Sarmaya Gold is a Single Premium Universal Life product of choice when lump sum cash from a regular savings, business profits, an inheritance, an insurance payout, a gift or even a lottery windfall is to be invested together with life insurance coverage.


Sarmaya Gold life insurance is specifically designed to offer highest cash-value growth potential together with life insurance. In this policy, there is no on-going premium commitment required i.e. only one premium is enough for your policy to sustain and produce high cash values (more investment potential) for the full term of the policy.


If the policy matures, or if you withdraw 100% of your cash value at an earlier age, you will have to choose one of the following options to receive your accumulated amount.
  • Single Lump Sum
  • Life Long Pension
  • Combination of Lump Sum Payment and Life Long Pension

The resulting benefits can be used for
  • Marriage
  • Business ventures
  • Grandchildren
  • Retirement
  • and many more useful projects

You can set the amount of premium payment based on your policy’s death benefit and financial objectives subject to a minimum premium depending on your age and choice of sum assured. The amount of single premium cannot be less than Rs 100,000. You can choose a sum assured from 5% to 100% of the amount of single premium.


After two policy years have been completed, you can make withdrawals from your account value to meet your cash needs. The policy will result in much higher cash values if no amount is taken out of the policy as withdrawal. Hence, it is in your best interest not to make withdrawal from your policy unless there is really a genuine need.


Evidence of good health


Benefit Payable on Maturity


Benefits Payable on Natural Death of Life Insured


Benefits Payable on Accidental Death of Life Insured


Lump sum additional premium


Account Value


Expenses and Mortality Charges


Partial Withdrawals


Cash Surrender Value


Pension from an age of your choice

Minimum age at entry
18 years

Maximum age at entry
60 years

Minimum Term
5 years

Maximum Term
25 years or upto the age of 70 years, whichever is earlier


how to prevent spam