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term insurance rider TIR

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term insurance rider TIR

 TERM INSURANCE TIR rider can be attached to whole life and Endowment Assurance Policies. In the event of the death of the assured during the term of the rider, the sum assured under the rider will be payable in addition to benefits payable under the basic policy endorsement or attachment to a life insurance policy that provides additional term coverage for the amount specified. If the insured dies during this time, the designated beneficiary(ies) can receive death benefit proceeds

 

 term insurance rider TIR

is an attachment, amendment, or endorsement made in a term insurance policy that gives the policyholder supplementary coverage. Riders strengthen a term insurance policy by providing multiple additional benefits, apart from the core offering of a death benefit.

Most term insurance plans offer the benefit of riders. However, the riders, their conditions, and their costs vary according to the term plan, the premium, and the company. While some riders are included as part of the term insurance plan, other riders need to be purchased separately by paying an additional premium, after which they will be included in the policy. While purchasing term insurance

term insurance rider TIR:

is an add-on to a permanent life insurance policy, most often a whole life insurance policy.  The term rider adds additional life insurance, but instead of being permanent the additional coverage expires.  For the length of the term rider, the death benefit is increased by the amount of the rider.

Insurance riders can either be included with the price of your policy, or they may be offered at an additional charge.  Typically a term life insurance rider has an additional cost associated with it, but the cost is normally slightly less than a separate term policy of equal death benefit to the rider.  A term rider is a cost-effective way to add additional death benefit for a limited amount of time.A term rider is an add-on benefit you can attach to your existing term insurance policy at a nominal rate. A term rider offers you additional benefits over and above the pre-decided sum assured of your policy, in case a scenario that is covered by the rider occurs.

UNDER WRITING REQUIREMENT:

 1-It may be offered to sell-supporting males and females in category A only.

2-it is available to adult lives between 20 to 60 years of age for a term that end on or before age 70 years.it is not available to minor lives.

3-maximum term is not allowed to exceed the premium paying term of the basic policy.

4-presence of extra ordinary hazard and /or some physical impairment may cause refusal or further increase in the premium rate .

5-occupation extra will be charged as per rate charged on the basic life premium.

6-it may not be attached to the policies underT-07 ( child’s life) 09,14,18,22,23,24,25,71 and N.D scheme.

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AGE NEAREST BIRTH DAY10 YEARS11 YEARS12 YEARS13 YEARS14 YEARS15 YEARS
202.902.932.973.003.043.07
212.973.013.053.083.123.16
223.043.083.123.173.213.25
233.123.163.213.253.303.34
243.203.253.303.353.403,45
253.293.353.403.463.513.57
263.393.453.513.583.643.70
273.503.573.643.703.773.84
283.623.703.773.853.924.00
293.753.843.934.014.104.19
303.904.004.104.194.294.39
314.064.174.284.404.514.62
324.254.384.504.634.754.88
334.464.604.754.895.044.18
344.704.865.035.195.365.52
354.965.155.345.525.715.90
365.275.485.705.916.136.34
375.615.866.106.356.596.84
386.016.296.576.857.137.41
396.466.787.107.427.748.06
406.977.347.708.078.438.80
417.567.988.398.819.229.64
428.248.719.189.6510.1210.59
439.029.5510.0710.6011.1211.65
449.9110.5011.0811.6712.2512.84
AGE NEAREST BIRTH DAY10 YEARS11 YEARS12 YEARS13 YEARS14 YEARS15 YEARS
4510.9211.5612.2012.8513.4914.13
4612.0612.7613.4614.1514.8515.55
4713.3514.1014.8615.6116.3717.12
4814.7915.5016.4017.2018.0118.81
4916.3917.2418.0918.9518.9020.65
5018.1419.0419.9420.8321.7322.63
5120.0420.9821.9322.8723.8224.76
5222.0923.0824.0725.0726.0627.05
5324.2925.3326.3727.4028.4429.48
5426.6427.7328.8229.9030.9932.08
5529.1230.2631,4132.5533.7034.84
5631.7632.9634.1635.3636.56-------
5734.5535.8137.0738.33----------------------
5837.4938.8240.15-----------------------------------
5940.6242.02------------------------------------------------
6043.94---------------------------------------------------------------------
AGE NEAREST BIRTH DAY 16 YEARS17 YEARS18 YEARS19 YEARS20 YEARS
203.123.163.213.253.30
213.213.263.313.363.41
223.303.363.413.473.52
233.403.464.533.593.65
243.523.593.663.733.80
253.653.733.803.883.96
263.793.883.964.054.15
273.944.044.143.244.34
284.114.234.234.464.57
294.324.454.574.704.83
304.544.694.834.975.12
314.794.955.125.285.45
325.075.265.455.645.83
335.405.615.836.046.26
345.776.016.266.506.75
356.186.466.747.027.30
366.666.987.297.617.93
377.207.567.918.278.63
387.818.218.629.029.42
398.518.969.409.8510.30
409.299.7910.2810.7811.27
4110.1810.7211.2611.8012.34
4211.1711.7612.3412.9313.51
4312.2812.9013.5314.1514.78
4413.5114.1814.8515.5216.19
4514.8415.5516.2516.9617.67
4616.3017.0517.8018.5519.30
4717.9118.7019.4820.2721.06
4819.6420.4721.2922.1222.95
4921.5222.3923.2524.1224.00
5023.5424.4525.3626.2727.18
5125.7126.6627.6228.57-----------
5228.0429.0330.03---------------------
5330.5231.55--------------------------------
5433.16------------------------------------------------------
AGE NEAREST BIRTH DAY 16 YEARS17 YEARS18 YEARS19 YEARS20 YEARS
203.123.163.213.253.30
213.213.263.313.363.41
223.303.363.413.473.52
233.403.464.533.593.65
243.523.593.663.733.80
253.653.733.803.883.96
263.793.883.964.054.15
273.944.044.143.244.34
284.114.234.234.464.57
294.324.454.574.704.83
304.544.694.834.975.12
314.794.955.125.285.45
325.075.265.455.645.83
335.405.615.836.046.26
345.776.016.266.506.75
356.186.466.747.027.30
366.666.987.297.617.93
377.207.567.918.278.63
387.818.218.629.029.42
398.518.969.409.8510.30
409.299.7910.2810.7811.27
4110.1810.7211.2611.8012.34
4211.1711.7612.3412.9313.51
4312.2812.9013.5314.1514.78
4413.5114.1814.8515.5216.19
4514.8415.5516.2516.9617.67
4616.3017.0517.8018.5519.30
4717.9118.7019.4820.2721.06
4819.6420.4721.2922.1222.95
4921.5222.3923.2524.1224.00
5023.5424.4525.3626.2727.18
5125.7126.6627.6228.57-----------
5228.0429.0330.03---------------------
5330.5231.55--------------------------------
5433.16------------------------------------------------------

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