Guaranteed income planA fixed yearly income, with life cover
- Suits
- Anyone who wants an income they can plan around
- You pay
- For a set number of years, often 5 to 12
- You get
- A yearly income for decades, as the policy sets out
Three plans, chosen with you, for the years ahead.
A guaranteed income, life cover with a growing fund, and a pension. Put together for you from insurers' products, with the reason for each.
- No spamEver.
- 2–3 plansNot 200.
- Claim helpStart to finish.
The three plansPut together from insurers' products
One plan for each job.
TULIPA term plan and a ULIP, put together
- Suits
- Earners with a family who depends on them
- You pay
- A yearly premium for both, while you earn
- You get
- Large life cover, plus a market-linked fund
Pension planAn income for life after work
- Suits
- Anyone planning the years after work
- You pay
- Yearly until you retire, or all at once
- You get
- A pension for life, from the age you choose
0% GSTon individual life insurance premiums
5 yearslock-in on every ULIP
4% & 8%the two rates every ULIP illustration shows
30 daysto return a new policy
Term cover calculator30 seconds · nothing is sent
How much life cover do you need?
Cover to look at
₹3.25 crore
until age 60 · a 28-year term
Rule of thumb: 10–15× income, plus loans and ₹20 lakh per child, less savings. An illustration, not a plan recommendation.
Cover this with a TULIP planWhy GVNGSame insurers, different experience
Buying alone, or buying with us.
Alone onlineWith GVNG
ShortlistHundreds of plans2–3, with reasons
ApplicationOn your ownFilled in with you
RenewalsEasy to missReminder 30 days ahead
ClaimsA helplineA person you know
Fee to youNoneNone
How it worksAbout a week
- 01
Tell us
One-minute form or WhatsApp.
- 02
Get 2–3 plans
Within a working day, with reasons.
- 03
Apply together
We fill the form with you.
- 04
We stay
Renewals, nominees, claims.
Get my quoteAbout a minute
Tell us what you need. A person replies.
No spam. No pressure. No calls after you say no.
- Call
- +91 76007 29555
- +91 97373 04182
Questions6
Quick answers.
What is TULIP?
A term plan and a ULIP, put together. The term plan gives a large life cover for a small premium; the ULIP builds a fund that moves with the markets.
How much life cover do I need?
Roughly 10–15 times your yearly income, plus loans and the children's education, less your savings. Try the calculator above.
Guaranteed income plan or TULIP?
They do different jobs. A guaranteed income plan pays the income its policy sets out; TULIP gives the most cover for each rupee plus a market-linked fund. We show you both side by side.
Why are ULIP figures shown at 4% and 8%?
IRDAI sets these two rates for every ULIP illustration. They are not guaranteed, and not the upper or lower limits of what you may get back.
Do you charge a fee?
No. You pay the insurer's premium only. We are paid a commission by the insurer.
Will you help when I claim?
Yes. We guide the route, speak to the insurer, check your papers and follow up until it is settled.
From the GVNG DeskPlan the rest of it
