The pension plans work for the retirement and that is the reason why people refrain from investing in the Unit linked pension plans. These plans are linked to the equity market and the associated risk is also quite high. The retirement benefit may become very less if the investment in the equity market doesn't work. The equity market is the volatile market. The profits may turn to loss if not handled properly. The retirement funds are not good to be invested in volatile market but the same can now be tackled as the new regulations have introduced capital protection clause for the investments made in ULPP.

The investor may now get back at least the amount paid as premium in the ULPP. The protection is offered on the principle amount and the investor may get back whatever he has paid without any additions even if the market takes a negative stand. There would be no profit or interest gain in such condition but the investor may get his savings back in the actual form. The insurance is quite a long term investment and the profit addition is slow and steady. The no profit scenario is not possible to happen but the profit may surely reduce in the poor equity growth. The insurers promise up to 195% returns but these returns usually differ as per the market situation.

The ULPP may have the associated risk but at the same time earning opportunity is also good. Money can be multiplied fast with proper planning of funds. The switch options are offered with most of the plans where the policy holder can manage the funds from high risk high return investments to low risk low return funds according to market fluctuations.

If you also have any investment plans then investing in ULPP can surely be a right decision.

 

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Pension Plan
Retirement no more remains the time to retire from responsibilities and fun. People now opt to retire with grace and indulge in traveling and fun in their free time. The retirement period is considered to be the opportunity to indulge in all those activities which were not possible in corporate job routine. All this requires you to have enough money and hence proper savings is essential. You need to keep provision for retirement in such a way that you get pension equivalent to the salary even after retirement. The insurance companies are aware of this fact and have come up with various pension plans to offer you the graceful retirement.

These pension plans must be availed at early age so that you can get better pension by paying lower premium. You can pay regular premium for 10 to 30 years of term so as to get the regular pension later on retirement. The retirement age can also be decided from 40 years to 65 years of age depending on the company policy. If you don't want regular pension then you can also opt for the lump sum payout at the end of the policy term. You can also use some part of this payout to avail annuity on regular basis.

The pension plan is also available on payment of single premium. In case of single premium, the annuity starts immediately on monthly, quarterly or yearly basis. The returns would vary from plan to plan and company to company. Some of the pension plans are also market linked. The insurance companies offer the option of Pension Plan for the entire life of insured and even for the entire life of spouse in case of early death of insured. Thus, these plans would offer the complete protection for your later age.

You can get the details of these pension plans from the official websites of the insurance companies. If you are still confused about what to select then you can compare these plans through our online comparison tool. We will offer you the comparison of the pension plans from all the renowned insurance companies at the click of a button. You can select the Pension Plan that suits your requirement and we will ensure that you are connected to the respective insurance company through easy process. We will get you the best deal so as to save your money for future.