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Naveen Chinthakaaya

Monday, July 9, 2012

ING Star LIfe - Investment Plan Guaranteed


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ING STAR Life, a unique life insurance plan that helps you enjoy assured tax free returns on your hard earned savings. All you have to do is pay premium for 3 years and enjoy benefits in a 12 year period. ING STAR Life has unique advantages:

  • Get 9-10% Guaranteed Addition rate for 12 years.
  • Pay for just 3 years
  • Life Cover (5 or 10 times the annual premium)
  • Assured tax free returns



Key Benefits




1.Guaranteed Life Cover:


  • ING STAR Life secures your family's financial future in case of an unfortunate event by guaranteeing life cover of 5 or 10 times the annual premium depending on the age of life assured. The life cover is applicable throughout the policy term of 12 years.




2. Guaranteed Addition Rate:


  • ING STAR Life assures you a guaranteed rate of addition from year 1 till policy maturity. The rate varies as per the sum assured chosen as follows:-

Sum Assured (in Rs.)

Guaranteed Addition Rate (per annum)

1.30 Lac – 1.95 Lac


1.95 Lac – 2.5 Lac


2.5 Lac and above


  • Guaranteed Addition is accumulated every year as a percentage of the sum assured and is paid in aggregate after the end of the 12th policy year.


3. Guaranteed Survival Benefit


  • With ING STAR Life, you do not have to wait for the end of the policy term to receive the full policy benefits since you start getting the sum assured in 10th year (50%) and 11th year (50%).




4. Guaranteed Maturity benefit:


  • With ING STAR Life, the maturity benefit is paid at the end of policy term and is equal to the sum of all guaranteed additions accumulated over 12 years.




5. Other Benefits::


  • Short premium contribution term: You need to pay premiums only for 3 years while you enjoy all the benefits in full policy term of 12 years.
  • Policy Loan: You can avail a policy loan after paying the premium for two full years and after completion of 2 policy years as per the prevailing terms applicable to the product.
  • Tax Benefit: As per the prevailing tax laws under section 80C and 10(10D) of the Income Tax Act, 1961, you an avail of the tax benefits on the premium paid and the benefits received if the death benefits is 10 times the annual premium. The tax benefits are subject to change as per change in tax laws from time to time. For specific details please contact your tax consultant before you invest in this policy.

Product Features



Minimum / Maximum Age at Entry

8 - 60 years age last birthday

Minimum / Maximum Maturity Age

20 Years / 72 years age last birthday

Policy Term

12 Years

Premium Paying Term (PPT)

3 Years

Life Cover

(Depends on Entry age of Life Assured)

For Age of Entry of 8-50 yrs:10 times Annual premium
For Age of Entry of 51-60 yrs: 5 times Annual premium

Minimum Annual Premium (Rs.)

Rs. 51,728

Minimum Sum Assured (Rs.)

Rs. 1,30,000

Maximum Sum Assured (Rs.)

Rs. 50,00,000 (Subject to underwriting)

Premium Mode

Annual only


For Brochure:

For Benefit Illustration:



K.N. Naveen Kumar
Advisor – ING Life Insurance Company Limited
MG Road Bangalore.

M: +91 9448672255  eMail: naveenkumarkn2003@gmail.com



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