ULIP Returns in 15 Years

Unit Linked Insurance Plans (ULIPs) have emerged as a popular investment choice among individuals seeking a combination of insurance protection and long-term wealth accumulation. A 15-year ULIP is a financial product that blends investment and insurance over a 15-year period. With regular premium payments, it provides life coverage while allowing you to invest in market-linked funds.

Read more
Best ULIP Plans
  • Guaranteed Tax Savings

    Guaranteed Tax Savings

    Under sec 80C & 10(10D)
  • savings

    ₹1 Crore

    Invest ₹10k Per Month*
  • Zero LTCG Tax

    Zero LTCG Tax

    Unlike 10% in Mutual Funds
We are rated~
rating
6.7 Crore
Registered Consumers
51
Insurance Partners
3.4 Crore
Policies Sold

Top performing plans with High Returns*

Invest ₹10K/month & Get ₹1 Crore returns*

+91
Secure
We don’t spam
Please wait. We Are Processing..
Your personal information is secure with us
Plans available only for people of Indian origin By clicking on "View Plans" you agree to our Privacy Policy and Terms of use #For a 55 year on investment of 20Lacs #Discount offered by insurance company
Get Updates on WhatsApp
We are rated~
rating
6.7 Crore
Registered Consumers
51
Insurance Partners
3.4 Crore
Policies Sold

Top ULIP Funds

ULIP Plans Fund Size  NAV Returns
TATA AIA Top 200 Fund 1,259 Cr ₹130.92 20.25%
TATA AIA Whole Life Mid Cap Equity Fund 10,158 Cr ₹112.98 21.46%
ICICI Pru Multi Cap Balanced Fund 2,037 Cr ₹34.46 10.59%
HDFC Life Opportunities Fund 31,393 Cr ₹57.85 18.59%

What is the 15 Years ULIP Policy?

A 15-year ULIP (unit-linked insurance plan) is a type of investment plan that combines the benefits of insurance and investment. It provides life insurance coverage for a period of 15 years, and it also allows you to invest in a variety of market-linked funds. This means that your investment returns will be linked to the performance of the stock market. 

Regular premium payments, which can be made on a monthly, quarterly, or annual basis are split into insurance coverage and investment in market-linked funds. A portion covers the insurance company's charges, providing life coverage, while the remainder is invested in different market-linked funds. Although the insurance company manages the investments, you have the flexibility to choose funds based on your risk appetite.

Top ULIP Funds
Fund Name
AUM
Returns (in %)
3 Year
5 Year
10 Year
1,539 Cr
Returns
25.81%
Returns
27.49%
Highest Returns
Returns
21.65%
Get Details
2,597 Cr
Returns
24.47%
Highest Returns
Returns
23.35%
Returns
19.37%
Get Details
2,120 Cr
Returns
21.79%
Highest Returns
Returns
19.59%
Returns
18.46%
Get Details
931 Cr
Returns
17.41%
Returns
18.75%
Highest Returns
Returns
18.22%
Get Details
6,032 Cr
Returns
18.6%
Highest Returns
Returns
17.6%
Returns
17.82%
Get Details
Fund Name
AUM
Returns (in %)
3 Year
5 Year
10 Year
11,524 Cr
Returns
23.12%
Returns
23.47%
Highest Returns
Returns
22.51%
Get Details
1,278 Cr
Returns
30.3%
Highest Returns
Returns
23.72%
Returns
21.48%
Get Details
3,999 Cr
Returns
25.01%
Highest Returns
Returns
21.37%
Returns
21.09%
Get Details
5,754 Cr
Returns
23.44%
Highest Returns
Returns
19.51%
Returns
20.39%
Get Details
4,690 Cr
Returns
28.29%
Highest Returns
Returns
26.79%
Returns
20.21%
Get Details
Fund Name
AUM
Returns (in %)
3 Year
5 Year
10 Year
226 Cr
Returns
13.03%
Returns
14.84%
Highest Returns
Returns
13.4%
Get Details
328 Cr
Returns
11.53%
Returns
12.59%
Highest Returns
Returns
12.55%
Get Details
528 Cr
Returns
9.39%
Returns
11.13%
Returns
11.54%
Highest Returns
Get Details
796 Cr
Returns
11.86%
Returns
12.37%
Highest Returns
Returns
11.54%
Get Details
22 Cr
Returns
11.68%
Returns
12.17%
Highest Returns
Returns
11.37%
Get Details
Fund Name
AUM
Returns (in %)
3 Year
5 Year
10 Year
478 Cr
Returns
18.54%
Highest Returns
Returns
17.53%
Returns
16.83%
Get Details
247 Cr
Returns
6.69%
Returns
8.41%
Returns
9.45%
Highest Returns
Get Details
776 Cr
Returns
5.24%
Returns
7.37%
Returns
8.4%
Highest Returns
Get Details
294 Cr
Returns
5.66%
Returns
7.27%
Returns
8.28%
Highest Returns
Get Details
446 Cr
Returns
5.24%
Returns
7.77%
Returns
8.21%
Highest Returns
Get Details

How Does 15 Years ULIP Policy Work?

When you purchase a 15-year ULIP policy, you will be required to pay a premium. This premium will be split into two parts: one part will be used to provide you with life insurance coverage, and the other part will be invested in market-linked funds.

The amount of life insurance coverage that you receive will depend on the policy you choose. You will also be able to choose the funds that your money is invested in. There are a variety of funds to choose from, with different levels of risk and return.

Example:

Consider Priya investing in a 15-year ULIP with an annual premium of Rs. 50,000. The premium is split: Rs. 10,000 for life coverage, and Rs. 40,000 for investment in market-linked funds. The insurer manages the investment, but Priya can choose funds based on her risk preference. Over the 15-year period, the policy provides life coverage and potential returns from market-linked investments. This dynamic interplay of insurance and investment defines the functioning of Priya's 15-year ULIP policy.

