Unit Linked Insurance Plan (ULIP) combines the benefits of life insurance policies with mutual funds. ULIP provides for life insurance where the policy value at any time varies according to the value of the underlying assets at the time. ULIP is life insurance solution that provides for the benefits of protection and flexibility in investment. The investment is denoted as units and is represented by the value that it has attained called as Net Asset Value (NAV).
ULIPs are a popular type of life insurance plan as they combine benefits of both insurance and mutual funds. The reasons of popularity of ULIPs include transparency and the flexibility they offer. According to this plan, a certain part of the premium is invested in listed equities, debt funds or bonds, and the balance is used to provide for life insurance and fund management expenses. The insured person or the nominee gets paid yields earned on investments or the sum assured, whichever is higher. The amount of the payment can vary depending on the insurance company as some insurance companies pay the value of the investment in addition to the sum assured.

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