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, INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE

POLICYHOLDER

Edelweiss Life – Wealth Ultima

A Unit Linked, Non-Participating, Individual, Savings Life Insurance Product

5 reasons why?

1. Edelweiss Life – Wealth Ultima comes with a unique combination of:

SMP STP SWP

Safeguards from erratic Transfer money from one Works as a second income
market movements asset class to another

Wealth Wealth Wealth

Accumulation Preservation Utilization

SMP: Systematic Monthly Plan

STP: Systematic Transfer Plan
SWP: Systematic Withdrawal Plan

2. Additions in the Policy: Various additions in the Policy provide better returns.

3. Life Cover: This product provides life cover which gives a lump sum amount to the
beneficiary in case of unfortunate demise of the Life Insured.

4. Little Champ Benefit: In case of unfortunate demise of the Policyholder, the policy
shall continue and the child receives the Policy benefits as planned.

5. Choose Policy Term and Premium Paying Term as per your need: Policy Term
ranges from 10 years to ‘till age 100’. Premium Paying Term* ranges from 5 years to
‘till the end of the policy term’.

* Premium Paying Term under Little Champ option is restricted till 30 years minus
entry age of the Life Insured

Edelweiss Life-Wealth Ultima-Sales Literature_Sep/Oct-24’ Page 1 of 23

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 Why Edelweiss Life Insurance?
At Edelweiss Life Insurance, we realize that your needs are more important than anything
else. That’s why it is our constant aim to understand your needs first before offering any advice
or an insurance solution. Your needs, based on your priorities, are first understood, then
evaluated against your future goals so that we are able to ensure that we can offer you the
best solution suited to your needs. We offer a wide range of life insurance solutions ranging
from pure term plan, savings cum insurance plan, retirement plans as well as critical illness
plans.

Why Wealth Accumulation or an Investment plan?

In today’s progressive world, there are ample opportunities to prove yourself in your chosen
field and to do well. We understand that as an achiever, you would want to make the most of
your achievements by enjoying a good lifestyle or planning for some big moments in your life.
You may want an early retirement which can be enjoyed in grand style or it could be an
international education course for your child. It would be ideal to invest in a plan which helps
you accumulate wealth. This product provides life cover which will be useful to your family in
case of unfortunate demise of the Life Insured.

Why Edelweiss Life – Wealth Ultima?

Edelweiss Life - Wealth Ultima is an insurance plan designed for your future. It is a plan that
enables you to savour the sense of freedom that is evoked when you know that you have
taken the right path for creating the wealth you need to live an unburdened life.

‘Edelweiss Life - Wealth Ultima’ is designed for accumulating your wealth by having an option
to pay systematically through monthly or other modes, growing your wealth by capitalizing on
multiple choices of STPs and/or funds and utilizing your wealth by opting for SWP. This plan
is a systematic, well thought out plan that enables you to create long term wealth and also
protect yourself against the uncertainties of life.

Benefit Summary:
✓ Systematic Monthly Plan (SMP): Under SMP, you pay your premium commitment on a
monthly basis. This helps in:
▪ Safeguarding from erratic market movements
▪ Easier to pay a small amount monthly than a large amount annually

✓ Systematic Transfer Plan (STP): It is often difficult to ascertain which asset class to
choose and when to switch between them. STP offers two options set out below to help
manage your asset allocation as per your needs:
▪ Lifestage and duration based STP
▪ Profit target based STP
You can also choose the Self-Managed Strategy wherein your money will be allocated
to your choice of fund(s).

Edelweiss Life-Wealth Ultima-Sales Literature_147L037V04 Page 2 of 23

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 ✓ Systematic Withdrawal Plan (SWP): This option allows you to withdraw a sum of money
systematically and regularly from your Fund Value. This regular stream of money works
as a second income for you.

✓ Additions in the Policy: Additions add money to your fund value in the form of
Guaranteed Additions, Loyalty Additions and Booster Additions. These help in
substantially increasing your returns.

✓ Tax Benefits: You can avail income tax benefits on the premiums paid and on the
benefits received as per the prevailing income tax laws.

How does this plan work?

On Policy Maturity, you

will receive the
Maturity Benefit.
Select
* Systematic Transfer
In case of unfortunate
Plan (STP) or Self
Select demise within the
Managed Strategy
Little Champ Benefit Policy Term, Death
* Systematic Benefit will be payable
(Optional)
Select your Withdrawal Plan (SWP)
* Premium (Optional)
* Policy Term
* Premium Paying Term
* Sum Assured
* Premium Mode

Plan summary
This plan has 2 options:

Option 1: Policies wherein Age of the Life Insured at Maturity is 99 years or less
Option 2: Policies wherein Age of the Life Insured at Maturity is 100 years

Minimum / Maximum Policy Term

Minimum Policy Term 10 Years
Maximum Policy Option 1 : 99 minus age at entry
Term Option 2 :100 minus age at entry
Policy Term is subject to minimum / maximum maturity age.
Maximum Policy Term applicable will be such that illustrated Unit Fund value at maturity shall
be at least 90% of total premium paid at 4% gross yield on the Unit Fund after allowing for all
the deductions under the policy, including underwriting loadings, if any.

Premium Paying Term (PPT)

Policy Without Little
Option PPT With Little Champ Benefit
Term Champ Benefit

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Internal
 Available when Age of the Life
Regular
Insured at Maturity is less than or Available
Pay
equal to 30 years.
10 – 30
5 Years to Minimum of
years
Limited • Policy Term – 1 year, or 5 years to (Policy
Option 1 Pay • 30 years minus age at entry Term – 1 year)
of the Life Insured)
Regular
Not Available Available
31 years Pay
and above Limited 5 years to (30 years minus age at
5 years to 30 years
Pay entry of Life Insured)
Regular
100 minus Not Available Available
Pay
Option 2 age at
Limited 5 years to (30 years minus age at
entry 5 years to 30 years
Pay entry of Life Insured)
For Option 1 & 2: Entry Age (Age last birthday)
Without Little Champ
With Little Champ Benefit
Benefit
Minimum Entry PPTs Life Insured Policyholder Life Insured
Age All PPTs$ 0 Years 18 Years 0 Years

PPT Life Insured Policyholder Life Insured

5 Pay 17 years 70 years
6 & 7 Pay 17 years 70 years
8 Pay 17 years 70 years
Maximum Entry
9 – 13 Pay 17 years 65 years
Age 75 Years
14 – 27 Pay 17 years 60 years
28 – 30 Pay 17 years 55 years
31 & Above
NA NA
Pay

$
Under Little Champ Benefit, PPT is restricted to 30 years minus age at entry of the Life
Insured.
Maximum Entry Age applicable will be such that illustrated Unit Fund value at maturity shall
be at least 90% of total premium paid at 4% gross yield on the Unit Fund after allowing for all
the deductions under the policy, including underwriting loadings, if any.

