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Retire Smart Plan
What is Retire Smart Plan?
The Ageas Federal Life Insurance Retire Smart Plan is a non-linked, non-participating guaranteed annuity plan that transforms your entire retirement corpus into a predictable, lifelong retirement income stream. Pick either immediate or deferred annuity, add joint life coverage for spouse, opt for increasing annuity to beat inflation, and even claim your return of purchase price.
How Retire Smart Plan Works
Discover a simple, no-fuss way to lock your retirement income in three easy steps.
Choosing the base plan option
Step 1: Choose Your Annuity Option
Step 2: Set Your Parameters
Step 3: Pay Your Premium
Pick from 9 annuity structures, with or without return of purchase price.
Step 1: Choose Your Annuity Option
Pick from 9 annuity structures, with or without return of purchase price.
Step 2: Set Your Parameters
Step 3: Pay Your Premium
Key Features of Retire Smart Plan
Unpredictable income plays foul for retirement planning. Ageas Retire Smart is built differently with features to protect your savings and guarantee peace of mind.
Immediate or Deferred Annuity
Retired recently? With Ageas Retire Smart, start receiving guaranteed annuity income immediately. For those still working, lock in your annuity rate today and defer payouts until you need them.
Return of Purchase Price
Ageas Retire Smart plan ensures lifetime retirement corpus protection. All you have to do is pick either 50% or 100% of your return of purchase price to be paid back to your family, long after you’re gone.
Early Return of Premiums at Milestone Age
By the time you hit a milestone age like 75 or 80 years, you can claim your return of purchase price as a lump sum.
Flexible Annuity Payout Frequency
Ageas Retire Smart allows you to receive the guaranteed annuity income according to your life expenses. Choose to receive the income yearly, half-yearly, or monthly, in advance or in arrears.
Time to Lock in Your Retirement Income
Investing in a functional, guaranteed annuity plan like Ageas Federal Life Insurance Retire Smart can be a rewarding step for life’s golden years. With a fixed annuity rate at policy purchase, you’ll never have to worry about changing interested rates, whether its RBI’s repo rate cut, inflation, or anything else. All you have to do is buy early and lock your retirement income.
The best time to lock in your retirement corpus was yesterday. The next best time is now.
Plan Related Documents
Prospectus
Sample Policy Documents
Customer Information Sheet
Guaranteed Surrender Value (GSV) Factors
Disclaimer
This page gives only the salient features of the Ageas Federal Life Insurance Retire Smart Plan, a non-linked, non-participating Individual General Annuity Plan (UIN: 135NXXV01). The plan is governed by the full legal terms, conditions and exclusions contained in the policy document. Please read the policy document carefully.
Tax benefits are as per the Income Tax Act, 1961, and are subject to amendments. Annuity rates illustrated are indicative only and not guaranteed future projections. The product is underwritten by Ageas Federal Life Insurance Company Limited (IRDAI Regn. No. 135; CIN: U66010MH2007PLC167164). BEWARE OF SPURIOUS / FRAUD PHONE CALLS. IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums.
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