Investment Plans (ULIP)
Grow wealth in the market, with your family protected.
Unit Linked Insurance Plans invest your premium in equity, debt or balanced funds of your choice while also covering your life. They suit long-term goals of 10 years or more and offer tax-efficient returns.
- Lock-in
- 5 years
- Fund choices
- Equity, debt, balanced
- Fund switches
- Free switches every year
- Tax benefit
- Sec 80C and 10(10D)*
Choose the investment plans (ulip) that fits you
Not sure which one is right? Tell us your situation and we'll recommend the best fit.
Wealth ULIP
Equity-focused plans for long-term wealth creation.
Child ULIP
Market-linked plans with premium waiver to secure a child's goals.
Pension ULIP
Build a retirement corpus in market-linked funds.
Zero-cost ULIP
Plans that refund mortality and admin charges at maturity.
Why people choose our investment plans (ulip) advice
- Choice of equity, debt and balanced funds
- Free fund switches as markets change
- Partial withdrawals after the lock-in
- Loyalty additions on long-term plans
Know exactly what you're buying
We read the fine print for you and explain inclusions, exclusions and waiting periods in plain words.
- Life cover during the policy term
- Fund value on maturity
- Higher of fund value or sum assured on death
- Partial withdrawals after 5 years
- Long-term investors with a 10+ year horizon
- People saving for retirement or children's goals
- Those who want insurance and investment together
- Returns are market-linked and not guaranteed
- Charges reduce returns in the early years
- Exit before 5 years moves money to a discontinued fund
- *Tax-free maturity applies within premium limits set by law
Investment Plans (ULIP) premium: what decides it?
Two people buying the same investment plans (ulip) can pay very different premiums. Here is what insurers look at, and how to pay less without cutting the cover you need.
What it depends on
- Age of the person or vehicle being insured
- Sum insured or cover amount chosen
- Health, lifestyle and medical history (for life and health cover)
- Add-ons and riders selected
- Claim history and no-claim bonus (for motor and health)
- City or zone, occupation and policy term
How to pay a lower premium
- Buy early: premiums are lowest when you are young and healthy
- Choose the right cover, not the cheapest or the biggest
- Compare insurers on claim record and exclusions, not just price
- Pick only the add-ons you actually need
- Renew on time to keep your no-claim bonus and waiting-period credit
Documents required for Investment Plans (ULIP)
Choose your applicant type to see the checklist. Keep self-attested copies ready; we'll collect and verify them for you.
Document Proof
8 items- Aadhaar Card
- PAN Card
- Voter Card
- Driving Licence
- Utility Bill (Electricity / Water)
- Passport
- Recent Photograph
- Cancelled Cheque
Income Proof
4 items- Income Tax Return (2 yrs)
- Bank Statement (12 months)
- Current Salary Slip (if salaried)
- Form 16 (if salaried)
Document Proof
9 items- Utility Bill (Electricity / Water / Telephone)
- Bank Statement
- GST Certificate
- Udyam Certificate
- Aadhaar Card
- PAN Card
- Passport
- Recent Photograph
- Cancelled Cheque
Income Proof
3 items- Income Tax Return (2 yrs)
- GSTR (3 yrs)
- Bank Statement (12 months)
The exact list can vary by insurer and your profile. Not sure what applies to you? Our advisor will confirm in one call.
From first call to claim
Scroll through the steps to see what we do at each stage.
Expert tips before you buy
- 1Stay invested for at least 10 years to ride out market cycles.
- 2Check total charges; newer online ULIPs are much cheaper.
- 3Use free switches to move to debt funds as your goal nears.
Investment Plans (ULIP): common questions
Talk to an expert today
Share a few details and we will call you back. The first consultation is free.
- Call us+91 92122 66375
- WhatsAppChat with an advisor
- Office hoursMon to Sat, 10:00 am to 7:00 pm
Request a call back
We usually respond the same working day.
Your financial goals,
one window away.
Speak to an advisor today. Free consultation, honest advice, and help with every document.