Future Generali India Life Insurancehas been rebranded as Generali Central Life Insurance. Following the rebrand, the insurer’s ULIP portfolio continues under the Generali Central identity. With Generali Central Life ULIP plans, customers can benefit from market-linked investment opportunities and life insurance protection through a variety of plan options tailored to support their long-term financial goals.
Returns as on 21-09-2026. The returns are the returns of best-performing fund in the plan
Disclaimer : ˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s
insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.inRead MoreRead Less
Key Features of Generali Central Life ULIP Plans
Multiple Investment Approaches:
Select plans feature goal-based options, self-investment choices, and auto-invest strategies that help policyholders align their investments with retirement, wealth-building, and family protection goals.
High Life Cover Flexibility:
The portfolio includes varying protection structures, including high sum assured multiples and life cover up to 100x annualised premium in selected variants.
Extra Allocation and Charge Return Features:
Some plans offer that extra premium allocation edge, plus refunded mortality charges, and allocation charge returns, so it tends to help steady the long run corpus buildup.
Systematic Partial Withdrawal Facility:
Some plans also provide for systematic partial withdrawal alternatives, whereby monthly distributions can be taken after the premium payment period or lock-in period is over, to meet retirement or periodic financial goals.
Broad Fund Choice with Switching Flexibility:
As a part of the plan, the policyholder can invest in a maximum of 9 investment funds across equities, debt and balanced allocations with the option to swap and change the investment exposure.
Tax Benefits:
Premiums that are paid and any policy proceeds can sometimes get a favourable tax treatment under the current tax laws, assuming the usual conditions are met.
Why Invest in India's Growth Story?
India’s growth story continues to be shaped by rising consumption, expanding financial participation, and increasing long-term savings behaviour. For long-term financial goals, participation in this larger economic dynamic has become a key strategy through market-linked channels.
As financial planning moves beyond traditional savings, the need for solutions that allow exposure to capital markets while maintaining some level of financial stability grows. This gets particularly meaningful for people planning for retirement or building wealth for long-term financial security.
In such a scenario, Generali Central Life ULIP plans can be meaningful to investors looking for market-based growth opportunities through flexible investment options, a protection-centric approach, and wealth creation.
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How Much Historical Returns are Provided by the Plans?
Investment Scenario
Monthly Investment:
₹22,000
Investment Duration:
18 years
Exit Timeline:
At Policy Maturity
Product Category:
Market-Linked ULIP Plans
Scenario 1:
Returns @ 4%
Plan
Estimated Maturity Value
Assumed Return Rate
Generali Central Sampoorna Samadhaan Plan
₹84.8 L
4%
Generali Central Big Dreams Plan
₹82.7 L
4%
Generali Central Bima Advantage Plus
₹79.5 L
4%
Generali Central Dhan Vridhi
₹77.9 L
4%
Scenario 2:
Returns @ 8%
Plan Name
Estimated Maturity Value
Assumed Return Rate
Generali Central Sampoorna Samadhaan Plan
₹1.53 Cr
8%
Generali Central Big Dreams Plan
₹1.49 Cr
8%
Generali Central Bima Advantage Plus
₹1.43 Cr
8%
Generali Central Dhan Vridhi
₹1.40 Cr
8%
Note: Since ULIPs are market-linked products, actual returns and maturity values may vary depending on fund performance, applicable charges, policy continuation, and market conditions.
Benefits of Generali Central Life ULIP Plans
Long-Term Wealth Creation:
Market linked funds in equities, debt and balanced allocations provide chances to develop long term corpus in sync with future financial goals.
Life Cover Alongside Investments:
The plans provide financial protection alongside wealth creation, with selected variants offering up to 100x annualised premium depending on plan configuration.
Flexibility Across Investment Funds:
Policyholders may access up to 9 investment funds with switching flexibility to align portfolios with changing market conditions and risk appetite.
Charge Refund and Value Enhancement Features:
Selected plans include refund of mortality charges, allocation charge returns, and extra premium allocations, which may strengthen long-term fund accumulation.
Liquidity Through Partial Withdrawals:
Eligible policyholders may access partial withdrawal or systematic withdrawal features after the lock-in period to support milestone-based or recurring financial needs.
Goal-Based Financial Planning
Plans such as Big Dreams Plan offer distinct pathways tailored to goals such as retirement planning, wealth creation, and family protection, allowing better alignment with long-term priorities.
Tax Efficiency:
Premiums paid and policy benefits may qualify for tax treatment under prevailing tax laws, subject to applicable conditions and regulatory provisions.
