ULIP vs Term + MF
Which Gives More Money?
Real Comparison
Compare final corpus from ULIP versus buying term insurance and investing the rest in mutual funds. Includes all charges, LTCG tax, and realistic return assumptions.
ULIP vs Term + Mutual Fund
Compare the final corpus — which gives you more money?
ULIP vs Term + MF at a Glance
The key numbers that decide the winner
ULIP vs Term + MF Guide
Why "buy term, invest the rest" almost always wins
The Core Argument
ULIPs bundle insurance + investment, which sounds convenient but comes at high cost. Term insurance gives maximum cover cheapest; mutual funds invest most efficiently. Separating them beats the bundle in almost every 15yr+ scenario.
The Numbers Don't Lie
When ULIP Has Edge
- You need automatic rebalancing (equity↔debt)
- Disciplined investor who would otherwise not invest
- Need tax-free maturity above ₹1.5L (within ₹2.5L limit)
- Low-charge ULIP (under 1.5% effective)
When to Surrender ULIP
- After 5-year lock-in is complete
- IRR from ULIP below 7% p.a.
- You have better risk tolerance for pure equity MF
- You can get separate term + SIP at lower effective cost
Frequently Asked Questions
ULIP vs Term + MF questions answered
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