LITERATURE REVIEW ON ULIPS

The aggressive marketing strategies adopted by the private and foreign players have expanded the market for insurance. Life Insurance plans are issued by the company in the following categories: The BSE Sensex which had shot up to points came crashing down and stood at points on12th March and had greatly affected the Net Asset Value NAV across all the plans of various companies. The protection plans are purely traditional life insurance plan and hence is beyond the scope of this study. It observed that ULIPs are better suited to investors who have 20 years as their time horizon.

The primary objective for investing in such plans was found to be capital appreciation and children education. The comparison between different companies on the basis of such figures may not give a fair picture of the position of the company. The fund option which you have chosen: The major finding of this study is that the NAV for equity based fund options moves in tandem with Sensex while for debt based fund options it is not much affected by the movement of Sensex. Comparative study of performance of public and private sector in unit linked insurance plans.

It was found that the schemes where the investors have chosen equity based fund the returns are directly proportional to the stock market. For how many years you are planning to hold the said policy?

When human life is lost or a person literagure disabled permanently or temporarily, there is a loss of income to the household.

Hence we can conclude that the relation between the variables age of investors and preference for type of insurance are not significant and they are independent. Age of the investors does not affect the type of insurance policy chosen by them. It was found that the schemes where the investors have chosen equity based fund the returns are directly proportional to the stock market. In ULIPs a part of the investment goes towards providing you life cover.

  KHEL DIWAS ESSAY

Comparative study of performance of public and private sector in unit linked insurance plans. The fund option which you have chosen: The protection plans are purely traditional life insurance plan and hence is beyond the scope of this study. Enter the email address you signed up with and we’ll email you a reset link.

Ltd is the market leader in the unit linked plans market as can be seen from the survey of investors.

However with the growing popularity they also introduced new policies which helped them to increase the share of linked business to This helps in comparison of sales accurately.

The opening up of insurance sector in allowed private players into the market.

Of the total business, However, with the ever changing demands of customers a new product called ULIP was launched which combines the benefits of insurance, investment and tax benefits. Sometimes, survival itself is at stake for the dependants. This could be on account of the top-ups paid by the policy holders and high sum assured policies sold during the year. Have you encouraged others in rreview in ULIP?

This amount then reduced by The unit literafure insurance plans is not popular among high net worth individuals i. The premium collected by the life insurance company is in the form of regular premium and single premium policies.

  SERVICE PUBLIC PIERRE ANGULAIRE DU DROIT ADMINISTRATIF DISSERTATION

The BSE Sensex which shot up to points came crashing down and stood at points 12th March and had greatly affected the Net Asset Value NAV across all the plans of various financial institutions. They are neutral to the volatility shown by the stock market.

Hence we can conclude that the relation between the variables age of investors and preference for type of insurance are not significant and they are independent. Retirement plans — Life Stage Pension The researcher studied performance i. However, the NAV for Debt based options like preserver, protector and Investshield Cashbak was showing a consistent increase over a period u,ips time irrespective of movement in Sensex.

literature review on ulips

The investors found the allocation charges to be average and the consequent returns also to be average. It was observed that the switch option was not exercised by nearly half the investors.

In ULIPs a part of the investment goes towards providing you life cover. Income of the investors does not affect the fund option chosen by the investors.

literature review on ulips

Though Human life cannot be valued, a monetary sum could be determined which is based on loss of income in future years. Life insurance is insurance on human beings. It observed that ULIPs are better suited to investors who have 20 years as their time horizon.