For your family's future protection

As a devoted husband and a loving father, it is only natural you perceive your family as your whole world. You’d do everything in your power to provide for them, care for them and ensure that they have a happy and secure life. So it’s no surprise if you’ve considered further securing their future with an insurance cover.
For most people, a family insurance policy is a strain on the wallet or they find it impossible to choose the perfect insurance scheme that fulfils their needs and the needs of their family. It is with this in mind that we have designed the Ceylinco Life Endowment Insurance Policy.

An introduction to the Ceylinco Life Endowment Insurance Policy

What is unique about the Ceylinco Life Endowment Policy is that it allows you to personalize your insurance plan to fit your income as well as your needs. What’s more, you will pay a nominal premium and still receive bigger, better benefits.
If you're between the ages of 18 to 60 years, you can obtain a Ceylinco Life Endowment Insurance Policy for a period of 5 to 40 years.

How does Ceylinco Life Endowment bring you benefits?

Example: If the policyholder is 30 years old and obtains a Ceylinco Life Endowment Insurance Plan for a period of 20 years, the benefits received will be as follows:

You can also add any of the following rider benefits for a low premium to personalize your plan and increase the value of your Ceylinco Life Endowment Policy and, in turn, obtain maximum benefits for you and your family.

Ceylinco Life Family Protection Benefit
Ceylinco Life Yugadivi
Ceylinco Life Family Digasiri Plus
Ceylinco Life Jeewa Yathra
Ceylinco Life Family Hospital Cash
Ceylinco Life Major Surgery
Ceylinco Life Extra Cover
Ceylinco Life Family Income Benefit

Does the Ceylinco Life Endowment Insurance Policy entitle you to Ceylinco Life Rewards?

Yes! You will receive the same life rewards enjoyed by Ceylinco Life policyholders for Ceylinco Life 65 Plus, Ceylinco Life Pranama Scholarship, Ceylinco Life Cash Bonus, Ceylinco Life Aloka.

Finally, an affordable, personalized policy to help you protect your family!

It is indeed a great pleasure for us to bring you the Ceylinco Life Endowment Insurance Policy. Now you can finally rest assured knowing that you and your family would receive maximum benefits from an affordable policy that really meets your requirements. To find out more about obtaining and personalizing your Ceylinco Life Endowment Insurance Policy, call us today at (011) 2 461 461.

The policy that helps you meet financial commitments

Like all loving fathers, you want to give your family everything the world has to offer because they deserve the best. You want to provide for every single need, and buy them everything that will make them happy so that you can enjoy life together. You want to share your dreams for the future with your family. But the future is uncertain and any unwanted accident could shatter your dreams forever. How will you cover the financial needs of your family then?

This is where Ceylinco Life Advance Payment Policy can help you. With the regular advance payments you receive, you can buy valuable gifts for your family or you can even deposit these payments in a savings account. In case of your sudden demise, the advance payments will not be deducted. Hence your family is well provided for, because they will receive the total sum assured along with bonuses. Thus you will be able to give your family the best that they deserve.

About Ceylinco Life Advance Payment Policy

This innovative and multifaceted policy is both protection and an investment. If you are between the ages of 18 and 60, you can take out a policy for 10, 15, 20, or 25 years. At regular intervals, you will receive advance payments that will help you provide for your family's financial needs.
At maturity, you will receive the balance payment plus bonuses.
The uniqueness of this policy is that it provides full life insurance cover for your family, in the event of your demise. Ceylinco Life Advance payments already made will NOT be deducted.

How does this work?

Let's suppose that you are 30 years old. If you assure a basic cover of Rs. 250,000/-, for a term of 20 years, you get an advance payment periodically (see chart) till the policy reaches maturity. At the end of the term, you will receive the balance of the sum assured with bonuses accumulated over the policy period.

Optional Benefits that can enhance your Advance Payment Insurance Policy

Ceylinco Life Yugadivi
Ceylinco Life Family Protection Benefit
Ceylinco Life Family Digasiri
Ceylinco Life Jeewayathra
Ceylinco Life Family Hospital Cash
Ceylinco Life Major Medical 500
Ceylinco Life Extra Cover
Ceylinco Life Family Income Benefit

Can you receive Ceylinco Life Rewards with Ceylinco Life Advance Payment Yes, Ceylinco Life Insurance Policyholders are entitled for special benefits, such as Ceylinco Life 65 Plus, Ceylinco Life Pranama Scholarships, Ceylinco Life Cash Bonuses and Ceylinco Life Aloka.
Give your family the very best
So why wait any longer? It's time your family got more out of life. They deserve the best and now Ceylinco Life Advance Payment Policy makes it possible for you to give them the best of life. Just call (011) 2 461 461 and you and your family can live happily ever after.

