Leading of Unit Linked Insurance Services, Wealth Gain Life Insurance, Wealth Management Services and Wealth Plus Financial Services from Jodhpur.

A Unit Linked Insurance Plan (ULIP) is a life insurance plan that offers dual benefits of investing your money in the market for your future goals and get life cover to financially protect your family in case of any unprecedented event. Due to this dual benefit of wealth creation and protection, ULIPs have an edge over traditional life insurance plans. Basis your risk-appetite and life goals, a ULIP allows you to invest in equity and debt funds. You can fulfil your goals such as buying a house or funding your children’s higher education with a ULIP.

How Does A Unit Linked Insurance Plan Work?
A Unit Linked Insurance Plan (ULIP) is a financial instrument, which combines the benefits of market-linked investment and life insurance. This means that along with providing you life cover, your investment is diversified in the market and returns are incidental to the market performance, helping you generate better returns in the long-term.

Investments in ULIP can be customized as per preferences. You can choose to invest in a bouquet of diverse funds, including equity, debt, and balanced funds, basis your risk appetite. Generally, investors seeking lower risk may opt for debt funds, while equity is preferred by investors willing to take higher risks. If you are someone looking for a combination of equity and debt funds where risk is moderate and returns are higher than debt funds, then balanced funds are the right choice for you! Please find here our list of funds.

Moreover, premium amount paid toward ULIP is eligible for tax benefits up to ₹1,50,000 under Sections 80C and returns upon maturity are exempt under Section 10(10D) if conditions of Income Tax Act, 1961, are fulfilled#.  You need to continue your ULIP for 5 years to continue tax exemptions.

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Benefits of Wealth Gain+

 

Dual Benefits

 

All good things come in two’s! That’s why we want to help in both by providing you with a life cover and a way to grow your wealth. 

 

Nil Allocation Charges

 

No unnecessary charges here! With Edelweiss Tokio Life Wealth Gain+, you don’t have to deal with any extra charges. This means we won’t charge you for things like premium allocation or policy administration. 

 

Return of Mortality Charge

 

It’s your life, your money, and we believe in returning all your dues. That is why, with Edelweiss Tokio Life Wealth Gain+, whatever amount is taken from your investment as life cover will be returned to you at maturity. 

 

Additions to the Plan

 

Long-term commitments are more fruitful! We like those who stay with us for the long term, that is why we give them additions which enhance the maturity value. By getting this plan, you can also be rewarded with Booster Additions at the end of your 15th and 20th policy year and Loyalty Additions annually from the end of your 10th policy year. 

 

Investment Strategies

 

It’s time to grow your wealth! You can go about this in 2 ways. The first is through a Self-managed Strategy, where you get to make unlimited switches between funds. The second way is through the Life Stage and Duration Strategy where our team of experts will help you decide how to make your investments depending on your personal details.

 

Tax Benefit³

 

We dislike deductions as much as you. You get tax benefits on premiums paid under section 80 (C) and on the maturity benefit under section 10 (10D).

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Benefits Of Wealth Ultima

 

Systematic Monthly Plan (SMP)

 

Paying a big amount, in one go can be a hassle! That is why we give you the chance to opt for the Systematic Monthly Plan. With this feature, you can pay your premiums on a monthly basis and get safeguarded from erratic market fluctuations through a smaller premium amount.

 

Investment Options

 

Your choice or ours? You can opt for the Self-managed Investment Strategy, through which you get unlimited switches between funds. Alternatively, we offer the Systematic Transfer Plan (STP) that comes with two options - With the Life Stage and Duration based STP, we manage your funds according to your life stage, and Profit Target based STP protects your profits by shifting it to a bond fund.

 

Systematic Withdrawal Plan (SWP)

 

Make Retirement Easy! From the 10th year, you can choose to receive your payout in the form of regular installments. These installments will be a pre-decided percentage of your fund value and you can decide when and how you want to receive it. With this, you can plan your source of income for a relaxed retired life.

 

Fund Additions

 

A little extra to show that we care! We reward those who stay with us for a long time by routinely making additions to their funds over the years. Guaranteed Additions and Loyalty Additions are added annually starting from your 6th policy year and Booster Additions are added every 5 years starting from the 10th year of your policy. 

 

Tax Benefits³

 

No deductions, no worries! You get tax benefits on premiums paid under section 80 (C) and on the maturity benefit under section 10 (10D).

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Benefits Of Wealth Plus

 

Additional Allocations

 

We like to treat our friends!  This amount starts at 1% of your annual premium for the first 5 years and increases by 2% every 5 years. 

 

Rising Star Benefit

 

Children carry the hope of a brighter future and nothing should diminish their potential. That is why this optional benefit provides an additional payout to your child in case you are no longer around, waives off any future premiums and keeps the policy benefits intact. 

 

Investment Strategies

 

Strategy is the name of the game! You can choose from different types of investment strategies to start growing your wealth. The first is the Self-managed Strategy where you make all the decisions, aided by the power of unlimited switches between funds. The second is the Life Stage and Duration Strategy, where our team of experts manage the funds for you. 

 

Easy Liquidity Option

 

No one likes to wait! You don’t need to wait till the end of your policy term to start getting your returns. From the 6th policy year onwards, you can start making partial withdrawals from your fund value as per your needs. 

 

Top-Up Premium Option

 

A little extra goes a long way! Invest any extra funds you have into the policy at your leisure. These extra additions maximize your fund value and get you better returns!

 

Tax³ Benefits

No more deductions! The premiums paid under this plan are eligible for tax benefit under Section 80(C) and the returns you get are eligible for tax benefit under Section 10(10D).

Tax³ Benefits

No more deductions! The premiums paid under this plan are eligible for tax benefit under Section 80(C) and the returns you get are eligible for tax benefit under Section 10(10D).

Tax³ Benefits

No more deductions! The premiums paid under this plan are eligible for tax benefit under Section 80(C) and the returns you get are eligible for tax benefit under Section 10(10D).

Tax³ Benefits

No more deductions! The premiums paid under this plan are eligible for tax benefit under Section 80(C) and the returns you get are eligible for tax benefit under Section 10(10D).

 
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