Investment Plan

Small investment amounts are regularly invested
Averages purchase costs and provides compounding benefits
Helps investors build a portfolio with good returns

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Key Benefits

100% Guaranteed Long Term Income

Get guaranteed income for a long-term period of 15, 20, 25 or 30 years, irrespective of market fluctuations.

Get back more than what you pay

You can choose to get 110% of total premiums paid at the end of the policy term with our Income with 110% ROP option

Dual Tax Benefits*

Get tax-free* income u/s 10(10D) & also save tax up to ₹ 46,800* p.a. on premiums paid u/s 80C*

Income when you want

Receive guaranteed^ income on any date of your choice like your birthday or anniversary with Save the Date# Feature.

Life Cover

Get life cover for the entire policy term so that your family remains financially secured even in your absence.

Avail Loan

Get the option of taking loan upto 80% of surrender value against the policy to help you in case of any financial emergencies.

Frequently Asked Questions

Are Returns Guaranteed?

Returns are 100% guaranteed^ subject to all due premiums being paid and the policy being in force on the date of maturity.

Guaranteed Income Plans

A guarantee that you will receive a fixed amount regularly along with a life cover – doesn’t it provide the perfect sense of security? This certainty helps you avoid worrying over expenses on luxuries that add joys to life. It assures the fulfilment of your loved ones’ life goals. It also ensures financial stability for your retirement years.
And if you also get the surety that your family’s financial needs will be covered even in your absence? Nothing could be more stress-relieving than that.
Guaranteed income plans provide that certainty. Such life insurance-cum-savings plans guarantee regular payouts and investment benefits.
A guaranteed income plan also assures a life cover. It secures your family against financial hardships in case of an eventuality. Thus, such plans enable you to ensure the lifestyle you want for your loved ones, even in your absence.

Why should you buy guaranteed income plans?

Guaranteed tax-free* income
After you pay the premiums for the specified period, an assured income starts flowing in. Thus, it acts as an extra income source to fund your child’s education, foreign trips, and other goals. You can opt to receive the payouts either annually or every month as per your financial needs.
Thus, the right guaranteed income plan creates an alternate source of tax-free* income. With such plans, you can start enjoying the freedom of retired life even before you turn 60 years old.
Life cover for the entire policy term
Your life cover remains active throughout the policy tenure. Thus, your loved ones stay safe from financial uncertainties in case of your unfortunate demise.
Tax deductions
You can avail a tax* deduction of up to ₹ 1.5 lakh for premiums paid under Section 80C of the Income Tax Act, 1961.

Benefits of guaranteed income plans

Death Benefit
In case of the unfortunate demise of the life assured, guaranteed income plans pay a lumpsum amount to your nominee. It may help to cover your loved ones’ living costs in your absence.
MaturityBenefit
An assured income plan offers periodic payments at the end of the policy term. Some policies also allow you to enjoy the payouts before the policy end date arrives. Thus, you can enjoy financial stability with such plans.
Tax benefits
The premiums that you pay qualify for tax* benefits under section 80C of the Income Tax Act of 1961. The maturity proceeds are also tax-free subject to conditions under Section 10(10D).

Who should buy guaranteed income plans?

A guaranteed income plan is ideal for you if:

you want a fixed additional income
you wish to safeguard your investments from market fluctuations
you are looking for financial freedom in your retirement years

Online Benefit

The Income and Assured Income plan option offers 1.5% Additional Guaranteed Income
The Income with 110% ROP and Assured Income with 110% ROP plan option offers 2% Additional Guaranteed Income

Save the Date Feature

With Save the Date# feature, you have the option to receive income on any special date like your spouse’s birthdate or on your anniversary

Tax Saving

The premiums paid are eligible for Deduction u/s 80C* up to ₹ 1,50,000. You can also enjoy tax-free* payout as the Maturity Benefit~ is exempt subject to conditions u/s 10(10D).*

Investment plan

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Key Benefits

Frequently Asked Questions

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