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All About Unit Link Insurance Plan (ULIP)

Bajaj Allianz Life ULIPs Guide
ULIP investment plans FAQ

ULIP Investment Plans – Frequently Asked Question

A unit-linked insurance plan provides insurance with investment in market linked funds. ULIP plans provide protection along with wealth creation. A professional fund manager handles the investment corpus and investors are provided various ULIP fund options to choose, ranging from debt to equity funds.

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Are ULIPs good for long term

Are ULIPs Good For Long Term?

Yes, ULIP plans are one of the preferred investment options for the long term. ULIPs are a financial tool that helps you enjoy the protection of an insurance cover and simultaneously provide investment opportunities. If you dream of owning a house in 15 years or going on a world tour after retirement, ULIP investment is the ideal option for you. Though ULIP is an insurance product, it provides all the benefits of an ideal investment product like tax savings and market-linked returns.

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Manage ULIP investment during market correction

How To Manage Your ULIP Investment During A Market Correction

The Indian financial sector has evolved rapidly in the last few decades. The customer base and product offerings have grown manifold. Unit-linked insurance plans or ULIP plans have emerged as one of the preferred investment options. ULIPs are financial products that provide dual benefits of insurance and investment. ULIP investments ensure you remain protected by life insurance while your savings grow over time. The premiums paid are invested in the stock or bond markets and the profits are shared with the policyholders.

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ULIP funds

ULIP Funds – Know Everything About Them

ULIPs are one amongst the most preferred investment options in the Indian financial markets right now. They offer alternative investment solutions for investors with varying risk profiles with a life insurance cover component as well. So, irrespective of whether you’re a conservative investor or a risk-taker, you’ll find ULIP funds that fit right into your risk-reward graph. Getting to know more about the kind of funds available in a ULIP plan helps you structure your investment smartly. Furthermore, allocating your money across different funds in a prudent manner also helps maximize your ULIP returns.

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ULIP premium

How Your ULIP Premium Gets Utilized

ULIPs are investments that offer a two-fold advantage to investors. Firstly, there’s the ULIP insurance component, which is directed toward giving you a protective life cover to safeguard you from any contingencies in the future. And secondly, there is an investment component that helps your capital appreciate over time. With the advantages offered by the ULIP insurance component and the investment component, you can protect your future and the future of your family, while also simultaneously ensuring savings to meet your long-term financial goals.

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Are ULIP plans good

Are ULIP Plans Good?

Yes, ULIPs are one of the preferred investment options that provide a variety of advantages to the investor. If you’re on the fence about parking your funds in a ULIP plan, you’re perhaps wondering: why should I Invest in ULIP? To help resolve this dilemma, it’s an excellent idea to get to know the many ULIP benefits you stand to gain by purchasing this investment product which further helps you move a step closer to getting your Life Goals Done.

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ULIP renewal

ULIP Renewal – Know All The Ways To Renew Your ULIP

When you invest in a ULIP plan, you have the option to choose your premium payment mode. You can choose to pay your premium as a single lump sum payment or pay your premium periodically as well. Depending on the premium payment frequency which could be monthly, quarterly, half-yearly or annually, you are required to pay premium every month or as per the chosen frequency. Such payment is known as renewal premium, since it contributes towards renewal of your ULIP plan. Paying your premium on time is essential if you wish to continue enjoying your ULIP benefits. Fortunately, there are many ways to make the premium payment needed to renew your ULIP. Read on to discover more about why ULIP renewal is important and how you can pay your renewal premium.

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How To Invest Money

How To Invest Money With ULIPs

Over the years, unit linked insurance plans (ULIPs) have evolved as one of the effective and popular protection, investment and tax-saving products for Indian investors. After numerous changes and multiple upgrades, today’s New Age ULIPs are one of the preferred wealth generation tools available in India.

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ULIP plans in India

ULIP Plans In India – A Step-By-Step Buyer’s Guide

The financial sector in India has evolved over time. The number of insurers, banks, asset management companies and brokerage firms have grown over the years giving customers a wide variety of choices. But multiple options often cause confusion. It is always easier to decide when you have limited choices. The confusion arises at two levels—the type of product and the service provider. For instance, if you want to buy a life insurance plan, you will have to choose between various insurance plans such as a unit-linked insurance plan, term insurance plan, money back plan or a whole life plan.

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Can NRI’s buy ULIPs in India

Can NRI’s Buy ULIPs in India?

