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Investment Insurance

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Applicant Information

Name
Age
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Email
City
Annual Income

Investment Details

Investment Type
Amount you want to Invest Annually
Duration
Renewal

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Final Step

YCalculated premium – suggested insurers

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Investment Insurance

What is your goal

Wise wealth making

Tax saving

Child's Future, for education or marriage.

Pension for Happy retirement

Types of Plans

Traditional Plans - Endowment & Money back plans

ULIP - Unit linked Investment plan

It Covers

Benefits of Investment Insurance

Planning ahead gives you peace of mind

Secured Future - For Self & Family

Tax benefits - 80 C, 80 D, 10(10D)

Investment diversification

Life Cover + Investment

Features of Traditional Plans

Guaranteed Returns

Lumpsum at maturity

Periodic Money back during the term.

Fixed or increasing income

Types of investment Insurance

Savings/growth/guaranteed returns plans

Endowment insurance plans

Money back insurance plans

ULIP – Unit Linked Insurance Policy

Savings/growth/guaranteed returns plans

Provides life cover and fund savings option for future goals. In this type of policy returns are fixed and guaranteed. Return % might be small compared to the market linked plans, however they are safe and steady investment considered as savings for future.

Endowment insurance plans

An endowment policy is a life insurance contract designed to pay a lump sum after a specific term i.e. on maturity or on death. Typical maturities are ten, fifteen or twenty years up to a certain age limit. Some policies also pay out in the case of critical illness. The endowment plans pays the money, which includes the sum assured (or cover) and bonus, on the maturity of the policy.

Money back insurance plans

The money-back policy from Life Insurance Corporation in India is a popular insurance policy. It provides life coverage during the term of the policy and the maturity benefits are paid in installments by way of survival benefits in every 5 years. The plan is available with 20 years and 25 years term. In the event of death within the policy term, the death claim is made up of full sum assured without deducting any of the survival benefit amounts already paid. The bonus is also calculated on the full sum assured.The premium paid is tax deductible under section 80C of Income Tax Act 1961.

Money back policy, returns money usually as a fixed percentage of the sum assured to the insured during the term of the policy at some regular frequency (e.g. 5 years)

ULIP - Unit Linked Insurance Policy

A Unit Linked Insurance Plan (ULIP) is a product offered by insurance companies that, unlike a pure insurance policy, gives investors both insurance and investment under a single integrated plan.

A Unit-Linked Insurance Plan is essentially a combination of insurance and an investment instrument. A portion of the premium paid by the policyholder is used to provide insurance coverage to the policyholder and the remaining portion is invested in equity and debt instruments. The aggregate premiums collected by the insurance company providing such plans is pooled and invested in varying proportions of debt and equity securities in a similar manner to mutual funds. Each policyholder has the option to select a personalized investment mix based on his/her investment needs and risk appetite. Like mutual funds, each policyholder's Unit-Linked Insurance Plan holds a certain number of fund units, each of which has a net asset value (NAV) that is declared on a daily basis. The NAV is the value upon which net rates of return on ULIPs are determined. The NAV varies from one ULIP to another based on market conditions and fund performance.

Benefits of Investment Plans

Life cover there by protecting financial future of your loved ones

Return of investments happens in dual benefits death benefit return at death or survival benefit at maturity. In case of unfortunate demise of insured nominee receives death benefits.

Savings or investment for future goals both short term & long term

Life insurance is good taken with investment goal i.e you are saving money to achieve a life goal, like buying a house, car, marriage, kid’s education or marriage, saving for retirement corpus. You have options like fixed, guaranteed returns or with added bonus or marked link participating plans. Based on your needs and risk appetite choose the plans

Build wealth or corpus for future

Long term investment plans with investment term of 20 or 25 years, also all the life insurance plans come with a minimum lock-in period, where the amount invested cannot be withdrawn for a fixed period of time there by helping you create good corpus for future

Tax benefit under section 80C and 10(10) D

80C – amount invested in these plans will be tax exempted with the statutory limits. 10(10)D payout received at maturity is also exempted from taxation within the statutory limit.

Disclaimer: Please note that the information provided is collected from insurers online sources and other publicly available resources & which we believe to be reliable. Thepolicymart doesn't warrant the accuracy, reliability & absoluteness of information provided on the website. Participation by site visitors or registered customers is on a voluntary basis. The policies are offered by various life Insurance & non-life insurance offering companies and thepolicymart.com does not seek to, either directly or indirectly, advise, offer, solicit or recommend that any person who is or proposes to become its member should purchase the Policy.