Moneyback Policy

Moneyback Policy Service By Dhanalakshmi Securities

As you approach different stages in life, there are dreams and aspirations that you set out for yourself and your family. But this does not set you free from the day to day responsibilities of managing house, paying for health expenses, school fees etc. To help you ensure that none of this is compromised for the other, a money back plan can fulfill your dreams uninterrupted.


What Is A Moneyback Policy

The purpose of investing in the insurance policy in India for your loved ones can be to create wealth over an extended period. A moneyback policy helps in providing liquidity facility and pays out a percentage of the sum assured amount consistently at the time of policy tenure. It pays a percentage of the assured sum throughout the policy tenure, unlike other types of life insurance plans that offer no returns till maturity. An average money back policy with a 20 year tenure would thus pay the policyholder what is known as a ‘Survival Benefit’ a few years after the start of the policy. Around 20% of the Sum Assured would be paid out periodically, while the balance would be paid out at the time of policy maturity with a bonus, if any.

What does moneyback policy cover?
  • Death
  • Maturity
  • Tax Deduction


  • Provides insurance cover during the policy term.
  • Pays out regular benefits throughout the term.
  • Works as an insurance policy as well as a long-term investment with good returns.
  • Provides tax benefits.
  • Less risky than other investments offering similar returns like mutual funds.
  • Enables long-term savings and regular income.
  • Ensures that amounts are disbursed regularly.
  • Some plans extend the insurance coverage guaranteed death benefits even after the maturity date and the last survival period, up to when the life insured attains the age of 100.
  • There are optional riders that cover things like specific illnesses, critical illnesses, disabilities, etc.
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Endowment Policy

Endowment plans offer you guaranteed returns on the death of the insured or after maturity

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Term Insurance Plan With Return On Premium

Secure your family and get back your premium.

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Guaranteed Income Plan

A guaranteed income plan packs a variety of options and benefits that can help you get peace of mind once you retire

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Importance of Moneyback Policy

Choosing between money back and term plans depend on your personal needs and financial situation. If you want to use insurance as an investment product, opting for the best money back policy is recommended.


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