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    4 Important Features ULIP Investors must Know!

    Last Updated On 01-08-2016

    What is ULIP?

    ULIP refers to Unit Linked Insurance Plan which is a combination of insurance and investment. It involves a monthly or annual premium monthly. Out of this premium a small amount is dedicated towards life insurance while the remaining is invested as in a mutual fund.

    Here is why you should invest in ULIPs

    • ULIP allows you to customise your saving’s schedule by making use of its features such as withdrawals, multiple fund options, different premium payment options and modes.
    • By making monthly investments it inculcates the habit of investing. This also helps in averaging the costs of units. To pay any investible surplus available you can use the top up option. Not only do they reduce the overall cost for the policy holder but also increase the life cover.
    • You can estimate one’s insurance requirement by using the Human Life Value Calculator and then decide on an amount to fulfill your future financial needs,so that you can adjust them during inflation.
    • The premium paid is invested in one or more fund options in a ULIP post the applicable charges. These fund options have varying asset locations between equity and debt which ensures that a portion of your money is secure at all times.

    A single ULIP if used well can take care of one’s future goals at different life stages. By investing in a single ULIP you can exempt yourself from the administrative costs incurred every time you buy a new ULIP. ULIPs offer flexibility and transparency which make them the perfect choice to invest in the market.

    To know more about health insurance plan, Term Insurance browse the website for various Term Plans offered by PNB MetLife

    *Tax benefits are subject to conditions and other provisions of the Indian tax laws and are subject to amendments made thereto from time to time.


    The aforesaid article presents the view or an independent writer who is an expert on financial and insurance matters. PNB MetLife India Insurance Co. Ltd. doesn’t influence or support views of the writer of the article in any way. The article is informative in nature and PNB MetLife and/ or the writer of the article shall not be responsible for any direct/ indirect loss or liability incurred by the reader for taking any decisions based on the contents and information given in article. Please consult your financial advisor/ insurance advisor/ before making any decision.

    PNB MetLife India Insurance Company Limited, Registered office address: Unit No. 701, 702 & 703, 7th Floor, West Wing, Raheja Towers, 26/27 M G Road, Bangalore -560001, Karnataka.
    IRDAI Registration Number 117. CI No: U66010KA2001PLC028883. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding the sale.
    The marks “PNB” and “MetLife” are registered trademarks of Punjab National Bank and Metropolitan Life Insurance Company, respectively. PNB MetLife India Insurance Company Limited is a licensed user of these marks.
    Call us Toll-free at 1-800-425-6969 Phone: 080-66006969, Website:, Email: or Write to us: 1st Floor, Techniplex -1, Techniplex Complex, Off Veer Savarkar Flyover, Goregaon (West), Mumbai – 400062, Maharashtra. Phone: +91-22-41790000, Fax: +91-22-41790203

    EC262 LD/2019-20/273

    • IRDAI is not involved in activities like selling policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.


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    Collapsed Expanded

    As your trusted life insurance partner, PNB MetLife is with you amidst the current COVID-19 outbreak. Our policies also cover COVID-19 Claims. In case of a Death Claim, kindly submit the signed Claim Intimation Letter mentioning the policy number, brief of the insured event and other claim documents on the email mentioned herewith. Please write-in to us at or You can also call us on 1800-425-6969 for death claims intimations and for any queries on Monday - Saturday between 10:00 am - 7:00 pm.

    PNB MetLife Insurance, amongst the trusted Life Insurance companies in India, aims to provide a wide range of Life Insurance products that suits the needs of an individual at every stage of his life. Life Insurance Plans range from Term Life Insurance PlansTerm PlanProtection PlansLong Term Savings Plans , Retirement Plans & Child Education Plan.

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