Discover the Best Guaranteed Return Plans from IndiaFirst Life

Guaranteed Returns Plans

We, at IndiaFirst Life, offer a variety of guaranteed return plans to secure your financial future. With our Guarantee of Life Dreams Plan, Life-long Income Plan, Benefit Plan, and Single Premium Plan, you can get assured returns on your investment, life cover, tax benefits, additions to boost your savings, and more, providing financial security for you and your family.

Guaranteed returns
Flexible premium payment
Tax benefits, as per prevailing tax laws
Life cover for your loved ones
Hassle-free claim settlement
Maturity benefits

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What is a Guaranteed Return Plan?
Why Do You Need Guaranteed Returns Plans
Explore Our Guaranteed Returns Plans
Benefits of Guaranteed Return Plans
Features of Guaranteed Return Plans
How does a guaranteed returns plan work?
Who Should Buy Guaranteed Return Plans?
When Should You Buy a Guaranteed Return Insurance Plan?
Factors to Consider Before Buying a Guaranteed Return Investment Plan
Eligibility Criteria
Steps to buy a Guaranteed Return Plan from Indiafirst Life
Talk to an Advisor right away
Tax Benefits Under Guaranteed Return Plans
Frequently Asked Questions

What is a Guaranteed Return Plan?

A Guaranteed Return Plan is a unique financial product combining life insurance coverage with assured returns. Designed for individuals seeking low-risk investments, these plans ensure a fixed payout at maturity or during the policy term, regardless of market conditions.

The plan works by combining the premiums paid by policyholders into secure investment avenues, creating predictable returns. The returns are pre-determined at the time of buying the policy. Furthermore, the plan offers life insurance protection, protecting the financial well-being of your loved ones in case of unexpected events.

A Guaranteed Return Plan serves as a financial safety net while helping you achieve long-term goals, such as retirement planning, funding your child’s education, or purchasing a home. Its simplicity and risk-free nature make it an appealing choice for diverse investors.

Why Do You Need Guaranteed Returns Plans

Meeting Financial Goals:Align with short-term and long-term objectives like education, retirement, or property investments.
Protecting Your Family:Provides financial security to your loved ones in your absence.
Getting low-risk returns:Guaranteed return plans are low in risk, as they are not affected by the movements of the market. It ensures that the desired returns can be expected in at the right time, whether it is to meet financial goals, or to secure one’s loved ones.
Higher life cover:Option to avail insurance cover of either 1.25 times of single premium or 10 times of single premium (till Age at Entry - 45 years) depending on your chosen plan.
Guaranteed Maturity Benefit:Live worry-free with a guaranteed maturity benefit.
Waiver of Premium Rider:Opt for Waiver of Premium Rider and safeguard your family from uncertain incidents while continuing the policy.
Short-Term Payments, Long-Term Gains:Pay for a shorter period and unlock enduring benefits with IndiaFirst Life Guaranteed Return Plans.

Explore Our Guaranteed Returns Plans

Products

IndiaFirst Life Guarantee of Life Dreams Plan

Product Name: IndiaFirst Life Guarantee of Life Dreams Plan
Dropdown Field: Guaranteed Returns
Product Description: Wouldn't it be wonderful if we had a second source of income to support our dreams? Here is away to make your dreams come true where you can start earning an income from the end of the 1st month itself.
Product Benefits: Choice of 3 income Options
Guaranteed Long-Term Income
Life Insurance Cover
Benefits of long-term Savings.
Porduct Detail Page URL: Get Quote
Product Buy Now URL and CTA Text: Know More

Products

Indiafirst Life Guaranteed Single Premium Plan

Product Name: Indiafirst Life Guaranteed Single Premium Plan
Dropdown Field: Guaranteed Returns
Product Description: Wondering if there is a way to get 7x return on your investments? Your search ends here! With this single payment plan, you can achieve your financial goals.
Product Benefits: Guaranteed 7x returns on investment
One-time payment (Single Pay)
Tax saving benefits
Life Cover that is 1.25 times higher
Porduct Detail Page URL: Get Quote
Product Buy Now URL and CTA Text: Know More

