Guaranteed Return Plan How is a Guaranteed Return Plan more reliable?
A guaranteed8 return plan is a low-risk plan.
It is not affected by the movements of the market.
A guaranteed8 return plan offers stable returns.
Family members financially covered.
8T&C Apply
Benefits of Guaranteed Return Investment Plan
Guaranteed return plans, along with other similar savings plans constitute 85% of all insurance plans bought in India2.
Here are some benefits of a guaranteed return investment plan that make these plans so popular:
Guaranteed> Returns
You can expect guaranteed> returns from such plans. The risk involved is low, so you can rely on these plans for your future.
>Conditions apply
Life Cover`
In case of an unfortunate incident during the policy term, your loved ones get the entire sum assured that can help them with their finances.
Tax Benefits*
You can get deduction^ of premiums paid under Section 80C^ and Maturity amount is tax-free subject to conditions u/s 10(10D)^ of the Income Tax Act, 1961.
Let’s find the best plan for you Give your Savings the Power of Guarantee
Guaranteed Income
Power your short and long-term goals with a guarantee
Guaranteed Lifelong Pension (Annuity)
One smart investment today will build you a comfortable tomorrow
Guaranteed Lump-sum
Regular systematic savings today to build a tax-free* fund for future
ICICI Pru GIFT Pro
100% Guaranteed>, tax-free* income for short-term and long-term needs
Option¶ to get constant or increasing guaranteed> income
Flexibility to choose percentage of lump sum MoneyBack1 benefit and when you want to get MoneyBack1 benefit
Enjoy tax* benefits under Section 10(10D) & also save tax up to ₹ 46,800/-* p.a. on premiums paid under Section 80C*
Secure your family financially with Life Cover+ throughout the policy term
3% additional income and moneyback benefit online~~
>Conditions Apply
You Pay : ₹ 1 lakh p.a. for 10 years
You Get : ₹ 51.78 Lakh2^ over 30 years as total benefit
(Income + Moneyback)
ICICI Pru Guaranteed Pension Plan
Get Guaranteed” lifelong pension with one time investment
Financially secure your loved ones through Joint life option3
Lock-in your annuity rates for life%
Get higher income on higher investment7^
Option to get back the initial amount you invested through Return of Purchase price4 (optional)
Tax* benefits on premiums paid as per prevailing tax laws
”Conditions Apply
You Pay : ₹ 15 lakh just once
You Get : ₹ 15,570 p.m. guaranteed“ for life5
ICICI Pru Guaranteed Pension Plan Flexi
Get Guaranteed$ lifelong pension (annuity) with easy systematic investment
Financially secure your loved ones with Waiver of Premium≤ option
Get your entire investment back in the end through Return of PremiumΩ
Benefit of additional annuity when you pay higher premiums6^
Tax* benefits on premiums paid as per prevailing tax laws
$Conditions Apply
You Pay : ₹ 10,000 p.m. for 15 years
You Get : ₹ 13,056 p.m. guaranteed$ for life6
ICICI Pru Saral Pension Plan
Pay once and get Guaranteed~ pension (annuity) for Life
Buy online and get 1% extra every year throughout life†
Nominee can get back the entire invested amount through Return of purchase price
Option for single-life or joint-life7 to financially secure your family
Higher annuity on higher investment8^
Tax* benefits on premiums paid as per prevailing tax laws
~Conditions Apply
You Pay : ₹ 25 lakh just once
You Get : ₹ 13,750 p.m. guaranteed~ for you and your spouse9
ICICI Pru Guaranteed Income For Tomorrow (Lump Sum - Limited Pay)
Guaranteed! amount at maturity on investing regularly monthly, half-yearly or yearly
Tax-free* returns for your financial needs
Amount received is completely tax-free* subject to conditions u/s 10(10D) & also save tax up to ₹ 46,800/-* p.a. on premiums paid under Section 80C
Get life cover`` for the entire policy term
Financial security of family is ensured as guaranteed income continues even in your absence
Buy online and get up to 2.5% additional maturity benefit~*
!Conditions Apply
You Pay : ₹ 10,000 p.m. for 10 years
You Get : ₹ 27.92 lakh guaranteed! on the 20th year10
ICICI Pru Assured Savings Insurance Plan
Guaranteed+ amount paid at maturity
Guaranteed addition++ of 9% or 10% added to your invested amount every year of your policy term
Flexibility in payment: Pay in Monthly, Half-yearly, or Yearly premium payment mode÷
Get life cover` for the entire policy term
Tax savings on premiums paid u/s 80C* & maturity amount ins tax-free subject to conditions u/s 10(10D)*
+Conditions Apply
You Pay : ₹ 5,000 p.m. for 5 years
You Get : ₹ 4.23 lakh guaranteed+ on the 10th year11
What are the steps to buying a Guaranteed Return Investment Plan?
Here are the steps of buying a guaranteed return investment plan:
Create your savings plan
Fill application
Make payment & upload document
Plan
Issued
Like all investments, guaranteed return plans should be connected to your financial goals. These goals will depend on what stage of life you are at. Some may be looking to secure their child’s future; some may look for savings and a second stream of income, others may look for an income post retirement free from market risks. A guaranteed return plan will be suitable at any age for any life goal.
A guaranteed return insurance plan can be ideal for anyone and everyone. From a salaried individual to a business owner to a first time jobber or a person nearing retirement, Guaranteed Return insurance plan is a suitable plan for anyone and in any age-group. Since the policy terms for these plans range from 10 to 30 years, such plans can be suitable for saving for your future financial needs.
Frequently Asked Questions
The returns are dependent on the policy term, premium payment term, investor’s age and income period.
- Age - The earlier you invest the more will be your returns.
- Gender - Returns are higher for women investors vs male due to mortality rate.
- Policy Term - You also get higher returns for staying invested for longer. The longer you stay in the policy, the greater will be your returns.
For example, "if you pay for 5 years and get income for 10 years, the rate of return would be higher compared to what you pay for 5 years and opt for income for 5 years, since you stay for a longer duration."
There is no fixed rule as to how much money should one save every month or year. The obvious answer would be, the more the better. Then there are certain thumb rules like the 50/30/20 ruleˇ, which states that 50% of your budget or income should be kept for essentials like rent and food, 30% for discretionary spending, and at least 20% for savings. This too can vary depending on age and income. At a younger age, when one is starting a professional career, income and responsibilities may be lesser. When one is older income may be higher but so will be the responsibilities. The ideal way would be to have financial goals in mind and to work towards achieving them by saving accordingly.
Yes, Guaranteed plans help in saving tax^. The premiums paid for such plans are eligible for deduction under Section 80C^ and the Maturity amount is tax-free^ subject to conditions prescribed u/s 10(10D)^ of the Income Tax Act, 1961.
A guaranteed plan can be suitable for all types of investors. Be it first-time investors, salaried professionals, business owners and even those planning for their retirement. This plan has policy term options that can make it a good choice for anyone between the ages of 18 and 60 years.
Guaranteed plans should be selected basis an individual's financial goals and life stage/age, that he or she may be in. For example; a long-term guaranteed plan would best suit a young professional who has just started his/her career as the premium amount is affordable as tenure is spread over a long-term and the amount invested gets more time to give better returns. Similarly, someone who would be close to retiring and wishes to add to a guaranteed source of income may consider a short-term guaranteed plan.
ICICI PRU PROMISEWhy Choose ICICI Pru Life?
₹2.40 lakh Cr%
Assets under management
₹ 58.1 Cr&
Lives covered
₹ 2.04 lakh Cr$$
Benefits paid till March 31, 2022
1.5 days>>
average claim settlement time