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Life insurance : -
1.Traditional Products (These includes Life cover,Health,Child Policies,Pension Plan etc)
2.Unit Link Products(these are protection cum investment plan)
General Insurance :-
ULIPs Vs Tradional Plans
ULIPs have gained high acceptance due to attractive features they offer. These include :-
- Flexibility to choose Sum Assured.
- Flexibility to choose premium amount.
- Option to change level of Premium /Sum Assured even after the plan has started.
- Flexibility to change asset allocation by switching between funds
- Charges in the plan & net amount invested are known to the customer
- Convenience of tracking one's investment performance on a daily basis.
- Option to withdraw money after few years (comfort required in case of exigency)
- Low minimum tenure.
- Partial / Systematic withdrawal allowed
- A choice of funds (ranging from equity, debt, cash or a combination)
- Option to choose your fund mix based on desired asset allocation
These are the oldest types of plans available. These plans cater to customers with a low risk appetite. Some of the common features of traditional plans are:
- Major chunk of investible funds are in debt instruments
- Steady and almost assured returns over the long term
- Death benefit is Sum Assured + guaranteed & vested bonus
- Helps in asset creation as they are for a long tenure
- Premium to Sum Assured ratios are fixed for each plan and age.
- Generally withdrawals are not allowed before maturity