IndiaFirst Life Wealth Maximiser Plan

The modern need for financial planning calls for solutions that offer both protection and long-term wealth generation. The IndiaFirst Life Wealth Maximiser Plan is aimed at individuals who need to increase their savings through market-linked investments, while ensuring the family has life cover. The plan offers a wide range of investment options, a variety of funds, and loyalty incentives that help policyholders accumulate wealth over the years while maintaining financial security.

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13.2 Crore
Registered Consumer
53
Insurance Partners
6.29 Crore
Policies Sold

List of ULIP Funds ~
Fund Name
AUM
Returns (in %)
3 Year
5 Year
10 Year
77,698 Cr
Returns
8.73%
Returns
8.53%
Returns
10.82%
Highest Returns
Get Details
40 Cr
Returns
-
Returns
16.1%
Returns
18.6%
Highest Returns
Get Details
4 Cr
Returns
22.85%
Highest Returns
Returns
22%
Returns
20%
Get Details
3,622 Cr
Returns
12.7%
Returns
13.3%
Highest Returns
Returns
12.6%
Get Details
10,579 Cr
Returns
17.08%
Returns
21%
Returns
22%
Highest Returns
Get Details
5,680 Cr
Returns
14.82%
Highest Returns
Returns
12.53%
Returns
13.92%
Get Details
5,426 Cr
Returns
17.8%
Highest Returns
Returns
16.13%
Returns
15.8%
Get Details
4,837 Cr
Returns
13.29%
Returns
12.27%
Returns
13.42%
Highest Returns
Get Details
3,330 Cr
Returns
14%
Returns
12.48%
Returns
15.02%
Highest Returns
Get Details
5 Cr
Returns
-
Returns
16.1%
Returns
18.6%
Highest Returns
Get Details
1,446 Cr
Returns
6.93%
Returns
7.27%
Returns
9.45%
Highest Returns
Get Details
493 Cr
Returns
14.43%
Highest Returns
Returns
13.31%
Returns
12.5%
Get Details
1,051 Cr
Returns
12.63%
Returns
11.97%
Returns
14.45%
Highest Returns
Get Details
526 Cr
Returns
9.94%
Returns
9.21%
Returns
10.92%
Highest Returns
Get Details
130 Cr
Returns
10.85%
Returns
10.99%
Returns
12.79%
Highest Returns
Get Details
145 Cr
Returns
7.86%
Returns
8.19%
Returns
10.27%
Highest Returns
Get Details
219 Cr
Returns
11.6%
Returns
12.47%
Returns
12.94%
Highest Returns
Get Details
1,126 Cr
Returns
7.71%
Returns
9%
Returns
11.17%
Highest Returns
Get Details
0 Cr
Returns
6.6%
Returns
10%
Returns
11.02%
Highest Returns
Get Details
1,753 Cr
Returns
18.23%
Highest Returns
Returns
16.39%
Returns
14.67%
Get Details
see more plans

Disclaimer :
˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in

Eligibility Criteria for the IndiaFirst Wealth Maximiser Plan

Criteria Details
Minimum Entry Age 5 years
Maximum Entry Age 55 years (5-year PPT), up to 65 years for other options
Minimum Maturity Age 18 years
Maximum Maturity Age Up to 90 years
Minimum Annual Premium ₹2,50,000
Single Premium ₹5,00,000 minimum

The plan also supports regular, limited, and single premium payment options, offering flexibility for different investment capacities.

Features of the IndiaFirst Wealth Maximiser Plan

Here are the key features of the plan:

  • Market-Linked Investment Opportunities: Invest in multiple funds linked to equity, debt, and hybrid assets.
  • Seven Fund Options: Choose from Equity, Debt, Balanced, Index Tracker, Value Fund, and other diversified funds.
  • Flexible Investment Strategies: Automatic trigger, fund transfer, and age-based strategies help manage investments efficiently.
  • Unlimited Free Fund Switches: Move funds without additional switching charges.
  • Flexible Policy Term: Customise policy duration and premium payment term.
  • Online Purchase Option: Policy can be purchased digitally for convenience.
  • Top-Up Premium Option: Invest additional funds whenever required to increase savings.
Invest more and Get more with ULIP Plan Invest more and Get more with ULIP Plan

