In India, several insurance platforms offer guaranteed long-term insurance plans, providing policyholders with a combination of life coverage and a savings component. Here are some of the major platforms in India that offer these types of policies:

1. Life Insurance Corporation of India (LIC): LIC, is one of the largest life long-term insurance plans in India, offers a range of whole life insurance plans with guaranteed returns. Some of their popular offerings include:

• Jeevan Labh: This plan provides guaranteed additions to the sum assured at specific intervals, along with a guaranteed loyalty addition at maturity.
• Jeevan Akshay VII: A whole life plan with a guaranteed addition to the sum assured every year, and the option to receive a pension after the premium payment term.
• Jeevan Umang: A unit-linked whole life plan that offers a guaranteed addition to the fund value every year, along with market-linked returns.

2. Private Life Insurance Companies: Several private life insurance companies in India also offer whole life long-term insurance plans with guaranteed interest rates and returns. Some notable examples include:

• HDFC Life Sanchay Plus: This plan from HDFC Life offers a guaranteed addition to the sum assured every year, along with the potential for additional non-guaranteed returns based on the company’s performance.
• ICICI Prudential Life’s Whole Life Insurance: This plan provides a guaranteed sum assured on death, as well as a guaranteed maturity benefit based on the premium paying term.
• Max Life Whole Life Super: Max Life’s whole life plan offers a guaranteed sum assured on death and a guaranteed maturity benefit, along with the potential for additional bonuses.

3. Bancassurance Platforms: Many banks in India have tie-ups with insurance companies to offer life insurance products, including whole life plans with guaranteed interest rates. Some examples include:

• SBI Life Insurance Company Limited: SBI Life offers the Smart Wealth Builder plan, which provides a guaranteed sum assured on maturity and death, along with the potential for additional returns.
• HDFC Life Click 2 Invest: This plan from HDFC Life, available through HDFC Bank, offers a guaranteed sum assured on maturity and death, along with the potential for additional returns based on the company’s performance.
• ICICI Prudential Life’s PruBancassurance Wealth OPFL: Offered through ICICI Bank, this plan provides a guaranteed sum assured on maturity and death, along with the potential for additional bonuses.

4. Online Insurance Platforms: With the rise of digital platforms, several online insurance aggregators and websites now offer guaranteed long-term insurance plans with interest rates. Examples include:

• PolicyBazaar: This online insurance marketplace offers whole life plans from various insurers, allowing customers to compare and choose the plan that best suits their needs.
• EasyPolicy: EasyPolicy provides a range of whole life insurance plans from different insurers, along with tools to calculate premiums and returns.
• Bajaj Allianz Life Insurance: Bajaj Allianz offers the Guaranteed Wealth Pro plan, a whole life insurance policy with guaranteed additions to the sum assured at specific intervals.