Investment is a cornerstone of financial security and prosperity, and making informed choices when it comes to investment plans is paramount. In many investment companies, AEGON is one of the best insurers in India, offering a diverse range of investment plans tailored to the unique financial goals and needs of individuals and families. AEGON’s Investment Plans have gained recognition for their flexibility, guaranteed returns, and potential to help individuals achieve their financial aspirations.
This article delves into the AEGON Investment Plans and the key factors to consider when choosing the right plan for your financial future. Whether you're looking to build a comfortable retirement, secure your child's education, or accumulate wealth over time, AEGON's investment offerings offer several possibilities to help you achieve your goals. So, let's uncover the best AEGON Investment Plans and make your financial dreams a reality.
About AEGON Life Insurance Company
AEGON Life Insurance Company is one of the best life insurance providers in India. It is a joint venture between AEGON, a multinational life insurance, pensions, and asset management company headquartered in the Netherlands, and Bennett, Coleman & Company Limited (BCCL), which is one of India's leading media conglomerates. AEGON Life offers a wide range of life insurance and investment products. These products are designed to cater to various financial and protection needs of individuals.
What are AEGON Investment Plans?
AEGON Investment Plans in India are financial products offered by AEGON Life Insurance Company that combine insurance coverage with investment opportunities. These plans are designed to help individuals grow their wealth over time while simultaneously providing life insurance coverage. AEGON offers different types of investment plans to cater to the diverse financial goals and risk appetites of customers. Here are some of the types of AEGON Investment Plans in India:
- Savings Plans
- Retirement Plans
- Money Back Plans
Each of these investment plans has its unique features and benefits, and they can be tailored to an individual's financial goals, risk tolerance, and investment horizon. It's important for individuals to carefully assess their financial needs and compare quotes online at PolicyBachat to select the most suitable plan for their circumstances.
List of AEGON Investment Plans
Savings Plans
Savings plans from Aegon Life provide life insurance coverage, ensuring that your family is financially protected in the event of your unfortunate demise during the policy term. These plans are structured to encourage savings and wealth accumulation. You contribute premiums regularly, and a portion of these premiums is allocated to a savings or investment component. Over time, your savings can grow, helping you meet financial milestones.
- Aegon Life iGuarantee Max Savings
Retirement Plans
Aegon Retirement Plans are specifically designed to help individuals plan for their post-retirement years. These plans aim to build a retirement corpus, ensuring financial security during one's golden years. Retirement plans often come with options for regular income post-retirement, allowing retirees to maintain their lifestyle.
- Aegon Life Saral Pension Plan
- Aegon Life Jeevan Riddhi Insurance Plan
- Aegon Life Insta Pension Insurance Plan
Money Back Plans
Money-back Plans offered by Aegon Life Insurance Company offer periodic payouts during the policy term. Money-back plans offer survival benefits at regular intervals, which can be useful for meeting short to medium-term financial goals.
- Aegon Life Regular Money Back Insurance Plan
Key Features and Benefits of AEGON Investment Plans
Here are some key features and benefits of AEGON investment plans:
- Life Insurance Coverage: AEGON’s investment plans provide life insurance coverage, ensuring that your loved ones are financially protected in the event of your demise during the policy term.
- Investment Opportunities: These plans allow you to invest your premiums in a variety of investment funds, including equity funds, debt funds, and balanced funds. You have the flexibility to choose your investment strategy based on your risk tolerance and financial goals.
- Flexibility: AEGON's investment plans typically offer flexibility in terms of premium payment frequency, policy term, and the option to switch between different investment funds based on your changing financial objectives or market conditions.
- Maturity Benefit: At the end of the policy term, you receive a maturity benefit, which is the accumulated value of your investments. This amount can be used to achieve your long-term financial goals, such as buying a house, funding your child's education, or planning for retirement.
- Tax Benefits: Some Aegon investment plans offer tax benefits under Section 80C of the Income Tax Act. The maturity or death benefits may also be tax-free under Section 10(10D) of the Income Tax Act, subject to applicable tax rules.
- Additional Riders: AEGON investment plans often allow you to enhance your coverage by adding optional riders, such as critical illness riders, accidental death riders, or disability riders, for extra protection.
- Loyalty Additions: Depending on the plan, you may be eligible for loyalty additions, which are additional benefits or bonuses provided by the insurer to policyholders who continue their policies for a specified duration.
Top 3 Best AEGON Investment Plans in India
1. Aegon Life iGuarantee Max Savings
Aegon Life iGurantee Max Savings Plan is a Non-Linked Non-Participating Life Insurance Individual Savings Plan that offers you steady growth of your corpus while simultaneously helping you achieve the milestones and safeguarding your family against unfortunate events.
Eligibility and Key Benefits:
| Entry Age |
3 Months to 50 Years |
| Maturity Age |
18 Years to 70 Years |
| Premium Payment Term |
5, 7, 10, 15, 20 years |
| Policy Term |
7 to 20 Years |
| Premium |
- For Monthly: Rs. 500
- For Half-Yearly: Rs. 3000
- For Annual Mode: Rs. 6000
|
| Sum Assured |
Rs.25 Lacs to No limit |
| Premium Payment Frequency |
Monthly, Half-Yearly, Yearly |
| Features & Benefits |
- Maturity Benefits
- Life Cover
- Loyalty Additions
- Tax benefits
- Flexibility
- add-on riders
|
2. Aegon Life Regular Money Back Insurance Plan
Aegon Life Regular Money Back Insurance Plan is a Non-linked Participating Life Insurance Plan that offers generating a regular stream of income for fulfilling your future goals and provides financial security in case of a policyholder's death.
