Ageas Federal Incomesurance Guaranteed Money Back Insurance Plan

Ageas Federal Incomesurance guaranteed money back insurance plan is a traditional money back plan with a fixed policy term which provides liquidity through cash backs immediately after the premium payment term is completed to enable the policyholder to meet his cash requirements.

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  • 7.7 Crore Registered Consumer
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  • 4.2 Crore Policies Sold

Investment Plans

  • Guaranteed Tax Savings^Under sec 80C & 10(10D)
  • Under sec 80C & 10(10D)Invest ₹10k Per Month*
  • Zero LTCG Tax^
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Disclaimer: #The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. *Tax benefits and savings are subject to changes in tax laws. All plans listed here are of insurance companies’ funds.

Ageas Federal Incomesurance Guaranteed Money Back Insurance - Key Features

  • As traditional money back plan it provides a limited premium payment term of 5 years.
  • The policy term is fixed at 10 years.
  • Guaranteed Annual Payouts depend on the age of the policyholder. 

Ageas Federal Incomesurance Guaranteed Money Back Insurance - Benefits

  • Guaranteed annual payouts start immediately after the PPT and are expressed as a percent of the annual premium.
  • If the policy holder dies, higher of the maturity sum assured 10 * annual premium or 105% of premiums paid till death is paid to the nominee.
  • Maturity sum assured is the aggregate of the guaranteed annual payouts.
  • The plan also provides an opportunity to avail tax benefit under sections 10(10D) and 80C of income tax act on premium paid and claim received. 

Ageas Federal Incomesurance Guaranteed Money Back Insurance - Product Specification:

 

Minimum

Maximum

Entry Age (Last Birthday)

18 years

55 years

Maturity Age (Last Birthday)

-

65 years

Policy Term (PT) in years

10

Premium Paying Term (PPT) in years

5

Premium Paying Frequency

Annual

Premium

20,000

Not applicable

 

Details About Premium

Annual premium in Rupees for a male aged 30 years

Age

35 years

45 years

Premium

50,000

50,000

Sum Assured payable on death

500,000

500,000

Sum Assured payable on Maturity

342,500

332,500

Survival Benefits paid from 6th year onwards

68,500

66,500

Ageas Federal Incomesurance Guaranteed Money Back Insurance - Policy Details

Grace Period: A grace period of 30 days’ is allowed for premium payment. The policy discontinues if the insured fails to make payment within 30 days.

Policy Termination or Surrender Benefit: The insured person can surrender the policy after 2 full years’ premium has been paid.Either the special surrender value or the guaranteed Surrender Value will be paid as the surrender value.

GSV = GSV Factor * Basic premiums paid excluding survival benefits already paid. 

Free Look Period:  Within a free look period of 15 days from the date of policy issued the insurance holder can cancel the policy if they are not satisfied with the terms and conditions of the policy. However, it can only come into action if there has been no claim made during this period.

Inclusions

    Up to 85% of the surrender value the plan offers loan facility.  

Exclusions

  If the insured commits suicide within a year of policy inception or within a year of policy renewal, in both the cases 80% of premium paid or higher of acquired surrender value id paid to the beneficiary of the policy.  

Documents Required

Policyholder needs to fill up an ‘Application form/ proposal form’ with all pertinent medical information and history with acceptable government ID for KYC and address verification. In handful of cases, an additional medical examination may be necessary on the basis of applicant’s age and sum assured. 

You may also like to read: Ageas Federal Life Investment Plans

˜Top 5 plans based on annualized premium, for bookings made in the first 6 months of FY 24-25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ

Investment Plan
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Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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