List of Generali Central Life ULIP Plans
Generali Central Life brings ULIP plan variants that fit different investment horizons, protection requirements and some financial goals, depending on your preferences. The table below outlines the available plan options:
ULIP Plan
Entry Age
Maximum Maturity Age
Premium Payment Term (PPT)
Policy Term (PT)
Minimum Premium
Generali Central Big Dreams Plan
0 years to 65 years (varies by option)
Up to 100 years (Retire Smart)
Single Pay, Limited Pay, Regular Pay
5 to 20 years / Till Age 100 (Retire Smart)
₹1,500 onwards, monthly; ₹18,000 onwards, annually (10+ year PT) Single Pay: ₹1,00,000
View plan
Generali Central Dhan Vridhi
0 years onwards (varies by PT/PPT)
Varies by selected term
Limited Pay
Chosen by the policyholder
₹18,000 p.a. onwards Top-up: Not specified
View plan
Generali Central Bima Advantage Plus
7 years to 65 years
Varies by selected PT
Regular Pay
Flexible policy term
Based on chosen annual premium and sum assured multiple
View plan
Generali Central Sampoorna Samadhaan Plan
18 years to 65 years
Up to 85 years
5, 8, 10, 12, 15, 20, 30, 40, 50 years (based on PT)
20, 30, 40, 50 years
₹50,000 p.a.
View plan
Invest More Get More!
YOU GET
₹ 1 Crore *
YOU INVEST
₹ 10K/ month
YOU GET
₹ 80 Lakhs *
YOU INVEST
₹ 8K/ month
YOU GET
₹ 50 Lakhs *
YOU INVEST
₹ 5K/ month
Details of Generali Central Life ULIP Plans
Each Generali Central Life ULIP plan follows a different approach to wealth creation, with variations in investment flexibility, protection structure, and long-term financial planning features.
Generali Central Big Dreams Plan
Generali Central Big Dreams Plan is an Individual, Non-Participating, Unit Linked Life Insurance Plan, it’s designed for goal oriented investing with built in pathways for wealth creation, retirement planning and family protection too.
Key Features of Generali Central Big Dreams Plan
Three Goal-Based Options:
Policyholders may choose between Wealth Creation, Retire Smart, and Dream Protect depending on financial priorities.
Extra Premium Allocation Benefit:
Additional allocation ranging from 1% to 7% may be credited on eligible instalment premiums.
Zero Allocation and Administration Charges:
The plan includes zero allocation and administration charges, supporting long-term fund accumulation.
Dream Protect Continuity Feature:
Under the Dream Protect option, future premiums may be funded by the insurer after the policyholder’s demise.
Self-Invest and Auto-Invest Rules:
Policyholders may choose between self-directed fund allocation and automated investment strategies.
Systematic Partial Withdrawal Facility:
Available under Wealth Creation and Retire Smart options to support recurring income needs after the premium payment term.
Generali Central Dhan Vridhi
Generali Central Dhan Vridhi is basically an Individual, Non Participating, Unit Linked Life Insurance Plan that supports medium to long term wealth creation with smaller premium commitments and fund flexibility.
Key Features of Generali Central Dhan Vridhi Plan
Limited Premium Payment Structure:
Premiums are paid for a limited duration, while life cover may continue beyond the premium payment term./p>
Choice of 9 Investment Funds:
Policyholders can diversify their investments over nine fund options designed to cater to different risk tolerances.
Fund Switching Flexibility:
The plan allows fund switches to help optimise portfolio allocation over time.
Partial Withdrawal Facility:
Eligible withdrawals may be made after five policy years to address liquidity needs.
Optional Rider Support:
The plan gives access to four optional riders to better customise your protection.
Medium to Long-Term Goal Orientation:
Set up in a way that supports long-term financial planning, while also keeping that market-linked investment exposure thing going, over time.
Generali Central Bima Advantage Plus
Generali Central Bima Advantage Plus is an Individual, Unit Linked, Non-Participating Life Insurance Plan centred around market-linked wealth creation with life cover and fund flexibility.
Key Features of Generali Central Bima Advantage Plus
Protection and Wealth Creation Focus:
The plan offers market linked investing, plus life insurance coverage to back up medium to long term financial goals.
Fund Switching and Redirection:
Policyholders get flexibility through switching, premium redirection, and partial withdrawal options.
Flexible Sum Assured Multiples:
The death benefit multiple depends on the insured’s age as well as the level of risk involved, and this makes for various insurance plans.
Long-Term Investment Positioning:
It is meant for medium to long-term generation of wealth through market linked investment.
Generali Central Sampoorna Samadhaan Plan
The Generali Central Sampoorna Samadhaan Plan is an Individual, Non-Participating, Unit Linked Life Insurance Plan, providing high life cover with long term wealth generation and charge refund benefits.
Key Features of Generali Central Sampoorna Samadhaan Plan
Refund of Mortality and Allocation Charges:
Some of the charges deducted during the policy term are added back to the investment corpus which helps to boost the fund value in the long term.
High Life Cover Flexibility:
Policyholders might go for death benefit multipliers as high as 100 times the annualised premium, but only if they meet the eligibility rules and underwriting norms, in general.
Systematic Partial Withdrawal Facility:
Once you qualify, you can avail monthly withdrawals to meet any ongoing financial needs.
Self-Invest and Auto-Invest Rules:
The plan offers self-directed fund allocation and also has pre-defined automated investment pathways.
Three Optional Riders:
Additional protection may be enhanced through accidental death, accidental disability, and critical illness riders.
Why Buy Generali Central Life ULIP Plans from Policybazaar?