Life Insurance that grows with you

“The dream was always running ahead of me. To catch up, to live for a moment in unison with it, that was the miracle.” - Anais Nin

We all have dreams. Some bigger than others. And some dreams keep growing with us through life. The challenge lies in what we do to achieve them. Ceylinco Life Double Growth is a unique Ceylinco life plan that protects you and your loved ones while your policy grows each year like an investment plan. It is not only a sensible investment on life and a solution to inflation, but also a means of securing your dreams.

Introducing Ceylinco Life Double Growth

Ceylinco Life Double Growth is not only a life Insurance policy. It’s also an investment. So it continues to grow along with you and your life cover. Most importantly, you’ll know that it’ll grow with your dreams into the future.

Who is eligible for this policy?

If you are between the ages of 18 to 60 years you too can obtain a Ceylinco Life Double Growth Policy. You can choose a plan of 5 to 25 years that can be customised to match your income, your needs and the needs of your family.

What’s unique about Ceylinco Life Double Growth?

With Ceylinco Life Double Growth your initial sum assured of the policy grows each year. Contingent on the plan you choose, your sum assured will grow by 5% or by 10% per annum. Plus when you receive your maturity benefit you’ll also receive an attractive bonus. What’s amazing about Ceylinco Life Double Growth is that the premium you pay remains the same while your benefits continue to grow.

Doesn’t it feel great to know that your dreams are closer than you ever imagined?

How does Ceylinco Life Double bring you benefits?

Here’s an example: If you’re 30 years of age and obtain a Ceylinco Life Double Growth policy of Rs. 1,000,000 for a term of 20 years, your policy will grow with you as shown in the table below:

Year	Growth by 5%	Growth by 10%
1	1"000"000	1"000"000
2	1"050"000	1"100"000
3	1,100,000	1,200,000
4	1,150,000	1,300,000
5	1,200,000	1,400,000
6	1,250,000	1,500,000
7	1,300,000	1,600,000
8	1,350,000	1,700,000
9	1,400,000	1,800,000
10	1,450,000	1,900,000
11	1,500,000	2,000,000
12	1,550,000	2,100,000
13	1,600,000	2,200,000
14	1,650,000	2,300,000
15	1,700,000	2,400,000
16	1,750,000	2,500,000
17	1,800,000	2,600,000
18	1,850,000	2,700,000
19	1,900,000	2,800,000
20	1,950,000	2,900,000
Payment at maturity	2,000,000	3,000,000

In addition to this you will also receive an attractive bonus from Ceylinco Life. This growth is illustrated in the graph below:

Receive even more benefits with Ceylinco Life Double Growth

For a small extra premium you can add one or more of the following benefits to your Ceylinco Life Double Growth plan and receive more benefits and more protection for yourself and for your family.

Ceylinco Life Family Protection Benefit
Ceylinco Life Yugadivi
Ceylinco Life Family Digasiri
Ceylinco Life Jeeva Yathra
Ceylinco Life Family Hospital Cash
Ceylinco Life Major Medical
Ceylinco Life Extra Cover
Ceylinco Life Family Income Benefit

Does Ceylinco Life Double Growth include benefits of Ceylinco Life Rewards?

Absolutely. You will receive the same Ceylinco life rewards enjoyed by Ceylinco Life policyholders. These Ceylinco Life Rewards include Ceylinco Life 65 Plus, Ceylinco Life Pranama Scholarship, Ceylinco Life Cash Bonus, Ceylinco Life Aloka.

Ceylinco Life Double Growth will bring you double the benefits of a life policy by protecting you and your family while your investment grows each year to maximise your maturity benefits. What you do with your benefits depends on how big you dare to dream….

This brochure is for information only. This is not a contract of Insurance. The precise terms and conditions will be detailed in the Policy document.

For more information on Ceylinco Life Double Growth call (011) 2 46 1 461

The first-ever Education Plan –it’s unique, in that it protects your child's future and provides for education. SIPSETHA pays Education Annuities during the decisive Ordinary Level, Advanced Level and higher studies years. More importantly, SIPSETHA will triple the Annuity and waive further payment of premium, if your child is left without your support. SIPSETHA will help you provide your child with the all-important extra help, to help him or her emerge above the rest in competitive examinations.
Example:
If you have a Ceylinco Sipsetha Plan with a sum assured of Rs. 200,000/- for a period of 20 years and assume that your child is 3 years old, the benefits he/she receives during the last 8 years is illustrated below.Every parent’s dream is to educate their children and to make sure they lead a successful life in their future. Parents strive hard to achieve this, which is exactly why Ceylinco Life helps to make this dream come true easier. Your children will be well taken care of during their life of schooling. That’s not all; we also provide financial support for your children’s education.

