ULIP Calculator
Updated July 2026
ULIPs combine insurance with market-linked investment. The number that decides the outcome is not the fund's return but the stack of charges — premium allocation, policy administration, fund management and mortality — taken before your money is invested.
ULIP Calculator
Frequently Asked Questions
What charges does a ULIP have?
Premium allocation, policy administration, fund management and mortality charges. These are heaviest in the early years, which is why surrendering early usually destroys value.
What is the ULIP lock-in?
Five years. Surrendering earlier means the proceeds sit in a discontinuance fund earning a minimal rate until the lock-in ends.
ULIP or mutual fund plus term?
Term insurance plus a mutual fund is usually cheaper and more transparent, and lets you change either leg independently. ULIP's case rests on bundling and its tax treatment.