इंडियाफर्स्ट लाईफमधून सर्वोत्तम गॅरंटेड रिटर्न प्लान्सचा शोध घ्या

गॅरंटेड रिटर्न्स प्लान्स

आम्ही, इंडियाफर्स्ट लाईफमध्ये अनेक गॅरंटेड रिटर्न प्लान्स देतो ज्यामुळे तुमचे आर्थिक भविष्य सुरक्षित होते. आमच्या गॅरंटी ऑफ लाईफ ड्रिम प्लान, लाईफ लॉंग इन्कम प्लान, बेनिफिट प्लान आणि सिंगल प्रीमियम प्लानने, तुम्हाला तुमच्या गुंतवणूकीवर शाश्वत रिटर्न, कर लाभ, तुमच्या बचतींना चालना देण्यासाठी अतिरिक्तता मिळतात आणि तुम्हाला आणि तुमच्या कुटुंबाला आर्थिक सुरक्षा मिळते.

गॅरंटेड रिटर्न्स
सोईस्कर प्रीमियम पेमेंट
प्रचलित कर अधिनियमांनुसार कर लाभ
तुमच्या प्रियजनांसाठी लाईफ कव्हर
एकरकमी किंवा नियमित उत्पन्नाच्या स्वरुपात सोईस्कर पेआउट्स
सुधारीत कव्हरेजसाठी रायडर्स
अडचण विरहित दावा सेटलमेंट
परिपक्वता लाभ
(जर जाहिर केला असल्यास) बोनससोबत बचतीला चालना द्या
निवृत्तीच्या उत्पन्नाचे नियोजन

प्रीमियमची गणना करा अधिक जाणून घ्या

What is a Guaranteed Return Plan?

In the simplest of words, term Insurance is a type of life insurance that mainly provides financial cover for a pre-determined period (usually a certain number of years). If something unfortunate happens that leads to your passing away during this pre-determined period, an online term insurance plan can provide that financial coverage to a nominee you choose. To ensure the validity of the coverage, you simply have to pay certain pre-determined amounts on a regular basis.

A pure term plan does not provide any financial coverage if you survive the policy term. There are customisations and plan options you can choose to go for, in order to get any survival benefits or return of the premium value.

आमच्या गॅरंटेड रिटर्न्स प्लान्सचा शोध घ्या

Products

IndiaFirst Life Guarantee Of Life Dreams Plan

Product Name
Dropdown Field: गारंटीड रिटर्न
Product Description: आपल्या स्वप्नांना पाठिंबा द्यायला जर आपल्याकडे उत्पन्नाचा दुसरा स्त्रोत असेल तर किती चांगले होईल नाही का? तुमच्या स्वप्नांना सत्यात आणण्याचा हा एक मार्ग आहे, ज्यायोगे तुम्ही 1ल्या महिनाअखेरीपासून उत्पन्न मिळवण्यास सुरुवात करु शकता.
Product Benefits: 3 उत्पन्न विकल्पांमधून निवड करता येईल
गॅरंटी असलेले दीर्घकालीन उत्पन्न
ऑनलाइन खरेदीवर 5%पर्यंत अतिरिक्त उत्पन्न
लाईफ इन्श्युरन्स कव्हर
Porduct Detail Page URL: कोट मिळवा
Product Buy Now URL and CTA Text: अधिक जाणून घ्या

Products

Indiafirst Life Guaranteed Single Premium Plan

Product Name
Dropdown Field: गारंटीड रिटर्न
Product Description: तुमच्या गुंतवणूकींवर 7 x परतावा मिळाला तर आश्चर्य वाटेल नाही का? तुमचा शोध इथे संपतो! या सिंगल पेमेंट प्लॅनसोबत, तुम्ही तुमची आर्थिक उद्दिष्टे साध्य करु शकता.
Product Benefits: गुंतवणूकीवर खात्रीशीर 7 x रिटर्न्स
एकदाच पेमेंट (सिंगल पे)
कराच्या बचतीचे लाभ
11.25 पटीने जास्त असलेले लाईफ कव्हर
Porduct Detail Page URL: कोट मिळवा
Product Buy Now URL and CTA Text: अधिक जाणून घ्या

Products

IndiaFirst Life Long Guaranteed Income Plan

Product Name
Dropdown Field: गारंटीड रिटर्न
Product Description: एक असा एंडोमेंट लाईफ इन्श्युरन्स प्लान जो नियमीत उत्पन्नाची खात्री देत उत्तम खात्रीशीर सेव्हिंग्ज प्लान सिध्द होतो.
Product Benefits: अल्प मुदतीची पेमेंट्स, दीर्घकालीन लाभ
आर्थिक उद्देशांच्या पूर्ततेसाठी खात्रीशीर उत्पन्न
99 वर्षांपर्यंत लाईफटाइम उत्पन्न
कोणत्याही अडथळ्याशिवाय निरंतर लाईफ कव्हर
Porduct Detail Page URL: कोट मिळवा
Product Buy Now URL and CTA Text: अधिक जाणून घ्या

