*T&C Apply. &#The monthly income functionality can be availed using the Smart Withdrawal functionality available in the Whole Life option in Max Life’s Flexi Wealth Advantage Plan. The above monthly income values have been calculated at 8% smart withdrawal percentage. If at any instance during income period, the fund value becomes less than the minimum death benefit, which is defined as higher of sum assured and 105% of total premiums paid, the Smart Withdrawal will cease. It can be re-instated post submission of a request to the company. **#The fund value calculation is done by projecting historical returns of the fund chosen, after adjusting for all expenses (except tracking error) in Max Life’s Flexi Wealth Advantage Plan (UIN: 104L121V03).
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The full-form of ULIP is Unit Linked Insurance Plan. It is a type insurance plan which offers the dual benefit of life insurance and investment through a single instrument. So, while you get financial protection for your family, there is an additional investment component in this type of insurance plan, where you can get the benefits of market-linked or guaranteed returns.
The premium you pay towards a ULIP plan is divided into 2 key parts after deduction of all applicable charges and fees. One part is directed towards paying for life cover, and the remainder is invested in the fund of your choice.
You can choose how you wish to approach the market, i.e. via an aggressive investment approach, a moderate one or a conservative one. While the life cover is fixed right from the time policy is purchased, the returns are based on the market. You can expect significant returns if you stay invested for a long period, preferably at least 10 years to see the better side of it. In addition, you don’t have to stick to one investment approach. You can always take professional advice basis which you can switch between fund options as the market shifts.
It should be note that the risks in the investment portfolio of a ULIP are borne by the policyholder.
In other words, investing in one of the best ULIPs provides a flexible approach to investment planning. ULIPs help you safely balance your fund with equity and debt components, with options to switch as the market changes. At the same time, a Unit linked insurance plan protects your investments and life goals while offering financial coverage.
High Growth Fund
(SFIN: ULIF01311/02/08LIFEHIGHGR104)
Investment Group: Equity
Risk Profile | Very High
Fund 5 year Returns
30.21%
Benchmark 5 year Returns
27.22%
Nature of Fund
An open-ended equity multi-cap fund focussing on midcaps.
Investment Strategy
This multi-cap fund focuses on mid-cap equities; meaning it invests in companies with long-term high growth potential in terms of capital value assets. At least 70% of the Fund corpus is invested in equities, with the rest invested in government securities, corporate bonds and money market instruments. Hence, the risk involved is relatively higher.
Secure Plus Fund
(SFIN: ULIF01628/04/09LIFESECPLS104
Investment Group: Debt
Risk Profile | Low
Fund 5 year Returns
7.01%
Benchmark 5 year Returns
6.79%
Nature of Fund
An open-ended debt fund allowing investments for preferred duration, with the preference for government securities.
Investment Strategy
Through Systematic Transfer Plan (STP), Lifecycle Based Portfolio and Trigger Based Portfolio strategies, this Fund is designed to help investors protect their investment with a higher proportion of sovereign papers by the Government of India’s implicit guarantee for repayment of principal and interest. This Fund invests in debt instruments such as Government Securities, Corporate Bonds, Money Market Instruments etc. authorised by IRDAI for investment. The Government of India/ State Governments, Corporate and banks primarily issue it. No investment is made in equities.
Growth Super Fund
(SFIN: ULIF01108/02/07LIFEGRWSUP104)
Investment Group: Equity
Risk Profile | Very High
Fund 5 year Returns
16.60%
Benchmark 5 year Returns
15.28%
Nature of Fund
An open-ended equity fund focussing on large caps.
Investment Strategy
It is primarily an equity-oriented fund. At least 70% of the fund corpus is always invested in equities. The rest is invested in debt instruments in government, corporate and money market papers.
Growth Fund
(SFIN: ULIF00125/06/04LIFEGROWTH104)
Investment Group: Equity
Risk Profile | High
Fund 5 year Returns
12.06%
Benchmark 5 year Returns
11.45%
Nature of Fund
An open-ended hybrid fund with the equity portion focused on large caps.
Investment Strategy
This fund offers investments across multiple asset classes including Equities, Government Securities, Corporate Bonds and Money Market Instruments. The portfolio will contain a minimum of 20% with an upper limit of 70% invested in stocks. Remaining assets are allocated to debt instruments from Government, corporate and financial instruments.
