ULIPs (Unit Linked Insurance Plans)


ULIPs (Unit Linked Insurance Plans)

Combine the benefits of life insurance and investment with our ULIPs. These dynamic plans not only offer a life cover but also provide an opportunity to grow your wealth through market-linked investments. Our advisors guide you in understanding the intricacies of ULIPs, helping you make informed decisions that align with your long-term financial goals.

Features and Benefits


Dual Purpose

ULIPs serve a dual purpose of life insurance coverage and investment growth, combining insurance and investment components.

Investment Flexibility

Policyholders have the flexibility to invest in a variety of funds, including equity, debt, or a combination of both, based on their risk appetite and financial goals.

Market-Linked Returns

ULIP returns are linked to the performance of the chosen funds, providing the potential for higher returns based on market performance.

Fund Switching

ULIPs allow policyholders to switch between different funds based on changing market conditions or investment objectives.

Lock-In Period

ULIPs typically have a lock-in period, ensuring a long-term investment horizon, aligning with the policyholder's financial goals.

Partial Withdrawals

Some ULIPs allow policyholders to make partial withdrawals after the lock-in period, providing liquidity for specific financial needs.

Death Benefit

In the event of the policyholder's demise, the beneficiary receives the higher of the sum assured or the fund value, providing financial protection.

Maturity Benefit

ULIPs offer maturity benefits, where the policyholder receives the fund value at the end of the policy term if they survive the tenure.

Additional Riders

ULIPs often offer additional riders such as critical illness cover, accidental death benefit, or disability cover, enhancing the overall coverage.


Life Insurance Coverage

ULIPs provide life insurance coverage, ensuring financial protection for the family in case of the policyholder's demise.

Wealth Creation

ULIPs offer the potential for wealth creation through market-linked returns, allowing policyholders to participate in the growth of the financial markets.

Flexibility in Premiums

Policyholders can choose their premium amounts based on their financial capacity and adjust it during the policy tenure.

Tax Benefits

Premiums paid towards ULIPs are eligible for tax deductions under Section 80C, and the maturity proceeds are tax-exempt under Section 10(10D) of the Income Tax Act.

Goal-Based Investing

ULIPs are suitable for goal-based investing, allowing individuals to align their investments with specific financial objectives such as education or retirement planning.

Dynamic Asset Allocation

Fund switching in ULIPs enables dynamic asset allocation, allowing policyholders to adapt their investment strategy based on market conditions.

Long-Term Wealth Planning

ULIPs encourage long-term wealth planning by combining life insurance with investment, providing a comprehensive financial solution.

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