• Webpages
  • Documents
  • HDFC Life ClassicAssure PlusInvestment
  • HDFC Life ClassicAssure PlusInvestment
  • HDFC Life ClassicAssure PlusInvestment

For NRI Customers

(To Buy a Policy)

(If you're our existing customer)

For Online Policy Purchase

(New and Ongoing Applications)

Branch Locator

For Existing Customers

(Issued Policy)

Fund Performance Check

ULIP Returns in 35 Years

35-year ULIPs can help you create long-term wealth while providing life cover and tax benefits. These plans are a good investment option for individuals looking to invest for the long term.

ULIP Returns in 40 YearsULIP Returns in 25 YearsULIP Returns in 20 YearsULIP Returns in 15 Years


We respect our customers' privacy and do not spam them.

I authorize HDFC Life and its representatives to contact me through Call, Email, SMS or WhatsApp. This consent overrides my registration under DNC / NDNC (this would mean we would contact you even if you are registered on any Do Not Disturb list).

Features and Benefits of HDFC Life Sanchay Par Advantage

ULIP Returns in 35 Years

ULIP Returns in 35 Years
July 03, 2023


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

Every young Indian today invests to secure their financial future. Unit-Linked Insurance Plans (ULIPs) provide investment opportunities while providing life insurance coverage, making these plans popular. ULIPs have the potential for high returns, enabling young investors to meet their long-term financial goals. Let's better understand how a ULIP investment for 35 years can benefit you.

What Is a 35-Year ULIP Policy?

A 35-year ULIP policy is a type of ULIP investment plan that provides insurance coverage for 35 years. When you purchase a ULIP for 35 years, you can grow your wealth over 35 years while enjoying life insurance coverage. The policy lets investors choose from various investment options, such as equity, debt, or a mix of both, based on their investment goals and risk appetite.

How Does a 35-Year ULIP Policy Work?

When you invest in a 35-year ULIP policy, you pay a premium at regular intervals for 35 years. The premium you pay gets divided into two parts. The smaller amount goes towards your insurance coverage, and the rest gets invested in various funds based on your investment choice.

The insurance company determines the maximum life coverage you have receive by evaluating your age, current health, premium amount, and income. If anything happens to you during the 35 years, your nominee receives a payout. The amount will be either the sum assured or the current fund value, whichever is higher. We can better understand how a 35-year ULIP works with an example. Meeta, a 25-year-old banker, decides to invest in a 35-year ULIP with a sum assured of INR 50 lakhs. She pays an annual premium that gets invested in a mix of equity and debt funds to help her meet her retirement goals. Over the next 35 years, Meeta invests regularly and rests assured that her family will receive financial support if anything happens to her. After she turns 60, Meeta's plan matures, and she gets a return on her investment.

Why Choose a 35-Year ULIP Policy?

Opting for a 35-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 good returns based on market performance.

  • Flexibility

    When you invest in a ULIP, you can choose your fund portfolio and make switches 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, subject to certain conditions

    The premiums paid towards ULIP policy are eligible for tax benefits under Section 80C# of the Income Tax Act, 1961.

    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.

    ULIP plans offer tax exemptions on the life insurance payout.

  • 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 35 years will be much better than shorter investment periods of 15 or 20 years. These plans help you meet your long-term financial goals.

  • Partial Withdrawals

    Insurance companies allow policyholders to make partial withdrawals after the lock-in period of five years. You can dip into the accumulated funds in financial emergencies.

How Are 35-Year ULIP Return Rates Calculated?

The ULIP rates for a 35-year policy depend on the premium amount, premium payment frequency, and the proportion of premium allocated towards insurance coverage and investment. The premium amount gets invested in the chosen funds. You receive the generated returns on maturity based on your payout option.

ULIP policies typically have four types of charges. They are premium allocation, fund management, mortality, and policy administration charges. These charges get deducted from the premium amount before investing in the funds.

To calculate the returns for a 35-year ULIP policy, the insurer considers the prevailing market conditions, the performance of the underlying funds, and the impact of charges on the premium amount.

A 35-year ULIP policy can help you create long-term wealth while providing life cover and tax benefits. With the flexibility to switch funds and the potential for high returns, a 35-year ULIP policy is a great investment option for individuals looking to invest for the long term. Consulting a financial advisor can help you make informed investment decisions and choose the right ULIP policy that meets your financial goals.

Related Article

ARN - MC/06/23/2605

Talk to an Advisor right away

Not sure which insurance to buy?

Talk to an
Advisor right away

Talk to an Advisor right away

We help you to choose best insurance plan based on your needs

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.

LinkedIn profile

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.

LinkedIn profile

Reviewed By Reviewed By:
HDFC life
HDFC life


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.