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 for short-term
Fixed Returns on your deposit
Guaranteed Income for Long-Term
Power your long-term goals with a Guarantee
Guaranteed Lifelong income (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 Guaranteed Income For Tomorrow
(Income option)
Regular income guaranteed^^ for financial goals
- Second income for yourself for your later years
- EMI payment of any type of loan☩
- Regular expense of child’s education
- Financial independence of spouse
Income received is completely tax-free subject to conditions u/s 10(10D)* and also savings of ₹ 46,800 p.a. on premiums paid u/s 80C*
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 : ₹ 23.14 lakh as incomeΘ
ICICI Pru Guaranteed Income For Tomorrow
(Early Income option)
Guaranteed< regular income as early as the 2nd year after your investment starts
- Additional guaranteed< income over and above your salaried income
- EMI payment for any type of loan☩
- Regular expenses of your child
Income received is completely tax-free subject to conditions u/s 10(10D)* and also savings of ₹ 46,800 p.a. on premiums paid u/s 80C*
Financial security of family is ensured as guaranteed< income continues even in your absence
Up to 3.5% Additional Guarantee income on buying online~
<Conditions Apply
You Pay : ₹ 5,000 p.m. for 10 years
You Get : ₹ 9.08 lakh as income†
ICICI Pru Guaranteed Income For Tomorrow
(Long-term)
Guaranteed> regular income for as long as 15, 20, 30 years as per your financial goals
- Income for your retirement
- Key milestones of your Child’s life, such as education, wedding, and other milestones of life
2 different income options available to choose from basis your financial goal
- Income option: Invest for 7 or 10 years and ensure guaranteed> income for as long as 30 years
- Income with money back: 110% premiums are paid back@
Income received is completely tax-free subject to conditions u/s 10(10D)* and also savings of ₹ 46,800 p.a. on premiums paid u/s 80C*
Financial security of family is ensured as guaranteed> income continues even in your absence
Up to 2% Additional Guarantee income~~ on buying online
>Conditions Apply
You Pay : ₹ 10,000 p.m. for 10 years
You Get : ₹ 49.61 lakh as income3
ICICI Pru Guaranteed Pension Plan
Creating a guaranteed” regular flow of income with just one investment
- Convert savings into lifelong income source
- Financing post-retirement needs
- Securing the income for your loved ones
Lock-in the interest rates for entire life%
Option to get higher income with deferment
Get higher income on higher investment
Tax^ benefits on premiums paid as per prevailing tax laws
”Conditions Apply
You Pay : ₹ 11 lakh just once
You Get : ₹ 10,206 p.m. guaranteed for life4
ICICI Pru Guaranteed Pension Plan Flexi
Creating a guaranteed$ regular flow of income with systematic investment
- Funding regular expenses post retirement
- Maintaining the same superior lifestyle
- Creating a source of income for family
Financially secure your loved ones with Waiver of Premium ≤
Get your entire investment back in the endΩ
Choice to get additional income in the old age
Option to secure income even if you miss the premiums
Tax^ benefits on premiums paid as per prevailing tax laws
$Conditions Apply
You Pay : ₹ 10,000 p.m. for 15 years
You Get : ₹ 11,195 p.m. guaranteed for life5
+ ₹ 18 lakh back5
ICICI Pru Guaranteed Income For Tomorrow (Lump Sum - Limited Pay)
Guaranteed! amount at maturity after investing regularly yearly, monthly or half-yearly
Tax-free* returns for financial needs such as
- Acting as an emergency fund
- Fund for child’s higher education, starting a business or buying a house
Income received is completely tax-free subject to conditions u/s 10(10D)* and also savings of ₹ 46,800* p.a. on premiums paid u/s 80C
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 : ₹ 26.49 lakh on the 20th year6
ICICI Pru Assured Savings Insurance Plan
Guaranteed+ amount paid at maturity
Guaranteed addition of 9% or 10% is added to your invested amount every year of your policy term++
Flexibility in payment: Pay in Monthly, Half-Yearly or Yearly premium payment mode÷
Protection: Get life cover` for the entire policy term
Tax savings on premiums paid under section 80C^ & Maturity amount is tax-free subject to conditions u/s 10(10D)^
+Conditions Apply
You Pay : ₹ 5,000 p.m. for 5 years
You Get : ₹ 4.19 lakh on the 10th year7
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
People like you also read...