Yes, Non-Resident Indians (NRIs) can buy ULIPs in India. The Foreign Exchange Management Act (FEMA) permits NRIs to make investments in India, and this includes investments in Unit Linked Insurance Plans. There are absolutely no restrictions preventing NRIs from investing in ULIP plans, provided that they satisfy all the Know Your Customer (KYC) norms for investing in such life insurance-investment plans.

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How does ULIPs work

How Does ULIP Work

A Unit Linked Insurance Plan (ULIP) is one of the preferred tax-saving investment options for investors in India. It gives you the benefit of capital appreciation combined with a protective life cover. Effectively, a ULIP is a life insurance plan that offers the advantage of market-linked investments. You can choose which ULIP funds to invest in based on your risk appetite and life goals you want to achieve.

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ULIP policy management tips

How To Manage Your ULIP Policy

A unit linked insurance plan (ULIP) is the only market-linked investment option that gives you the triple advantages of insurance protection, wealth generation and tax benefits. Not only that, some ULIP policies gives investors the flexibility of switching funds free of charge to maximize returns.

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ULIP insurance investment needs

How ULIP Meets Your Insurance And Investment Needs

The insurance industry in India witnessed an upward growth trajectory during FY19, with the gross premiums written for both life and non-life sectors reaching Rs. 5,78,000 crores [1]. Insurance companies have started leveraging technology to offer customized solutions in an efficient and seamless manner to the policyholders, while providing competitive pricing.

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ULIP calculator guide

ULIP Calculator – Know All About It

Unit Linked Insurance Plans (ULIPs) are one of the preferred investment options available to investors who wish to obtain the dual benefit of insurance combined with capital appreciation. In a ULIP plan, a part of the premium you pay goes towards providing you with a life cover, while the rest of the premium is invested in market-linked funds. The returns from this investment is what you get to enjoy as maturity benefits when the tenure of the plan is completed.

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ULIP maturity benefits

ULIP Maturity Benefits - Know Tax Implications On Your ULIP

One of the prime reasons for investing in a Unit Linked Insurance Plan (ULIP) is to achieve your life goals. Moreover, in case of death of the policyholder, the nominees receive a death benefit thereby securing the financial goals of their loved ones even in their absence. However, if the policyholder survives the policy, he gets the maturity benefits. Moreover, you can claim deduction up to Rs. 1,50,000 on taxable income under Section 80C of the Income Tax Act, 1961, subject to provisions stated therein.

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Don’t exit your ULIP

Why You Shouldn’t Exit Your ULIP After Lock-In Period Ends

While investing in any life insurance plan, it is important to ensure that the product features align with your long-term goals. One of the options available is the Unit Linked Insurance Plan (ULIP), which provides life insurance along with an opportunity to get market linked returns. A ULIP enables investors to pursue their objective of wealth creation through investing in equity or debt-based funds (or both) in accordance with their long-term goals. ULIPs have become one of the most popular investment tool that also provides life insurance cover along with investment opportunities that help you achieve your life goals.

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ULIP investment terminology

ULIP Terminology - 12 ULIP Terms You Should Be Familiar With

A ULIP policy is a combination of investment and insurance. Flexibility and financial security are the key benefits offered by ULIP policies. Besides, ULIP investments may garner substantial returns to help policyholders achieve their life goals like travelling, pursuing hobbies, retirement, etc. The dual benefits of investment and insurance can help you get your family goals done.

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Save tax with ULIP

How ULIP Helps You Save Tax

When choosing an investment option, it is important to consider its tax implications apart from the risk and potential returns. The most common type of tax benefit an investment offers is in the form of tax deductions. This reduces your taxable income and thus helps you save tax. In this article we take a look at tax benefits offered by ULIP plans.

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4 ULIP fund switching benefits

Fund Switching In ULIPs – All You Need To Know

When investing in ULIP plans you have an option to invest in equity funds, debt funds or combination of equity and debt funds. What’s more, ULIP plans offer you the option to switch between these funds as per your investment needs and risk appetite.Fund switching allows you to move your investments partially or fully from one fund to another fund within the same ULIP plan.

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ULIP insurance benefits

Advantages of ULIPs and Traditional Plans

The prime motto of life insurance policies is the security of the policyholder and his family. As the needs of an individual change, his insurance requirement increases. The life insurance sector has developed due to the rise in the demands for policies. Today, an investor is spoilt for choice with multiple options of life insurance policies. These plans are largely categorized into two parts: Unit Linked Insurance Plans (ULIP) and Traditional life insurance plans.