Maximum Entry Age for a particular PT/PPT will be subject to maximum maturity age available
for that option chosen.

Note: Little Champ Benefit can be availed under Option 1 as well as Option 2.

Minimum / Maximum Age of Life Insured at Maturity

Option / PPT 5 – 6 Pay 7 Pay and above
Option 1 18 years 18 years
Minimum
Option 2 100 years 100 years

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 Option 1 99 years 99 years
Maximum
Option 2 100 years 100 years

Maximum Maturity Age applicable will be such that illustrated Unit Fund value at maturity shall
be at least 90% of total premium paid at 4% gross yield on the Unit Fund after allowing for all
the deductions under the policy, including underwriting loadings, if any

Premium Type Age at Entry Minimum Sum Assured

0 – 49 years 7 * AP^
Base Premium
50 years and above 5 * AP^
Top-Up 0 - 49 years 1.25 * TP^
Premiums 50 years and above 1.10 * TP^

AP^-Annualised Premium
TP^- Top-Up Premium

The Maximum Sum Assured applicable will be such that illustrated Unit Fund value at maturity
shall be at least 90% of total premium paid at 4% gross yield on the Unit Fund after allowing
for all the deductions under the policy, including underwriting loadings, if any.

The Maximum Sum Assured Multiple for Top Up Premium will be as per the table below:

Entry Age Band

0 - 49 years 50 years and above
10 5

The Maximum Sum Assured for Base as well as Top Up premium will be subject to Board
Approved Underwriting policy.

PT = Policy Term, AP = Annualised Premium, TP = Top-up Premium

For Option 2: Policy Term will be considered as ‘70 – Age at Entry’

Premium Modal Premium Top-up Premium

Annual: Rs.48,000
Semi-annual: Rs.
Minimum 36,000 Rs. 5,000
Quarterly: Rs. 18,000
Monthly: Rs. 6,000
Maximum No Limit At any point of time the total Top-up Premiums paid
shall not exceed the total of the Base premiums paid
at that point of time.

Note: Annual, Semi-annual, Quarterly and Monthly modes are available under this plan.
Note: Charges will vary depending upon the plan option chosen
Total Premiums paid means the total of all the premiums received under the base product
including top-ups premium paid, if any.

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 Top-up premium is an amount that is paid voluntarily by the policyholder besides contractual
premium and is treated as single premium for all purposes.

Annualized Premium(AP) is the premium amount payable in a year excluding taxes, rider
premiums and underwriting extra premium on riders, if any. AP is selected by the policyholder
at the inception of the policy.

This product is available for sale through online mode as well.

Plan options
1. Investment Options: You can either choose one of the Systematic Transfer Plans (STP)
or go for Self-Managed Strategy.
i. Systematic Transfer Plans (STP):

a) Life stage and duration based STP: One’s risk appetite depends on:
a. Age: As age increases, one’s risk appetite decreases
b. Investment duration: Short investment duration leads to lower risk appetite

This STP ensures your money is moved from equity oriented fund (Equity Large Cap
Fund) to debt oriented fund (Bond Fund) as your age increases and remaining policy
term reduces. Under this STP, a proportion of the fund value will be allocated in Equity
Large Cap Fund basis the below formula:

(100−𝐴𝑡𝑡𝑎𝑖𝑛𝑒𝑑 𝐴𝑔𝑒)∗𝑅𝑒𝑚𝑎𝑖𝑛𝑖𝑛𝑔 𝑃𝑜𝑙𝑖𝑐𝑦 𝑇𝑒𝑟𝑚

𝑀𝑖𝑛(100, 10
)%

‘Attained Age’ refers to the age of the life insured as on the last birthday when the
above formula is applied.
In simple words, the allocation percentage in Equity Large Cap Fund will be equal to
(100-attained age) multiplied by remaining Policy Term divided by 10. This allocation
percentage cannot be more than 100%.

Remaining fund value will be allocated in Bond Fund.

At the time of opting in this STP, based on the above formula, the allocated premium
will be distributed between Equity Large Cap Fund and Bond Fund. We will
automatically rebalance the proportion between above two funds as per the above
formula on each Policy Anniversary.

An example of how this STP works is shown below:

(Proportion invested in Equity Large Cap Fund)
Remaining Policy Term
Attained Age
10 Years 15 Years 20 Years 25 Years 30 Years
18 Years 82% 100% 100% 100% 100%
30 Years 70% 100% 100% 100% 100%
40 Years 60% 90% 100% 100% 100%
45 Years 55% 82.5% 100% 100% 100%
50 Years 50% 75% 100% 100% 100%
55 Years 45% 67.5% 90% 100% 100%

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Internal
 60 Years 40% 60% 80% 100% 100%

Let’s say a 40 year old person opts for a 30 year policy Term. At inception, the
allocation in Equity Large Cap Fund will be:

(100−40)∗30
𝑀𝑖𝑛(100, 10
)% = 100%

After 15 years, the age will now be 55 years and remaining policy term will now be 15
years. At this stage, the allocation in Equity Large Cap fund will be:

(100−55)∗15
𝑀𝑖𝑛(100, )% = 67.5%
10

b) Profit target based STP: This STP enables you to lock the gains made from equity
and reduce the future market volatility by transferring the gains to a safer avenue.
Under this STP, 100% of the Premiums (net of allocation charges) are invested in
Equity Large Cap Fund. On any day where the gain from the Equity Large Cap Fund
reaches 10% or more of the cumulative premiums (including Top-up premiums) paid,
the amount equal to the appreciation will be transferred to the Bond Fund at the
prevailing unit price. The same is explained in the formula below:

If, Fund Value in Equity Large Cap Fund >= 110% * Total Premium paid till date

This ensures that the gains are protected from any future market volatilities. There will
be no movement from Bond Fund to any other fund.

