Future Generali Life Insurance
Future Generali India Insurance is a group venture of Future Group (a leading retailer of India) and Generali Group (a global insurance group). With its presence across 136 branches in India, the insurer provides comprehensive insurance solutions to the customers and businesses through personal, commercial, retail, and rural product offerings.
The insurer’s mission is to actively protect and improve people’s lives through a variety of insurance products. The insurer’s mission is to actively protect and improve people’s lives through a variety of insurance products. They’ve also pioneered the sale of insurance through their network of shopping malls and retail businesses, giving them everyday access to a big number of clients.
Key Highlights Of The Company
| Incurred Claim Ratio | 59.66 Percent |
| Premium Underwritten | 1,480.25 Cr. |
| Corporate Address | Future Generali India Life Insurance Co Ltd., Unit 801 and 802, 8th floor, Tower C, Embassy 247 Park, L.B.S. Marg, Vikhroli (W), Mumbai- 400 083 |
| Contact No. | +91-8108198633 |
| Email Id | Emailcare@futuregenerali.in |
| Awards & Recognition |
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Types of Plans Offered by Future Generali Life Insurance
Future Generali offers a variety of simplified life insurance policies. These plans will assist you in meeting a variety of needs, including protection, savings, investments, child’s education, and health. Let’s take a closer look at each form of life insurance policy.
1. Future Generali Term Life Insurance Plans
Future Generali offers a variety of term insurance policies to meet the diverse needs of customers. Let’s discuss them in detail!
| Name of the Plan | Eligibility (Min. & Max. Age) | Sum Insured (Min & Max.) |
| Future Generali Flexi Online Term Plan | Min. Age- 18 years Max. Age- 55 years | Min. – Rs.25,000 Max.- No-Limit subject to underwriting |
| Future Generali Care Plus | Min. Age- 18 years Max. Age- 65 years | Minimum – Rs. 25 Lacs Maximum – As per Board approved Underwriting policy |
| Future Generali Jan Suraksha | Min. Age- 18 years Max. Age- 50 years | Min. – Rs.5,000 Max.- No-Limit subject to underwriting |
| Future Generali Express Term Life Plan | Min. Age- 18 years Max. Age- 65 years | Minimum – 25 Lacs Maximum – No Limit (Subject to Underwriting by the Company) |
| Future Generali Saral Jeevan Bima | Min. Age- 18 years Max. Age- 65 years | Minimum – Rs. 5 Lacs Maximum – Rs. 25 Lacs |
- Future Generali Flexi Online Term Plan: It’s a simple term insurance policy that safeguards you from an unpleasant event by covering you against death. The plan gives you the option of selecting a death benefit from a variety of possibilities. The policy would allow you to take control of your family’s financial destiny by giving them a lump-sum payment or a monthly payout.
- Future Generali Care Plus: It is a term life insurance policy that is tailored to your specific needs and preferences to protect your family’s lifestyle today and in the future. This plan also includes a Claim Service Guarantee1 of 2 working days, ensuring that your family receives fast assistance during their most challenging times.
- Future Generali Jan Suraksha: This form of term insurance policy protects your family from your debts and responsibilities. This life insurance policy can be obtained for a small, one-time fee. This plan’s Death Benefit protects your family in the event of your untimely death during the Policy Term. This plan does not include any Maturity Benefits.
- Future Generali Express Term Life Plan: The Express Term Life Plan from Future Generali provides comprehensive long-term insurance at a low cost to preserve your family’s financial future. The plan allows you to choose the length of time you want to be protected and when you want to pay your premiums. It pays a lump-sum payment in the event of death or terminal illness, whichever comes first.
- Future Generali Saral Jeevan Bima: Future Generali Saral Jeevan Bima is intended to provide you with a safety net so that you can be assured that your loved ones will be protected from future financial difficulties. During the 45-day waiting period following the date of risk commencement, this policy will only cover death caused by an accident.