Eligibility and Key Benefits:
| Entry Age |
Minimum 7 Days to 60 Years |
| Maturity Age |
Maximum 80 Years |
| Premium Payment Term |
Single Pay, 7 Years, 10 Years |
| Policy Term |
20 Years |
| Premium |
7 Years, 10 Years -12000/-
Single Pay – 1 Lakh |
| Sum Assured |
Depends on Age and Premium Payment Term |
| Premium Payment Frequency |
Monthly, Half-Yearly, Yearly |
| Features & Benefits |
- Death Benefits
- Guaranteed Money Back Payouts
- Maturity Benefits
- Additional Benefits
- Bonuses
- Tax Benefits
|
3. Aegon Life Saral Pension Plan
Aegon Life Saral Pension Plan is a Non-Linked Non-Participating Individual Single Premium Immediate Annuity Plan that guarantees a regular stream of income not only for you but also for your spouse in your absence and ensures that you retire from work and not from life.
Eligibility and Key Benefits:
| Entry Age |
Minimum 7 Days to 60 Years |
| Maturity Age |
Maximum 80 Years |
| Premium Payment Term |
Single Pay, 7 Years, 10 Years |
| Policy Term |
20 Years |
| Premium |
7 Years, 10 Years -12000/-
Single Pay - 1 Lakh |
| Sum Assured |
Depends on Age and Premium Payment Term |
| Premium Payment Frequency |
Monthly, Half-Yearly, Yearly |
| Features & Benefits |
- Guaranteed lifelong annuity
- Joint Life Annuity
- Return of Purchase Price
- Flexibility
- Loan facility
- Liquidity for difficult times
|
How to Choose the Right AEGON Investment Plan
Choosing the right investment plan online requires careful consideration of your financial goals, risk tolerance, and investment horizon. AEGON is a well-known financial services company that offers a range of investment products, including Unit-Linked Insurance Plans (ULIPs), Savings Plans and more. Here are the steps to help you choose the right AEGON investment plan online:
- Step 1: Start by identifying your specific financial objectives.
- Step 2: Understand your risk tolerance, which is your comfort level with market fluctuations and potential investment losses.
- Step 3: Research and familiarize yourself with the various Investment Plans available.
- Step 4: Get quotes online at PolicyBachat to compare the expected returns and benefits offered by different investment plans.
- Step 5: Look at factors such as guaranteed returns, loyalty additions, bonuses, and potential market-linked returns.
- Step 6: Understand the charges associated with the plan, including premium allocation charges, fund management charges, and other fees.
- Step 7: Examine the tax benefits associated with the selected plan.
- Step 8: Carefully read the policy document and the terms and conditions to understand the features, inclusions, and exclusions before committing to the investment.
- Step 9: Consider diversifying your investments across different asset classes to spread risk.
- Step 10: Regularly monitor the performance of your investment plan. Evaluate whether it is on track to meet your financial goals, and be prepared to make adjustments if necessary.
How to Buy AEGON Investment Plan Online
The most effective way to buy an AEGON investment plan online is through PolicyBachat, because it offers several advantages, making it a convenient and efficient choice for many individuals. At PolicyBachat, you can compare multiple investment plans from various insurers in one place. This simplifies the process of finding the plan that best suits your needs. Below are the steps to compare and purchase an investment plan online:
- Visit the official website of the PolicyBachat.
- Click on the Investment Plan tab.
- Fill in the requested details such as Name, Mobile Number, and Email Address.
- Enter your Age and City.
- List of best investment plans displayed on your screen
- Compare each plan’s benefits, and returns by clicking on the Proceed button
- Select the plan which suits your requirements.
- Then pay for your plan by using an online payment method.
Frequently Asked Questions
What Types of Investment Plans Does AEGON Offer?
Aegon offers a range of investment plans, including
- Savings Plans
- ULIPs
- Retirement Plans
- Money Back Plans, etc.
How Can I Invest in AEGON Investment Plans?
You can invest in Aegon investment plans by visiting the Aegon website or contacting their customer service number. Or else you can visit the PolicyBachat online platform where you can explore and invest in their various plans.
How Do I Choose the Right Aegon Investment Plan?
Choosing the right AEGON investment plan involves considering your financial goals, risk tolerance, investment horizon, and other personal factors. It's advisable to research the available plans and review their features, and benefits.
Are AEGON Investment Plans Suitable for Long-Term Goals?
Yes, many Aegon investment plans are suitable for long-term financial goals, such as retirement planning, wealth accumulation, and education funding. They offer investment options with various risk profiles to match different investment horizons.
How Can I Track the Performance of My AEGON Investment Plan?
AEGON typically provides regular updates on the performance of their investment plans. You can monitor your investments through their online portal or by contacting their customer support. Additionally, Aegon may offer periodic statements and reports on your investment's performance.
Conclusion
Aegon investment plans offer a diverse range of financial products designed to help individuals achieve their financial goals, whether it's for wealth accumulation, retirement planning, or others. When considering Aegon investment plans, it's crucial to carefully assess your financial objectives, risk tolerance, and investment horizon. By doing so, you can make informed choices that align with your individual needs and preferences.
PolicyBachat provides the best investment plans from the best insurer.So, compare quotes now to get the best investment plan.