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What is ULIP Plan?

Unit Linked Insurance Plan, commonly referred to as ULIP, is a type of investment instrument that combines the benefits of insurance and investment. In other words, it is a combination plan which offers dual benefits and serves to provide policyholders with both insurance security and investment returns. With ULIP plans, a portion of the premium paid by investors goes towards insurance coverage, while the remainder is invested in the stock market or other investment options.

ULIP plans offer a unique investment opportunity that combines insurance coverage and investment returns. When choosing a ULIP plan, investors should consider their financial goals, risk profile, fees, fund performance and insurance coverage to make an informed investment decision.

Goal Based Planning

Security to Loved Ones

Individuals enhance Wealth

Tax Benefits

Flexibility to Choose Plan

High Returns

Better than FD

Long/Short Tem Plan

Type of ULIP Plan

Policychayan Services 01
ULIP for Health

The ULIP plans efficiently provide financial help for medical emergencies.

Policychayan Services 02
ULIP for Wealth

Saves money and expands your wealth to achieve future financial goals.

Policychayan Services 03
ULIP for Children

The plan offers financial security by providing a monthly income for your children’s education..

Policychayan Services 04
ULIP for Retirement

The plan saves your money and helps you get the best financial freedom after retirement.

How to Buy The Best ULIIP Plans

Go through these simple and easy-to-understand steps below to know how to purchase the best ULIP plan

  • 01 Go to the official website of the insurance company.
  • 02 Compare and select the ULIP plan you to invest in.
  • 03 Select the policy and the premium payment tenure of the plan.
  • 04 Now proceed to make a payment.
  • 05 Choose one from the following monthly half-yearly and yearly payment options.
  • 06 Pay via debit/credit/UPI/net banking and enjoy the policy.

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Compare from Leading Issuers in India.

Factors to Consider Before Buying The ULIP Plans.

Go through the things you should consider before purchasing the ULIP plans.

  • 01Analyse your personal investment goals to get the financial benefits.
  • 02Compare ULIP plans to enjoy more features and benefits.
  • 03Compare plans on the basis of policy tenure and investment flexibility..
  • 04Estimate risk profile and financial stability before buying ULIP plan..
  • 05Consider all the charges imposed on a premium before purchasing
  • 06Go through all the features and benefits of the policy.
  • 07Check out the plan performance before purchasing the policy

Factors 1

Solvency Ratio

It is mandatory for insurance companies to have a solvency ratio of at least 1.5

Factors 2

Claim Settlement Ratio

Percentage of total claims settled by the company against the total claims filed

Factors 3

ULIP Fund Performance

Keep track of fund performance make the decision better and get maximum return o

Factors 4

Investment Strategies

Many companies offer strategic investments. Invest in different types of plans b

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Frequently Asked Questions

ULIP (unit-linked insurance plan) are the plans that offer market-linked investment along with insurance cover.

The premium is divided into two parts. One part is provided to the insurer as a life cover and the other is invested on behalf of the policyholder.

Maturity benefits death benefits withdrawal benefits and long-term benefits are some noticeable benefits offered under the ULIP plan.

You can purchase a ULIP plan online through Policychayan with the following steps; Click on the ULIP page of Policychayan in the service section. Fill in the requested details. Select any one plan that suits you and your budget for premium. Pay the premium and enjoy the policy issued.

You can get a tax deduction up to rs. 150000 as per the section 80C/80CCC under ULIP plan.

Yes NRI can also buy the ULIP plan.