CRISIL ULIP Ranking 

CRISIL Unit Linked Insurance Plans (ULIP) rankings are based on two factors – cost and portfolio performance, this encompasses the primary two features offered by ULIPs viz., life cover and investment.

 

These rankings not only facilitate investors in evaluating plans, within each of the categories ranked, aiding decision making; but also provide an ideal platform to insurance companies and distributors, to benchmark various types of ULIPs on a common evaluation criteria.

 

Insurance company ULIP Cost rank* Large-cap oriented funds Mid-cap oriented funds Debt long term funds Debt short term funds
Bharti AXA Life Grow Wealth 1 Growth Opportunities Plus Fund Grow Money Plus Fund - - - Steady Money Fund - Safe Money Fund
1 2 - - - 2 - 2
Edelweiss Tokio Life Wealth Plus 1 Equity Large Cap Fund - - - Equity Top 250 - - Bond Fund
2 - - - 5 - - 3
Edelweiss Tokio Life Wealth Ultima 1 Equity Large Cap Fund - - - Equity Top 250 - - Bond Fund
2 - - - 5 - - 3
Bajaj Allianz Life Future Gain 2 Equity Growth Fund II Bluechip Equity Fund - - Accelerator Mid-Cap Fund II Bond Fund - -
1 4 - - 3 3 - -
Bajaj Allianz Life Goal Assure 2 Equity Growth Fund II Bluechip Equity Fund - - Accelerator Mid-Cap Fund II Bond Fund - -
1 4 - - 3 3 - -
DHFL Pramerica Life Wealth Maximiser 2 Large Cap Equity Fund - - - - Debt Fund - -
5 - - - - 3 - -
Edelweiss Tokio Life Wealth Accumulation (Accelerated Cover) 2 Equity Large Cap Fund - - - Equity Top 250 - - Bond Fund
2 - - - 5 - - 3
Kotak Life Invest Maxima 2 Classic Opportunities Fund Frontline Equity Fund - - - Dynamic Bond Fund Dynamic Gilt Fund -
2 2 - - - 3 4 -
Reliance Nippon Life Smart Savings 2 Life Pure Equity Fund 2 Life Equity Fund 3 - - - Life Corporate Bond Fund 1 - -
2 3 - - - 3 - -
Aditya Birla Sun Life Fortune Elite 3 Maximiser Super 20 - - - Income Advantage - Assure
3 4 - - - 3 - 3
Aditya Birla Sun Life Wealth Aspire 3 Maximiser Super 20 - - - Income Advantage - Assure
3 4 - - - 3 - 3
Canara HSBC Oriental Bank of Commerce Life Smart Goals 3 Equity II Fund - - - - Debt Plus Fund - -
4 - - - - 4 - -
DHFL Pramerica Life Smart Wealth + 3 Large Cap Equity Fund - - - - Debt Fund - -
5 - - - - 3 - -
Future Generali India Life Wealth Protect Plan 3 Opportunity Fund - - - - Income Fund - -
5 - - - - 4 - -
HDFC Life ProGrowth Plus 3 Blue Chip Fund - - - Opportunities Fund Income Fund - -
3 - - - 4 3 - -
Kotak Life Ace Investment 3 Classic Opportunities Fund Frontline Equity Fund - - - Dynamic Bond Fund Dynamic Gilt Fund -
2 2 - - - 3 4 -
Kotak Life Platinum 3 Classic Opportunities Fund Frontline Equity Fund - - - Dynamic Bond Fund Dynamic Gilt Fund -
2 2 - - - 3 4 -
Max Life Fast Track Super 3 Growth Super Fund - - - - Secure Fund Secure Plus Fund -
3 - - - - 2 3 -
SBI Life Smart Wealth Builder 3 Equity elite fund II Equity Fund Equity Optimiser Fund Top 300 Fund - Bond Fund - -
3 3 3 3 - 2 - -
Tata AIA Life Fortune Pro 3 Large Cap Equity Fund Top 50 Fund Top 200 Fund - Whole Life Mid Cap Equity Fund Whole Life Income Fund - Whole Life Short-Term Fixed Income Fund
3 3 2 - 2 2 - 4
Aegon Life Future Protect 4 Accelerator Fund - - - - Debt Fund - Secure Fund
4 - - - - 4 - 1
Exide Life Wealth Maxima - Invest 4 Prime Equity Fund - - - - Preserver Fund - -
4 - - - - 3 - -
Future Generali India Life Bima Advantage Plus 4 Opportunity Fund - - - - Income Fund - -
5 - - - - 4 - -
