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Top Unit Linked Insurance Plans for 2017

The best 6 unit linked plans that you can choose from. Know about the features and benefits of such plans, how you could avail them and most importantly, the return of such plans.
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Fees & Charges

Promised Interest Rate

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Customer Service

Responsiveness

ULIP is an insurance product which provides risk cover and market investments at the same time. It allows you to invest in stocks, bonds, and mutual funds. Those who wish to invest in ULIPs should consider their financial objectives, risk appetite, and market conditions before choosing from a wide range of options available. The investment fraction and the insurance fraction of the plan are controlled according to the customer’s choice and preferences. Here are some of the best ULIP plans you can choose to invest in.

Future Generali Wealth Protect Plan:

It’s an insurance cum investment plan which offers a coverage up to 30 times your annual premium. It helps you achieve your long term financial goals while protecting your beloved ones at the same time. The plan also offers guaranteed loyalty additions on maturity. You can invest in a systematic pattern at monthly, quarterly, or half-yearly frequencies in debt, equity and balanced assets. You can also switch from one fund to another depending on the market conditions. The plan allows partial withdrawals after 5 years. Given below are the key highlights of Future Generali Wealth Protect plan:

  • You can choose the amount
  • You can choose the duration
  • Select the required life cover
  • Choose the fund options, and
  • Pay premium at the chosen interval

HDFC SL ProGrowth Super II:

HDFC SL ProGrowth Super II is a savings plus insurance plan that will safeguard your family from unforeseen circumstances and will also help you with your financial objectives. The plan offers you the flexibility to choose from the following options:

  • Life option provides death benefits
  • Extra life option that offers death benefits along with accidental death benefit
  • Life and health option with death benefit and critical illness benefit
  • Extra life and health plan that comes with death benefit, critical illness benefit, and accidental death benefit
  • Life and disability option offering death benefit and accidental total and permanent disability benefit
  • Extra life and disability option that combines death benefits, accidental death benefits, and accidental total and permanent disability benefit
  • Life, health, and disability option that offers death benefit, critical illness, and accidental total and permanent disability benefit
  • Extra life, health, and disability option that covers all the above mentioned benefits under a single plan

Bajaj Allianz Retire Rich:

Retire Rich, as the name suggests, is a unit linked retirement cum insurance plan which offers a multitude of features and benefits to the policyholders. At the time of commencement of the plan, you have to choose the premium payment options—regular, limited, or single premium. The premiums paid by you, will be allocated towards the pension builder fund after deduction of premium allocation charges. The units will be set aside towards your policy account at the prevailing unit price of the fund. On completion of the policy term, guaranteed vesting benefits equal to 101% of regular premiums and top-up premiums shall be payable. The investment strategy of the policy is to invest in mix of assets, which is as follows:

Equities 0% to 50%
Debt, fixed deposits, and related instruments 25% to 100%
Mutual funds and money market instruments 0% to 40%

Kotak Ace Investment Plan:

In Kotak Ace Investment, the investment risk is to be borne by the policyholder and it does not offer liquidity for the first 5 years of the plan. It’s an investment oriented life protection plan which comes with convenient payment options. Kotak Ace Investment allows you to choose from three investment strategies:

  • Self-Managed Strategy, which allows you to manage your investments on your own
  • Age Based Strategy, which is suitable for those who do not have the financial expertise or time for managing their investments
  • Systematic Switching Strategy is an ideal solution for those who wish to receive the benefits of equity investments in a systematic way

Canara HSBC Platinum Plus Plan:

It’s a unit linked investment cum life protection plan which can be customized as per the requirements of the buyers. It offers high flexibility and allows you to have complete control over your market investments. Given below are some of the key highlights of the plan:

  • You can choose between limited or regular premiums
  • Provides multiple options for investment management
  • Loyalty additions and wealth boosters to increase your investment value
  • Flexibility of switching between funds to take advantage of the market fluctuations
  • Allows partial withdrawals

HDFC Life ProGrowth Plus:

HDFC Life ProGrowth Plus is a unit linked insurance plan with regular premiums. The plan allows you to choose your regular premium payment mode and the investment fund. The premiums will be invested in the investment fund of your choice and in the proportion you specify. The plan does not offer liquidity during first 5 years of the policy term. The policy offers death benefits and accidental death benefits. Death benefits paid under the policy shall be higher of the following:

