Other Plans
A few less common life insurance structures worth knowing about, beyond term, ULIP, endowment, child, and retirement plans.
Whole Life Plans
Cover that runs for your entire life (often up to age 99 or 100) rather than a fixed term, usually paired with a savings or bonus component.
Money-Back Plans
An endowment variant that pays out a percentage of the sum assured at intervals during the term, rather than only at maturity, with the balance plus bonus paid at the end.
Guaranteed-Return Plans
Non-market-linked savings plans where the maturity value is fixed and disclosed upfront, for savers who want to know the exact outcome in advance.
FD-Linked Plans
Savings-oriented life insurance marketed as an alternative to a fixed deposit, combining a modest life cover with a fixed, disclosed maturity value.
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