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ULIP - Something for Everyone

By Super

The first rule of investing is to choose products that not just match your goals and aspirations, but those that match your risk profile too. ULIPs offer alternatives to you whether you are keen to take on some investment risks in order to see your money grow or you are more comfortable investing in secure avenues which preserve your wealth ...

Haresh*, 35, is a successful businessman. He usually reinvests most of his earnings back into the business. Now he would like to invest in some financial products including equity so that they provide an alternate route to growing wealth and meeting his aspirations. However, Meena, Haresh's wife points out that his business goes though cycles and so do stock markets. She is keen to ensure that their savings are invested in some safe financial instruments. Haresh is also concerned about what will happen to his family in case anything happens to him. He wants them to not only inherit the business but other forms of income as well.


So, do ULIPs help solve Haresh's needs? Lets' see...

ULIPs - suitable to meet your diverse needs

Unit Linked Insurance Plans (ULIPs) allow you to invest your money not only in the stock market (equity) but in fixed return investments (debt) as well. In fact, they also offer readymade mixes of both debt and equity. Accordingly, you can tailor your ULIP investment strategy to suit your own individual risk appetite. You can do this not only while applying for the plan, but even during the plan term by switching or re-directing your future premiums.

Something for everyone
Stage of Life Single and just started earning Married and a parent Planning to retire
Objective To create wealth To save for children To protect your nest egg
ULIP can help Pick a fund that invests


predominantly in Choose a balanced

fund for asset creation Invest in conservative debt

funds to protect generated wealth

All of us have different life goals. Let's say you are at a stage in your life where you cannot afford to lose any money; conservative debt investments may be suitable for you. There are ULIPs that invest in such instruments.

If you like taking risks, there are ULIPs that invest in equity; you can pick them.

If you want a balanced kind of portfolio with debt and equity investments in nearly equal ratios, ULIPs offer this too.

Further, you get a life cover and tax benefits on your ULIP investment under section 80C up to a maximum of INR 1 lakh. Lastly, with the flexibility and freedom to switch your corpus from one fund to another, for free ULIPs allow you to make the most of your funds.


ULIPs are flexible enough to fulfill your needs, no matter what they are. Whether you are a debt investor, an equity investor or a balanced investor, ULIP is for you. The life cover and tax benefits available on your ULIP investment make this an investment option worth considering.


Unit-linked life insurance products are different from the traditional insurance products and are subject to risk factors. Premiums paid in unit-linked life insurance policies are subject to investment risks associated with capital markets and NAVs of the units may go up or down, based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. Please know the associated risks and the applicable charges from your Insurance Agent or the Intermediary. Read the product brochure carefully before buying the plan.

Insurance is the subject matter of the solicitation. Registered and Corporate Office Address: IndiaFirst Life Insurance Company Ltd., 301, ‘B' Wing, The Qube, Infinity Park, Dindoshi-Flimcity Road, Malad (E), Mumbai - 400097. Website: Registration No: 143. Toll Free No. 1800 209 8700. SMS to 5667735, SMS charges apply. Advt. Ref. No.: __________.

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