See how premium allocation, mortality, and fund management charges reduce a ULIP's effective returns versus the gross fund growth.
Each year, a ULIP premium is reduced by a premium allocation charge before investing; the invested corpus then grows at the fund's return rate, minus an annual fund management charge (FMC) and a mortality charge. This runs a year-by-year simulation over the policy term.
Illustrative estimate only — actual premiums and payouts depend on the insurer's underwriting, medical checks, and policy terms. Always get a quote directly from a licensed insurer.