HDFC Life ProGrowth Flexi - Life Option 4 Blue Chip Fund - - - Opportunities Fund Income Fund - -
3 - - - 4 3 - -
HDFC Life Sampoorn Nivesh - Classic Benefit (Life Option) 4 Blue Chip Fund - - - Opportunities Fund Income Fund - -
3 - - - 4 3 - -
Reliance Nippon Life Classic Plan II 4 Life Pure Equity Fund 2 Life Equity Fund 3 - - - Life Corporate Bond Fund 1 - -
2 3 - - - 3 - -
Exide Life Prospering Life Plus 5 Prime Equity Fund - - - - Preserver Fund - -
4 - - - - 3 - -
IndiaFirst Life Money Balance 5 Value Equity1 - - - Debt - -
3 4 - - - 3 - -
IndiaFirst Life Smart Save 5 Value Equity1 - - - Debt - -
3 4 - - - 3 - -
Insurance company ULIP Cost rank* Large-cap oriented funds Mid-cap oriented funds Debt long term funds   Debt short term funds
Canara HSBC Oriental Bank of Commerce Life Shubh Labh 1 Equity II Fund - - - - Debt Plus Fund - -
4 - - - - 4 - -
SBI Life Smart Privilege 1 Equity elite fund II Equity Fund Equity Optimiser Fund Top 300 Fund - Bond Fund - -
3 3 3 3 - 2 - -
Canara HSBC Oriental Bank of Commerce Life Smart One Pay 2 Equity II Fund - - - - Debt Plus Fund - -
4 - - - - 4 - -
ICICI Prudential Life Elite Life Super 2 Multi Cap Growth Fund Opportunities Fund Maximiser V Bluechip Fund - Income Fund - -
1 2 3 4 - 1 - -
ICICI Prudential Life Elite Wealth Super 2 Multi Cap Growth Fund Opportunities Fund Maximiser V Bluechip Fund - Income Fund - -
1 2 3 4 - 1 - -
ICICI Prudential Life Life Time Classic 2 Multi Cap Growth Fund Opportunities Fund Maximiser V Bluechip Fund - Income Fund - -
1 2 3 4 - 1 - -
Aditya Birla Sun Life Wealth Max 3 Maximiser Super 20 - - - Income Advantage - Assure
3 4 - - - 3 - 3
Bajaj Allianz Life Fortune Gain 3 Equity Growth Fund II Bluechip Equity Fund - - Accelerator Mid-Cap Fund II Bond Fund - -
1 4 - - 3 3 - -
Bharti AXA Life Grow Wealth 3 Growth Opportunities Plus Fund Grow Money Plus Fund - - - Steady Money Fund - Safe Money Fund
1 2 - - - 2 - 2
DHFL Pramerica Life Wealth+ACE 3 Large Cap Equity Fund - - - - Debt Fund - -
5 - - - - 3 - -
Edelweiss Tokio Life Wealth Enhancement Ace 3 Equity Large Cap Fund - - - Equity Top 250 - - Bond Fund
2 - - - 5 - - 3
IDBI Federal Life Wealthsurance Growth SP 3 - - - - - Bond Fund - Income Fund
- - - - - 5 - 5
IndiaFirst Life Wealth Maximizer Plan 3 Value Equity1 - - - Debt - -
3 4 - - - 3 - -
Reliance Nippon Life Premier Wealth 3 Life Pure Equity Fund 2 Life Equity Fund 3 - - - Life Corporate Bond Fund 1 - -
2 3 - - - 3 - -
Tata AIA Life InvestOne 3 Large Cap Equity Fund Top 50 Fund Top 200 Fund - Whole Life Mid Cap Equity Fund Whole Life Income Fund - Whole Life Short-Term Fixed Income Fund
3 3 2 - 2 2 - 4
HDFC Life Sampoorn Nivesh - Classic Benefit (Life Option) 4 Blue Chip Fund - - - Opportunities Fund Income Fund - -
3 - - - 4 3 - -
Reliance Nippon Life Classic Plan II 4 Life Pure Equity Fund 2 Life Equity Fund 3 - - - Life Corporate Bond Fund 1 - -
2 3 - - - 3 - -
SBI Life Smart Wealth Assure 4 Equity elite fund II Equity Fund Equity Optimiser Fund Top 300 Fund - Bond Fund - -
3 3 3 3 - 2 - -
Shriram Life Fortune Builder 4 Accelerator - - - - Preserver - -
5 - - - - 1 - -
Exide Life Prospering Life SP 5 Prime Equity Fund - - - - Preserver Fund - -
4 - - - - 3 - -
Tata AIA Life Wealth Pro 5 Large Cap Equity Fund Top 50 Fund Top 200 Fund - Whole Life Mid Cap Equity Fund Whole Life Income Fund - Whole Life Short-Term Fixed Income Fund
3 3 2 - 2 2 - 4
Insurance company ULIP Cost rank* Large-cap oriented funds

