MoneyLens / Life insurance & savings
Your policy, explained.
Endowment plan · Krishna Jeevan Nidhi · Krishna Life Insurance Ltd · ••••8826
Illustrative
Endowment plan · Policy held
Started15 Mar
Surrender value, insurer's quote
₹2,46,000
for ₹3,60,000 paid in · as on 20 Oct 2026
So far, if surrendered today
-12.25%
a year · ₹1,14,000 less than paid in
From today, if you continue
1.59%
a year, guaranteed benefits only
Matures
15 Mar 2041
₹9,42,000 guaranteed
An endowment plan with bonuses from Krishna Life Insurance Ltd: ₹60,000 a year for 15 years, over 20 years, with ₹7,50,000 of life cover. ₹9,42,000 is guaranteed at maturity; bonuses come on top but aren't guaranteed. That's about 0.35% a year on guaranteed benefits only. The 4% and 8% figures are illustrations IRDAI requires, not forecasts.
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