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Savings Insurance

Guaranteed Return Plan

Benefits Fixed in Your Policy Contract*

Non-linked savings plans that state the maturity or income benefit in the policy document at the start, along with life cover. Benefits are payable only when all premiums are paid for the full term, and surrendering early can mean getting back less than you paid.

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Key Plan Highlights:
Maturity payout guaranteed in writing on the policy bond
Benefits not linked to stock market performance
Flexible payout options: Regular income or One-time lump sum
Tax treatment as per prevailing tax laws and premium limits*
IRDAI-Registered Insurers
Dedicated Claim Support Desk
Why Buy Through PaisaPolicy.in

Essential Benefits of Guaranteed Return Plan

01

Written Guarantee

Guaranteed benefits are stated in the policy document on day one, provided premiums are paid as scheduled.

02

Predictable Goal Achievement

Ideal for buying a home, paying children’s college tuition, or starting a business.

03

Built-in Life Cover

Life cover protects your family during the policy term.

What is Covered Under Guaranteed Return Plan?

✓
Fixed annual or monthly income payouts
✓
Lump-sum bonus additions on policy maturity
✓
Guaranteed surrender value after early premium paying terms
✓
Policy loan facility (as per plan terms)
*Coverage terms, exclusions and waiting periods vary by insurer and plan. Please read the policy wording.
Request Detailed Policy Wordings

Guaranteed benefits are payable only if all due premiums are paid and the policy is in force. Surrendering early may result in a payout lower than the premiums paid. Non-guaranteed bonuses, if any, are not assured.

*Premiums and features shown are indicative and vary by insurer, plan, age, health, location and add-ons. Tax benefits are subject to prevailing tax laws. Insurance is the subject matter of solicitation. Please read the sales brochure and policy wording carefully before buying.

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Got Questions?

Guaranteed Return Plan Frequently Asked Questions

Clarify all your doubts with direct expert answers.

Are the returns really guaranteed?
The guaranteed benefits written in the policy document are payable if all premiums are paid on time for the full term. Early surrender can return less than the premiums paid, and any bonus not explicitly guaranteed is not assured.
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