Among the different types of personal insurance, the comprehensive life and savings plan has special and unique capabilities, because in addition to having insurance features, it also has the nature of capital formation and savings, which can be used to provide capital. Items such as: providing housing, marriage expenses, education expenses, special illness expenses, retirement, etc. should be used. Among the important features of comprehensive life and savings insurance that distinguish it from other insurances are:

Simultaneous enjoyment of insurance and savings benefits
Safe, profitable investment and support and provision for the future of the family
Flexibility in choosing the amount of premiums and capital
Possibility of annual adjustment of insurance premiums and death capital and other supplementary coverage
Payment of the loan to the insurer or the possibility of withdrawing from the place where the insurance policy is stored
Payment of dividends on interests
Enjoy tax exemptions according to the law of direct taxes:
Article 137: ... Premiums paid by any natural person to Iranian insurance companies for life insurance and health insurance will be deducted from the taxable income of Modi.
Article 136: Funds paid for life insurance by insurance companies that benefit from income insurance contracts are exempt from tax.

Duration of insurance policy and age groups using comprehensive life and savings insurance policy

The insured can be covered from birth to the age of 70.
The duration of this insurance policy is from 5 to 30 years, chosen by the insurer and observing the age limit.

1- Life insurance (insured death):

In this insurance coverage, which is the main coverage of the insurance policy, the insurer undertakes to pay the pledged capital to the user (s) in the event of death in the event of the insured's death during the term of the insurance policy.

The insured death capital in the first year can be between 1 and 25 times the annual premium received.
It is possible to increase the capital annually from 5 to 15% provided the annual premium is increased.

2- Supplementary coverage of death due to accident:

Pursuant to this insurance coverage, the insurer undertakes to pay the pledged capital to the designated user (ies) in addition to the death benefit in the event of the insured's death due to an accident.

The definition of an accident according to Regulation No. 84 of the Supreme Insurance Council is any sudden event caused by an external factor that occurs without the intention and will of the insured during the term of the insurance policy and leads to the death of the insured.

- The insurer's obligations in compliance with the exceptions and restrictions set forth in the general and private terms of the insurance policy and the exceptions to this coverage, including the payment of capital listed in the forecast table of the insurer and the insured in accordance with the insurance year of the insured death due to the following risks Is paid to the user (s) in case of death:

Insured death that is directly due to the realization of the accident risk according to the above definition.
Also, the realization of risks arising from the following cases is considered as part of the insurer's obligations:
Drowning, poisoning, exposure to gas, steam or corrosive substances such as acid
Rabies, tetanus and anthrax and bites
Legitimate defense is insured
Action to save persons and property from danger and accident
Despite being an exception