2. Future Generali ULIP Plans
ULIPs (Unit Linked Insurance Plans) allow investors to invest in a variety of market-linked investment instruments, giving them a compelling long-term financial planning option. The following are the several sorts of ULIP plans:
| Name of the Plan | Eligibility (Min. & Max. Age) | Sum Insured (Min & Max.) |
| Future Generali Big Dreams Plan | Min. Age- 0 Max. Age- 55 years | 10 X Annualized Premium |
| Future Generali Easy Invest Online Plan | Min. Age- 0 Max. Age- 60 years | 10 x Annual Premium |
| Future Generali Dhan Vridhi | Min. Age- 0 Max. Age- 60 years | Minimum and Maximum Sum Assured are as under: Age < 45 years: 10 x Annualised Premium Age >= 45 years: 7 x Annualised Premium |
| Future Generali Wealth Protect plan | Min. Age- 7 years Max. Age- 60 years | Minimum Sum Assured For age less than 45 years – 10* Annualised Premium For age 45 years & above – 7* Annualised Premium Maximum Sum Assured M* annualised premium where M is a factor that depends upon the entry age (of the Life Assured) |
| Future Generali Bima Advantage Plus | Min. Age- 7 years Max. Age- 65 years | Minimum Sum Assured Age < 45 yrs: 10 x Annualised Premium Age >= 45 yrs: 7 x Annualised Premium Maximum Sum Assured (as a multiple of Annual Premium) |
- Future Generali Big Dreams Plan: It is a complete Unit Linked Insurance Plan that allows you to build wealth while also benefiting from the benefits of an insurance plan. When you choose the plan, you are likely to benefit from life insurance and protect your family’s future from life’s uncertainties.
- Future Generali Easy Invest Online Plan: The plan provides you with life insurance as well as the opportunity to build money. Switching Funds is an option under the plan, allowing you to have complete control over your assets. It allows you to pay unforeseen expenses by allowing you to withdraw a portion of your money 5 years after purchasing the insurance.
- Future Generali Dhan Vridhi: Future Generali Dhan Vridhi is a non-participating individual unit-linked life insurance plan that provides the ideal combination of protection and investment to help you achieve your long- and medium-term financial goals. With a choice of 7-unit funds, you also have the option of keeping insured for longer than the premium-paying term.
- Future Generali Wealth Protect plan: Future Generali Wealth Protect Plan is a non-participating (without profits) individual unit-linked life insurance plan that provides not only protection but also the possibility to build the wealth you wish. This plan allows you the freedom to select how much wealth you want to build for yourself and your family, as well as the flexibility to invest your money wherever you want at any time.
- Future Generali Bima Advantage Plus: Future Generali Bima Advantage Plus is a non-participating, unit-linked individual life insurance plan that not only helps you develop wealth but also provides protection. It also provides a diverse range of investment funds to suit your risk tolerance, as well as a variety of other adaptable solutions to meet your specific requirements.
3. Future Generali Child Insurance Plans
You may easily insure your child’s education with a dedicated child pan from Future General in the event of a terrible occurrence in your life.
| Name of the Plan | Eligibility (Min. & Max. Age) | Sum Insured (Min & Max.) |
| Future Generali Assured Education Plan | Min. Age of the Parent: 21 – 50 years. Age of the Child: 0 – 10 years (Parent will be the Life Assured under the plan) Maximum: 67 years | 10 times Annualized Premium |
- Future Generali Assured Education Plan: This child education plan allows you to save for your child’s graduation or post-graduation college expenses in a systematic manner until he or she turns 17 years old. It is a form of Guaranteed Income Plan that provides you with three alternatives for receiving Guaranteed payouts based on your child’s educational milestones, so you get the money when you need it.
4. Future Generali Retirement Solution Plans
Future Generali offers retirement plans that allow you to get financial independence after the age of 60. Let’s take a look at the different plans offered:
| Name of the Plan | Eligibility (Min. & Max. Age) | Sum Insured (Min & Max.) |
| Future Generali Immediate Annuity Plan | Min. Age- 40 years – for fresh purchase by new customers. 0 years – existing customers of deferred pension products purchased from us Max. Age- 80 years | Depending on the minimum premium |
| Future Generali Saral Pension | Min. Age- 40 years Max. Age- 80 years | Depending on the minimum premium |
- Future Generali Immediate Annuity Plan: The Future Generali Immediate Annuity Plan is a traditional non-participating plan in which you get regular income for the rest of your life. Depending on the model you select, you can begin receiving your Annuity immediately after paying the premium.
