How to choose the right retirement plan?

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Once you decide on investing in a retirement insurance policy, consider the following:

• Whether the plan offers the option of long-term savings
• Do you have the flexibility to select retirement /vesting age
• Is there minimum guarantee on investment
• Can you balance your investment between debt and equity
• Does the plan allow additional life cover for your spouse
• Can you increase your monthly savings with an increase in employment income
• Are there annuity options to choose from
• What about bonus clause
• Is there cover for terminal illness
• What riders are available
• What is the cost of investment (charges payable)

Compare premium for pension plan insurance plans.