Insurance Confusion, Cleared
Term, or ULIP?
Mixing insurance with investment feels efficient. It usually means you get less of both. See it side by side.
Same money, two products
What you put in each year, and for how long.
Annual amount premium / investment
15
20
25
ULIP (mixed)
—
corpus · life cover only
Term + Mutual Fund
—
corpus · life cover ₹1 Cr
—
Illustrative: ULIP assumed ~7% net of charges; a ₹1 Cr term plan at ~₹15,000/yr with the remainder invested at 12% p.a. Real figures vary by age, insurer and fund — but the pattern rarely changes: separating the two wins on both cover and corpus.
Finally makes sense?
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CA Vipin Gupta — Trust · Satisfaction · Growth
For education only. Not financial advice. Figures are illustrative.
For education only. Not financial advice. Figures are illustrative.