This STP is explained with the help of an example:

For premium of Rs. 100,000 paid annually, any time the fund value in Equity Large
Cap Fund crosses Rs. 110,000 (i.e. 110% of the paid premium till date of 100,000),
say it is Rs. 111,242 then Rs.11,242 (i.e. 111,242 – 100,000) will be transferred to
Bond Fund.

Extending this example, let’s say after three years, the total premium paid is Rs.
3,00,000. Any time the fund value in Equity Large Cap fund crosses Rs. 3,30,000
(i.e. 110% of the paid premium till date of Rs. 3,00,000), say it is Rs. 3,30,597, then
Rs. 30,597 (i.e. Rs. 3,30,597 minus Rs. 3,00,000) will be transferred to Bond Fund.

You can opt for any one of the STPs as mentioned above. If you have opted for an STP,
switching and premium redirection will not be allowed. However, you have the option to
opt-in or opt-out of any of the STPs at any point of time during the Policy Term. You may
also choose the Self-Managed Strategy by opting out of the STPs at any point of time
during the Policy Term.

ii. Self-Managed Strategy: Under this strategy, you can decide to invest your money in your
choice of fund(s) in any proportion. You can switch monies amongst these funds using
the switch option. The funds available are listed below:

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Internal
 Fund Name Objective of the Asset Minimu Maximu Risk
fund Allocation m %age m %age Profile
Equity Large To provide high Equity and 60% 100%
Cap Fund equity exposure Equity
(SFIN:ULIF001 targeting higher related
18/08/1 returns in the long instruments
High
1EQLARGEC term. Debt and 0% 40%
AP147) Money
Market
Instruments
Equity Top 250 To provide equity Equity and 60% 100%
Fund exposure targeting Equity
(SFIN:ULIF002 higher returns related
7/07/11 (through long term instruments
EQTOP25014 capital gains). Debt and 0% 40% High
7) Money
Market
Instruments

Equity Mid- To provide equity Equity 80% 100%

Cap Fund exposure targeting Debt 0% 20%
(SFIN:ULIF001 higher returns in the Instruments
long term, by largely High
107/10/16 Money 0% 20%
investing in Midcap Market
ETLIMIDCAP1 Companies
47) Instruments
Managed Fund This fund uses the Equity and 0% 40%
(SFIN:ULIF006 expertise of the Equity
18/08/1 Company’s fund related
1MANAGED14 manager to decide instruments
7) on the asset Debt and 60% 100% Mediu
allocation between Money m
Equity and Debt / Market
Money market Instruments
instruments along
with stock selection.
Bond Fund To provide relatively Equity and 0% 0%
(SFIN:ULIF003 safe and less volatile Equity
17/08/1 investment option related
1BONDFUND mainly through debt instruments Low to
147) instruments and Debt and 100% 100% mediu
accumulation of Money m
income through Market
investment in fixed Instruments
income securities.
Equity Blue The objective of the Equity 60% 100% High
Chip Fund fund is to provide
(SFIN: long-term capital
Debt and 0% 40%
ULIF01226/11/ appreciation by
18ETLBLUCHI predominantly Money
P147) investing in an Market
equity portfolio of Instruments
large cap stocks

Edelweiss Life-Wealth Ultima-Sales Literature_147L037V04 Page 8 of 23

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 GILT Fund The objective of the Equity 0% 0% Low to
(SFIN: fund is to provide Mediu
ULIF01326/11/ accumulation of m
18ETLGILTFN Income and capital
D147 appreciation through Debt and 60% 100%
investments Money
predominantly in Market
Government Instruments
Securities (Governme
nt
Securities)
Debt and 0% 40%
Money
Market
Instruments
(Other than
Governmen
t Securities)
Equity Small- To provide equity Equity 80% 100%
Cap Fund : exposure targeting
(SFIN: higher returns in the
ULIF01523/12/ long term, by largely
24SMALLCAP investing in High
Debt 0% 20%
147) Smallcap Instruments
Companies

Money 0% 20%
Market
Instruments

2. Systematic Withdrawal Plan (SWP): SWP is an automated partial withdrawal facility

which has to be opted by you. Under this facility, a pre-decided percentage of fund value
will be withdrawn from your fund at the end of chosen payout frequency and paid to you
till the end of the Policy Term. You need to choose the following:
a. Systematic Withdrawal percentage (%age of fund value) per annum,
b. Payout frequency (yearly, half-yearly, quarterly or monthly), and
c. Policy year from which the amount under SWP will be payable

SWP will be subject to following conditions:

◆ Attained age of the life assured as on date of first benefit payout is atleast 18 years;
◆ SWP will start from 10th policy year or thereafter.
◆ Premium paying term is of 10 years or more;
◆ Maximum allowed systematic withdrawal percentage is 12% per annum of Fund
Value

The amount paid out to you in each instalment will be calculated as follows:

(Systematic Withdrawal percentage / No. of instalments in a Policy Year as per the SWP
payout frequency chosen) x Fund Value as on date of withdrawal

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 For e.g. If the Systematic Withdrawal percentage is 3% and the fund value before each
payout is made is Rs. 20,00,000, then the amount payable under various payout
frequency will be as follows:

No. of instalments in a
Frequency Systematic Withdrawal amount
year
Yearly 1 = 3%/1 *Rs. 20,00,000 = Rs. 60,000
Half-yearly 2 = 3%/2 *Rs. 20,00,000 = Rs. 30,000
Quarterly 4 = 3%/4 *Rs. 20,00,000 = Rs. 15,000
Monthly 12 = 3%/12 *Rs. 20,00,000 = Rs. 5,000

