Gold Plus-II is a flexible short pay plan to fulfil medium term Investment and Risk cover needs of HNI customers.

Plan at glance
Entry Ages	Minimum – 18 years Maximum – 70 years
Policy Term	8 years
Premium Paying Period	3 years
Minimum Premium	Rs.50, 000 p.a.
Sum Assured	Minimum – 5 times the Annual Premium Maximum – As per multiple table
Choice of Investment Funds	Assure, Protector, Builder, Enhancer, Creator, Magnifier & Maximiser (New Fund)
Partial Withdrawal Facility	Unlimited partial withdrawals free of charge Minimum Amount – Rs 5,000 Maximum Amount – Excess of Policy Fund Value over the higher of Rs 30,000 or Top-up premiums paid during the 3 years preceding the partial withdrawal date.
Top-Up	Minimum top up amount will be Rs 5,000
Death Benefit	Higher of Fund Value or Sum Assured (less applicable partial withdrawal)
Switching	Unlimited fund switches free of charge
Premium Reduction Facility	Available after 1st year
Maturity Benefit	Fund Value
Key Benefits: Premium Reduction Facility: Renewal premium can be reduced from the 2nd year Fund Allocation: Allocate and/or switch across 7 investment options with equity exposure       ranging from 0% to 100% Short Pay: Client needs to pay only for 3 years Medium Term: Policy Term fixed at only 8 years to help achieve your mid-term needs Top Up: Add to your Plan - whenever you have extra money - anytime during the policy       term with no upper limit Full Liquidity: After 3 year either through partial withdrawal facility or surrender. Tax Benefits: - Eligible for tax benefits under Sec. 80C and Sec.10 (10D)* Gold Plus-II provides you: Premium Choice Plan – Pay today. Pay what is comfortable in 2nd & 3rd year An Easy Investment Plan – Have 7 investment choices with Maximiser 100% Equity       Exposure Fund A Mature Term Plan – Clients between 55 to 70 qualify for a “Term-like Cover” with only 3      premiums and 8-year coverage DISCLAIMERS: Insurance is the subject matter of the solicitation. The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of the fund and factors influencing the capital market and the insured are responsible for his or her decision. The policy is underwritten by Birla Sun Life Company Ltd For more details on risk factors, terms and conditions please read sales brochure carefully before concluding the sale. Conditions apply (where ever applicable) Tax benefits are subject to changes in the tax laws. Please contact your tax consultant for actual tax calculation Back