CRISIL Unit Linked Insurance

Plan (ULIP) Ranking

As on March 2021
Contents
ULIP categories ........................................................................................................................................................... 3
Cluster ranking ............................................................................................................................................................ 4
ULIP Ranking ............................................................................................................................................................... 5
Offline: Wealth I – Regular - 10-year policy term ....................................................................................................... 5
Offline: Wealth I – Single - 10-year policy term ....................................................................................................... 10
Offline: Wealth II – Regular - 10-year policy term .................................................................................................... 17
Offline: Child - 10-year policy term .......................................................................................................................... 18
Offline: Wealth I – Regular - 20-year policy term ..................................................................................................... 19
Offline: Wealth I – Single - 20-year policy term ....................................................................................................... 26
Offline: Wealth II - Regular - 20-year policy term..................................................................................................... 30
Offline: Child - 20-year policy term .......................................................................................................................... 31
Online: Wealth I – Regular - 10-year policy term ..................................................................................................... 32
Online: Wealth I – Single - 10-year policy term ....................................................................................................... 36
Online: Wealth I – Regular - 20-year policy term ..................................................................................................... 37
Online: Wealth I – Single - 20-year policy term ....................................................................................................... 42

2
ULIP categories
For the purpose of ranking, ULIPs are classified under four categories: Wealth I – Regular, Wealth I – Single,
Wealth II – Regular and Child.

Sr. No. Category Description

1 Wealth I – Regular
2 Wealth I – Single
3 Wealth II – Regular
4 Child
These are conventional ULIPs, where an investor pays regular premiums until the policy matures
and receives fund value on maturity. Such policies offer the higher of sum assured, minimum
death benefit or fund value in the event of death of the insured.
These are conventional ULIPs, where an investor pays a one-time premium and receives fund
value on maturity. Such policies offer the higher of sum assured, minimum death benefit or fund
value in the event of death of the insured.
These are conventional ULIPs, where an investor pays regular premium until the policy matures
and receives fund value on maturity. Such policies offer both sum assured and fund value in the
event of death of the insured.
The primary life insured is the parent and in case of the parent’s death, the child receives the
sum assured immediately, and future premiums are waived off and on maturity fund value is
given to the child.

Online products have been brought under the purview of ULIP ranking from September 2019. These include 29
unique products and a total of 119 variants. The products have been categorised as:

● Wealth I – Regular

● Wealth I – Single
There are not enough online Wealth II and Child products to be ranked as of now.

3
Cluster ranking
Definition and interpretation of cluster ranks:

Cluster Rank* Interpretation - Cost Interpretation – Performance

1 Low cost Very good performance in the category (top 10 percentile of the ranked universe)
2 Below average cost Good performance in the category
3 Average cost Average performance in the category
4 Above average cost Below average performance in the category
5 Relatively high cost Relatively weak performance in the category
* If the top 10 percentile figure is not an integer, the same is rounded off to the nearest integer. The same approach is adopted for CRISIL ULIP
Rank 2 (11th to 30th percentile), CRISIL ULIP Rank 5 (last 91st to 100th percentile) and CRISIL ULIP Rank 4 (71st to 90th percentile) clusters. The
residual schemes in the universe are placed under CRISIL ULIP Rank 3.

4
ULIP Ranking
Offline: Wealth I – Regular - 10-year policy term
Cost Rank*
Insurance
Multi Cap Debt Short
Company ULIP @ 1 lakh @ 6 lakh Large Cap Oriented Mid Cap Oriented Debt Long Term
Oriented Term
Name premium premium

Edelweiss Wealth Secure+ 1 1 Equity Large - - - Equity Top 250 - - - - Bond Fund
Tokio Life - Base Cap Fund
3 - - - 3 - - - - 3
Edelweiss Wealth Ultima 1 3 Equity Large - - - Equity Top 250 - - - - Bond Fund
Tokio Life Cap Fund
3 - - - 3 - - - - 3
Reliance Prosperity Plus 1 1 Life Equity - - - - - - Life - -
Nippon Life Fund 3 Corporate
Bond Fund
1
3 - - - - - - 5 - -
Bajaj Allianz Future Gain 2 2 Bluechip Equity - - - Accelerator - Bond Fund - -
Life Equity Fund Growth Mid-Cap Fund
Fund II II
2 2 - - - 3 - 3 - -
Bajaj Allianz Future Wealth 2 2 Bluechip Equity - - - Accelerator - Bond Fund - -
Life Gain - Wealth Equity Fund Growth Mid-Cap Fund
Plus Fund II II
2 2 - - - 3 - 3 - -
Bajaj Allianz Goal Based 2 2 Bluechip Equity - - - Accelerator - Bond Fund - -
Life Saving Equity Fund Growth Mid-Cap Fund
Fund II II
2 2 - - - 3 - 3 - -
5
 Cost Rank*
Insurance
Multi Cap Debt Short
Company ULIP @ 1 lakh @ 6 lakh Large Cap Oriented Mid Cap Oriented Debt Long Term
Oriented Term
Name premium premium

Bajaj Allianz Smart Wealth 2 4 Bluechip Equity - - - Accelerator - Bond Fund - -

Life Goal - Wealth Equity Fund Growth Mid-Cap Fund
Variant Fund II II
2 2 - - - 3 - 3 - -
Bharti AXA Grow Wealth 2 1 Grow Money - - - Growth - - Steady - -
Life Plus Fund Opportunities Money Fund
Plus Fund
1 - - - 2 - - 2 - -
Shriram Life Growth Plus 2 3 Accelerator - - - - - - Preserver - -
5 - - - - - - 2 - -

Aditya Birla Wealth Aspire - 3 3 Maximiser Super 20 - - - Multiplier Value & Income - Assure
Sun life Classic Option Momentum Advantage
Fund
3 2 - - - 4 5 2 - 2
Bharti AXA Wealth Pro - 3 3 Grow Money - - - Growth - - Steady - -
Life Growth Plus Fund Opportunities Money Fund
Plus Fund
1 - - - 2 - - 2 - -
DHFL Wealth 3 2 Large Cap - - - - - - Debt Fund - -
Pramerica Maximiser Equity Fund
Life

4 - - - - - - 3 - -
Kotak Life Ace Investment 3 4 Frontline - - - Classic - - Dynamic - -
Equity Fund Opportunities Bond Fund
Fund
3 - - - 3 - - 3 - -

6
 Cost Rank*
Insurance
Multi Cap Debt Short
Company ULIP @ 1 lakh @ 6 lakh Large Cap Oriented Mid Cap Oriented Debt Long Term
Oriented Term
Name premium premium

Kotak Life Invest Maxima 3 - Frontline - - - Classic - - Dynamic - -

Equity Fund Opportunities Bond Fund
Fund
3 - - - 3 - - 3 - -
Kotak Life Platinum 3 3 Frontline - - - Classic - - Dynamic - -
Equity Fund Opportunities Bond Fund
Fund
3 - - - 3 - - 3 - -
Max Life Flexi Wealth 3 3 Growth - - - - High Growth - Secure Secure -
Plus - Wealth Super Fund Fund Fund Plus
Fund
2 - - - - 2 - 4 3 -
Reliance Smart Savings 3 2 Life Equity - - - - - - Life - -
Nippon Life Fund 3 Corporate
Bond Fund
1
3 - - - - - - 5 - -

