Ulips

HDFC Life's non-par share declined sharply to 18 percent in H1FY26 from 32 percent a year ago, a deviation in an otherwise uniform industry tilt toward guaranteed-return products.

Canara HSBC Life banks on new agency, digital channels for next leg of growth amid IPO launch

No fresh fund infusion planned; insurer to fund expansion through internal accruals, says CEO Anuj Mathur

MC Exclusive | BimaPay eyes 30–40% volume from ULIPs, nears launch of fully digital loan against life insurance platform

Loans against life insurance policies is a practice that’s long existed in the offline world. But the process is full of delays and paperwork. BimaPay aims to eliminate that friction.

Rationale behind composite licensing remains unclear, says Shubhra Goel

The MD of the global professional services Firm also says that life insurance companies are likely to continue scaling back their exposure to ULIPs in FY26, particularly in the face of market volatility

In-demand ULIPs drive topline, but insurers cautious to limit over-exposure

ULIPs being market-linked, are inherently volatile and have relatively lower margins and persistency ratios, insurers have said hinting that they aim to reduce its share further, to achieve a more ‘balanced’ product mix.

HDFC Life eyes protection growth and unit-linked moderation in FY26: CFO Niraj Shah

CFO Niraj Shah also says he anticipates the company transitioning to a risk-based capital regime within the next 12 to 18 months

Pramerica Insurance retains Rs 3,000-crore FY26 target despite MFI slowdown impact: CEO

Pankaj Gupta also says the company is set to significantly boost its ULIP portfolio, aiming to increase its exposure from 10 percent in FY25 to 25-50 percent by FY28.

PNB MetLife launches pension premier multi-cap fund in partnership with Policybazaar

The fund will be open for subscription till April 15 at an initial Net Asset Value of Rs 10

Axis Max Life introduces STAR ULIP with dual focus on protection and wealth

The plan includes coverage for accidental death and total and permanent disability, with optional riders available for further customisation

Axis Max Life aims to dial back ULIP exposure amid margin decline

Product mix shift, high ULIP sales, and new surrender norms impacted margins by 4 percent, said CFO Amrit Singh in an interaction

Centre's ULIP tax clarification may push insurers, policyholders towards new products

While ULIP sales have significantly driven premium growth for private insurers, a downturn in market stability typically leads to reduced demand for ULIPs, with effects usually seen nine to twelve months later

Centre clarifies tax regulations for ULIPs; Premium cap and capital gains tax on non-exempt policies

Under the previous rules, if the annual premium for ULIPs was up to Rs 2.5 lakh, the maturity amount was tax-free after a five-year lock-in period

ICICI Prudential Life: Poised to deliver strong growth

After 4-5 years of no growth and only margin expansion, ICICI Pru has delivered robust growth in the past four quarters

7 reformed ULIPs with lowest charges to maximize your returns

Unit-Linked Insurance Plans (ULIPs) have come a long way from their high-cost days, thanks to reformed regulations that cap various charges, making them a viable option for wealth creation and insurance. T

Insurers launch small, midcap funds to ride the market rally. Should you invest?

After Bajaj Allianz Life Insurance launched its small-cap ULIP, now comes Tata-AIA Life and Max Life Insurance’s own policies. But beware: these qre not your usual small-cap mutual fund schemes. These are insurance policies masquerading as investment products. Look before you leap.

Beware! Insurance agents pushing high-premium policies before March 31 to escape tax

Budget 2023 made insurance policies taxable at maturity if annual premiums exceed Rs 5 lakh. Since this will be effective April 1, some agents are hard-selling them.

Money triumphs and pitfalls: How two 75 year olds navigated their finances with India’s independence journey

Indians who have crossed the milestone of 75 years share their financial triumphs and regrets during their younger days as well as silver years. Learn the right money lessons from their experiences to ensure a clear pathway towards financial freedom.

7 common mistakes that people make when it comes to life insurance

Not having adequate cover during your life’s journey to achieve your financial goals is akin to doing a trapeze act without a safety net. Unfortunately, people realise this only when it’s too late.

Personal Finance | Recast ULIP focus more on investor returns than insurance 

Contemporary ULIPs are positioned as investment solutions that are low cost and offer decent returns in addition to life insurance that is embedded in them 

Here are the top 10 stocks of ULIPs managed by LIC

ULIPs accounted for less than a percent ( or Rs 24,775 crore) of LIC's overall assets under management as of March 2021

10 popular stocks that midcap ULIP funds hold

Most of the life insurers disclose only the top 10 or 20 holdings of their fund’s portfolio

How highest NAV guaranteed ULIPs (mis)-sold years ago are coming to haunt policyholders now

In Highest-NAV-guarantee Ulips life insurers failed to clarify that the ‘highest NAV’ was not the same as highest market levels

Mutual funds score over ULIPs in making the most of the midcap stocks rally

Going overboard on defensive sectors hurt the performance of midcap ULIP funds last year. But their long-term track record is still impressive

What HNIs buying ULIPs for income-tax benefits must do now

Unit-linked insurance plans are now taxable beyond a threshold. What are the alternatives for HNIs who ploughed in high premiums into ULIPs?