Investment-Linked Plans
ULIPs let you invest in market-linked funds while keeping a life cover in place. You can choose your fund mix based on your risk appetite, switch between funds as markets and goals evolve, and stay invested for the long term. As market-linked products, returns are not guaranteed and the policyholder bears the investment risk — which is why horizon and fund selection matter.
Who it’s for
- Investors comfortable with market movement over the long term
- Those wanting protection and growth in a single plan
- People who value fund-switching flexibility
- Goal-based investors with a 7–10+ year horizon
Quick reference
- Primary goal
- Long-term growth + cover
- Horizon
- 7–10+ years
- Risk profile
- Market-linked (you bear the risk)
- Life cover
- Moderate
- Payout
- Fund value on maturity / sum assured on claim
- Tax treatment
- As per prevailing tax law
Key benefits
Growth + protection together
Market-linked investing alongside a life cover, in one disciplined structure.
Fund choice & switching
Allocate across equity, debt and balanced funds and switch as your goals or markets change.
Long-term compounding
Designed for multi-year horizons where staying invested can help ride out volatility.
Partial liquidity
Partial withdrawals are typically allowed after the lock-in period, subject to conditions.
Key features
- Multiple fund options across risk levels
- Free fund switches up to plan limits
- Systematic / lump-sum premium options
- Lock-in period as per regulation, then partial withdrawals
- Top-up contributions to accelerate goals (as permitted)
Investment-Linked Plans — your questions, answered
No. ULIPs are market-linked: the value of your units can rise or fall with market performance and you bear the investment risk. They suit longer horizons where time can help smooth out volatility.
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Is Investment-Linked Plans right for you?
Let’s check it against your full picture — honestly, and at your pace. The first conversation is free.
This website is an informational and lead-generation platform. Insurance products are offered subject to eligibility and applicable terms & conditions. Please read the relevant policy brochure / prospectus and verify suitability before purchase. Tax benefits are subject to prevailing tax laws and may change.