Balanced Fund
(SFIN: ULIF00225/06/04LIFEBALANC104)
Investment Group: Balanced
Risk Profile | Medium
Fund 5 year Returns
9.90%
Benchmark 5 year Returns
9.68%
Nature of Fund
An open-ended hybrid fund investing in a mixture of debt instruments and equities.
Investment Strategy
This fund invests primarily in debt instruments, including Government Securities, Corporate Bonds, Money Market Instruments etc. Government of India/ State Governments and to some extent in Corporate Bonds and Money Market Instruments issue it. Up to 40% of its corpus can also be placed into equities, with a minimum requirement of 10% and up to a maximum of 40%.
Conservative Fund
(SFIN: ULIF00325/06/04LIFECONSER104)
Investment Group: Debt
Risk Profile | Medium
Fund 5 year Returns
7.82%
Benchmark 5 year Returns
7.78%
Nature of Fund
An open-ended hybrid fund investing predominantly in debt instruments.
Investment Strategy
Conservative Fund invests primarily in debt instruments including Government Securities, Corporate Bonds, Money Market Instruments etc. The Government of India/ State Governments and to some extent in Corporate Bonds and Money Market Instruments issue it. The Fund corpus invested is up to 15% in equities.
Secured Fund
(SFIN: ULIF00425/06/04LIFESECURE104)
Investment Group: Debt
Risk Profile | Low
Fund 5 year Returns
7.00%
Benchmark 5 year Returns
6.79%
Nature of Fund
An open-ended debt fund that invests across duration.
Investment Strategy
This fund invests in debt instruments including Government Securities, Corporate Bonds, Money Market Instruments etc. authorised by IRDAI. The Government of India/ State Governments, Corporate and banks issues it. No investment is made in equities.
Diversified Equity Fund
(SFIN: ULIF02201/01/20LIFEDIVEQF104)
Investment Group: Equity
Risk Profile | Very High
New Fund
Nature of Fund
An open-ended equity multi-cap fund focussing on large and mid-caps.
Investment Strategy
The purpose of this fund is to invest at least 70% in equities across the entire market capitalisation range, primarily targeting large and mid-cap stocks from various companies to provide investors with long-term growth opportunities while preserving investment liquidity.
Money Market Fund II
(SFIN:ULIF02301/01/20LIFEMONMK2104)
Investment Group: Debt
Risk Profile | Low
New Fund
Nature of Fund
An open-ended liquid fund that invests only in money market instruments.
Investment Strategy
The purpose of the fund is to deliver returns linked to Money Market levels through a portfolio with minimal interest rate and credit risk to provide a high level of safety of capital.
Dynamic Bond Fund
(SFIN: ULIF02401/01/20LIFEDYNBOF104)
Investment Group: Equity
Risk Profile | Low
New Fund
Nature of Fund
An open-ended debt fund that invests for a duration with focus on corporate bonds.
Investment Strategy
The fund generates higher returns by investing in high-quality and safe debt instruments including Government securities, corporate bonds and money market instruments. The aim is to maximise returns by focusing on the portfolio’s safety and liquidity.
Sustainable Equity Fund
(SFIN: ULIF02505/10/21SUSTAINEQU104)
Investment Group: Equity
Risk Profile | Very High
New Fund
Nature of Fund
An open-ended equity fund investing in companies complying with ESG principles.
Investment Strategy
The fund aims to focus on investing in select companies that operate with social and environmental responsibility while following governance standards.
Pure Growth Fund
(SFIN: ULIF02630/12/22PUREGROWTH104)
Investment Group: Equity
Risk Profile | Very High
New Fund
Nature of Fund
Investments in this fund will specifically exclude companies dealing in Banking, Alcohol, Tobacco products, etc. (For details, please refer to the Sales Literature).
Investment Strategy
The fund provides medium- to long-term returns to the investors by actively managing portfolio through investment in equities, cash, and money market instruments. The fund will not invest in companies that derive significant share of income from sectors such as Alcoholic beverages, Tobacco and tobacco products, certain animal produce, Gambling, Banking & Financial Services, and Entertainment (cinema, TV, etc.).