Benefits of the IndiaFirst Wealth Maximiser Plan

Below are the benefits of IndiaFirst Wealth Maximiser Plan:

    • Maturity Benefit: Upon expiry of the policy term, the policyholder is entitled to the cumulative fund value of the policy plus any top-up investments that he or she has made during the period.
    • Loyalty Benefits: Policyholders who continue the plan for a longer duration may receive additional rewards such as:
      • Loyalty Benefits from the sixth policy year onwards
      • Profit Booster every five years, starting from the tenth policy year
      • Loyalty Advantage for regularly paying premiums

These benefits enhance the total fund value over time.

    • Death Benefit: The nominee also has the added advantage that/she will get a financial guarantee in the situation where the policyholder dies upon termination of the policy, the nominee will receive the larger of the fund value and the sum assured, which will support the family.

Riders Under IndiaFirst Wealth Maximiser Plan

The policy has optional riders to provide more protection:

  • Accidental Death Benefit Rider.
  • Permanent and Total Disability Rider.

These riders will provide additional financial coverage in the event of accidents or disability.

Policy Details of the IndiaFirst Wealth Maximiser Plan

The following are the policy details of the IndiaFirst Wealth Maximiser Plan:

  1. Grace Period:

    The plan offers a grace period to ensure the policy does not lapse due to late premium payments. Annual, half-yearly, and quarterly premium modes have a 30-day grace period, whereas the monthly mode has a 15-day grace period. At this period, the policy still persists.

  2. Revival:

    The policy can lapse in case premiums are not paid, even during the grace period. It may, however, be renewed within three years of the date of the initial unpaid premium. The policyholder should pay all outstanding premiums and any other charges required, and adhere to the insurer's terms to revive the policy.

  3. Free Look Period:

    The policyholder has a 30-day period during which he/she may review the terms and conditions of the policy document upon receipt. They have a period to cancel the policy if the policy fails to meet their expectations, and a refund will be made as per the rules.

    Invest in high growth ULIP Plans Invest in high growth ULIP Plans
  4. Surrender:

    The policy may be surrendered upon expiry of the 5-year lock-in period. Upon surrender, the policyholder will receive the fund value (after any applicable charges), and the policy will be terminated in accordance with its terms.

  5. Fund Switching:

    The plan can be flexed to switch between investment funds based on fluctuating financial objectives or market factors. Without any fee, policyholders are also free to switch their funds unlimitedly and therefore manage and optimise their investment portfolio.

Fund Name NAV sort icon AUM sort icon 5 Yr Returns sort icon 10 Yr Returns sort icon
IndiaFirst Equity Elite Opportunities Fund ₹27.07 ₹153 Cr 9.54% -
IndiaFirst Equity ₹52.04 ₹22 Cr 11.15% 11.99%
IndiaFirst Balanced ₹41.6 ₹10 Cr 9.01% 10.09%
IndiaFirst Debt ₹27.24 ₹1 Cr 4.58% 5.27%
IndiaFirst Equity Pension ₹56.44 ₹11 Cr 12.17% 12.83%
IndiaFirst Balanced Pension ₹43.77 ₹3 Cr 9.31% 10.52%
IndiaFirst Debt Pension ₹26.71 ₹1 Cr 4.47% 5.18%
IndiaFirst Equity 1 ₹47.16 ₹5301 Cr 10.72% 12.25%
IndiaFirst Debt 1 ₹25.41 ₹1960 Cr 5.09% 5.02%
IndiaFirst Balanced 1 ₹36.61 ₹415 Cr 8.59% 9.51%
IndiaFirst Index Tracker ₹39.39 ₹40 Cr 8.67% 11.04%
IndiaFirst Value ₹51.17 ₹276 Cr 10.87% 12.48%
IndiaFirst Bond Fund ₹27.97 ₹324 Cr 5.24% 5.82%
IndiaFirst Equity Advantage Fund ₹51.5 ₹104 Cr 10.71% 12.3%
IndiaFirst Dynamic Asset Allocation ₹37.79 ₹333 Cr 7.62% 7.53%
IndiaFirst EBP Dynamic Moderator Fund ₹22.61 ₹29 Cr 5.74% -
IndiaFirst Flexi Cap Equity Fund ₹18.57 ₹175 Cr - -
IndiaFirst Sustainable Equity Fund ₹15.17 ₹17 Cr - -
See more plans

