It is a meaningful combination of two plans with premium holidays of 5 and 10 years. The best combination where the premiums are to be paid only for a limited period of 15 years, a comparatively lesser liability period on life. This plan works out to be best investment plan as well since the IRR is simply marvelous. Despite the liquidity at regular intervals (every four years), the unique feature is that risk cover goes on increasing whereas the premium remains same. Policy money starts coming from 4th year, which is the shortest period to unlock. Each installment can be adjusted as per the need of the family. At the end of 15th year, your 50% of the sum assured is paid back but enjoy all risk cover benefits at higher rates till 25 years, hence ‘pay 15 and enjoy 25’.