Why Should You Choose a 15-Year ULIP Policy?

  • Market-Linked Returns: By investing in market-linked debt and equity instruments, a 15-year ULIP offers the potential for high returns. This dynamic approach allows you to align your investments with your financial goals.

  • Flexibility: ULIPs provide unparalleled flexibility. You can customize the sum assured and select investment avenues based on your risk appetite. Most plans allow fund switches, enabling you to optimize your portfolio in response to market fluctuations. It's essential to be mindful of the limitations on the number of changes allowed by some insurance companies when selecting a plan.

  • Tax Benefits: A 15-year ULIP comes with attractive tax benefits. The amount invested qualifies for deductions under Section 80C of the Income Tax Act, 1961. Additionally, the proceeds from surrender, partial withdrawal, or maturity of a ULIP are exempt from tax under Section 10(10D), provided the premium payable for any year during the policy term does not exceed 10% of the death sum assured.

    Furthermore, for policies issued after February 1, 2021, tax exemption on maturity proceeds is contingent on the premium paid in any year not exceeding Rs. 2,50,000. Exemption under Section 10(10D) applies only to policies with an aggregate premium not exceeding Rs. 2,50,000 in any given year. Any income from policies exceeding this limit will be chargeable as capital gains. Importantly, death proceeds from all ULIP plans remain exempt from tax.

  • Life Coverage: With a 15-year ULIP, you ensure financial security for your loved ones in the event of any unforeseen circumstances, offering stability and support.

  • Long-term Investment: Opting for a 15-year horizon allows your money more time to grow, leading to superior returns compared to shorter durations. This extended investment period not only fosters financial discipline but also facilitates the achievement of long-term financial goals.

How are Return Rates Calculated on 15 Years ULIP Policy?

The return rates of a 15-year ULIP are determined by the fund performance, with daily calculation of the Net Asset Value (NAV). Returns are based on the change in NAV, obtained by multiplying the fund's value by your held units. Market and economic conditions, along with fund management, influence NAV. Additionally, consider insurance company fees, covering administration, mortality, and fund management charges, when calculating returns. A 15-year ULIP facilitates investment in equity and debt funds, combining wealth accumulation with life insurance coverage for your family's financial security. Evaluate your risk tolerance, investment objectives, and financial position before selecting a suitable ULIP for your goals.

FAQ's

  • Can ULIPs give higher returns?

    ULIPs have the potential to give higher returns than traditional insurance products, but they also carry more risk. The returns on ULIPs are linked to the performance of the market, so they can go up or down.
  • Is ULIP a good investment for the long term?

    ULIPs can be a good investment for long-term goals, such as retirement or children's education. This is because ULIPs allow you to invest in a variety of asset classes, such as equity, debt, and money market funds, which can help you grow your wealth over time. 
  • Is ULIP good or bad?

    Whether or not ULIPs are a good or bad investment depends on your individual circumstances and risk tolerance. If you are willing to take on more risk in exchange for the potential for higher returns, then ULIPs may be a good option for you.

*All savings are provided by the insurer as per the IRDAI approved insurance plan.
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
^Tax benefit are for Investments made up to Rs.2.5 L/ yr.
+Returns Since Inception of LIC Growth Fund
~Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.

Grow your wealth & meet your Financial goals

Systematically Invest in high growth plans with returns upto 18%*
View plans
Standard T & C Apply*
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Invest More Get More!
You Get
₹1 Crores*
You Invest
₹10K/month
You Get
₹80 Lakhs*
You Invest
₹8K/month
You Get
₹50 Lakhs*
You Invest
₹5K/month
capital guarantee
Investment Calculator
  • One time
  • Monthly
/ Year
Sensex has given 10% return from 2010 - 2020
You invest
You get
View plans

Ulip plans articles

Recent Articles
Popular Articles
ICICI Pru Midcap 150 Momentum 50 Index Fund

31 Jan 2024

ICICI Prudential Life is launching an open-ended New Fund
Read more
ULIP Plan Riders

17 Jan 2024

ULIP or Unit Linked Insurance Plans provide rider benefits. They
Read more
ULIP Returns in 40 Years

08 Jan 2024

Estimating the ULIP returns over 40 years offers a unique
Read more
ULIP Returns in 35 Years

04 Jan 2024

A 35-year ULIP (Unit Linked Insurance Plan) emerges as an
Read more
ULIP Returns in 30 Years

03 Jan 2024

A 30-year ULIP (Unit Linked Insurance Plan) is a type of
Read more
ULIP Calculator
A ULIP Calculator is a financial tool designed to help you compare ULIP plans and estimate the maturity amount
Read more
ICICI Pru Midcap 150 Momentum 50 Index Fund
ICICI Prudential Life is launching an open-ended New Fund Offering (NFO) ICICI Prudential Life Midcap 150
Read more
7 Things to Know About the Tax Benefits of ULIPs
Nowadays, Unit Linked Insurance Plans, i.e., ULIPs, have evolved as the popular income tax saving investment
Read more
SBI Life Smart Privilege Plan: Benefits & Features
SBI Life Smart Privilege is a unit-linked, non-participating life insurance plan offered by SBI Life Insurance
Read more
11 ULIP Charges You Should Know About
Unit-Linked Insurance plan (ULIP) offers dual benefits of insurance and investment. Unlike traditional insurance
Read more

top

Become a Crorepati

Invest ₹10K/Month & Get ₹1 Crore returns*

Mobile +91
*T&C Applied.
Close
Download the Policybazaar app
to manage all your insurance needs.
INSTALL