IndiaFirst Life Radiance Smart Invest Plan

🚀 Invest Smart. Grow Wealth. Protect Your Family.

The IndiaFirst Life Radiance Smart Invest Plan is a Unit Linked Insurance Plan (ULIP) that combines the power of market-linked wealth creation with life insurance protection. It is designed for individuals who want to achieve long-term financial goals while ensuring their family's financial security.

🌟 Why Choose Radiance Smart Invest Plan?

📈 Wealth Creation Potential

Invest in market-linked funds and build wealth for your future goals such as:

🎓 Child's Education

🏡 Dream Home

💍 Child's Marriage

🌍 Foreign Travel

🌴 Retirement Planning

💰 Wealth Accumulation

The plan offers multiple fund options to match your risk profile and investment objectives.

🛡️ Life Insurance Protection

Your family remains financially secure with comprehensive life cover throughout the policy term.

💙 Protection + Investment

💙 Financial Security for Loved Ones

💙 Guaranteed Death Benefit Provisions

🎯 Three Protection Options

1️⃣ Life Option

✅ Pure Life Insurance Cover

On death, nominee receives:

💰 Higher of Fund Value or Sum Assured

2️⃣ Extra Shield Option

🛡️ Enhanced Protection

✔ Additional Accidental Death Benefit

✔ Extra Financial Security

✔ Higher Protection for Family

3️⃣ Family Care Option

👨‍👩‍👧 Family Future Protection

If the life assured passes away:

✅ Future premiums are funded by the company

✅ Policy continues

✅ Maturity benefit is paid to the nominee

This helps ensure that your family's financial goals remain on track.

💎 Key Features

💯 Zero Premium Allocation Charges

Your entire premium gets invested.

✅ More Money Working for You

✅ Better Wealth Creation Potential

💯 Zero Policy Administration Charges

No policy administration charges, helping maximize investment efficiency.

🔄 Unlimited Free Fund Switches

Switch between funds without additional switching charges.

📊 Respond to Market Conditions

📈 Optimize Investments

📉 Manage Risk Better

📊 10 Diverse Fund Options

Choose from:

🌟 Equity Funds

🌟 Debt Funds

🌟 Balanced Funds

🌟 Liquid Funds

Based on your risk appetite and financial goals.

🚀 Six Smart Investment Strategies

🎯 Automatic Trigger Strategy

Automatically shifts gains to safer funds after predefined growth levels.

📊 Fund Transfer Strategy

Uses rupee cost averaging for systematic investing.

👶 Age-Based Strategy

Reduces risk as you grow older.

⚖️ Defined Allocation Strategy

Maintains your preferred asset allocation.

🔒 Smart Switch Strategy

Protects accumulated wealth as maturity approaches.

👨‍💼 Self-Managed Strategy

Full control over your investments.

💰 Maturity Benefits

At maturity, you can choose:

💵 Lump Sum Payout

Receive the entire accumulated fund value.

OR

📅 Settlement Option

Receive payouts over up to 5 years:

✔ Monthly

✔ Quarterly

✔ Half-Yearly

✔ Yearly

Based on your preference.

🎁 Additional Benefit

💸 Return of Mortality Charges

All mortality charges deducted during the policy term are returned at maturity, subject to policy conditions and continuation.

💳 Premium Options

Choose according to your convenience:

🔹 Regular Pay

Premium payable throughout the policy term.

🔹 Limited Pay

Premium payment terms:

✔ 5 Years

✔ 7 Years

✔ 10 Years

✔ 15 Years

✔ 20 Years

🔹 Single Pay

One-time investment option.

👥 Ideal For

👨 Young Professionals

👩 High Income Earners

👨‍👩‍👧 Parents Planning Children's Future

🏢 Business Owners

🌴 Retirement Planners

📈 Investors Looking for Market-Linked Growth

⭐ Key Advantages

✅ Life Insurance + Investment in One Plan

✅ Zero Allocation Charges

✅ Zero Policy Administration Charges

✅ 10 Fund Choices

✅ 6 Smart Investment Strategies

✅ Unlimited Fund Switches

✅ Return of Mortality Charges

✅ Flexible Maturity Payout Options

✅ Long-Term Wealth Creation

✅ Tax Benefits as per prevailing tax laws