Digital Icon Guaranteed Return Savings Plan

Digital Icon Guaranteed Return Savings Plan by Go Digit Life Insurance is a non- ...Read More

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Himanshu Kumar
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Himanshu

Himanshu Kumar

Term & Life Insurance

Himanshu is a content marketer with 2 years of experience in the life insurance sector. His motto is to make life insurance topics simple and easy to understand yet one level deeper for our readers.

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Apeksha Parsai

Apeksha Parsai

Term & Health Insurance

Apeksha Parsai has trained young minds about the benefits of health & term insurance throughout her 8+ years career. She designs, develops, and delivers impactful training programs for agents/brokers, and internal teams. Her expertise lies in insurance product knowledge, sales strategies, regulatory compliance, and customer service.

Updated on Jul 21, 2025 6 min read

Digital Icon Guaranteed Return Savings Plan

Digital Icon Guaranteed Return Savings Plan by Go Digit Life Insurance is a non-linked investment plan. Your funds are not affected by the market conditions and returns are safe and secure ensuring stability. 

If you're someone who's looking for a life cover along with a safe, zero-risk investment with guaranteed returns, to either diversify your existing investment portfolio, or to secure funds for a future life goal (such as buying a house, or planning for your child's higher education), then this can be a good option for you. It's a combination of a life coverage and a saving plan.

Digital Icon Guaranteed Return Savings Plan offers you a range of benefits including:

why-choose
  • Comprehensive Life Coverage
  • Guaranteed Returns
  • 2X Sum Assured on Death
  • Tax Benefits
  • Multiple Plan Variants to Choose From
  • Choice of Payout Option

Eligibility Criteria for Go Digit STEP Plan

Your Occupation

Entry age

Minimum Age - 18 years Maximum Age - 65 years

Mukhyamantri Amrutam Yojana

Maturity age

Maximum maturity age- 100 years

Your Gender

Policy tenure

Depends on the plan option you choose

Maternity Benefit Rider

Premium payment term

Limited premium, single premium, or regular premium

Dr YSR Aarogyasri Trust

Premium payment frequency

Yearly, half-yearly, quarterly, monthly

Maternity Benefit Rider

Sum assured

No limit

How Does Digital Icon Guaranteed Return Savings Plan Work?

Let's understand how the Digital Icon Guaranteed Return Savings Plan works with a simple premium illustration.

Why Buy Term Insurance Online?

Problem

Mr Sharma is looking for a plan that provides him life coverage along with guaranteed returns on the investment.

Solution

While surfing, he visited PolicyX.com and booked a free appointment with their expert advisor. The advisor suggested Mr Sharma buy the Digital Icon Guaranteed Return Savings Plan.

Mr Sharma bought Digital Icon Guaranteed Return Savings Plan. Let's understand how the plan works for him with a simple premium illustration table.

Age of policyholder Annual premiums Policy tenure Premium payment term Total premiums paid Sum assured
30 years Rs 1,25,928 70 years 12 years Rs 15,11,136 Rs 1 crore

Key Takeaways:

(i) In the case of Mr Sharma’s unfortunate demise before he turns 60, the death benefits worth Rs 2 crore will be paid to his nominee and the policy will lapse with effect.

(ii) In the case of Mr Sharma’s unfortunate demise after he turns 60, the death benefits worth Rs 1 crore will be paid to his nominee and the policy will lapse with effect.

Features of Digital Icon Guaranteed Return Savings Plan

Here are some features of Digital Icon Guaranteed Return Savings Plan:

Go Digit Life Insurance Company Life Plan

Digital Icon Guaranteed Return Savings Plan

Digital Icon Guaranteed Return Savings Plan

Digital Icon Guaranteed Return Savings Plan by Go Digit Life Insurance is a non-linked investment plan. Your funds are not affected by the market cond...

Unique Features

  • Guaranteed Returns
  • 2x Sum Assured on Death
  • Comprehensive Life Cover

Digital Icon Guaranteed Return Savings Plan (Pros)

Digital Icon Guaranteed Return Savings Plan
  • Guaranteed Returns
  • 2x Sum Assured on Death
  • Comprehensive Life Cover

Digital Icon Guaranteed Return Savings Plan (Cons)

Digital Icon Guaranteed Return Savings Plan
  • No pre-existing condition
  • Suicidal exclusion
  • No auto-cover continuance

Digital Icon Guaranteed Return Savings Plan (Other Benefits)

Digital Icon Guaranteed Return Savings Plan
  • Choice of Payment
  • Multiple Plan Options
  • Choice of Policy Tenure

Digital Icon Guaranteed Return Savings Plan (Eligibility Criteria)

Digital Icon Guaranteed Return Savings Plan
  • Minimum entry age- 18 years
  • Maximum entry age- 65 years
  • Minimum sum assured- Depends on minimum premium
  • Maximum sum assured- No limit
  • Maximum policy term- 40 years
Tired of Pushy Sales? Get Insurance, Your Way Tired of Pushy Sales? Get Insurance, Your Way

Benefits of Digital Icon Plan

There are various benefits to buying the Digital Icon Plan. Let’s understand each of them in detail:

  • Comprehensive Life Coverage: Digital Icon Plan offers life coverage that protects your family in case of your uncertain death during the policy tenure.
  • Guaranteed Returns: This plan provides guaranteed returns irrespective of the market voltality.
  • 2X Sum Assured: In case of the accidental death of the policyholder, their family will receive 2X sum assured.
  • Tax Benefits: The premiums paid for this plan are eligible for tax deductions under the Section 80 (C) of the Income Tax Act, 1961.