- Future Generali Saral Pension: This plan ensures a steady stream of income for the rest of your life, allowing you to achieve financial independence. You will have the choice of receiving annuity payments on a yearly, half-yearly, quarterly, or monthly basis, depending on your needs.
5. Future Generali Combo Solutions
A combo-solution combines two or more life insurance plans into a single package to satisfy your various financial needs during your life. Future Generali’s combo solutions are listed below.
| Name of the Plan | Eligibility (Min. & Max. Age) | Sum Insured (Min & Max.) |
| Future Generali Assured Advantage Solution | Min. Age- 7 years Max. Age- 50 years | As per your minimum premium Minimum Premium (excl. taxes): ₹70,000 for Age 5 to 44 years ₹1,50,000 for Age 45 to 50 years |
| Future Generali Guaranteed Income Solution | Min. Age- 5 years Max. Age- 40 years | As per your minimum premium Minimum Premium: ₹70,000 |
- Future Generali Assured Advantage Solution: Future Generali Assured Advantage Solution is a hybrid of two life insurance products that provides a guaranteed income while also providing market-linked returns. You can use the guaranteed income to support your family’s standard of living. The plan gives you the tools you need to achieve your financial goals and offer your family the finest possible gift.
- Future Generali Guaranteed Income Solution: Future Generali Guaranteed Income Solution is a collection of life insurance plans that provide you with not only additional income to cover your daily needs, but also a sizable wealth corpus to help you realize your goals. You may now be Future Ready to safeguard your family’s growth and protection.
6. Future Generali Savings Plans
Here are the types of savings plans offered by Future Generali. Let’s discuss them in detail!
i. Traditional Plans
Traditional plans are insurance plans that offer many benefits such as risk protection, set income return, safety, and tax advantages. Individuals should consider the following categories of traditional plans.
| Name of the Plan | Eligibility (Min. & Max. Age) | Sum Insured (Min & Max.) |
| Future Generali Triple Anand Advantage | Min. Age- 7 years Max. Age- 50 years | Minimum Sum Assured: Rs 2,00,000 Max.- No Limit |
| Future Generali New Assure Plus | Min. Age- 3 years Max. Age- 55 years | Minimum – Rs1,00,000 Maximum – No Limit |
| Future Generali Lifetime Partner Plan | Min. Age- 1 years Max. Age- 60 years | Minimum – Rs1,00,000 Maximum – No Limit |
- Future Generali Triple Anand Advantage: Future Generali’s Triple Anand Advantage insurance provides three benefits in one package. It guarantees that you save and methodically receive money so that you have the cash you need to realize all of your dreams when you need them.
- Future Generali New Assure Plus: It’s a dedicated life insurance plan that allows you to secure the financial future of your family with one or two payouts, depending on the plan you choose. You may be comfortable that the hard work you’ve put in to keep your family safe and sound will never be undone if you have this plan in your portfolio.
- Future Generali Lifetime Partner Plan: Future Generali Lifetime Partner Plan, a Life Insurance Plan that offers your family much-needed security as well as a regular income for the rest of your life, up to the age of 100. It also allows you to increase your earnings through cash bonuses (if declared).
