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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ULIP Plans

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  • Plans delivering up to 18% CAGR
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  • 15.8 Crore Registered Consumer
  • 53 Partners Insurance Partners
  • 7.16 Crore Policies Sold
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15.8 Crore
Registered Consumer
53
Insurance Partners
7.16 Crore
Policies Sold

List of ULIP Funds ~
Fund Name
AUM
Returns (in %)
3 Year
5 Year
10 Year
64,561 Cr
Returns
17.5%
Highest Returns
Returns
16.05%
Returns
16.46%
Get Details
35,606 Cr
Returns
13.72%
Highest Returns
Returns
12.62%
Returns
13.49%
Get Details
15,248 Cr
Returns
19.66%
Returns
20.2%
Highest Returns
Returns
19.8%
Get Details
25 Cr
Returns
-
Returns
22.9%
Highest Returns
Returns
15.6%
Get Details
11,764 Cr
Returns
15.2%
Returns
15.13%
Returns
19.74%
Highest Returns
Get Details
5,823 Cr
Returns
13.37%
Highest Returns
Returns
12.36%
Returns
13.21%
Get Details
6,068 Cr
Returns
16.08%
Highest Returns
Returns
15.77%
Returns
14.99%
Get Details
5,200 Cr
Returns
12.91%
Returns
11.69%
Returns
13.14%
Highest Returns
Get Details
3,273 Cr
Returns
10.79%
Returns
10.46%
Returns
14.66%
Highest Returns
Get Details
3,152 Cr
Returns
7.84%
Returns
7.37%
Returns
9.24%
Highest Returns
Get Details
1,462 Cr
Returns
6.21%
Returns
6.56%
Returns
9.09%
Highest Returns
Get Details
1,105 Cr
Returns
12.46%
Returns
11.05%
Returns
13.88%
Highest Returns
Get Details
517 Cr
Returns
9.36%
Returns
8.17%
Returns
10.59%
Highest Returns
Get Details
147 Cr
Returns
9.71%
Returns
10.58%
Returns
12.61%
Highest Returns
Get Details
5 Cr
Returns
7.11%
Returns
7.17%
Returns
9.76%
Highest Returns
Get Details
209 Cr
Returns
11.16%
Returns
11.37%
Returns
12.56%
Highest Returns
Get Details
0 Cr
Returns
11.07%
Highest Returns
Returns
9.12%
Returns
10.41%
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 ₹23.07 ₹9 Cr 5.62% -
IndiaFirst Flexi Cap Equity Fund ₹19.02 ₹234 Cr - -
IndiaFirst Sustainable Equity Fund ₹15.7 ₹21 Cr - -
IndiaFirst Equity Elite Opportunities Fund ₹27.7 ₹157 Cr 8.51% -
IndiaFirst Equity Pension ₹57.66 ₹10 Cr 11.07% 12.09%
IndiaFirst Balanced Pension ₹45.61 ₹3 Cr 8.88% 10.23%
IndiaFirst Debt Pension ₹28.41 ₹1 Cr 5.57% 5.43%
IndiaFirst Equity ₹53.52 ₹20 Cr 10.26% 11.38%
IndiaFirst Balanced ₹42.51 ₹9 Cr 8.42% 9.61%
IndiaFirst Debt ₹29.42 ₹1 Cr 5.98% 5.66%
IndiaFirst Equity 1 ₹48.54 ₹5199 Cr 9.76% 11.63%
IndiaFirst Debt 1 ₹25.94 ₹1812 Cr 5.34% 4.79%
IndiaFirst Balanced 1 ₹37.68 ₹303 Cr 8.1% 9.16%
IndiaFirst Index Tracker ₹40.59 ₹35 Cr 7.59% 10.63%
IndiaFirst Value ₹52.64 ₹278 Cr 9.84% 11.66%
IndiaFirst Dynamic Asset Allocation ₹38.81 ₹315 Cr 7.24% 7.25%
IndiaFirst Bond Fund ₹28.58 ₹249 Cr 5.44% 5.57%
IndiaFirst Equity Advantage Fund ₹53.09 ₹142 Cr 9.72% 11.72%
IndiaFirst Macro Trends Fund ₹9.76 ₹14 Cr - -
IndiaFirst Multi Cap Equity Fund ₹10.77 ₹106 Cr - -
IndiaFirst Large Cap Equity Fund ₹11.11 ₹144 Cr - -
IndiaFirst Pension Debt Fund ₹10.41 ₹3 Cr - -
IndiaFirst Pension Equity Fund ₹10.58 ₹106 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.
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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 1216 Reviews)

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IndiaFirst ULIP Plans Reviews & Ratings

4.6 / 5 (Based on 1216 Reviews)
(Showing Newest 10 reviews)
Venkat
Siliguri, August 05, 2026
Smart Savings Smart Choice
Reliance Nippon Life Smart Savings Insurance Plan purchased through PolicyBazaar is a smart choice for long term savings. The plan features are comprehensive ensuring financial security. Kudos to PolicyBazaar for their impressive service.
Meera
Jamshedpur, August 04, 2026
Optimizing Wealth Optimizing Future
Opting for Kotak Mahindra Wealth Optimise through PolicyBazaar was a strategic choice. The plans features are exceptional providing a diverse range of investment options. PolicyBazaars service exceeded my expectations.
Prakash
Cuttack, August 03, 2026
Wealth Accumulation Simplified
SBI Life Smart Wealth Builder made easy by PolicyBazaar gives you easy way to make more money. The plan has strong stuff keeping your future safe. PolicyBazaar did very good service.
Shalini
Ranchi, August 02, 2026
PolicyBazaar Setting the Standard for Service
PolicyBazaars service set a high standard. Their teams knowledge and assistance in choosing the right ULIP plan were exemplary. A top notch experience overall.
Sumit
Pune, July 24, 2026
A Click to Secure Future
HDFC Life Click two Invest bought through PolicyBazaar provides a secure investment avenue. The plan features are comprehensive and user friendly. PolicyBazaar service was commendable throughout.
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.


˜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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