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| Janashakthi Life Unlimited is a unique 20 year Financial Plan, with a package of in-built benefits some of which continue even after the policy matures. It is the best life insurance solution available in Sri Lanka, and is unmatched by any other product. |
| What is unique About Janashakthi Life Unlimited? |
 | It is a Financial Plan which provides you life time medical protection. |
| It is a Financial Plan which provides you life long natural and accidental death insurance. |
| These insurances are available for your entire lifetime without any payment of premium after the 20th year. |
Eligibility Criteria and Other Conditions
| Minimum age at entry | : | 19 Years |
| Maximum age at entry | : | 50 Years |
| Premium paying period | : | 20 Years |
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| This is an example of a typical Janashakthi Life Unlimited policy where the basic sum insured is Rs.400,000/=. |
| Benefits during the Premium Payment Period |
| Hospitalisation Benefit :
You are covered for Rs.80,000/= per year for the 20 year period. |
| Critical Illness Insurance :
If you are diagnosed with any one of the 22 critical illnesses listed by us you will receive a payment equivalent to the Insured Amount, i.e. in this instance Rs.400,000/= (subject to policy terms & conditions). |
| Natural Death Benefit :
Pays twice the Insured Amount and in this instance Rs.800,000/= to your loved ones. |
| Personal Accident Death Benefit :
Pays 4 times the Insured Amount and in this instance Rs.1,600,000/=. |
| Total and Permanent Disability :
In the event of your total and permanent disablement the policy pays twice the insured amount and further premium payments are waived. In this instance you will receive Rs.800,000/=. |
| Partial Permanent Disability :
A specified % of the Insured Amount (in this instance Rs.800,000/=), depending on the nature of the disablement. |
| Benefits at Maturity |
| You will receive 150% of the Insured Amount and in this instance Rs.600,000 will be paid to you. |
| Even though the Policy has matured, certain important benefits will continue as long as you live, without payment of any additional premium. |
| Hospitalisation Benefit :
Your hospitalisation benefits will continue unchanged for the rest of your life. In this instance it will be Rs.80,000/= per year for as long as you live. |
| Natural Death Benefit :
20% of the Insured Amount, and in this instance Rs.80,000/= will be paid to your beneficiary on your death. |
| Accidental Death Benefit :
A sum equivalent to the basic insured amount and in this instance Rs.400,000 will be paid to your beneficiary in the event of death by accident. |
| Enhanced Protection for You |
| For a nominal additional premium you can enhance your life cover up to 10 times the insured amount, and the personal accident cover (death, total & permanent disability, partial & permanent disability) up to 20 times the insured amount. Critical illness cover too can be enhanced up to the value of the total life covers. |
| Protection for Your Spouse |
| For nominal additional premia you can include your spouse as well under this policy. Your spouse can receive life cover up to the value of the life covers taken by you. Personal accident (death, total & permanent disability, partial & permanent disability) and Critical illness covers can also be taken up to the value of the respective covers you have taken. |
| Annual hospitalisation cash plan up to 1% of the insured amount per day, up to 50 days (excluding first 3 days in hospital). Your spouse will be entitled to this benefit each year, even if there is was a claim in a previous year. |
| Protection for Your Children |
| Children below 18 years can be included for the annual hospitalisation cash plan. |
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| If you need to meet one of our professional Financial Advisors to customise Janashakthi Life Unlimited Financial Protection Plan according to your distinct needs and wants please click here to Contact Us. |
| Download Proposal Form |
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