Non‑Guaranteed – Optisure

What Are Non Guaranteed Plans?

A Non‑Guaranteed Life Insurance Plan is a policy where returns are not fixed but depend on market performance, bonuses declared by the insurer, or fund value growth. While they still provide life cover, the maturity benefits or payouts are variable and can be higher or lower depending on external factors.

These plans are designed for individuals who want wealth creation opportunities along with insurance protection.

Key Features

Market Linked Returns

Returns vary based on equity, debt, or balanced fund performance.

Life Cover Protection

Ensures family security in case of untimely death.

Potential for Higher Gains

Opportunity to earn more than guaranteed plans if markets perform well.

Flexibility

Choice of funds, premium payment modes, and withdrawal options.

Bonuses & Additions

Insurers may declare reversionary bonuses or loyalty additions, which are not assured.

Risk Factor

Returns are subject to market volatility and insurer performance.

Types of Non Guaranteed Plans

Type	Description
ULIPs (Unit Linked Insurance Plans)	Premiums invested in equity/debt funds; returns depend on market performance.
Participating Endowment Plans	Policyholders share in insurer’s profits via bonuses, but payouts are not fixed.
Money Back with Variable Bonus	Periodic payouts plus non guaranteed bonuses declared by insurer.
Variable Income Plans	Provide income streams that fluctuate based on insurer’s declared rates.

Example Scenario

A 30-year-old invests ₹60,000 annually in a ULIP for 20 years.

If equity markets perform well, maturity value could be ₹25 lakh.
If markets underperform, maturity value may be closer to ₹15 lakh.
In both cases, life cover remains intact, but returns are not guaranteed.

Why Choose Term Life Insurance from Optisure?

Growth Potential

Opportunity to build wealth alongside protection.

Customised Fund Options

Equity, debt, or balanced funds tailored to client risk appetite.

Professional Guidance

Advisors help balance risk and reward.

Expert Guidance

Optisure advisors help you select the most suitable plan.

Transparency

Clear communication on risks, returns, and policy terms.

Ideal For

Get In Touch

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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