Kotak Life
Close

Buy a Life Insurance Plan in a few clicks

Close

Now you can buy life insurance plan online.

Kotak e-Term Plan

Kotak e-Term Plan provides a high level of protection to your loved ones in your absence. Know more

Kotak Guaranteed Savings Plan

Kotak Guaranteed Savings Plan is a savings and protection plan that helps you achieve long-term financial goals and provides an insurance cover against any eventuality. Know more

Kotak E-Invest

Kotak e-Invest plan is a complete Unit-Linked Insurance Plan that can be customized as per your goals and needs. Know more

Kotak Health Shield

Kotak Health Shield Plan helps secure your finances in sudden medical expenses such as Cardiac, Liver, Neuro, and Cancer (all early and significant illness stages/conditions of cancer), along with offering protection for personal accidents - in case of accidental death or disability. Know more

Kotak Lifetime Income Plan

Kotak Lifetime Income Plan gives you the security of your income continuing throughout your life and in your absence throughout your spouse's lifetime! Know more

4 Important Tips to Maximize Gains with ULIP Investments

4 Important Tips to Maximize Gains with ULIP Investments
  • 14th Apr 2022 |
  • 2,187

Simply investing your money in financial tools isn’t enough - understanding how to maximize your investment returns is the actual key. For example, the popularity of ULIP plans has climbed to unprecedented heights. ULIPs have become everyone’s favorite and a household name for a plan that comes with a mandated 5-year lock-in period that offers both investment and a life insurance plan. The benefits of insurance and market-linked profits plus partial withdrawals is an amazing combination for an efficient financial plan. We will share all of the secrets and tips you need to know in order to make a significant capital gain on ULIP in this article.

Don’t Shy Away from Switching Funds

Switching funds is a word that refers to diversifying your assets across several asset types. It is a big part of determining a portfolio’s risk-reward ratio. You may build a big portfolio by diversifying your assets over various asset classes, thereby enabling the benefit of one asset class to compensate for the loss of another. As a result, your investment’s overall risk is lowered, and it adds to the ULIP long term capital gain. Another advantage of holding a Unit linked insurance plan in India is that policyholders have unrestricted access to switching between various funds. You can modify the debt and equity fund options in your ULIP plan at any time throughout the policy’s duration for capital gain on ULIP.

Examining The Economic Scenario is Your Best Friend

This step works in combination with the switch option. You must be knowledgeable of the present economic atmosphere as well as the prediction for both national and worldwide markets in order to swap your finances effectively. Leading indicators, such as the price of crude oil and the increase in international political tension, are critical in predicting market performance and, as a result, the gain on ULIP.

Longer The Tenure Greater The Returns

You are aware that ULIP investment aids in wealth growth; therefore, you must invest in ULIP insurance for a longer period of time for long term capital gain on ULIP. It has a five-year lock-in term which implies that you may only make partial withdrawals from your ULIP insurance once five years have passed. This lock-in period enables investors to pay premiums on a regular basis and to think about wealth growth as long term capital gain on unit linked insurance.

Stay Aligned With Your Goals

Your income composition, appetite for risk, long term financial goals, and investment objective must all be considered when choosing a policy. When picking a plan, keep your financial objectives in mind, whether they are definite events like a child’s wedding or more ambiguous ones like building money for the future. The ideal strategy aids you in achieving your objective and gets you there with the least amount of obstacles and the most gain on ULIP investments. To make your selection, look at the plan’s investment ratio in both equity and debt funds.

Maximizing gain on ULIP is not as complex as it may appear. All you have to do is stay updated with market circumstances, align them with your financial goals, and research and make the best decision possible in order to benefit from long term capital gain on ULIP.

Kotak e-Term Plan

Features

  • Nominal Cost
  • Multiple Plan Options
  • Flexible Payout Options
  • Critical Illness Rider
  • Tax Savings
  • Long term Coverage

Ref. No. KLI/22-23/E-BB/492

T&C

Browse our library of resources

- A Consumer Education Initiative series by Kotak Life

Similar Articles

What are incremental term insurance plans?

Term Insurance with Critical Illness

Term Insurance: Smokers vs Non-Smokers

Why Buy Term Insurance Plan With a High Cover?

Can Non-Resident Indians (NRIs) Buy Term Insurance In India?