Products

IndiaFirst Life Long Guaranteed Income plan

Product Name: IndiaFirst Life Long Guaranteed Income plan
Dropdown Field: Guaranteed Returns
Product Description: An endowment life insurance plan which guarantees regular income, making it an excellent guaranteed savings plan. It is designed to help you reach financial goals and protect your family's future, combining savings and insurance.
Product Benefits: Short-Term Payments, Long-Term Gains
Guaranteed Income to fulfill Financial Goals
Lifetime Income Till 99 years of age
Premium Payback Assurance
Continuous Life Cover without any interruption
Enhance with Optional Riders
Tax Benefits*
Porduct Detail Page URL: Get Quote
Product Buy Now URL and CTA Text: Know More

Products

IndiaFirst Life Guaranteed Benefit Plan

Product Name: IndiaFirst Life Guaranteed Benefit Plan
Dropdown Field: Guaranteed Returns
Product Description: A plan that offers savings and financial protection ensuring support for your loved ones. The plan supports your aspirations, offering whole-lifetime guaranteed income benefits, helping you save and earn with assured happiness.
Product Benefits: Choose Income benefit or Lumpsum benefit
Customize your plan
Limited premium, full-term benefits
Flexible Income benefits
Continuous Life cover benefit
Boost your savings
Waiver of premium rider
Death Benefits
Tax benefits as per prevailing laws
Porduct Detail Page URL: Get Quote
Product Buy Now URL and CTA Text: Know More

What are the Benefits of Guaranteed Return Plans?

100% Guaranteed Return

Guaranteed Return Plans offer fixed, predictable returns, providing a reliable financial foundation regardless of market performance. Unlike market-linked investments, these plans are unaffected by economic fluctuations, ensuring you receive the promised amount at maturity. This feature is especially beneficial for risk-averse individuals who prioritise stability and certainty in their financial planning. Whether saving for retirement, children’s education, or a major purchase, these plans provide a sense of security that your hard-earned money is growing steadily without any risk.

Enhanced Maturity Benefit

In addition to guaranteed payouts, these plans often provide loyalty additions or maturity bonuses, significantly boosting the final payout. These benefits are calculated based on factors such as the premium amount, policy term, and adherence to payment schedules. For instance, a policyholder maintaining consistent premiums over 15 years may receive an additional 10-20% of the corpus as a bonus. Such enhancements make these plans more lucrative over the long term, helping you achieve financial goals more effectively.

Death Benefit

The death benefit component of Guaranteed Return Plans ensures your family remains financially secure in case of an untimely demise. In such situations, the nominee receives the assured sum along with any applicable bonuses, providing critical financial support during challenging times. This feature ensures your loved ones can maintain their lifestyle and meet essential expenses, such as education or loan repayments, even in your absence.

Enhancement with Optional Riders

Optional riders allow you to customise your policy to suit specific needs, offering additional coverage for situations such as critical illness or accidental death. For example, a critical illness rider ensures financial support during medical emergencies, covering treatment costs and mitigating financial strain. Similarly, accidental death riders provide an enhanced payout in case of fatal accidents. These add-ons offer peace of mind and comprehensive coverage tailored to your life stage and financial priorities.

Simplicity and Accessibility

Guaranteed Return Plans are straightforward, with clear terms and predictable outcomes, making them easy to understand and manage. This simplicity appeals to individuals across all age groups, including those new to financial planning. Policies are accessible through both online and offline channels. User-friendly tools such as calculators help you estimate returns and choose a suitable plan with ease.

Diversification and Risk Mitigation

These plans act as a low-risk addition to your investment portfolio, balancing higher-risk instruments such as stocks or mutual funds. By providing consistent returns, they reduce overall exposure to market volatility and create a stable financial base. This diversification makes them an excellent choice for individuals aiming to safeguard their wealth while pursuing higher returns through other investments.

What are the Features of Guaranteed Return Plans?

Premium Payback Assurance

Receive the paid premiums at the end of the income period, based on the annual premium payable and depending on the chosen plan. Some charges may be deducted from the final payback offered.

Flexible Payout Options

Choose between lump sum payouts for significant expenses or periodic payouts for consistent income, aligning with your financial objectives.

Guaranteed Additional Benefits

Boost your savings with loyalty additions and maturity bonuses, which increase your overall returns at the end of the policy term.

