Best Life Insurance Policy With High Returns in India: Looking for the best life insurance policy with high returns in India? In 2025, the Indian insurance market offers several lucrative options for individuals seeking not just life cover, but also the opportunity to grow their wealth. Life insurance policies with high returns offer a unique advantage — providing both financial protection and investment growth. In this guide, we will walk you through the best life insurance policies offering high returns in 2025, including Unit Linked Insurance Plans (ULIPs), endowment plans, and more.
Why Choose Life Insurance with High Returns?
Choosing a life insurance policy that offers high returns is an excellent way to secure both your financial future and your family’s future. These policies usually come with the added benefit of investment opportunities, giving you the chance to accumulate wealth over time, while providing life coverage. High-return life insurance plans like ULIPs and endowment policies often provide returns that are better than traditional fixed-income investments like FDs and PPF.
| Insurance Provider | Plan Name | Type | Key Features | Returns | Best For |
| LIC India | LIC’s New Endowment Plan | Endowment Plan | Insurance + Savings Benefits, Bonuses | Attractive bonuses, lump sum payout | Long-term savings and life coverage |
| HDFC Life | Click 2 Wealth | ULIP | Wide range of funds (Equity, Debt, Hybrid) | High market-linked returns | Investors seeking market-linked returns |
| Max Life Insurance | Online Term Plan Plus | Term Plan + Investment | Affordable life cover, investment opportunities | Moderate to high returns | Affordable coverage with investment options |
| SBI Life Insurance | Smart Wealth Builder | ULIP | Multiple funds options, wealth creation and life coverage | High returns from market exposure | Long-term investment, wealth growth |
| Bajaj Allianz | Goal Assure | ULIP | Flexible premiums, Tax Benefits, Investment growth | High returns from equity funds | Goal-based investments (Education, Retirement) |
| ICICI Prudential | Life Signature Plan | ULIP | Flexible investment options based on risk profile | High returns from equity and debt | Wealth-building and life protection |
| Aditya Birla Sun Life | Platinum Wealth Plan | ULIP | High returns from equity, debt, hybrid funds | Market-linked returns | Creating wealth with life insurance |
| Kotak Life Insurance | Kotak Preferred Term Plan | Term Plan + Investment | Low premiums, investment options for higher returns | Moderate to high returns | Low premiums with high returns |
| Reliance Nippon Life | Smart Pension Plan | ULIP (Pension) | Pension planning, Tax benefits, flexible premium options | Excellent returns for retirement | Retirement planning and wealth growth |
| Tata AIA Life Insurance | Smart Growth Plan | ULIP | Flexibility in debt, equity, and hybrid funds | High returns based on funds | Balanced investment with life insurance |
Best Life Insurance Policy With High Returns in India (2025)
1. LIC’s New Endowment Plan
- Type: Endowment Plan
- Returns: Attractive bonuses and lump sum payouts.
- Best For: Long-term savings and life coverage.
- Key Features:
- Provides both insurance and savings benefits.
- Bonuses increase policy value, offering high returns over time.
2. HDFC Life Click 2 Wealth
- Type: ULIP
- Returns: High returns from equity-based investments.
- Best For: Investors seeking market-linked returns.
- Key Features:
- Wide range of funds to choose from (equity, debt, hybrid).
- Life cover with investment growth.
3. Max Life Online Term Plan Plus
- Type: Term Plan with Investment Options
- Returns: High returns with a flexible investment strategy.
- Best For: Affordable life cover and investment opportunities.
- Key Features:
- Low premiums for significant coverage.
- Investment component for higher returns.
4. SBI Life Smart Wealth Builder
- Type: ULIP
- Returns: High market-linked returns.
- Best For: Long-term investors looking to grow their wealth.
- Key Features:
- Multiple fund options to match your risk profile.
- Regular premium payments help in accumulating wealth.
5. Bajaj Allianz Life Goal Assure
- Type: ULIP
- Returns: Market-linked returns, especially from equity funds.
- Best For: Goal-based investments, such as education or retirement.
- Key Features:
- Wealth creation with life insurance coverage.
- Flexible premium options and tax benefits.
6. ICICI Prudential Life Signature Plan
- Type: ULIP
- Returns: High returns due to equity and debt market exposure.
- Best For: Individuals who are looking for high returns and protection.
- Key Features:
- Tailored investment options based on risk appetite.
- Wealth-building and life coverage combined.
7. Aditya Birla Sun Life Insurance Platinum Wealth Plan
- Type: ULIP
- Returns: High market returns with growth opportunities.
- Best For: People who want to create wealth while staying protected.
- Key Features:
- High returns from equity investments.
- Flexible plans that suit individual financial needs.
8. Kotak Life Insurance – Kotak Preferred Term Plan
- Type: Term Plan with Investment Option
- Returns: Moderate to high returns based on investment options.
- Best For: Those who prefer low premiums with higher returns.
- Key Features:
- Customizable investment and premium options.
- Life coverage with the potential for wealth accumulation.
9. Reliance Nippon Life Smart Pension Plan
- Type: ULIP (Pension Plan)
- Returns: Excellent returns, especially for retirement planning.
- Best For: Building a retirement fund and accumulating wealth.
- Key Features:
- Pension-focused investment.
- Tax benefits under 80C and 10(10D).
10. Tata AIA Life Insurance – Smart Growth Plan
- Type: ULIP
- Returns: High returns based on equity, hybrid, and debt funds.
- Best For: Balanced investment with life insurance coverage.
- Key Features:
- Investment flexibility in debt, equity, and hybrid funds.
- Life coverage combined with wealth-building opportunities.
Key Benefits of High-Return Life Insurance Plans
- Wealth Accumulation: Grow your wealth through market-linked returns, giving you the potential to beat inflation.
- Tax Benefits: Enjoy tax deductions under Section 80C and tax-free payouts under Section 10(10D).
- Flexibility: Choose from various fund options that match your risk tolerance and financial goals.
- Life Protection: These plans offer life coverage, providing security to your family in case of an unforeseen event.
Things to Keep in Mind When Choosing High-Return Life Insurance Plans
- Risk Tolerance: Some policies, especially ULIPs, are market-linked, meaning returns may fluctuate based on market performance. Assess your comfort with market risk.
- Policy Tenure: Longer tenures generally result in better returns as they allow investments to grow over time.
- Premium Payments: Choose a policy that fits your financial capacity in terms of premium payments and coverage.
Conclusion
Choosing the best life insurance policy with high returns in India can significantly improve your financial health. ULIPs, endowment plans, and pension plans are excellent choices for those seeking both protection and wealth creation. Be sure to assess your needs, goals, and risk appetite before selecting a policy. Compare plans, and consult with financial advisors to make an informed decision.
Start your investment journey with the best life insurance policies in India today, and secure a financially stable future for both you and your loved ones!