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Grow Wealth &
Protect Your Future
With Smart ULIPs

India's most trusted platform to compare Unit Linked Insurance Plans from 10+ leading insurers. Expert advice, accurate projections, zero commission.

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10-Year ULIP Growth

Live Estimate

Rs.28.7 Lakh

On Rs.5,000/month at 14% p.a. returns

ICICI Pru Equity Fund+22.4%

Tata AIA Growth Fund+19.8%

Max Life Flexi Cap+18.5%

SBI Life Equity Fund+16.2%

Tax Saved Rs.46,800/yr

5 Year Lock-in

Free Switching

IRDAI Approved

Our Partners

Compare Top ULIP Plans From
India's Leading Insurers

We've partnered with India's most trusted life insurance companies. Compare plans, returns and features to choose what fits your goals best.

PNB MetLife India Insurance

📈 10% - 18% p.a. Returns

PNB MetLife combines the trust of Punjab National Bank with MetLife global expertise to offer top-performing ULIP plans.

Flexible fund options
Tax benefits u/s 80C & 10(10D)
Life cover + investment

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Bajaj Allianz Life Insurance

📈 10% - 20% p.a. Returns

Bajaj Allianz ULIP plans offer market-linked returns with strong fund management and flexible policy options.

Multiple fund choices
Loyalty additions
Partial withdrawal facility

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⭐ Popular

Max Life Insurance

📈 12% - 22% p.a. Returns

Max Life ULIP plans are designed with a customer-first approach, offering top-rated fund performance consistently.

Waiver of premium
Top-up facility
Comprehensive life cover

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Axis Max Life Insurance

📈 11% - 19% p.a. Returns

Axis Max Life brings together banking strength and insurance expertise for smart ULIP investments.

Auto rebalancing
Switch between funds
Settlement option

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Kotak Life Insurance

📈 10% - 18% p.a. Returns

Kotak Life ULIP plans combine robust fund management with flexible premium payment options.

Multiple fund options
Premium redirection
Tax-free maturity

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⭐ Popular

Tata AIA Life Insurance

📈 12% - 21% p.a. Returns

Tata AIA is backed by Tata Group legacy and AIA Group global expertise for reliable ULIP performance.

Guaranteed additions
Smart fund switching
Comprehensive protection

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Aviva Life Insurance

📈 10% - 17% p.a. Returns

Aviva brings over 300 years of global insurance experience to deliver trusted ULIP products in India.

Fund performance tracker
Flexible withdrawals
Life stage option

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⭐ Popular

SBI Life Insurance

📈 10% - 18% p.a. Returns

SBI Life is India's most trusted life insurer backed by State Bank of India, offering solid ULIP plans.

SBI network support
Transparent charges
Strong fund performance

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⭐ Popular

ICICI Prudential Life Insurance

📈 12% - 22% p.a. Returns

ICICI Prudential is among India's largest private insurers with award-winning ULIP products.

Wealth boosters
Systematic transfer plan
Goal-based investing

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Canara HSBC Life Insurance

📈 10% - 18% p.a. Returns

Canara HSBC Life combines the trust of Canara Bank and HSBC banking expertise for smart ULIP solutions.

Return of mortality charges
Fund switching
Tax benefits

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ULIP Calculator

Calculate Your ULIP Returns

Slide to customize your investment. See your wealth grow in real time.

Monthly Premium Rs.5,000 / mo

Rs.1,500Rs.1 Lakh

Policy Duration 10 Years

5 Years30 Years

Expected Returns 12% p.a.

6%24%

⚠ Returns are estimates. Past performance does not guarantee future results. Investments are subject to market risk.

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Estimated Maturity Amount

Rs.0

Tax-free under Section 10(10D)

Total Invested

Rs.0

Wealth Gained

Rs.0

Absolute Return

Tax Benefit/Year

Up to Rs.46,800

Investment vs Returns Breakdown

Invested

Returns

Want the best ULIP for your numbers? Call 8920998092

Why ULIPBazaar

India's Most Trusted ULIP Platform

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Zero Commission Advice

Our advisors are salaried, not commission-driven. Every recommendation is based purely on your financial goals.

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Compare All in One Place

Side-by-side comparison of 50+ ULIP plans across 10 insurers - funds, charges, returns, features.

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Highly Accurate Calculator

Our return projector uses real fund NAV data to give realistic estimates of your future wealth.

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IRDAI Certified Advisors

All our financial advisors are IRDAI certified with 10+ years of experience in life insurance.

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100% Data Privacy

Your personal and financial data is encrypted with bank-grade security. Never shared.