  • Sum assured
  • Unit Fund Value
  • Minimum death benefit

Top Unit Linked Insurance Plans for 2017 Reviews

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  • Kotak Life Life Insurance
    "Excellent"
    0.5 4.5/5 "Excellent!"
    I am a employee of Kotak Life and have taken one policy for saving also company has provided me a policy. It is a long term policies. The tenure period is 15 years. I pay the premium of 18K yearly through online or sometimes cash. The online app is good and the transactions are done immediately.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 23, 2019
  • Birla Sun Life Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have applied my life insurance with birla life, there agent was good, they have explained me clearly about the policy benefit, and there coverage, and the premium amount they have charged me was nominal, it was on yearly basis , and i use to pay premium through on line.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 23, 2019
  • HDFC Life Life Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have been holding my life insurance with HDFC LIFE from long time, and I itself have applied for this insurance is i have knowledge regarding this,and there premium amount they have given me was nominal ,i use to pay up to 3500 as an premium on yearly basis,and there is no hidden charged , and i pay premium through on line.
    Was this review helpful? 0
    , jaipur
    Reviewed on Jan 23, 2019
  • ICICI Prudential Life Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have been holding my life insurance with ICICI prudential ,i took this insurance long bank , and i was agent and previously i was Ex -employee for them ,so i have knowledge about the insurance which insurance will be best ,and i pay premium on yearly basis, i use to pay through on line mode.
    Was this review helpful? 0
    , jaipur
    Reviewed on Jan 23, 2019
  • LIC Life Insurance
    "Good "
    0.5 4.5/5 "Excellent!"
    I have one LIC policy and its a term plan which was taken in the year of 2000 through an agent. I am happy with the service and the benefits are good. Am paying the premium of 25K per year through online. The sum assured value is 5L and I need to pay the premium till 2020.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 23, 2019
  • LIC Life Insurance
    "Not satisfied"
    0.5 3.0/5 "Satisfactory"
    I am having LIC policies and am using the service for more than 10 years. I only visit the branch and never contact the customer care center. I think its a money back policy and need to pay only once. I have paid the premium of 45K for 3 years through cheque. The benefits are below average.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 23, 2019
  • LIC Life Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    My life is insured with LIC from last 12 years and it is a money back policy. I get money back after every 5 years in this policy. I pay my premium once in 6 months and i am convenient with the payment options. Tenure period for this policy is after 30 years.
    Was this review helpful? 0
    , surat
    Reviewed on Jan 23, 2019
  • LIC Life Insurance
    "Best policy"
    0.5 5.0/5 "Blown Away!"
    I have a life insurance policy with LIC from last 15 years and it is a long term policy. My premium amount is auto debited from the salary account for this policy. I am happy with the returns and benefits of this policy. This policy will get matured at 2028.
    Was this review helpful? 0
    , pune
    Reviewed on Jan 23, 2019
  • LIC Life Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have a life insurance policy with LIC from last 8 years and it is a money back policy. I get money back after every 5 years and this policy is for 20 years. I pay my premium on annual basis through online and i get good returns after maturity period.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 23, 2019
  • LIC Life Insurance
    "Good Policy"
    0.5 3.5/5 "Pretty good"
    I have taken Jeevan bheema from Lic as its been Government institution , so the assurance is there regarding the policy benefits , I used to get income tax benefits I make the payments through auto debit option overall am pretty much satisfied with the service and response. .
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 23, 2019
  • LIC Life Insurance
    "Good Policy"
    0.5 3.5/5 "Pretty good"
    I took this Life insurance Money back policy from Lic insurance company mainly because of the good returns, its long tenure period of 20 years , the payment can be done through only payments Quarterly . The best about the policy is claim rate is high compared to other policy available in the market. There customer service and customer response is good .
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 23, 2019
  • LIC Life Insurance
    "Good Policy"
    0.5 3.5/5 "Pretty good"
    I took life insurance jeevan saral policy from life corporation of India . I already paid for few years . As the policy coverage of good sum assures amount , which was my first policy at my initial stage . It has good benefits like accidental coverage and critical illness coverage . The tenure period is 25 years . Overall am satisfied with my policy
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 23, 2019
  • LIC Life Insurance
    "Good Policy"
    0.5 3.5/5 "Pretty good"
    I took this life insurance jeevan anand policy from Lic insurance company mainly because of the good returns. The tenure period is 20 where i already made the payment for first 2 yeairs . Am doing my payment yearly through online banking this policy covers accidental benefits and critical illness .
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 23, 2019
  • LIC Life Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have been using my life insurance with Life insurance corporation of India, there service is good, the agent had explain me about the policy coverage,and about plan benefits clearly, and the premium amount they have charged me on yearly basis, and they have charged me up to 3000 it is nominal , and premium amount i use to pay through on line.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 22, 2019
  • Birla Sun Life Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have been using my life insurance with Aditya birla , there service is they provide me was excellent, till now i have not face any issue in that, there premium amount they have charged me in monthly basis,they have charged me up to 6200, and it is nominal to me , the agent had explain me about the policy coverage and plan benefit properly,i use to pay on on line mode. overall service is good.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 22, 2019
  • LIC Life Insurance
    "Good policy"
    0.5 5.0/5 "Blown Away!"
    I have purchased my money back policy long bank and twice i have received the cash in my account without giving any request and I'm quite happy about the received sum assured amount. I pay the premium amount of Rs. 600 every month. I make the premium through online.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 22, 2019
  • LIC Life Insurance
    "Good policy"
    0.5 5.0/5 "Blown Away!"
    Bought my life insurance policy from LIC. I have chosen the plan called Jeevan Anand. This is the tax benefits policy. I pay the premium amount of Rs. 1000 every month with the tenure period of 2.5 lakhs. This is a 15 years tenure period policy.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 22, 2019
  • LIC Life Insurance
    "Good policy"
    0.5 5.0/5 "Blown Away!"
    I have bought the life insurance policy in the year of 2011. My agent has suggested me about this policy. I have been paying the premium amount of Rs.10300 through ECS. I have chosen the mode of annually. Overall, I'm satisfied with the LIC policy.
    Was this review helpful? 0
    , ahmedabad
    Reviewed on Jan 22, 2019
  • LIC Life Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    Purchased my money back from LIC. I have selected the LIC company for my policy its because of the better option. They are providing various payment mode facilities. I'm satisfied with the sum assured amount and LIC customer care service is really fine.
    Was this review helpful? 0
    , indore
    Reviewed on Jan 22, 2019
  • Kotak Life Life Insurance
    "Good Insurance Policy"
    0.5 4.0/5 "Great!"
    I have purchased a accidental covered policy from Kotak Mahindra bank. Kotak gives more online services and the app is really good. I have got this policy 5 months back. I made a premium amount of Rs. 1200 and this policy covers only for me. I have not claimed anything in this policy so far.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 22, 2019
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