A father’s pride and joy, you are my son.

When a baby is born, imagine the hopes and dreams that ?ll a father’s mind. These emotions aren’t felt by a single father alone but by the millions of dads around the world.

Ceylinco Life Ran Daru is the means by which every loving father can ful?l his hopes and dreams for his precious child.

If, unexpectedly, you aren’t there for your child anymore, your plans for your child’s future development will still be a reality with Ceylinco Life Ran Daru, while the shadow of your love watches over your precious child.

This is how Ceylinco Life Ran Daru will benefit your child.

Ran Daru Basic Education Fund

If you’re suddenly no longer there for your child, he or she will receive an immediate fund from Ceylinco Life Ran Daru which is ?ve times the value of the policy so your child’s education will not be disrupted. This money will go towards your child’s basic education and for the development of his or her talents.

Ran Daru Higher Education Fund

When your child turns 18, he or she will be paid minimum of 5 times the value of the policy for higher education from Ran Daru Higher Education Fund. Your child may utilise this money for any of the following occasions:

01. To gain admission to University, local or abroad.

02. For professional studies.

03. To invest in his/her own business. In other words, your child can use this money to plan out his or her entire future.

If by accident, you are tragically taken away from your precious child forever, the bene?ts listed above will automatically be doubled.

Given below is a chart showing you how your child will receive Ran Daru bene?ts.

Monthly Income Protection Benefits

If you become totally and permanently disabled as a result of sickness or an accident, you will receive ten times the basic policy value in 120 monthly instalments to pay for your child’s education. And all future premiums will be waived off.

If, by accident, you are partially disabled, you will receive a percentage of ten times the basic policy value.

If nothing happens to you, your child will still receive the value of the policy along with attractive annual bonuses. So, the maturity value will be a signi?cant one.

Additional Medical Benefits

There is a comprehensive optional medical cover on offer for you and your child at a very low premium. This will cover hospitalisation, critical illnesses and 525 types of surgical operations.

Special Privileges For Your Precious Child

The minute you get your child a Ceylinco Life Ran Daru, he or she will automatically qualify to apply for Ceylinco Life Pranama Scholarships, which are offered only to children of Ceylinco policyholders. Ceylinco Life Pranama scholarships are given to every district, every year. The value of these scholarships range from Rs.25,000/- up to Rs.126,000/-

A woman plays many roles in her life, that's why she needs extra protection

A woman’s contribution to the wellbeing of society is immeasurable; as a daughter, wife, mother or a professional, you render a great service to the nation. As a woman, you play many roles in society and toil in performing your duty toward others. Therefore, it is essential to respect your dedication and commitment and care, for your services to others around you.

Ceylinco Life understands the incomparable service of women, which is why Ceylinco Life offers ‘Saubhagya’, an insurance policy specially designed for women. The unique feature of Ceylinco Life Saubhagya - is that the policyholder receives a comprehensive life insurance cover with an attractive saving.

Who is eligible for this policy?

Ceylinco Life Saubhagya is for females between 18 and 45 years of age.

What’s unique about Ceylinco Life Saubhagya?

01.It is an investment linked life insurance policy which provides a critical illness cover as well.

Life cover = 10 times the annual premium + Illness Benefit* + Investment Account Balance.
* The Critical Illness Benefit is equal to 10 times the annual premium and applies only if it has not been claimed during the term of policy.

02.10% of basic sum assured will be paid upon the completion of five years.
(basic sum assured = 10 times of the annual premium)

03.Insurance cover for 15 critical illnesses

04.Critical Illness Benefit will double upon the diagnosis of breast cancer, ovarian cancer and womb cancer.

05.An attractive maturity value which is equal to the account balance accrued.

How does the investment account work?

A percentage of each balance premium after deducting premia for riders is credited to your investment account depending on the policy year. The account accumulates according to the accumulation rate at the end of each month.

How does Ceylinco Life Saubhagya benefit you?

Ceylinco Life Saubhagya is special because it can be customized to match your income and your needs. The minimum premium instalment is Rs. 1,500/- and premium should be in multiples of Rs. 500/-

How does Ceylinco Life Saubhagya offer you protection?

