What is the average return on ULIP?

The average return on ULIP can vary depending on the specific plan and the market conditions. However, historically, ULIPs have provided average returns of around 10-12% per annum.

Is ULIP good for the long term?

Yes, ULIPs can be a good investment option for long-term investors. This is because they offer the potential for market-linked returns, which can grow significantly over time. Additionally, ULIPs typically have a lock-in period of five years, which encourages investors to stay invested for the long term.

Is ULIP guaranteed returns?

No, ULIPs are not guaranteed returns. This is because they are market-linked investments, and as such, their returns are subject to market fluctuations. However, some ULIPs offer minimum guaranteed returns, which provide a safety net for investors.

Can ULIPs give higher returns?

Yes, ULIPs can potentially give higher returns than traditional insurance plans. This is because they are invested in market-linked funds, which have the potential for higher returns than fixed-income investments. However, it is important to note that higher returns come with higher risk.

ULIP Returns in 25 Years

A 25-year ULIP (Unit Linked Insurance Plan) emerges as an attractive investment option, offering a unique blend of life insurance protection and the potential for substantial market-linked returns.

4.8^~ Rated
7.7 Crore Registered Consumer
50 Partners Insurance Partners
4.2 Crore Policies Sold

ULIP Plans

Plan starting from ₹1,000/month
Save upto ₹46,800 in Tax under section 80C^{^}
Zero LTCG Tax^¶
In built life cover

We are rated^~

7.7 Crore

Registered Consumer

50

Insurance Partners

4.2 Crore

Policies Sold

Top performing plans with High Returns^**

Invest ₹10K/month & Get ₹1 Crore^# on Maturity

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We are rated^~

7.7 Crore

Registered Consumer

50

Insurance Partners

4.2 Crore

Policies Sold

Disclaimer: #The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. *Tax benefits and savings are subject to changes in tax laws. All plans listed here are of insurance companies’ funds.

Fund Name

AUM

NAV

Returns (in %)

3 Year

5 Year

10 Year

High Growth Fund

Max Life

AUM:8,482 Cr

8,482 Cr

NAV

119.99

1.59%

Returns

23.95%

Returns

31.9%

Highest Returns

Returns

20.47%

Get Details

Whole Life Mid Cap Equity Fund

Tata AIA

AUM:13,435 Cr

13,435 Cr

NAV

158.69

2.49%

Returns

21.08%

Returns

27.7%

Highest Returns

Returns

20.43%

Get Details

Virtue II

PNB Metlife

AUM:3,532 Cr

3,532 Cr

NAV

77.53

1.12%

Returns

17.59%

Returns

26.28%

Highest Returns

Returns

17.97%

Get Details

Accelerator Mid-Cap Fund II

Bajaj Allianz

AUM:6,452 Cr

6,452 Cr

NAV

86.49

1.27%

Returns

17.79%

Returns

22.67%

Highest Returns

Returns

16.96%

Get Details

Opportunities Fund

HDFC Standard

AUM:40,966 Cr

40,966 Cr

NAV

78.44

1.16%

Returns

15.75%

Returns

23.42%

Highest Returns

Returns

16.86%

Get Details

Fund Name

AUM

NAV

Returns (in %)

3 Year

5 Year

10 Year

Whole Life Aggressive Growth Fund

Canara HSBC Oriental Bank

AUM:869 Cr

869 Cr

NAV

93.59

0.82%

Returns

16.11%

Returns

20.41%

Highest Returns

Returns

15.83%

Get Details

Whole Life Stable Growth Fund

Canara HSBC Oriental Bank

AUM:266 Cr

266 Cr

NAV

61.92

0.32%

Returns

12.53%

Returns

15.66%

Highest Returns

Returns

12.78%

Get Details

Balanced Fund

Canara HSBC Oriental Bank

AUM:380 Cr

380 Cr

NAV

48.06

0.34%

Returns

11.49%

Returns

14.21%

Highest Returns

Returns

11.91%

Get Details

Asset Allocation Fund II

Canara HSBC Oriental Bank

AUM:341 Cr

341 Cr

NAV

31.32

0.18%

Returns

9.45%

Returns

12.98%

Highest Returns

Returns

11.36%

Get Details

Save N Grow Money Fund

Canara HSBC Oriental Bank

AUM:68 Cr

68 Cr

NAV

58.7

0.37%

Returns

8.69%

Returns

11.34%

Highest Returns

Returns

10.82%

Get Details

Fund Name

AUM

NAV

Returns (in %)

