Shri Ram - ULIP - Life Golden Jubilee Plan

What it is

Shriram Life Golden Jubilee Plan is a Unit Linked Insurance Plan (ULIP) that combines life insurance protection with market-linked wealth creation. It offers flexible investment options, whole-life/long-term planning choices, wealth boosters, and the ability to switch between funds based on your risk appetite.

Best For

• Long-term wealth creation
• Retirement planning
• Building a legacy for the next generation
• Investors seeking both insurance cover and market-linked returns
• Individuals who want flexibility to modify policy terms and investment strategy over time

Advantages

• Life insurance + investment in one plan
• Multiple fund options with unlimited free switches
• Wealth boosters added periodically (starting from the 10th year, subject to conditions)
• Return of premium allocation and mortality charges (subject to terms)
• Partial withdrawals after the lock-in period
• Auto Transfer Option (ATO) to manage market volatility
• Option to stay invested for whole life under certain plan variants

Example

Suppose Rahul (age 35) invests ₹1,00,000 annually in the Golden Jubilee Plan to build a retirement corpus. His premiums are invested in market-linked funds while he enjoys life cover. Over the years, he can:

• Switch between equity and debt funds based on market conditions.
• Receive wealth booster additions (as per policy terms).
• Make partial withdrawals after the lock-in period if required.
• Continue building wealth while keeping insurance protection for his family.