Note:
• SWP option can be chosen at policy inception or anytime during the policy term.
• An existing option can also be modified during the policy term. Such request will be
effective from the next policy year. The available modifications are as follows:
o Systematic withdrawal percentage (percentage of fund value) per annum
o Payout frequency (yearly, half-yearly, quarterly or monthly)
o Policy year from which the Systematic Withdrawal Benefit (SWB) will be
payable.
o Opt in or Opt out of the facility
• Policyholder can opt out of SWP anytime during the policy term by giving a written
notice.
• Both Systematic Withdrawal Plan and Partial Withdrawal can be availed
simultaneously.
• Minimum amount that can be withdrawn under SWP is Rs. 500 per instalment.
• SWP will be paid as long as the resultant Fund Value after payment of such SWP is
greater than or equal to 105% of total premiums paid (Including Top-up Premiums). In
case the resultant Fund Value after payment of such SWP is lesser than 105% of total
premiums paid (Including Top-up Premiums), then such instalment of SWP will not be
paid.
• SWP will follow all the conditions of partial withdrawals.

3. Change in Premium Paying Term (PPT): You have an option to change (increase or
decrease) the PPT subject to:
a. The PPTs allowed under the plan;
b. All other conditions in the plan being met;
c. Provided all the due premiums till the date of such request have been paid.

In case of decrease of PPT, the revised PPT shall not be less than 10 years. This option
can be exercised while the policy is in-force and before the expiry of the existing PPT.
This option of change in Premium Paying Term is not allowed if Little Champ Benefit is
chosen.

The above option shall be applicable such that illustrated Unit Fund value at maturity shall
be at least 90% of total premium paid at 4% gross yield on the Unit Fund after allowing
for all the deductions under the policy, including underwriting loadings, if any.

Benefits in detail

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 1. Additions in the Fund: These additions help in enhancing your fund value and thereby
reducing the total cost under the plan. This plan has three kind of additions in the fund as
mentioned below:

a) Guaranteed Additions: Guaranteed Additions will be added to the Fund Value at the
end of every Policy Year, starting from the end of sixth Policy Year till the Maturity Date
of the policy. Each Guaranteed Addition will be 0.25% of average of daily Fund Value
of last 12 months.

Guaranteed Additions will be added even if the policy is reduced paid-up, is in revival
period but not in Discontinued Fund. In case of revival of policies from Discontinuance
Fund no additions will made in respect of past policy anniversaries.

b) Loyalty Additions: Loyalty Additions will be added to the Fund Value at the end of every
Policy Year, starting from the end of sixth Policy Year till the end of the Premium Paying
Term, provided all the Premiums which have fallen due for that Policy Year have been
paid. Each Loyalty Addition will be 0.15% of average of daily Fund Value of last 12
months.

No Loyalty Additions will be added for policies with 5 year PPT. Loyalty Additions will
be added in the sixth policy year for one year (i.e. sixth policy year) for policies with 6
year PPT, provided all the premiums which have fallen due have been paid for that
policy year.

For a Policy which is Reduced Paid-up, is in revival period or is in Discontinuance

Fund, Loyalty Additions will not be added. In case of revival of policies no additions will
made in respect of past policy anniversaries.

c) Booster Additions: Booster Additions will be added to the Fund Value at the end of
every fifth Policy Year starting from end of 10th Policy Year till the Maturity Date of the
Policy. Each Booster Addition will be a percentage of average of daily Fund Value of
last 60 months, as shown in the table below:

End of Policy Year Booster addition

10th, 15th 2.75%
20 and every 5th Policy Year thereafter
th
3.50%

Booster Additions will be added even if the policy is in the reduced paid-up status or
revival period.

The total Fund Value including all the Additions already added till previous policy year
will be considered to calculate the future Additions. All Additions will be added to the
Fund Value on the last day of the respective policy year. The Additions once added
will form part of the Fund Value.

2. Maturity Benefit: On survival of the Life Insured, at the end of the Policy Term, and
provided the Policy is In-force, Fund Value will be paid as Maturity Benefit. However, you
have the option to collect the maturity proceeds in instalments. This option is called
Settlement Option.

Settlement Option: Under this option, the amount paid out in each instalment will be the
outstanding Fund Value as on that instalment date divided by the number of outstanding
instalments.

Under this option, you need to choose:

◆ Settlement Term (option of 1, 2, 3, 4 or 5 years); and
◆ Frequency of payout (yearly, half-yearly, quarterly or monthly instalments)

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 For example, you choose the Settlement Term of 3 years to be paid out in monthly
instalments which means you have opted for 36 instalments. Let’s say the fund value at
the beginning of Settlement Option period is Rs. 50,00,000. The first payout will be
calculated as Rs. 50,00,000 / 36 = Rs. 1,38,889. Let’s say at the time of 15th instalment,
the fund value is Rs. 33,50,000. Here, outstanding instalments are now 22. Hence, the
15th payout will be calculated as Rs. 33,50,000 / 22 = Rs. 1,52,273.

Settlement Option can be selected/modified at least six months prior to maturity.

Settlement Option will be managed in the below mentioned method:

i) The first instalment payment will be made on the Maturity Date of the Policy.
ii) Instalment payments will be made by redeeming Units from the Funds at the Unit
Price applicable on the instalment date.
iii) No Guaranteed Addition, Loyalty Addition or Booster Addition will be available
during the period of the settlement option.
iv) The risk cover shall be maintained at 105% of the total premiums paid.
Accordingly, mortality charges will be deducted.
v) No charges except FMC, switching charges, if any, and mortality charges will be
deducted during this period.
vi) At any point of time, during the settlement term you may opt for full payment of
balance Fund Value, without any charges.
vii) The outstanding fund value will continue to remain invested in the existing funds
unless specifically switched by the policyholder. During the Settlement Period the
investment risk in the investment portfolio is borne by the policyholder.
viii) In case of death of Life Insured during the Settlement Term, higher of Balance
Fund Value or 105% of the total premiums paid, is payable to the nominee/ legal
heir.
ix) Semi-Annual, Quarterly and Monthly modes are available only through ECS credit.
x) Partial withdrawals are not allowed during the Settlement Term.
xi) Switches are allowed during the Settlement Term.

