rs.20L
Rs.30L
Rs.50L
Rs.1Cr
OR
You will need to invest 60,000 to fulfil your Big Dream.
You will be able to accumulate 60,000 and fulfil your Big Dream!

The return depicted above is only for illustrative purpose which is based on your input of expected rate of return. The actual return may vary depending upon the fund performance.

Rs.5L
Rs.10L
Rs.15L
Rs.20L
Rs.30L
Rs.40L
Rs.1Cr
OR
You will need to invest 60,000 to fulfil your Big Dream.
You will be able to accumulate 60,000 and fulfil your Big Dream!

The return depicted above is only for illustrative purpose which is based on your input of expected rate of return. The actual return may vary depending upon the fund performance.

Rs.5L
Rs.10L
Rs.15L
Rs.20L
Rs.30L
Rs.50L
Rs.1Cr
OR

You will need to invest 60,000 to build your desired retirement corpus.

You will be able to accumulate a corpus of 60,000 and say ‘goodbye’ to your retirement worries!

Note: In Retire Smart, you can use systematic partial withdrawal feature to receive the retirement corpus as monthly income.

The return depicted above is only for illustrative purpose which is based on your input of expected rate of return. The actual return may vary depending upon the fund performance.

Features

Boost your returns

You are rewarded with extra allocation* of 1% to 7% on instalment premium

Systematic Partial Withdrawal**

If you have specific financial milestones, this plan allows you to automatically receive money on a monthly basis.

Zero allocation and admin charge

You don’t have to pay fund allocation and administration charges

Steps To Buy

1
Choose from any one of the following plans:
1: Wealth Creation

Save for a dream like buying a house or starting a business etc.

2: Retire Smart

Save for a happy & hassle-free post-retirement life.

3.Dream Protect

Nurture your loved one’s dreams, even when you are not around.

2
Decide the following:
  • Investment amount
  • Premium payment term
  • Premium payment frequency
  • Policy term
3
Choose your fund allocation strategy:
  1. Self-invest rule
  2. Auto-invest rule
4
Fill in the application form, pay your premiums and submit all documents
1
2
3
4

How it works

Eligibility

  • Wealth Creation
  • Retire Smart
  • Dream Protect
Age (years)

Min Entry Age

0

Max Entry Age

55

Min Maturity Age

18

Max Maturity Age

75
Premium
Minimum Premium( in Rs)
Policy Term( in Years) 5 to 9 10 & above
Single 1,00,000 1,00,000
Annual 60,000 18,000
Semi - Annual 30,000 9,000
Quarterly 15,000 4500
Monthly 5,000 1,500
Maximum Premium (in Rs.): No Limit ( Subject to Underwriting)
Sum Assured
Regular Pay 10X Annualized Premium
Limited Pay 10X Annualized Premium
Single Pay 1.25 X Single Premium
Policy Term

5 to 20 years

Premium Payment Term
Regular Pay Equal To Policy Term
Limited Pay 5 to 19 years
Single Pay One Time Premium Payment
Payment Option

Single Pay, Yearly, Half Yearly, Quarterly, Monthly
Age (years)

Min Entry Age

18

Max Entry Age

55

Min Maturity Age

100

Max Maturity Age

100
Premium
Minimum Premium( in Rs)
Policy Term( in Years) 5 to 9 10 & above
Annual 60,000 18,000
Semi - Annual 30,000 9,000
Monthly 5,000 1,500
Quarterly 15,000 4500
Maximum Premium (in Rs.): No Limit ( Subject to Underwriting)
Sum Assured
Regular Pay NA
Limited Pay For Age at entry < 45 years :
Sum Assured = Max{10 X Annualized Premium, 0.5 X (70- Age at entry) X Annualized Premium}

For Age at entry >= 45 years:
Sum Assured = Max{10 X Annualized Premium, 0.25 X (70- Age at entry) X Annualized Premium}
Policy Term

100 – Age at entry( 45 to 82 years)

Premium Payment Term
Regular Pay NA
Limited Pay 10 years to 30 years
Payment Option

Yearly, Half Yearly, Quarterly, Monthly
Age (years)

Min Entry Age

18

Max Entry Age

50

Min Maturity Age

23

Max Maturity Age

60
Premium
Minimum Premium( in Rs)
Policy Term( in Years) 5 to 9 10 & above
Annual 60,000 18,000
Semi - Annual 30,000 9,000
Quarterly 15,000 4500
Monthly 5,000 1,500
Maximum Premium (in Rs.): No Limit (subject to Underwriting)
Sum Assured
Regular Pay 10 X Annualized Premium
Limited Pay NA
Policy Term

5 to 20 years

Premium Payment Term
Regular Pay Equal to Policy Term
Limited Pay NA
Payment Option

Yearly, Half Yearly, Quarterly, Monthly

TESTIMONIALS

Souvik Banerjee

“I look at Future Generali Insurance plan as the perfect gift for my loved ones. I gifted myself the protection on New Year's and for my wife on her birthday!”

