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Unit Linked Insurance Plans - Top Selling Plans

Canara HSBC Life Insurance offers online ULIP plans that blend life insurance protection with investment growth, helping you build wealth while securing your family's future.

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Unit Linked Insurance Plans - Top Selling Plans

Canara HSBC Life Insurance offers online ULIP plans that blend life insurance protection with investment growth, helping you build wealth while securing your family's future.

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Secure Your Future with Confidence

Life Cover up to 100× Annual Premium 12 Fund Choices Automated Portfolio Strategies Maturity Booster

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Second paragraph15 words

Secure Your Future with Confidence

Life Cover up to 100× Annual Premium 12 Fund Choices Automated Portfolio Strategies Maturity Booster

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Invest Smart, Live Smart

Flexible Premium Options Multiple Fund Allocations Systematic Withdrawals Premium Waiver Benefit

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Second paragraph11 words

Invest Smart, Live Smart

Flexible Premium Options Multiple Fund Allocations Systematic Withdrawals Premium Waiver Benefit

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Wealth Today, Protection Always

Life Cover up to 100 Years 13 Fund Options Fund Switching Option Waiver Of Premium

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Wealth Today, Protection Always

Life Cover up to 100 Years Fund Switching Option Waiver Of Premium

First paragraph85 words

What is a ULIP Plan?

A ULIP (Unit Linked Insurance Plan) is an insurance product that offers you a dual benefit of life cover and investment to achieve long-term wealth creation . The premium paid for this plan is divided into two parts: one part of the premium goes towards life cover, and the remaining sum is invested in the fund of your choice. In ULIP plans, you can invest your money in equity, debt, or both as per your risk appetite. The ROI depends upon the performance of funds.

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Second paragraph105 words

What is a ULIP Plan?

A ULIP is an insurance product that provides you with the double benefit of investment to achieve long-term wealth creation goal, and a life cover to secure your family’s future if there is an unfortunate event. The premium paid for ULIP is divided into two parts. One part of the premium is used for your life cover and the remaining sum is invested in the fund of your choice. In ULIP plans, you can invest your money in equity, debt or a combination of both funds depending on your risk appetite. The returns on the investment depend upon the performance of the funds.

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Features of ULIP Plans

Flexible Premium Payment Options: You can choose how to pay your premiums: Single Pay: one lump sum at the start Limited Pay: pay for a few years while coverage continues longer Regular Pay: pay throughout the policy term

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Second paragraph39 words

Features of ULIP Plans

Premium Payment Options: You can choose a single premium (one-time lump-sum payment at policy inception), a limited premium option (payments for a fixed period with continued coverage), or a regular premium (payments made throughout the policy term).

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Key Takeaways

ULIPs combine life insurance coverage with market-linked investment growth Starting early in a ULIP helps maximise long-term wealth accumulation You can switch between equity and debt funds based on your risk comfort level

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Key Takeaways

ULIP combines life insurance protection with market‑linked investment growth ULIP plans offer flexibility through fund switching and premium redirection A mandatory 5‑year lock‑in encourages long‑term wealth creation

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Types of ULIP Plans in India

Learn how ULIPs combine life cover with smart investing, offer fund flexibility, and empower you to grow wealth for your future needs.

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ULIP Plans - Invest Smartly with ULIPs

Learn about ULIP plans, their features, investment options, tax benefits, & how they help you build long-term financial security with life insurance.

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Features of ULIP Plans

ULIP is designed to combine insurance protection with investment growth, making it a flexible financial tool for different life stages. Some key features of a ULIP plan include:

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Myth 5: Not a Good Option

ULIP plans combine life insurance protection with market-linked investments, making them a possible option for individuals looking to address both protection and long-term investment needs.

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How Does a ULIP Plan Work?

Maturity or Claim: If you survive the policy term, you receive the fund value as a maturity benefit . In case of an unfortunate event, your nominee gets the life cover amount.

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Benefits of a ULIP Plan

Maturity Benefits: Apart from death benefits, ULIPs also provide maturity benefits. If the policyholder survives the policy term, they are entitled to receive the maturity value, which represents the accumulated fund value at the end of the policy tenure.

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What are the Different Types of ULIPs?

Liquid Funds: Liquid funds invest in short-term money market instruments such as treasury bills and certificates of deposit. These funds are suitable for managing short-term financial needs or parking surplus money without locking it away.

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Second paragraph255 words

Different Types of ULIP (Unit Linked Insurane Plans)?

Based on Funds Options: A ULIP typically offers multiple types of funds, each with a distinct investment strategy. The funds you choose within the policy are invested in various financial instruments, such as equities, bonds, and money market instruments. Here’s a breakdown of the various types of ULIP based on the funds they offer: Equity Funds: These are among the most common options in ULIPs that primarily invest in stocks and equity markets, providing high growth potential. Due to their focus on equities, these funds tend to be riskier compared to other types, but they offer potentially higher returns over the long term. Debt Funds: These are designed to provide more stable returns by investing in fixed-income instruments such as bonds, government securities, or corporate debt. Debt funds in ULIP are less volatile in comparison to the equity funds and offer lower but more predictable returns. Balanced Funds: These are also known as hybrid funds, and aim to strike a balance between equity and debt. These funds typically allocate a portion of the corpus to equities for growth potential and the rest to debt for stability and income. They are designed to offer a moderate level of risk and return. Liquid Funds: These are designed to offer a high level of liquidity and stability by investing primarily in short-term debt instruments like Treasury Bills, certificates of deposit, and commercial papers. These funds are generally suitable for individuals who want to maintain easy access to their money while earning a relatively stable return.

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Features of ULIP Plans

Lock-In Period: ULIP come with a five-year lock-in period, encouraging disciplined savings. Staying invested for longer generally improves your chances of earning better returns. It is suitable for long-term financial goals.

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Second paragraph53 words

Features of ULIP Plans

Lock-in Period: ULIPs come with a lock-in period of 5 years and may offer the potential for wealth creation when invested over a long period of time. Therefore, it can be said that the longer you stay invested in a ULIP, the more it may support your long-term investment goals.