3. Death Benefit:

In case of unfortunate demise of Life Insured while the Policy is In-Force, following
benefit will be paid:

i. For policies with entry age of the Life Insured below 1 year:

In case of death of Life Insured during the first 12 months from the date of
commencement of the policy, the Death Benefit payable is the sum of:

Higher of:
a) Fund Value; or
b) 105% of total Premiums received by the Company.

AND

Higher of:
a) Top-up fund Value; or
b) 105% of total top-up premiums received by the Company.

In case of death of Life Insured after the first 12 months from the date of
commencement of the policy, the Death Benefit will be same as the Death Benefit
payable for policies with entry age of the Life Insured of 1 year and above.

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Internal
 ii. For policies where the entry age of the Life Insured is 1 year or more:

Death Benefit payable is the sum of:

Highest of:
a) Fund Value; or
b) Sum Assured less relevant Partial Withdrawals #; or
c) 105% of total premiums paid

AND

Highest of:
a) Top-up Fund Value; or
b) Top-up Sum Assured; or
c) 105% of total Top-up Premiums paid.

In case of unfortunate demise of Life Insured while the Policy is reduced paid-up,
following Death Benefit will be paid:

Death Benefit payable is sum of:

Highest of:

a) Fund Value, or
b) Paid up Sum Assured less relevant Partial Withdrawals#, or
c) 105% of total Premiums paid.

AND

Highest of
a) Top-up Fund Value, or
b) Top-up Sum Assured, or
c) 105% of total Top-up Premiums paid.

‘Paid up Sum Assured’ = Sum Assured X Number of premiums paid / Number of

premiums payable.
#
‘Relevant Partial Withdrawals’ will be calculated as follows:

Sum of Partial Withdrawals made during the two year period immediately preceding the
date of death of the Life Insured. Partial Withdrawals made from the Top-up Fund shall
not be deducted for this purpose.

Top-up Sum Assured shall not be reduced after partial withdrawals from the Top-up
fund.

Additional Death Benefit in case Little Champ Benefit has been chosen:

In case of the unfortunate demise of the Policyholder before the demise of the Life
Insured, the following benefit is applicable:

a) While the Policy is In-Force (except Fully Paid-up): An amount equal to present
value of all the future modal Premiums (if any) discounted @ 4.5% p.a., shall be

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 credited to the Fund Value.
b) While the Policy is fully paid-up, reduced paid-up or in discontinuance state: No
additional death benefit is payable.

After the addition of Additional Death Benefit to Fund Value:

a) The Policy will continue till Maturity or death of Life Insured, whichever is earlier
b) No future premiums will be required to be paid
c) Policy will not move in Discontinuance state, as the policy will be treated as fully
paid-up policy, wherein all future premiums are assumed to have been paid.
d) Loyalty Additions will be payable till end of the premium paying term provided the
policy was in premium paying status as on the date of death of the policyholder.
e) Guaranteed Additions and Booster Additions will be added as and when due.
f) Life Cover for Life Insured will continue
g) Relevant charges like Policy Administrative Charges, Fund Management Charges
and Mortality charges on Sum at Risk on the life of the Life Insured will continue
to be levied as and when due

While Policy is in the Discontinued Policy Fund:

In case of death of the Life Insured when Policy is in the Discontinued Policy Fund as on
date of death, the Death Benefit shall be Discontinued Policy Fund Value as on the date
of intimation of the claim to the Company, subject to minimum guaranteed interest rate
applicable to the Discontinued Policy Fund

In case the Life Insured is a minor, the ownership of Policy will automatically vest in the
Life Insured on attainment of majority.

In case of death of the Policyholder while the Life Insured is a minor, surrender, partial
withdrawal and any other options available under the policy cannot be exercised during
the period of minority of the Life Insured.

Benefits of staying invested for the long term:

‘Edelweiss Life – Wealth Ultima’ will work even better if you stay invested for a longer duration.
The table below illustrates the Reduction in Yield (RIY) for various policy durations:

End of RIY stipulated RIY in Edelweiss Life – RIY in Edelweiss Life –

Policy by IRDAI Wealth Ultima at assumed Wealth Ultima at assumed
Term investment return of 4% investment return of 8%
10 3.00% 1.32% 1.45%
15 2.25% 0.88% 1.00%
20 2.25% 0.66% 0.78%
30 2.25% 0.49% 0.60%

The above table is assuming a 30 year old male, regular pay policy, annual premium of Rs.
1,00,000/- and assuming only a fund with Fund Management Charge of 1.35% p.a. is chosen.

Other facilities available

1. Unlimited free switches between funds: If you have chosen Self-Managed Strategy,
you can move money between the funds depending on your financial priorities and
investment outlook. This facility is called switching and is available free of cost. Minimum

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 amount per switch is Rs. 5,000. In case your current Investment Option is any of the STPs,
switching facility is not available.

2. Premium Redirection: If you have chosen Self-Managed Strategy, you can choose to
allocate future premiums including Top-up Premiums in fund(s) different from that/those
selected at policy inception or previous premium redirection request. This facility is called
premium redirection and is available free of cost. The premium redirection notice should
be given to the Company in writing at least two weeks prior to the receipt of relevant
premium.

3. Partial Withdrawals: You may withdraw a part of your fund value as per your liquidity
requirements at any time after the completion of the fifth Policy Anniversary Year, subject
to following conditions:
a) Provided the Life Insured has attained an age of 18 years.
b) Partial Withdrawals will be first adjusted from the Top-Up Fund Value (which excludes
the Top-Up Premium locked in for 5 years), if available and then from the Policy Fund
Value. There is a lock-in period of five years for each top up premium from the date
of payment of that top up premium for the purpose of partial withdrawals.
c) Minimum amount that can be withdrawn is Rs. 500 per withdrawal.
d) You can make unlimited number of partial withdrawals as long as the resultant Fund
Value after payment of such partial withdrawal is greater than or equal to 105% of
total premiums paid (Including Top-up Premiums).
e) The partial withdrawals will not be allowed which would result in termination of a
contract.
f) The partial withdrawals are free of cost.

