Future Generali India Life Insurance launches Assured Income Plan

Future Generali India Life Insurance Company Limited (FGILI) launched the Assured Income Plan. This is a non-linked and non-participating endowment plan, with two term options of 11 years and 15 years. According to the plan, the policyholder receives an assured annual income as Maturity Benefit and an additional benefit of up to 4.5 times the annual premium, depending on the age of the policyholder.

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Double tax savings^ On premiums (under 80C) and on maturity (under 10(10D))
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9.7 Crore

Registered Consumer

Insurance Partners

4.9 Crore

Policies Sold

The plan offers an extra benefit to the policyholder where they can receive maturity benefit in monthly instalments. Here, they get 2.5% more than the annual instalment.

Benefits	11-year Term	15-year Term
Maturity Benefit	Once the term ends, you will receive 11 annual instalments of 1.5 times your annual premium. These paid out from the end of the 12th year to the end of 22nd year.	Once the term ends, you will receive 15 annual instalments of 2 times your annual premium. These paid out from the end of the 16th year to the end of 30th year.
Additional Benefit	You will receive up to 4.5 times your annual premium at the end of the payout term, depending on your age.	You will receive up to 4.5 times your annual premium at the end of the payout term, depending on your age.
Total Payout	Depending on your age at the time of purchasing the policy, you can earn 17.5 to 21 times of the annualised premium.	Depending on your age at the time of purchasing the policy, you can earn 31 to 34.5 times of annualised premium.

Mr. Munish Sharda, Managing Director and CEO, Future Generali India Life Insurance spoke on the need of life insurance and providing financial security to one’s family. He believes that financial planning plays a major role in today’s inflationary and uncertain macro environment.

He also highlighted Assured Income Plan’s features, such as versatility and value for money. This simple-to-understand product can be used for long-term needs, such as financial planning for children or retirement. Mr. Sharda added that policyholders can avail both the options of one-time lump sum payment and regular annualized income.

˜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

Past 10 Years' annualised returns as on 01-05-2025

^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.

*All savings are provided by the insurer as per the IRDAI approved insurance plan.

Tax benefit is subject to changes in tax laws. Standard T&C Apply
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ

^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.

#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 @ CARG 8%; ₹50,45,591 @ CAGR 4%

¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.

**Returns are based on past 10 years’ fund performance data (Fund Data Source: Value Research).

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