How non-participating plans by insurers work as investment option
Last Update Date: 06-10-2026
Published by Business Standard
Abhishek Kumar's role: Quoted
Abhishek Kumar explained that payouts from these plans move closely with government bond yields. He cautioned that they may not beat inflation and offer little liquidity, and suggested risk-averse investors could treat them as part of long-term debt holdings.
More of Abhishek's views on insurance
The article explains non-participating life insurance savings plans, which fix the payout upfront and are drawing interest as markets turn volatile. It covers how they differ from linked and participating plans, their tax treatment, payout options, low liquidity and the checks buyers should make before signing up.
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How non-participating plans by insurers work as investment option