ULIP Returns in 35 Years

A 35-year ULIP (Unit Linked Insurance Plan) emerges as an attractive investment option, offering a unique blend of life insurance protection and the potential for substantial market-linked returns.

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

Overview of a ULIP Plan for 35 Years

The 35 Years ULIP Policy is a financial product offered by insurance companies to address the dual needs of insurance and investment. Under this policy, the policyholder pays regular premiums, which are split into two parts: one part goes towards providing life insurance coverage, and the other part is invested in market-linked funds of the policyholder's choice.

The ULIP returns over 35 years depends on the following factors:

  • Invested amount

  • Investment period

  • Maturity period

  • Proportion of sum invested in market-linked funds

Your premiums go into chosen funds, and when they mature, you get returns based on your chosen payout.

ULIPs come with various charges like mortality charges, fund management fees, and surrender charges, which are deducted from the total fund value.

The maturity returns from your investment plan depends on:

  • Market conditions

  • Fund performance

  • Charge impact on your premium for a 35-year ULIP

A 35-year ULIP policy allows you to build a corpus, get life coverage, and earn tax benefits under Section 80C and 10(10D) of the Income Tax Act.

ULIP plan for 35 years also offers you fund-switching flexibility and the chance for high returns.

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Working of a ULIP Plan for 35 Years

You can learn the steps of a 35-year ULIP plan from the steps mentioned below:

  • Policyholder's Contribution: You pay premiums, which are then divided into two parts; one for life coverage and the other for investments.

  • Investment Choices: ULIPs offer various investment fund options such as equity, debt, or a mix of both. You can choose based on your risk tolerance and financial goals.

  • Net Asset Value (NAV): The value of the investment component is represented by the Net Asset Value. NAV is calculated by dividing the total value of the fund's assets by the number of units in circulation.

  • Unit Allocation: Premium payments buy units in the chosen market-linked funds. The number of units allocated depends on the NAV at the time of investment.

  • Market Performance Impact: ULIP returns are influenced by the performance of the chosen funds in the market.

  • Insurance Coverage: A portion of the premium goes towards providing life insurance coverage. Your family receives a death benefit in case of an unfortunate event during the policy term.

  • Lock-In Period: ULIPs usually have a lock-in period of 5 years, during which withdrawal may be subject to charges. A long-term commitment, like 35 years, can provide the benefits of compounding and market fluctuations.

  • Flexibility: ULIPs offer flexibility to switch between funds based on changing financial objectives. This allows you to adapt your investment strategy over the policy term.

  • Maturity and Withdrawal: You receive the fund value after the policy matures. Partial withdrawals may be allowed during the policy term, subject to terms and conditions.

  • Tax Benefits: ULIPs may offer tax benefits on premiums paid and maturity proceeds, providing an additional financial advantage.

  • Monitoring and Review: Regularly monitoring the performance of the chosen funds and reviewing the policy helps in making informed decisions.

Benefits of a ULIP Plan for 35 Years

The key benefits of a 35-year ULIP plan are mentioned in the list below:

  • Wealth Growth: A Unit Linked Insurance Plan offers a unique combo of insurance and investment. Over 35 years, it has the potential to significantly grow your wealth through market-linked returns.

  • Flexibility: ULIPs provide flexibility to switch between investment funds based on market conditions and your risk appetite. This adaptability ensures that your investment strategy aligns with your financial goals over the long term.

  • Tax Advantage: Enjoy tax benefits on both premiums paid and maturity proceeds under Section 80C and Section 10(10D) of the Income Tax Act. This makes ULIPs a tax-efficient option for long-term financial planning.

  • Life Cover: As a life insurance product, ULIPs provide a substantial life cover to protect your family's financial well-being in case of an unfortunate event. This ensures a secure future for your loved ones.

  • Goal-Specific Investing: Tailor your ULIP to meet specific financial goals such as buying a home, funding your child's education, or planning for retirement. This goal-oriented approach helps in disciplined and systematic wealth creation.

  • Partial Withdrawals: During the 35-year tenure, ULIPs allow partial withdrawals, providing liquidity in times of need. This feature ensures that you can access funds for emergencies without compromising your long-term investment strategy.

  • Market Exposure: With a portion of your premiums invested in equity and debt funds, ULIPs expose you to the potential upside of the financial markets, enabling your money to benefit from market growth.

  • Long-Term Horizon Advantage: ULIPs are designed for the long term. By staying invested for 35 years, you can ride out market volatility and potentially benefit from the power of compounding, maximizing returns on your investment.

  • Professional Fund Management: ULIPs are managed by professional fund managers who make investment decisions based on market analysis. This expertise can be advantageous for achieving optimal returns over an extended period.

  • Legacy Planning: In the unfortunate event of the policyholder's demise, ULIPs offer a legacy for beneficiaries. The death benefit, along with the accumulated wealth, ensures that your loved ones are financially secure even in your absence.

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Calculation of ULIP Returns in 35 Years

You can use a ULIP Calculator to estimate the performance of your ULIP plan after a 35 year period. Calculating 35-year ULIP returns involves the following factors: 

  • Investment Amount: The initial premium you'll invest.

  • Investment Tenure: 35 years in this case.

  • Expected Rate of Return: This is an assumption based on historical performance or your risk appetite. 10-12% is a common starting point, but consider adjusting it based on your expectations and risk tolerance.

  • Premium Payment Frequency: Annually, semi-annually, quarterly, or monthly.

  • Age: Your current age, as it affects mortality charges.

  • Fund Type: Choose the fund(s) you intend to invest in (equity, debt, balanced, etc.).

The calculator will provide an estimated maturity value, showing the potential corpus you'll receive after 35 years. You can change the rate of return, fund type, or premium amount to see how it impacts projected returns.

It is important to note that ULIP returns are subject to market risks, and actual returns may vary based on market conditions.

In Conclusion

The performance of ULIPs over a 35-year period demonstrates their potential to generate substantial returns. The unique combination of insurance and investment features allows you to benefit from market growth while ensuring financial protection. However, it is crucial for you to carefully assess your risk tolerance, financial goals, and policy terms before committing to a ULIP, as market fluctuations and other factors can influence returns. 

FAQ's

  • What is the average return of ULIP?

    The average rate of return of ULIP plans over a period ranges between 10 – 22% p.a.
  • Is ULIP good for the long term?

    Whether ULIPs are good for the long term depends on your specific financial situation, goals, and risk tolerance. ULIPs offer a unique combination of insurance and investment components, making them potentially beneficial for those seeking a long-term wealth-building strategy. The extended investment horizon allows for the potential compounding of returns, and the flexibility to switch between fund options caters to changing market conditions.
  • Can ULIPs give higher returns?

    ULIPs have the potential to give higher returns compared to some other investment options:
    • Traditional life insurance plans

    • Fixed Deposit Schemes

    • Public Provident Fund (PPF)

    • Debt Mutual Funds

  • What is the maturity value of ULIP?

    The maturity value depends on several factors, including:
    • Chosen ULIP plan

    • Premium amount

    • Investment tenure

    • Chosen fund options

    • Market performance

    • Policy charges

*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.

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