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Top ULIP Myths That You Must Stop Believing In
Myth 1: ULIPs have high costs
Reality: Do you believe that ULIPs are very expensive? Let us start by understanding the structure of a ULIP. Every time you pay premium towards a ULIP to a life insurance company, the premium is invested in funds of your choice after deducting charges for services provided such as life insurance cover, fund management, etc.
Effective September 1,2010 the Insurance Regulatory and Development Authority of India (IRDAI) capped charges (excluding life insurance cover charges) that a life insurance company can charge on a ULIP at 2.25% if a customer stays in the product for more than 10 years1.
In addition, to these caps the emergence of online plans such as
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Francis Rodrigues
Francis Rodrigues has a decade long experience in the insurance sector, and as SVP, E-Commerce and Digital Marketing, HDFC Life, manages the online sales channel, as well as digital and performance marketing. He has had hands-on experience in setting up sales channels and functional teams from scratch over a career spanning 2 decades.
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HDFC Life
Reviewed by Life Insurance Experts
HDFC LIFE IS A TRUSTED LIFE INSURANCE PARTNER
We at HDFC Life are committed to offer innovative products and services that enable individuals live a ‘Life of Pride’. For over two decades we have been providing life insurance solutions - protection, pension, savings, investment, annuity and health.
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