IndusInd Nippon Life Premier Wealth Insurance Plan

The IndusInd Nippon Life Premier Wealth Insurance Plan is a life insurance plan that focuses on wealth generation in terms of saving but at the same time remains financially safe. It is an integrated mix of investment opportunities related to the market and life insurance, making it favourable for long-term financial planning. Among the plans are the wealth boosters, which reward policyholders by keeping them invested and building a stronger corpus in the long term.

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  • 13.2 Crore Registered Consumer
  • 53 Partners Insurance Partners
  • 6.29 Crore Policies Sold
Top performing plans˜ with High Returns**
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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 IndusInd Nippon Life Premier Wealth Insurance Plan

Criteria Minimum Maximum
Age At Entry 30 days 60 years
Age At Maturity 18 years 70 years
Policy Term 10 years 30 years
Premium Payment Term 5 years Equal to Policy Term
Annual Premium ₹2,00,000 No limit
Top-Up Premium ₹10,000 As per policy rules
Premium Payment Mode Yearly, Half-Yearly, Quarterly, Monthly

Features of the IndusInd Nippon Life Premier Wealth Insurance Plan

Some of the key features of the IndusInd Nippon Life Premier Wealth Insurance Plan include:

  • This plan offers both self-managed and auto-managed investment options, giving you the flexibility to control or automate your portfolio.
  • It allows you to switch between funds depending on your financial goals and market outlook.
  • Wealth boosters are added from the eighth policy year onwards, helping enhance your fund value over time.
  • You can choose from multiple premium payment options such as single pay, limited pay, or regular pay.
  • The plan offers liquidity through partial withdrawals after completing five policy years.
  • It also provides life insurance cover to ensure financial protection for your family.

If you want to explore more options from the same insurer, you can check other plans offered under Reliance Life Investment Plans to compare features and benefits.

Benefits of the IndusInd Nippon Life Premier Wealth Insurance Plan

The IndusInd Nippon Life Premier Wealth Insurance Plan is an investment-growth and protection plan suited for long-term financial planning.

  • Maturity Benefit: When the policy period is complete, you will receive the amount of money that you invested in the policy and some interest that has been added to your investment.
  • Death Benefit: According to the policy, the nominee receives the sum paid in case of the policyholder's death within the policy term as per the highest of the sum assured, fund value or the 105% of the sum paid in premiums as stipulated by the policy.
  • Wealth Creation: Market-linked returns, along with wealth boosters, help build a larger corpus over time.
  • Flexibility: You can switch funds, redirect premiums, and adjust your investment strategy as your needs change.
  • Tax Benefits: Premiums paid and benefits received may be eligible for tax benefits as per applicable laws.

Policy Details of the IndusInd Nippon Life Premier Wealth Insurance Plan

Understanding policy terms can help you make better financial decisions.

  1. Grace Period

    A grace period allows payment of missed premiums without losing policy benefits.

  2. Revival

    By paying all outstanding premiums, the policy can be reinstated within a specified period.

  3. Free Look Period

    The policy will give you 15 days (30 days in the case of distance marketing) to review the policy and withdraw it in case you feel dissatisfied.

    Invest more and Get more with ULIP Plan Invest more and Get more with ULIP Plan
  4. Surrender

    The plan allows a 5-year lock-in, meaning they cannot surrender or make withdrawals.

  5. Fund Switching

    You can switch between available funds multiple times during the policy term, subject to limits.

    You can also review the investment plans available in the market to choose one that aligns with your long-term financial goals.

Fund Name NAV sort icon AUM sort icon 5 Yr Returns sort icon 10 Yr Returns sort icon
Bandhan Life Debt Fund ₹39.39 ₹91 Cr 5.14% 6.58%
Bandhan Life Secure Fund ₹28.49 ₹50 Cr 5.07% 4.57%
Bandhan Life Blue Chip Equity Fund ₹30.7 ₹192 Cr 11.13% 11.46%
Bandhan Life Stable Fund ₹32.62 ₹15 Cr 7.26% 8.85%
Bandhan Life Accelerator Fund ₹47.79 ₹206 Cr 13.02% 13.08%
Bandhan Life Opportunity Fund ₹39.87 ₹225 Cr 17.28% -
Bandhan Life Pension Debt Fund ₹31.36 ₹4 Cr 5% 6.39%
Bandhan Life Pension Enhanced Equity ₹112.47 ₹16 Cr 13.3% 12.94%
Bandhan Life Pension Nifty 500 Momentum Quality 50 Index Fund ₹9.93 ₹3 Cr - -
Aegon Balanced ₹44.79 ₹12 Cr 7.59% 9.06%
Aegon Enhanced Equity ₹69.69 ₹110 Cr 13.08% 12.74%
Aegon Pension Balanced ₹51.18 ₹2 Cr 8.41% 9.55%
Aegon Pension Index ₹85.74 ₹6 Cr 8.58% 10.9%
Aegon Pension Secure ₹28.35 ₹1 Cr 4.46% 4.97%
Aegon Life Group Equity Fund ₹59.88 ₹13 Cr 14.03% -
Bandhan Life Flexi Cap Fund ₹11.17 ₹85 Cr - -
Bandhan Life Mid Cap Fund ₹10.17 ₹71 Cr - -
See more plans

Exclusions Under the IndusInd Nippon Life Premier Wealth Insurance Plan

  • Suicidal Cover: If death occurs due to suicide within 12 months from policy commencement or revival, benefits will be paid as per policy terms.

FAQs

  • Does the IndusInd Nippon Life Premier Wealth Insurance Plan have a lock-in period?

    Yes, there is a five-year lock-in required of the plan. In the process, it will be impossible to withdraw from or completely give up your investment.
  • What are the boosters of wealth in this plan?

    Additional units in your fund in the 8th policy year are the Wealth boosters, which add to your investment value.
  • What will become of me if I begin not to pay premiums?

    Failure to pay premiums during the grace period will result in the policy being placed in discontinued status. You can always choose to revive the policy for a specified period.
  • Who should consider this plan?

    This plan is applicable to those who would want to accumulate wealth long-term, as well as include life insurance and the ability to flex investments.
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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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Reliance Life 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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