Grow your wealth while keeping your family protected.
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Insurance-linked investment plans offer a powerful combination — market-linked or guaranteed returns for your financial goals, and life cover to protect your family simultaneously. At Vinayaka & Co, we guide you through ULIPs and guaranteed return plans from Axis Max Life, helping you make informed, goal-oriented investment decisions aligned with your risk appetite and time horizon.
ULIPs invest your premium in equity, debt, or balanced funds — offering potential returns significantly higher than traditional savings.
Every plan includes a life cover — your family receives the sum assured or fund value (whichever is higher) in your absence.
Switch between equity and debt funds at any time based on market conditions — free switches available every year.
Premiums under Section 80C, maturity/death benefit under Section 10(10D), and partial withdrawals tax-free after 5-year lock-in.
After the 5-year lock-in, withdraw up to 20% of the fund value annually for planned expenses — without surrendering the plan.
Plans structured around specific milestones — child's higher education, retirement corpus, or property purchase.
Invest additional lump sums whenever you have surplus funds — no need for a new policy.
Prefer zero risk? Our guaranteed return plans offer fixed assured returns at maturity with full life cover — no market dependency.
Choose the plan that fits your needs — our advisors will help you decide.
High equity allocation (70–100%) for maximum long-term capital appreciation. For aggressive, long-term investors.
50:50 equity-debt allocation for steady, moderate growth. Balanced risk and return profile.
Conservative debt-oriented allocation for capital preservation with inflation-beating returns.
Fixed guaranteed returns at maturity with life cover. Zero market risk — ideal if you want certainty.
Getting insured through Vinayaka & Co is simple and hassle-free.
Retirement? Child's education? Wealth creation? We start by understanding your financial goal and timeline.
We assess your risk appetite — aggressive, moderate, or conservative — to recommend the right fund mix.
Simple digital application. KYC documentation handled by our team. Policy issued within 2–3 working days.
Premium invested in your chosen fund. Track performance via the insurer app. Switch funds anytime.
We only work with India's most trusted, highest-rated insurers.
India's most trusted private life insurer for ULIPs — offering a wide range of funds (equity, debt, balanced), free fund switches, transparent charges, and a 99.51% claim settlement ratio.
A ULIP (Unit-Linked Insurance Plan) is an insurance product that combines life cover with market-linked investment. Unlike mutual funds, ULIPs include a life cover and offer tax benefits under Section 80C. However, ULIPs have a 5-year lock-in period and include insurance charges (mortality + admin) that mutual funds do not.
ULIPs have a mandatory 5-year lock-in, but they deliver their best results over 10–15 years due to the power of compounding and the ability to ride out market cycles. Exiting early significantly reduces returns due to higher fund management charges in the initial years.
Returns from equity and balanced ULIP funds are market-linked and not guaranteed. Debt fund ULIPs offer more stable but lower returns. If you want zero risk, our Guaranteed Return Plans offer assured, contractually fixed payouts at maturity.
ULIPs include: Premium Allocation Charge (deducted upfront), Policy Administration Charge (monthly), Fund Management Charge (annual, as % of fund value), and Mortality Charge (for life cover). After the 5-year lock-in, most charges reduce significantly, improving net returns.
Yes — Axis Max Life allows multiple free fund switches per year. You can move from an equity fund to a debt fund (or vice versa) based on market conditions or as you approach your goal. This flexibility is a major advantage of ULIPs over traditional insurance plans.
Speak with our expert advisors today — free guidance, no obligation whatsoever.
