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Future Generali India Life Insurance
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Future Generali Life Insurance Company Limited is India’s established life insurance company. The company is established by way of a joint venture between three leading groups: Future Group – a leading retail company in India, Generali Group – a global insurance group, and Industrial Investment Trust Limited – a leading investment company. The company is incorporated with a mission to protect the lives of people and provide an opportunity to enhance their lives. The company is operational through 136 branches in India. The company’s main focus is to provide simplified insurance solutions at an affordable rate. The aim is to deliver top-notch insurance service and to become the first choice of Indian customers.
Top Future Generali Life Insurance Plans (2020)
Future Generali Life Insurance Company provides a complete range of insurance products designed to protect and safeguard people’s lives. All the products are designed by keeping in mind the insurance and financial needs of customers. The insurance plans offer insurance coverage and financial security to you and your loved ones. Additionally, the company aims to provide insurance solutions at an affordable premium amount thereby making them relevant and accessible to a wider customer base. The following are the various types of life insurance plans offered by Future Generali Life Insurance Company under different insurance categories:
Future Generali Life Term Insurance Plans
Term insurance plans are protection plans that are designed to cover the risk of death. A term insurance plan offers a financial security net and protection to your loved ones in the event of your untimely death. A term insurance plan is designed to extend the benefit i.e., the sum assured to the nominee in the event of the death of the insured. A pure term plan only offers the death benefit, however, there are few term plans that payback the invested premium at the end of the policy tenure. This return of premium term insurance plans returns the premium amount in the event of the survival of the insured till the end of the policy term. Thus, a term insurance plan is designed to offer benefits like insurance coverage, financial security to the family, and in some cases the return of premium at the time of maturity. Additionally, to widen the insurance coverage and to make the term insurance plan more robust the insured can add riders. Adding riders to the base plan enhances your insurance coverage. The following are the various term insurance plans offered by Future Generali Life Insurance Company.
Term Insurance Plans Offered by Future Generali Life Insurance -
| Product Name | Product Description |
|---|---|
| Future Generali Flexi Online Term Plan | This is a non-market-linked and non-participating term insurance plan that offers to cover the risk of death. Under this plan, the insured has the flexibility to choose coverage options depending upon their financial needs and goals. The plan offers 3 coverage options namely Basic Life Cover (under this lump-sum death benefit is paid to the nominee), Income Protection (Under this option the nominee can either get fixed income protection by way of receiving a monthly amount or increasing income protection wherein the monthly amount increases by 10% every year), or personalise your plan (either opt Basic Cover + Fixed Income Protection or Basic Cover + Increasing Income Protection). The plan offers longer insurance coverage i.e., till the age of 75 years. This is an online term insurance plan i.e.; it can be purchased via an online channel. Other benefits include the death benefit paid to the nominee in the event of the death of the insured while there are no maturity benefits available under the plan. |
| Future Generali Care Plus | Under this plan, the insured can avail higher sum assured at a lower premium amount. The sum assured depends on the option opted by the insured. Under Classic option insurance coverage up to INR 24,99,999 is available while under Premier Option insurance coverage above INR 25,00,000 and above is available. This is a pure protection plan i.e., in the event of the death of the insured the nominee is paid the death benefit and the policy contract comes to an end. No Maturity Benefit is available under this plan. |
| Future Generali Jan Suraksha | This is a single premium term insurance plan. The main aim of this plan is to offer insurance coverage at an affordable premium thereby making it accessible to people. The plan comes with an 8-year policy term and insurance coverage is available for the age group of 18 years to 50 years. The plan pays the death benefit to the nominee in the event of the death of the insured. Additionally, Surrender Benefit is also available under this plan. |
| Future Generali Express Term Insurance Plan | This is a comprehensive term insurance cover designed to protect against unpredictable circumstances. The plan offers insurance coverage for a longer tenure that too at an affordable premium amount. Insured has the flexibility to customise and choose the plan as per individual requirements. The plan comes in 4 cover options namely: Life Cover Option (this is a pure term cover wherein only the death benefit is paid), Extra Life Cover Option (Death Benefit plus additional death benefit is paid in the event of accidental death of the insured), Life plus Health Cover Option (Under this option basic life cover plus the additional coverage is provided in the event of diagnosis of pre-listed 34 Critical Illnesses), and All in One Cover Option ( under this option basic insurance cover, the additional sum assured in the event of death due to accident, plus Critical Illness Benefit is offered). The plan does not offer maturity benefits. |
| Future Generali Term Plan with Return of Premium | This is a term plan that offers death benefit in the event of the death of the insured while in the event of survival of the insured it assures a return of the premium paid. Under this plan, the insured has an option to enhance the cover by adding a rider to the base plan. |
Future Generali Life Endowment/Savings Plan
Savings plans are also called Endowment plans designed to provide more than just risk cover. The endowment plans designed by Future Generali Life Insurance Company offer insurance coverage, fixed income return, financial security, and tax benefits. The savings plan is of two types namely traditional plans that offer guaranteed bonuses at the time of policy maturity date and guaranteed plans that help you achieve financial goals.
