INL Nishchit Pension Plan: Retirement Made Simple, Secure & Stress-Free

Why is retirement planning always so complicated?

Let’s be honest — retirement planning isn’t exactly dinner-table conversation. It feels overwhelming, filled with financial jargon, too many choices, and that lingering thought: “I still have time.”

But the truth is, it doesn’t have to be complicated. In fact, when done right, retirement planning is simple, clear, and reassuring.

That’s where the IndusInd Nippon Life Nishchit Pension Plan steps in — a retirement solution designed to bring you guaranteed income for life and zero uncertainty.

Planning ahead with Deferment

Karan is in his late 40s and plans to retire at 60. He doesn’t want to leave things to chance, so he puts aside ₹10 lakhs today in a Deferred Annuity option.

• He defers his income till age 60.
• From age 60 onwards, he starts receiving ₹5 lakhs pension per year for life.
• Even if he lives till 90, his income never stops.

For him, it’s about securing peace of mind early, so he doesn’t have to stress later.

A couple opting for Joint Life Security

Ramesh (55) and Sunita (52) are close to retirement. Ramesh, the primary earner, has one non-negotiable condition: “I don’t want Sunita to worry about money if something happens to me.”

They choose the Joint Life + Return of Premium option.

• Ramesh receives lifelong income after retirement.
• In case of some unfortunate incident, Sunita continues to get the same income for her lifetime.
• Once both are gone, the premiums paid are returned to their children/nominee.

This completes the entire cycle – income with protection and a legacy to leave behind.

Leading life with simplicity

Anita recently retired. She doesn’t want to take risks with the market because of medical expenses that may crop up later in life due to health reasons.

She opts for a Single Life + Return of Premium annuity.

• She gets guaranteed income every year for life.
• If she passes away early, her nominee receives the premiums back.

For her, the simplicity and predictability of this plan outweigh everything else.

The common thread here is “certainty”

Retirement planning does not always have to be overwhelming. Whether it’s planning 10 years ahead of your retirement, protecting your spouse in your absence, or keeping things simple post-retirement, IndusInd Nippon Life Nishchit Pension Plan adapts to your needs. The best part is, there is complete transparency so no surprises! Know more about the plan. Talk to your advisor now.

Ready to Plan Your Retirement?

Choosing a pension plan isn’t about numbers alone — it’s about protecting the life you’ve built. Whether you’re a planner, a protector, or someone who just wants things simple, there’s an option for you.

See which option fits your life goals best.

Click here to secure your future with IndusInd Nippon Life Nishchit Pension Plan.

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FAQs

Can I exit if I change my mind?

Yes, the plan has surrender options, though terms and conditions apply.

Can I get a loan against this policy?

Yes, loans are available under this plan.

What if I pass away early?

Depending on the option you choose, your spouse may continue to receive income, or your nominee may get back the premiums you paid.

What if I die before my retirement age?

If you’ve chosen a Return of Premium option, your nominee will receive the full premium amount back.

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Mktg/INLIC/blog_NP/V1/Jan26

In case of Joint life annuities, the payout continues till either of the lives chosen in the policy is alive. The word Guaranteed means that annuity payout is fixed at the inception of the policy. The Total Premiums Paid is equal to annualized premium multiplied by premium payment term and is exclusive of GST & other statutory levies. Monthly Income is 8.07% of Yearly Annuity. Please check the prevailing annuity rate at the time of purchasing policy. IndusInd Nippon Life Nishchit Pension (UIN: 121N158V03) is A Non-Linked, Non-Participating, Individual, Deferred Annuity Plan. For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale.

 

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