Insurance
Investment Plans
ULIPs and market-linked plans that combine life cover with investment.
You'll be taken to our partner SMC Insurance to compare and buy a policy.
Cover overview
What it is and how we help
Investment plans, such as unit-linked insurance plans (ULIPs), combine life cover with an investment in funds you choose, such as equity, debt or balanced funds. The value of your investment goes up and down with the markets. Compare plans through our partner SMC Insurance, or request a consultation.
Key considerations
- Charges: premium allocation, fund management, mortality and administration
- Fund options and switching between funds
- The five-year lock-in period
- Your risk appetite and investment horizon
Options
Investment plan options
ULIPs
Life cover plus investment in equity, debt or balanced funds, with a five-year lock-in period.
Market-linked plans
Other plans whose value depends on market performance. Returns are not guaranteed.
FAQs
Common questions
Are the returns guaranteed?
No. In a ULIP the investment risk is borne by the policyholder, and the value of your units can go down as well as up.
Can I withdraw early?
ULIPs have a five-year lock-in period. Partial withdrawals are usually allowed only after that, as set out in the policy.
Who issues the policy?
Policies are issued and underwritten by the respective insurance company and arranged by our partner SMC Insurance Brokers Pvt. Ltd. RichHarbor is a referral partner and refers you to SMC Insurance.