Nifty Smallcap Quality Index Fund
(SFIN: ULIF02702/08/23NIFTYSMALL104)
Investment Group: Equity
Risk Profile | Very High
New Fund
Nature of Fund
To invest in a basket of stocks drawn from the constituents of the NSE Smallcap 250 Quality 50 index.
Investment Objective
To invest in a basket of stocks drawn from the constituents of the NSE Smallcap 250 Quality 50 index. The objective of the fund is to invest in companies in the above index with similar weights as the index and generate returns as closely as possible, subject to tracking error.
Midcap Momentum Index Fund
SFIN: (ULIF02801/01/24MIDMOMENTM104)
Investment Group: Equity
Risk Profile | Very High
New Fund
Nature of Fund
The objective of the fund is to invest in a basket of stocks drawn from the constituents of NSE Midcap 150 Momentum 50 index.
Investment Objective
The objective of the fund is to invest in a basket of stocks drawn from the constituents of NSE Midcap 150 Momentum 50 index. The fund will invest in the companies with similar weights as in the index and generate returns as closely as possible, subject to tracking error.
Nifty Alpha 50 Fund
(SFIN: ULIF02914/05/24ALPHAFIFTY104)
Investment Group: Equity
Risk Profile | Very High
New Fund
Nature of Fund
The objective of the fund is to invest in a basket of stocks drawn from the constituents of NSE’s Nifty Alpha 50 index.
Investment Objective
The fund to invest in a basket of stocks drawn from the constituents of NSE’s Nifty Alpha 50 Index that invests in 50 stocks across small cap, mid cap and large cap segment with highest alphas within the top 300 stocks by average freefloat market capitalisation. The objective of the fund is to invest in companies with similar weights as in the index and generate returns as closely as possible, subject to tracking error.
Nifty 500 Momentum 50 Fund
(SFIN: ULIF03015/08/24MOMENFIFTY104)
Investment Group: Equity
Risk Profile: Very High
New Fund
Nature of Fund
To invest in a basket of stocks drawn from the constituents of NSE’s NIFTY 500 Momentum 50 Index.
Investment Strategy
The objective of fund is to invest in a basket of stocks drawn from the constituents of NSE’s NIFTY 500 Momentum 50 Index that invests in 50 stocks across small cap, mid cap and large cap segment, with highest normalized momentum scores within the top 500 stocks by average free-float market capitalization. The objective of the fund is to invest in companies with similar weights as in the index and generate returns as closely as possible, subject to tracking error.
Nifty Momentum Quality 50 Fund
(SFIN: ULIF03127/10/24MOMQUALITY104)
Investment Group: Equity
Risk Profile: Very High
New Fund
Nature of Fund
The objective of this fund is to invest in companies with similar weights as in the NSE’s Nifty 500 Multicap Momentum Quality 50 Index and generate returns as closely to the index as possible, subject to tracking error.
Investment Strategy
The objective of this fund is to invest in companies with similar weights as in the NSE’s Nifty 500 Multicap Momentum Quality 50 Index and generate returns as closely to the index as possible, subject to tracking error. Nifty 500 Multicap Momentum Quality 50 Index invests in 50 stocks, i.e. 10 companies from large cap universe (stocks forming part of the Nifty 100), 15 companies from midcap universe (stocks forming part of the Nifty Midcap 150) and 25 companies from the small-cap universe (stocks forming part of the Nifty Smallcap 250) based on the combination of momentum and quality factor scores.
Note: Returns are 5-year Compounded Annualised Growth Rate (CAGR). Past performance is not indicative of future performance. The Star rating is the Overall Rating. Rating and returns are as on 31st October 2024.
The Above mentioned Fund returns are after deduction of Fund Management Charges (FMC).
In unit-linked insurance plans, the policyholder bears risks associated with the investment portfolio. Past performance is not necessarily indicative of future performance. The linked insurance products do not offer any liquidity during the first five years of the contract. The policyholder cannot surrender/ withdraw linked insurance products’ investment amount completely or partially for five years. Returns are 5-year Compounded Annualised Growth Rate (CAGR). Rating and returns are as on 31st October 2024.