These life insurance plus savings plans promise returns in the form of a lump-sum payment or regular payments over time. Let’s have a look at the many types of guaranteed plans:
| Name of the Plan | Eligibility (Min. & Max. Age) | Sum Insured (Min & Max.) |
| Future Generali Money Back Super Plan | Min- 0 Years Max- 60 Years | Option 1 Entry Age 0 years to 50 years: ₹ 90,000/- Entry Age 51 years to 60 years: ₹ 3,00,000/- Option 2 Entry Age 0 years to 50 years: ₹ 71,250/- Entry Age 51 years to 60 years: ₹ 2,37,500/- Maximum: As per Board approved underwriting policy |
| Future Generali New Assured Wealth Plan | For Option 1 – 0 years to 60 years For Option 2 – 18 years to 55 years | Minimum – Rs 90,000 Maximum – No Limits |
| Future Generali Big Income Multiplier | Min Age- 4 years Max. Age- 50 years | For Annual Income Payout Option: – 15.8782 X Annual Premium For Monthly Income Payout Option: – 184.4113 X Monthly Premium |
| Future Generali Assured Income Plan | 7 to 50 years for an 11-year policy term 5 to 50 years for a 15-year policy term | 10 times Annualized Premium |
| Future Generali Assured Money Back Plan | Minimum: 18 years Maximum: 55 years | Minimum Sum Assured: Option A – `58,215; Option B – `49,425 Maximum Sum Assured: No limit, subject to board approved underwriting policy |
| Future Generali Assured Education Plan | Min Age- 21 years Max. Age- 50 years | 10 times Annualised Premium |
| Future Generali Term with Return of Premium | Min Age- 18 years Max. Age- 55 years | Minimum – Option A: Rs2,00,000 Option B: Rs 9,02,119 (For a minimum Monthly Income of Rs10,000) Maximum: As per Board Approved Underwriting Policy |
| Future Generali Jan Suraksha Plus | Min Age- 18 years Max. Age- 50 years | 5 times Annualized Premium |
| Future Generali Assured Wealth Plan | For Option 1 – 0 years to 60 years. For Option 2 – 18 years to 55 years | Minimum – Rs 50,000 Maximum – No Limits (Subject to Board Approved Underwriting Policy of the Company) |
- Future Generali Money Back Super Plan: This is a savings life insurance plan that provides guaranteed money back at predetermined intervals as well as the protection of a life insurance policy. You can now plan for a comfortable life with the assurance of consistent returns and adequate protection coverage.
- Future Generali New Assured Wealth Plan: It’s a type of life insurance that provides you with financial security in the form of a lump-sum death benefit and a guaranteed lump-sum payout at the end of your policy term. It also provides Guaranteed Additions beginning in the eighth year, which are computed using a basic percent rate of the Sum Assured. So, you don’t have to be concerned about growing living costs.
- Future Generali Big Income Multiplier: The Future Generali Big Income Multiplier is a life insurance plan that pays out twice as much as it costs. You’ll have the choice of choosing between an Annual Income Option and a Monthly Income Option for your Life Insurance Plan. You will most likely receive guaranteed income for the next 12 years after the policy period ends.
- Future Generali Assured Income Plan: Future Generali Assured Income Plan is a life insurance plan that provides death benefits as well as guaranteed premium returns. This plan is available in two-term lengths, after which you will get a standard assured yearly income plus an additional benefit ranging from 1 to 4.5 times your annualized premium, depending on the age of the life assured.
- Future Generali Assured Money Back Plan: The Future Generali Assured Money Back Plan is a life insurance policy that guarantees your financial security. This Life Insurance plan gives you a lot of freedom by allowing you to pick from four different
policy periods to find the one that best meets your financial needs based on your present age.
- Future Generali Assured Education Plan: This child education plan allows you to save for your child’s graduation or post-graduation college expenses in a systematic manner until he or she turns 17 years old. It is a form of Guaranteed Income Plan that provides you with three alternatives for receiving Guaranteed payouts based on your child’s educational milestones, so you get the money when you need it.
- Future Generali Term with Return of Premium: Future Generali Term with Return of Premium is a life insurance plan that offers financial protection in the event of death or the return of premiums paid at maturity if you live to maturity. This is a premium-returning plan with a focus on protection.
- Future Generali Jan Suraksha Plus: This is a plan that offers you a low-cost life insurance policy with guaranteed returns at maturity. All you have to do is pay a little one-time fee and receive a life insurance policy with a guaranteed maturity value that is greater than the premium you paid.
- Future Generali Assured Wealth Plan: The plan offers two adjustable alternatives to guarantee that you have the optimal coverage for your savings goals. Depending on the choice you select, your premium will differ. The option must be chosen at the start of the policy and cannot be altered afterwards.
