Overview

You can exercise the options of paying premiums throughout the policy term of an endowment policy, a limited term, or by lump sum (single premium).


All insurers allow premium payments to be made at quarterly, half-yearly or annual installments. Some also collect premiums monthly. Typically, the higher the number of installments, the higher will be the absolute premium payout.

 

A certain part of the premium gets allocated towards the sum assured. Some portion of the premium is allocated towards the administrative expenses of the insurance company selling the policy. The remaining portion of the premium gets invested.

Endowment Premium: Basics

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Insurance Details

Pension Plans
     (Want regular income for my family after my retirement)

Child Plans
     (Want to save for my child's future)

Term Plans
     (Want to ensure maximum life cover at the lowest possible cost)

ULIP
     (Want a long-term investment option with market-linked returns)

Traditional Plans
     (Want a long-term investment option with low risk)

 

 

Preferred Insurance Cos.
  •  Best 5
  •  ICICI PRUDENTIAL
  •  AEGON RELIGARE
  •  LIC
  •  BAJAJ ALLIANZ
  •  KOTAK
  •  HDFC
  •  SBI
  •  MAX NEW YORK
  •  BIRLA SUN
  •  METLIFE
  •  TATA AIG
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Endowment Premium: Opinion

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Decision-making Corner

  • insurance-advice-india/endowment-calculator.html">Returns on Endowment Policy vs. Inflation Calculator
  • Returns on Children's Endowment Policy vs. Inflation Calculator
  • Calculator: Should I Continue My Endowment Policy?
  • Calculator: Should I Continue My Children's Endowment Policy?

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