Deepak Rana

“It's a big step up personally, being a father. You constantly are on your toes, on how to deliver the best to the newest member of your family. Well I had taken Future Generali Insurance plan previously and when I came to know that one of the plan is available for my 4-month old son Yuvraj, never hesitated to ring fence against any possible downside. I plan to extend Future Generali products for my other immediate family members in the near term.”

Amit Sarathe

“I have protected myself and wife through Future Generali Insurance Plan. It's better to act on time than to regret later.”

FAQs

1. Who can be covered under Future Generali Big Dreams Plan?

Individuals, Residents and Non Resident Indians, PIO & Foreigners (subject to Underwriting) can be covered under Future Generali Big Dreams Plan.

2. Can policyholder change the option during the policy term?

No, the Plan option needs to be chosen at the outset of the Policy.

Once chosen, the Policyholder shall not be allowed to change the option during the policy term.

3. Can I change my premium payment mode during the premium payment term? In there any condition for changing the premium payment mode?

Yes, Premium payment mode can be changed from Annual/ Half-yearly/ Quarterly/Monthly to Annual/ Half-yearly/ Quarterly/Monthly subject to minimum eligibility criteria

Premium payment mode change is not applicable for Single premium

The alteration of premium mode will be allowed subject to minimum instalment premium conditions

4. Which riders can be added to Future Generali Big Dreams Plan?

Riders that can be added with the policy are:-

  1. Future Generali Linked Accidental Death Rider (UIN: 133A025V01)
  2. Future Generali Linked Accidental Total & Permanent Disability Rider (UIN:133A026V01)

5. What is extra allocation and how it works?

Extra allocation is the feature under which company adds % of each instalment premium to the policy fund.

The extra allocation amount to be added is equal to extra allocation rate applicable for the policy year multiplied by each Instalment Premium paid in that year within the grace period. The amount of extra allocation depends upon the Annualized Premium and policy year of your policy.

The percentage of extra allocation vary from 1% to 7% on your each instalment premium (for policies with Annualized Premium >= ₹ 60,000) if the due premium is paid within the Grace Period. This ensures you reach your financial goals faster.

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Copyright © 2021. Future Generali India Life Insurance Company Ltd. All Rights Reserved.

The Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender/withdraw the monies invested in Linked Insurance Products completely or partially till the end of the fifth year.

In this policy, the investment risk in the investment portfolio is borne by the policyholder. *The amount of extra allocation depends upon the Annualised Premium and the policy year. The extra allocation applicable to the respective Instalment Premium shall be added only when due premiums are paid within the Grace Period and the policy is in force. **Systematic Partial Withdrawals are allowed under Option 1: Wealth Creation and Option 2: Retire Smart only. You can opt for systematic partial withdrawals only after the completion of premium payment term.. #Tax benefits are subject to fulfilment of prescribed conditions under the Section 80C and Section 10(10D) of the Income Tax Act. Tax benefits are subject to change from time to time.

Riders are not mandatory and are available for an additional cost- Future Generali Linked Accidental Benefit Rider (UIN: 133A025V01) and Future Generali Linked Accidental Total & Permanent Disability Rider (UIN: 133A026V01)

Unit Linked Insurance Products are different from the traditional insurance products and are subject to the risk factors. The Premium paid in Unit Linked Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the Policyholder/Insured is responsible for his/her decisions. Future Generali India Life Insurance Company Limited is only the name of the Insurance Company and Future Generali Big Dreams Plan is only the name of the Unit Linked Life Insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns. Please know the associated risks and the applicable charges, from your Insurance Agent or the intermediary or policy document of the Company. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. Past performance is not indicative of future performance, which may be different.

For more details on risk factors, terms and conditions, please refer to the product brochure and consult your advisor or visit our website before concluding a sale. Future Group's, Generali Group's and IITL Group's liability is restricted to the extent of their shareholding in Future Generali India Life Insurance Company Limited. Future Generali India Life Insurance Company Limited (IRDAI Registration no. 133) (CIN No.: U66010MH2006PLC165288). Regd. & Corporate Office Address: Future Generali India Life Insurance Co. Ltd, Unit 801 and 802, 8th floor, Tower C, Embassy 247 Park, L.B.S. Marg, Vikhroli (W), Mumbai – 400083. Tel.: 91-22-4097 6666 Fax: 91-22-4097 6600. | Email: care@futuregenerali.in | Call us at 1800 572 9773 | Website: life.futuregenerali.in | UIN: 133L081V02

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS.
IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

Wealth Creation

Choose this option if your need is to save for a specific milestone e.g. buying a house, starting your own business, your executive education or for any other important life goal.

Dream Protect

Choose this option to build a corpus for your loved ones, a fund for your child’s higher education or a fund for your spouse/ parents.

Retire Smart

Choose this option to build a retirement corpus and get monthly income.