Jobs aren't guaranteed to last forever.

It is true that life is full of uncertainty. However uncertain could it be, you can make it certain for your life to be stable and safe, when you have a perfect Plan B.

If 12 years period is the minimum guaranteed period of chanced workability for you, the best thing you can do is to put some money in insurance plans which offer a decent term cover along with a steady and equal amounts of free annual income from when you reach 55.

It surely is going to be a WIN-WIN for you, because:

If you happen to exit the materialistic world while your policy is in force, your nominee will get the lumpsum.

If you had an Accidental Total and Permanent Disability, you would get the lumpsum which helps you to get along with the rest of the life, and your policy continues.

Finally, if you survive beyond 55, you will receive a fixed annual income until you reach 85.

Initially, the premium may seem to be a bit high, but when you go through the benefits of the policy you will definitely admire the worth, and you would certainly want to know how this works for you.

Anyone interested can leave a message on my WhatsApp 7569456789 Your wealth wisher. Umapathy, Business Associate with TATA AIA. *Sample Illustration for an Indian Male, 35, Non-Smoker, 36 LPA. Sum Assured 5 Cr. (SA decreases annually at 9 lakhs per year once the survival benefit starts) Assured ATPD Benefit 2.5 Cr Annual premium: 5,14,562-00(GST included) Premium Payment Term: 12 Years. Waiting period for annual income: 8 Years. Guaranteed Annual Survival Benefit: 9,00,000-00 Annual Survival benefit for 30 Years from 55th Age year. Policy Term: 50 Years I agree that the income you would get from this sort of insurance policies may not be sufficient for you to live large, but surely it can keep you afloat.

• Sample illustration need not be 100% correct. Actuals may vary. #These are my thoughts I wanted to share after reading that post by a Bengaluru IT Couple with no Kids.