SBI Life Saral 3 4 Equity Fund Equity - - - - - - - -

InsureWealth Optimiser
Plus Fund

4 3 - - - - - - - -

Star Union Wealth Creator 3 4 Bluechip - - - - - - Income - -

Dai-ichi Life Equity Fund Fund
4 - - - - - - 4 - -

7
 Cost Rank*
Insurance
Multi Cap Debt Short
Company ULIP @ 1 lakh @ 6 lakh Large Cap Oriented Mid Cap Oriented Debt Long Term
Oriented Term
Name premium premium

Bajaj Allianz Principal Gain 4 - - - - - - - - Builder - -

Life Bond Fund

- - - - - - - 4 - -
Future Bima Advantage 4 5 Opportunity - - - - - - Income - Secure Fund
Generali Plus Fund Fund
India Life
3 - - - - - - 5 - 3
HDFC Life ProGrowth Flexi 4 4 Blue Chip Equity - - Diversified Opportunities - Bond Fund Income Conservative
- Life Option Fund Plus Fund Equity Fund Fund Fund fund
2 3 - - 1 3 - 4 3 3
HDFC Life Sampoorn 4 4 Blue Chip Equity - - Diversified Opportunities - Bond Fund Income Conservative
Nivesh - Classic Fund Plus Fund Equity Fund Fund Fund fund
Benefit (Life 2 3 - - 1 3 - 4 3 3
Option)

SBI Life Smart 4 5 Equity Fund Equity - - - - - - - -

InsureWealth Optimiser
Plus Fund
4 3 - - - - - - - -
SBI Life Smart Wealth 4 - Equity Fund Equity - - Top 300 Fund - - Bond Fund - -
Builder Optimiser
Fund
4 3 - - 3 - - 3 - -
HDFC Life ProGrowth Plus 5 - Blue Chip Equity - - Diversified Opportunities - Bond Fund Income Conservative
- Life Option Fund Plus Fund Equity Fund Fund Fund fund

2 3 - - 1 3 - 4 3 3
8
 Cost Rank*
Insurance
Multi Cap Debt Short
Company ULIP @ 1 lakh @ 6 lakh Large Cap Oriented Mid Cap Oriented Debt Long Term
Oriented Term
Name premium premium

IndiaFirst Money Balance 5 5 Equity1 - - - - - - Debt 1 - -

Life 3 - - - - - - 5 - -
Max Life Fast Track 5 4 Growth - - - - High Growth - Secure Secure -
Super Super Fund Fund Fund Plus
Fund
2 - - - - 2 - 4 3 -

Kotak Life Wealth Optima - 2 Frontline - - - Classic - - Dynamic - -

Plan Equity Fund Opportunities Bond Fund
Fund
3 - - - 3 - - 3 - -

SBI Life Smart Privilege - 2 Equity Fund Equity - - Top 300 Fund - - Bond Fund - -
Optimiser
Fund
4 3 - - 3 - - 3 - -
Canara Titanium Plus - 3 Equity II - - - - - - Debt Fund - -
HSBC OBC Fund
Life
5 - - - - - - 2 - -
Exide Life Wealth Elite - 3 Prime Equity - - - - - - Preserver - -
Fund Fund

3 - - - - - - 1 - -
ICICI Elite Life Super - 3 Bluechip Maximise Maximiser Opportunities Multi Cap - - Income - -
Prudential Fund India Fund V Fund Growth Fund Fund
Life 4 3 4 3 5 - - 1 - -

9
 Cost Rank*
Insurance
Multi Cap Debt Short
Company ULIP @ 1 lakh @ 6 lakh Large Cap Oriented Mid Cap Oriented Debt Long Term
Oriented Term
Name premium premium

ICICI Elite Wealth - 3 Bluechip Maximise Maximiser Opportunities Multi Cap - - Income - -
Prudential Super Fund India Fund V Fund Growth Fund Fund
Life 4 3 4 3 5 - - 1 - -

ICICI Signature - - 3 Bluechip Maximise Maximiser Opportunities Multi Cap - - Income - -

Prudential Premier Fund India Fund V Fund Growth Fund Fund
Life
4 3 4 3 5 - - 1 - -

IndiaFirst Wealth - 3 Equity1 - - - Value - - Debt 1 - -

Life Maximizer Plan

3 - - - 4 - - 5 - -

Max Life Platinum Wealth - 3 Growth - - - - High Growth - Secure - -

Super Fund Fund Fund

2 - - - - 2 - 4 - -
Reliance Premier Wealth - 3 Life Equity - - - - - - Life - -
Nippon Life Fund 3 Corporate
Bond Fund
1
3 - - - - - - 5 - -

*ULIPs within the same cluster rank, at premium investment of Rs 1 lakh, are arranged alphabetically

10
Offline: Wealth I – Single - 10-year policy term
Cost
Insurance
Rank* @ 8 Multi Cap Debt Short
Company ULIP Large Cap Oriented Mid Cap Oriented Debt Long Term
lakh Oriented Term
Name
premium
DHFL Wealth Enhancer 1 Large Cap - - - - - - Debt Fund - - -
Pramerica - Option B Equity Fund
Life 4 - - - - - - 3 - - -

ICICI Pru1 Wealth 1 Maximiser V - - - Multi Cap - - Income - - -

Prudential Growth Fund Fund
Life 4 - - - 5 - - 1 - - -

Reliance Prosperity Plus 1 Life Equity - - - - - - Life - - -

Nippon Life Fund 3 Corporate
Bond Fund
1
3 - - - - - - 5 - - -

Bajaj Fortune Gain 2 Bluechip Equity - - - Accelerator - Bond Fund - - -

Allianz Life Equity Fund Growth Mid-Cap Fund
Fund II II
2 2 - - - 3 - 3 - - -

Bharti AXA Grow Wealth 2 Grow - - - Growth - - Steady - - -

Life Money Plus Opportunities Money
Fund Plus Fund Fund
1 - - - 2 - - 2 - - -
DHFL Wealth 2 Large Cap - - - - - - Debt Fund - - -
Pramerica Maximiser Equity Fund

11
 Cost
Insurance
Rank* @ 8 Multi Cap Debt Short
Company ULIP Large Cap Oriented Mid Cap Oriented Debt Long Term
lakh Oriented Term
Name
premium
Life 4 - - - - - - 3 - - -

IndiaFirst Wealth 2 Equity1 - - - Value - - Debt 1 - - -

Life Maximizer Plan 3 - - - 4 - - 5 - - -

Kotak Life Single Invest 2 Frontline - - - Classic - - Dynamic - - -

Advantage Equity Fund Opportunities Bond Fund
Fund
3 - - - 3 - - 3 - - -
SBI Life Smart Privilege 2 Equity Fund Equity - - Top 300 Fund - - Bond Fund - - -
Optimiser
Fund
4 3 - - 3 - - 3 - - -
Bharti AXA Future Invest 3 Grow - - - Growth - - Steady - - -
Life Money Plus Opportunities Money
Fund Plus Fund Fund
1 - - - 2 - - 2 - - -
Bharti AXA Wealth Pro - 3 Grow - - - Growth - - Steady - - -
Life Growth Money Plus Opportunities Money
Fund Plus Fund Fund
1 - - - 2 - - 2 - - -
DHFL Wealth+ACE 3 Large Cap - - - - - - Debt Fund - - -
Pramerica Equity Fund
Life 4 - - - - - - 3 - - -

