Personal Insurance Plans are those meant for the individual who wants to protect his or her current as well as future financial needs such as securing one’s family’s income, securing one’s debts such as home loans, etc against the risk of premature death. These plans also serve as excellent savings plans that fetch attractive returns on maturity.

Personal life insurance plans can be classified depending on the ages for which they are available, as

Plans	Age At Entry	Age at Maturity	Policy Term Restrictions*
Aspire Children's Educational Plan	‘0’ (just born) to 10 years (age last birthday)	20th Year of the Child	20 years or less depending upon the age of the child at entry.
Target Classic Plan (Table 614)	12 to 65 years	Not to exceed 75	Generally accepted from 5 to 50 years term
Target Limited Payment & Single Premium Plans (Table 648)	12 to 65 years	Not to exceed 75	-do-
Wealth Builder Classic (Table 612)	18 to 50 years	On life assured attaining 80 Years or later subject to…	…completion of 40 Years duration from the date of commencement
Wealth Builder Limited Payment & Single Premium Plans (Table 613)	18 to 50 years	-do-	Premium Ceases at Age 70
Convertible Whole Life Plan (Table 28F)	18 to 50 years Option to covert in to an Endowment Plan after 5 years	If Converted to Endowment Plan Not converted to Endowment Plan	Matures at the end of the chosen term; Just like Table 614 Matures just as mentioned in Table 612
Money Tree Plans (Tables 674, 675, 693)	12 to 60	Not to exceed 75	Terms 15, 20 and 25 years respectively.
Smart Life 2 – Single Premium Plan (Table 635)	18 to 60 years	Not to exceed 70	Only 10 year Term available under this plan
Gold Life – Single Premium Bond (Plan 636)	18 to 60 years	Not to exceed 70	5 year and 10 year Terms available under this plan

* Further restrictions apply to policy terms (durations) where riders are chosen.