Why should I invest in ULIPs rather than

mutual funds ???

Protection of bread winner is key need for
all families

Unit Linked Products

are the best options
for systematic, long
term saving coupled
with protection

ULIP helps combine protection with

investments to meet long term financial
goals
MNYL fund management charges are 1.25%
for growth while mutual funds charge 2.25%.
On a long term basis, 1% difference every
year can erode savings significantly .
Also, most equity funds invest upto 100% in
the markets unlike MNYL ulip fund which
invests only upto 70%. This gives the fund
manager an opportunity to protect investors
from large scale volatility in the returns

Why should I not invest in term with mutual

funds to get better returns???
In a level term product, you pay the same
premium every year for the life of the policy.

Thus, you pay higher than average

premiums in your younger years

Term with mutual

funds is neither as
flexible nor as
customer friendly

Unit linked protection premiums are lower in

younger years and rise as you get older.
Therefore, higher money available in the
younger years for investment, giving better
overall returns due to compounding of your
money
Term plus mutual fund does not allow
flexibility to reduce or increase sum assured,
if so required
Unit linked policies charge premium only for
the difference between cover amount and
value of units in your account therefore
ensuring greater money invested than in
term and mutual fund

Yr
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20

Rate of growth (pa) =

10.00%
UNIT LINKED PRODUCT
Premium
Net Inv
10.00%
10,000.00
7,428.57
49,975.71
10,000.00
8,952.38
54,751.95
10,000.00
9,238.10
51,363.05
10,000.00
9,238.10
46,693.68
10,000.00
9,238.10
42,448.80
10,000.00
9,238.10
38,589.82
10,000.00
9,238.10
35,081.65
10,000.00
9,238.10
31,892.41
10,000.00
9,238.10
28,993.10
10,000.00
9,238.10
26,357.36
10,000.00
9,238.10
23,961.24
10,000.00
9,238.10
21,782.95
10,000.00
9,238.10
19,802.68
10,000.00
9,238.10
18,002.43
10,000.00
9,238.10
16,365.85
10,000.00
9,238.10
14,878.04
10,000.00
9,238.10
13,525.50
10,000.00
9,238.10
12,295.90
10,000.00
9,238.10
11,178.10
10,000.00
9,238.10
10,161.90
200,000.00 182,666.67
568,102.22
Less tax @ nil %
0
Maturity Value
568,102.22

TERM + MUTUAL FUND

Yr Amt Paid Term cost
Inv
Net Inv
1
10,000.00
750.00 9,250.00
9,024.39
2
10,000.00
750.00 9,250.00
9,024.39
3
10,000.00
750.00 9,250.00
9,024.39
4
10,000.00
750.00 9,250.00
9,024.39
5
10,000.00
750.00 9,250.00
9,024.39
6
10,000.00
750.00 9,250.00
9,024.39
7
10,000.00
750.00 9,250.00
9,024.39
8
10,000.00
750.00 9,250.00
9,024.39
9
10,000.00
750.00 9,250.00
9,024.39
10
10,000.00
750.00 9,250.00
9,024.39
11
10,000.00
750.00 9,250.00
9,024.39
12
10,000.00
750.00 9,250.00
9,024.39
13
10,000.00
750.00 9,250.00
9,024.39
14
10,000.00
750.00 9,250.00
9,024.39
15
10,000.00
750.00 9,250.00
9,024.39
16
10,000.00
750.00 9,250.00
9,024.39
17
10,000.00
750.00 9,250.00
9,024.39
18
10,000.00
750.00 9,250.00
9,024.39
19
10,000.00
750.00 9,250.00
9,024.39
20
10,000.00
750.00 9,250.00
9,024.39
200,000.00
180,487.80
Less capital gains tax @ 10 %
Maturity Value
Difference

10.00%
60,711.58
55,192.35
50,174.86
45,613.51
41,466.83
37,697.12
34,270.11
31,154.64
28,322.40
25,747.64
23,406.94
21,279.04
19,344.58
17,585.98
15,987.26
14,533.87
13,212.61
12,011.46
10,919.51
9,926.83
568,559.24
36,855.92
531,703.32
36,398.90

Life Maker and YOU

CAGR 2nd highest in the market at 67.2% as on
13th Feb 06.
Growing Market Conditions.
NAV of MNYL after 17 months at 16.27 as
against 42.78 after 30 months of one of the
competitors.
This means Rs10,000 invested with MNYL in Oct
2004 has become Rs.16,270 today, chances are it
could grow to Rs.42,780 in the next 13 months.

Life Maker and You

Equity exposure capped at 70% to ensure that
customers are protected from the volatility of the
market.
Unparalleled product features like Switch, Redirection, Change in DB options, Choice of DB
options, Top-Ups, Allocation of Top-Ups,
Recovery of Charges, Commission rates, Loyalty
Additions, etc.

Two Solid Reasons as to why

you should sell Life Maker
Dual Benefit of Protection & Investment

CAGR of 67.2% and still growing