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.
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
| 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.
Here are the key features of the plan:
Below are the benefits of IndiaFirst Wealth Maximiser Plan:
These benefits enhance the total fund value over time.
The policy has optional riders to provide more protection:
These riders will provide additional financial coverage in the event of accidents or disability.
The following are the policy details of the IndiaFirst Wealth Maximiser Plan:
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.
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.
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.
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.
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 |
AUM |
5 Yr Returns |
10 Yr Returns | |
|---|---|---|---|---|---|
| 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 | - | - |
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.

˜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
*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