Investment Insurance

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The best time to think about insurance is before you need it

Investment Insurance

An investment insurance plan is the financial cover contract which is designed to give you a lump sum amount of money after a specified period to meet to then expenses. The time of maturity could be 10 years, 15 years, 25 years or at a certain age of the policyholder. It is a combination of investment and insurance so that while you save you are also securing your future.

This Covers Two Areas :

Traditional Plans : Traditional insurance plans provide multiple benefits like risk cover, fixed income return, safety, and tax benefit. Traditional Insurance plans are the oldest plans and cater to individuals with a low-risk appetite.

Ulips : ULIP or Unit Linked Insurance Plan is a mix of insurance along with investment. From a ULIP, the goal is to provide wealth creation along with life cover where the insurance company puts a portion of your investment towards life insurance and rest into a fund that is based on equity or debt or both and matches with your long-term goals. These goals could be retirement planning, children’s education or another important event you may wish to save for.

Unique features of the investment-linked plan

 You are given the flexibility to choose your own level of protection and investment.

 You can vary the number of your premium payments or coverage according to your changing financial circumstances.

 You can choose from a wide variety of funds to invest in, depending on the level of risk that you are comfortable with.

 Investment in growth or equity-related funds may give higher returns than traditional life insurance plans over the long term. However, you have to bear in mind that higher returns come with greater risks.