Endowment Life Insurance Plans: GUARANTEED, BUT LOW RETURNS..!

Endowment Life Insurance Plans..!

GUARANTEED, BUT LOW RETURNS..!

What non-participating endowment life insurance plans offer

The premium and returns are for a 35 -year - old non smoker female.

The term plan cover is Rs. 25 lakh and the Public Provident Fund (PPF) returns are assumed to be 8.75% per year

Edelweiss Tokio Safe n Sure Plan

ANNUAL PREMIUM                    Rs. 20,835

PREMIUM PAYMENT TERM           15 years

POLICY TERM                         20 years

DEATH BENEFIT                      Rs. 5 lakh

GUARANTEED RETURN              Rs..5 LAKH

RETURN                                         4%

IF YOU BUY A TERM PLAN

 AND INVEST IN THE PPF          Rs. 8.36 lakh

HDFC Life Sanchay

ANNUAL PREMIUM                       Rs. 69, 675

PREMIUM PAYMENT TERM               15 years

POLICY TERM                             20 years

DEATH BENEFIT                         Highest of 10 times of Annual premium 105% of premium paid,

                                                        plus accrued guaranteed additions till death

GUARANTEED RETURN             Rs. 14 LAKH

RETURN                                         4.6%

IF YOU BUY A TERM PLAN

 AND INVEST IN THE PPF          Rs. 25.08 lakh

Reliance Super  Endowment

ANNUAL PREMIUM                     Rs. 24,761

PREMIUM PAYMENT TERM            10 years

POLICY TERM                             20 years

DEATH BENEFIT                         Highest of 10 times of Annual premium 105% of premium paid,

                                                        plus accrued guaranteed additions till death

GUARANTEED RETURN             Rs. 5 LAKH

RETURN                                         4.6%

IF YOU BUY A TERM PLAN

 AND INVEST IN THE PPF          Rs 8.11 lakh

Aviva Dhan Samruddhi

ANNUAL PREMIUM                     Rs. 31,881

PREMIUM PAYMENT TERM            10 years

POLICY TERM                             20 years

DEATH BENEFIT                         Highest of 10 times of Annual premium 105% of premium paid,

                                                        plus accrued guaranteed additions till death

GUARANTEED RETURN             Rs. 5.56 LAKH

RETURN                                         3.6%

IF YOU BUY A TERM PLAN

 AND INVEST IN THE PPF          Rs.10.8  LAKH

Exide Life Guaranteed Income

ANNUAL PREMIUM                    Rs. 69,066

PREMIUM PAYMENT TERM           10 years

POLICY TERM                             20 years

DEATH BENEFIT                        Highest of 10 times of Annual premium 105% of premium paid,

                                                        plus accrued guaranteed additions till death

GUARANTEED RETURN           Rs.11 LAKH

RETURN                                         3%

IF YOU BUY A TERM PLAN

 AND INVEST IN THE PPF          Rs. 24.8 LAKH

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