ULIP Returns in 30 Years

A 30-year ULIP (Unit Linked Insurance Plan) is a type of investment plan that combines life insurance and investment options for 30 years. When you purchase a 30-year ULIP policy, you agree to pay regular premiums for 30 years. In return, the insurance company provides you with life insurance coverage and invests your premiums in market-linked funds.

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58.9 Million
Registered Consumer
51
Insurance Partners
26.4 Million
Policies Sold

Top ULIP Funds
Fund Name
AUM
Returns (in %)
3 Year
5 Year
10 Year
11,839 Cr
Returns
21.83%
Returns
23.81%
Highest Returns
Returns
19.95%
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1,772 Cr
Returns
23.15%
Returns
27.3%
Highest Returns
Returns
19.47%
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6,136 Cr
Returns
26.84%
Returns
27.87%
Highest Returns
Returns
18.81%
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2,984 Cr
Returns
21.78%
Returns
23.76%
Highest Returns
Returns
17.76%
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4,172 Cr
Returns
21.74%
Highest Returns
Returns
20%
Returns
17.43%
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Fund Name
AUM
Returns (in %)
3 Year
5 Year
10 Year
247 Cr
Returns
11.88%
Returns
13.92%
Highest Returns
Returns
11.99%
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352 Cr
Returns
12.26%
Returns
12.56%
Highest Returns
Returns
11.38%
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526 Cr
Returns
9.79%
Returns
10.72%
Highest Returns
Returns
10.34%
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837 Cr
Returns
11.67%
Returns
11.81%
Highest Returns
Returns
10.23%
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22 Cr
Returns
12.6%
Highest Returns
Returns
11.89%
Returns
10.17%
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Fund Name
AUM
Returns (in %)
3 Year
5 Year
10 Year
494 Cr
Returns
16.43%
Returns
17.28%
Highest Returns
Returns
15.3%
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242 Cr
Returns
6.94%
Returns
7.91%
Returns
8.81%
Highest Returns
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786 Cr
Returns
5.4%
Returns
6.88%
Returns
8.1%
Highest Returns
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302 Cr
Returns
5.86%
Returns
6.8%
Returns
7.79%
Highest Returns
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465 Cr
Returns
5.1%
Returns
6.93%
Returns
7.78%
Highest Returns
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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 30-Year ULIP Policy?

A 30-year ULIP policy is a financial product that combines insurance and investment components for an extended period. In this investment plan, policyholders commit to paying premiums over a 30-year duration. The premium is divided into two parts: one allocated to investment in various funds based on the policyholder's preferences, offering the potential for wealth creation, and the other designated for life coverage. The insurance aspect provides a safety net for the policyholder's family in the event of an untimely demise during the policy term, ensuring they receive a death benefit. 

This long-term policy structure aligns with extended financial planning, allowing policyholders to navigate market fluctuations, benefit from compounding, and build substantial wealth. At the end of the 30-year term, policyholders receive maturity benefits, including the accumulated value of the investment component. 

Why Should You Choose a 30-Year ULIP Policy?

A 30-year ULIP can be a strategic choice if you're considering a long-term investment. Here's why:

  1. Market-Linked Returns:

    • ULIPs offer market-linked returns on debt and equity fund investments, providing higher returns than traditional savings.

  2. Flexibility:

    • Investors can choose and adjust their fund portfolio to leverage market fluctuations.

    • Note: Some plans may have restrictions on the number of switches.

  3. Tax Benefits:

    • Tax deductions under Section 80C for invested amounts.

    • Exemption on surrender, partial withdrawal, and maturity proceeds under Section 10(10D).

    • Tax-free death proceeds for all ULIP plans.

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  4. Life Coverage:

    • ULIP policies provide life coverage, ensuring a financial safety net for loved ones.

  5. Long-Term Investment:

    • Longer tenure (30 years) enhances ULIP returns, aligning with long-term financial goals.

  6. Partial Withdrawals:

    • Policyholders can make partial withdrawals from accumulated funds during financial emergencies.

How Does 30 Years ULIP Policy Work?

Let’s understand the working of ULIP Policy with the help of an example:

Supriya, a 30-year-old woman, purchases a 30-year ULIP policy with a sum assured of Rs. 10 lakhs. She agrees to pay an annual premium of Rs. 50,000.

The insurance company will split her premium into two parts:

  • Insurance premium: This part of your premium goes towards providing you with life insurance coverage. The insurance premium amount will depend on your age, gender, and health status.

  • Investment premium: This part of your premium is invested in market-linked large-cap, small-cap, mid-cap and flexi-cap funds of your choice. The value of your investment will grow or fall depending on the performance of the underlying funds.

Let's say she chooses to invest her premiums in a growth fund. The growth fund has an average annual return of 10%. After 30 years, her investment will be worth approximately Rs. 44 lakhs.

How are Return Rates Calculated on 30 Years ULIP Policy?

The returns you get from a 30-year ULIP policy depend on various factors like your age, chosen premium, sum assured, and the investment funds you pick. Your premium is split between life cover and investments, and the returns are linked to how well the market funds perform. This policy is a way to build wealth over the long term and provide life coverage. Before you choose a plan, it's important to consider how much risk you're comfortable with and your goals. It's also a good idea to regularly check your plan's terms and consider adding extra protection with riders.

FAQ's

  • What is the potential range of returns for a 30-year ULIP investment?

    The potential range of returns for a 30-year ULIP investment is quite wide, ranging from negative returns to returns of over 20% per annum. The actual returns you receive will depend on a number of factors, including the specific plan you choose, the performance of the underlying funds, and the overall market conditions.
  • How can I maximise my ULIP returns over 30 years?

    There are a number of things you can do to maximise your ULIP returns over 30 years, including:
    • Choosing a plan with a long-term investment horizon

    • Investing in a diversified portfolio of funds

    • Rebalancing your portfolio regularly

    • Taking advantage of tax benefits

  • Is a 30-year ULIP policy a good investment for me?

    Whether or not a 30-year ULIP policy is a good investment for you depends on your circumstances and financial goals. If you are a long-term investor with a moderate risk appetite, a 30-year ULIP policy could 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
^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.
+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.

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Insurers Offering ULIPs

Tata AIA

Aditya Birla Sun Life

Bajaj Allianz

Max Life

HDFC Life

ICICI Prudential

Bharti AXA Life

Edelweiss Life

Kotak Life

Future Generali

PNB MetLife

SBI Life

Aviva

Bandhan Life

Canara HSBC

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IndiaFirst

Pramerica Life

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Sahara Life

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