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2 types of ULIPs

Understand ULIP plans – 2 types of ULIPs

A ULIP plan offers its policyholders dual benefits of investment and insurance in a single product. Moreover, its flexibility and transparency attracts a lot of investors. Due to its multiple advantages, it has become a popular life insurance product.

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ULIP Fund Performance

ULIP Fund Performance - Why You Should Monitor Your Investment

When it comes to investment, a majority of  people look around to invest in a Unit Linked Insurance Plan (ULIP). However,  there are times when an investor invests in a ULIP Policy where they have to  choose funds based on their risk appetite. 

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Two Ways to Estimate Your Return on Investment

Two Ways to Estimate Your Return on Investment

A Unit Linked Insurance Plan (ULIP) is considered as one of the most preferable means of investment today. ULIP Investment, which was once associated with higher costs, has changed the game for itself due to low costs and potential to earn high returns.

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5 Benefits Of Investing In New-Age ULIPs

5 Benefits Of Investing In New-Age ULIPs

Majority of investors would prefer traditional life insurance plans. Although a Unit Linked Insurance Plan (ULIP) has been there for quite some time now in the market, not many consider a ULIP investment because of various reasons.

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4 Reasons To Buy Online ULIPs

4 Reasons To Buy Online ULIPs

Due to the emergence of E-commerce, the driving need to purchase financial products online has significantly increased. To keep up with the advent of technology, insurance companies have evolved with the introduction of electronic transactions

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How ULIP Helps You Plan For Retirement

How ULIP Helps You Plan For Retirement

When we think of retirement, an image crops up in our mind of a retired couple, full of smiles as they relax on a beautiful beachside. While each one’s idea of retirement may be different, all of us want to be in a situation

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What is whole life ULIP

What Are Whole Life ULIPs And Why You Should Get One

Everybody has a sacred place in the corner of their hearts for all their lifelong dreams and goals. While a majority of people strive their entire life by working hard, the rest leave them in the name of destiny. Whatever the case is, the good news is that whole life Unit Linked Insurance Plan (ULIP) has the ability to fulfil your long term life goals. A sound investment plan like a whole life ULIP policy is the key to not only realize your goals but also secure your family in the long run.

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How ULIP Helps You Meet Your Long

How ULIP Helps You Meet Your Long-Term Life Goals

Are you planning for a down payment of your dream house in another 5 years? Or do you want to spend your 25th marriage anniversary at a luxury villa in the South of France? The good news is that you can actually make these dreams possible.

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What Is Investor Selectable Portfolio Strategy In A ULIP?

What Is Investor Selectable Portfolio Strategy In A ULIP?

Most of us have long-term life goals that require substantial wealth creation. While there are many asset classes available to investors these days, but choosing the right ones, or the right mix for your portfolio, can be difficult.

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What Is Auto Transfer Portfolio Strategy In A ULIP?

What Is Auto Transfer Portfolio Strategy In A ULIP?

Whether your goal is to send your kids to the best management college or to retire on a beach-house in Greece, investing for your life goal is essential. In order to make meaningful returns, it is very important to play slow and steady in the financial markets - especially if you are starting young or are not too familiar with the investing nuances.

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What Is Trigger Based Portfolio Strategy In A ULIP?

The first step towards wealth creation for the fulfilment of your life goals is making investments. Over time, what really drives your wealth is how you invest. Hence it is important to adopt a prudent portfolio strategy that is fine-tuned to your goals and risk appetite. While there are many approaches to building your portfolio

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What Is Wheel Of Life Portfolio Strategy In A ULIP?

What Is Wheel Of Life Portfolio Strategy In A ULIP?

When we are young, our ability to take risks in life is higher but as we grow older we become more and more cautious. When this philosophy is applied to our 

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5 Reasons To Make Monthly ULIP Investments

5 Reasons To Make Monthly ULIP Investments

Many investors choose to invest for their life goals in the stock markets because of the potential high-risk high-reward proposition that equities offer. While some invest a lump sum amount to optimize their returns from the burgeoning equity markets..

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How ULIPs Offer Protection From Inflation

While there are a variety of factors that influence inflation and theories about its root cause, for consumers and investors, the end result is the same - prices rise. When prices rise, we cannot buy as much as we could previously. And the ongoing global trade wars and jittery economic conditions are bound to push prices up even more. 

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5 Reasons To Get A ULIP With Your Salary Hike

5 Reasons To Get A ULIP With Your Salary Hike

It is that time of the year again when most of you get your appraisal letters, listing out your annual increment and bonus.  This means you will have a higher income this year and an additional cash flow at your disposal.