7. Future Generali Group Insurance Plans
Employers, financial institutions, and affinity organizations can give the best to employees, creditors, customers, and other individuals who can be identified as group members through group insurance products. The following are the various types of group insurance policies available:
| Name of the Plan | Eligibility (Min. & Max. Age) | Sum Insured (Min & Max.) |
| Future Generali Sampoorn Loan Suraksha | Min Age- 14 years Max. Age- 70 years | Min.- Rs. 10,000 Max. – No Limit |
| Future Generali Group Superannuation Plan | Min Age- 18 years Max. Age- 79 years | Depending on the minimum premium |
| Future Generali Group Leave Encashment Plan | Min Age- 18 years Max. Age- 69 years | Rs. 5,000/- (Per Member) Fixed |
| Future Generali Group Gratuity Plan | Min Age- 18 years Max. Age- 69 years | Rs. 5,000/- (Per Member) Fixed |
| Future Generali Group Term Life Insurance Plan | Min Age- 18 years Max. Age- 69 years | For social groups with 5000 members or above – Rs 5000/- per member. For other groups – Rs 5000/-. |
| Future Generali Loan Suraksha | Min Age- 18 years Max. Age- 65 years | Min.- Rs. 20,000 Max. – No Limit |
| Future Generali Comprehensive Employee Benefits Plan | Min- Rs. 5000 per member for gratuity and leave Encashment and NIL for superannuation Max.- No Limit |
- Future Generali Sampoorn Loan Suraksha: Generali Sampoorn Loan is a Group, Non-Linked, Non-Participating (Without Profits), Pure Risk Premium, and Credit Life Insurance Plan specifically designed exclusively for new/existing financial institution customers. The Plan protects the credit/loan by covering the borrowers for death and catastrophic illness.
- Future Generali Group Superannuation Plan: Future Generali Group Superannuation Plan is a fund management Non-Linked Participating Group Superannuation Product. Earnings from this product will be distributed as a bonus at the end of the fiscal year. Once credited to your Superannuation insurance account, the annual declared bonus amount is guaranteed.
- Future Generali Group Leave Encashment Plan: Future Generali Group Leave Encashment Plan is a fund-managed non-linked non-participating group leave encashment product. This plan pays interest, which is credited to the account after the fiscal year. Once the interest is credited to the insurance account, it is guaranteed.
- Future Generali Group Gratuity Plan: Future Generali Group Gratuity Plan is a fund-managed non-linked non-participating group gratuity product. This plan pays interest, which is credited to the account after the fiscal year. Once the interest is credited to the insurance account, it is guaranteed.
- Future Generali Group Term Life Insurance Plan: Employers or organizations that want to financially safeguard the families of their employees or members should consider a term insurance plan. Monthly, you can add and remove members. It’s a tool for motivating employees and increasing their retention. Surrender Benefits are not available with this group insurance plan.
- Future Generali Loan Suraksha: It’s a form of group insurance plan that intends to provide all borrowers with life insurance, hence securing the credit/loan. This loan insurance plan can be purchased as a single life, joint life, or co-borrower. Each joint-life premium is eligible for a 10% discount on a joint life policy. Your member receives tax benefits under the loan insurance plan, which are based on current tax regulations.
- Future Generali Comprehensive Employee Benefits Plan: This is a single group insurance plan for all employee benefits, including gratuity leave and superannuation. A unit-linked fund-based group life insurance plan created exclusively for businesses as a single solution for managing the statutory requirement of providing gratuity and other employee benefits.
Why Go with Future Generali Life Insurance?
The following are some of the advantages of choosing Future Generali India Life Insurance for your insurance needs:
1. A Diverse Selection of Exciting Insurance Options: Future Generali India Life Insurance offers a diverse choice of life insurance products that provide intriguing possibilities. Term insurance and endowment policies are both options. To ensure your family’s future, you have a tempting array of retirement and savings plans to select from. Health insurance policies give financial protection from escalating medical expenditures.
2. Simple to Apply and Maintain: Future Generali India Life Insurance allows customers to buy life insurance policies online. You may also renew your coverage and pay your premiums online.
3. Customer-Friendly Claim Process: Future Generali India Life Insurance is one of the best in the industry because of its simple claim procedures. Furthermore, for the fiscal year 2020-21, the corporation has an excellent claim settlement ratio of 94.86 percent.
4. Security of Your Premiums: The organization has a sizable financial backing, with over $51.424 million in assets under control. As a result, your premiums are safe.
5. Availability of Useful Riders: Future Generali India Life Insurance provides good riders to its subscribers at a low cost, including accidental death and complete or permanent disability riders.
