Which bajaj ULIP plan should i buy?

I’m 25 yrs old,single.
i’m looking for an investement in bajaj ULIP for 20Thousand annual premium for insurance of 20 lac for 30yrs term as i dont want any term plan.

can you please help of any plan which has least PAC and mortalility and other charges.i compared UNITGAIN PLUS GOLD with NEW UNITGAIN PLUS and found NUG plus has less PAC and mortality charges than Gold plan
but NUG plus has been stopped for some IRDA norms.

An agent told me bajaj NUG plus has been replaced by NUG plan.
which plan should i go for?
please help me
I’m looking int 20 yrs of investestment with 20k premium every year.

3 Replies to “Which bajaj ULIP plan should i buy?”

  1. I do not support investing in ULIP due to the charges.

    Mortallity charges do not play major role in overall charges taken by insurer so do not consider that.

    Mainly it is policy admin, Premium allocation, fund management & other special accural charges ( in some plans) that eat lot of your investment in ULIP.

    In my opinion, MF + Term insurance is better then ULIP.

    Always study impact of these all charges on your return before you go for investment.

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