Endowment/Savings Plans Offered by Future Generali Life Insurance -
| Product Name | Product Description |
|---|---|
| Future Generali Triple Anand Advantage | This is a traditional life insurance plan designed to offer the money-back feature to the insured. The plan offers unique benefits to the insured like:
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| Future Generali New Assure Plus | This is a traditional savings plan that offers savings and insurance cover to the insured. The plan is best suited for individuals who are looking for financial protection along with savings opportunities. The plan offers flexibility in terms of Policy Tenure and Premium Paying Term i.e., both the terms can be opted to depend upon your financial goals. In the event of Policy Maturity, the insured shall receive all the paid premiums. In the event of the death during the policy tenure, the nominee shall receive the death benefit in a lump sum or the nominee has an option to avail lump sum death benefit with maturity pay-out wherein Lump Sum payout will be given at the time of the death while the maturity pay-out will be paid at the time of Maturity of the policy. Thus, under this plan the policy continues even after the death of the insured, however, no further premiums are payable after the death of the insured. |
| Future Generali New Assured Wealth Plan | This is a non-market-linked, Non-Participating, Savings life insurance plan that offers financial security and growth options both at the same time. The plan offers 2 product options to ensure your financial growth and security are achieved. You have the flexibility to choose any one of the two options at the time of policy inception. From the 8th Policy year, you receive the added benefit of Guaranteed Additions till the end of the policy tenure. You also have the flexibility to choose the policy term and premium paying term as per your financial needs and goals. The tax benefit is also available under this plan. This plan can be purchased up to the age of 60 years (under option 1) |
| Future Generali New Assured Wealth Plan (POS Variant) | This plan offers similar benefits to the above mentioned New Assured Wealth Plan. However, a minor difference between both the plans is that this plan does not offer 2 product options and this plan can be purchased up to the age of 53 years without undergoing any medical test or examination. |
| Future Generali Jan Suraksha Plus | This is a life insurance plan specifically designed for rural customers. The plan offers savings cum insurance coverage. Maturity Benefit and Death Benefit is given under the plan. In the event of policy maturity, the insured is paid the amount more than the premium amount paid. While in the event of the death benefit, the nominee receives 5 times the single premium as the death benefit. This is a single premium plan. |
| Future Generali Big Income Multiplier | This is a non-market-linked, non-participating life insurance plan that offers insurance protection along with guaranteed income. The policyholder has an option to choose a limited premium payment mode. The insured has the flexibility to choose the life insurance plan option between the Annual Income option and Monthly Income Option. There is a POS variant of the Big Income Multiplier plan wherein the insurance coverage is offered without any medical examination while other benefits are similar. |
| Future Generali Assured Income Plan | This is a non-market-linked guaranteed income plan that offers unique benefits like insurance coverage and savings opportunities. The plan offers guaranteed income to the insured wherein you are required to pay for either 11 years or 15 years and receive guaranteed pay-out for the next 11 years or 15 years. Additional Income is paid along with the last pay-out. The death benefit is paid to the nominee depending upon the age of the insured and the policy tenure opted. Tax Benefit is also extended under this policy. |
| Future Generali Assured Money Back Plan | This is a traditional money back plan that offers the following unique benefits:
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Future Generali Life Unit Linked Insurance Plan
Unit-linked Insurance plans or ULIPs are insurance plans that offer the dual benefit of life cover along with wealth creation opportunities. With the help of a ULIP plan, you can cover the risk of premature death thereby securing the financial future of your loved ones in your absence. Additionally, a ULIP plan offers you an investment opportunity wherein you can invest your premium in various funds and earn depending upon the performance of the fund and market conditions. The funds can be selected depending upon the risk appetite of the investor. Thus, a ULIP plan offers comprehensive coverage and investment opportunities to the investor.