Mid-cap

oriented funds

Debt long

term funds

Debt short term funds

ICICI Prudential Life Life Time Classic 1 Multi Cap Growth Fund Opportunities Fund Maximiser V Bluechip Fund - Income Fund -
1 2 3 4 - 1 -
Edelweiss Tokio Life Wealth Accumulation (Cover Plus) 2 Equity Large Cap Fund - - - Equity Top 250 - Bond Fund
2 - - - 5 - 3
Aegon Life Future Protect Plus 3 Accelerator Fund - - - - Debt Fund Secure Fund
4 - - - - 4 1
Exide Life Wealth Maxima - Family 3 Prime Equity Fund - - - - Preserver Fund -
4 - - - - 3 -
HDFC Life Sampoorn Nivesh - Classic Plus Benefit 3 Blue Chip Fund - - - Opportunities Fund Income Fund -
3 - - - 4 3 -
Shriram Life Wealth Plus 4 Accelerator - - - - Preserver -
5 - - - - 1 -
HDFC Life SL ProGrowth Super II - Life Option 5 Blue Chip Fund - - - Opportunities Fund Income Fund -
3 - - - 4 3 -
Insurance company ULIP Cost rank* Large-cap oriented funds Mid-cap oriented funds Debt long term funds Debt short term funds
ICICI Prudential Life Smart Life 1 Multi Cap Growth Fund Opportunities Fund Maximiser V Bluechip Fund - Income Fund - -
1 2 3 4 - 1 - -
Exide Life Wealth Maxima - Child 2 Prime Equity Fund - - - - Preserver Fund - -
4 - - - - 3 - -
Kotak Life Headstart Child Assure 2 Classic Opportunities Fund Frontline Equity Fund - - - Dynamic Bond Fund Dynamic Gilt Fund -
2 2 - - - 3 4 -
Canara HSBC Oriental Bank of Commerce Life Future Smart 3 Equity II Fund - - - - Debt Plus Fund - -
4 - - - - 4 - -
Canara HSBC Oriental Bank of Commerce Life Smart Future 3 Equity II Fund - - - - Debt Plus Fund - -
4 - - - - 4 - -
PNB MetLife India Smart Child 3 Virtue II Flexi Cap Multiplier II - - Protector II Preserver II -
1 3 5 - - 3 5 -
IndiaFirst Life Happy India 4 Value Equity1 - - - Debt - -
3 4 - - - 3 - -
Kotak Life Wealth 4 Classic Opportunities Fund Frontline Equity Fund - - - Dynamic Bond Fund Dynamic Gilt Fund -
2 2 - - - 3 4 -
HDFC Life SL Youngstar Super Premium - Life Option 5 Blue Chip Fund - - - Opportunities Fund Income Fund - -
3 - - - 4 3 - -

* ULIPs within the same cluster rank are arranged alphabetically

 

 

Disclaimer

 

CRISIL has taken due care and caution in compilation of data for its web site. Information has been obtained by CRISIL from sources which it considers reliable. However, CRISIL does not guarantee the accuracy, adequacy or completeness of any information and is not responsible for any errors or omissions or for the results obtained from the use of such information. None of the contents of this website make any recommendation to buy, sell or hold any security and should not be construed as offering investment advice. CRISIL is also not responsible for any errors in transmission and especially states that it has no financial liability whatsoever to the subscribers/ users/ transmitters/ distributors of thecontents of its web site.

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    Business Development
    +91 022 3342 8031
    deepak.mittal@crisil.com

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    Associate Director
    CRISIL Funds and Fixed Income Research
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