12
 Cost
Insurance
Rank* @ 8 Multi Cap Debt Short
Company ULIP Large Cap Oriented Mid Cap Oriented Debt Long Term
lakh Oriented Term
Name
premium
HDFC Life Classic One - 3 Blue Chip Equity - - Diversified Opportunities - Bond Fund Income Secure Conservative
Single Life Fund Plus Fund Equity Fund Fund Fund Managed fund
variant Fund
2 3 - - 1 3 - 4 3 2 3
ICICI Elite Life Super 3 Bluechip Maximise Maximiser Opportunities Multi Cap - - Income - - -
Prudential Fund India Fund V Fund Growth Fund Fund
Life
4 3 4 3 5 - - 1 - - -

ICICI Elite Wealth 3 Bluechip Maximise Maximiser Opportunities Multi Cap - - Income - - -
Prudential Super Fund India Fund V Fund Growth Fund Fund
Life
4 3 4 3 5 - - 1 - - -

ICICI Guaranteed 3 Life Growth - - - - - - Life Secure - - -

Prudential Wealth Protector Fund Fund
Life 5 - - - - - - 3 - - -

ICICI Life Time Classic 3 Bluechip Maximise Maximiser Opportunities Multi Cap - - Income - - -
Prudential Fund India Fund V Fund Growth Fund Fund
Life 4 3 4 3 5 - - 1 - - -

ICICI Signature - 3 Bluechip Maximise Maximiser Opportunities Multi Cap - - Income - - -

Prudential Premier Fund India Fund V Fund Growth Fund Fund
Life

4 3 4 3 5 - - 1 - - -

13
 Cost
Insurance
Rank* @ 8 Multi Cap Debt Short
Company ULIP Large Cap Oriented Mid Cap Oriented Debt Long Term
lakh Oriented Term
Name
premium
IDBI Wealthsurance 3 - - - - - - - Bond Fund - - Income Fund
Federal Life Growth SP

- - - - - - - 4 - - 4

Max Life Platinum Wealth 3 Growth - - - - High Growth - Secure - - -

Super Fund Fund Fund
2 - - - - 2 - 4 - - -
Reliance Premier Wealth 3 Life Equity - - - - - - Life - - -
Nippon Life Fund 3 Corporate
Bond Fund
1
3 - - - - - - 5 - - -
SBI Life Smart Wealth 3 Equity Fund - - - - - - Bond Fund - - -
Assure 4 - - - - - - 3 - - -

Exide Life Wealth Builder 4 Prime - - - - - - Preserver - - -

Equity Fund Fund
3 - - - - - - 1 - - -
HDFC Life Sampoorn 4 Blue Chip Equity - - Diversified Opportunities - Bond Fund Income - Conservative
Nivesh - Classic Fund Plus Fund Equity Fund Fund Fund fund
Benefit (Life 2 3 - - 1 3 - 4 3 - 3
Option)

IndiaFirst Money Balance 4 Equity1 - - - - - - Debt 1 - - -

Life 3 - - - - - - 5 - - -

14
 Cost
Insurance
Rank* @ 8 Multi Cap Debt Short
Company ULIP Large Cap Oriented Mid Cap Oriented Debt Long Term
lakh Oriented Term
Name
premium
Max Life Fast Track Super 4 Growth - - - - High Growth - Secure Secure - -
Super Fund Fund Fund Plus
Fund
2 - - - - 2 - 4 3 - -
Max Life Flexi Wealth Plus 4 Growth - - - - High Growth - Secure Secure - -
- Wealth Super Fund Fund Fund Plus
Fund
2 - - - - 2 - 4 3 - -
Shriram Growth Plus 4 Accelerator - - - - - - Preserver - - -
Life 5 - - - - - - 2 - - -

Aditya Birla Wealth Max 5 Maximiser Super 20 - - - Multiplier Value & Income - - Assure
Sun life Momentum Advantage
Fund
3 2 - - - 4 5 2 - - 2
Shriram Fortune Builder 5 Accelerator - - - - - - Preserver - - -
Life 5 - - - - - - 2 - - -

Star Union Wealth Builder 5 Bluechip - - - - - - Income - - -

Dai-ichi Life Equity Fund Fund
4 - - - - - - 4 - - -
*ULIPs within the same cluster rank are arranged alphabetically

15
16
Offline: Wealth II – Regular - 10-year policy term
Insurance Cost Rank*
Multi Cap Mid Cap Debt Short
Company ULIP @ 1 lakh @ 6 lakh Large Cap Oriented Debt Long Term
Oriented Oriented Term
Name premium premium
Shriram Life Growth Plus 1 1 Accelerator - - - - - Preserver - -

5 - - - - - 2 - -

ICICI Life Time Classic 2 2 Bluechip Maximise Maximiser Opportunities Multi Cap - Income - -
Prudential Life Fund India Fund V Fund Growth Fund Fund

4 3 4 3 5 - 1 - -

Shriram Life Wealth Plus 3 5 Accelerator - - - - - Preserver - -

5 - - - - - 2 - -

HDFC Life Sampoorn Nivesh - 4 3 Blue Chip Equity Plus - - Diversified Opportunities Bond Income Conservative
Classic Plus Fund Fund Equity Fund Fund Fund Fund fund
Benefit
2 3 - - 1 3 4 3 3

HDFC Life SL ProGrowth 5 4 Blue Chip Equity Plus - - Diversified Opportunities Bond Income Conservative
Super II - Life Fund Fund Equity Fund Fund Fund Fund fund
Option
2 3 - - 1 3 4 3 3

*ULIPs within the same cluster rank, at premium investment of Rs 1 lakh, are arranged alphabetically

17
Offline: Child - 10-year policy term

Cost Rank* Debt

Insurance Multi Cap Mid Cap Debt Long
ULIP @ 1 lakh @ 6 lakh Large Cap Oriented Short
Company Name Oriented Oriented Term
Term
premium premium
ICICI Prudential Smart Life 1 1 Bluechip Maximise Maximiser Opportunities Multi Cap Growth - Income -
Life Fund India Fund V Fund Fund Fund
4 3 4 3 5 - 1 -
Kotak Life Headstart Child 2 2 Frontline - - - Classic - Dynamic -
Assure Equity Fund Opportunities Bond Fund
Fund
3 - - - 3 - 3 -
Canara HSBC Smart Future 3 4 Equity II - - - - - Debt Plus -
OBC Life Fund Fund
5 - - - - - 3 -
Kotak Life Wealth Insurance 3 3 Frontline - - - Classic - Dynamic -
Equity Fund Opportunities Bond Fund
Fund
3 - - - 3 - 3 -

Canara HSBC Future Smart 4 5 Equity II - - - - - Debt Plus -

OBC Life Fund Fund
5 - - - - - 3 -

HDFC Life SL Youngstar Super 5 3 Blue Chip - - - - Opportunities Income -

Premium - Life Option Fund Fund Fund
2 - - - - 3 3 -
*ULIPs within the same cluster rank, at premium investment of Rs 1 lakh, are arranged alphabetically

18
Offline: Wealth I – Regular - 20-year policy term

Insurance Cost Rank*

Multi Cap Debt Short
Company ULIP Large Cap Oriented Mid Cap Oriented Debt Long Term
@ 1 lakh @ 6 lakh Oriented Term
Name
premium premium
Edelweiss Wealth Secure+ 1 2 Equity Large - - - Equity Top 250 - - - - Bond Fund
Tokio Life - Base Cap Fund

3 - - - 3 - - - - 3
Edelweiss Wealth Ultima 1 2 Equity Large - - - Equity Top 250 - - - - Bond Fund
Tokio Life Cap Fund