Over 9 lakh customers have invested ₹12,400 Cr through Policybazaar
No hidden charges. All costs and returns are clearly disclosed
Certified advisors provide unbiased guidance based on your needs
IRDAI-regulated, ensuring advice is in the customer’s interest
What are the different types of Generali Central Life ULIP Plans?
They offer various plans (such as Big Dreams Plan, Dhan Vridhi, Bima Advantage Plus, and Sampoorna Samadhaan Plan) for diverse needs, like monthly income plans, capital protection plans, single premium plans, and flexible premium plans.
How do I choose the right Generali Central Life ULIP Plan?
Consider your financial goals, risk appetite, investment experience, and budget. Consulting a financial advisor can help you choose the best plan for your situation.
What are the charges associated with Generali Central Life ULIP Plans?
There are premium allocation charges, fund management charges, mortality charges, and policy administration charges. Understanding these charges before investing is crucial.
Can I switch funds or make withdrawals with Generali Central Life ULIP Plans?
Yes, most plans offer fund switching and partial withdrawals after a specific lock-in period. Check the specific Generali Central plan (formerly, Future Generali investment plan ) details for exact terms.
How to pay premium? What are the modes of payment available?
Generali Central Life Insurance offers multiple premium payment modes, including:
Auto Debit
Cash/cheque deposit at Branch
Online payment
Pay by Phone
How can I check policy status for Generali Central Life ULIP plans?
You can check the policy details from the website of the company with your valid username and password.
What is the policy renewal process for Generali Central Life ULIP plans?
You can renew the policy by login to e-Portal with policy details. Select the payment option (Debit/Credit Card or by Net Banking) to pay. Finally, print/save the e-receipt. You can deposit the cash before the due date to renew it automatically.
What is the claim settlement process for Generali Central Life ULIP plans?
The company settles the claims within 7 days, provided the documents and the claims form is correct. You will have to apply for the claim at the company through email.
What is the policy cancellation process for Generali Central Life ULIP plans?
Visit the nearest branch office with your policy documents and a duly filled-out surrender form. It would take 5 business days to process the cancellation request and deposit the refund premium. An intimation letter on the cancelled policy will be posted to your registered address.
"My traditional insurance policy plan is good with great facilities. Future generali India life insurance you guys are fantastic, your service is like super sonic. Premiums are low and the policy coverage is 85% with good claims. Executives and staff members are doing there work very good.
"
FK
Faisal
Dwarakanagar, January 16, 2025
Above Average
"The policy I have is future generali life traditional plan which is very good and the premiums are low with high in policy coverage 90%. The claiming part is very easy because the service is very fast with good response from the staff members. The updates regarding policy is mailed regularly.
"
SV
Sumeet
Bareilly, January 16, 2025
Damn Good Policy
"I have traditional insurance policy plan which I buy from future generali India life insurance. The policy coverage is 81% and the claims are good. The premiums are low and the claiming process is easy and sanctioned in short time period. The behaviour of the executives and staff members is nice with calm nature. Good work guys. I like the policy.
"
AS
Abhinav
Alwar, January 16, 2025
Good
"I have future generali life traditional plan. The policy coverage is 89% and the claims are high which can be easily sanctioned. The service provided by the executives and staff members are fast and responsive. Nice policy plan which save taxes also. Updates are mailed regularly."
CS
Chandan
Mohali, January 16, 2025
Great Deal
"My traditional insurance plan has good coverage approx. 91% and nice claims also. The future generali India life insurance provide good plan in low premiums and the service is fast. The executives and staff members are behave well. The behaviour of the company members was nice with calm nature. Good future investment which save taxes too."
TB
Tarun
Greater_noida, January 16, 2025
Responsive Faculty
"I have future generali life traditional insurance plan. The policy coverage is 86% and the claims are high. The premiums are low and the paybacks are high. The service is very good and always on time. The executives and staff members behave well and they solved queries in short time."
MK
Manoj
Faridabad, January 16, 2025
Fantastic Plan
"My future generali life traditional plan is fantastic which has low investments. The policy coverage is 90% and the policy claims are high. The policy claims are easily sanctioned due to fast services provided by the executives and the staff members. Good future investment and it tax saver too. I like the plan."
RK
Rajiv
Ballabgarh, January 16, 2025
Investment policy
"My traditional insurance plan is awesome because i buy it from future generali life insurance which is very known company for good insurances. Service is mind blowing and on time too. Policy coverage and claims are high but the premiums are low."
YM
Yashu
Darjeeling, January 16, 2025
Above Average
"The insurance policy which i have is an above average. It has good benefits in low investment. Service is good and behaviour of the staff member towards their customer is very nice. The minimum sum assured amount is around 60 K and maximum has no limit. "
PS
Prashant
Mysore, January 16, 2025
Superb Plan
"My future generali life traditional plan is an average one which has low premiums but the returns are also less. The policy coverage is 70% with okay claims. The services is fast and on time. This policy is tax saver and the normal benefits are also given in this policy. Good plan, good investment.
"
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
Tax benefit is subject to changes in tax laws
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
#The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. *Tax benefits and savings are subject to changes in tax laws. All plans listed here are of insurance companies’ funds. The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.
˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
