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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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Endowment Premium: Opinion

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Decision-making Corner

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