IndiaFirst Life TULIP Plus Plan

IndiaFirst Life TULIP Plus Plan is a Unit-Linked Insurance Plan (ULIP), that has market-based investment opportunities. It is a strategy that can be adopted by those willing to build wealth in the long term while ensuring their families' financial security. As a subsidiary of the larger IndiaFirst Life ULIP family, it offers diversified funds, flexible investment options, and a high life insurance cover of up to 100 times the annual premium.

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  • 6.29 Crore Policies Sold
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13.2 Crore
Registered Consumer
53
Insurance Partners
6.29 Crore
Policies Sold

List of ULIP Funds ~
Fund Name
AUM
Returns (in %)
3 Year
5 Year
10 Year
11,974 Cr
Returns
11.4%
Returns
10.73%
Returns
12.16%
Highest Returns
Get Details
34,475 Cr
Returns
17.63%
Highest Returns
Returns
14.37%
Returns
14.73%
Get Details
13,736 Cr
Returns
25.01%
Highest Returns
Returns
19.93%
Returns
18.81%
Get Details
3,457 Cr
Returns
13.86%
Highest Returns
Returns
13.3%
Returns
12.6%
Get Details
10,579 Cr
Returns
18.62%
Returns
21%
Returns
22%
Highest Returns
Get Details
5,492 Cr
Returns
16.38%
Highest Returns
Returns
13.62%
Returns
14.42%
Get Details
5,426 Cr
Returns
19.82%
Highest Returns
Returns
17.44%
Returns
16.29%
Get Details
4,838 Cr
Returns
14.31%
Highest Returns
Returns
13.04%
Returns
13.72%
Get Details
3,206 Cr
Returns
15.03%
Returns
13.23%
Returns
15.26%
Highest Returns
Get Details
0 Cr
Returns
18.32%
Highest Returns
Returns
12.06%
Returns
14.16%
Get Details
1,419 Cr
Returns
7.86%
Returns
8.17%
Returns
9.81%
Highest Returns
Get Details
0 Cr
Returns
21.14%
Highest Returns
Returns
11.81%
Returns
16.13%
Get Details
422 Cr
Returns
11.26%
Returns
10.85%
Returns
13.9%
Highest Returns
Get Details
498 Cr
Returns
11.03%
Returns
10.12%
Returns
11.27%
Highest Returns
Get Details
136 Cr
Returns
11.66%
Returns
11.72%
Returns
13.08%
Highest Returns
Get Details
5 Cr
Returns
9.12%
Returns
9.28%
Returns
10.71%
Highest Returns
Get Details
206 Cr
Returns
12.81%
Returns
13.38%
Highest Returns
Returns
13.26%
Get Details
2,685 Cr
Returns
7.87%
Highest Returns
Returns
6.4%
Returns
-
Get Details
see more plans

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.in

Eligibility Criteria for the IndiaFirst Life TULIP Plus Plan

Criteria Minimum Maximum
Entry Age 18 Years 60 Year
Maturity Age 75 Years
Premium Payment Term 5 Years 30 Years
Policy Term 10 Year 40 Years
Premium Amount As Per Plan No Fixed Limit

Features of the IndiaFirst Life TULIP Plus Plan

The plan offers several investment and protection features designed to support financial goals. Here are the key features under the IndiaFirst Life ULIP Plus Plan:

  • Life Insurance Cover: Policyholders can be provided with life insurance coverage equal to 100 times the annual premium, which will greatly protect their families.
  • Return Of Charges: IndiaFirst Life TULIP Plus Plan offers return of premium allocation charges and mortality charges, which are returned to the fund value throughout the policy term, thereby increasing investment returns.
  • Multiple Fund Options: There are 10 diversified funds with varying risk levels for investors to choose from, based on their objectives.
  • New Equity-Based Funds: The IndiaFirst Life TULIP Plus Plan will include the Multi-Cap Equity Fund and the Macro Trend Fund, which will invest in high-growth companies aligned with the long-term market trend.
  • Lowered Premium Allocation Charges: IndiaFirst Life TULIP Plus Plan is also more effective when one has large investments, as the higher the premium investments, the lower the allocation charges.
  • Sophisticated Investment Policies: There are three investment strategies that policyholders can use to manage risk and invest effectively.
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Benefits of the IndiaFirst Life TULIP Plus Plan

Before choosing the best investment plan, it is essential to understand how it works and what it offers. The following are the key benefits of IndiaFirst Life TULIP Plus Plan.

  • Maturity Benefit: The maturity benefit is the accumulated fund value remitted to the policyholder upon the policyholder's survival to the end of the policy term.
  • Wealth Creation Opportunity: The plan offers the opportunity to accumulate wealth in the long term through equity-based investments and diversified funds.
  • Tax Benefits: Tax benefits may include tax premiums paid and tax benefits received, as defined in the applicable regulations and income tax laws.
  • Flexible Investment Alternatives: The IndiaFirst Life TULIP Plus Plan offers a range of investment options, and policyholders can customize their investment strategy based on risk tolerance and investment objectives.

Riders Under the IndiaFirst Life TULIP Plus Plan

The number of riders can be increased on the base policy to increase coverage. We will review the possible riders.

  • Accidental Death Benefit Rider: This rider provides additional financial protection if the life assured dies in an accident.
  • Permanent and Total Disability Rider: If the insured suffers permanent disability due to an accident, the rider will pay the sum assured.

Policy Details of the IndiaFirst Life TULIP Plus Plan

  1. Grace Period

    It will offer a grace period after the premium is due, allowing policyholders to make payment before the policy expiry.