Assuming that you are at the age of 25, 30 or 35 years, if you pay Rs. 2,000/- as a monthly instalment for a term of 20 years, the maturity benefit will be as follows.

Accordingly, a female of the age 35 with a monthly premium of Rs. 2,000/- will receive Rs. 590,758/- upon completion of 20 years at 9% accumulation rate.
In the event of an unforeseen death of the policyholder after 15 years, the dependants will be paid a sum of Rs. 806,546/-.

Life Insurance Cover = 10 times the annual premium + Critical Illness + Investment Account Balance = . 240,000 + Rs. 240,000 + Account Balance calculated at 9 % accumulation rate.

( The account balance will depend on the accumulation rate declared by the company at the beginning of each year)

Will you be entitled for Ceylinco Life Rewards?

Yes, you can apply for Ceylinco Life Rewards like Ceylinco Life 65 plus, Ceylinco Life Pranama scholarships and Ceylinco Life Aloka.

The unique feature would be that it offers a life cover of Rs. 50,000/= for a term of 5 years for only one single payment of Rs. 625/=. The maximum cover under the scheme is Rs. 400,000/=. No hassles of going for medical examinations, just a simple application to be filled and the policy will be delivered within a day.

Who will look after you when you grow old?

Statistics show that one in every four Sri Lankan will be over 60 years of age very soon. What if you’re that one person? When that happens, have you thought about who will look after you? Ceylinco Life Retirement Account has been developed to address this issue in order that your retirement will be taken care of, so you won’t have to depend on anyone in the future. This flexible Retirement Plan will support you, as well as your family.

While the survival benefit of the policy remains unchanged, the death benefit can increase up to 6 times when the Ceylinco Life Family Protection Benefit is added to your policy.

What are the benefits?

You can cover up to 6 times the basic sum assured (in case of Randaru this benefit is 9 times the basic sum assured).

You can obtain this cover for a nominal premium.

Being faced with the reality of physical disability is a difficult and trying time for anyone. And this burden could become heavier if you’re unable to financially support yourself and your family.

It is to help you cope with your difficulties at such a crucial time that we at Ceylinco Life have designed Ceylinco Life Jeewa Yathra. It ensures a steady monthly income so you could look into your future with more hope and reassurance.

What are the benefits?

A guaranteed monthly income in case of total and permanent disability.

A guaranteed lump sum payment in case of partial disability.

A guaranteed lump sum payment in case of death due to accident.

This policy can be extended to your spouse.

Ceylinco Life YUGADIVI is offered as a special privilege to the spouse of a Ceylinco Life policyholder, enabling a policyholder to extend cover to his or her spouse, for the same sum assured - for a few rupees more. Opting for the Ceylinco Life YUGADIVI privilege is convenient, and it also strengthens family security - particularly if the spouse contributes to the family income.

What are the life insurance benefits under ceylinco life yugadivi privilege?

Death benefit

The insured amount will be paid as a lump sum to the surviving partner, nominee or dependants.

Accidental death benefits

The insured amount will be paid to the surviving partner, nominee or dependants in the event of death due to an accident.

Ceylinco Life family protection benefits

The sum assured may be increased up to 6 times by incorporating this optional benefit.

Ceylinco Life Family Digasiri Plus benefit

The sum assured will be paid for treatment of 25 critical illnesses upon diagnosis. The maximum sum assured is Rs. 2,500,000/-.

Disability income benefit

The sum assured will be paid over 120 months in equal instalments

Partial disability benefit

Percentages of the sum assured will be paid for partial disability caused due to an accident.

Exactly how economical is the Ceylinco Life Yugadivi privilege?

The additional premium payable under the Yugadivi Privilege is only a small percentage of the main policy premium, and for the same amount of Life Insurance cover.

CRITICAL ILLNESS. The impact of those two words will only be known by those who have been diagnosed with one or have loved ones suffering from it. It is numbing emotionally and physically. Makes you consider all aspects of your life that you must put on hold and things you must sacrifice. Makes you wonder if you are financially capable of affording the treatment desperately needed.

Ceylinco life family digasiri plus

This Critical Illness Policy sheds some hope on your plight and lifts some of your burden. It provides funding for the necessary treatment either in Sri Lanka or abroad. Payments are made upon diagnosis or whilst undergoing surgery. Ceylinco Life Family Digasiri Plus can provide you the chance to save you or your loved one.

What critical illnesses are covered?