3 - - - 3 - - - - 3
Reliance Prosperity Plus 1 1 Life Equity - - - - - - Life - -
Nippon Life Fund 3 Corporate
Bond Fund
1
3 - - - - - - 5 - -

Bajaj Allianz Future Gain 2 3 Bluechip Equity - - - Accelerator - Bond Fund - -

Life Equity Fund Growth Mid-Cap Fund
Fund II II
2 2 - - - 3 - 3 - -
Bajaj Allianz Smart Wealth 2 3 Bluechip Equity - - - Accelerator - Bond Fund - -
Life Goal - Wealth Equity Fund Growth Mid-Cap Fund
Variant Fund II II
2 2 - - - 3 - 3 - -
Bharti AXA Grow Wealth 2 2 Grow Money - - - Growth - - Steady - -
Life Plus Fund Opportunities Money
Plus Fund Fund
1 - - - 2 - - 2 - -

19
Insurance Cost Rank*
Multi Cap Debt Short
Company ULIP Large Cap Oriented Mid Cap Oriented Debt Long Term
@ 1 lakh @ 6 lakh Oriented Term
Name
premium premium
DHFL Wealth 2 1 Large Cap - - - - - - Debt Fund - -
Pramerica Maximiser Equity Fund
Life
4 - - - - - - 3 - -

Max Life Flexi Wealth 2 3 Growth - - - - High Growth - Secure Secure -

Plus - Wealth Super Fund Fund Fund Plus
Fund
2 - - - - 2 - 4 3 -

Reliance Smart Savings 2 2 Life Equity - - - - - - Life - -

Nippon Life Fund 3 Corporate
Bond Fund
1
3 - - - - - - 5 - -

Shriram Life Growth Plus 2 3 Accelerator - - - - - - Preserver - -

5 - - - - - - 2 - -

Aditya Birla Fortune Elite 3 3 Maximiser Super 20 - - - Multiplier Value & Income - Assure
Sun life Momentum Advantage
Fund
3 2 - - - 4 5 2 - 2

Aditya Birla Wealth Aspire - 3 2 Maximiser Super 20 - - - Multiplier Value & Income - Assure
Sun life Classic Option Momentum Advantage
Fund
3 2 - - - 4 5 2 - 2

20
Insurance Cost Rank*
Multi Cap Debt Short
Company ULIP Large Cap Oriented Mid Cap Oriented Debt Long Term
@ 1 lakh @ 6 lakh Oriented Term
Name
premium premium
Bharti AXA Wealth Pro - 3 3 Grow Money - - - Growth - - Steady - -
Life Growth Plus Fund Opportunities Money
Plus Fund Fund
1 - - - 2 - - 2 - -

Canara Smart Goals 3 4 Equity II - - - - - - Debt Plus - -

HSBC OBC Fund Fund
Life 5 - - - - - - 3 - -

DHFL Smart Wealth + 3 3 Large Cap - - - - - - Debt Fund - -

Pramerica Equity Fund
Life 4 - - - - - - 3 - -

Kotak Life Ace Investment 3 4 Frontline - - - Classic - - Dynamic - -

Equity Fund Opportunities Bond Fund
Fund
3 - - - 3 - - 3 - -

Kotak Life Invest Maxima 3 - Frontline - - - Classic - - Dynamic - -

Equity Fund Opportunities Bond Fund
Fund
3 - - - 3 - - 3 - -

Max Life Fast Track 3 3 Growth - - - - High Growth - Secure Secure -

Super Super Fund Fund Fund Plus
Fund
2 - - - - 2 - 4 3 -

21
Insurance Cost Rank*
Multi Cap Debt Short
Company ULIP Large Cap Oriented Mid Cap Oriented Debt Long Term
@ 1 lakh @ 6 lakh Oriented Term
Name
premium premium
SBI Life Saral 3 4 Equity Fund Equity - - - - - - - -
InsureWealth Optimiser
Plus Fund
4 3 - - - - - - - -
SBI Life Smart 3 4 Equity Fund Equity - - - - - - - -
InsureWealth Optimiser
Plus Fund
4 3 - - - - - - - -
SBI Life Smart Wealth 3 - Equity Fund Equity - - Top 300 Fund - - Bond Fund - -
Builder Optimiser
Fund
4 3 - - 3 - - 3 - -
Star Union Wealth Creator 3 4 Bluechip - - - - - - Income - -
Dai-ichi Life Equity Fund Fund
4 - - - - - - 4 - -
Tata AIA Fortune Pro 3 - Large Cap Top 200 Top 50 - - Whole Life Mid - Whole Life - Whole Life
Life Equity Fund Fund Fund Cap Equity Income Short-Term
Fund Fund Fixed Income
Fund
1 1 2 - - 1 - 1 - 1
Aegon Life Future Protect 4 4 Accelerator - - - - - - Debt Fund - Secure Fund
Fund
3 - - - - - - 3 - 5
Future Bima Advantage 4 5 Opportunity - - - - - - Income - Secure Fund
Generali Plus Fund Fund
India Life 3 - - - - - - 5 - 3

22
Insurance Cost Rank*
Multi Cap Debt Short
Company ULIP Large Cap Oriented Mid Cap Oriented Debt Long Term
@ 1 lakh @ 6 lakh Oriented Term
Name
premium premium
Future Wealth Protect 4 - Opportunity - - - - - - Income - Secure Fund
Generali Plan Fund Fund
India Life 3 - - - - - - 5 - 3

HDFC Life ProGrowth Plus 4 - Blue Chip Equity - - Diversified Opportunities - Bond Fund Income Conservative
- Life Option Fund Plus Fund Equity Fund Fund Fund fund
2 3 - - 1 3 - 4 3 3
HDFC Life Sampoorn 4 3 Blue Chip Equity - - Diversified Opportunities - Bond Fund Income Conservative
Nivesh - Classic Fund Plus Fund Equity Fund Fund Fund fund
Benefit (Life 2 3 - - 1 3 - 4 3 3
Option)

Kotak Life Platinum 4 3 Frontline - - - Classic - - Dynamic - -

Equity Fund Opportunities Bond Fund
Fund
3 - - - 3 - - 3 - -
Reliance Classic Plan II 4 5 Life Equity - - - - - - Life - -
Nippon Life Fund 3 Corporate
Bond Fund
1
3 - - - - - - 5 - -
HDFC Life ProGrowth Flexi 5 4 Blue Chip Equity - - Diversified Opportunities - Bond Fund Income Conservative
- Life Option Fund Plus Fund Equity Fund Fund Fund fund
2 3 - - 1 3 - 4 3 3

IndiaFirst Money Balance 5 5 Equity1 - - - - - - Debt 1 - -

Life 3 - - - - - - 5 - -

23
Insurance Cost Rank*
Multi Cap Debt Short
Company ULIP Large Cap Oriented Mid Cap Oriented Debt Long Term
@ 1 lakh @ 6 lakh Oriented Term
Name
premium premium
IndiaFirst Smart Save 5 5 Equity1 - - - Value - - Debt 1 - -
Life

3 - - - 4 - - 5 - -

Max Life Platinum Wealth - 1 Growth - - - - High Growth - Secure - -

Super Fund Fund Fund
2 - - - - 2 - 4 - -
SBI Life Smart Privilege - 1 Equity Fund Equity - - Top 300 Fund - - Bond Fund - -
Optimiser
Fund
4 3 - - 3 - - 3 - -
Canara Titanium Plus - 2 Equity II - - - - - - Debt Fund - -
HSBC OBC Fund
Life
5 - - - - - - 2 - -

