ULIPs combine life insurance with market-linked investment — part of your premium secures your family with life cover, and the rest is invested in equity, debt, or balanced funds of your choice. CoreLink Finance helps you compare ULIPs across insurers and pick fund options that match your goals and risk appetite.
Your invested premium is allocated to equity, debt, or balanced funds with the potential for market-linked growth.
Move between fund options as your goals or risk appetite change, usually with a limited number of free switches each year.
Your family is protected with a life cover even as your money stays invested and working toward your goals.
A Unit Linked Insurance Plan (ULIP) is a dual-purpose product: part of every premium you pay goes toward a life insurance cover, and the remainder is invested in market-linked funds of your choosing — equity, debt, or a mix of both.
Each fund is divided into units, and the number of units allotted to you depends on the fund's Net Asset Value (NAV) at the time of investment. Over time, your corpus grows (or falls) based on how the chosen funds perform in the market.
ULIPs typically come with a 5-year lock-in and allow periodic fund switches, top-ups, and partial withdrawals after the lock-in, making them a flexible way to combine protection with long-term wealth creation, subject to market risk and insurer terms.
One plan gives you life cover and a market-linked investment, instead of buying two separate products.
Pick from a range of equity, debt, and balanced fund options based on your risk appetite.
Rebalance your portfolio by switching between funds as markets move or your goals change.
Invest surplus funds as top-up premiums, within insurer limits, to grow your corpus faster.
Withdraw a part of your fund value after the 5-year lock-in for emergencies or goals, as per plan terms.
NAV-based unit pricing and charge structures are disclosed upfront, so you know where your money goes.
Premiums and maturity proceeds may qualify for tax benefits under prevailing tax laws, subject to conditions.
Staying invested through market cycles can help compound your corpus over the long term, though returns are not guaranteed.
| Annual Premium | Investment Term | Assumed Return* | Approx. Fund Value at Maturity |
|---|---|---|---|
| ₹50,000 | 10 Years | 8% p.a. | ₹6.8 – 7.5 Lakhs |
| ₹1,00,000 | 15 Years | 10% p.a. | ₹28 – 32 Lakhs |
| ₹1,50,000 | 20 Years | 10% p.a. | ₹78 – 86 Lakhs |
*These are illustrative, assumed rates of return for understanding purposes only — not guaranteed. Actual returns depend on market performance, fund choice, and charges, and can be lower than illustrated, including a possibility of loss of capital, as ULIPs are subject to market risk.
At CoreLink Finance, we don't just help you buy a policy — we actively support you through the claim process by coordinating with the insurer, guiding documentation, and following up for a smooth experience.
We help you choose the right insurer and policy based on claim settlement ratio, reliability, and your profile.
Before policy issuance, we ensure all your personal, financial, and medical details are accurate and properly declared.
We guide you in filling out proposal forms correctly, so no hidden or incorrect information gets submitted.
In case of a claim, you get a personal claim expert who handles the process — from documentation to settlement.
We actively coordinate and follow up with insurers to ensure quick and smooth claim processing.
Our team checks all documents before submission to avoid technical errors that often lead to delays or rejection.
Follow these steps to keep your cover and investment working as intended.
Share correct details about your health, income, and lifestyle at the time of purchase.
Transparency about existing or past medical conditions is essential for the life cover to be honoured.
Missing premiums during the 5-year lock-in can lead to a discontinued policy fund with reduced benefits.
Rebalance your funds as your goals, age, or risk appetite change over the policy term.
Update nominee details after any major life change, such as marriage or the birth of a child.
Know the premium allocation, fund management, and mortality charges that apply to your plan.
ULIPs suit investors who want life cover and market-linked growth in one plan. Consider this if you are:
Comfortable with market-linked risk for potentially higher long-term returns
Investing with a long horizon of 10+ years, allowing markets to average out
Looking for life cover bundled with an investment, in a single product
Someone who wants the flexibility to switch between fund options
A disciplined investor who can stay invested through market cycles
Looking for potential tax benefits on both premiums and maturity proceeds
Talk to CoreLink Finance for honest, no-obligation guidance on the right ULIP for your goals.
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