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Guaranteed Savings Plan - The New Investment Channel

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Guaranteed Savings Plan - The New Investment Channel
November 16, 2023
Given the degree of uncertainty in the present day life cycle, being prepared with all the possible options is the best that a person can do. Among these options, life insurance is a critical one that not only keeps your financial core intact but also ensures that the future of your loved ones remains shielded from any financial shocks even in your absence. In the innovative and consumer-oriented insurance segment of today, insurance is not only viewed as a safety for future but also as an associated vehicle for investment. After all, seeking higher returns upon maturity of a plan after the term is over is every policy holders’ basic quest.


While hunting for investment options, we are often motivated by a subtle desire of higher returns in a time-bound manner with a significantly disproportionate volume of the monies invested. In simpler terms, a higher return against a low risk is what sounds to be the perfect definition of a good investment. However, given the way things work when it comes to investments and the related market risks – this is not always so.

Traditionally, it has been observed and even stressed that a high risk venture is a win or lose game game – it can either yield higher profits or may lead to a significant loss. Therefore, traditional investment plans has always emphasized the value of term of an investment or the number of years for which an investment corpus must be built without any withdrawal or lapse. This certainly holds true because trusted and tested best investment policies work on the principle of compounding and the fact that small amounts of capital pooled in regularly over time and the compounding of the entire corpus over that time (usually in annual terms), attains a huge value upon maturity.

For any long term investments, a responsible and informed investor considers the factors of time lapse and inflation as well as the frequency of continuous investment. The number of years for which an investment plan is held, the premiums involved and the maturity terms of the plan – these factors decide the ultimate pay out at the time of maturity. Yet the fact is that the amount of lump sum can at best be projected precisely. What if a plan goes a step further and actually lets you know the exact amount of lump sum benefit that you will be entitled to upon the maturity of that plan?

HDFC Life presents the HDFC Life Guaranteed Savings Plan  – a non-participating endowment plan that seeks to secure you and your loved ones financially and is aimed at creating a corpus for you at the time of maturity. It is a unique plan in the sense that the maturity value is declared at the outset and thus, you know your due entitlement after paying the due premiums, at the time of maturity of the plan. Moreover, this plan is comprehensively exempted from any medical examination or check up and gives due credit to self-declared health statement. The payment process of premiums is highly flexible, with you getting to choose from the options of paying once or in 5-7 years at a self-chosen frequency.

For further details, click on the mentioned link: https://www.hdfclife.com/savings-investment-plans/pos-guaranteed-savings-plan. 

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Francis Rodrigues Francis Rodrigues

Francis Rodrigues has a decade long experience in the insurance sector, and as SVP, E-Commerce and Digital Marketing, HDFC Life, manages the online sales channel, as well as digital and performance marketing. He has had hands-on experience in setting up sales channels and functional teams from scratch over a career spanning 2 decades.

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Vishal Subharwal Vishal Subharwal

Vishal Subharwal heads the Strategy, Marketing, E-Commerce, Digital Business & Sustainability initiatives at HDFC Life. He is responsible for crafting and ensuring successful implementation of the overall organisation strategy.

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