IndiaFirst Wealth - 2 Equity1 - - - Value - - Debt 1 - -

Life Maximizer Plan

3 - - - 4 - - 5 - -

Kotak Life Wealth Optima - 2 Frontline - - - Classic - - Dynamic - -

Plan Equity Fund Opportunities Bond Fund
Fund
3 - - - 3 - - 3 - -

Exide Life Wealth Elite - 3 Prime Equity - - - - - - Preserver - -

Fund Fund
3 - - - - - - 1 - -

24
Insurance Cost Rank*
Multi Cap Debt Short
Company ULIP Large Cap Oriented Mid Cap Oriented Debt Long Term
@ 1 lakh @ 6 lakh Oriented Term
Name
premium premium
ICICI Elite Life Super - 3 Bluechip Maximise Maximiser Opportunities Multi Cap - - Income - -
Prudential Fund India Fund V Fund Growth Fund Fund
Life 4 3 4 3 5 - - 1 - -

ICICI Elite Wealth - 3 Bluechip Maximise Maximiser Opportunities Multi Cap - - Income - -
Super
Prudential Fund India Fund V Fund Growth Fund Fund
Life 4 3 4 3 5 - - 1 - -

ICICI Signature - - 3 Bluechip Maximise Maximiser Opportunities Multi Cap - - Income - -

Fund India Fund V Fund Growth Fund Fund
Prudential Premier
4 3 4 3 5 - - 1 - -
Life

Reliance Premier Wealth - 3 Life Equity - - - - - - Life - -

Fund 3 Corporate
Nippon Life
Bond Fund
1
3 - - - - - - 5 - -

Tata AIA Wealth Pro - 4 Large Cap Top 200 Top 50 - - Whole Life Mid - Whole Life - Whole Life
Equity Fund Fund Fund Cap Equity Income Short-Term
Life
Fund Fund Fixed Income
Fund
1 1 2 - - 1 - 1 - 1
*ULIPs within the same cluster rank, at premium investment of Rs 1 lakh, are arranged alphabetically

25
Offline: Wealth I – Single - 20-year policy term
Cost
Insurance
Rank* @ 8 Multi Cap Debt Short
Company ULIP Large Cap Oriented Mid Cap Oriented Debt Long Term
lakh Oriented Term
Name
premium
DHFL Wealth Enhancer 1 Large Cap - - - - - - Debt Fund - - -
Pramerica - Option B Equity Fund
Life 4 - - - - - - 3 - - -

Reliance Prosperity Plus 1 Life Equity - - - - - - Life - - -

Nippon Life Fund 3 Corporate
Bond Fund
1
3 - - - - - - 5 - - -
SBI Life Smart Privilege 1 Equity Fund Equity - - Top 300 Fund - - Bond Fund - - -
Optimiser
Fund
4 3 - - 3 - - 3 - - -
Bharti AXA Grow Wealth 2 Grow - - - Growth - - Steady - - -
Life Money Plus Opportunities Money
Fund Plus Fund Fund
1 - - - 2 - - 2 - - -
ICICI Elite Life Super 2 Bluechip Maximise Maximiser Opportunities Multi Cap - - Income - - -
Prudential Fund India V Fund Growth Fund Fund
Life Fund
4 3 4 3 5 - - 1 - - -
ICICI Elite Wealth 2 Bluechip Maximise Maximiser Opportunities Multi Cap - - Income - - -
Prudential Super Fund India V Fund Growth Fund Fund
Life Fund
4 3 4 3 5 - - 1 - - -

26
 Cost
Insurance
Rank* @ 8 Multi Cap Debt Short
Company ULIP Large Cap Oriented Mid Cap Oriented Debt Long Term
lakh Oriented Term
Name
premium
ICICI Life Time Classic 2 Bluechip Maximise Maximiser Opportunities Multi Cap - - Income - - -
Prudential Fund India V Fund Growth Fund Fund
Life Fund
4 3 4 3 5 - - 1 - - -

ICICI Signature - 2 Bluechip Maximise Maximiser Opportunities Multi Cap - - Income - - -

Prudential Premier Fund India V Fund Growth Fund Fund
Life Fund
4 3 4 3 5 - - 1 - - -
Aditya Birla Wealth Max 3 Maximiser Super 20 - - - Multiplier Value & Income - - Assure
Sun life Momentum Advantage
Fund
3 2 - - - 4 5 2 - - 2

Bajaj Fortune Gain 3 Bluechip Equity - - - Accelerator - Bond Fund - - -

Allianz Life Equity Fund Growth Mid-Cap Fund
Fund II II
2 2 - - - 3 - 3 - - -

DHFL Wealth+ACE 3 Large Cap - - - - - - Debt Fund - - -

Pramerica Equity Fund
Life 4 - - - - - - 3 - - -

IDBI Wealthsurance 3 - - - - - - - Bond Fund - - Income Fund

Federal Life Growth SP

- - - - - - - 4 - - 4
IndiaFirst Wealth 3 Equity1 - - - Value - - Debt 1 - - -
Life Maximizer Plan

27
 Cost
Insurance
Rank* @ 8 Multi Cap Debt Short
Company ULIP Large Cap Oriented Mid Cap Oriented Debt Long Term
lakh Oriented Term
Name
premium
3 - - - 4 - - 5 - - -
Max Life Flexi Wealth Plus 3 Growth - - - - High Growth - Secure Secure - -
- Wealth Super Fund Fund Fund Plus
Fund

2 - - - - 2 - 4 3 - -

Reliance Classic Plan II 3 Life Equity - - - - - - Life - - -

Nippon Life Fund 3 Corporate
Bond Fund
1
3 - - - - - - 5 - - -
Reliance Premier Wealth 3 Life Equity - - - - - - Life - - -
Nippon Life Fund 3 Corporate
Bond Fund
1
3 - - - - - - 5 - - -

SBI Life Smart Wealth 3 Equity Fund - - - - - - Bond Fund - - -

Assure 4 - - - - - - 3 - - -

Shriram Growth Plus 3 Accelerator - - - - - - Preserver - - -

Life 5 - - - - - - 2 - - -

Bharti AXA Wealth Pro - 4 Grow - - - Growth - - Steady - - -

Life Growth Money Plus Opportunities Money
Fund Plus Fund Fund
1 - - - 2 - - 2 - - -

28
 Cost
Insurance
Rank* @ 8 Multi Cap Debt Short
Company ULIP Large Cap Oriented Mid Cap Oriented Debt Long Term
lakh Oriented Term
Name
premium
HDFC Life Classic One - 4 Blue Chip Equity - - Diversified Opportunities - Bond Fund Income Secure Conservative
Single Life Fund Plus Fund Equity Fund Fund Fund Managed fund
variant Fund
2 3 - - 1 3 - 4 3 2 3
HDFC Life Sampoorn 4 Blue Chip Equity - - Diversified Opportunities - Bond Fund Income - Conservative
Nivesh - Classic Fund Plus Fund Equity Fund Fund Fund fund
Benefit (Life 2 3 - - 1 3 - 4 3 - 3
Option)