3 Year

5 Year

10 Year

Builder

Canara HSBC Oriental Bank

AUM:243 Cr

243 Cr

NAV

89.55

0.06%

Returns

6.87%

Returns

8.26%

Returns

8.91%

Highest Returns

Get Details

Whole Life Income Fund

Canara HSBC Oriental Bank

AUM:802 Cr

802 Cr

NAV

38.31

0.03%

Returns

6.22%

Returns

7.01%

Returns

8.18%

Highest Returns

Get Details

Debt Fund

Canara HSBC Oriental Bank

AUM:482 Cr

482 Cr

NAV

36.29

0.04%

Returns

5.92%

Returns

6.91%

Returns

7.93%

Highest Returns

Get Details

Conservative Fund

Canara HSBC Oriental Bank

AUM:233 Cr

233 Cr

NAV

55.4

0.09%

Returns

7.01%

Returns

7.98%

Highest Returns

Returns

7.92%

Get Details

Protector

Canara HSBC Oriental Bank

AUM:307 Cr

307 Cr

NAV

64.22

0.06%

Returns

6.07%

Returns

7.01%

Returns

7.89%

Highest Returns

Get Details

Disclaimer :
†Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. The sorting is based on past 10 years’ fund performance (Fund Data Source: Value Research). For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in

Top ULIP Funds

ULIP Plans	Fund Size	NAV	Returns
TATA AIA Top 200 Fund	1,259 Cr	₹130.92	20.25%
TATA AIA Whole Life Mid Cap Equity Fund	10,158 Cr	₹112.98	21.46%
ICICI Pru Multi Cap Balanced Fund	2,037 Cr	₹34.46	10.59%
HDFC Life Opportunities Fund	31,393 Cr	₹57.85	18.59%

What is the 25 Years ULIP Policy?

The 25 Years ULIP Policy is a financial product offered by insurance companies to address the dual needs of insurance and investment over a quarter-century (25 years). Under this policy, policyholders make regular premium payments, with the premium being divided into two key components.

The policyholder pays regular premiums, which are split into two parts: one part goes towards providing life insurance coverage, and the other part is invested in market-linked funds of the policyholder's choice.

This policy is particularly well-suited for individuals with extended financial horizons, as it provides a comprehensive solution for both protection and wealth creation over a 25-year period. With the flexibility to adjust fund allocations and the potential for long-term growth, the 25 Years ULIP Policy serves as a holistic approach to financial planning.

How Does 25 Years ULIP Policy Work?

Vidur, a 35-year-old, invested in a 25-year ULIP with a Rs. 1 crore sum assured for retirement. He added a Waiver of Premium rider. At 48, a fatal accident occurred, and Vidur’s wife received the sum assured, settling debts. The unique feature of waiving future premiums kept the policy active. After 25 years, she received the maturity amount, ensuring financial independence. This showcases how a straightforward ULIP plan can offer both protection and long-term investment benefits.

Why Should You Choose a 25-Year ULIP Policy?

Here's why you should opt for 25 year ULIP Policy:

Market-Linked Returns: Enjoy the potential for higher returns through dynamic debt and equity investments, outperforming traditional savings plans.
Flexibility: Adapt to market conditions with the flexibility to choose and switch investment avenues. Partial withdrawals are available during financial emergencies.
Tax Benefits: Classified under the EEE category, ULIPs offer tax exemptions and deductions under Sections 80C and 10(10D). Premiums qualify for deductions, and proceeds are tax-exempt, making it a tax-efficient investment.
Life Coverage: Ensure financial security for your loved ones with life coverage, providing stability in challenging times.
Long-Term Investment: Capitalize on the benefits of long-term investment by staying committed for 25 years. This duration allows strategic planning and potential compounding returns.

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How are Return Rates Calculated on 25 Years ULIP Policy?

The performance of a 25-year ULIP policy is influenced by several factors, such as the policyholder's age, chosen sum assured, premium amount, and selected investment funds. The premium is allocated between life cover and investments, and returns are based on the market-linked funds' performance. This policy functions as a means for accumulating wealth over the long term while providing life coverage. Prior to selecting a plan, it is essential to evaluate risk tolerance and financial goals. Regularly reviewing policy terms is advisable, and exploring the option of enhancing coverage with riders can provide additional protection.

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FAQ's

What is the average return on ULIP?

The average return on ULIP can vary depending on the specific plan and the market conditions. However, historically, ULIPs have provided average returns of around 10-12% per annum.
Is ULIP good for the long term?

Yes, ULIPs can be a good investment option for long-term investors. This is because they offer the potential for market-linked returns, which can grow significantly over time. Additionally, ULIPs typically have a lock-in period of five years, which encourages investors to stay invested for the long term.
Is ULIP guaranteed returns?

No, ULIPs are not guaranteed returns. This is because they are market-linked investments, and as such, their returns are subject to market fluctuations. However, some ULIPs offer minimum guaranteed returns, which provide a safety net for investors.
Can ULIPs give higher returns?

Yes, ULIPs can potentially give higher returns than traditional insurance plans. This is because they are invested in market-linked funds, which have the potential for higher returns than fixed-income investments. However, it is important to note that higher returns come with higher risk.

†Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. The sorting is based on past 10 years’ fund performance (Fund Data Source: Value Research). For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
*All savings are provided by the insurer as per the IRDAI approved insurance plan.
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
+Returns Since Inception of LIC Growth Fund
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
~Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.