You can get regular payout through systematic partial withdrawal in the RLI option. You can decide to receive RLI at any policy anniversary when you turn 55 years or after 10th policy year, whichever is later. Here, a percentage of your fund value (ranging from 0 to 12% per annum), as opted by you is paid yearly, half-yearly, quarterly or monthly. The instalment is paid by redeeming units from the funds in the same proportion as the fund value in each fund and will be redeemed at the unit price applicable on the date of each RLI instalment.

RLI payment is through Systematic Partial Withdrawal and the percentage can be changed anytime during the policy term or even after starting RLI. However, the fund value after payment of the instalment of RLI should not drop below 105% of total premiums paid till date.

As a policyholder you have the option of switching out from any of the four portfolio strategies of Investor Selectable Portfolio Strategy, Wheel of Life Portfolio Strategy II, Trigger Based Portfolio Strategy or Auto Transfer Portfolio Strategy to any portfolio strategy except Trigger Based Portfolio Strategy. You can opt for Trigger Based Portfolio Strategy only at the time of inception. You will need to give 30-days written notice before the policy anniversary to go for the switching option.

The PROMC enhances your returns by periodically adding back the mortality charges to the fund value. The first addition is when the policyholder attains 60 years of age or at the end of the 15th policy year, whichever is later. The next additions are at the end of each subsequent 10th year, and the last addition is on the date of maturity. However, PROMC is not applicable in case of a surrendered, discontinued or paid-up policy and will be payable provided all due premiums under the policy have been paid up to date.