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Is ETLI ULIP worth it?

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12 Dec, 2022 by  Aarav Mehta

I am a new earner and have been looking to invest in ULIP. I asked around in friend circle, and ETLI's name kept coming. Can an expert/advisor here please tell me if their ULIP plan is worth it? What are their typical returns? Anything I should be aware of in advance before investing in ULIP, in general?


Thanks :)

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Dear Aarav,

Investments and Insurance is 2 different things follow a systematic process.


ULIPS gives you INSURANCE AND INVESTMENT Returns as it is invested in the capital market it can not be guaranteed .


Average returns in ULIPs vary from 6.5% to 20% based upon the market and age of person as there is mortality charges.


If your agenda is to get more returns then investing in ULIPS will not be beneficial you can invest in Mutualfund’s , Shares , Bonds, NCDS or alternative investments.


Before investing buy Term Insurance and Have a proper Health cover so that investments are not getting affected because of health emergency.


Thanks and Regards

Vikram Aralikatty,CFP


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