Guaranteed Capital-Bonus Linked Investments 

Zero Capital Risk Endowment Plans offering annual bonus with Life and optional Accidental Death Benefits. 

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Guaranteed Capital-Bonus Linked Investments

If you are looking to accumulate capital or grow wealth without risking your capital, such plans are ideal for you.

They are not prone to Market risks, and the with is based on a bonus which is declared every year.

Once declared the bonus is also guaranteed.

The following are some of the Endowment Plans with Capital Guarantee 

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Frequently Asked Questions

We hope this FAQ can help provide some answers here to address the specific questions

How if the Bonus Calculated?

In layman terms, the Bonus paid can be defined as the extra payment added to the policy each year; over and above the Sum Assured of the policy.

Like how companies pay a dividend to its shareholders when they make a profit, Life Insurance companies declare a bonus each year based on the profit or surplus generated during that year.

This surplus is the excess of revenue over the expenses and claims of the insurance company during the year.

This surplus is distributed amongst the policy owners each year as Bonus.

Click here to view the Bonus history since 1990

Are these plans portable to India?

Yes, these plans are portable to India

What happens If I am unable tp pay premiums after 2 or 3 years?

Depending on the type of plan and the premiums payment term chosen, they will become paid up, which means the face value and the maturity value of the plan will be adjusted on a pro-rata basis.

Schedule a 15-minute discovery call to understand how this works

Can I make a Lump-sum Investment?

Yes you can invest a lump sum and you actually will get better growth when you invest lump sum.

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Ask Damodhar

I am here to answer any questions you may have about your investments, insurance or your financial plan. Reach out to me and I'll respond as soon as I can.

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