Investment Plan


Investment insurance plan, as the name suggests, acts like an investment tool and provides you insurance coverage side by side. A part of the premium paid by you is utilized by the insurance company to provide investment opportunities in the life cover and the rest of the amount is invested in the instruments that are chosen by you. You can target long term goals or focus on short term investment plans depending upon personal reason for investment. Not only you get the security that your funds are safe and they are growing but you also get the most-needed protection which gives you the sense of relief that your dependents will be provided with the financial support that you are looking for them after you.

These investment plans are essentially of two types:

Unit Linked Insurance Plans or ULIPs


Traditional endowment plans

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Benefits of Investment Plan

zero commissions

Plans with zero commissions and lowest charges in the market

Tax benefits

Under Section 10(10D) of the Income Tax Act in India, the maturity benefits offered by Invest policies are eligible for tax benefits and under Section 80C, the premiums paid on Investment policy also get tax deductions.

Self Dependency

Being financially independent, especially post-employment is important. Working hard towards meeting the financial and aspirational goals of your family is great, but you need to set aside funds for life during retirement.

Allows Money to Grow

Why let money lie idle when you invest it? Choosing a smart ULIP plan (based on your risk appetite) offers the dual benefit of an investment and an insurance policy - the best way to grow your money.

Types of Investment Plan

Life Insurance Plan

The best investment plan offers the policyholder both life cover plus the added advantage of saving money.

Unit-linked Insurance Plan

It is very important for every parent to plan for their children's future in time. They want their dreams to be nurtured fruitfully even if we're not around

Endowment Plan

These are Traditional form of life insurance plans. Under an endowment plan, the insured receives a lump sum after a specified maturity period or on earlier death.

Guaranteed Return Policy

In such plans the maturity amount is confirmed at the time of taking policy hence there is no uncertainty left on market conditions or quantum of bonus declare by the company.




Insurance cover + investments
It gives protection to your loved ones. If anything unfortunate happens to the insured, his family will receive the sum for which he is insured in addition to the fund value either as a lump sum or in the form of periodic payments.


Secured way of creating wealth
It is a great way for saving money for a goal - the policyholder can define certain financial goals like child's marriage, education or retirement planning and accordingly choose the plan. The endowment funds offer a safe way to plan for retirement if you do not want to take market risk. Whereas, the ULIP plans offer an opportunity where you can take a look at their historical returns to calculate your investment and corpus build up in a few years time.


Tax Saving
Most of the plans today which are available in the market qualify for the tax deduction under Section 80C. Not only this, the lump sum amount received in the maturity of many plans is also Tax Free in nature under Section 10(10d). With this understanding the tax saving for any individual can vary from 10% to 33% depending on his/her income slab.


The returns offered are a good way to understand which plan is better which is not so certain a case with investment plans. Returns on investment plans are usually better if you consider post tax yields compared to other investment options (especially in Unit-Linked insurance Plans). Also, the returns in endowment plans only come after a few years while in the case of ULIPs, the insured can withdraw the entire amount once the lock in period has expired.

Documents Required To Buy Investment Plan


Age Proof --> Birth Certificate, 10th or 12th mark sheet, Driving License, Passport, Voter ID, etc.(Any one)

Identity Proof --> Driving License, Passport, Voter ID, PAN Card, Aadhar Card, which proves ones citizenship

Address Proof --> Electricity Bill, Telephone Bill, Ration Card, Driving License, Passport, should clearly mention the permanent address

Income Proof --> income proof specifying the income of the person buying the insurance

Proposal Form --> duly filled in proposal form is required

Medical Tests --> Some companies may require medical check-up in order to make sure that the insured does not suffer from any chronic illness.

Investment Plans Classification

Guarantee/no- Guarantee of returns

lower but secure returns - ideal for investor is looking for safeguarding their assets and looking for stable growth of their money

Single/Regular Premium Plans

The single premium Plans are lower premium as the paperwork and other administrative charges are less. Whereas, Regular premiums are better for younger people who are just starting out on their careers and do not have much savings.

Life Stage/Non Life Stage Plans

These plans allocate assets according to the investor’s age. Those in their 20s or 30s are given adequate equity exposure as they can better manage the risk.

Investment objective

If savings, we need to look at ULIP with a guaranteed return possibility

Concepts & FAQ's Investment Plans


All Insurance Company List

  • 1. Edelweiss Tokio Life Insurance Company Limited
  • 2. HDFC Life Insurance Co. Ltd
  • 3. Max Life Insurance Co. Ltd.
  • 4. ICICI Prudential Life Insurance Co. Ltd
  • 5. Kotak Mahindra Life Insurance Co. Ltd
  • 6. TATA AIA Life Insurance Co. Ltd.
  • 7. Aditya Birla SunLife Insurance Co. Ltd.
  • 8. SBI Life Insurance Co. Ltd.
  • 9. Exide Life Insurance Co. Ltd.
  • 10. Bajaj Allianz Life Insurance Co. Ltd.
  • 11. PNB MetLife India Insurance Co. Ltd,
  • 12. Reliance Nippon Life Insurance Company Limited,
  • 13. Aviva Life Insurance Company India Ltd.
  • 14. Sahara India Life Insurance Co. Ltd.
  • 15. Bharti AXA Life Insurance Company Ltd
  • 16. Future Generali India Life Insurance Company Ltd.
  • 17. IDBI Federal Life Insurance Company Limited
  • 18. Canara HSBC Oriental Bank of Commerce Life Insurance Company Limited,
  • 19. Aegon Life Insurance Company Limited,
  • 20. DHFL Pramerica Life Insurance Co. Ltd.
  • 21. Star Union Dai-Ichi Life Insurance Co. Ltd.
  • 22. IndiaFirst Life Insurance Company Ltd.

Disclaimer !

This is to inform that do not charge any fees/security deposit/advances towards outsourcing any of its activities. All stake holders are cautioned against any such fraud.

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