It’s a savings plan that also protects your family, rolled into one. You set aside money regularly as low as 100,000/= for a number of years. When the plan ends, you get a one-time cash payout made up of what you’ve saved plus extra earnings (called bonuses) that build up over time, and if life takes an unexpected turn and you’re no longer around, your loved ones still receive the full payout. That way, the future you were working toward for them is still within reach, even in your absence.

This policy is ideal if:

You're planning for a future goal; like building a home, paying school fees, or starting a business
You prefer saving with structure and discipline
You want peace of mind knowing your family is protected, even if life takes an unexpected turn

Your savings don’t sit idle.

Behind the scenes, ICEA LION invests your contributions wisely, so you gain from the growth of our professionally managed life fund through annual bonuses added to your plan.

Choose how you want to pay

Whether you're salaried or self-employed, you can choose what works for you — monthly, quarterly, half-yearly or annual payments.

Add extra protection when you need it

Want more peace of mind? You can top up your plan with low-cost add-ons at any point. These include:

Disability cover
Accidental death cover
Critical illness benefit
Last expense (funeral) support

Pause if you must, resume when you’re ready

Sometimes you just need a break. If things get tough, you can take a contribution break (we call it "re-dating") and resume later without any penalties. Just keep in mind you can only re-date twice.

Get access to your savings if needed

After 3 years, your plan builds value — so you can borrow against it in case of emergency. You can apply for a policy loan based on how much your policy is worth (not just the final payout).

Guaranteed lump sum payout at the end

When your policy matures, you receive everything in one go — the guaranteed sum plus all the bonuses you’ve earned. It’s a powerful way to hit that long-term goal you’ve been working toward.

Tax-free benefit

Life happens. If you're unable to make payments, here’s what you can do:

Take a Break

Pause your policy and resume later — your term will adjust accordingly.

Automatic Premium Loan

If your policy has been active for at least 3 years, we’ll keep it running by using the policy value to cover missed payments. This loan will be deducted from your final payout.