Life Insurance Coverage

Ensure financial protection for your loved ones with a built-in life insurance component, offering security in unforeseen circumstances.

Easy Premium Payment

Select from multiple payment modes—monthly, quarterly, or annually—to match your financial convenience and planning.

Flexible Payout Options

Give your loved ones the benefit of guaranteed lumpsum or income payouts, over 5 years in case of untimely death of the life assured.

Tax Benefits

Avail tax benefits, as per prevailing tax laws, available on the premium paid and benefits received.

Missed Premium Protection

Revive lapsed policies within the grace period to maintain continuous coverage and avoid financial setbacks.

How does a guaranteed returns plan work?

Premium Payment: You must choose a premium payment frequency monthly, quarterly, annually, or a one-time lump sum.
Riders for Enhanced Coverage: You can add optional riders such as critical illness or accidental death benefits for additional protection.
Investment Growth: Next, the insurer invests your premiums in safe, low-risk instruments, ensuring steady returns.
Guaranteed Returns: You receive a fixed payout as a lump sum or periodic installments, depending on the policy terms.
Life Insurance Coverage: The plan offers a sum assured to your nominee in case of your untimely demise.
Policy Maturity: At the end of the policy term, the guaranteed maturity amount is disbursed..

Who Should Buy Guaranteed Return Plans?

Young Professionals

Can start early to lock in lower premiums and build a robust corpus over time.

Risk-Averse Investors

Would want to prioritise stable and predictable returns over high-risk investments.

Parents

Can secure funds for their child’s education or marriage through disciplined savings.

Families with Dependents

Can ensure financial stability for loved ones in case of unforeseen circumstances.

Retirees

Can enjoy a steady income after retirement without worrying about market fluctuations.

Tax-Saving Individuals

Can maximise deductions under Sections 80C and 10(10D) of the Income Tax Act.

When Should You Buy a Guaranteed Return Insurance Plan?

The best time to purchase a Guaranteed Return Insurance Plan is as early as possible. Investing at a younger age allows you to secure lower premiums, benefit from longer compounding periods, and achieve higher maturity payouts. Early investments also enable you to align the policy term with significant life milestones, such as retirement or funding for your child’s education.

Factors to Consider Before Buying a Guaranteed Return Investment Plan

Financial Goals

Begin by clearly defining your financial objectives. Determine whether you are aiming to achieve short-term goals, such as purchasing a vehicle or funding higher education, or long-term goals such as retirement planning and wealth accumulation. Ensuring that the guaranteed return plan aligns with your specific financial milestones will help you select a policy effectively supports your aspirations.

Premium Affordability

Assess your current financial situation to choose a premium amount fitting comfortably within your budget. It is crucial to select a premium that you can consistently pay without straining your finances. Overcommitting to high premiums may lead to difficulties in maintaining the policy, while opting for too low premiums might reduce the benefits and returns you receive.

Policy Term

Consider the duration of the policy term, as longer terms often yield better returns due to the benefits of compounding and loyalty additions. A longer policy term can enhance the maturity amount. This make it more suitable for substantial financial goals such as retirement or purchasing property. However, ensure that the term aligns with your financial timeline and liquidity needs.

Life Insurance Coverage

Evaluate the sum assured provided by the life insurance policy component of the plan. Ensure that the coverage is sufficient to meet your family’s financial needs in the event of your untimely demise. Adequate life insurance coverage provides financial security and peace of mind, safeguarding your loved ones from potential financial hardships.

Rider Benefits

Consider adding optional riders to enhance your coverage. Riders such as critical illness, accidental death, or disability benefits, can provide additional protection and financial support in unforeseen circumstances. Customising your plan with riders ensures comprehensive coverage tailored to your specific needs.

Payout Options

Decide between lump-sum payouts or periodic payouts based on your cash flow requirements. Lump-sum payouts are ideal for significant expenses or investments, while periodic payouts can serve as a steady income stream, especially during retirement. Selecting the right payout option ensures the returns from your guaranteed return investment plan effectively support your financial needs.