Top 3 Reasons Why You Should Buy A Term Plan Now

Which Death Type Does Your Term Plan Not Cover?

टर्म इंश्योरेंस क्या है? टर्म इंश्योरेंस का मतलब

Term Vs. Whole Life Insurance: Which One You Should Buy in India?

Make Your Online Term Plan Your Familys Monthly Payout

Is term Insurance Needed for People With No Dependents?

4 Methods to Calculate How Much Term Insurance You Need

Can I Extend the Tenure of My Term Insurance Plan?

Why Buy Term Insurance Even at Rising Rates?

9 Ways to Help Family Members in Financial Trouble

Term Plans are Definitely Cheaper than You Think!

Is ₹1 Crore Term Insurance Good Enough Cover?

Different Types of Premium in Term Insurance

How to Surrender Term Life Insurance When you have No Liabilities

What is Form 16, Form 16 part A, Form 16 part B, Information Required and FAQs

8 Factors to consider before choosing a Critical Illness Insurance

Why Term Plan Should Be The First Step To Securing Your Future?

Advantages of Buying Term Insurance in Your 50s

Why Married People Should Buy Term Insurance Under MWP Act?

10-Year Term Life Insurance Policy - Explained in Detail

Endowment Plans vs Term Plans: Understanding the difference

Calculating Term Insurance Premium

What Is a Passive Income? Why Should You Use It to Buy a Term Plan?

How to Compare Term Insurance Online

Term Insurance: Most Common Term Insurance Myths Explained | Kotak Life

Do You Need Term Insurance Cover After Retirement?

Why does every working woman need life insurance?

Term Insurance – Why You Must Include In Your Financial Planning?

How Does Term Life Insurance Work? Learn the Benefits

Can I Buy Term Insurance for a COVID-19 Patient?

Are The Add-ons and Optional Features of Term Insurance Plans Actually Beneficial?

Is Life Insurance Investment Worthy Enough

Individual Life Insurance vs. Group Term Life Insurance

Different Types of Protection Plans

Ideal Features of a Suitable Term Plan - Act Now for a Stress-free Future

How to Identify Term Insurance According to Your Needs?

Is Group Term Life Insurance Provided By Employer Sufficient?

Term Insurance With Riders In India

What Happens if you Hide Facts in your Term Insurance?

What Are Insurance Riders and How to Choose Them in a Term Plan?

Why should single women purchase term life insurance?

6 Types of Death not covered in Term Insurance Plan

4 Things To Expect From Your Term Insurance Plan in India

All About Term Insurance Inbuilt Coverage

Tax Benefits of Term Insurance in India

9 Most Frequently Asked Questions on Term Insurance

What is Critical Illness Policy

Insuring Against Accidents with an Accidental Death Insurance Rider

Is a Term Insurance Policy Portable?

Advantages & Disadvantages of Term Insurance in India

Term Life Insurance Plan for Smokers vs Non-Smokers

Do I Need to Give a Medical Test for Term Insurance in India?

Buying A Term Insurance Plan? Take These Factors into Account

Why Term Insurance Is Better Than ULIP?

Planning For Children's Future

Why is it important to buy term insurance plan?

Everything About Claim Settlement Ratio for Term Insurance

Choosing Riders for Insurance Plans

Busting Myths and Facts About Term Insurance Policies

Know How to Invest at Every Age for Larger Returns

Online vs Offline Term Insurance: Which Is The Better Option To Buy

Can I Make Changes to My Term Insurance Policy Post Purchase?

Does Term Insurance Cover Accidental Death?

What is Term Insurance - A Complete Guide

Does Your Term Insurance Plan Cover Death Due to COVID-19?

Is it a Good Time to Buy Term Insurance During the COVID-19 Pandemic?

How to Ensure That Your Term Insurance Claims Are Never Rejected?

Which Term Insurance to Choose: Lump Sum or Staggered Pay-out Plan?

8 Things To Do After Buying Term Insurance

Term Plan with Spouse Cover

What Types of Deaths Are Covered in a Term Insurance Plan?

Term Insurance Plans and Policies for Smokers

Why Surrendering Your Term Plan Policy In The Final Phase Maybe A Bad Idea?

Is Term Life Insurance Plan an Investment or Expense?

