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Is this Insurance missing from your Financial Plan? PowerPoint PPT Presentation


Unit linked plans are the best ways to invest in a savings account while also partially invest in market-linked returns.

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Is this Insurance missing from your Financial Plan?

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Is this insurance missing from your financial plan

Is this Insurance missing from your Financial plan?


Is this insurance missing from your financial plan

ULIP or Unit Linked Insurance Plan offers risk cover and investment options to the insured person or the policyholder. The qualified investment parameters are stocks, mutual funds and bonds. The investment element of this insurance policy can be customized according to the person’s choices and needs and is considered as a single integrated plan.


Is this insurance missing from your financial plan

  • Who are eligible to invest in a ULIP policy?

  • ULIP allows its investors to monitor their investments while also providing flexibility to switch the insured’s capital between funds for varying risk-return profiles and investments.

  • ULIP is a long term investment and is best suited for individuals who have a long-term coverage need.


Is this insurance missing from your financial plan

  • There are a number of advantages of Unit Linked Insurance Plan (ULIP). Few of them are listed below:

  • Market Linked Returns: A Unit Linked Insurance Plan offers the insured person the benefit of earning market linked returns as part of their premiums that are invested in mutual funds, stocks and bonds.

  • Flexibility: There are three major benefits that add to flexible options of ULIP. The insured can switch from varied investment funds to match their personal needs. One can partially withdraw their funds subject to terms and conditions levied by the finance institutions. The insurance can add a single premium to invest in an additional sum of money, subject to conditions laid out by the lending organization.

  • Investment, Savings and Life Protection: While investing in a market-linked fund, the insured creates a savings space for himself and also enjoys the benefit of life protection.


Is this insurance missing from your financial plan

  • What are the different types of ULIP available in the market?

  • Type I ULIP: In Type I Unit Linked Plan, the death benefit is equal or higher to the sum assured or fund value after maturity.

  • Type II ULIP: In Type II Unit Linked Plan, the death benefit is equal to sum assured and the fund value.

  • A number of other Unit-linked insurance policies and products are available as per your goals and needs, namely, retirement planning, health plans, education plan, marriage and other investment purposes.


Is this insurance missing from your financial plan

ULIP or Unit Linked Insurance plans offers tax benefits under Section 80C. Mortality charges, fund management charges, administration charges and premium allocation charges are the charges and costings included in this insurance plan.

An individual can choose a ULIP plan if they are looking out for benefits like investment, savings and life protection all in one.


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