Unit-linked Insurance Plans offered by Future Generali Life Insurance are as follows:
| Product Name | Product Description |
|---|---|
| Future Generali Big Dreams Plan | This is a unit-linked life insurance plan that offers insurance coverage along with wealth creation opportunities. The plan comes with 3 variants namely Wealth Creation, Retire Smart, and Dream Protect. Insured can choose anyone from the above three mentioned options to boost their savings and plan for their important milestones. The wealth Creation option is best suited for individuals who are looking for savings tools to create a pool of corpus for important life goals like buying a house, higher education, etc. Retire Smart is used for creating a corpus that will provide financial independence post-retirement. Dream Protect is best suited for individuals who want an investment instrument to save for important goals of life like a child’s higher education, safeguarding the financial future of your loved ones when you are no more around. |
| Future Generali Dhan Vridhi | This is a unit-linked, non-participating individual life insurance plan. Maturity Benefit is paid to the insured at the time of policy maturity date. The maturity benefit amount is equivalent to the fund value. While in the event of the death of the insured, the nominee is paid the death benefit. The plan also allows facilities like partial withdrawal of funds, fund switching to maximise savings to the insured. |
| Future Generali Wealth Protect Plan | This plan provides comprehensive insurance protection to the insured. Guaranteed loyalty additions are paid depending upon the premium amount paid in the 1st policy year. The plan offers 7 fund options, insured can choose and opt for the fund of their choice to invest their premium amount depending upon their risk appetite. The plan also offers unique facilities like fund switching, the sum assured multiplier, flexibility to choose policy tenure, premium paying term, Surrender Benefit, etc. |
| Future Generali Bima Advantage Plus | This is a unique ULIP policy that offers a long-term investment opportunity to plan for important milestones of life along with insurance protection. The plan offers the opportunity to maximise your investments by investing in any one of the 7 investment funds available under the plan depending upon your risk appetite. The plan also offers flexibility to choose policy tenure, the sum assured, fund switching, partial withdrawal facilities. |
| Future Generali Easy Invest Online Plan | This is a unit-linked, non-profit participating life insurance plan that can be purchased via an online channel. The plan is designed to offer insurance protection to you and to protect your loved ones financially in your absence, the plan offers wealth creation opportunities by way of investing in funds available under the plan. Loyalty additions by way of rewarding additional units are offered during the last 5 years of the policy term (provided all due premiums are paid up to the date of paying loyalty addition). |
Future Generali Life Retirement Insurance Plans
A Retirement Insurance Plan as the name suggests is an insurance policy that offers insurance coverage along with an opportunity to create a financial corpus to help stay financially independent in the golden years of life. A retirement plan will ensure you have a life long insurance coverage and thereby create a legacy for your loved ones in your absence.
Retirement Plans Offered by Future Generali Life Insurance -
| Product Name | Product Description |
|---|---|
| Future Generali Immediate Annuity Plan | The plan is designed to secure your financial needs after retirement. The plan is designed to provide your regular income throughout your lifetime. The plan offers flexibility to choose the pay-out option. You can either opt for a monthly pay-out option or a yearly pay-out option depending upon your financial needs. Additionally, the plan also offers the flexibility to choose between ‘Life Annuity Option’ (where you receive a fixed annuity for life while in the event of demise the policy comes to an end) and ‘Life Annuity with Return of Purchase Price’ (where the fixed annuity is paid for life while in the event of the death, the purchase price is paid to the nominee). |
Future Generali Life Health Insurance Plan
A health insurance plan is a contract wherein the insurance company pays the medical expenses to the policyholder. Depending upon the contract of the health insurance policy the insurance company will either pay the medical expenses incurred during the treatment directly to the hospital or will reimburse it to the policyholder.