Difference between Term Insurance and Life Insurance

Can A Housewife Buy a Term Insurance Plan - All You Need to Know

Buying A Term Insurance? Don't Ignore the Claims Settlement Ratio

Understanding Term Insurance Riders

What Is the Correct Age to Buy Term Insurance?

5 Benefits of Early Retirement Planning

What is the Right Term Period For Term Insurance Policy? Here's How You Should Choose!

Insuring Protection Against Death With Death Insurance Rider

8 Benefits of Term Insurance You Should Know

Should You Have Multiple Term Life Insurance Policies?

Do Beneficiaries Pay Taxes on Term Insurance?

Key Differences Between Term Insurance, ULIPs, And Health Insurance

How Much Term Insurance Do I Need

What Should Be The Duration Of Your Term Plan in India?

5 Reasons to Buy Term Insurance When You are in Your 30s

Steps on How to Buy Term Insurance Online

Eligibility Criteria for Buying Term Insurance in India

Make Your Online Term Plan Your Family's Monthly Pay Cheque

Key IRDAI Regulations That Changed Face Of Term Insurance Industry In 2020

Importance of Term Insurance at Every Stage of Your Life

4 Reasons Why You Need Critical Illness Cover

Why Should You Buy Term Insurance in 2022?

When is the Right Time to Buy Term Life Insurance Policy for Yourself?

Term Insurance Age Limit – Term Plan for All Age Groups

What is Insurance Premium - A Detailed Guide

Planning For Son or Daughter's Wedding

6 Reasons That Make Term Insurance a Must Buy

Can I Get Term Insurance on Behalf of My Spouse?

Term Insurance Basics You Should Know

5 Things To Consider While Buying Term Insurance Plan

What is a Joint Term Insurance Plan? Key Benefits of Joint Term Plan

Is There Any Tax Benefit on Term Insurance?

Why Term Insurance Is Important in times of COVID-19?

Reasons You Need Term Insurance Plan as a Self-Employed Person

How Does A Term Life Insurance Work in India?

Is It Good To Buy A Term Insurance Plan In 2022?

Why Premium Amount for Term Insurance is So Low?

5 Term Insurance Benefits for Single Women

What All Documents Required For Term Insurance In India?

Can Term Insurance Plans Be Purchased As A Gift?

Term Insurance: What Happens When You Don’t Pay Your Premiums?

Protection for your family

Can You Increase Your Term Insurance Cover?

Should You Buy a Term Plan After 40?

Insuring Against Disability With Disability Insurance Rider

What Are the Best Term Insurance Plans for Planning Retirement?

What are the Documents Required for Term Insurance Plan?

Insurance Policy for Housewife In India

How To Calculate The Amount Of Term Life Insurance You Need?

Term Insurance Calculator - Everythng You Need To Know

What Is a Renewable Term Insurance Policy?

While Buying Term Insurance Compare Features, Not Just Premiums

Why 1 Cr Term Plan Is Necessary For Family?

Increasing Term Insurance and Riders

Can Senior Citizens Avail Term Insurance?

What Happens to Term Insurance Plan With No Beneficiary - Kotak Life

Cost of Term Insurance Likely to Increase Soon

Why Should You Add a Rider to a Term Insurance Plan?

Why Buying a Term Plan Is Smarter Than Traditional Life Insurance Products

Insuring yourself against Ill Health with a Critical Illness Rider

What Should You opt for - Limited or Premium Pay?

How to Buy 1 Crore Life Insurance Policy Without Medical Test

Best Investment Plans for Children - Secure Your Child's Future

Why Should New Parents Buy Term Life Insurance?

How To Choose the Right Sum Assured Under a Term Plan?

Gift Your Father A Term Insurance Plan This Father's Day

All you need to Know about Term Insurance Plans for Housewives

What is a short term insurance policy?

Why Should You Not Take A Term Plan Without Medical Test in India?

How To Choose the Right Term Insurance Plan?

Tips to Choose the Right Term Period for Term Insurance Plan

Ensure Protection Against Death, Disease & Disability With Life Insurance

Comparing Term Plans – What Should You Look Out For

How Much Term Life Insurance Cover Do I Need in India?

How Not To Get Your Term Insurance Claim Rejected

Should Youngsters, Working Couples Buy Term Insurance Plans?

How To Change The Nominee in Term Insurance?

How Much Cover Should I Take In A Term Plan?