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Unit Linked Insurance Plans (ULIP)

At Vivaan Capital, our Unit Linked Insurance Plans (ULIPs) are designed to offer the perfect blend of protection and growth. ULIPs provide life insurance coverage while allowing you to invest in market-linked instruments such as equity, debt, or hybrid funds — giving you the advantage of financial security and wealth creation in a single plan.

With flexible investment options, ULIPs empower you to align your financial strategy with your life goals. Whether you’re planning for retirement, your child’s education, or long-term wealth building, ULIPs offer the dual benefit of protection and performance-driven returns under expert guidance.

Why Choose a ULIP from Vivaan Capital?

  • 1. Dual Benefits: Secure your family’s future with life insurance while growing your wealth through professionally managed investments.
  • 2. Wealth Creation: Access diversified market-linked funds with the potential for higher long-term returns compared to traditional savings plans.
  • 3. Tax Efficiency: Enjoy tax benefits under Section 80C for premiums paid and Section 10(10D) for maturity proceeds, subject to applicable conditions.
  • 4. Flexibility & Control: Choose or switch between funds based on your market outlook and financial goals. You can even top up your investment anytime.
  • 5. Long-Term Value: Build lasting financial strength with disciplined investing and the power of compounding over time.

Key Features of ULIPs

  • Investment Options: Select from a range of equity, debt, and balanced funds according to your risk appetite.
  • Fund Switching: Move investments between funds to adapt to changing market conditions without tax implications.
  • Partial Withdrawals: Access funds after the 5-year lock-in period to meet emergency needs without surrendering your policy.
  • Top-Up Facility: Boost your investments anytime for higher returns without affecting life cover.
  • Life Protection: Secure your loved ones with a life cover that ensures financial stability in your absence.

Benefits of ULIPs

  • Wealth Accumulation: Grow your money over time with exposure to high-performing market funds.
  • Tax Savings: Gain dual tax benefits on premium payments and maturity returns.
  • Transparency: Get regular updates and track your investments easily through online access.
  • Goal-Oriented Planning: Whether for education, retirement, or legacy creation — ULIPs help you meet your financial milestones efficiently.

FAQs on Unit Linked Insurance Plans (ULIP)

  • 1. What is the lock-in period for ULIPs?

    ULIPs have a mandatory lock-in period of 5 years, encouraging long-term financial discipline and consistent growth.

  • 2. Can I switch between funds?

    Yes, Vivaan Capital ULIPs allow fund switching to align your investments with changing market conditions and goals.

  • 3. What if I miss a premium payment?

    You can revive your policy within the grace period by paying the pending premium and applicable charges to keep your plan active.

  • 4. Are ULIPs suitable for short-term goals?

    No, ULIPs are best for long-term goals like wealth creation and retirement planning, as returns depend on market performance and time horizon.

  • 5. Can I withdraw money before the lock-in period?

    No, withdrawals are allowed only after the completion of the 5-year lock-in period.

  • 6. What are the tax benefits?

    Premiums qualify for deductions under Section 80C, and maturity proceeds are tax-free under Section 10(10D), subject to applicable conditions.

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