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Future Generali Flexi Online

Future Generali Flexi Online is a pure risk premium, non-linked, non-participating life insurance plan that has been carefully crafted to protect an insured person from all life uncertainties. With the optional enhancement of additional riders, it is a perfect policy for anyone looking for financial security in the face of probable misfortunes. Available in convenient premium payment modes and terms, this plan has been a go-to option for many since its inception, which is also indicated by numerous Future Generali Flexi Online reviews.

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Parameters	Details
Policy Tenure	Basic Life Cover: 10 years (Minimum) Maximum: Smokers: 65-Entry Age Non-Smokers: 75 years –Entry Age Income Protection: Minimum: 10 years; min maturity age 45 years Maximum: 65-Entry Age
Premium Paying Term	Equal to Policy Term in all options
Premium Paying Mode	Annual and Monthly
Entry Age	Basic Life Cover: 18 -55 years Income Protection: 25 -55 years
Maturity Age	Basic Life Cover: Minimum age: 45 years ; Maximum: 65 years for smokers, 75 years for non-smokers Income Protection: 45-65 years
Grace Period	30 days (15 days for monthly mode)
Sum Assured	Basic Life Cover: Minimum: Rs. 50,00,000 Maximum: No limit * Fixed Income Protection: Minimum: Rs. 25,000 (for Entry age of 25 to 43 years) Rs. 35,000 (for Entry age of 44 to 48 years) Rs. 42,000 (for Entry age of 49 to 55 years) Maximum: No Limit* Increasing Income Protection: Minimum: Rs. 25,000 (for entry age of 25 to 48 years) Rs. 30,000 (for entry age of 49 to 55 years) Maximum: No Limit* *Subject to underwriting guidelines
Liquidity	No loans are available.

Benefits of Future Generali Flexi Online

Here are the key benefits of Future Generali Flexi Online Plan:

Death Benefit:

On the policyholder's death, the nominee would receive a death benefit equalling the amount of the sum assured. This Death Benefit will be calculated as the amount which is higher of any of these:

105% of the total Future Generali Flexi Online premium paid,

10 times Annualised Premium (excluding applicable taxes, rider and underwriting premiums, etc.),

Absolute Death Sum Assured amount payable on death

Tax Benefit:

The paid Future Generali Flexi Online premium is eligible for tax benefits under Sections 80 C, 80 CCC (1), 80 D, 10 (10D),* as applicable.

* Tax benefit is subject to changes in tax laws

*Standard T&C apply

Maturity Benefit:

There are no maturity benefits payable under the Future Generali Flexi Online policy.

Premium Savings:

This policy allows the applicants to save on applied premiums for higher sum assured amounts and even for female policyholders and non-smokers.

The Premium for Future Generali Flexi Online

The Future Generali Flexi Online premium can be paid annually or monthly.

These premiums can be paid in three premium terms: single pay, regular pay, and limited pay.

Additional Riders for Future Generali Flexi Online

Under Future Generali Flexi Online, the applicable rider option for this plan is:

Future Generali Accidental Benefit Rider

The policyholder can add on this rider to the base plan to secure himself and his family against accidental death or disability and seek extra financial protection.

Eligibility for Future Generali Flexi Online

Entry age: Minimum 18 years and maximum 55 years of age
Maturity age: Minimum 28 years and a maximum of 65 years for smokers and 75 years for non-smokers. (varies as per plans)

What are the Documents Required to Buy this Policy?

For anyone interested to buy the Future Generali Flexi Online plan, the following documents will be required:

Age proof - Such as Driving license / Voter's ID card
Identity proof such as Voter's ID card / Driving Licence
Address proof such as Telephone bill / Ration card
Income proof such as Latest 3 months' Salary Slips / Assessment Order/ Employer's Certificate

How to Buy this Plan Online?

Online Future Generali Flexi Online plan can be purchased in a few quick steps:

Go to the official website of Policybazaar and fill in the details.
Generate a quotation for oneself in the Policybazaar website.
Fill in the online application form, pay for premium online.
Submit the necessary documents online.

Exclusions of Online Future Generali Flexi Online Plan

The policy presents a suicide clause, which is as follows:

Suppose the policyholder dies by suicide within a year of Future Generali Flexi Online policy. In that case, the beneficiary will be entitled to an amount that equals 80% of the premiums paid till death.
If the policyholder dies by suicide within a year from the revival date of the plan, if revived, the beneficiary will receive 80% of the premiums paid till death.

FAQs

Q: Can the riders be surrendered separately?

Ans: In Future Generali Flexi Online, the rider can be surrendered separately, or it is surrendered if the base policy is surrendered, as per conditions specified in the policy document.
Q: Can the insurer cancel a policyholder's insurance riders?

Ans:Yes. The insurer reserves the right to cancel the policy in cases like fraud, non-disclosure, or misrepresentation done by the insured person.
Q: Is the free look period applicable?

Ans:Yes, if a buyer has any objections to any of the plan's terms and conditions, they can return it within 30 days of the policy receipt with a written statement of reasons for cancellation.
Q: Is there any way to calculate the premium beforehand?

Ans:To calculate/predict the premiums, use the Future Generali Flexi Online calculator, which is readily available online. The buyer can input different sum assured and plan tenure variations to get an idea about the premiums.
Q: When will the coverage begin after purchasing the plan?

Ans:The Future Generali Flexi Online policy status would be active once the insurer gets accepted the proposal form. On acceptance, a confirmation letter (written) would also be sent to the policyholder.
Q: Does the policy have any Surrender Value?

Ans:No, the policy does not have any Surrender Value.
Q: When can a Future Generali Flexi Online policy lapse?

Ans:A Future Generali policy will lapse if the policyholder fails to pay the due premium by the end of the grace period. In such a case, no life cover will be provided in the lapse period. The policyholder can revive the lapsed policy. For that, a time of two years from the last unpaid premium date is given to reviving the policy.