IndiaFirst Money Balance 4 Equity1 - - - - - - Debt 1 - - -

Life 3 - - - - - - 5 - - -

IndiaFirst Smart Save 4 Equity1 - - - Value - - Debt 1 - - -

Life
3 - - - 4 - - 5 - - -

Shriram Fortune Builder 5 Accelerator - - - - - - Preserver - - -

Life 5 - - - - - - 2 - - -

Star Union Wealth Builder 5 Bluechip - - - - - - Income - - -

Dai-ichi Life Equity Fund Fund
4 - - - - - - 4 - - -
Tata AIA Wealth Pro 5 Large Cap Top 200 Top 50 - - Whole Life - Whole Life - - Whole Life
Life Equity Fund Fund Fund Mid Cap Income Short-Term
Equity Fund Fund Fixed Income
Fund
1 1 2 - - 1 - 1 - - 1
*ULIPs within the same cluster rank are arranged alphabetically

29
Offline: Wealth II - Regular - 20-year policy term
Insurance Cost Rank*
Multi Cap Debt Short
Company ULIP @ 1 lakh @ 6 lakh Large Cap Oriented Mid Cap Oriented Debt Long Term
Oriented Term
Name premium premium
ICICI Life Time 1 2 Bluechip Maximise Maximiser Opportunities Multi Cap - - Income - -
Prudential Classic Fund India Fund V Fund Growth Fund
Life Fund

4 3 4 3 5 - - 1 - -

Shriram Life Growth Plus 2 1 Accelerator - - - - - - Preserver - -

5 - - - - - - 2 - -

Aditya Birla Wealth Assure 3 3 Maximiser Super 20 - - - Multiplier Value & Income - Assure
Sun life Plus - Classic Momentum Advantage
Option Fund

3 2 - - - 4 5 2 - 2

HDFC Life Sampoorn 3 3 Blue Chip Equity Plus - - Diversified Opportunities - Bond Fund Income Conservative
Nivesh - Fund Fund Equity Fund Fund Fund fund
Classic Plus
Benefit
2 3 - - 1 3 - 4 3 3

Shriram Life Wealth Plus 4 5 Accelerator - - - - - - Preserver - -

5 - - - - - - 2 - -

HDFC Life SL ProGrowth 5 4 Blue Chip Equity Plus - - Diversified Opportunities - Bond Fund Income Conservative
Super II - Life Fund Fund Equity Fund Fund Fund fund
Option 2 3 - - 1 3 - 4 3 3

30
*ULIPs within the same cluster rank, at premium investment of Rs 1 lakh, are arranged alphabetically

Offline: Child - 20-year policy term

Cost Rank* Debt

Insurance Multi Cap Mid Cap Debt Long
ULIP Large Cap Oriented Short
Company Name @ 1 lakh @ 6 lakh Oriented Oriented Term
Term
premium premium
ICICI Prudential Smart Life 1 1 Bluechip Maximise Maximiser Opportunities Multi Cap Growth - Income -
Life Fund India Fund V Fund Fund Fund
4 3 4 3 5 - 1 -
Canara HSBC Future Smart 2 3 Equity II - - - - - Debt Plus -
OBC Life Fund Fund
5 - - - - - 3 -
Canara HSBC Smart Future 3 4 Equity II - - - - - Debt Plus -
OBC Life Fund Fund
5 - - - - - 3 -
Kotak Life Headstart Child 3 2 Frontline - - - Classic - Dynamic -
Assure Equity Fund Opportunities Bond Fund
Fund
3 - - - 3 - 3 -
Kotak Life Wealth Insurance 4 3 Frontline - - - Classic - Dynamic -
Equity Fund Opportunities Bond Fund
Fund
3 - - - 3 - 3 -
HDFC Life SL Youngstar Super 5 5 Blue Chip - - - - Opportunities Income -
Premium - Life Option Fund Fund Fund
2 - - - - 3 3 -
*ULIPs within the same cluster rank, at premium investment of Rs 1 lakh, are arranged alphabetically

31
Online: Wealth I – Regular - 10-year policy term

Insurance Cost Rank*

Multi Cap Mid Cap Debt Short
Company ULIP Large Cap Oriented Debt Long Term
@ 1 lakh @ 6 lakh Oriented Oriented Term
Name
premium premium
Edelweiss Wealth 1 1 Equity Large - - - Equity Top 250 - - - - Bond Fund
Tokio Life Secure+ - Base Cap Fund
3 - - - 3 - - - - 3

ICICI Signature - 1 2 Bluechip Maximise Maximiser Opportunities Multi Cap - Income - - -

Prudential Premier Fund India Fund V Fund Growth Fund Fund
Life 4 3 4 3 5 - 1 - - -

Bajaj Allianz Goal Assure 2 2 Bluechip Equity - - - Accelerator Bond Fund - - -

Life Equity Fund Growth Mid-Cap Fund
Fund II II
2 2 - - - 3 3 - - -
Edelweiss Wealth Plus 2 2 Equity Large - - - Equity Top 250 - - - - Bond Fund
Tokio Life Cap Fund
3 - - - 3 - - - - 3

Future Big Dreams 2 2 Opportunity - - - - - Income - - -

Generali Plan - Wealth Fund Fund
India Life Creation 3 - - - - - 5 - - -

Reliance Prosperity Plus 2 1 Life Equity - - - - - Life - - -

Nippon Life Fund 3 Corporate
Bond Fund
1
3 - - - - - 5 - - -

32
Insurance Cost Rank*
Multi Cap Mid Cap Debt Short
Company ULIP Large Cap Oriented Debt Long Term
@ 1 lakh @ 6 lakh Oriented Oriented Term
Name
premium premium
Bharti AXA Grow Wealth 3 2 Grow Money - - - Growth - Steady - - -
Life Plus Fund Opportunities Money
Plus Fund Fund
1 - - - 2 - 2 - - -
Edelweiss Wealth Gain+ 3 3 Equity Large - - - Equity Top 250 - - - - Bond Fund
Tokio Life Cap Fund

3 - - - 3 - - - - 3
Edelweiss Wealth Ultima 3 3 Equity Large - - - Equity Top 250 - - - - Bond Fund
Tokio Life Cap Fund

3 - - - 3 - - - - 3
Future Easy Invest 3 3 Opportunity - - - - - Income - - -
Generali Online Fund Fund
India Life 3 - - - - - 5 - - -

HDFC Life Click 2 Invest 3 3 Blue Chip Equity - - Diversified Opportunities Bond Fund Income Secure Conservative
Fund Plus Fund Equity Fund Fund Fund Managed fund
Fund
2 3 - - 1 3 4 3 2 3
HDFC Life Click 2 Wealth - 3 3 Blue Chip - - - Diversified Opportunities Bond Fund - - -
Invest Plus Fund Equity Fund Fund

2 - - - 1 3 4 - - -
Max Life Online Savings 3 3 Growth - - - - High Growth Secure - - -
Plan - Variant 1 Super Fund Fund Fund
2 - - - - 2 4 - - -
SBI Life eWealth 3 3 Equity Fund - - - - - Bond Fund - - -
4 - - - - - 3 - - -

33
Insurance Cost Rank*
Multi Cap Mid Cap Debt Short
Company ULIP Large Cap Oriented Debt Long Term
@ 1 lakh @ 6 lakh Oriented Oriented Term
Name
premium premium
Shriram Life Growth Plus 3 3 Accelerator - - - - - Preserver - - -
5 - - - - - 2 - - -
Aegon Life iInvest 4 3 Accelerator Blue Chip - - - - Debt Fund - - Secure Fund
Fund Equity
Fund
3 4 - - - - 3 - - 5
Bajaj Allianz Future Gain 4 3 Bluechip Equity - - - Accelerator Bond Fund - - -
Life Equity Fund Growth Mid-Cap Fund
Fund II II
2 2 - - - 3 3 - - -
Bajaj Allianz Smart Wealth 4 4 Bluechip Equity - - - Accelerator Bond Fund - - -
Life Goal - Wealth Equity Fund Growth Mid-Cap Fund
Variant Fund II II
2 2 - - - 3 3 - - -
SBI Life Smart 4 5 Equity Fund Equity - - - - - - - -
InsureWealth Optimiser
Plus Fund
4 3 - - - - - - - -

