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About Endowment Policy

Endowment policies cover the insured for a specified period. Thus, the insured has the option to insure himself till he wishes to be insured. Upon the death of the insured (during the term of the policy), the nominee receives the sum assured plus the bonus, if any. Bonus is paid for the number of years the policy was in force. Upon maturity, the insured receives the sum assured plus the bonus for the term of the policy, if any. Thereafter, the insured is not covered by the policy. Endowment policies are broadly classified into two types - Endowment - Without profit and Endowment - With profit.

The endowment without profit policies are also known as term insurance plans offer the nominee the sum assured only, upon death of the insured.

Endowment- With Profit: In this type of policy the nominee receives sum assured plus bonus for the number of years the policy was in force in case of policy holder\'s death. In case of survival upto the policy term the insured receives sum assured plus bonus for the term of the policy. These policies participate in the profits of the insurance company.

Why People Choose Deal4Insurance.com for Insurance
Lowest Premium In India
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Free Insurance Consultation
Online Insurance Glossary
Bias for long-term customer relationships
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Continuous improvement in customer processes

Best Endowment Plans in India 2016

1. Reliance Life Insurance Super Endowment Policy

2. Kotak Classic Endowment Policy

3. LIC New Endowment Policy

4. HDFC Life Endowment Assurance Policy

5. SBI Life Endowment Policy

6. Reliance Endowment Policy

7. Kotak Premium Endowment Policy

8. Aviva Dhan Nirman Endowment Policy

9. Bajaj Allianz Endowment Policy

10. AEGON Life Premium Endowment Policy

11. IDBI Fedral Endowment Policy

Why People Choose Deal4Insurance.com for Insurance
Lowest Premium In India
24 x 7 Instant Policy Issue
Free Insurance Consultation
Online Insurance Glossary
Bias for long-term customer relationships
Responsive service
Caring mindset at all customer touch points
Continuous improvement in customer processes

Guaranteed Policy

Endowment insurance policies guarantee that a sum of money will be given to you or your beneficiaries whether you live until the insurance policy matures or you die early. The face value of an endowment policy will be given to the policyholder on the "maturity date" or to the beneficiary of the life insurance policy in the event the insured dies. The bonuses under the policy are not guaranteed. Thus with endowment policy you get the dual advantage of guaranteed policy benefits and non guaranteed bonus.

Benefits of Endowment Policy
Endowment policies give you the following benefits:
1. They are low risk plans to invest in since the maturity benefits are guaranteed.
2. The endowment policy gives your loved ones financial security.
3. Endowment policies help you avail tax benefits.

Additional Bonus on Endowment Policy
There are various types of bonuses declared by an insurance company. Bonus is an extra amount of money additional to the proceeds, which is distributed to a policyholder by an insurer. Only holders of with-profits policy are entitled to a share in these profits and the payment of this bonus is conditional on the life insurer having surplus funds after claims, costs, and expenses have been paid in particular year.
The bonuses are classified as
• Reversionary Bonus: Additional money added to the amount payable on death or maturity of with-profits policy. Once a reversionary bonus has been made it cannot be withdrawn if the policy runs to maturity or to the death of the insured.

• Terminal Bonuses: A discretional additional amount of money added to payments made on the maturity of an insurance policy or on the death of an insured person.

Rider Benefits
There are various additional rider benefits that are available for you to choose from as per your requirement certain additional benefits are as follows that cater to your comprehensive coverage.
• Accidental Death Benefit
• Accidental Permanent Total/ Partial Disability Benefit
• Family Income Benefit
• Waiver of premium Benefit
• Critical Illness Benefit
• Hospital cash Benefit

Maturity Benefits
pon surviving the term of the policy or upon the end of the policy or maturity, the insured receives sum assured plus bonus for the term of the policy. The amount receivable upon maturity is tax-free. This is the maturity benefit under an endowment policy.

Why People Choose Deal4Insurance.com for Insurance
Lowest Premium In India
24 x 7 Instant Policy Issue
Free Insurance Consultation
Online Insurance Glossary
Bias for long-term customer relationships
Responsive service
Caring mindset at all customer touch points
Continuous improvement in customer processes

Testimonials

Few of our clients & their testimonials

See what our clients have to say about our services at Deal4Insurance.com and read through some testimonials that they have given.

Excellent service Deal4Insurance.com, compared and purchased health insurance for my parents in about 5 minutes. Nice layout and very simple. Cheers! "

-Prashant Sultania IT Professional, Bangalore

"I consider myself lucky to come through Deal4Insurance.com, really easy to buy an insurance policy on it. I bought Health insurance for me and my wife in just few minutes time. Very easy to use. "

- Neeraj Marketing, Haryana

"I was panicking when I realised travel agent didn’t provide the insurance for the trip just before the travel day . I found Deal4Insurance.com was quite helpful and got sorted instantly over a phone call. Great Service. "

-Sumanta Paul IT Professional, Mumbai

I did my vehicle insurance through Deal4Insurance.com earlier, so when the insurance of vehicle fleet expired I contacted them. They did a great a service to renewing them immediately without much hassle.

- Chandan Sharma Aum Express, Delhi

I met with an accident last month with my i20, contacted Deal4Insurance.com and they helped me through towing and cashless repairment. I was quite impressed by the professional approach and speedy service.

- Apurba Barman Impulse, Kolkata

Company informations

Reliant Concepts
G1, Abhinash Mansion,
Joshi Road, Karol Bagh,
New Delhi - 110005, India

Contact details

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[email protected]

+91-9899899058
+91-9810094242
+91-011-69000553

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Mon to Sat : 10:00 AM to 7:00 PM

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