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A money-back guarantee plan is also known as a traditional insurance plan (Endowment plan) that provides a unique combination of protection and savings. With this plan, policyholders receive regular pay-outs at specific intervals during the policy term, known as survival benefits. Money-back guarantee plans provide a sense of security, ensuring that individuals can fulfil their financial goals while protecting their loved ones’ future.
Features and Benefits
Here are some key features and benefits of a traditional plan:
The Traditional Plan Offered by These Companies
Traditional plans are offered by these insurance companies, providing policyholders with a unique combination of insurance coverage and periodic returns.
ICICI Prudential Life Insurance
ICICI Pru Savings Suraksha- ICICI Pru Savings Suraksha is a great plan for you if you want to save money and protect yourself.
- Savings with the comfort of guarantees - At maturity of the policy, you receive
- Protection- Get life cover for the entire policy term
- Guaranteed Maturity Benefit (GMB)
- Flexibility - Choose premium payment term, premium payment mode, Sum Assured on death and policy term as per your need
HDFC Life Sanchay Plus
You and your family will be able to benefit from the "HDFC Life Sanchay Plus" plan, which was created by HDFC Life and gives assured returns.
- Guaranteed benefits – Rest assured of the returns
- Life Long Income option – Guaranteed income till age 99 years
- Long Term Income option – Guaranteed Income for a fi¬xed term of 25 to 30 years
- Optional Riders – Enhance your protection coverage with rider options on payment of additional premium
Swaraj FinPro stands out as a trusted financial service provider for several reasons.
A money-back guarantee plan is an insurance policy that provides periodic pay-outs to the policyholder during the policy term, along with life insurance coverage. It offers a combination of savings and protection.
In a money-back guarantee plan, the policyholder receives periodic pay-outs known as survival benefits at predetermined intervals during the policy term.
If you miss paying the premiums within the grace period specified by the insurance company, the policy may lapse, and the coverage and benefits will cease. It's essential to pay your premiums on time to keep the policy active.
Money-back guarantee plans may offer certain customization options, such as choosing the policy term, sum assured, and premium payment frequency.
Some insurance companies may offer a loan facility against money-back guarantee plans. The loan amount will depend on the surrender value of the policy and the terms and conditions set by the insurance provider.