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A Money Back Policy is a type of life insurance that combines life cover with periodic payouts during the policy tenure. These payouts are usually calculated as a percentage of the sum assured and can help policyholders meet planned financial needs. A money back policy may suit individuals seeking periodic payouts along with life insurance coverage. However, those primarily planning for retirement income may also explore a pension plan , as the two products serve different financial needs.
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The features of the Money Back Policy are as mentioned below:
These are the payouts made periodically throughout the policy tenure, which are usually a fixed percentage of the sum assured.
In the case of an unfortunate death of the policyholder during the policy tenure, the nominee receives the death benefit as specified in the policy terms. This amount is received irrespective of the fact that survival benefits have already been granted.
If the policyholder survives until the end of the policy tenure, they receive the maturity amount of the sum assured as mentioned in the policy terms and conditions. This may include the remaining sum assured after considering the survival benefits and any applicable bonuses or additional benefits.
Some participating money back policies may offer bonuses declared by the insurer, subject to the applicable policy terms. These bonuses may increase the total benefits payable under the policy. Non-participating plans generally do not offer such profit-linked bonuses.
The benefits of the Money Back Policy are as mentioned below:
Under this plan, one will receive payouts periodically as a regular source of income, i.e. at regular intervals, which helps to manage short-term financial goals.
This plan offers life coverage, further providing financial security to the family members of the policyholder in the event of his/ her unfortunate demise.
If the policyholder survives throughout the policy tenure, he/ she will receive the remaining amount of the sum assured along with the accrued amount of bonus.
Get tax benefits on the eligible amount of premium paid or benefits received, if any, subject to applicable income tax provisions.
Provided are the steps to understand how a Money Back Policy works:
Make payment towards the premium amount at the frequency chosen initially, i.e. monthly, quarterly, or annually, towards the type of plan chosen, i.e. limited or regular.
During the policy tenure, the insurer provides combined benefits of life cover and survival benefits for the specified duration as mentioned in the plan. The policy may also provide maturity benefits and bonuses, where applicable.
At predetermined time intervals, the policyholders are entitled to receive survival benefits, calculated as a specified percentage of the sum assured. Hence, these payouts help meet planned expenses during the policy tenure.
Once the policy matures and the policyholder survives the plan, they will be entitled to get the maturity benefits in the form of the remaining sum assured. This will include additional bonuses if the policy is a participating one.
If the policyholder dies at any time during the policy tenure, their beneficiaries will receive the death benefits as mentioned in the plan. This will be irrespective of the fact that the survival benefits have already been paid, offering financial security to the family members.
Let us understand this concept with the help of an example:
Mr Rahul buys a non-participating money-back plan having a sum assured of INR 10,00,000 for a policy tenure of 20 years with 20% survival benefits, which will be paid every 5 years.
A) Mr Rahul receives the maturity benefit.
The survival benefit would be received in the 5 th , 10 th , and 15 th years, which would be INR 2,00,000 each (i.e. 20% of INR 10,00,000). Additionally, the balance of INR 4,00,000 would be received as a maturity benefit.
B) Mr Rahul’s beneficiaries receive the death benefit.
The survival benefit of INR 2,00,000 each would be received in the 5 th and 10 th years, and in the 12 th year, he dies due to a road accident. In this case, the beneficiaries will receive the death benefit calculated according to the policy terms, which determine how previously paid survival benefits are treated.
Provided are the steps to buy a money-back plan:
Compare available money-back plans, including benefits, payout schedules, premium amounts, exclusions, and policy terms.
Choose an insurance company with a high claim settlement ratio, good reputation, and prompt service, ensuring a hassle-free and smooth journey.
Make an assessment of your risk tolerance level, financial objectives, and paying capacity towards the premium amount to ascertain the most appropriate plan.
You can also consult a financial advisor to guide you in choosing the best-suited money-back plan depending on your financial needs.
Fill out the application form with accurate details and information to submit it along with the relevant documents.
Pay the premium amount according to the applicable terms and conditions, i.e. single premium, half-yearly, yearly, monthly, or quarterly.
Choosing a money-back plan depends upon your future financial objectives, premium affordability, need for periodic payouts, investment horizon, and risk tolerance level. Before buying a plan, review the benefits, payout schedule, policy terms and exclusions. Individuals primarily planning for retirement income may also explore a pension plan, depending on their long-term financial goals.
A money back policy may suit individuals who want life insurance coverage along with periodic payouts to align with the planned financial requirements. While buying a money back plan, individuals should assess the payout schedule, premium affordability, policy tenure and expected benefits.
A money back policy provides periodic payouts during the policy tenure along with life cover. A pension plan is designed to help individuals build retirement savings or receive income after retirement, depending on the plan chosen. The choice depends on whether the financial objective is periodic payouts during the policy tenure or retirement income.
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