Annuity plans: Compare payouts from various options, understand trade-offs
Last Update Date: 06-10-2026
Published by Business Standard
Abhishek Kumar's role: Quoted
Abhishek Kumar cautioned that the market-linked part of such plans can pay less when equities fall. He said deferred annuities let a buyer fix today's annuity rate for income that starts later, but their returns may trail a diversified portfolio.
More of Abhishek's views on insurance
Business Standard looks at a new annuity plan that pairs a fixed lifetime income with a payout linked to equity markets, and at annuity choices more broadly. It explains single and joint life, deferred and immediate, increasing and return-of-purchase-price options, and the trade-offs in liquidity, payout size and inflation protection.
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Annuity plans: Compare payouts from various options, understand trade-offs