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3 ways in which ULIPs help you save tax

ULIP Tax Benefits - Know 3 Ways In Which ULIPs Help You Save Tax

If you are reading this, the chances are that you are exploring ways to reduce your income tax liability and also make some smart investments that help you create wealth.

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ULIP Funds - Understand The Fund Switching Option

ULIP Funds Switching - Know How It Works

Unit Linked Insurance Plans (ULIPs) come with the dynamic option of Fund Switching, which provides the much-needed flexibility to this investment product. 

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Why Return of Mortality Charge (RoMC) is a Revolutionary Idea

Why Return of Mortality Charge (RoMC) is a Revolutionary Idea

Over the last few years, keeping in mind the customer's feedback and needs, the regulator and the life insurance industry have helped ULIPs evolve considerably to provide more benefits to customers

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RoMC - The Key To Long-Term Investing

RoMC - The Key To Long-Term Investing

Investing in a disciplined way over an extended period of time has many benefits. First, it helps you tide over the market volatility. Second, when you give time to your investments

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Know How RoMC Enhances Your ULIP Investments

Know How RoMC Enhances Your ULIP Investments

Unit Linked Insurance Plans (ULIPs) have emerged as a befitting investment vehicle, post the many significant regulatory reforms introduced between 2010 and 2013. More and more investors are investing in

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Your Guide to ULIP Insurance Riders

Your Guide to ULIP Insurance Riders

A Unit-linked Insurance Plan (ULIP) is designed and structured in a way that takes care of both your life insurance and investment needs. Yet, there might be some unforeseen circumstances in life which might deter your ability to earn

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Why You Should Remain Invested For The Full Tenure In ULIPs

Why You Should Remain Invested For The Full Tenure In ULIPs

There's a popular refrain in the financial circles, Don't try to time the market, instead give your investments enough time to grow. This is more so in the case of investments in equities

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A Guide to ULIP charges to invest better in them

A Guide to ULIP charges to invest better in them

Investing for your life goals is the key to turn those goals and aspirations into reality. As a responsible investor, it is important to set aside a portion of your income every month for your goal-based investments.

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What are different types of ULIP funds?

What are different types of ULIP funds?

Unit Linked Insurance Plans (ULIPs) provide the dual benefit of insurance cover and wealth creation to its investors. Which means policyholders get life cover along with the opportunity to invest in a number.

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3 reasons why ULIP plans are one of the preferred choice for equity investments

3 reasons why ULIP plans are one of the preferred choice for equity investments

Inflation is the biggest factor you need to watch out for while investing. This is because inflation eats into your savings over a period of time. In a high growth economy like India, savings have to find their way into instruments that offer to take on inflation.

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4 ULIP investment tips one should never forget?

4 ULIP investment tips one should never forget?

Picking the best restaurant or cafe is a much easier task today, thanks to the internet! All that you need to do is, check out the online reviews, ambience, photographs and of course the day's menu and offers! Just like you select a restaurant or cafe after reviewing the above factors.

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Realise your Life Goals with a proper goal-based investment plan

Realise your Life Goals with a proper goal-based investment plan

Are you a young aspirant wanting to achieve something big in life? Like starting your own business or graduating from a premier institute or buying the bungalow of your dreams? Well, your life goals can be realized, all it will take is passion, hard work.

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Why monthly investments in ULIPs make sense?

Why monthly investments in ULIPs make sense?

The daily ups and downs in the stock markets can be incredibly unnerving for a retail customer and can dissuade them from investing in the markets.On March 1 this year, the Bombay Stock Exchange (BSE) Sensex closed at 34,047.

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How to plan your investments in the new financial year

How to plan your investments in the new financial year

We are just two months into the new financial year, and the time is still right to get your investment planning in place for the year ahead if not yet done. Taking stock of your past investments and reviewing your investment portfolio now will help.

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How to tide over market volatility with ULIPs

How to tide over market volatility with ULIPs

The fear of market volatility often keeps retail investors away from equity investment. It is this fear that deprives millions of investors from the benefit of tax-efficient and often double-digit returns that equities can offer in the long run.

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Achieve your long-term goals with ULIPs

Achieve your long-term goals with ULIPs

For meeting your long term life goals, equity as an asset class is quite suitable. What is required is a disciplined approach over a period of time, and before you know it, your dreams that could be purchasing a house,.