Health Insurance Plan Offered by Future Generali Life Insurance -
| Product Name | Product Description |
|---|---|
| Future Generali Cancer Protection Plan | As the name suggests, this health insurance plan is designed to offer insurance protection for cancer treatment expenses. The plan offers 2 options namely lump sum cover and lump sum cover with income benefit. The benefit payable under these options depends upon the type of option opted by you. |
| Future Generali Heart and Health Insurance Policy | This health insurance plan is designed to cover the cost of treatment incurred for unforeseen medical expenses. The plan offers comprehensive critical illness cover against 59 pre-determined critical illnesses and surgical procedures. The plan offers 4 protection options and you have the flexibility to choose any 1. The 4 protection plan options available under this plan are Heart Cover, Critical Illness Cover, Heart Cover with Return of Premium, and Critical Illness Cover with Return of Premium. Additionally, if this plan is purchased via an online channel it offers a 5% discount on the premium amount. |
Future Generali Life Child Plan
A child insurance plan is a way to secure your child’s financial future. With a child insurance plan, you can save for important milestones of your child’s future like higher education, marriage, etc. With a child insurance plan, you can systematically save to take care of expenses like graduation and/or post-graduation fees. Additionally, the plan offers insurance coverage to cover the risk of premature death i.e., in the event of untimely death, your child’s future is secured.
Child Insurance Plan Offered by Future Generali Life Insurance -
| Product Name | Product Description |
|---|---|
| Future Generali Assured Education Plan | As the name suggests, this plan is designed that the financial corpus is ready to secure your child’s dreams and aspirations. The plan pays guaranteed pay-outs depending upon the financial needs of your child. With this plan, you can secure your child’s education and future even in your absence. The plan offers maturity benefits whereby the pay-outs are designed to be paid at important milestones of your child’s education. The death benefit is paid in the event of your untimely death thereby securing your child’s education and financial needs. |
Future Generali Life Insurance Riders
A life insurance policy offers benefits to the insured. However, an insurance rider is designed to widen the scope of a life insurance policy. A rider facility multiplies the benefits received under an insurance plan depending upon its terms and conditions. By opting for a rider facility in the base plan, you can avail of additional insurance protection and thereby ensure more financial security for your loved ones. The rider facility can be availed at an additional nominal premium amount.
Riders offered by Future Generali Life Insurance are as follows:
| Rider Name | Rider Description |
|---|---|
| Future Generali Accidental Death Rider | By opting for this rider, the nominee shall receive an additional sum assured in the event of the death of the insured due to an accident. |
| Future Generali Accidental Total and Permanent Disability Rider | In the event of accidental total and permanent disability, the insured shall receive the additional sum assured to cope up with the financial expenses and treatment cost. |
| Future Generali Accidental Benefit Rider | In the event of an accident, the insured shall receive a certain percentage of the amount to cover the cost of medical expenses and treatment. |
| Future Generali Critical Illness Cover | In the event of diagnosis of critical illness, the insured shall be paid the rider sum assured to cover the cost of treatment. |
Benefits of Buying Future Generali Life Insurance Plans
A life insurance policy is an important part of sound financial planning as it helps in securing the financial future of your loved ones in your absence. A life insurance plan is also used as an investment tool to create and build a financial corpus that can be utilised at certain milestones. Future Generali Life Insurance Company is one of the leading insurance companies in India offering a wide range of insurance products. These products and policies are created keeping in mind the insurance and financial needs of the customers. The following are the benefits of buying a life insurance plan from Future Generali Life Insurance Company:
- Financial Security-
A life insurance plan is a tool that enables financial security. By investing regularly in traditional or ULIP policies one can be assured that this systematic investment will help in creating financial corpus that will provide financial security in times of emergency. - Fortune Creation-
Money-back plans, ULIPs are types of life insurance products that are specifically designed to create wealth. With the help of systematic investment across longer tenure, the insured can create a fortune to help fight financial needs and emergencies. Similarly, in the event of the death of the insured, a life insurance plan is the best instrument that helps in leaving behind a legacy or fortune for their loved ones. - Financial Planning –
Life insurance policies of Future Generali Life Insurance Company can be used as an investment tool for financial planning. The planned approach of these policies will help in meeting financial expenses and ensure that you have liquidity whenever required. - Achieve Financial Goals-
