Guaranteed Return & Capital Growth Plans
Lock in guaranteed tax-free returns up to 7.1% IRR with 10X life cover and zero stock market volatility.
Why You Need This Protection Today
100% Capital & Return Guarantee
Returns are specified upfront in your policy contract and backed by IRDAI strict solvency rules.
Triple Protection for Children
Inbuilt waiver of future premiums if parent passes away, while maturity payouts arrive as scheduled.
Tax Benefits u/s 80C & 10(10D)
Save up to ₹1.5 Lakhs annually on deposits, and pay ₹0 capital gains tax on maturity proceeds.
Regular Monthly Pension Payouts
Option to receive lifelong monthly guaranteed income post-retirement.
Recommended Cover by Life Stage
How much coverage should you pick based on dependents and liabilities.
Align payouts with milestone college admissions at age 18 and 21 with guaranteed capital safety.
A post-tax 7.1% guaranteed return beats fixed deposits (FDs) taxed at 30% peak income tax slabs.
Lock in lifelong guaranteed interest rates before national interest rates drop in coming decades.
The 6-Point InsurerVeda Buyer Checklist
Review these non-negotiables before paying any premium.
What is Covered vs. What is NOT Covered
We highlight policy exclusions in plain English so you are never caught unprepared at the hospital.
What is Covered (Inclusions)
- Guaranteed maturity proceeds as documented in policy schedule
- Life cover of at least 10 times annual premium throughout policy term
- Accidental death benefit and disability support
- Tax deductions under Section 80C and Section 10(10D)
What is NOT Covered (Standard Exclusions)
- Surrender charges if exiting within first 2 policy years
- Suicide during first 12 months (standard life clause)
- Non-disclosure of medical records during proposal underwriting
Frequently Asked Questions
Bank FDs are taxed at your income slab (up to 30%+), reducing net returns to 4.5-5%. Guaranteed insurance returns up to 7.1% are completely tax-free under Section 10(10D) and include 10X life cover.
Ready to find your ideal policy?
Compare 40+ plans side-by-side with transparent room-rent rules and claim ratios.