Life Insurance - Savings & Investment Plans
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Savings and Investments Plans
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Tata AIA
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HDFC Life
Overview
Financial planning is the key to fulfilling your dreams and aspirations. From providing for your family to buying a home or a car, good planning ensures lifetime financial security for your family, even in case of an unfortunate event of the death of an earning member of your family. The sign of a sound financial plan is the inclusion of adequate life insurance coverage in the plan, with an element of savings built along side. Life Insurance is also an important saving instrument. Insurance saving plans can help you organise specific needs like saving for your child's education, marriage, settlement in life, purchase of a house, retirement and other financial goals.
Disclaimer: Tata Capital Limited (“TCL”) bearing License no. CA0896 valid till 21-Jan-2027, acts as a Composite Corporate Agent for TATA AIA Life Insurance Company Limited, HDFC Life Insurance Company Limited, BAJAJ Allianz Life Insurance Company Limited, Kotak Mahindra Life Insurance Company limited, TATA AIG General Insurance Company Limited, IFFCO Tokio General Insurance Company Limited & Star Health and Allied Insurance Co Ltd. Please note that, TCL does not underwrite the risk or act as an insurer. For more details on the risk factors, terms & conditions please read sales brochure carefully of the Insurance Company before concluding the sale. Participation to buy insurance is purely voluntary.
The Registered office of TCL is Tata Capital Limited, 11th Floor, Tower A, Peninsula Business Park, Ganpatrao Kadam, Marg, Lower Parel, Mumbai-400013
What are Savings and Investment Plan
Saving and investment plans help you accumulate funds over a period of time. Depending on the type of financial goal you have – short-term or mid-term, or long-term, you can choose the period of investment. It is not necessary to stay invested in saving plans for at least 5 years.
Key Features and Benefits
Note* The features above may or may not reflect in the plans sourced by our corporate agents. Please check our plans and their features to know more.
Types of Savings and Investment Plan
Guaranteed saving plans are life insurance cum saving plans that offer life cover along with an avenue to save and grow your wealth.
For example, with the above-mentioned plan, if you pay Rs. 10,000 per month for 10 years, you will get Rs. 29.85 Lakhs at the end of 20th policy year. Such plans help you fulfil your long-term goals as the returns are guaranteed.
From time to time, the Government of India introduces saving schemes for the citizens of India. There is a wide variety of saving schemes introduced by the government that may help you reach your retirement goals or saving goals.
Systematic Investment Plan (SIP) is a mode of monthly investment plan where in the investor puts the money in mutual funds. You can choose to invest as low as Rs. 500. This saving and investment plan allows disciplined savings.
Difference between Term and Savings and Investment Life Insurance
In terms of life insurance, most people are aware that both term insurance, as well as investment plans, offer a life cover. However, they both cater to different needs. While term plans fulfill the need for protection, investment plans fulfill the need for savings. You will be able to choose the right plan for yourself once you identify the differences, the features, and your needs pertaining to each category of life insurance. These factors can help you arrive at the best term insurance policy or make a comparative analysis of term insurance vs an investment plan.
Here are the main points of difference between the two:
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