As we have mentioned above that a life insurance plan is the best tool for financial planning. Similarly, the various life insurance policies can be used as an instrument to achieve various financial goals. For example, a child insurance plan can be used for securing your child’s future, while a retirement plan can be used to plan for finances required in the post-retirement phase. Thus, with the help of long-term investment or short-term investment horizon, an insured can plan accordingly for their financial goals and ensure that their loved ones are protected financially. - Loan Against Policy-
A life insurance policy of Future Generali Life Insurance Company is designed to offer the facility of loan against policy i.e., after completion of a certain period once when the policy acquires surrender value, the insured can avail loan against the policy to meet financial contingencies. The loan against the policy is a very helpful benefit as it not only helps in meeting financial contingencies but it continues to cover the insured against the risk of premature death. - Liquidity-
A life insurance policy is one of the investment tools used for sound financial planning. Sound financial planning means the availability of cash in times of emergency. A life insurance plan offers liquidity to the insured in times of financial contingencies. Facilities like loan against policy, partial withdrawal, Policy Surrender, etc. are ways with which liquidity can be availed with a life insurance policy. - Retirement Planning-
Retirement planning is an important aspect of sound financial planning. A pension plan is the best investment instrument to carry out sound retirement planning. The Future Generali Life Insurance Company offers a retirement plan that ensures that you have a regular flow of income during the golden years of your life. The regular income ensures you have financial independence post-retirement so that you can enjoy and be stress-free. - Tax Benefits-
Tax Benefit is a part of life insurance policies. The Future Generali Life Insurance Plans are designed to offer an income tax benefit to the insured and the policyholder on the paid premium amount. The amount of tax benefit depends on the prevailing tax laws.
Future Generali Life Insurance Claim Settlement Process
Future Generali Life Insurance Company understands the difficulties that customers face in the claim settlement process. Therefore, they focus on offering a quick and hassle-free claim settlement process so that the families of the deceased are not stressed further. The insurance company focuses on offering fair and transparent claims settlement practice so that all the registered claims are effectively handled. Future Generali Life Insurance company offers two types of claim settlement namely ‘Maturity Claim’ and ‘Death Claim’. The claim process of Future Generali Life Insurance is as follows:
- Maturity Claim
Maturity Claim arises in the event of policy maturity when the insured survives throughout the policy tenure. So, when a maturity claim is to be registered the insured has to submit the following required documents for faster claim settlement.- Duly Filled Discharge Form
- KYC Documents of the Insured
- Cancelled Cheque or duly filled bank mandate form to receive a credit of the maturity proceeds.
- On the receipt of the above documents, the company shall register a maturity claim and shall credit the amount to the designated bank account at the earliest.
- Death Claim
A death claim arises in the event of the untimely death of the insured. The death claim is to be registered by the nominee in the event of the death of the insured. After intimating the insurance company, the nominee is required to submit the required relevant documents to the insurance company in order to receive the death benefit. the following are the various documents required by the insurance company to process death claims quickly.- Duly fill claim forms
- KYC Documents of the nominee
- Original Insurance Policy Document
- Death Certificate
- Other documents requested by the insurance company depending upon the type of death.
Thus, by submitting all the required documents the nominee or the insured can avail of the claim amount at the earliest. The nominee or the insured (as the case may be) can submit all the required documents at the nearest branch office of the Future Generali Life Insurance Company.
Documents Required for Death Claim
The documents required for registering a death claim depends on the type of death that needs to be covered under the insurance policy. The following is the list of important documents that the nominee is required to submit to the insurance provider:
- Original life insurance policy document
- Duly filled Death Claim Form
- Death Certificate Copy
- NEFT mandate form attested by the bank or a cancelled cheque
- Life Assured Photo ID and Date of Birth Proof
- Nominee Photo ID and Date of Birth Proof
- Relationship proof of the nominee
- Nominee’s Pan Card
- Indoor Case Papers
- Death Summary or Discharge Papers
- Post Mortem Report
- Chemical Viscera Report
- FIR Copy
- Panchanama
Documents Required for Maturity Claim
Documents required for maturity claims are less as this process does not require much documentation. The following is the list of documents for processing maturity claim
- Original Policy Document
- KYC Documents of the Insured
- Bank Mandated NEFT Form
- Duly Filled Discharge Form
Future Generali Life Insurance Tax Benefit
The tax benefit is one of the key features offered by the Future Generali Life Insurance Plans. All the insurance plans offer tax relief on the premium amount paid either by the insured or by the policyholder. The amount of tax benefit depends on the prevailing income tax laws. The below table illustrates the tax relief that can be availed under various sections of the Income Tax Act.
