Guaranteed Plans – Optisure

What Are Guaranteed Life Insurance Plans?

A Guaranteed Life Insurance Plan is a long term protection and savings plan that offers guaranteed returns along with life cover. Unlike market linked policies, these plans provide fixed benefits — ensuring your family’s financial security and predictable growth of your savings, regardless of market fluctuations.

It’s ideal for individuals seeking stable, risk free returns and assured maturity benefits while maintaining life protection.

Key Features

Guaranteed Returns

Receive a fixed sum at maturity, unaffected by market performance.

Life Cover Protection

Provides financial security to your family in case of your unfortunate demise.

Flexible Premium Options

Choose monthly, quarterly, or annual payments as per convenience.

Tax Benefits

Premiums eligible under Section 80C; maturity/death benefits under Section 10(10D).

Maturity Benefit

Lump sum payout or regular income options available.

Zero Market Risk

Returns are predetermined and unaffected by market volatility.

Types of Guaranteed Life Insurance Plans

Type	Description
Endowment Plan	Combines life cover with guaranteed savings; maturity benefit paid if policyholder survives the term.
Money Back Plan	Periodic payouts during the policy term plus final maturity benefit.
Guaranteed Income Plan	Provides regular income for a fixed number of years after premium payment term ends.
Whole Life Guaranteed Plan	Offers lifelong coverage (up to age 99/100) with guaranteed benefits.

Example Scenario

Suppose a 35 year old invests ₹50,000 annually for 15 years in a guaranteed plan. At maturity, they receive a fixed lump sum payout (say ₹12 lakh) plus life cover throughout the term. Even if markets fluctuate, the payout remains unchanged — ensuring financial certainty and peace of mind.

Ideal For

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330, Ganpati Plaza, MI Road, Jaipur, Rajasthan 302001

Second Floor, Office no 31, Transport Nagar, Punjabi Bagh, West Delhi, New Delhi – 110026

Optisure Insurance Brokers Pvt. Ltd. | Reg. Office – 330, 3rd Floor Ganpati Plaza, MI Road, Jaipur (Raj.)-302001 | IRDAI Direct Insurance Broker (Life & General) | License No.- 1116 | Valid Till – 18/11/2028 (Renewable) Code No. -IRDAI/INT/BRK/DB 1266/2025 CIN NO. – U66220RJ2025PTC104577 | IBAI Membership No.-519 Standard T&C Apply*
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