For thousands of NRIs working in the UAE, the ultimate dream is to return to Kerala and live a peaceful, financially independent life. But for many, the question remains — how to ensure a steady income after returning home?
That’s where My Golden Retire (https://www.mygoldenretire.com/) steps in — an expert agency providing retirement and pension guidance led by Mr. Vishundas, an authorized Bajaj Life Insurance professional with years of experience helping Gulf NRIs plan their golden years.
For one-on-one guidance and to build your customized retirement plan, contact Mr. Vishundas directly https://wa.me/918547125619
Why UAE NRIs Need a Dedicated Retirement Plan for Kerala
Most UAE-based NRIs work for 15–25 years, earning well but often overlooking structured retirement planning. Many depend solely on their savings or property investments in Kerala, which might not provide consistent monthly income.
Here’s why structured pension planning is essential for UAE returnees:
- No Gulf pension system: Once you return, there’s no employer-backed pension.
- Rising living costs: Kerala’s expenses, especially medical and daily needs, increase yearly.
- Longevity: With better healthcare, you may live longer — needing income stability.
- Financial independence: Avoid depending on children or family.
- Inflation protection: A fixed pension ensures you don’t struggle with future costs.
A Bajaj Life Insurance Retirement Plan gives you the power to convert your Gulf savings into a guaranteed lifelong income.
Bajaj Life Insurance – India’s Trusted Retirement Partner
Bajaj Life Insurance is one of India’s top 4 life insurance companies, known for its independent strength and trusted customer service — achieved without any bank ownership.
Its retirement plans are designed to help you build guaranteed monthly income, protect your family, and grow your wealth safely — ideal for NRIs returning from the UAE to Kerala.
Through My Golden Retire, you’ll receive personalized, step-by-step guidance from Mr. Vishundas, ensuring your investments translate into a lifelong pension.
Get expert advice now → https://wa.me/918547125619
Top Bajaj Life Retirement Plans for UAE NRIs
1. Bajaj Allianz Life Guaranteed Pension Goal
A perfect plan for those seeking assured income after retirement. It offers guaranteed pension and peace of mind.
Key Features:
- Fixed monthly or annual pension for life.
- Guaranteed returns unaffected by market ups and downs.
- Life cover protection for your loved ones.
- Ideal for NRIs planning to retire in Kerala.
2. Bajaj Allianz Life LongLife Goal
This plan helps you continue receiving income even beyond retirement, along with wealth accumulation during your working years.
Highlights:
- Flexible payout options — monthly or yearly.
- Lifelong income.
- Tax benefits under Indian law.
3. Bajaj Allianz Retire Rich Plan
For NRIs who want market-linked returns with retirement security, this plan combines investment growth and guaranteed annuity options.
Benefits:
- Higher returns potential.
- Secure pension payout.
- Life cover and protection for your family.
Real Estate vs Pension Fund: Which Is Better for UAE NRIs?
Many returning NRIs invest heavily in real estate in Kerala — but it’s not always a reliable source of monthly income.
| Factor | Real Estate | Bajaj Life Pension Plan |
|---|---|---|
| Income Stability | Depends on rent | Guaranteed monthly income |
| Maintenance | High | Zero |
| Liquidity | Difficult to sell | Easy withdrawals |
| Risk | Market fluctuations | Guaranteed by Bajaj Life |
| Tax Benefits | Limited | Section 80CCC, 10(10A) |
| Family Protection | None | Life cover benefit |
Clearly, Bajaj Life Pension Plans are more predictable, flexible, and stress-free for UAE NRIs retiring in Kerala.
Example: How a UAE NRI Can Build Monthly Pension
Let’s say you’re a 40-year-old NRI working in Dubai.
You invest ₹25,000 per month in the Bajaj Allianz Guaranteed Pension Goal for 15 years.
By the time you turn 55, you can expect:
- A guaranteed monthly income of ₹55,000–₹65,000 for life.
- Life cover protection.
- Tax savings every year.
This means your Gulf earnings transform into lifelong financial security — perfect for your Kerala retirement.
Why Choose My Golden Retire for Your Pension Planning
My Golden Retire is not just a platform — it’s a trusted agency helping thousands of NRIs secure their post-retirement life.
Led by Mr. Vishundas, an authorized Bajaj employee with years of expertise in retirement planning, the agency provides transparent, personalized, and NRI-focused guidance.
Why NRIs Choose Us:
- Authorized Bajaj Life Insurance guidance.
- Specialized in NRI retirement solutions.
- Decades of experience and client trust.
- Hassle-free pension setup and management.
For direct consultation, reach out here https://wa.me/918547125619
Advantages of Bajaj Life Insurance for NRIs
- Top 4 in India: Bajaj stands among the top insurers in India, known for excellence and innovation.
- Independent and Trusted: Not owned by any bank, Bajaj stands out as a strong, reliable insurance company.
- High Claim Settlement Ratio: Ensures financial confidence for policyholders.
- NRI-Friendly Services: Easy documentation and policy management from abroad.
When you invest in Bajaj through My Golden Retire, you get both — a strong brand and expert human guidance.
Steps to Build a Kerala Retirement Plan for UAE NRIs
- Get a Free Consultation:
Chat with Mr. Vishundas at https://wa.me/918547125619. - Select Your Plan:
Choose from Bajaj’s guaranteed or market-linked pension plans. - Customize Your Income Goal:
Decide your target retirement age and desired monthly pension. - Start Investing:
Begin small or big — consistency builds your retirement fund. - Relax & Retire in Kerala:
Enjoy lifelong income and peace of mind when you move back home.
Real-Life Story: From UAE to Kerala with Bajaj Pension
Mr. Rajesh, a 45-year-old NRI working in Abu Dhabi, wanted financial independence after retirement. With guidance from Mr. Vishundas, he invested in the Bajaj Allianz Guaranteed Pension Goal.
Now, as he prepares to move back to Thrissur, he’s confident of receiving ₹60,000 monthly pension for life, ensuring comfort and dignity in his golden years.
His words:
“Thanks to Bajaj Life and My Golden Retire, I don’t have to worry about rent, bills, or emergencies — my pension covers it all.”
Conclusion: Plan Today, Relax Tomorrow
For every UAE NRI returning to Kerala, the key to a peaceful retired life is consistent, guaranteed income. Real estate or savings alone may not secure your future, but Bajaj Life Insurance’s retirement plans, managed through My Golden Retire, can.
With India’s top 4 insurance brand, and expert guidance from Mr. Vishundas, you can confidently build your dream retirement in Kerala — free from financial stress.
Visit: https://www.mygoldenretire.com/
Chat for expert guidance: https://wa.me/918547125619
Your golden years in Kerala deserve a golden plan — powered by Bajaj Life Insurance and My Golden Retire.