Pension products provide financial security through a stable retirement income.
With a view to protecting the interests of policyholders, IRDA has issued guidelines to the life insurance industry which provides these products. They include:
All pension products shall have a clearly defined assured benefit at the time of sale an assured benefit applicable on
1 Death
2 Surrender and
3 Vesting
The assured benefit shall not be less than 0%
This benefit shall be utilised on the date of death, surrender or the vesting date as stipulated.
Pension products may have an insurance cover throughout the deferment period or may offer riders.
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