Supplemental life insurance is an additional layer of coverage that you can purchase alongside your existing life insurance policy. These riders can be added to your primary life insurance policy for added security and can enhance your overall protection.

• Accidental Death Benefit (ADB): This rider provides an extra payout if the insured person dies due to an accident.
• Permanent Disability and Accident Benefit (PDAB): offers coverage for permanent disabilities resulting from accidents
• Health Insurance (HI): Unforeseen medical expenses and other living costs can arise unexpectedly, often at the most inconvenient times. AsthaLife's supplemental health plans provide cash benefits to assist you in covering various everyday expenses, offering a sense of security and peace of mind.
• Critical Illness (CI-8): Critical illness insurance is a form of supplemental insurance that provides coverage for expenses not typically covered by your standard health plan. Its purpose is to create a monetary safety net in case you face a medical diagnosis that could result in expensive treatments or other financial hardships.

When you purchase a life insurance policy, you agree to pay a specific sum of money, known as the premium, to the insurance provider at regular intervals. The frequency or period of your payments depends on your chosen mode of premium. AsthaLife offers several modes of premium payment for the product Astha Shurakkha, including:

1. Annual: You pay the premium once a year.
2. Semi-annual: Payments occur every six months.
3. Quarterly: You make payments every three months.

Policy can be taken for 10, 15, 20, 25, 30 and 35 years term.
Minimum term is 10 years and Maximum term is 35 years.

• The policy owner's minimum age at entry shall be 18 years and maximum 60 years.
• At maturity, the age of the policyholder cannot exceed 70 years.

The policy shall earn paid up (reduced Sum Assured) value and surrender (encashment) value only after it is in-force (active) for at least two years. i.e. for getting any kinds of survival benefit like paid up with maturity/ surrender/ loan/ partial maturity:

• Two (2) years premiums need to be paid and
• Two years have to be passed
  

1. Death claims are exempt from income tax.
2. 5% tax is applicable at source on the excess of insurance claim amount       excluding gross accumulated premium on maturity.
3. Income tax rebate will be available on vested premium while filing personal income tax return.

When you purchase a life insurance policy, you agree to pay a specific sum of money, known as the premium, to the insurance provider at regular intervals. The frequency or period of your payments depends on your chosen mode of premium. AsthaLife offers several medium of premium payment, including:

1. Bank: Premium payments can be made through your bank account. You can use net banking, mobile banking, or visit the bank in person to initiate the payment. AsthaLife has tie-ups with specific banks for seamless transactions.

2. Cheque: Write a cheque for the premium amount and submit it to the insurer. Ensure that the cheque is correctly filled out, signed, and dated. AsthaLife will process the payment upon clearance.

3. Mobile Banking: Use mobile banking apps to transfer the premium amount directly from your bank account to the AsthaLife. This method provides convenience and real-time confirmation.

4. Electronic Funds Transfer (EFT): EFT allows you to authorize automatic premium deductions from your bank account. Set up an EFT mandate with AsthaLife, and the premium will be debited on the specified dates.