IndiaBanks.org · independent research

Insurance

IndiaFirst Life Long Guaranteed Income Plan

IndiaFirst Life Long Guaranteed Income Plan - Get regular assured income, return of premiums & life cover in one plan. Choose your investment amount & premium payment duration for guaranteed returns.

Policy typeGuaranteed-income savings life insuranceInsurerIndiaFirst Life Insurance Company LimitedEntry ageDefinite-income option: 8 to 50 years; whole-life-income option: 30 to 60 years
Official product page ↗Compare category

Quick eligibility check

IndiaFirst Life Long Guaranteed Income Plan

0 of 5 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Does your annual income meet this requirement: Definite-income option: 8 to 50 years?

Published source: Entry age

2Does your annual income meet this requirement: whole-life-income option: 30 to 60 years?

Published source: Entry age

3Are you aged 8 to 50?

4Do you meet this requirement: Minimum basic sum assured is ₹4,80,000 with no maximum limit stated?

5Do you meet this requirement: Minimum premium is ₹48,000 yearly, ₹24,571 half-yearly, ₹12,432 quarterly or ₹4,176 monthly?

0 of 5 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 30 Aug 2026 · active
Offered byBank of Baroda

India; eligibility, branch and channel availability follow the official product terms

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Policy typeGuaranteed-income savings life insuranceView source
The official page calls this a guaranteed income plan with return of premium and life cover.
Source
IndiaFirst Life Long Guaranteed Income Plan
Page / section
Overview
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
InsurerIndiaFirst Life Insurance Company LimitedView source
The official product identity identifies IndiaFirst Life.
Source
IndiaFirst Life Long Guaranteed Income Plan
Page / section
Product identity
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Entry ageDefinite-income option: 8 to 50 years; whole-life-income option: 30 to 60 yearsView source
The page publishes separate age ranges by income option.
Source
IndiaFirst Life Long Guaranteed Income Plan
Page / section
Eligibility criteria
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Income period20 or 30 years for definite income; until age 99 for whole-life incomeView source
The official page publishes fixed-duration and age-99 income choices.
Source
IndiaFirst Life Long Guaranteed Income Plan
Page / section
Features and eligibility
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Minimum basic sum assured₹4.8 lakh; no maximumView source
The eligibility section lists a ₹4.8 lakh minimum with no maximum.
Source
IndiaFirst Life Long Guaranteed Income Plan
Page / section
Eligibility criteria
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Minimum premium₹48,000 yearly; ₹24,571 half-yearly; ₹12,432 quarterly; ₹4,176 monthlyView source
The official page lists the mode-specific minimum premiums.
Source
IndiaFirst Life Long Guaranteed Income Plan
Page / section
Eligibility criteria
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
BenefitsGuaranteed income, return of total premiums at the end of income period, and death benefit as lump sum or monthly income for 5 years; optional riders availableView source
The page lists income, return-of-premium, death-payment and rider features.
Source
IndiaFirst Life Long Guaranteed Income Plan
Page / section
Benefits and features
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Long Guaranteed Income optionsDefinite Income pays guaranteed income for 20 or 30 years; Whole of Life Income pays until age 99. Total premiums are returned at the end of the income-benefit period, and death benefit can be taken as a lump sum or monthly income over 5 years.View source
The official Benefits and Features sections publish the two income options, premium return and death-benefit payout modes.
Source
IndiaFirst Life Long Guaranteed Income Plan
Page / section
Benefits / Features
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Long Guaranteed Income eligibilityEntry age is 8–50 years for Definite Income and 30–60 years for Whole of Life Income. Minimum basic sum assured is ₹4,80,000 with no maximum limit stated. Minimum premium is ₹48,000 yearly, ₹24,571 half-yearly, ₹12,432 quarterly or ₹4,176 monthly.View source
The official Eligibility Criteria section publishes option-specific ages, minimum sum assured and premium frequencies.
Source
IndiaFirst Life Long Guaranteed Income Plan
Page / section
Eligibility Criteria
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Key exclusionsFor suicide within 12 months from commencement of risk or revival, the nominee receives 80% of total premiums paid or the surrender value, whichever is higher, provided the policy is in force. The full policy wording controls any other exclusions.View source
The policy clause states the 12-month suicide window and the higher-of-80%-of-premiums-or-surrender-value benefit.
Source
IndiaFirst Life Long Guaranteed Income Plan policy document ( 143N054V06)
Page / section
Page 13, Suicide Exclusion
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Geographic limitsGuaranteed income, return of total premiums at the end of income period, and death benefit as lump sum or monthly income for 5 years; optional riders availableView source
The manually reviewed product record states: “Guaranteed income, return of total premiums at the end of income period, and death benefit as lump sum or monthly income for 5 years; optional riders available”.
Source
IndiaFirst Life Long Guaranteed Income Plan — official product page
Page / section
Published product metadata
Accessed
21 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Guaranteed income, return of total premiums at the end of income period, and death benefit as lump sum or monthly income for 5 years
  • optional riders available