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Fast Policy Issuance

We handle all paperwork and insurer coordination for the quickest possible policy issuance.

How It Works

Start Your ULIP Journey in 4 Simple Steps

Share Your Goals

Tell us your investment amount, financial goals, risk appetite and time horizon in 2 minutes.

Compare Plans

We shortlist top 3 ULIP plans across 10 insurers that perfectly match your profile.

Talk to Expert

An IRDAI certified advisor calls you within 30 minutes to walk you through the plans.

Invest & Grow

Complete KYC online, select your funds, and start building tax-free wealth from day one.

📞 Start Now - Call 8920998092

Customer Stories

Real Investors, Real Results

★★★★★

"ULIPBazaar helped me choose the right ULIP plan from ICICI Prudential. My investment has grown over 16% in 3 years. The team was very professional and transparent about all charges."

Rajesh Sharma, New Delhi

ICICI Prudential ULIP

★★★★★

"I was confused between various ULIP plans. ULIPBazaar's advisor explained everything in detail and helped me pick Tata AIA. Best decision of my financial life!"

Priya Verma, Mumbai

Tata AIA ULIP

★★★★★

"Great platform to compare ULIPs. Their calculator showed me exactly what I would earn. Invested in Max Life ULIP and returns have been excellent."

Amit Gupta, Bangalore

Max Life ULIP

★★★★

"Very helpful team. They explained the difference between various fund options and helped me choose a balanced fund from SBI Life. Happy with the service!"

Sunita Patel, Ahmedabad

SBI Life ULIP

★★★★★

"The ULIP calculator on ULIPBazaar is very accurate. Invested in Bajaj Allianz based on their recommendation and getting 18% returns. Highly recommended!"

Vikram Nair, Chennai

Bajaj Allianz ULIP

★★★★★

"Excellent service! ULIPBazaar team is knowledgeable and helped me understand ULIP tax benefits. Invested in Kotak Life for my child's education planning."

Meera Joshi, Pune

Kotak Life ULIP

FAQ

Your ULIP Questions, Answered

What is ULIP?+

ULIP (Unit Linked Insurance Plan) is a unique financial product that combines life insurance with investment. A portion of your premium goes toward life cover, while the rest is invested in market-linked funds of your choice — equity, debt, or balanced funds. It offers dual benefits: wealth creation and life protection.

Is ULIP better than Mutual Funds?+

ULIPs offer life insurance cover along with investment, while mutual funds are pure investment products. ULIPs enjoy tax-free maturity under Section 10(10D) and deductions under 80C. They are ideal for long-term goals (5+ years) where you need both insurance and investment. After 5 years, ULIPs can be very competitive with mutual funds.

What are the tax benefits of ULIP?+

ULIPs offer excellent tax advantages: Premium paid is deductible under Section 80C up to ₹1.5 lakh per year. Maturity proceeds are completely tax-free under Section 10(10D) (if annual premium ≤ ₹2.5 lakh for policies after Feb 2021). There is no long-term capital gains tax on switching between funds within the ULIP.

How much can I invest in a ULIP?+

You can start investing in a ULIP with as little as ₹1,500 per month. There is no upper limit to investment. The minimum sum assured is typically 10 times the annual premium. You can also make top-up investments to boost your wealth creation at any time after the lock-in period.

What is the lock-in period for ULIP?+

ULIPs have a mandatory lock-in period of 5 years as per IRDAI regulations. You cannot surrender the policy or make withdrawals during this period. After 5 years, you can make partial withdrawals or fully surrender the policy. Most experts recommend staying invested for 10-15 years for maximum wealth creation.

Which is the best ULIP plan in 2024?+

The best ULIP depends on your risk appetite, financial goals, and investment horizon. Top-performing ULIPs in 2024 include ICICI Prudential Wealth Builder, Tata AIA Fortune Pro, Max Life Fast Track Super, and Bajaj Allianz Future Gain. Our advisors at ULIPBazaar can help you choose the best plan based on your profile. Call us at 8920998092.

What happens if I miss a ULIP premium?+

If you miss a premium payment, the insurer gives you a grace period of 15-30 days. If you don't pay within this period, the policy lapses. During the lock-in period, the fund value is moved to a discontinued policy fund. After the lock-in, you can revive the policy within 2-3 years by paying outstanding premiums plus interest.

Can I switch funds in ULIP?+

Yes! One of the biggest advantages of ULIP is free fund switching. You can switch between equity, debt, and balanced funds based on market conditions and your risk appetite. Most insurers offer 4-12 free switches per year. This allows you to protect your gains when markets are volatile and capitalize when markets rise.

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