Bharti AXA Wealth Pro - 5 4 Grow Money - - - Growth - Steady - - -

Life Growth Plus Fund Opportunities Money
Plus Fund Fund
1 - - - 2 - 2 - - -

Exide Life Wealth Maxima 5 5 Prime Equity - - - - - Preserver - - -

- Invest Fund Fund
3 - - - - - 1 - - -

34
Insurance Cost Rank*
Multi Cap Mid Cap Debt Short
Company ULIP Large Cap Oriented Debt Long Term
@ 1 lakh @ 6 lakh Oriented Oriented Term
Name
premium premium
ICICI Elite Life Super - 4 Bluechip Maximise Maximiser Opportunities Multi Cap - Income - - -
Prudential Fund India Fund V Fund Growth Fund Fund
Life 4 3 4 3 5 - 1 - - -

ICICI Elite Wealth - 4 Bluechip Maximise Maximiser Opportunities Multi Cap - Income - - -
Prudential Super Fund India Fund V Fund Growth Fund Fund
Life 4 3 4 3 5 - 1 - - -

IndiaFirst Wealth - 4 Equity1 - - - Value - Debt 1 - - -

Life Maximizer Plan 3 - - - 4 - 5 - - -

*ULIPs within the same cluster rank, at premium investment of Rs 1 lakh, are arranged alphabetically

35
Online: Wealth I – Single - 10-year policy term
Insurance Cost Rank*
Multi Cap Mid Cap Debt Short
Company ULIP @ 8 lakh Large Cap Oriented Debt Long Term
Oriented Oriented Term
Name premium
Reliance Prosperity Plus 1 Life Equity - - - - - Life - - -
Nippon Life Fund 3 Corporate
Bond Fund 1
3 - - - - - 5 - - -
Future Big Dreams Plan - 2 Opportunity - - - - - Income Fund - - -
Generali Wealth Creation Fund
India Life 3 - - - - - 5 - - -

HDFC Life Click 2 Wealth - 2 Blue Chip - - - Diversified Opportunities Bond Fund - - -
Invest Plus Fund Equity Fund Fund
2 - - - 1 3 4 - - -
Shriram Life Growth Plus 2 Accelerator - - - - - Preserver - - -
5 - - - - - 2 - - -
Bajaj Allianz Fortune Gain 3 Bluechip Equity - - - Accelerator Bond Fund - - -
Life Equity Fund Growth Mid-Cap Fund
Fund II II
2 2 - - - 3 3 - - -
Bharti AXA Grow Wealth 3 Grow Money - - - Growth - Steady - - -
Life Plus Fund Opportunities Money Fund
Plus Fund
1 - - - 2 - 2 - - -
HDFC Life Click 2 Invest 3 Blue Chip Equity Plus - - Diversified Opportunities Bond Fund Income Secure Conservative
Fund Fund Equity Fund Fund Fund Managed fund
Fund
2 3 - - 1 3 4 3 2 3

36
Insurance Cost Rank*
Multi Cap Mid Cap Debt Short
Company ULIP @ 8 lakh Large Cap Oriented Debt Long Term
Oriented Oriented Term
Name premium
ICICI Elite Life Super 3 Bluechip Maximise Maximiser Opportunities Multi Cap - Income Fund - - -
Prudential Fund India Fund V Fund Growth Fund
Life 4 3 4 3 5 - 1 - - -

ICICI Elite Wealth 3 Bluechip Maximise Maximiser Opportunities Multi Cap - Income Fund - - -
Prudential Super Fund India Fund V Fund Growth Fund
Life 4 3 4 3 5 - 1 - - -

IndiaFirst Life Wealth Maximizer 3 Equity1 - - - Value - Debt 1 - - -

Plan 3 - - - 4 - 5 - - -

Bharti AXA Wealth Pro - 4 Grow Money - - - Growth - Steady - - -

Life Growth Plus Fund Opportunities Money Fund
Plus Fund
1 - - - 2 - 2 - - -
HDFC Life Classic One - 4 Blue Chip Equity Plus - - Diversified Opportunities Bond Fund Income Secure Conservative
Single Life variant Fund Fund Equity Fund Fund Fund Managed fund
Fund
2 3 - - 1 3 4 3 2 3
IDBI Federal Wealthsurance 4 - - - - - - Bond Fund - - Income Fund
Life Growth SP - - - - - - 4 - - 4

Bharti AXA eFuture Invest 5 Grow Money - - - Growth - Steady - - -

Life Plus Fund Opportunities Money Fund
Plus Fund
1 - - - 2 - 2 - - -
*ULIPs within the same cluster rank are arranged alphabetically

37
Online: Wealth I – Regular - 20-year policy term

Insurance Cost Rank*

Multi Cap Mid Cap Debt Short
Company ULIP @ 1 lakh @ 6 lakh Large Cap Oriented Debt Long Term
Oriented Oriented Term
Name premium premium
Edelweiss Wealth 1 2 Equity Large - - - Equity Top 250 - - - - Bond Fund
Tokio Life Secure+ - Base Cap Fund
3 - - - 3 - - - - 3
Edelweiss Wealth Ultima 1 2 Equity Large - - - Equity Top 250 - - - - Bond Fund
Tokio Life Cap Fund
3 - - - 3 - - - - 3
Bharti AXA Grow Wealth 2 1 Grow Money - - - Growth - Steady - - -
Life Plus Fund Opportunities Money
Plus Fund Fund
1 - - - 2 - 2 - - -
ICICI Signature - 2 2 Bluechip Maximise Maximiser Opportunities Multi Cap - Income - - -
Prudential Premier Fund India Fund V Fund Growth Fund Fund
Life 4 3 4 3 5 - 1 - - -

Reliance Prosperity Plus 2 1 Life Equity - - - - - Life - - -

Nippon Life Fund 3 Corporate
Bond Fund
1
3 - - - - - 5 - - -
Shriram Life Growth Plus 2 1 Accelerator - - - - - Preserver - - -
5 - - - - - 2 - - -
Aegon Life iInvest 3 2 Accelerator Blue Chip - - - - Debt Fund - - Secure Fund
Fund Equity
Fund
3 4 - - - - 3 - - 5

38
Insurance Cost Rank*
Multi Cap Mid Cap Debt Short
Company ULIP @ 1 lakh @ 6 lakh Large Cap Oriented Debt Long Term
Oriented Oriented Term
Name premium premium
Bajaj Allianz Goal Assure 3 3 Bluechip Equity - - - Accelerator Bond Fund - - -
Life Equity Fund Growth Mid-Cap Fund
Fund II II
2 2 - - - 3 3 - - -
Bajaj Allianz Smart Wealth 3 3 Bluechip Equity - - - Accelerator Bond Fund - - -
Life Goal - Wealth Equity Fund Growth Mid-Cap Fund
Variant Fund II II
2 2 - - - 3 3 - - -
Edelweiss Wealth Gain+ 3 3 Equity Large - - - Equity Top 250 - - - - Bond Fund
Tokio Life Cap Fund
3 - - - 3 - - - - 3
Edelweiss Wealth Plus 3 3 Equity Large - - - Equity Top 250 - - - - Bond Fund
Tokio Life Cap Fund
3 - - - 3 - - - - 3