Products

IndiaFirst Life Guaranteed Benefit Plan

Product Name
Dropdown Field: गारंटीड रिटर्न
Product Description: जीवनभराच्या खात्रीशीर उत्पन्न लाभांना देण्यासोबत हा प्लान तुमच्या अपेक्षांना समर्थन देतो, तुम्हाला बचत करण्यात आणि आश्वस्त आनंद मिळवण्यात मदत करतो.
Product Benefits: उत्पन्न लाभ किंवा एकरकमी लाभामधून निवड करा
तुमचा प्लान कस्टमाईझ करा.
मर्यादित प्रीमियम, संपूर्ण कालावधी लाभ
उत्पन्नाचे सोईस्कर लाभ
अडचण विरहित लाईफ कव्हर
प्रीमियम रायडरची सवलत
Porduct Detail Page URL: कोट मिळवा
Product Buy Now URL and CTA Text: धिक जाणून घ्या

तुम्हाला गॅरंटेड रिटर्न्स प्लानची का आवश्यकता असते?

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.

उच्च लाईफ कव्हर

एकल प्रीमियमच्या 1.25 पट किंवा एकल प्रीमियमच्या 10 पट (45 वर्षे प्रवेशाच्या वयापर्यंत) तुम्ही निवडलेल्या प्लानवर अवलंबून इन्श्युरन्स कव्हरचा लाभ घेण्याचा विकल्प

गॅरंटेड परिपक्वता लाभ

गॅरंटेड परिपक्वता लाभासोबत चिंता विरहित आयुष्य जगा.

व्हेवर ऑफ प्रीमियम रायडर

व्हेवर ऑफ प्रीमियम रायडर निवडा आणि पॉलिसी सुरु ठेवण्यासोबत तुमच्या कुटुंबाचे अनपेक्षित घटनांपासून संरक्षण करा.

लघु कालावधीची पेमेंट्स, दीर्घ कालावधीचे लाभ

लहान कालावधीसाठी पेमेंट करा आणि इंडियाफर्स्ट लाईफ गॅरंटेड रिटर्न प्लान्ससोबत टिकाऊ लाभांना अनलॉक करा.

गॅरंटेड रिटर्न प्लान्स कसे काम करतात?

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.

इंडियाफर्स्ट लाईफ का निवडावा?

IndiaFirst Life's guaranteed returns plan is designed to make long-term, highinvestment goals attainable while ensuring financial security for dependents if something happens to the breadwinner. It facilitates systematic and secure savings with risk-free assured returns, fostering a better quality of life with a regular stream of income.

1.6 कोटी ग्राहकांचा त्यांच्या लाईफ इन्शुरन्स पॉलिसीवर विश्वास

बँक ऑफ बडोदा द्वारे प्रमोट केलेले

98.04% इतके उच्च दावा सेटलमेंटचे प्रमाण

सोपा ऑनलाइन आणि ऑफलाइन अनुभव

100% खरे दावे 1 दिवसात सेटल केले जातात.

Who Should Buy 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.

Missed Premium Protection

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

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.

Benefits of Guaranteed Return Insurance 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.

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.

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.

Tax Benefits Under Guaranteed Return Plans

तुमची गुंतवणूक उद्दिष्टे निश्चित करा आणि प्लॅन निवडा

तुम्हाला किती गुंतवणूक करायची आहे किंवा इंडियाफर्स्ट लाईफच्या गॅरंटीड रिटर्न्स प्लानमधून किती लाभ मिळवायचा आहे हे निश्चित करा.
प्रीमियम आणि पॉलिसी कालावधीचे गणन करा

प्रीमियम कालावधी आणि पॉलिसी कालावधीचे तुमच्या गुंतवणूक उद्देशांनुसार गणन करा.
लाभ ऍड-ऑन्स निवडा

अतिरिक्त लाईफ कव्हर, गंभीर आजाराच्या स्थितीत प्रीमियम वेव्हर किंवा प्रीमियम पेमेंट कालावधीतील सुविधा यासारख्या लाभप्रद ॲड-ऑन्सची तुमच्या गरजेप्रमाणे निवड करा.
पेमेंट प्रक्रिया

एकदा तुम्ही प्लॅन निश्चित केला की निवडलेल्या प्रीमियम वारंवारतेनुसार (मासिक, त्रैमासिक, अर्धवार्षिक किंवा वार्षिक) पेमेंट करा.

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.

Eligibility Criteria

वय

गुंतवणूक

पॉलिसी आणि प्रीमियम

Age

Answer: 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

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

Policy Premium

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