Robinhood Insurance Broker Private Limited

Product Info





Launch Date


Withdrawn Date

Product Overview

Presenting Future Generali’s Triple Anand Advantage insurance plan, a plan with 3 in 1 benefits. It ensures that you save and receive money in a systematic manner so that when you need funds, you have them in order to materialise all your dreams. So go ahead, enjoy the triple benefits and live life with a smile.

Product Description

  • Policyholders have a choice of two limited premium payment terms of 15 and 20 years
  • On turning 80 years of age, the policyholder receives another lump sum payout
  • The bonuses available accrue throughout the policy term and help generate more wealth for the policyholder
  • Policyholders enjoy a high insurance cover as the minimum Sum Assured is two lakhs and there is no limit on the maximum Sum Assured.


I hereby authorize OneInsure to communicate with me on the given number for my Insurance needs.
I am aware that this authorization will override my registry under NDNC.


Unique Features

  • Future Generali Triple Anand Advantage is a traditional endowment plan with bonus
  • Policy term is premium paying term plus 5 years
  • The plan provides guaranteed payout of 10% of sum assured for 5 years after the end of the premium paying term plus 50% of sum assured on maturity plus 100% of sum assured on life assured attaining age 80 years


Eligibility Criteria

Eligibility Criteria
  Minimum Maximum
Entry Age 7 years 50 Years
Max age of Maturity 27 years 75 years
Premium Rs. 15,000 No Limit
Premium Modes Gold (Annual Premium = Rs. 25,000) Platinum (Annual Premium > Rs. 25,000)
Yearly/Half-Yearly mode Yearly/Half-Yearly/Quarterly/Monthly (ECS) 
Policy Term Premium Payment Term + 5 years
Premium Paying Term 15 or 20 years
Minimum Sum Assured Rs. 2,00,000
Premium Payment Frequency Annual, Semi-Annual and Monthly
Notes :- Maximum Annualised Premium which can be opted under the Platinum option is Rs.2,00,000.

OneInsure App Benefits

Store Digitally  |  Get Premium Reminders  |  Service and Claim assistances  |  Empower Nominee
Download OneInsure App :

Product Benefit

  • Maturity :
    5 years after your Premium Payment Term, you will receive a Lump Sum payout equal to 50% of the Sum Assured  +   any declared Compounded Reversionary bonus + any Terminal Bonus
  • Survival Benefit :
    If you have paid all your premiums till the completion of the Premium Payment Term, you will receive 5 annual payouts equal to 10% of your Sum Assured which is called the Survival Benefit. These payouts will begin at the end of the same year in which you paid your last premium.
  • Death :
    105% of all the premiums paid (excluding taxes, rider premiums and extra premiums, if any) as on date of death; or  Death Sum Assured + Accrued Compounded Reversionary Bonuses (if any) plus Terminal Bonus (if any)
  • Extended Life Cover :
    Your insurance cover will be active till you turn 80. Once you reach 80 years of age, you will receive another Lump Sum payment equal to 100% of your Sum Assured which is called the Extended Cover Payout.