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Advantages of investing early in ULIP plan

Advantages of investing early in ULIP plan

There goes a saying, 'The early bird catches the worm'. In literary sense, it means that a person will have an advantage if they do or start something early. In the world of investments it means that the earlier a person starts investing,.

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Move a step closer to your Life Goals with prudent financial planning in online ULIP policy

Move a step closer to your Life Goals with prudent financial planning in online ULIP policy

The new calendar year has witnessed some volatility, especially for the broader markets (small/mid-cap space). In this scenario the retail investors have become doubly cautious while investing for their Life Goals.

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5 factors to help you choose the best ULIP plan

5 factors to help you choose the best ULIP plan

Investments are no longer just about saving for the rainy day. We want to invest to get best possible returns on our investments to achieve our life goals and aspirations. Over the last few years, Unit Linked Insurance Plans (ULIPs).

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Top 5 myths associated with ULIP investments

Top 5 myths associated with ULIP investments

The perception of ULIPs as an expensive and a risky investment tool continue to persist. However, over the last few years, ULIP plans have emerged as a preferred investment vehicle to not only provide insurance cover but to also gain advantage of equity investment.

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All that you want to know about mortality charges in ULIP investment

All that you want to know about mortality charges in ULIP investment

Mortality Charge is the bone of contention in ULIPs because many consider it primarily an investment vehicle. However, the fact is that mortality charges are part of any insurance product and it is easy to see why.

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What is a ULIP plan?

What is a ULIP plan?

It doesn't matter if your 20, 35 or 50. Whatever your age, you are sure to have certain life goals and dreams that you hope to fulfil. You may want to complete your MBA, or perhaps you want to make a down payment on your dream home.

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What is a ULIP NAV?

What is a ULIP NAV?

A unique insurance-cum-investment tool, Unit Linked Insurance Plans (ULIPs) is an insurance-cum-investment plan, which can help us meet our financial goals, while also providing insurance cover. These products are goal-oriented investments. .

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ULIP performance monitoring

ULIP Fund Performance - Why You Should Monitor Your Investment

When it comes to investment, a majority of  people look around to invest in a Unit Linked Insurance Plan (ULIP). However,  there are times when an investor invests in a ULIP Policy where they have to  choose funds based on their risk appetite. 

Read More
ULIP returns in 10 years

Two Ways to Estimate Your Return on Investment

A Unit Linked Insurance Plan (ULIP) is considered as one of the most preferable means of investment today. ULIP Investment, which was once associated with higher costs, has changed the game for itself due to low costs and potential to earn high returns.

Read More
Plan for retirement with ULIP

How ULIP Helps You Plan For Retirement

When we think of retirement, an image crops up in our mind of a retired couple, full of smiles as they relax on a beautiful beachside. While each one’s idea of retirement may be different, all of us want to be in a situation

Read More
ULIP Helps Achieve Long-Term Life Goals

How ULIP Helps You Meet Your Long-Term Life Goals

Are you planning for a down payment of your dream house in another 5 years? Or do you want to spend your 25th marriage anniversary at a luxury villa in the South of France? The good news is that you can actually make these dreams possible.

Read More
Top-up facility in ULIP plans

How The Top-Up Facility Enhances Your ULIP Returns

Due to the rapidly growing demands for a Unit Linked Insurance Plan (ULIP), the investors wish to add value for money with a ULIP investment. Although the ULIPs have massively gained popularity, not many investors are completely aware of the features offered by a ULIP plan. One such feature that needs to be addressed to the investors is the top-up facility of a ULIP. With the help of a top-up facility, the investor can enhance the ULIP investment as well as channel his/her investment in the right direction to achieve his life goals.

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Contact Us

Bajaj Allianz Life Insurance Company Ltd.

Bajaj Allianz House, Airport Road, Yerawada, Pune - 411 006, Maharashtra

Tel No: 020-66026773

Fax No: 020-66026789

Branch Visit Timings:

Weekdays - 9:00 AM to 3:30 PM

Customer Care Helpline:

1800-209-7272

Monday to Saturday: 9:00 AM to 7:00 PM (IST)

For NRI: +91 20 67871700 (Call charges apply)

Monday to Saturday 9.00 AM to 7.00 PM (IST)

Sales Enquiry Helpline:

1800-209-4040

Monday to Saturday: 9:00 AM to 7:00 PM (IST)

For NRI: +91 20 67688888 (Call charges apply)

Monday to Saturday: 9:00 AM to 7:00 PM (IST)