The plan combines life protection with long-term wealth creation, allowing clients to secure their future while achieving their financial goals. The plan is ideal for individuals looking for a balanced approach to protection and wealth building while maintaining both goals, the report said.
Generali Central Sampoorna Samadhaan Plan offers life cover of up to 100 times the annual premium, while also offering the opportunity to grow wealth through market-linked investments. It offers customers the flexibility to choose their premium payment term and policy duration that suits their financial goals.
Policyholders can choose from nine funds in which they can invest and personalize their investment path. Systematic Partial Withdrawals (SPW) are allowed at regular intervals, providing access to funds without disrupting long-term savings.
To reward loyalty, at the end of the 10th, 11th, 12th and 13th policy year, the insurer will refund up to twice the premium allocation costs deducted 10 years earlier. From the 11th policy year onwards, it will also credit up to twice the mortality charges, which were also deducted 10 years earlier, giving policyholders additional benefits.
Generali Central Life Insurance also offers two optional extras: Generali Central Linked Accidental Death Benefit Rider and Generali Central Linked Accidental Total & Permanent Disability Rider, which provide additional protection against unforeseen events.
Alok Rungta, MD & CEO of Generali Central Life Insurance, said the product is designed to expand the reach of life insurance protection while encouraging adoption of market-linked plans, especially among individuals in their 30s and 40s.
Generali Central Life Insurance combines Generali’s global expertise with the reach of the Central Bank of India to make insurance more inclusive and accessible to every Indian household.
Published on November 3, 2025
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