ULIP plans come with market risk, and returns are not guaranteed. The policyholder bears the investment risk, which can vary depending on factors such as fund performance, mortality charges, allocation, policy administration fees, and rider costs. The illustrated rates of 4% and 8% are neither the minimum nor maximum returns that policyholders may receive.

The maturity amount of Rs. 1 Cr. is based on a 30-year-old healthy individual investing Rs. 10,000 per month for 30 years, assuming an annual return of 8%. However, this amount is not guaranteed and can vary based on multiple factors, including future investment performance. The policyholder bears the investment risk, and life insurance coverage is included in this product.

Similarly, the maturity amount of Rs. 50 Lakhs. is based on the same individual investing the same amount for the same duration but with an assumed annual return of 4%. Like the previous scenario, this amount is also subject to market fluctuations and is not guaranteed. The policyholder bears the investment risk, and life insurance coverage is included in this product.