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From your first term plan to legacy transfer — structured, reviewed, and claim-ready.
Life & Risk Protection
Pure Term Plans · Critical Illness Cover · Comprehensive Family Mediclaim
Wealth & Guaranteed Solutions
Child Education Planning · Grand Wedding Corpus · Guaranteed Return/Endowment Plans · Mutual Fund Solutions
Retirement & Estate Design
Lifetime Pension/Annuity Structuring · Legacy Transfer
Business & Corporate Risk
Keyman Insurance · Business & Partnership Liability · Group Health Cover
General Insurance
Two-Wheeler · Private Car · Commercial Asset Insurance
Term, Endowment, or ULIP — which one, and why.
Every rupee of premium can only do one of two jobs: protect, or grow. These three products split that trade-off differently.
| Term Plan | Endowment Plan | ULIP | |
|---|---|---|---|
| Primary purpose | Pure life cover | Life cover + guaranteed savings | Life cover + market-linked investment |
| Premium for the same cover | Lowest | Higher | Higher |
| Maturity benefit | None — pure protection | Guaranteed sum assured + bonus | Market-linked fund value |
| Returns | Not applicable | Modest, guaranteed | Variable — market-linked, can be higher or lower |
| Liquidity | None until a claim | Limited, after a lock-in | Partial withdrawal after the 5-year lock-in |
| Charges | Minimal | Built into the premium | Fund management, mortality & admin charges |
| Best for | Maximum cover at the lowest cost | Disciplined, guaranteed saving alongside cover | Market-linked growth, comfortable with risk |
Illustrative comparison of how these product types typically work — exact terms, charges, and returns vary by insurer and plan. Talk to us for specifics on any product mentioned here.
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