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ULIP Returns in 30 Years

A 30-year ULIP policy can help you secure your financial future by offering life insurance coverage, the potential for higher returns through market-linked investments, and tax benefits. It is a flexible investment option that allows you to switch between funds and add riders to the policy.

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Features and Benefits of HDFC Life Sanchay Par Advantage

ULIP Returns in 30 Years

30 Years ULIP Returns
June 26, 2023


In this policy, the investment risks in the investment portfolio is borne by the policyholder

Many individuals looking to secure their financial future invest in Unit-Linked Insurance Plans (ULIPs). ULIPs offer the dual benefits of investment and insurance. They have a lock-in period of five years. During the lock-in, you cannot withdraw the investment. A ULIP investment for 30 years provides life coverage for 30 years and helps you invest in market-linked funds for the duration. Let’s delve deeper into 30-Year ULIPs and understand how they work.

What Is a 30-Year ULIP Policy?

A 30-year ULIP policy is a type of investment plan that combines insurance and investment options for a period of 30 years. The policyholder has to pay a premium for the plan. A part of the premium gets invested in different funds based on the policyholder’s choice. The rest goes towards the insurance cover, which provides financial protection to the policyholder’s family in case of an unfortunate event.

How Does a 30-Year ULIP Policy Work?

Let’s use an example to see how a ULIP for 30 years works. Samira, a 30-year-old IT professional, decides to invest in a ULIP policy with a 30-year term and a sum assured of Rs. 20 lakhs. She chooses a plan that offers a mix of equity and debt funds to achieve her long-term investment goals. In the first year of the policy, Samira pays a premium of Rs. 50,000. Part of the premium goes towards life insurance coverage, and the rest gets invested in the chosen funds. Over the years, the value of the funds fluctuates based on the market performance. Samira selected a plan allowing unlimited switches, so she could change her investment allocation to take advantage of market fluctuations. At the end of the 30-year term, Samira receives the maturity benefit, which is the fund value at the time of maturity.

Why Choose a 30-Year ULIP Policy?

Opting for a 30-year ULIP offers many benefits. Here’s why you should consider purchasing a long-term plan.

  • Market-linked Returns

    ULIPs provide market-linked returns on your debt and equity fund investments, helping you enjoy higher returns than traditional savings.

  • Flexibility

    When you invest in a ULIP, you can choose your fund portfolio and make changes to take advantage of market fluctuations. Some companies restrict the number of switches, so pick a plan that works for you.

  • Tax Benefits

    ULIPs are insurance plans and provide tax benefits under Section 80C# and Section 10(10D) of the Income Tax Act of 1961. The amount you invest enjoys tax deductions under Section 80C# of the Income Tax Act.

    Proceeds received on surrender/partial withdrawal/maturity of ULIP plan are exempt from tax subject to provisions mentioned in Section 10(10D) i.e if the premium payable for any of the years during the policy term does not exceeds 10% of the death sum assured.

    In addition to the above, for policies issued after 1st Feb 2021 tax exemption on maturity proceeds will be available if premium paid in any of the years towards such matured polices does not exceed Rs.2,50,000. Out of the total matured policies in a financial year, exemption u/s 10(10D) will be available only towards those polices who’s aggregate premium in any years does not exceed Rs. 2,50,000/.

    Income from rest of the policies exceeding the mentioned limit will be chargeable as capital gains.

    Death proceeds are also exempt from tax for all ULIP plans.

  • Life Coverage

    Your ULIP policy offers life coverage, providing your loved ones with a financial safety net in times of need.

  • Long-term Investment

    When you invest, the longer the tenure, the better. Your ULIP returns in 30 years will be much better than shorter investment periods. These plans help you meet your long-term financial goals.

  • Partial Withdrawals

    Insurance companies allow policyholders to make partial withdrawals from the accumulated funds in financial emergencies.

How Are 30-Year ULIP Policy Return Rates Calculated?

ULIP rates refer to the rate of return you can expect on your investment. The returns on your 30-year ULIP policy get calculated based on the performance of your funds. So, the returns depend on market conditions and the fund selection. The fund’s NAV (Net Asset Value) gets calculated daily, and the returns are calculated based on the change in NAV. While projecting your returns, remember your investment amount depends on the insurance company’s ULIP charges. The company deducts management, administration, and mortality charges before investing. Ensure you understand the company’s fees before selecting a ULIP.

A 30-year ULIP policy can help you meet your long-term goals while securing your family’s financial future. The combination of life coverage with investment opportunities helps you work towards a bright financial future with ease. Evaluate your risk appetite and long-term goals before selecting a plan.

Related Article

ARN - MC/05/23/2057

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Francis Rodrigues 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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Author Profile Written By:
Vishal Subharwal Vishal Subharwal

Vishal Subharwal heads the Strategy, Marketing, E-Commerce, Digital Business & Sustainability initiatives at HDFC Life. He is responsible for crafting and ensuring successful implementation of the overall organisation strategy.

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Reviewed by Life Insurance Experts


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 plans - protection, pension, savings, investment, annuity and health.

# Subject to conditions specified u/s 80C and u/s 10(10D) of the Income Tax Act, 1961.

The afore stated views are based on the current Income-tax law. Tax Laws are also subject to change from time to time. Also, the customer is requested to seek tax advice from his Chartered Accountant or personal tax advisor with respect to his personal tax liabilities under the Income-tax law.

The Unit Linked Insurance products do not offer any liquidity during the first five years of the contract. The policyholders will not be able to surrender or withdraw the monies invested in Unit Linked Insurance Products completely or partially till the end of fifth year.

Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. HDFC Life Insurance Company Limited is only the name of the Insurance Company, The name of the company, name of the contract does not in any way indicate the quality of the contract, its future prospects or returns. Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document of the insurer. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns.