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Key Objectives

Protection + Savings
Protection + Savings + Investments

  • For growing wealth in the long term, insurance companies provide multiple investment opportunities
  • Depending on the risk appetite of the individual, insurance companies provide various investment options ranging from high equity exposure to high debt investment
  • Additionally, funds can be switched across equity and debt plans during the term of the policy
  • It is evident from the below chart, that investment in insurance products should be at an early age
  • The early that an individual starts investing, the greater is the growth of the investment in the insurance products
  • Hence, individuals are encouraged to start investing at an early age

For Individuals

Life Stage based

  • Upto
    35yrs

  • Early Working Stage
    (upto 35 years age)
  • Life Insurance  (Market Linked Products / ULIP)
  • Pension Plans (Market Linked Products / ULIP)
  • Upto
    45yrs

  • Mid Working Age
    (upto 45 years age)
  • Life Insurance (Market Linked Products / ULIP)
  • Pension Plans (Market Linked Products / ULIP)
  • Upto
    60yrs

  • Mid-Age
    (upto 60 years age)
  • Life Insurance (Market Linked Products / ULIP)
  • Pension Plans (Market Linked Products / ULIP)











  • Upto
    60+yrs

  • Sr. Age
    ( > 60 years age)


  • Annuities













For Individuals

Event based

  • Lumpsum Receipt
    (eg, Bonus, Sale of Asset, etc)
  • Life Insurance – Single Premium (Market Linked Products / ULIP)
  • Pension Plans– Single Premium (Market Linked Products / ULIP)