IndiaFirst Life Wealth Maximiser Plan

The modern need for financial planning calls for solutions that offer both protection and long-term wealth generation. The IndiaFirst Life Wealth Maximiser Plan is aimed at individuals who need to increase their savings through market-linked investments, while ensuring the family has life cover. The plan offers a wide range of investment options, a variety of funds, and loyalty incentives that help policyholders accumulate wealth over the years while maintaining financial security.

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  • 13.2 Crore Registered Consumer
  • 53 Partners Insurance Partners
  • 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 Wealth Maximiser Plan

Criteria Details
Minimum Entry Age 5 years
Maximum Entry Age 55 years (5-year PPT), up to 65 years for other options
Minimum Maturity Age 18 years
Maximum Maturity Age Up to 90 years
Minimum Annual Premium ₹2,50,000
Single Premium ₹5,00,000 minimum

The plan also supports regular, limited, and single premium payment options, offering flexibility for different investment capacities.

Features of the IndiaFirst Wealth Maximiser Plan

Here are the key features of the plan:

  • Market-Linked Investment Opportunities: Invest in multiple funds linked to equity, debt, and hybrid assets.
  • Seven Fund Options: Choose from Equity, Debt, Balanced, Index Tracker, Value Fund, and other diversified funds.
  • Flexible Investment Strategies: Automatic trigger, fund transfer, and age-based strategies help manage investments efficiently.
  • Unlimited Free Fund Switches: Move funds without additional switching charges.
  • Flexible Policy Term: Customise policy duration and premium payment term.
  • Online Purchase Option: Policy can be purchased digitally for convenience.
  • Top-Up Premium Option: Invest additional funds whenever required to increase savings.
Invest more and Get more with ULIP Plan Invest more and Get more with ULIP Plan

Benefits of the IndiaFirst Wealth Maximiser Plan

Below are the benefits of IndiaFirst Wealth Maximiser Plan:

    • Maturity Benefit: Upon expiry of the policy term, the policyholder is entitled to the cumulative fund value of the policy plus any top-up investments that he or she has made during the period.
    • Loyalty Benefits: Policyholders who continue the plan for a longer duration may receive additional rewards such as:
      • Loyalty Benefits from the sixth policy year onwards
      • Profit Booster every five years, starting from the tenth policy year
      • Loyalty Advantage for regularly paying premiums

These benefits enhance the total fund value over time.

    • Death Benefit: The nominee also has the added advantage that/she will get a financial guarantee in the situation where the policyholder dies upon termination of the policy, the nominee will receive the larger of the fund value and the sum assured, which will support the family.

Riders Under IndiaFirst Wealth Maximiser Plan

The policy has optional riders to provide more protection:

  • Accidental Death Benefit Rider.
  • Permanent and Total Disability Rider.

These riders will provide additional financial coverage in the event of accidents or disability.

Policy Details of the IndiaFirst Wealth Maximiser Plan

The following are the policy details of the IndiaFirst Wealth Maximiser Plan:

  1. Grace Period:

    The plan offers a grace period to ensure the policy does not lapse due to late premium payments. Annual, half-yearly, and quarterly premium modes have a 30-day grace period, whereas the monthly mode has a 15-day grace period. At this period, the policy still persists.

  2. Revival:

    The policy can lapse in case premiums are not paid, even during the grace period. It may, however, be renewed within three years of the date of the initial unpaid premium. The policyholder should pay all outstanding premiums and any other charges required, and adhere to the insurer's terms to revive the policy.

  3. Free Look Period:

    The policyholder has a 30-day period during which he/she may review the terms and conditions of the policy document upon receipt. They have a period to cancel the policy if the policy fails to meet their expectations, and a refund will be made as per the rules.

    Invest in high growth ULIP Plans Invest in high growth ULIP Plans
  4. Surrender:

    The policy may be surrendered upon expiry of the 5-year lock-in period. Upon surrender, the policyholder will receive the fund value (after any applicable charges), and the policy will be terminated in accordance with its terms.

  5. Fund Switching:

    The plan can be flexed to switch between investment funds based on fluctuating financial objectives or market factors. Without any fee, policyholders are also free to switch their funds unlimitedly and therefore manage and optimise their investment portfolio.

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 Wealth Maximiser Plan

Suicidal Clause

If the life assured dies due to suicide within 12 months from policy start or revival, the nominee receives the fund value available on the date of death.

FAQs

  • Can I switch funds during the policy term?

    Yes. The plan allows unlimited fund switches, enabling policyholders to adjust their investments based on market conditions.
  • Are partial withdrawals allowed?

    Partial withdrawals are allowed after completing the five-year lock-in period and once the life assured reaches 18 years of age.
  • Does the plan provide tax benefits?

    Yes. Premiums paid and benefits received may qualify for tax benefits under applicable income tax laws, subject to current regulations.
Ulip Insurer2
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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