Other Policy Features

Feature Description
Summary of Benefits
Your Benefits 15 Year PPT 20 Year PPT
Regular Payouts 10% of Sum Assured every year from the end of the 15th year till end of the 19th policy year. 10% of Sum Assured every year from the end of the 20th year till end of the 24th year.
Lump Sum Payout 50% of Sum Assured + Compounded Reversionary bonuses1 (if any) + Terminal Bonus2 (if any) at end of 20th year. 50% of Sum Assured + Compounded Reversionary bonuses1 (if any) + Terminal Bonus (if any) at end of 25th year.
Extended Cover Benefit 100% of Sum Assured on turning 80 years or 100% of Sum Assured paid to the nominee in case of death before 80 years.
1. Compounded Reversionary Bonus At the end of each financial year, the Company may declare a bonus expressed as a percentage of the Sum Assured and all previous bonuses declared. The bonus of each year is added to the Sum Assured and the next year’s bonus is calculated on the enhanced amount.
2. Terminal Bonus The Company may declare a discretionary terminal bonus which is payable on death or maturity of the plan
Surrender Value The amount payable on surrender will be higher of the Guaranteed Surrender Value (GSV) and Special Surrender Value (SSV).
Guaranteed Surrender Value • The GSV shall be X% of total premium paid (excluding taxes, rider premium and extra premiums, if any) plus Y% of vested Compound Reversionary Bonus, if any
Where X% and Y% are as given in the Table below.
Policy Year of Surrender X% (GSV Factor for Premiums) X% (GSV Factor for Premiums) Y% (GSV Factor for Vested Bonus)
Premium Payment Term Premium Payment Term
3 30.00% 30.00% 8.00% 4.00%
4 50.00% 50.00% 9.00% 5.00%
5 50.00% 50.00% 11.00% 5.00%
6 50.00% 50.00% 12.00% 6.00%
7 50.00% 50.00% 14.00% 7.00%
8 50.00% 50.00% 16.00% 8.00%
9 50.00% 50.00% 19.00% 9.00%
10 50.00% 50.00% 21.00% 11.00%
11 52.00% 50.00% 25.00% 12.00%
12 54.00% 52.00% 28.00% 14.00%
13 56.00% 53.00% 33.00% 16.00%
14 58.00% 55.00% 38.00% 19.00%
15 60.00% 56.00% 43.00% 21.00%
16 62.00% 58.00% 50.00% 25.00%
17 64.00% 59.00% 57.00% 28.00%
18 66.00% 61.00% 66.00% 33.00%
19 68.00% 62.00% 76.00% 38.00%
20 70.00% 64.00% 87.00% 43.00%
21 70.00% 65.00% 87.00% 50.00%
22 70.00% 67.00% 87.00% 57.00%
23 70.00% 68.00% 87.00% 66.00%
24 70.00% 70.00% 87.00% 76.00%
25 70.00% 70.00% 87.00% 87.00%
26 & Above 70.00% 70.00% 87.00% 87.00%
Notes :- Any benefits paid will be deducted from the Guaranteed Surrender Value.
Special Surrender Value It is calculated as: [(Special Surrender Value Factor for Sum Assured) x (Paid-up Sum Assured)] plus [(Special Surrender Value Factor for Vested Bonus) x (Vested Compound Reversionary Bonus)]
Any benefits paid would not be deducted from the Special Surrender Value
A policy terminates on surrender and no further benefits are payable under the policy.
Non-Payment of Premium Non-payment of due premiums during the first three policy years
If due premiums for the first three (3) policy years have not been paid within the grace period, the policy shall lapse. All risk cover ceases while the policy is in lapsed status. The Policyholder has the option to revive the policy within two years from the date of first unpaid due premium. In case the policy is not revived during the revival period
Provided the Policyholder has paid premium for atleast first two (2) Policy years and subsequent premiums have not been paid, a lapse value equal to 30% of the premiums paid
Provided the Policyholder has not paid premium for the first two years in full, no lapse value (benefit) shall be payable at the end of revival period and the policy will terminate
Paid-Up Value If due premiums for the first three policy years have been paid and any subsequent premium is not paid within the grace period, the policy will be converted to a Paid-Up policy and the Sum Assured and Death Sum Assured will be reduced in the same proportion as the ratio of number of premiums paid to the total number of premiums payable under the policy
In case of Death of the Life Assured during the Policy Term, reduced Death Benefit along with accumulated bonuses, if any, till the date of first unpaid premium, will be paid to the nominee and the policy will terminate.
Survival and Extended Benefits will be paid as percentage of reduced Paid-Up Sum Assured
You can surrender your Paid-Up policy anytime.


No riders are available under this product


If the Life Insured under the Policy, whether medically sane or insane, commits suicide, within one year of the date of reinstatement of the Policy, the Policy shall be void and the Company will only be liable to pay the higher of 80% of premiums paid or the surrender value.

Tax Benefits

Tax benefits will be as per Section 80C & Section 10(10D) of the Income Tax Act, 1961

Claim Process

Know Claim Process of Future Generali Triple Anand Advantage

Claim Process

Company Overview

Future Generali Life Insurance is a joint venture between three leading groups: Future Group - A leading retailer of India, Generali Group - A global insurance group that features among the top 50 largest companies of the world and Industrial Investment Trust Limited (IITL) - A leading investment company.Future Generali Life Insurance, incorporated in September 2007, is present across 84 branches.


OneInsure is owned by Robinhood Insurance Broker Pvt. Ltd.

Robinhood is known for its user & customer centric approach. We take care of all the phases of insurance, whether you've bought the policy from us or not.


That’s a good decision!

By clicking on the “SUBMIT” button, I accept the Terms & Conditions and authorise OneInsure representatives to contact me via Call / SMS / Email


A OneInsure representative will call you shortly.

Tab 2

2 burgers per month

burger₹ 700
Your yearly cost on fast food = roughly ₹ 8,400
Cost of Health Insurance for whole family with ₹ 5 lakhs cover!

Tab 3

That’s a good decision!

By clicking on the “SUBMIT” button, I accept the Terms & Conditions and authorise OneInsure representatives to contact me via Call / SMS / Email


A OneInsure representative will call you shortly.

Get ₹. 50 Lakhs
on retirment by saving
₹. 3,900/ Month.