Documents Required to Buy Digital Icon Plan

Here is the list of documents required to buy the Digital Icon Plan:

  • Regular Smoking
    Photo ID Proof
  • Your Occupation
    Age Proof
  • Pre-Existing Diseases
    Address Proof
  • Your Age
    Medical Records
  • Your Gender
    Income Proof
Photo ID Proof

Photo ID Proof (either of one) - Passport, Aadhar card, PAN card, Driving license.

How to Buy Digital Icon Guaranteed Return Savings Plan?

You can buy the Digital Icon Guaranteed Return Savings Plan official website or one of their nearest branch offices.

Life Insurance
  • Step 1

    Visit the official website of PolicyX.com.

  • Step 2

    Click on the ‘Investment’ tab.

  • Step 3

    A new page will appear on the screen.

  • Step 4

    Fill out the form at the top of the page with the necessary details.

  • Step 5

    Select your income and city. Click on 'Proceed'.

  • Step 6

    Update your education and occupation details.

  • Step 7

    Choose your preferred plan and click on 'Buy this plan'.

  • Step 8

    Select the policy term, premium period, investment amount, and riders (if required), and then proceed to pay.

Life Insurance
  • Step 1

    Visit the official website of Go Digit Life Insurance.

  • Step 2

    Hover over the 'Life Insurance Plans' from the top of the menu.

  • Step 3

    Click on the 'Digital Icon Guaranteed Return Savings Plan'.

  • Step 4

    Click on ‘Buy Now’ and you will be redirected to a new page.

  • Step 5

    Enter your name and contact information. One of their representatives will reach out to you and discuss the quotes.

  • Step 6

    Once discussed you can make the premium payment and get the policy documents.

Buying from their branch office

You can buy the Digital Icon Guaranteed Return Savings Plan offline by visiting one of their nearest branch offices. One of their representatives will help you buy the plan.

Your Occupation

Exclusions of Digital Icon Guaranteed Return Savings Plan

  • In case the policyholder commits suicide within 12 months of policy purchase then no death benefits are offered to their family members. Either 80% of the premiums paid to date or the surrender value acquired to date whichever is higher is paid.

Plan At a Glance

What’s Good Here What’s Missing
Guaranteed Benefits Premium Offset
Additional Riders High sum assured rebate
Flexibility Auto cover continuance
Tax benefits Top-up premium

In a nutshell

Digital Icon Plan is one of the best savings plan offered by Go Digit Life Insurance that offers you dual benefits of a life cover along with returns on the amount invested by you. This plan offers various additional benefits including unlimited teleconsultations, mental health consultations, health-checkups and much more. 


If you are still confused about whether Digital Icon Plan is the right choice for you or not, you can contact us at PolicyX.com.
 We offer No Spam, No Gimmicks, and Only Expert Insurance Advice. So what are you waiting for? Book an appointment with us today.

FAQs: Digital Icon Guaranteed Return Savings Plan

1. What is Digit ICON – Guaranteed* Returns Savings Life Insurance Plan?

Digit Icon is a non-linked, non-participating individual life insurance savings plan. Digit Icon is not linked to the market and thus remains unaffected by the volatility of the stock market, ensuring your investment is secure and stable.

2. Who can buy the Digit ICON plan?

Anyone who wants to get a return on their investment can buy the Digital ICON plan.

3. How long is the policy term for Digit ICON?

The policy term for Digit ICON varies based on the chosen variant and plan options. It can range from a few years to whole life coverage, depending on the specific needs and preferences of the policyholder.

4. Does Digit ICON offer a loan facility?

Yes, you can take the loan under this policy subject to minimum amount of Rs. 5,000 and maximum amount not exceeding 80% of available surrender value as per the terms and conditions of policy.

5. What happens if I miss paying a premium?

If you miss a term plan premium payment, your policy will generally have a grace period (typically 15-30 days) during which you can still pay the premium without losing coverage.

6. Is there a death benefit under this plan?

Yes, the Digit ICON plan includes a death benefit. In the event of the life assured’s death during the policy term, the nominee will receive a lump sum payout.

7. Can I surrender the Digit ICON policy early?

Yes, it is possible to surrender the Digit ICON policy early, but it’s crucial to understand the implications.

8. Are riders available with Digit ICON?

Yes, riders are available with Digit ICON.

9. Is Digit ICON suitable for tax savings?

Yes, Digit ICON is suitable for tax savings.

Life Insurance Companies

Compare and buy the most suitable Life Insurance Plan from the below-mentioned IRDAI-approved Life Insurance companies.

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Himanshu Kumar

Written By: Himanshu Kumar

Himanshu is a seasoned content writer specializing in keeping readers engaged with the insurance industry, term and life insurance developments, etc. With an experience of 2 years in insurance and HR tech, Himanshu simplifies the insurance information and it is completely visible in his content pieces. He believes in making the content understandable to any common man.

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