Eligibility

  • Entry age is 8–50 years for Definite Income and 30–60 years for Whole of Life Income. Minimum basic sum assured is ₹4,80,000 with no maximum limit stated. Minimum premium is ₹48,000 yearly, ₹24,571 half-yearly, ₹12,432 quarterly or ₹4,176 monthly.

Passing a listed condition does not mean the bank will approve an application.

Related official documents

IndiaFirst Life Long Guaranteed Income Plan policy document (UIN 143N054V06)official-policy-document · current · accessed 29 Aug 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Life-cover needs estimate

See whether your current cover and savings may leave a gap for your family. This does not calculate an insurance premium.

Possible cover gap₹1,15,00,000one crore fifteen lakh rupees
Income your family may need₹1,00,00,000one crore rupees
Cover and savings already counted₹5,00,000five lakh rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Guaranteed Retirement Plan · Waiting / lien conditionNot applicable

This value is copied from IndiaFirst life plans — waiting and suicide conditions. Check the table notes before relying on it.

Source: IndiaFirst Life policy documents — conditions summary · Guaranteed Retirement page 1; Long Guaranteed Income page 13; Super Protection pages 18 and 24 Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 3 rows · 3 columnsIndiaFirst life plans — waiting and suicide conditionsKey conditions transcribed from the reviewed official insurer documents.View tableHide table

Scroll sideways to view every column

IndiaFirst life plans — waiting and suicide conditions
ProductWaiting / lien conditionSuicide condition
Guaranteed Retirement PlanNot applicableWithin 12 months: higher of 80% total premiums or surrender value
Life Long Guaranteed Income PlanNo separate medical wait publishedWithin 12 months: higher of 80% total premiums or surrender value
Super Protection PlanBase cover: no wait published; optional waiver critical illness: 180 daysWithin 12 months: higher of 80% total premiums or surrender value
  • Free-look and premium grace periods are separate administrative provisions and are not medical waiting periods.
IndiaFirst Life policy documents — conditions summary · Guaranteed Retirement page 1; Long Guaranteed Income page 13; Super Protection pages 18 and 24 · accessed 29 Aug 2026Open official source ↗

More from Bank of Baroda

Related products

Accident Care Individual Insurance Policy

Individual or family personal-accident cover underwritten by Star Health, with accidental death, permanent and temporary disablement, cumulative bonus and optional medical, hospital-cash and home-convalescence benefits.

View product

Arogya Sanjeevani Policy - National

A standard National Insurance indemnity health policy distributed through Bank of Baroda, available on an individual or floater basis with ₹1 lakh–₹5 lakh sum-insured options, hospitalisation and day-care cover, 5% co-pay, published waiting periods, full premium matrices and lifelong renewability.

View product

Auto Secure Private Car Package Policy - TATA AIG

Tata private-car package motor insurance distributed through Bank of Baroda. It combines own-damage cover for accident, fire, theft, natural and social perils with third-party liability, owner-driver personal accident cover, an -based vehicle sum insured and optional add-ons such as depreciation reimbursement, hire car, engine, tyre, roadside and misfuelling assistance.

View product

Auto Secure Two-Wheeler Package Policy - TATA AIG

Tata two-wheeler motor insurance distributed by Bank of Baroda, with liability-only or comprehensive cover, -based own-damage protection, owner-driver personal accident cover, published depreciation schedules and optional roadside, medical, invoice, consumable, personal-accident, engine, electric-surge, battery and tyre/rim covers.

View product