1. Tax Advantages Beyond Section 80C

For investors looking to combine protection with long-term wealth creation, ULIPs are a powerful tool. They are best known for offering a dual layer of tax benefits.

· Tax-Free Maturity and Death Benefits (Section 10(10D)): The entire returns and maturity proceeds from your ULIP are tax-exempt under this section. The maturity proceeds are tax-free if the annual premium is ₹2.5 lakh or less, effectively enabling ZERO LTCG tax. Through market-linked growth and the power of compounding, a Systematic Investment Plan (SIP) in ULIPs can help investors accumulate a corpus worth crores over the long term, all of which can be tax-free upon maturity. The death benefit paid to the nominee is also fully tax-exempt, regardless of the premium amount.

· Tax De

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