Guaranteed Long-Term Income | Compare Across Top Insurers

Guaranteed Long-Term Income Plans

These plans let you pay for a few years and then receive a fixed income for a long period, often 20 to 30 years or more, with a lumpsum at the end in many plans. We compare the income for every rupee of premium and the real return across insurers.

Get quotes from top insurers, as per your need.

Who it suits

People planning a future income for retirement
Parents planning a long-term family income
People who want to lock today's rates for the long run
NRIs planning an income in India

Common mistakes

Looking only at the total income received
Ignoring the gap years before income starts
Not counting the effect of inflation on fixed income
Not comparing with annuity options

What we check

Yearly income compared to premium paid
Gap period and income term
Lumpsum or premium return at the end
Real return and tax treatment

Watch: Detailed Video Explanations

Guaranteed Long-Term Income Plans: full playlist on YouTube

Frequently asked questions

Is the income taxable?

Tax treatment depends on the policy, premium amount, issue date and current law. We check this for your case before you buy.

What if the policyholder dies during the income period?

Most plans pay a death benefit as per policy terms, and many continue the income to the nominee or pay a lumpsum. Terms differ by plan.