Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Claim, renew, manage & moreLogin

Top 5 Endowment Plans For Wealth Appreciation

Updated On Jun 16, 2021

Everyone desires a financially stable and secure future. Moreover, it is always beneficial if your regular savings that help you grow your wealth. An endowment plan offers you all these facilities and more. There are many benefits as well as covers available under an endowment plan. All of it goes on to make them a highly advantageous insurance option. 

There are many endowment plans available in the market. According to your goals, needs and circumstances, you may choose the best one available. This article will help you find some of the top endowment plans that are helpful for wealth appreciation.

What is Wealth Appreciation?

Wealth appreciation is an increase in the value of the savings corpus over a certain period. This increase is usually due to investments and returns percentages. It is also affected by (although not in the case of endowment plans), market trends of inflation. 

Wealth appreciation is important because it helps to increase the current value of your savings. Over time, you can then have a substantial amount of savings in place. Endowment plans are a great option for this, especially because they provide guaranteed additions. 

Top 5 Endowment Plans for Wealth Appreciation

The following are some of the best endowment plans for wealth appreciation.

Endowment Plan Name

Claim Settlement Ratio for FY19

HDFC Life Endowment Assurance Plan


Aditya Birla Sun Life Insurance Vision Endowment Plan


SBI Subh Nivesh Plan


Kotak Life Insurance Premier Endowment Plan


Bharti AXA Elite Advantage Life Insurance Plan


Advantages of Endowment Plans

If you are still wondering whether or not to buy an endowment plan, here are some advantages you might want to consider. The following are some of the key advantages available with endowment plans:

  • Guaranteed Additions

Make sure you purchase an endowment plan with guaranteed additions. If applicable, they are added to your policy at the end of the policy year. The rate of the guaranteed additions depends on the premiums that have been paid under the endowment plan. They are very advantageous for wealth appreciation goals.

  • Paid-Up Policy Benefits

If your endowment plan offers a paid-up benefit, you can keep the insurance plan active without paying premiums. This is very helpful in sustaining the plan for a long period. It is especially helpful in providing cover for the family even if the policyholder passes away.

  • Risk-Free Investment

Endowment plans are completely risk-free. Although the returns from them may seem low, you are assured to receive them and they do not fluctuate tremendously. This not only helps in growing your wealth but also assures you of negligible problems with your savings.


In conclusion, with an endowment plan, there is much to look forward to. If your goal is wealth appreciation, an endowment plan is the best insurance choice. The above-mentioned plans are some of the best that are available for that purpose.

Also read 

What Happens When An Endowment Policy Matures?

Does It Make Sense To Surrender An Endowment Policy?

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.        

Popularly Opted Term Insurance Sum Assured

People Also Read

Must BuyMust Buy

Why to Buy Life Insurance Policy Online from InsuranceDekho

  • Tax benefit upto 1,50,000*
  • Claim support everyday 10AM-7PM
  • 50 Lacs+ happy customers
Find the right life insurance for you
By clicking, I agree to *terms & conditions  and privacy policy.
Find the right life insurance for you
By clicking, I agree to *terms & conditions  and privacy policy.