© 2020 Morningstar. All Rights Reserved. The information, data, analyses and opinions (“Information”) contained herein: (1) include the proprietary information of Morningstar and its content providers; (2) may not be copied or redistributed except as specifically authorised; (3) do not constitute investment advice; (4) are provided solely for informational purposes; (5) are not warranted to be complete, accurate or timely; and (6) may be drawn from fund data published on various dates. Morningstar is not responsible for any trading decisions, damages or other losses related to the information or its use. Please verify all of the Information before using it and don’t make any investment decision except upon the advice of a professional financial adviser. Past performance is no guarantee of future results. The value and income derived from investments may go down or up.
The ‘Morningstar Overall Rating’ is a quantitative assessment of a fund’s past performance — both return and risk — as measured from one to five stars, with one (1) being the lowest and five (5) being the best as on 31st October 2024.
Under a unit linked insurance plan (ULIP), the investment risk in the portfolio is borne by you (as a policyholder.) The primary purpose of buying the best ULIP is to secure your loved ones financially against any unforeseen events.
Buying the best unit linked insurance plan or ULIP in India is a viable strategy to grow your savings through market-linked funds while creating a financial backup for your family. Investing in a ULIP is beneficial if you want:
Investing in the best ULIP plans for the long term can be a smart decision for you because of the following factors:
A unit linked insurance plan or ULIP is suitable for all salaried and self-employed individuals with dependents who seek a long-term insurance plan that offers the combined benefit of wealth creation and life insurance under a single policy.
You can invest in the best ULIP plan in India to secure your retirement, children’s higher education, or any other financial goals. Furthermore, though ULIPs are market-linked insurance plans, you can purchase a ULIP plan even if you are not much savvy with the equity market and wish to avail of long-term capital appreciation on your money.
Types of ULIPs
Investing in the best unit linked insurance plan or ULIP allows you to accumulate wealth in a personalised manner, wherein you can maximise your savings as per your financial disposition and risk appetite to support different life goals. Different types of ULIP plans that may cater for your financial needs include:
Here are a few things that you must keep in mind while choosing the best unit linked insurance plan (ULIP) in India:
The best ULIP gives you the option to invest in various debt and equity funds. Equities help provide high growth potential returns for the long-term basis market returns. The debt options offer higher protection to your wealth against market changes. You must choose a ULIP as per your goals and risk tolerance.
The best ULIPs are designed to help you meet your long-term financial goals, such as your children's higher education or your retirement. Furthermore, the best ULIP also provides a financial safety net for your family in case something happens to you. Thus, you must select the right life insurance coverage amount to secure your loved ones against financial instability in your absence.
Given the fact that the best unit linked insurance plans (ULIPs) help in wealth creation, it is prudent that you remain invested in ULIP policies for an extended period. A ULIP has a lock-in period of 5 years, and you can make partial withdrawals by surrendering or cancelling the policy after that. Also, investing in the best ULIP for a long term can help you maximise your wealth through compounded returns.
The best ULIP in India enables you to avail of significant tax savings as per the various sections of the Income Tax Act, 1961. Here are the tax exemption benefits that are available under a ULIP:
It is well known that the power of compounding helps your investments grow with time. But have you ever wondered how much your investments can actually grow with time? The below table illustrates the potential growth of your investment at the end of 20 years for different Unit Linked Insurance Plans assuming a monthly investment of Rs. 10,000 for 10 years:
| Type of ULIP | Monthly Contribution | Investment Tenure | Corpus created at withdrawal after 20 years assuming 4% p.a.* returns | Corpus Created at withdrawal after 20 years assuming 8% p.a.* returns | Key Benefits of the Chosen Plan |
|---|---|---|---|---|---|
| Wealth Plan | Rs. 10,000 | 10 years | 17.19 lakh | 30.76 lakh |
Zero Commission, policy allocation & admin charges* Unlimited free fund switches* Eligible for 80C and 10 (10d) tax benefits4 In-built life cover |
| Capital Guarantee Plan | Rs. 10,000 | 10 years | 21.54 lakh | 29.07 lakh |
Benefit of Market upside with protection of invested capital* Eligible for 80C and 10 (10d) tax benefits4 Get benefits of two unique ULIP plans in a single investment plan* In-built life cover |
| Child Plan | Rs. 10,000 | 10 years | 14.99 lakh | 27.65 lakh |
Funding of premium, monthly income option and fund value at maturity* Zero Commission, policy allocation & admin charges* Eligible for 80C and 10 (10d) tax benefits4 In-built life cover |
The primary purpose of the best unit linked insurance plan or ULIP is to help you avail of maximal wealth appreciation on your ULIP investment through different market-linked instruments and returns. At the same time, the ULIP provides comprehensive life insurance coverage benefits to you and your loved ones throughout the policy tenure.
