All you want to know about Unit Linked Insurance Plan

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Best Ulip Insurance Plan
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All you want to know about Unit Linked Insurance
Plan
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All you want to know about Unit Linked Insurance
Plan Unit Linked Insurance Plans (ULIPs) are a
category of goal-based financial solutions that
offer dual benefits of protection and Investment.
Your Unit linked Insurance Plan is linked to the
capital market and offers you flexibility to
invest your units in equity or debt funds
depending upon your risk appetite. ULIPs are
typically bought for long term capital gains and
offer a protection cover too. Though much has
been written about ULIPs in the past, a lot has
also changed for better. In 2010 the IRDA issued
new guidelines for ULIPs in order to improve the
returns for investors by reducing charges and to
ensure that the new product is sold and bought as
a long-term protection and savings tool. For
last few years the demand for traditional
insurance plans has considerably gone up
overshadowing the ULIPs. Let me bring back the
focus on what a new Best ULIP Insurance Plan is
all about and whats in it for you as a customer.
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• WHAT MAKES ULIP A BETTER INVESTMENT PRODUCT?
• Avoid everyday hassle of managing stocks  Invest
  in ULIP which provides you
• Expert fund management
• Multiple fund options You can choose the type
  of fund in which premiums will be invested.
• Different Investment strategies like opportunist
  and Balanced approach
• 2. Adapt your portfolio , dont toggle it  ULIPs
  allow you to shift your money from one fund to
  another without disturbing your long term
  financial plan
• Fund Switching  Shift your funds from equity
  funds to debt funds or vice-versa
• Premium Redirection Re-direct your future
  premiums to any fund of your choice while keeping
  your existing fund composition intact.

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Premium Redirection Re-direct your future
premiums to any fund of your choice while keeping
your existing fund composition intact. Partial
Withdrawal ULIPs provide flexibility to its
policyholders to partially withdraw some amount
of money from his own accumulated Fund Value
before the policy tenure is over. WHAT ARE THE
UNIQUE FEATURES THAT IT OFFERS TO
CUSTOMERS? Investment and Insurance coverIts a
two-in-one plan in terms of giving an individual
the twin benefits of life insurance and investment
. Multiple investment optionsYou can invest in
multiple fund options based on your life stage
needs and risk profile. Transparency and tax
benefitsYou know what is the amount you are
paying for the various benefits and you will also
get tax benefits under section 80 C 10(10D) as
per prevailing tax laws.
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BUSTING THE MYTHS ULIPs are expensive Charges
are capped by IRDA regulation since Sept 2010 .In
simple words, overall charges cannot exceed the
prescribed limit set by the regulator -the net
reduction in yield cannot be more than 3 for a
10 year term policy. This reduction in yield
includes all charges except mortality and
morbidity charges. Even fund management charges
(FMC) are capped at 1.35 . This capping of
charges ensures a reasonable value proposition
for the customers. ULIPS offer low
returns There are several factors that enable
the investor to get a good return Invest for
long terms ULIP offered by Life insurance
companies are the only long term avenues for
investing in disciplined manner, along with
valuable life cover. Your choice for funds and
judicious switching, redirection of
funds/premiums will ensure that the fund growth
is healthy. We have observed that following these
tips help the customer lock in good returns upon
maturity.
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To know more on Best Ulip Insurance Plan
https//www.bajajallianz.com/Corp/ulip-plans/ulip
.jsp
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