Exclusions Under the IndiaFirst Wealth Maximiser Plan

Suicidal Clause

If the life assured dies due to suicide within 12 months from policy start or revival, the nominee receives the fund value available on the date of death.

FAQs

  • Can I switch funds during the policy term?

    Yes. The plan allows unlimited fund switches, enabling policyholders to adjust their investments based on market conditions.
  • Are partial withdrawals allowed?

    Partial withdrawals are allowed after completing the five-year lock-in period and once the life assured reaches 18 years of age.
  • Does the plan provide tax benefits?

    Yes. Premiums paid and benefits received may qualify for tax benefits under applicable income tax laws, subject to current regulations.
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Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Average Rating
(Based on 1298 Reviews)

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IndiaFirst ULIP Plans Reviews & Ratings

4.6 / 5 (Based on 1298 Reviews)
(Showing Newest 10 reviews)
Preeti
Hyderabad, January 27, 2026
Smart Savings Smart Choice
Reliance Nippon Life Smart Savings Insurance Plan purchased through PolicyBazaar is a smart choice for long term savings. The plan features are comprehensive ensuring financial security. Kudos to PolicyBazaar for their impressive service.
Akash
Chennai, January 27, 2026
Optimizing Wealth Optimizing Future
Opting for Kotak Mahindra Wealth Optimise through PolicyBazaar was a strategic choice. The plans features are exceptional providing a diverse range of investment options. PolicyBazaars service exceeded my expectations.
Sangeeta
Bengaluru, January 27, 2026
Wealth Accumulation Simplified
SBI Life Smart Wealth Builder made easy by PolicyBazaar gives you easy way to make more money. The plan has strong stuff keeping your future safe. PolicyBazaar did very good service.
Deepak
Udaipur, January 27, 2026
PolicyBazaar Setting the Standard for Service
PolicyBazaars service set a high standard. Their teams knowledge and assistance in choosing the right ULIP plan were exemplary. A top notch experience overall.
Neha
Vadodara, January 27, 2026
A Trustworthy Advisor
PolicyBazaar acted as a trustworthy advisor in helping me select the right ULIP plan. Their teams expertise and professionalism were commendable. Highly satisfied.
Vikram
Surat, January 27, 2026
Service Par Excellence
The service provided by PolicyBazaar was par excellence. Their team went above and beyond to help me choose the right ULIP plan. Kudos to the PolicyBazaar team.
Ananya
Mumbai, January 27, 2026
The Epitome of Customer Service
PolicyBazaars customer service is exemplary. Their team assisted me in selecting the perfect ULIP plan making the entire process seamless. Highly impressed.
Nisha
Amritsar, January 27, 2026
ICICI Pru Signature Signature Investment for Future
Choosing ICICI Pru Signature through PolicyBazaar was a signature move. The plans features are exceptional providing diverse investment options. PolicyBazaars service was outstanding.
Alok
Jaipur, January 27, 2026
Maximized Savings Minimum Hassle
Opting for Max Life Online Savings Plan via PolicyBazaar was a great decision. The plans features are outstanding and PolicyBazaar service is top notch. Highly recommended.
Sunita
Chandigarh, January 27, 2026
A Click to Secure Future
HDFC Life Click two Invest bought through PolicyBazaar provides a secure investment avenue. The plan features are comprehensive and user friendly. PolicyBazaar service was commendable throughout.


˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
Disclaimer: #The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. *Tax benefits and savings are subject to changes in tax laws. All plans listed here are of insurance companies’ funds.
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ

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