Guaranteed Income Plan

Guaranteed Income Plan Service By Dhanalakshmi Securities

Power your dreams of tomorrow and fulfil your responsibilities towards your loved ones. Get an additional income along with a life cover to protect your loved ones in your absence with Guaranteed Income Plan.


What Is A Guaranteed Income Plan

It is very important for an individual to maintain financial stability at every stage of life to ensure the financial security of his/her loved ones even when he/she is not around them understanding the importance of financial stability, insurance companies offer guaranteed income plans. The guarantee word is itself very fascinating, and being added to regular pay-outs, these plans become leverage for risk-averse investors. These plans provide dual benefits, including fife insurance along with maturity benefits and guaranteed earnings in the form of yearly, monthly, or quarterly pay-outs decided by the policyholder at the time of purchasing the policy. So, if you buy a guaranteed income plan, you are liable to get guaranteed periodic pay-outs after the maturity of the policy. The amount of the pay-outs depends on the mentioned percentage of your main corpus (i.e. sum assured).

What does Guaranteed Income Plan Benifits?
  • Tax-free payout
  • Life Cover
  • Maturity Benefits
  • Get Additional Riders
  • Loan against the plan


Maturity benefit: At the time of maturity, the life insured receives the simple reversionary bonus along with terminal bonus, if any. In case, the payout period is approximately 15 years, then the insured is paid the regular amount which is pre-defined percentage of sum assured.

Death benefit: In case of unfortunate event of death of the insured during premium paying term, the nominee of the policy receives the basic sum assured amount along with the reversionary bonuses and the terminal bonus, if any. And the payouts are carried for the next 15 years or as mentioned in the policy. In case of demise of the insured after premium paying term or during the payout period, the nominee receives the sum assured amount along with the other benefits.

Income tax Benefits: Tax deduction under Section 80C is available every year and tax exemption under Section 10 10 D is available on the maturity proceeds, subjected to the terms and conditions.

Additional Rider: The traditional plan comes with an inbuilt rider i.e. Accidental Death Benefit Rider. There are some traditional insurance plans, which offer fully guaranteed returns, whereas the other plans offer partially guaranteed returns.

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Importance of Guaranteed Income Plan

Most people focus on long-term financial goals. However, instead of building a corpus that will stand them in good stead in the later years of their life, the focus inevitably shifts to financial aspirations. You may want to buy a house, pay for your child’s education, get your children married, or put money aside for emergencies. All of these aspirations involve money leaving your pocket. How about investing today so your money comes back to your bank account when you need it the most? This is where a guaranteed income plan comes in.

Along with the traditional cover, maturity benefits, and death benefits (in case of the policy holder’s untimely demise), a guaranteed income plan features guaranteed earnings that are paid out to you at periodic intervals of your choosing. Want to know more? Contact us.


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