Future Big Dreams 3 3 Opportunity - - - - - Income - - -

Generali Plan - Wealth Fund Fund
India Life Creation 3 - - - - - 5 - - -

Future Easy Invest 3 3 Opportunity - - - - - Income - - -

Generali Online Fund Fund
India Life 3 - - - - - 5 - - -

HDFC Life Click 2 Invest 3 4 Blue Chip Equity - - Diversified Opportunities Bond Fund Income Secure Conservative
Fund Plus Fund Equity Fund Fund Fund Managed fund
Fund
2 3 - - 1 3 4 3 2 3

39
Insurance Cost Rank*
Multi Cap Mid Cap Debt Short
Company ULIP @ 1 lakh @ 6 lakh Large Cap Oriented Debt Long Term
Oriented Oriented Term
Name premium premium
HDFC Life Click 2 Wealth - 3 3 Blue Chip - - - Diversified Opportunities Bond Fund - - -
Invest Plus Fund Equity Fund Fund
2 - - - 1 3 4 - - -

Max Life Online Savings 3 4 Growth - - - - High Growth Secure - - -

Plan - Variant 1 Super Fund Fund Fund
2 - - - - 2 4 - - -

Aegon Life iMaximize - 4 4 Accelerator Blue Chip - - - - Debt Fund - - Secure Fund
Benefit Option Fund Equity
1 Fund
3 4 - - - - 3 - - 5

Bajaj Allianz Future Gain 4 4 Bluechip Equity - - - Accelerator Bond Fund - - -

Life Equity Fund Growth Mid-Cap Fund
Fund II II
2 2 - - - 3 3 - - -

SBI Life eWealth 4 4 Equity Fund - - - - - Bond Fund - - -

4 - - - - - 3 - - -

SBI Life Smart 4 5 Equity Fund Equity - - - - - - - -

InsureWealth Optimiser
Plus Fund
4 3 - - - - - - - -

40
Insurance Cost Rank*
Multi Cap Mid Cap Debt Short
Company ULIP @ 1 lakh @ 6 lakh Large Cap Oriented Debt Long Term
Oriented Oriented Term
Name premium premium
Bharti AXA Wealth Pro - 5 5 Grow Money - - - Growth - Steady - - -
Life Growth Plus Fund Opportunities Money
Plus Fund Fund
1 - - - 2 - 2 - - -
Exide Life Wealth Maxima 5 5 Prime Equity - - - - - Preserver - - -
- Invest Fund Fund
3 - - - - - 1 - - -

IndiaFirst Wealth - 2 Equity1 - - - Value - Debt 1 - - -

Life Maximizer Plan 3 - - - 4 - 5 - - -

ICICI Elite Life Super - 3 Bluechip Maximise Maximiser Opportunities Multi Cap - Income - - -
Prudential Fund India Fund V Fund Growth Fund Fund
Life 4 3 4 3 5 - 1 - - -

ICICI Elite Wealth - 3 Bluechip Maximise Maximiser Opportunities Multi Cap - Income - - -
Prudential Super Fund India Fund V Fund Growth Fund Fund
Life 4 3 4 3 5 - 1 - - -

*ULIPs within the same cluster rank, at premium investment of Rs 1 lakh, are arranged alphabetically

41
Online: Wealth I – Single - 20-year policy term
Insurance Cost Rank*
Multi Cap Mid Cap Debt Short
Company ULIP @ 8 lakh Large Cap Oriented Debt Long Term
Oriented Oriented Term
Name premium
Shriram Life Growth Plus 1 Accelerator - - - - - Preserver - - -
5 - - - - - 2 - - -

Bharti AXA Grow Wealth 2 Grow Money - - - Growth - Steady - - -

Life Plus Fund Opportunities Money Fund
Plus Fund
1 - - - 2 - 2 - - -

ICICI Elite Wealth 2 Bluechip Maximise Maximiser Opportunities Multi Cap - Income Fund - - -
Prudential Super Fund India Fund V Fund Growth Fund
Life 4 3 4 3 5 - 1 - - -

Reliance Prosperity Plus 2 Life Equity - - - - - Life - - -

Nippon Life Fund 3 Corporate
Bond Fund 1
3 - - - - - 5 - - -

Future Big Dreams Plan - 3 Opportunity - - - - - Income Fund - - -

Generali Wealth Creation Fund
India Life 3 - - - - - 5 - - -

HDFC Life Click 2 Wealth - 3 Blue Chip - - - Diversified Opportunities Bond Fund - - -
Invest Plus Fund Equity Fund Fund
2 - - - 1 3 4 - - -

ICICI Elite Life Super 3 Bluechip Maximise Maximiser Opportunities Multi Cap - Income Fund - - -
Prudential Fund India Fund V Fund Growth Fund

42
Insurance Cost Rank*
Multi Cap Mid Cap Debt Short
Company ULIP @ 8 lakh Large Cap Oriented Debt Long Term
Oriented Oriented Term
Name premium
Life 4 3 4 3 5 - 1 - - -

IDBI Federal Wealthsurance 3 - - - - - - Bond Fund - - Income Fund

Life Growth SP - - - - - - 4 - - 4

IndiaFirst Life Wealth Maximizer 3 Equity1 - - - Value - Debt 1 - - -

Plan 3 - - - 4 - 5 - - -

Bajaj Allianz Fortune Gain 4 Bluechip Equity - - - Accelerator Bond Fund - - -

Life Equity Fund Growth Mid-Cap Fund
Fund II II
2 2 - - - 3 3 - - -
HDFC Life Classic One - 4 Blue Chip Equity Plus - - Diversified Opportunities Bond Fund Income Secure Conservative
Single Life variant Fund Fund Equity Fund Fund Fund Managed fund
Fund
2 3 - - 1 3 4 3 2 3
HDFC Life Click 2 Invest 4 Blue Chip Equity Plus - - Diversified Opportunities Bond Fund Income Secure Conservative
Fund Fund Equity Fund Fund Fund Managed fund
Fund
2 3 - - 1 3 4 3 2 3
Bharti AXA Wealth Pro - 5 Grow Money - - - Growth - Steady - - -
Life Growth Plus Fund Opportunities Money Fund
Plus Fund
1 - - - 2 - 2 - - -
*ULIPs within the same cluster rank are arranged alphabetically

43
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Company Disclosure

44
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9. No material disciplinary action has been taken against CRISIL Research or its analysts by any Regulatory Authority impacting
Research Analyst activities.

Disclaimer
CRISIL Research, a division of CRISIL Limited (CRISIL) has taken due care and caution in preparing this Report based on the
information obtained by CRISIL from sources which it considers reliable (Data). However, CRISIL does not guarantee the accuracy,
adequacy or completeness of the Data / Report and is not responsible for any errors or omissions or for the results obtained from the
use of Data / Report. This Report is not a recommendation to invest / disinvest in any company / entity covered in the Report and no
part of this report should be construed as an investment advice. CRISIL especially states that it has no financial liability whatsoever to
the subscribers/ users/ transmitters/ distributors of this Report. CRISIL Research operates independently of, and does not have access
to information obtained by CRISIL’s Ratings Division / CRISIL Risk and Infrastructure Solutions Limited (CRIS), which may, in their
regular operations, obtain information of a confidential nature. The views expressed in this Report are that of CRISIL Research and not
of CRISIL’s Ratings Division / CRIS. No part of this Report may be published / reproduced in any form without CRISIL’s prior written
approval.

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