Investment Plan

Life insurance is often used as a form of investment, and is thus also referred to as the best investment plans. The plans offer a two-way benefit. Firstly, they offer the safety net of insurance where the insured and his/her nominee or family get the necessary cover to guard against any potential risks, and on secondly, they get an investment product that they can use to meet their goals – whether short-term or long-term.

These investment plans are essentially of two types, Unit Linked Insurance Plans or ULIPs that provides returns based on market performance, and traditional endowment plans that offer a lump sum or annuity payout at the end of the investment policy term when the life insurance investment policy matures. Both these types of savings schemes or investment plans offer a policyholder life cover and a savings option but differ in their construct.

The best investment plans invest the premium as paid by the policyholder in the stock market and gives them returns which are comparatively volatile as they depend on the performance of the stock markets – debt or equity. Whereas, an endowment plan offers lower but safer returns. However, a customer does not get to know where they are saving money or it is being invested due to the opaque construct of endowment plans, unlike ULIPs where they know where their money is being put. ULIPs offer customers the option to check the status of their investments through a figure called the Net Asset Value (NAV), among others. That’s why a ULIP is also known a best investment plan.

Nonetheless, endowment plans have their benefits. Where ULIPs give the investment policyholder a lot more flexibility and transparency, endowment plans act as a guaranteed savings plan option as they offer definite returns.

Know more about Investment Plan

LIC Investment Plans

  • New Jeevan Anand

  • LIC's New Jeevan Anand Plan is a participating non-linked plan which offers an attractive combination of protection and savings. This combination provides financial protection against death throughout the lifetime of the policyholder with the provision of payment of lumpsum at the end of the selected policy term in case of his/her survival.

  • New Endowment Plan

  • LIC's New Endowment Plan is a participating non-linked plan which offers an attractive combination of protection and saving features. This combination provides financial support for the family of the deceased policyholder any time before maturity and good lump sum amount at the time of maturity for the surviving policyholders. This plan also takes care of liquidity needs through its loan facility.


  • Single Endowment Plan

    LIC's Single Premium Endowment Plan is a participating non-linked savings cum protection plan, where premium is paid in lump sum at the outset of the policy. This combination provides financial protection against death during the policy term with the provision of payment of lumpsum at the end of the selected policy term in case of his/her survival. This plan also takes care of liquidity needs through its loan facility.

Aegon Investment Plans

  • iMax

    Aegon Life iMaximize Insurance Plan aims to maximise your investments. It has no premium allocation charges, thus increasing the availability of more fund for investment.


  • iGuarantee

    Aegon Life iGuarantee Insurance Plan ensures you receive what you are promised and at the right time. So you can achieve your goal, regardless of the situation. Plus, you can avoid the hassle of going through the tedious paper work and do it online without any medicals!


  • iIncome

    The Aegon LIfe iIncome Insurance Plan not only provides your family with a lump sum but also yields a regular income in case something wrong were to happen to you. Plus, you can avoid the hassles of going through the tedious paper work and do it online.