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    WEALTH CREATION

    How ULIPs Help You Make Money Easily

    Last Updated On 20-11-2019

    In the policy the investment risk in the investment portfolio is borne by the policyholder

    A Unit Linked Insurance Policy (ULIP) is different from a regular insurance policy and provides the investors benefits of both insurance and investment. A certain chunk of your life insurance investment will be channeled towards insuring your life while the other part will be invested in different plans of your choice on your behalf. ULIPS are dynamic and flexible. Additionally, they also help the investor make more money in the long run. Read on to know how:

    Though many may find ULIPs a little complicated in nature, but the high yield of returns it offers is something an investor cannot ignore. A good plan is the one which comes at a lower cost and offers good returns. It must also provide a proper disclosure in terms of returns and costs with the benefit of good servicing. So, in contrast to mutual funds, ULIPs have a simpler cost structure. It offers policy holders the flexibility to choose fund options and also feature an in-built range of funds that range from aggressive to constructive. One can decide the range they want to choose based on their investment preferences. A unit linked insurance policy also offers the choice of switching between various fund options so that the investor can reap the most benefits from it.

    With Unit Linked Insurance Policy, one can also choose from different levels of risk appetites. On the aggressive side of the graph, the funds are invested usually in equities that improve returns but boost its volatility as well. While on the conservative side, the funds are usually invested in money markets and debts that ensure stable returns and low risk.

    Thus, depending upon their financial capabilities, one can choose to go for a hybrid plan as well

    where a part will be invested in equities and the balance in money markets and debts securities.

    Thus, a ULIP is a must have for someone who is looking for a life insurance along which allows part investment as well.In the Unit linked life insurance product, the Investment Risk in investment portfolio is borne by the Policyholder.

    Disclaimer:

    The aforesaid article presents the view or an independent writer who is an expert on financial and insurance matters. PNB MetLife India Insurance Co. Ltd. doesn’t influence or support views of the writer of the article in any way. The article is informative in nature and PNB MetLife and/ or the writer of the article shall not be responsible for any direct/ indirect loss or liability incurred by the reader for taking any decisions based on the contents and information given in article. Please consult your financial advisor/ insurance advisor/ before making any decision.

    PNB MetLife India Insurance Company Limited, Registered office address: Unit No. 701, 702 & 703, 7th Floor, West Wing, Raheja Towers, 26/27 M G Road, Bangalore -560001, Karnataka.
    IRDAI Registration Number 117. CI No: U66010KA2001PLC028883. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding the sale.
    The marks “PNB” and “MetLife” are registered trademarks of Punjab National Bank and Metropolitan Life Insurance Company, respectively. PNB MetLife India Insurance Company Limited is a licensed user of these marks.
    Call us Toll-free at 1-800-425-6969 Phone: 080-66006969, Website: www.pnbmetlife.com, Email: indiaservice@pnbmetlife.co.in or Write to us: 1st Floor, Techniplex -1, Techniplex Complex, Off Veer Savarkar Flyover, Goregaon (West), Mumbai – 400062, Maharashtra. Phone: +91-22-41790000, Fax: +91-22-41790203

    EC280 LD/2019-20/291

    BEWARE OF SPURIOUS/FRAUD PHONE CALLS!

    • IRDAI is not involved in activities like selling policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

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    Disclaimer:
    The aforesaid article presents the view or an independent writer who is an expert on financial and insurance matters. PNB MetLife India Insurance Co. Ltd. doesn’t influence or support views of the writer of the article in any way. The article is informative in nature and PNB MetLife and/ or the writer of the article shall not be responsible for any direct/ indirect loss or liability incurred by the reader for taking any decisions based on the contents and information given in article. Please consult your financial advisor/ insurance advisor/ before making any decision.

    PNB MetLife India Insurance Company Limited, Registered office address: Unit No. 701, 702 & 703, 7th Floor, West Wing, Raheja Towers, 26/27 M G Road, Bangalore -560001, Karnataka.
    IRDAI Registration Number 117. CI No: U66010KA2001PLC028883. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding the sale.
    The marks “PNB” and “MetLife” are registered trademarks of Punjab National Bank and Metropolitan Life Insurance Company, respectively. PNB MetLife India Insurance Company Limited is a licensed user of these marks.
    Call us Toll-free at 1-800-425-6969. Phone: 080-66006969, Website: www.pnbmetlife.com, Email: indiaservice@pnbmetlife.co.in or Write to us: 1st Floor, Techniplex -1, Techniplex Complex, Off Veer Savarkar Flyover, Goregaon (West), Mumbai – 400062, Maharashtra. Phone: +91-22-41790000, Fax: +91-22-41790203
    EC280 LD/2019-20/291

    BEWARE OF SPURIOUS/FRAUD PHONE CALLS!
    • IRDAI is not involved in activities like selling policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

    Disclaimer

    Collapsed Expanded

    As your trusted life insurance partner, PNB MetLife is with you amidst the current COVID-19 outbreak. Our policies also cover COVID-19 Claims. In case of a Death Claim, kindly submit the signed Claim Intimation Letter mentioning the policy number, brief of the insured event and other claim documents on the email mentioned herewith. Please write-in to us at claimshelpdesk@pnbmetlife.com or indiaservice@pnbmetlife.co.in. You can also call us on 1800-425-6969 for death claims intimations and for any queries on Monday - Saturday between 10:00 am - 7:00 pm.

    PNB MetLife Insurance, amongst the trusted Life Insurance companies in India, aims to provide a wide range of Life Insurance products that suits the needs of an individual at every stage of his life. Life Insurance Plans range from Term Life Insurance PlansTerm PlanProtection PlansLong Term Savings Plans , Retirement Plans & Child Education Plan.

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