Guaranteed income plans
These life insurance savings plans pay a guaranteed income or lump sum at set times, with life cover throughout. They suit goals that need certainty, such as a child’s education or a fixed retirement income.
Savers who want certainty over market returns
Parents planning for fixed future expenses
What is covered
Guaranteed payouts as stated in the policy
Life cover during the premium-paying term
Payout to the nominee on death
What is not covered
Returns beyond those guaranteed in the policy
Full value if surrendered early
Covers and exclusions vary by insurer and plan; the policy wording applies.
Making a claim
How a claim works with Kreeva
01
Inform us
The nominee calls or messages us with the policy details.
02
Claim form
We help complete the insurer’s claim form.
03
Documents
Death certificate, ID and bank details, plus others the insurer asks for.
04
Payment
We follow up until the insurer pays the nominee.
Guaranteed income plans — questions
Can I stop paying premiums early?
Surrendering early usually returns less than you paid. We explain the surrender value before you commit.
Not sure which plan fits? Ask an advisor.
Free consultation. No obligation to buy.