Best ULIP Plans in India 2025 –In case you are an individual who wants an ideal combination of life and investment, ULIPs (Unit Linked Insurance Plans) are excellent in 2025. They can make you multiply your wealth besides ensuring you have a future with your family- something every smart investor desires to attain.
In this paper, we shall discuss the best ULIP plans in India 2025, their features, pros, and the reason as to why ULIPs remain popular among the new generation investors.
What is a ULIP?
Unit Linked Insurance Plan (ULIP) is a financial plan that involves a life insurance cover and an investment return, which is determined by the market.
Here’s how it works:
- Part of your premium goes towards life insurance coverage.
- The remaining portion is invested in equity, debt, or balanced funds based on your preference.
This gives you both protection and long-term wealth creation under one plan.
Why ULIPs Are Popular in 2025
By the year 2025, ULIPs will have become a flexible, transparent and high-return investment product. Low cost charges, fund switching facilities, and improved online management facilities are available now in insurance companies.
Here are some key reasons why ULIPs are gaining popularity:
- Dual benefit of insurance + investment
- Tax savings under Section 80C and 10(10D)
- Long-term wealth creation potential
- Transparency in fund performance
- Flexibility to switch between equity and debt funds
Factors to Consider Before Choosing a ULIP
Before picking the right ULIP, keep these points in mind:
- Investment Objective: Decide if you want long-term wealth creation, child education, or retirement planning.
- Fund Options: Choose a plan offering equity, debt, and hybrid funds with easy switching.
- Charges: Compare premium allocation and fund management charges.
- Lock-in Period: Minimum lock-in is 5 years — ideal for disciplined investors.
- Claim Settlement Ratio: Higher ratio indicates better reliability.
Top ULIP Plans in India 2025
Here’s a list of some of the best ULIP plans available this year based on performance, fund flexibility, and benefits:
1. HDFC Life Click 2 Wealth
- No premium allocation or policy administration charges
- Offers loyalty additions and wealth boosters
- Suitable for long-term investors seeking equity growth
2. ICICI Pru Signature ULIP
- Zero policy administration charges
- Choice of multiple fund options
- Wealth boosters added regularly
3. SBI Life eWealth Insurance
- 100% premium allocation in funds
- Offers both Growth and Balanced options
- Ideal for first-time ULIP investors
4. Bajaj Allianz Life Goal Assure
- Return of mortality charges at maturity
- Loyalty additions every year
- Option to change between funds anytime
5. Max Life Online Savings Plan
- Combines insurance and investment for long-term goals
- Transparency in fund performance
- Easy online management
Tax Benefits of ULIPs
ULIPs qualify for tax deductions under Section 80C (up to ₹1.5 lakh) on premiums paid.
Additionally, maturity proceeds are tax-free under Section 10(10D) (subject to conditions).
This makes ULIPs a smart choice for those looking to save taxes while building wealth.
Why ULIPs Are Worth Considering in 2025
With improved transparency, reduced charges, and strong digital tools, ULIPs in 2025 are no longer the high-cost products they once were.
They’re now ideal for:
- Long-term investors
- Tax planners
- Parents saving for child education
- Individuals looking for disciplined wealth growth
Final Thoughts
ULIPs have evolved a long way and remain to be among the most balanced financial products in India. You are an aggressive investor who wants to get market returns or a conservative investor who wants to be stable in 2025, there is a ULIP plan that fits your purpose.
Performance, charges, and benefits Before investing, compare the performance of funds, charges, and benefits and select a ULIP that fits your financial dreams and the security of your family.
Braj Verma is a resident of Rajgarh in Madhya Pradesh and is a content writer and freelancer by profession. He has a degree in Political Science from Barkatullah University, Bhopal. He has expertise in subjects like credit cards, banking, loan, insurance, political analysis and digital marketing.