Premium Calculation of Future Generali Life Insurance Plans?
If you want to know the precise amount of the Future Generali Life Insurance premium, go to the company’s official website. Let’s use an example to give you a better understanding of it!
Let’s take an instance to understand!
To ensure the financial future of their loved ones, Rahul, Rekha, and Piyush have opted to purchase a “Future Generali Big Dreams Plan”. The premium amount that each person must pay is determined by the coverage, gender, the amount you want to create, age, insurance term, and sum assured.
Let’s take a look at the table given below;
| Name | Gender | Age (In Years) | Wealth You Wish to Create | Premium |
| Rahul | Male | 30 | Rs. 10 Lakhs | Rs. 5,952 per month |
| Rekha | Female | 40 | Rs. 20 Lakhs | Rs. 11, 981 per month |
| Piyush | Male | 50 | Rs. 50 Lakhs | Rs. 30, 691 per month |
How To Invest in On Future Generali Life Insurance policies?
If you want to purchase one of Future Generali’s insurance plans, you must first complete the following procedures:
Online Method
1. Go to the company’s official website.
2. Simply choose the plan you want to buy!
3. You will then be directed to the insurance plans, from which you must select one.
4. After that, fill in all required information like your name, mobile number, age, amount you wish to create, and then select “Buy Now.”
5. Once you are done making the payment, your insurance information will be mailed to your registered address.
Offline Method
If you prefer to buy the policy in person, go to your nearest Future Generali location. When you visit the location before purchasing a policy, you will receive all of the insurance information you require. However, if you continue to have issues, you can contact Probus Insurance for assistance.
Claim Process of Future Generali Life Insurance
The procedure for filing an insurance claim with Future Generali is as follows:
Step 1: Claim intimation
• Complete the Claim Form
• Include a death certificate / medical certificate of death from the hospital, as well as bank account information.
• Submit all the necessary documents at the nearest branch
Step 2: Claim Processing
The claim will be evaluated by the company’s claim specialist.
If more information is needed, the company will contact the claimant via phone, SMS, or letter.
Claim 3: Claim Decision
The company shall make a final decision within 10 days of receiving all required papers and verification findings (where applicable) and will notify the claimant of our decision.
To ensure prompt payment, the claim is transferred via direct credit to the claimant’s account.
Documents Required for Processing Claims
- Certificate of Death
- Certificate of Medical Cause of Death
- Copy of the original policy document
- An original cancelled check with a printed name on it, as well as a photocopy of a passbook or bank statement, as well as a coloured image of the same.
- Proof of Life Assured’s photo ID and date of birth
- Photo identification and evidence of the date of birth for the nominee
- The nominee’s relationship proof
- Pan card of the nominee
- Insurance Claim Forms
- Case Papers for Indoor Use
- Summary of Discharge / Death
- Post-Mortem Analysis
- Report on Chemical Viscera
- Police First Information Report
- Police Final Investigation Report
- Panchnama
- Cutting from the newspaper (if any)
- A valid driver’s licence
Frequently Asked Questions
Here are the frequently asked questions about Future Generali Life Insurance:
A variety of factors determine the amount of life insurance you may purchase, including your monthly income, your family’s lifestyle, and the number of people in your household, among others. To support your family and assist them to reach important financial and life goals, it’s usually a good idea to have roughly 20-25 times your annual salary.
Future Generali offers you the option to log in securely to the client portal and examine the fund value under the policy if you need to know the NAV (Net Asset Value) of your funds to determine the total Fund Value of your investment.
Borrowing against a life insurance policy with a Surrender Value is possible. Please consult your policy document for information on the minimum and maximum borrowing amounts available to you. The policy loan can be used for active policies (not in the grace period) at any time after three policy years have passed.
On the outstanding balance of the loan, we shall charge interest at a rate that we may announce from time to time (the rate of interest will depend on the prevailing market conditions).
The Nominee designated in the Policy, as well as any Legal Heir/blood related of the Life Assured, may file a claim. Future Generali India Life Insurance agents can also notify the company and provide the relevant papers. However, the agent can only do so if the nominee or legal heir/blood family of the Life Assured has permitted him.
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