Insurance · Guaranteed income
A number you know on the day you sign
Returns are lower than the market, and that is the entire point. These exist for money that must produce a specific amount on a specific date, whatever the market is doing that year.
What they are
Contracted, not projected
A guaranteed income plan pays a stated amount for a stated period, written into the policy. Unlike a mutual fund projection or a ULIP illustration, the number is a contractual obligation of the insurer rather than an estimate.
The trade is return. Over long periods, equity has historically produced considerably more. What you are buying here is certainty, and certainty has a price.
- Payouts stated in the policy document, not illustrated
- Useful ALONGSIDE market-linked investments, not instead of them
- Long lock-ins — check the surrender value before you commit
When these make sense
And when they do not
They can suit a specific dated obligation — a fee due in year eight, a parent needing a fixed monthly figure — or someone who genuinely cannot tolerate seeing a balance fall.
They usually do not suit long-horizon wealth building. If the money is for retirement in twenty-five years, locking it into a mid-single-digit contracted return will cost you a great deal against a diversified portfolio. We will show you both sets of numbers and let you decide with them in front of you.
FAQ
Questions people actually ask
What return do these actually give?
Typically mid single digits once you compute the internal rate of return across the full term — which is usually lower than the headline "guaranteed" figure suggests, because that figure is often expressed against a single premium rather than annualised. Ask us to calculate the IRR before you sign; any honest advisor will.
Is the guarantee actually safe?
It is a contractual obligation of the insurer, and Indian insurers are regulated and capital-supervised by IRDAI. It is a strong guarantee. It is not a sovereign one.
Can I get out early?
Yes, but surrender values in the early years are usually poor and can be less than the premiums paid. These are long-commitment products, which is precisely why we ask what the money is for before recommending one.
How does this compare to a fixed deposit?
Longer, less liquid, taxed differently, and typically a somewhat better rate over a long term. Which wins depends on your tax position and how long the money is genuinely locked away — bring both and we will compare properly.
See the real numbers first
Ask us for the internal rate of return before you commit to anything.
Ask about guaranteed plans Call +91 88067 78771
Application forms are being finalised. Until they are live, call or email us and we will start your application directly.