You can switch between the available equity and debt fund options under your unit linked insurance plan or ULIP at any time during the Policy Term. You can make up to a fixed number of switches within a financial year without incurring any additional charges. To know whether your chosen ULIP plan offers free switches, please refer to the policy document.
When you invest in the best ULIP, you may redirect your future premiums between different available funds options at any time. You would have to quote your Policy Number and specify the fund(s) to which you want to redirect the premium. You may also specify the percentage of premium you wish to allocate to each fund.
All ULIPs have an initial lock-in period of 5 years. You can make a fixed number of partial withdrawals from the accumulated fund value without incurring any additional charges after the completion of the lock-in period.
On maturity of the ULIP policy, you become eligible to avail of an amount equal to the accumulated fund value as a maturity/ survival benefit.
In case of untimely demise at any time within the ULIP policy tenure, your family will receive the ULIP insurance benefit as per the policy terms and conditions.
The best ULIPs help you boost your accumulated wealth through loyalty additions, at the end of each policy year. A specific percentage of the fund value under the ULIP is added to your policy earnings through the creation of additional units. Loyalty Additions are offered under the following plans by Max Life Insurance –
Given below are several ways through which you can opt to manage your ULIP funds:
As ULIP offers the dual benefits of life insurance and investment, you can claim a tax exemption (up to INR 1,50,000) applicable for life insurance products under Section 80C of the Income Tax Act.
If the premium paid towards unit linked insurance plan or ULIPs exceeds Rs. 2.5 lakh, then the returns will be taxable. The rate of tax will depend on the ULIP composition.
Here are the various types of ULIP funds you can invest in:
A ULIP calculator is primarily a tool developed to help you determine the maturity amount under a unit linked insurance plan, based on your expected future investment value and returns under the ULIP policy. Online ULIP calculators have different features to estimate the future value of your chosen ULIP plan investments and expected returns, which in turn, helps you compare various ULIP plans. In other words, you can use a ULIP calculator to make rational investment decisions based on a comparative cost-benefit analysis of a ULIP plan. Such ULIP calculators help determine the maturity amount by assuming several factors. Please consult your financial advisor before investing.
Max Life Insurance offers the following unit linked insurance plan or ULIP variants:
Max Life Fast Track Super Plan (A Unit Linked Non-Participating Individual Life Insurance Plan, UIN: 104L082V04 ) is a ULIP that offers a simplistic and safe approach to diversify your investments with multiple fund options. The ULIP helps you:
Max Life Platinum Wealth Plan (A Unit Linked Non Participating Individual Life Insurance Plan, UIN: 104L090V04) is an ideal ULIP that helps you accumulate and grow your savings so that you achieve your long-term goals quickly. With this offline ULIP, you can maximise your hard-earned money through market-linked returns and additional wealth boosters while protecting your family's future, even in your absence. The Platinum Wealth ULIP helps you:
Max Life Online Savings plan – Variant 1 (A Unit Linked Non Participating Individual Life Insurance Plan, UIN: 104L098V06) provides the dual benefit of lump sum payout for your goals and financial protection during emergencies. The ULIP gives you the flexibility to choose from a wide range of funds to suit your investment style and choice of policy term while simultaneously saving on investment taxes. Max Life Online Savings Plan – Variant 1 offers the following features and benefits:
Max Life Online Savings Plan – Variant 2(A Unit Linked Non Participating Individual Life Insurance Plan, UIN: 104L098V06) provides a lump sum payout payable immediately on death, followed by regular payouts in the form of Family Income Benefit and the total Fund Value on maturity. Furthermore, all outstanding premiums after the date of death of the Life Insured will be funded by the Company. Max Life Online Savings Plan – Variant 2 offers the following features:
Max Life Shiksha Plus Super Plan (A Unit-Linked Non-Participating Individual Life Insurance Plan, UIN: 104L084V08) helps you secure a fund for your child's future education and back their dreams. The ULIP helps provide financial support whenever needed. Max Life Shiksha Plus Super Plan offers the following features and benefits:
Max Life Forever Young Pension Plan (A Unit-Linked Non-Participating Individual Pension Plan, UIN - 104L075V03) helps you create savings for retirement years while safeguarding you from the equity market’s volatility. You can also get additional annuity plan benefits to safeguard your loved ones against unforeseen events so that you all are covered during those times. Max Life Forever Young Plan offers the following features:
Unit Linked Plans or ULIP serves the primary purpose of wealth appreciation on your ULIP investment via different market-linked instruments and providing life cover. ULIP plan can be bought online is quick and simple steps. Mentioned below is the step-to-step guide to buy ULIP online:
Let us take a closer look at the different ULIP charges offered by Max Life Insurance:
The Premium Allocation Charge is expressed as a percentage of the premium received and is levied against the allocation of variable premium amounts against different fund options.