4. Top-up premiums: You can invest your surplus money as Top-up Premium over and
above the Premium subject to following conditions :
1. Top-up premiums are allowed at any time during the policy term, except in the five
years prior to the maturity date and only if all the due premiums have been paid at
the time of making the top-up premiums.
2. Each Top-up premium will be invested in separate Top-up account with a 60
months’ lock-in period from the payment date.
3. At any point of time during the Policy Term, the total top-up premiums paid shall not
exceed the sum total of the base premiums paid to date.
4. The maximum Sum Assured on Top-up Premium shall be based on the age at
payment of Top-up premium but not on the age at entry of the Life Insured.

Non forfeiture Provisions

Surrender Benefit: At any time during the Policy Term, you can choose to surrender the
Policy

• If the surrender request is received before the completion of first 5 policy years, the fund
value net of discontinuance charge shall be credited to the discontinued policy fund.
Thereafter the treatment will be as mentioned under ‘Discontinuance of Premium’ and
‘Policy Revival’ section. If the policy is not revived the Discontinued Policy fund value shall
be payable at the end of 5th Policy year.

• If the surrender request is received after the completion of first 5 policy years, the
policyholder shall be entitled to the fund value as on date of surrender and policy will
terminate.

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 Discontinuance of Premium

Discontinuance of Policy during Lock-in Period (during first five policy years):

Upon expiry of the Grace Period, in case of Discontinuance of Policy due to non-payment of
premium, the Fund Value after deducting the applicable Discontinuance Charges, shall be
credited to the Discontinued Policy Fund and the risk cover and rider cover, if any, shall cease.

All such discontinued policies shall be provided a Revival Period . On such discontinuance,
the Company shall communicate the status of the policy, within three months of the first unpaid
premium to You and provide the option to revive the Policy within the Revival Period.

i) In case You opt to revive but do not revive the Policy during the Revival Period, the
proceeds of the Discontinued Policy Fund shall be paid to You at the end of the Revival
Period or Lock-in Period whichever is later. In respect of Revival Period ending after lock-
in Period, the Policy will remain in Discontinuance Fund till the end of the Revival Period.
The Fund Management Charges of Discontinued Fund will be applicable during this period
and no other charges will be applied.

ii) In case You do not exercise the option as set out above, the Policy shall continue without
any risk cover and rider cover, if any, and the Policy Fund shall remain invested in the
Discontinued Policy Fund. At the end of the Lock-in Period, the proceeds of the
Discontinued Policy Fund shall be paid to You and the Policy shall terminate.

iii) However, You have an option to surrender the Policy anytime and proceeds of the
Discontinued Policy Fund shall be payable at the end of the Lock-in Period or date of
surrender whichever is later.

“proceeds of the Discontinued Policy Fund” means the Fund Value as on the date the Policy
was discontinued, after addition of interest computed at the interest rate stipulated in IRDAI
(Insurance Products) Regulations, 2024..

Treatment of policy while in Discontinued Policy Fund

Fund Value (net of relevant Discontinuance Charges) of the Policy discontinued is credited to
the Discontinued Policy Fund. The proceeds of the Discontinued Policy Fund along with the
returns generated on the same shall be available only upon completion of the Lock in Period
or Revival Period, as applicable. The minimum guaranteed interest rate applicable to the
Discontinued Policy Fund shall be specified by the Authority from time to time. The current
minimum guaranteed interest rate applicable to the Discontinued Policy Fund is 4 per cent per
annum.

The excess income earned in the Discontinued Policy Fund, over and above the minimum
guaranteed interest rate shall also be apportioned to the Discontinued Policy Fund in arriving
at the proceeds of the Discontinued Policy Fund and shall not be made available to the
shareholders. The Fund Management Charge on the Discontinued Policy Fund shall be
declared by the Authority from time to time. Currently, the Fund Management Charge shall not
exceed 50 basis points per annum.

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 Discontinuance of Policy after the lock-in period (after first five policy years):

Upon expiry of the Grace Period, in case of Discontinuance of Policy due to non-payment of
premium after the Lock-in Period, the Policy shall be converted into a Reduced Paid Up status
with the paid-up sum assured i.e. original sum assured multiplied by the total number of
premiums paid to the original number of premiums payable as per the terms and conditions of
the Policy. The Policy shall continue to be in Reduced Paid-Up status without rider cover, if
any. All charges as per terms and conditions of the Policy may be deducted during the Revival
Period. However, the Mortality Charges shall be deducted based on the reduced paid up sum
assured only.

On such discontinuance, the Company shall communicate the status of the Policy, within three
months of the first unpaid premium to You and provide the following options:

1) To revive the Policy within the Revival Period, or

2) Complete withdrawal of the Policy.

i) In case You opt for (1) above but do not revive the Policy during the Revival Period, the
Fund Value shall be paid to You at the end of the Revival Period.
ii) In case You do not exercise any option as set out above, the Policy shall continue to be in
Reduced Paid Up status. At the end of the Revival Period the proceeds of the Policy Fund
shall be paid to the Policyholder and the Policy shall terminate.
iii) However, You have an option to surrender the Policy anytime and proceeds of the Policy
Fund shall be payable.

In case You opt for complete withdrawal, then on the date of receipt of intimation, the Policy
will be surrendered and Fund Value will be payable.

Policy Revival: The Policyholder can revive the Policy within three years from the date of first
unpaid premium.

To exercise the Revival Option, the Policyholder is required to provide the Company with a
written application along with payment of all due and unpaid Premiums. The proof of continued
insurability and medical examination, if required (medical examination cost to be borne by the
Policyholder) and the results thereof would be reviewed by the Company as per the then Board
approved underwriting norms.

Revival of policies on Discontinuance of Premiums (during the Lock in Period):

Where You revive the Policy, the Policy will be revived restoring the risk cover, along with the
investments made in the segregated funds as chosen by You, out of the Discontinued Policy
Fund, less the applicable charges as mentioned below in accordance to the terms and
conditions of the Policy.

