Unit Linked Insurance Plan — life insurance cover tో pāṭu market-linked investment returns kūḍā. Tax savings under Section 80C & 10(10D), flexible fund switching, and long-term wealth creation — anni oka plan lo. DSA Loan Agent top insurers compare chesi best ULIP select chestādu.
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ULIP comparison, fund selection, tax planning — anni free gā memu handle chestāmu. You focus on your goals, we find the right plan.
LIC, HDFC Life, SBI Life, ICICI Prudential, Max Life, Bajaj Allianz — all compared on charges, returns & fund performance.
Retirement, child education, tax saving — each goal has the right fund mix. Agent matches your risk appetite to the best fund option.
We ensure you use 80C deduction fully and maturity is structured under 10(10D) for tax-free returns. Not all plans qualify — we check.
We never charge you a single rupee. Insurers pay us commission — you get expert plan comparison and guidance at zero cost.
From application to policy document — agent assists with the entire process at your home or office. No branch visits needed.
Markets change — when it's time to switch from equity to debt or vice versa, agent guides you on the right switch strategy.
Everything you need to know about ULIP plans available across AP & Telangana.
Monthly / annual payment
Market-linked (not guaranteed)
IRDAI mandated minimum
Optimal holding period
Sum assured on death
Annual premium deduction
Free switches per year
After lock-in period ends
* Returns are indicative based on historical fund performance and are not guaranteed. Market-linked products are subject to market risks.
ULIPs are available to a wide range of individuals. Basic eligibility depends on age, health, and income — agent confirms exact criteria for each insurer.
18 to 65 years at entry (maturity age up to 75–80 years depending on insurer)
Salaried, self-employed, business owners, and professionals all eligible
Good health required; minor medical conditions may need declaration or higher premium
PAN mandatory for premium above ₹50,000/year as per IRDAI and tax regulations
💡 NRIs and PIOs can also buy ULIPs subject to FEMA guidelines and specific insurer policies — agent will confirm which plans are NRI-friendly.
Child policies available from age 0 – life assured is parent, child is beneficiary
Some insurers offer ULIPs up to entry age 60–65 with reduced sum assured options
Keyman ULIP and group ULIP options available for business and employee benefit planning
Some insurers offer lower premium rates for women policyholders — agent compares these
💡 Joint life ULIPs cover two lives under a single plan — ideal for couples planning retirement or child's future together.
ULIP application requires standard KYC, income proof, and health declaration. Agent helps collect and verify everything.
📱 Documents can be shared digitally via WhatsApp — agent coordinates with insurer for medical tests at your nearest lab if required.
ULIPs let you invest across multiple fund types — switch freely based on market conditions and your life stage.
High-risk, high-reward. Invested in stocks — ideal for long-term wealth creation (10+ years horizon). Best for young investors.
Low-risk, stable returns. Invested in government bonds, corporate debt — ideal for capital preservation near maturity.
Mix of equity and debt — moderate risk and returns. Good for investors who want growth with some stability.
Ultra-low risk. Invested in short-term money market instruments — ideal parking while you decide your fund strategy.
Tracks Nifty 50 or Sensex passively — lower charges, market-matching returns. Increasingly popular ULIP fund option.
Auto-switch option — gradually move from equity to debt as maturity approaches. Reduces risk without active monitoring.
From goal setting to active policy — DSA Loan Agent handles everything at no cost to you.
Fill the form or WhatsApp Agent. Share your investment goal, age, budget, and risk appetite for personalised advice.
Agent compares 10+ insurers on premium, charges, fund performance, and returns — recommends the best fit for your goal.
Share KYC, income proof, and health declaration via WhatsApp. Agent fills the proposal form — no branch visit needed.
Agent submits to insurer and coordinates any medical tests at your nearest lab. Underwriting typically takes 3–7 days.
Policy document issued digitally. Agent explains fund allocation, switch options, and annual review process clearly.
ULIPs uniquely combine life insurance protection with market-linked wealth creation — and generous tax benefits on both ends.
Premium paid up to ₹1.5 Lakhs per year is fully deductible under Section 80C of the Income Tax Act — reduces your taxable income.
If sum assured is at least 10× annual premium, maturity proceeds are completely tax-free under Section 10(10D) — a major advantage over MFs.
Family gets sum assured (at least 10× annual premium) in case of policyholder's death — life protection without a separate policy.
Long-term equity fund performance in ULIPs has historically delivered 10–14%* annualised returns — far higher than traditional endowment plans.
Switch between equity, debt, and balanced funds anytime (4+ free switches/year) — adapt to market cycles and changing risk appetite.
After the 5-year lock-in, partial withdrawals are allowed for emergencies — unlike PPF or traditional insurance plans. Tax-free too.
Indicative figures across popular ULIP categories — agent gives you exact projections after goal discussion.
ULIPs enjoy some of the best tax treatments among investment products under the Income Tax Act.
Premium paid up to ₹1.5 Lakhs per financial year is deductible from gross taxable income under Section 80C — saves tax every year you pay premium.
Up to ₹1.5L deduction/yearMaturity proceeds are fully exempt from income tax under Section 10(10D), provided sum assured is at least 10× annual premium — unlike mutual funds.
100% tax-free returnsDeath benefit received by nominee is fully tax-free in the hands of the beneficiary under Section 10(10D) — no income tax on claim amount whatsoever.
Tax-free death claimSwitching between equity and debt funds within a ULIP does not attract capital gains tax — a significant advantage over switching between mutual fund schemes.
Zero tax on fund switch📋 Tax laws are subject to change. Agent provides guidance based on current Income Tax Act provisions — consult a tax advisor for personalised tax planning.
ULIP గురించి common doubts — honest answers.
Naa daughter education planning kosam ULIP teesukodam correct decision ayyindi. DSA Loan Agent HDFC Life Sanchay Plus compare chesi best fund mix suggest chesadu. 10 years lo returns expectations kante zyada unnai — chala thanks!
Tax saving kosam mutual funds lo invest chestunna, but agent ULIP tో 80C + tax-free maturity unchukuni total tax savings compare chesadu — ULIP clearly better option ayyindi. Policy issuance lo kuda full support chesadu.
Retirement ki 15 years undi. Agent SBI Life Smart Wealth Builder ULIP suggest chesadu — aggressive equity fund lo invest chesamu. Annual reviews ki kuda agent contact chestādu, fund switch advice istādu. Excellent ongoing support!
Fill the form and Agent will call you back within 30 minutes — get personalised ULIP comparison, fund strategy, and tax planning at zero cost.
Mon – Sat: 9:00 AM – 7:00 PM
Andhra Pradesh & Telangana
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