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Endowment Insurance Plans

Guaranteed returns with life cover. Safe, predictable savings with insurance. Ideal for risk-averse investors.

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POPULAR

LIC

Jeevan Lakshya

Govt. Backed

Premium

₹2833/mo

₹34,000/yr incl. GST

Cover

₹10L

CSR 98.62%

4.5

15% of sum assured paid annually for last 3 years
Death benefit regardless of premium paid
Bonus additions each year

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SBI

SBI Life

Shubh Nivesh

Premium

₹3167/mo

₹38,000/yr incl. GST

Cover

₹10L

CSR 93.09%

4.4

Guaranteed additions
Flexible premium payment modes
Accidental death benefit rider

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POPULAR

HDF

HDFC Life

Sanchay Plus

Guaranteed Returns

Premium

₹2500/mo

₹30,000/yr incl. GST

Cover

₹10L

CSR 98.66%

4.6

Guaranteed income for 25/30 years
105% return of premium on death
Tax-free maturity proceeds

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Insurance Calculators

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Annual Income₹12L

Outstanding Loans₹2L

Number of Children1

Existing Life Cover₹0L

Recommended Cover

₹1.4 Cr

Approx. premium: ₹1,173/yr

Breakdown

Income replacement (10x)+₹120L

Outstanding liabilities+₹2L

Children's education (1 × ₹20L)+₹20L

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