The Company at the time of revival:

i. Shall collect all due and unpaid premiums will be collected without any interest or fee.
ii. May levy Policy Administration Charge and Premium Allocation Charge as applicable
during the Discontinuance period. Guarantee charges, if applicable during the
discontinuance period, may be deducted provided the guarantee continues to be
applicable. No other charges will be levied.

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 iii. Shall add back to the Fund, the Discontinuance Charges deducted at the time of
Discontinuance of the Policy.

Revival of a Discontinued Policy after the Lock-in Period:

Where You revive the Policy, the Policy shall be revived restoring the original risk cover in
accordance with the terms and conditions of the Policy.

a) The Company, at the time of Revival:

i) Shall collect all due and unpaid premiums under the Policy without charging any interest or
fee. The rider, if any, may also be revived at the option of the Policyholder.
ii) May levy Premium Allocation Charge as applicable. The guarantee charges may be deducted,
if guarantee continues to be applicable.
iii) No other charges shall be levied.

In case of revival of policies from Discontinuance Fund, no Additions (Guaranteed Additions

and Loyalty Additions) will be made in respect of past Policy Anniversaries.

Loyalty Additions are not added for Reduced Paid-Up Policy and for the Policies which are in
the Revival Period. In case of revival of the Policy, no such Loyalty Additions will be made in
respect of past Policy Anniversaries.

Charges

Premium Allocation Charge: Premium Allocation Charge as a percentage of Premium is

given below:

Premium Allocation
Policy Year
Charges
1 6.0%
2-5 4.0%
6 and onwards 0.0%

Top-Up Allocation Charge: 1.5% of the Top-Up Premium

The Premium Allocation Charges are guaranteed during the policy term.

Policy Administration Charges: Policy Administrative Charges are a percentage of

Annualised Premium and will be recovered by way of cancellation of units at the prevailing
unit price on the first business day of each policy month.

Policy Administrative
Policy Year
Charges
1–5 1.65% per annum
6 and onwards Nil

Policy Administration Charges shall not exceed Rs.6,000 per annum. Any revision in Policy
Administration Charge will be subject to prior approval from the Authority.

Fund Management Charges (FMC): FMC are levied as a percentage of the asset value of
the relevant Fund and will be reflected in the NAV of the respective Fund. FMC are calculated

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 and recovered on a daily basis before the calculation of the NAV of each corresponding Fund.

The annual Fund Management Charges for the funds are as follows:

Fund FMC per annum

Equity Large Cap Fund 1.35%
Equity Top 250 Fund 1.35%
Bond Fund 1.25%
Managed Fund 1.35%
Equity Mid Cap Fund 1.35%
Equity Blue Chip Fund 1.35%
Gilt Fund 1.25%
Equity Small Cap Fund 1.35%
Discontinued Policy Fund 0.50%

The Company may change the Fund Management Charges from time to time subject to prior
approval from the Authority. As per prevailing IRDAI Regulations, the Fund Management
Charges will not exceed 1.35% p.a. for all funds except for Discontinuance fund which will be
0.5%.

Surrender/Discontinuance Charges

Discontinuance Charges for the

Where the policy is Discontinuance Charges for the
policies having Annualised
discontinued during policies having Annualised
Premium from Rs. 25,001 to
the policy year* Premium above Rs. 50,000/-
Rs.50,000/-

Lower of 6 % of (AP or FV) subject Lower of 6 % of (AP or FV) subject

1
to maximum of Rs 3000 to maximum of Rs 6000

Lower of 4 % of (AP or FV) subject Lower of 4 % of (AP or FV) subject

2
to maximum of Rs 2000 to maximum of Rs 5000

Lower of 3 % of (AP or FV) subject Lower of 3 % of (AP or FV) subject

3
to maximum of Rs 1500 to maximum of Rs 4000

Lower of 2 % of (AP or FV) subject Lower of 2 % of (AP or FV) subject

4
to maximum of Rs 1000 to maximum of Rs 2000

5 and onwards NIL NIL

AP = Annualised Premium
FV = Fund Value on the date of discontinuance
* The date of discontinuance shall be the date on which the grace period expires or the date
of surrender whichever is earlier.
No Discontinuance Charges shall be imposed on top-up premiums.

Switching charges: Nil

Premium Redirection charges: Nil

Partial Withdrawal Charges: Nil

Mortality Charges: Mortality Charges are recovered on a monthly basis by the way of
cancellation of units.

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 Monthly Mortality Charges = Sum at Risk for benefit on death of the Life Insured * (Annual
Mortality Charge rate of Life Insured / 12) + Sum at Risk for benefit on death of the Policyholder
(if any) * (Annual Mortality Charge rate of Policyholder / 12)

Where, Annual Mortality Charge rate of Life Insured/Policyholder depends on age last birthday
and gender of Life Insured/Policyholder as on date of calculation.

Sum at Risk (SAR) for benefit on death of the Life Insured is the sum of:

{Highest of:

▪ Sum Assured* minus relevant partial withdrawals#; or

▪ 105% of total premiums paid; or
▪ Fund Value as on that date
Minus the Fund Value as on that date.}

AND

{Highest of:

▪ Top-up Sum Assured*; or

▪ 105% of total Top-up premiums paid; or
▪ Top-up Fund Value as on that date
Minus the Top-up Fund Value as on that date}

* Sum Assured is not applicable in first policy year for Life Insured with entry age below 1 year
#
“Relevant Partial Withdrawals” will be calculated as follows:

Sum of Partial Withdrawals made during the two year period immediately preceding the date
of death of the Life Insured.

Partial Withdrawals made from the Top-up Fund shall not be deducted for this purpose.

While the Policy is Reduced Paid-up, for the calculation of Sum at Risk (SAR) for benefit on
death of the Life Insured on a given date for calculation of mortality charges, the Paid-Up Sum
Assured will be applicable in place of Sum Assured.

Sum at Risk (SAR) for benefit on death of the Policyholder (Under Little Champ Benefit):
Present value of all the future modal premiums, if any (discounted @ 4.5% p.a.)

