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Term Insurance v/s ULIPs

Term insurance is suggested over Ulips because they serve the basic purpose of insurance, which is risk cover…

Why is term insurance policy recommended over unit-linked insurance plans (Ulips)?
- Satya Naresh

Term insurance plans and unit-linked insurance plans (Ulips) are two completely different products and, therefore, cannot be compared. While, term insurance plans cover the life risk of the policyholder, Ulips are predominantly investment products laced with life risk cover. Term insurance plans are suggested over Ulips is that they are focused on risk cover which is the prime objective of opting for insurance policies. Also, since premiums in term insurance plans are low, one can go in for adequate amount of cover for relatively lower premium costs.

This article was originally published on March 16, 2011.

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