Turn a 12-year premium into a lifetime income machine
Pay premiums for just 12 years, receive guaranteed income for 50 years, reinvest that income as a SIP to build a corpus, and from the 13th year draw an inflation-protected SWP — all while the corpus keeps compounding. Adjust the assumptions and watch it work.
First, a few details
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Plan inputs
Enter the proposal details and assumptions.
yrs
yrs
₹
12 yrs fixed
50 yrs fixed
%
%
%
%
of corpus at start year
₹
The machine at work
Outcomes over the full 50-year horizon.
Wealth corpus created by year 50
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Monthly guaranteed income (reinvested)
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Total premium paid (12 yrs)
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Total income over 50 yrs (incl. maturity)
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Monthly SWP at year 13
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Monthly SWP at year 50
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Total SWP withdrawn
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Corpus growth & SWP income
Year-end corpusAnnual SWP withdrawnPremium years (1–12)
Year-by-year illustration
Premium for 12 years · guaranteed income reinvested as SIP · SWP from the chosen start year.
Year
Insured age
Proposer age
Premium
Annual income
Monthly income
Annual SWP
Monthly SWP
Maturity
Year-end corpus
Important declaration & disclaimer
The figures illustrated above are indicative projections prepared for explanatory purposes only and do not constitute an offer, a contract, or a guarantee of returns. The guaranteed income amount, the income payout percentage, the premium, and the benefits shown will vary from plan to plan and from one insurer to another, and are determined by the life insured's and the proposer's age, the chosen premium payment term, the policy term, the sum assured, underwriting, and the specific product selected. The same plan will therefore produce different results from person to person and age to age.
Benefits also differ between Participating (Par) and Non-Participating (Non-Par) plans. Non-Par plans provide fixed, guaranteed payouts defined at policy inception, whereas Par plans include non-guaranteed bonuses or additions that depend on the insurer's future performance and are not assured. The reinvestment (SIP) and Systematic Withdrawal Plan (SWP) returns used here are assumed rates, not assured returns; actual market-linked outcomes may be higher or lower.
Please refer to the official benefit illustration and the scheme / policy documents of the respective insurer and mutual fund, and consult Shyam Chetwani & Team, before making any financial decision.
Want a personalised income machine for your family?
Get a one-on-one session with Shyam Chetwani and the Skyway Finserve team to design a guaranteed-income, SIP and SWP plan around your exact age, goals and budget.