Tax Implications

Understand the tax benefits associated with the plan under Sections 80C and 10(10D) of the Income Tax Act. Premiums paid are eligible for deductions, and the maturity and death benefits may be tax-exempt, provided certain conditions are met. Leveraging these tax advantages can enhance the overall returns and make the investment more efficient.

Claim Process

Opt for plans offering a straightforward and hassle-free claim process. Efficient claim settlement ensures you or your beneficiaries receive the benefits promptly without unnecessary delays or complications. Reviewing the insurer’s reputation and claim settlement ratio can provide insights into the reliability of the guaranteed return insurance plan.

What are the Eligibility Criteria of Guaranteed Returns Plans?

Age

Minimum Age for Applying for a Guaranteed returns plan is 18 years
If you are buying a plan for your kid, the minimum age can be 90 days
Maximum Age for Applying Can vary, but often up to 70 years
Guaranteed returns policy matures when the policyholder is around 75 to 85 years. (This may vary as per chosen plan)

Investment

Minimum Investment Amount can be as low as Rs. 48,000/year.

Policy & Premium

Premium Payment Term is between 5 Years - 70 Years
Guaranteed Return policy offer varied policy terms, often ranging from 5 years to 40 years.

Steps to buy a Guaranteed Return Plan from Indiafirst Life

Step 1

Determine Your Investment Goals & Choose a Plan

Assess how much you want to invest or gain from the plan with a guaranteed returns plan from IndiaFirst Life.

Step 2

Calculate Premium and Policy Terms

Calculate the premium term and policy term based on your investment goals.

Step 3

Select Benefit Add-ons

Choose benefit add-ons like additional life cover, premium waiver in case of critical illness, or flexibility in premium payment terms as per your need.

Step 4

Payment Process

Once you have finalised the plan, make the payment as per the chosen premium payment frequency (monthly, quarterly, semi-annually, or annually).

Not sure which insurance to buy?

Talk to an Advisor right away

We help you to choose best insurance plan based on your needs

Call now - 1800 209 8700 Schedule a call

Tax Benefits Under Guaranteed Return Plans

Premium Deductions

Avail deductions up to ₹1.5 lakh annually under Section 80C of the Income Tax Act.

Tax-Free Maturity and Death Benefits

Under Section 10(10D), payouts from these plans are exempt from taxation, provided conditions are met.

Rider Premium Deductions

Premiums for riders such as critical illness or disability benefits are also eligible for deductions.

Frequently Asked Questions on Guaranteed Return Plans

View All FAQ’s

General

Premiums and Payments

What affects the returns of my Guaranteed Returns Plan?

Answer: Returns are influenced by policy term, premium amount, and the payout structure chosen.

What are the tax benefits for Guaranteed Returns Plans?

Answer: Tax benefits include deductions under Section 80C for premiums paid and tax-free maturity or death benefits under Section 10(10D), subject to conditions.

Where should I invest my money for guaranteed returns?

Answer: Invest in plans offered by reputed insurers with strong financial credentials and transparent policies.

Why are Guaranteed Return Plans reliable?

Answer: These plans offer fixed returns, unaffected by market fluctuations, ensuring financial stability and predictability.

How much money should I save every month or year?

Answer: Use a life insurance calculator to determine a monthly or annual premium amount based on your financial goals and affordability.

What should I choose? Long-term or short-term Guaranteed Plans?

Answer: Choose long-term plans for higher returns and compounding benefits. Opt for short-term plans if your financial goals are immediate.

Why Choose IndiaFirst Life?

Ensuring your family's financial security is paramount, and IndiaFirst Term Life Insurance Plans are designed with this priority in mind. Here's why opting for our term insurance plans is the right choice:

Trusted by 1.6 Crore Customers for their life insurance policy

Promoted by Bank of Baroda

High Claim Settlement Ratio of 98.04%

Seamless Online and Offline Experience

100% Genuine Claims are Settled in 1 day.

Customer Reviews

★ ★ ★ ★ ☆

Hassle-Free Onboarding Process

From the onboarding process to the comprehensive medical tests, IndiaFirst Life ensured a hassle-free journey for me. The features of the plan I purchased are as per my expectations, providing me with peace of mind for future.

Mohit Agarwal Mumbai

★ ★ ★ ★ ☆