ULIP | Compare Across Top Insurers

ULIP Plans, Compared Honestly

Modern ULIPs have lower charges than older versions, but they still differ a lot across insurers. We compare charges, fund performance, loyalty additions and flexibility, and show how a ULIP compares with mutual funds for your goal.

Get quotes from top insurers, as per your need.

Who it suits

Long-term investors comfortable with market risk
Parents planning education with premium waiver
Investors who want fund switching without tax on each switch

Common mistakes

Exiting early and losing value
Choosing funds that do not match your risk level
Comparing with mutual funds without counting cover and charges

What we check

Total charges
Fund choice and past consistency
Premium waiver and cover
Tax treatment as per current rules

Watch: Detailed Video Explanations

ULIP Plans Compared: full playlist on YouTube

Frequently asked questions

Are ULIP returns guaranteed?

No. ULIP returns depend on the market performance of the chosen funds.

Is ULIP maturity tax-free?

It depends on the premium and issue date. For ULIPs issued on or after 1 February 2021, maturity can be taxable if the total yearly premium is above ₹2.5 lakh. We check this for your case.