The benefits of this policy are considered normally for standard and substandard lives Class I and II. It cannot be allowed for people engaged in hazardous occupations. Female lives under Category I & II allowed. Non-medical special is allowed only if the Sum Assured does not exceed Rs.1,00,000/-

Besides the usual benefits offered by any endowment insurance plan, this policy provides for an additional insurance cover equal to the sum assured in the event of a policy holder's death during the term of the policy. In other words, the death claim in the case of this policy is twice the basic sum assured. 

The survival claim, on the other hand, is the basic sum assured, plus the accrued bonuses. Bonus is, similarly, calculated only on the basic sum assured at rates applicable to endowment policies.

For instance, if a person insured for Rs.10,000 under this policy were to die before its maturity, the death claim payable would be Rs.20,000 plus the accrued bonus on Rs.10,000, the basic sum assured. If the policy holder survives the full term of the policy, the payment on maturity would be Rs.10,000 plus the accumulated bonus.

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