The benefits of this policy can be considered only for standard and substandard lives Class I and II. It cannot be allowed for people engaged in hazardous occupations. Individuals engaged in dangerous pursuits will be rated against the revised tabular occupational extra rates.

This policy covers the risk for triple the sum assured.

Besides the usual benefits offered by any endowment insurance plan, this policy provides for an additional insurance cover two times 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 thrice the basic sum assured.

For instance, if a person insured for Rs.1,000 under this policy were to die before its maturity, the death claim payable would be Rs.3,000 plus the accrued bonus on Rs.1,000, the basic sum assured. If the policy holder survives the full term of the policy, the payment on maturity would be Rs.1,000 plus the accumulated bonus.

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