Capital Protection:

• Insurance company guarantees
• Regulated by Insurance Regulatory Authority
• Asset-backed security
• Capital preservation focus
• Guaranteed minimum returns

Insurance Benefits:

• Life cover included in unit-linked plans
• Policyholder protection funds
• Estate planning advantages
• Tax-free death benefits
• Creditor protection features

Investment Features:

• Professional insurance fund management
• Regular bonus declarations
• Surrender value guarantees
• Loan against policy value
• Flexible premium payments

Regulated Security

All funds are managed by licensed insurance companies under IRA supervision with strict capital requirements

Capital Protection

Insurance guarantees and policyholder protection funds provide additional security over traditional investments

Tax Advantages

Unit-linked insurance plans offer tax-free investment growth and tax-free death benefits to beneficiaries

Dual Benefits

Combine investment growth with life insurance protection in a single, efficient financial product

Step 1: Choose Your Plan

Select from unit-linked insurance plans or standalone insurance investment funds

Step 2: Policy Issuance

Receive your insurance policy with an investment component and life cover benefits

Step 3: Monitor Growth

Track your fund performance through the online portal with regular bonus declarations

Current Average Industry Fund Performance:

• Secure Income Fund: 8-10% p.a. with capital guarantee
• Balanced Growth Fund: 10-12% p.a. with moderate risk
• Unit-Linked Funds: 12-15% p.a. with life cover

Insurance-Linked Benefits:

• Life insurance coverage included
• Guaranteed surrender values
• Policy loan facilities available
• Tax-free maturity benefits
• Estate planning advantages

Q1: How are insurance MMFs different from bank MMFs?

A1: Insurance funds include life cover, tax advantages, creditor protection, and are regulated by IRA instead of CMA.

Q2: What happens if the insurance company fails?

A2: Insurance companies are required to maintain strong capital reserves and policyholder protection funds provide additional security.

Q3: Can I withdraw my money early?

A3: Yes, with surrender values guaranteed after the first year, though long-term holding maximizes returns.

Q4: Are returns guaranteed?

A4: Most insurance funds offer guaranteed minimum returns with potential for higher performance-based bonuses.

Q5: What tax advantages do insurance investments offer?

A5: Investment growth is tax-free within the policy, and death benefits are paid tax-free to beneficiaries.

Testimonial 1:

"The unit-linked plan gave me both investment growth and life insurance in one product. The tax benefits saved me significantly at maturity."

- David M., Business Owner

Testimonial 2:

"Insurance company managed funds provided the security I wanted for my retirement savings, plus the life cover gives my family protection."

- Susan W., Teacher

IRA Regulated • Capital Protection • Tax Advantages