Cancer, Heart attack, By-pass surgery, Stroke, Kidney failure, Paralysis, Fulminant hepatitis, Major organ transplant, Primary pulmonary arterial hypertension, Multiple sclerosis, Blindness, Heart valve surgery, Deafness, Surgery to aorta, Chronic liver disease, Major burns, Chronic lung disease, Coma, Loss of speech, Muscular dystrophy, Motor neurone disease, Aplastic anaemia, Benign brain tumour, Angioplasty and Alzheimer’s disease.

What are the benefits?

It covers 25 critical illnesses and provides you with Life Insurance cover.

In the event of an Angioplasty, 50% of the sum assured will be paid. (Up to a maximum of Rs. 750,000/-)

A bill need not be provided; a diagnosis card and medical report will suffice.

The policy can be obtained for your family and your children.

Infirmity can be a painful and emotionally demanding time and the high cost of medical and hospital bills can only add to your stress.

In the event of hospitalisation, Ceylinco Life Family Hospital Cash will pay up to Rs. 5,000/- per day while recovering in hospital. What’s more, this daily payment will cover you throughout the year!

Provides a daily payment in the event of hospitalisation.

Could be taken for other family members as well.

Number of days to be in hospital in order to be eligible for claim:

01.Government hospital paying wards - 48 hrs.

02.Government hospital non-paying wards - 7 days.

03.Private hospital - 48 hrs.

Pregnancy related - Maximum of 7 days and it is paid only once during the policy term (waiting period 240 days).

The benefit is increased annually at the rate of 5% up to the initial Hospital Cash Benefit amount.

An additional Rs. 2,500/- for intensive care treatment.

We offer 10 years of extended care...

Receive a lump sum every year even after a Ceylinco Life Insurance claim is paid.

Happiness...Laughter...Protection

You wouldn’t think twice about compromising the happiness in your family. You work hard and earn for them. Ceylinco Life FIB will be there for your family if something happens to you now.

Introducing Ceylinco Life FIB

Ceylinco Life FIB is the latest addition to our rider plans. With Ceylinco Life FIB by paying a small premium, even after Life Insurance claim is paid your dependants will receive an additional amount for the next 10 years.

With which policies can I get Ceylinco Life FIB?

According to your needs you can pay a small premium and get Ceylinco Life FIB with the Ceylinco Life Insurance Policies given below:

Ceylinco Life Endowment
Ceylinco Life Supreme
Ceylinco Life Advance Payment
Ceylinco Life Uthum
Ceylinco Life Double Growth
Ceylinco Life Sipsetha
Ceylinco Life Ran Daru
Ceylinco Life Whole Life Plan
Ceylinco Life Whole Life (Limited)

Who can purchase a Ceylinco Life FIB rider plan?

Anyone under the age group of 18 to 60 can get this rider plan for a period of 5 to 40 years.

Ceylinco Life FIB’s maximum and minimum limits

Minimum cover is equal to the basic sum assured in your main plan.
Maximum cover will be six times the basic sum assured.*

* If you obtain a Ceylinco Life FIB plan with Ceylinco Life Ran Daru maximum cover will be three times of the basic sum assured.

How Ceylinco Life FIB works

For example if you are 30 years of age, and if you take a Ceylinco Life Insurance cover for 20 years, for Rs. 500,000/- sum assured and 4 units of Ceylinco Life FIB, your dependants will be getting benefits as follows:

01.In case of death your main insurance plan will pay a sum of Rs. 500,000/-.

02.Since Ceylinco Life FIB increases your basic sum assured by four times, your dependants will receive a sum of Rs. 2,000,000/- (Rs. 500,000X4).

03.The above amount will be paid to your dependants for 10 years in annual payment of Rs. 200,000/- each.

As you may have realised, the cost of surgical operations keep increasing day by day. The high cost of medicine, equipment and fees levied by specialised surgeons, all contribute to the mounting expenses. Even when advanced technology provides better surgical solutions, it usually adds to your expenditure.

The situation is further aggravated by the loss of income when you undergo hospitalisation and convalescence after surgery.

But now thanks to the revolutionary surgical plan ‘Ceylinco Life Major Surgery’, you can cover yourself for almost any type of surgery with a nominal premium.

Ceylinco Life Major Surgery, the only policy that covers over 500 surgeries.

What are the benefits?

The only policy in the market that covers you over major and minor surgeries.

Covers you and your family on major surgeries.

Over 500 surgeries covered.

Covers hospitalisation.

Could be added on with most of the main plans.

Minimum age 18 - maximum age 60.

Minimum benefit Rs. 50,000/-, maximum benefit Rs. 500,000/-

The initial surgery benefit of each category will be increased annually by 10% on the simple rate basis.

Could claim up to 3 times the initial basic sum assured.