This is a charge levied as a percentage of the value of assets and shall be appropriated, usually daily, by adjusting the Net Asset Value (NAV) of the Fund. The rate to be levied will be equal to the annual rate, as given above, divided by 365 and multiplied by the number of days that have elapsed since the previous unit valuation date.
This is a charge expressed as a percentage of premiums paid for all variants and is levied at each monthly anniversary by cancelling proportionate units starting from the date of commencement of the policy.
Mortality charge is levied for providing risk cover to the Life Insured during the Policy Term. This charge is unisex and is levied on the attained age of the Life Insured on the Sum at Risk, and these charges are guaranteed for the entire Policy Term.
This charge shall be levied on the Fund Value at the time of Discontinuance of Policy or effecting Complete Withdrawal (Surrender), whichever is earlier.
A maximum of twelve Switches are allowed in any policy year and are free of charge. Switches may be permitted during the settlement period.
A maximum of six Premium Redirections are allowed in each policy year and are free of any charge.
After the first five policy years, a maximum of two partial withdrawals are allowed in a policy year and are free of any charge. No partial withdrawal will be permitted during the period of discontinuance and settlement period.
Here is a summary of the different charges for ULIPs from Max Life Insurance:
| Charges / Plans | Premium Allocation Charge | Fund Management Charge | Policy Administration Charge | Mortality Charges | Surrender / Discontinuance Charge | Switch Charge | Premium Redirection Charge | Partial Withdrawal | Rider Charge |
|---|---|---|---|---|---|---|---|---|---|
| Max Life Fast Track Super Plan | Yes | Yes | Yes | Yes | Yes | No | No | No | No |
| Max Life Platinum Wealth Plan | Yes | Yes | Yes | Yes | Yes | No | No | No | Yes |
| Max Life Online Savings plan – Variant 1 | No | Yes | No | Yes | Yes | No | No | No | No |
| Max Life Online Savings Plan – Variant 2 | No | Yes | No | Yes | Yes | No | No | No | No |
| Max Life Shiksha Plus Super Plan | Yes | Yes | Yes | Yes | Yes | No | No | No | No |
For more details about the applicable ULIP plan charges, you can refer to the individual policy leaflets.
ULIP is a popular investment option in India. However, with such popularity comes a lot of misconceptions. Here are some of the myths surrounding investment in ULIP:
Many believe that ULIPs carry more risk, as they invest in market-linked instruments. Even though market-linked instruments do not guarantee returns because these are affected by market fluctuations, they are not a risky investment if made mindfully.
If risks are one of your greatest concerns, you can also go for minimal-risk instruments.
Debt funds, particularly, are safer as they invest in government securities and government bonds.
ARN NO: PCP/UP/021124
“There was a time when I felt uncomfortable the moment anyone discussed stock markets and mutual funds. I am still not sure how they work. However, a friend of mine had invested in Max Life ULIP plans, and he encouraged me to explore the same. I am glad that I took his advice seriously. Max Life ULIP is one of the best investment plans in the market with complete flexibility to invest in debt and equity funds as and when required.”
Mr. Shinde
“Dear Max Team, My policy no. is XXXXXXXXX, Siddhant suggest me a ulip plan. Wonderful experience with one of the best ulip plan from max life.”
Ramiz Khalif
“It's been a wonderful experience with max life for advising ulip best plan. Also special thanks to Mr. Deepak Raiswal, for being supportive in fullfilling any requirements related to policy.”
Hina Kalra
4.3
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