  2. Revival

    If the policy is lost due to nonpayment, it can be reinstated within a specified period by paying all missed payments plus interest.

  3. Free Look Period

    Policyholders have the right to a 15-day free look period, during which they may receive the policy and cancel if they are not pleased.

  4. Surrender

    The policy year can charge surrender fees, and the policy before it matures can be surrenderable.

    Invest in high growth ULIP Plans Invest in high growth ULIP Plans
  5. Fund Switching

    It will be left to policyholders to decide whether to change an investment of their choice based on market conditions or their financial goals.

Fund Name NAV sort icon AUM sort icon 5 Yr Returns sort icon 10 Yr Returns sort icon
IndiaFirst EBP Dynamic Moderator Fund ₹22.66 ₹9 Cr 5.83% -
IndiaFirst Flexi Cap Equity Fund ₹18.99 ₹199 Cr - -
IndiaFirst Sustainable Equity Fund ₹15.44 ₹18 Cr - -
IndiaFirst Equity Elite Opportunities Fund ₹27.62 ₹153 Cr 10% -
IndiaFirst Equity Pension ₹57.61 ₹10 Cr 12.68% 12.99%
IndiaFirst Balanced Pension ₹44.24 ₹3 Cr 9.64% 10.61%
IndiaFirst Debt Pension ₹26.72 ₹1 Cr 4.53% 5.21%
IndiaFirst Equity ₹53.13 ₹20 Cr 11.63% 12.13%
IndiaFirst Balanced ₹42.05 ₹9 Cr 9.32% 10.18%
IndiaFirst Debt ₹27.1 ₹1 Cr 4.62% 5.29%
IndiaFirst Equity 1 ₹48.06 ₹5096 Cr 11.17% 12.4%
IndiaFirst Debt 1 ₹25.37 ₹1869 Cr 5.08% 5.03%
IndiaFirst Balanced 1 ₹37.03 ₹331 Cr 8.86% 9.58%
IndiaFirst Index Tracker ₹40.39 ₹35 Cr 9.15% 11.2%
IndiaFirst Value ₹52.21 ₹273 Cr 11.37% 12.65%
IndiaFirst Dynamic Asset Allocation ₹38.29 ₹320 Cr 7.93% 7.6%
IndiaFirst Bond Fund ₹27.94 ₹297 Cr 5.24% 5.83%
IndiaFirst Equity Advantage Fund ₹52.57 ₹132 Cr 11.22% 12.46%
IndiaFirst Macro Trends Fund ₹9.75 ₹13 Cr - -
IndiaFirst Multi Cap Equity Fund ₹10.75 ₹104 Cr - -
IndiaFirst Large Cap Equity Fund ₹11 ₹143 Cr - -
IndiaFirst Pension Debt Fund ₹10.24 ₹3 Cr - -
See more plans

Exclusions Under the IndiaFirst Life TULIP Plus Plan

There are some requirements that may limit the policy's coverage. Here are the key exclusions:

  1. Suicidal Cover

    In case the life assured commits suicide within the given first policy term, the policy might not give the complete benefit of death as stipulated in the policy.

  2. Total Permanent Disability (TPD)

    Disability rider claims are subject to definite conditions and medical justifications before one receives a payment.

FAQs

  • What are the investment strategies that can be considered on the IndiaFirst Life TULIP Plus Plan?

    The plan provides three investment alternatives, which include Self-Managed Strategy, Smart Switch Strategy, and Age-Based Investment Strategy, where the investor is able to control the level of risk as well as the way funds are allocated.
  • How many funds are available in the IndiaFirst Life TULIP Plus Plan?

    The plan offers 10 diversified funds, including equity and balanced funds, to meet the risk appetites of different people.
  • Who should consider the IndiaFirst Life TULIP Plus Plan?

    This plan should be viewed as part of long-term financial planning for individuals seeking a mix of life insurance coverage and market-related investment growth.
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Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Average Rating
(Based on 1286 Reviews)

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IndiaFirst ULIP Plans Reviews & Ratings

4.6 / 5 (Based on 1286 Reviews)
(Showing Newest 10 reviews)
Divya
Ranchi, June 22, 2025
Kotak E Invest plus Policybazaar equal Win
Best combo. Policybazaars help made it stress free.
Harsha
Guwahati, June 21, 2025
Promise for Growth Plus Is Understated
It quietly delivers what it promises. Good pick.
Meera
Vellore, June 20, 2025
Click to Invest Makes Investing Fun
Simple UI digital first and a great entry level product.
Nikhil
Shimla, June 19, 2025
Goal Assure IV Seems Tailored for Me
Plan gives control over fund choice and returns.
Aditi
Vijayawada, June 16, 2025
Policybazaar Helped Me Choose Confidently
Smart Fortune Plus was explained so well. Really appreciated the clarity.
Nidhi
Indore, June 11, 2025
Birla Wealth Smart Plus Has Solid Features
Low charges and good growth options. Very happy.
Siddharth
Kochi, May 10, 2025
Pramerica Smart Invest Was a Pleasant Surprise
Didnt expect it to be this flexible. Great choice.
Aisha
Kolkata, April 09, 2025
ICICI Signature Plan Was a Smart Decision
Liked the balance between life cover and returns
Raghav
Ahmedabad, April 08, 2025
LIC Index Plus is a No Brainer
Safe low risk and time tested. I didnt have to think twice.
Amit
Guwahati, March 26, 2025
Reliable and Safe Investment
Policybazaar is reliable for investment. HDFC Life Dynamic Advantage Fund performs well and is safe for long term.


˜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
Disclaimer: #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.
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
^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.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ

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