While the Policy is Fully Paid-up, Reduced Paid-up or in Discontinuance as no additional death
benefit is payable on death of the Policyholder, SAR is equal to zero.

The Mortality Charge Rates are guaranteed.

During Settlement option, the Sum at Risk will be maximum of (0, 105% of total premiums
paid minus Fund Value as on the date of calculation of mortality charges).

Statutory Information

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 In case of death of the Life Insured due to suicide within 12 months from the Policy
Commencement Date or from the date of Revival of the Policy, as applicable, the Nominee or
the beneficiary of the Policyholder shall be entitled to the Fund Value, as available on the date
of intimation of death.

Further any charges other than Fund Management Charges (FMC) and guarantee charges
recovered subsequent to the date of death shall be added back to the Fund Value as available
on the date of intimation of death.

Policy Loan: No policy loan facility is available under this plan.

Free look Period: You have a Free Look period of thirty (30) days beginning from the date of
receipt of the Policy Document, whether received electronically or otherwise, to review the
terms and conditions of this Policy. If you disagree with any of the terms or conditions, or
otherwise, and you have not made any claims, you may return this Policy for cancellation to
us by giving us written reasons for your objection within the said Free Look period. We will
refund the following amount to the Policyholder under the Free Look Period as follows:
Fund Value as on the date of cancellation of the Policy plus non-allocated premium, if any plus
charges levied by cancellation of units minus (Stamp duty charges + proportionate risk
premium for the period of cover + expenses incurred by us on medical examination (if any) of
Proposer/Life Insured).

To exercise the Free Look option, you would need to send the Policy Document along with a
request letter to us at any of our branches or at our Corporate Office address. You are required
to maintain the acknowledgement received from the Company as a proof of submission.

Grace Period: Grace Period of 30 days is available for Annual, Semi-Annual and Quarterly
premium payment modes and 15 days for Monthly premium payment mode.

The policy will remain in force during the Grace Period. If any premium remains unpaid at the
end of the Grace Period, the non-forfeiture provisions mentioned in the ‘Non-Forfeiture’ section
above will apply.

Nomination/Assignment requirements

Nomination: Nomination is allowed as per Section 39 of the Insurance Act, 1938, as amended
from time to time.

Assignment: Assignment is allowed as per Section 38 of the Insurance Act, 1938, as amended
from time to time.

Vesting of Ownership:
In case the Life Insured is a minor, the ownership of Policy will automatically vest on the Life
Insured on attainment of majority.

In case of death of the Policyholder while the Life Insured is a minor, surrender, partial
withdrawal and any other such options available under the policy cannot be exercised during
the period of minority of the Life Insured.

Foreclosure: At any time after five (5) policy years, if the fund value becomes Nil, then the
policy shall be foreclosed.

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 Prohibition of Rebate: Section 41 of the Insurance Act, 1938 as amended from time to time
No person shall allow or offer to allow, either directly or indirectly, as an inducement to any
person to take out or renew or continue an Insurance in respect of any kind of risk relating to
lives in India, any rebate of the whole or part of the commission payable or any rebate of the
premium shown on the policy nor shall any person taking out or renewing or continuing a
policy accept any rebate except one such rebate as may be allowed in accordance with the
published prospectus or tables of the Insurer. Any person making default in complying with
the provisions of this section shall be liable for a penalty which may extend to ten lakh rupees.

Non-Disclosure Clause: (Section 45 of the Insurance Act, 1938 as amended from time to
time)

Fraud and Misstatement would be dealt with in accordance with the provisions of Section 45
of the Insurance Act, 1938 as amended from time to time.

Applicable Taxes: Allowed charges under this policy will be escalated by the applicable
taxes, if any, as per the prevailing tax laws.

The Policyholder will be liable to pay all applicable taxes as levied by the Government from
time to time.

About Us
Edelweiss Life Insurance Company Limited (formerly known as Edelweiss Tokio Life
Insurance Company Limited) established nationwide operations in July 2011 with an
immovable focus on protecting people’s dreams and aspirations. The company has been
focussed on bringing innovation, simplicity, and a new-age approach to life insurance, aligned
with the expectations of the customer today. It has been offering need-based and innovative
life insurance solutions to help customers live their #zindagiunlimited. With a customer-centric
approach, the company has been operating as a multi-channel distribution business to
effectively serve its customers across the country. As of March 2024, the company has 109
branches in 88 major cities.

Purpose: We will take the responsibility of protecting people’s dreams and aspirations

Edelweiss Life Insurance Company Limited

(formerly known as Edelweiss Tokio Life Insurance Company Limited)
IRDAI Regn. No.: 147 | CIN: U66010MH2009PLC197336
Registered Office & Corporate Office: 6th Floor, Tower 3, Wing ‘B’, Kohinoor City, Kirol Road,
Kurla (W), Mumbai 400070.
Toll Free: 1800 212 1212. Email: [email protected].
Visit us at www.edelweisslife.in
UIN: 147L037V04
Advt No: BR/4039/Jan/2025

Disclaimer:
Unit Linked Life Insurance products are different from the traditional insurance products and
are subject to the risk factors. Edelweiss Life Insurance Company Limited is only the name of

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 the Insurance Company and Edelweiss Life – Wealth Ultima is only the name of A Unit Linked,
Non-Participating, Individual, Savings Life Insurance Product and does not in any way indicate
the quality of the contract, its future prospects, or returns. 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. Please know the associated risks and the applicable
charges from your Personal Financial Advisor or the Intermediary or policy document of the
Insurer. The premium paid in unit linked life insurance policies are subject to investment risk
associated with capital markets and the unit price of the units may go up or down based on
the performance of investment fund and factors influencing the capital market and the
policyholder is responsible for his/her decisions. Tax benefits are subject to changes in the tax
laws.

Flower & Edelweiss are trademarks of Edelweiss Financial Services Limited used by
Edelweiss Life Insurance Company Limited under license.

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/ FRAUDULENT OFFERS

IRDAI or its official do not involve in activities like selling insurance policies, announcing bonus
or investment of premiums. Public receiving such phone calls are requested to lodge a police
complaint

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