| Income Tax Act Sections | Tax Benefit Available |
|---|---|
| Section 80C | Under this section Income Tax Benefit of up to 10% of the SA (subject to a maximum of INR 1.50 Lakhs) can be availed on the premium amount paid. |
| Section 80D | Under this section, Income Tax Benefit up to INR 25000 (for individuals) and INR 50000 (for a senior citizen) can be availed on the premium paid every financial year. |
| Section 10 (10D) | Under this section, the death benefit received by the nominee is tax-free. |
| Section 80CCC | Under this section, tax relief is extended towards the premiums paid for the annuity plan. |
Future Generali Life Insurance Customer Care Details
Future Generali Life Insurance Company has a strong and committed customer support team dedicated to offering 24*7 customer service. The following are various ways through which the customers can contact the company.
| Email ID | care@Futuregenerali.in |
| 8108198633 | |
| Toll-Free Number | 1800 102 2355 |
| Website | https://life.futuregenerali.in/ |
| SMS Service | To receive policy details SMS to 5607003 |
Future Generali Life Insurance Review
Future Generali Life Insurance Company is one of the leading insurance providers in India. The following are a few of its interesting details:
- The company has covered more than 1.20 crore lives.
- The company has more than 136 branch offices present across India.
- The company has achieved a claim settlement ratio of 95.28% during the financial year 2019-20
- Future Generali Life Insurance has a wide range of insurance products that are designed to help customers achieve their financial goals along with offering insurance protection to the customers.
- The company has a dedicated customer support team focused to offer 24*7 help to help resolve customer queries.
- Future Generali Life Insurance Company has a simple, hassle-free, and quick claim settlement process that requires minimum documentation.
Thus, the above interesting facts make Future Generali Life Insurance company one of the most trusted insurance brands in India.
Future Generali India Life Insurance FAQs
1. Can I take a policy loan on a Future Generali Life Insurance plan?
Yes, a loan against policy facility is available under some of the Future Generali Life Insurance Plans. This facility is helpful to overcome financial contingency and still maintain life cover.
2. How can I revive my policy which has been lapsed?
It is very important to revive a lapsed policy if you want to enjoy the benefits and facilities of the life insurance plan. An active life insurance policy will help in covering the risk of premature death and ensures that your family is financially protected in your absence. Therefore, to revive a lapsed policy it is important to pay all the due premium amount along with late charges if any.
3. Which premium paying frequencies are allowed under Future Generali Life Insurance Plans?
Future Generali Life Insurance Company allows different premium payment modes like Annually, Half-Yearly, Quarterly, Monthly, and Single Premium.
4. Can I delete or add riders with Future Generali Life Insurance plans?
Yes, the addition or deletion of riders’ facilities is allowed on the policy anniversary date.
5. Can I cancel my insurance plan if I am not satisfied with the terms and conditions of the plan?
Yes, cancellation of insurance policy is allowed in the free-look period. This period is offered to the insured to cancel the insurance plan if they are not satisfied with the terms of their insurance plan.
6. What are the payment modes for Future Generali Life insurance policies?
Future Generali Life Insurance Company allows payment of premium via various modes i.e., either online channel or via the offline channel. Customers can pay the premium using NEFT, RTGS, or Net Banking facility. They can also pay the amount by cheque.
7. How will I receive my claim amount from the Future Generali Life Insurance plan?
Future Generali Life Insurance Company has a transparent and quick claim settlement process. The company pays the claim amount in the manner designated by the insured (in case of maturity benefit) or the nominee (in case of death benefit).
8. How can I check the policy status of the Future Generali Life Insurance Plan?
Visit the official website of the Future Generali Life Insurance Company to check the status of the insurance policy. You can also contact the nearest branch office to get the status of the insurance policy.
9. How can I track the performance of the policy funds in case of unit-linked insurance plans?
Visit https://life.futuregenerali.in/fund-performance link to track the performance of the policy funds. Alternatively, check the performance fact sheet sent to you that gives all the details the insurance company usually sends out the fund performance report that states all the details related to the fund performance of your unit-linked insurance plan.
10. How many riders can I choose under Future Generali Life Insurance plans?
Customers can choose as many riders they wish to add to their life insurance plan. They can select riders that are available under the selected insurance plan.