Investment Plans

An investment plan involves the process of acquiring or creating assets with the aim of increasing wealth over a specific duration. By strategically investing money, individuals have the potential to address future financial challenges and potentially generate significant financial growth. The key to successful investment lies in making timely decisions and allocating funds to suitable assets that have the potential to yield substantial returns.

Investment Plans
  • Living benefits
  • Accidental cover benefits
  • Death cover benefits
  • Tax Benefit

    Upto 39%

  • Cover Till Age

    70 Years

  • 24 hr

    Claim Support

* Tax benefit is subject to change in tax laws. * Standard T&C Apply
* Bonus rate is subjected to the insurance company
* Calculation based on 30 years old healthy person on Endowment plan

Pay रु 44,475 premium per year and save up to रु 180,000 in tax-free income*

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  1. Insurance Coverage: Like traditional life insurance, investment insurance plans provide a life cover or death benefit to the policyholder's beneficiaries in the event of the insured's death during the policy term.

  2. Investment Component: What sets investment insurance plans apart is that a portion of the premium paid by the policyholder is allocated towards investment funds. These funds are professionally managed by the insurance company or an appointed fund manager.

  3. Investment Options: Policyholders have the flexibility to choose from a range of investment options based on their risk appetite and financial goals. Common investment options include equity funds, bond funds, money market funds, and balanced funds. The returns on investments are subject to market performance.

  4. Fund Performance and Unit Allocation: The policyholder's premium payments are used to purchase units in the chosen investment funds. The number of units allocated depends on the prevailing unit price of the funds. The value of the units fluctuates with the performance of the underlying investments.

  5. Transparency and Flexibility: Investment insurance plans provide transparency as policyholders can track the unit prices and the value of their investment units. They also offer flexibility in terms of switching between different investment funds or adjusting the allocation of premiums between insurance coverage and investment component, subject to policy terms and conditions.

  6. Potential Wealth Creation: Investment insurance plans aim to generate wealth over the long term through capital appreciation and dividends earned on the underlying investments. They provide an opportunity for policyholders to participate in the potential growth of financial markets.

  7. Maturity and Partial Withdrawals: Investment insurance plans typically have a maturity period, after which the policyholder receives the investment value, including the accumulated returns. Depending on the policy terms, partial withdrawals or surrender of units may be allowed during the policy term.