Ulip Insurance

1
Ulip Insurance
2
ULIP - Appetite Factor Rating
3

• Do you have an appetite for adventure when it
  comes to investments, do you love taking risks?
  If yes! Then here is a news flash for you Let's
  start with the good news - the higher the risk
  the higher the return! Now for the bad news -
  higher risk can also mean no return or negative
  return!

4

• What a damper! Certainly spoils an
  honest-to-goodness hard-working family-man's
  appetite for high risk investments. When starting
  life as a responsible adult (usually happens once
  you get married and have kids to support), the
  first responsible thing to do is financial
  planning. And the first lesson you learn (as a
  layman in financial matters) under this subject
  is how to make your money grow, the second lesson
  tells you all about the instruments of investment
  that can be used to grow the money - and last but
  not the least, one learns about how to decide on
  the right investment instrument with the aid of
  the wealth pyramid. In this article we will
  analyze the Ulip Insurance and ELSSs based on the
  wealth pyramid theory, in order to rate the
  'appetite for risk' required for investing in
  either of these schemes.

5

• The Wealth Pyramid
• A wealth pyramid goes a long way in helping you
  to keep your appetite for risk in check. A
  time-tested concept in the investment arena the
  wealth pyramid positions common investment
  instruments according to the returns they offer.
  The pyramid base always indicates the most stable
  investments that translate to lower returns,
  whereas, the pinnacle of the pyramid denotes the
  highest risk investments that may either deliver
  the highest returns or no returns.
• So when in doubt, use the pyramid model to
  discern between a stable verses risky, investment
  instrument.

6

• ULIP Pyramid Score
• ULIP stands for unit-linked insurance plans,
  these offer investment units, e.g. mutual funds
  etc. plus life insurance coverage to the
  investors. Under this plan you have to pay a
  fixed amount every year (monthly, quarterly,
  half-yearly or annually) for at least the first
  three years of the policy. Part of the premium
  you pay will go towards administration charges
  the rest will be invested in assets like
  equities/ debt, etc. as per your choice.

7

• Ulip Insurance also allows the investor to move
  money from high-risk equities to debts or vice
  versa, anytime during the policy's continuation.
  Moreover some insurance companies also offer
  ULIPs with a capital guarantee that shields the
  investor's premium in case of a market slide. And
  let's not forget the tax benefits under Section
  80C just another plus for the ULIP. As a result
  of all these stability / safety factors, ULIP
  returns are on the lower side. This places ULIP
  firmly at the middle of the Wealth Pyramid.
• Source-http//bit.ly/2sU4KJY

8
https//www.bajajallianzlife.com/ulip/ulip.jsp
Follow us on
https//www.facebook.com/bajajallianzlifeinsurance
ltd
https//www.linkedin.com/company/bajaj-allianz-lif
e-insurance-co-ltd-
http//plus.google.com/bajajallianz/posts
https//twitter.com/bajajallianzLIC
https//www.youtube.com/user/jiyobefikar
https//instagram.com/bajajallianzlifeinsurance
Thank You