[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"nav-categories":3,"article-overlooking-this-ulip-advantage-could-lead-to-financial-losses":70},{"data":4},[5,37,57,64],{"name":6,"slug":7,"categories":8},"Productivity","productivity",[9,13,17,21,25,29,33],{"id":10,"title":11,"slug":12},17,"Branding","branding",{"id":14,"title":15,"slug":16},19,"Marketing","marketing",{"id":18,"title":19,"slug":20},20,"Work","work",{"id":22,"title":23,"slug":24},34,"Community","community",{"id":26,"title":27,"slug":28},21,"For newbies","for-newbies",{"id":30,"title":31,"slug":32},24,"Investment","investment",{"id":34,"title":35,"slug":36},22,"Finance","finance",{"name":38,"slug":39,"categories":40},"Tech","tech",[41,45,49,53],{"id":42,"title":43,"slug":44},28,"Technology","technology",{"id":46,"title":47,"slug":48},32,"Artificial Intelligence","artificial-intelligence",{"id":50,"title":51,"slug":52},26,"Security and protection","security-and-protection",{"id":54,"title":55,"slug":56},31,"YouTube Blog","youtube-blog",{"name":58,"slug":59,"categories":60},"News","news",[61],{"id":62,"title":58,"slug":63},18,"quasanews",{"name":65,"slug":66,"categories":67},"Business","business",[68],{"id":69,"title":65,"slug":66},16,{"post":71,"published_news":97,"popular_news":163,"categories":233},{"title":72,"description":73,"meta_title":72,"meta_description":74,"meta_keywords":75,"text":76,"slug":77,"created_at":78,"publish_at":79,"formatted_created_at":80,"category_id":34,"links":81,"view_type":86,"video_url":87,"views":88,"likes":89,"lang":90,"comments_count":89,"category":91},"Overlooking This ULIP Advantage Could Lead to Financial Losses!","A Unit-linked Insurance Plan is unusual because it provides the policyholder with two benefits.","ULIPs offer more than just market-linked growth and insurance—they’re a tax-efficient gateway to financial security","It could be the difference between a good investment and a great one","\u003Cp>Hello!\u003C/p>\n\n\u003Cp>\u003Cpicture class=\"image-align-right\">\u003Csource srcset=\"https://cdn.quasa.io/photos/foto-14/aaaz-6.webp\" type=\"image/webp\">\u003Cimg alt=\"Ignoring This Benefit of ULIPs can Cost You Money!\" class=\"image-align-right\" height=\"170\" src=\"https://cdn.quasa.io/photos/foto-14/aaaz-6.jpeg\" width=\"297\" />\u003C/picture>Unit-Linked Insurance Plans (ULIPs) have gained significant popularity among investors seeking a dual benefit of insurance coverage and wealth creation.\u003C/p>\n\n\u003Cp>While many people focus on the potential returns or the life cover aspect, there’s one critical advantage of ULIPs that often goes unnoticed—and ignoring it could cost you money in the long run. That advantage? Tax benefits.\u003C/p>\n\n\u003Chr />\n\u003Ch4>\u003Cstrong>The Hidden Gem: Tax Savings with ULIPs\u003C/strong>\u003C/h4>\n\n\u003Cp>\u003Cpicture class=\"image-align-left\">\u003Csource srcset=\"https://cdn.quasa.io/photos/foto-14/ald-2.webp\" type=\"image/webp\">\u003Cimg alt=\"Ignoring This Benefit of ULIPs can Cost You Money!\" class=\"image-align-left\" height=\"200\" src=\"https://cdn.quasa.io/photos/foto-14/ald-2.jpeg\" width=\"300\" />\u003C/picture>A ULIP isn’t just a tool for investment or insurance—it’s also a tax-saving instrument that can optimize your \u003Ca href=\"https://quasa.io/media/fundamental-components-for-a-successful-fintech-ecosystem\">financial\u003C/a> planning.\u003C/p>\n\n\u003Cp>Under Section 80C of the Income Tax Act, 1961 in India, the premiums you pay towards a ULIP qualify for a tax deduction of up to ₹1.5 lakh annually.\u003C/p>\n\n\u003Cp>This reduces your taxable income, allowing you to save a significant amount depending on your tax bracket.\u003C/p>\n\n\u003Cp>But that’s not all. The maturity proceeds from a ULIP are also exempt from tax under Section 10(10D), provided certain conditions are met, such as the premium not exceeding 10% of the sum assured for policies issued after April 1, 2012. This means that the wealth you accumulate over the years through a ULIP can be withdrawn tax-free, making it a powerful long-term financial strategy.\u003C/p>\n\n\u003Chr />\n\u003Ch4>\u003Cstrong>Why Overlooking This Matters\u003C/strong>\u003C/h4>\n\n\u003Cp>\u003Cpicture class=\"image-align-left\">\u003Csource srcset=\"https://cdn.quasa.io/photos/foto-14/ald-3.webp\" type=\"image/webp\">\u003Cimg alt=\"Ignoring This Benefit of ULIPs can Cost You Money!\" class=\"image-align-left\" height=\"181\" src=\"https://cdn.quasa.io/photos/foto-14/ald-3.jpeg\" width=\"278\" />\u003C/picture>Many investors get caught up in analyzing market-linked returns or comparing ULIPs with mutual funds, often dismissing the tax advantage as a secondary perk. However, failing to account for these tax benefits can skew your perception of a ULIP’s true value.\u003C/p>\n\n\u003Cp>For instance, if you’re in the 30% tax bracket, the ₹1.5 lakh deduction under Section 80C could save you ₹45,000 in taxes each year. Over a 10- or 15-year policy term, this adds up to a substantial amount that directly boosts your overall returns.\u003C/p>\n\n\u003Cp>Moreover, the tax-free maturity benefit ensures that your earnings aren’t eroded by taxation at the end of the tenure—something that isn’t always guaranteed with other investment options like fixed deposits or debt funds, where interest is taxable.\u003C/p>\n\n\u003Chr />\n\u003Ch4>A Costly Mistake\u003C/h4>\n\n\u003Cp>\u003Cpicture class=\"image-align-right\">\u003Csource srcset=\"https://cdn.quasa.io/photos/foto-14/alf-2.webp\" type=\"image/webp\">\u003Cimg alt=\"Ignoring This Benefit of ULIPs can Cost You Money!\" class=\"image-align-right\" height=\"186\" src=\"https://cdn.quasa.io/photos/foto-14/alf-2.jpeg\" width=\"272\" />\u003C/picture>Let’s break it down with an example. Suppose you invest ₹1 lakh annually in a ULIP and ₹1 lakh in a taxable investment option with similar returns. After 10 years, the ULIP not only saves you ₹45,000 in taxes annually (assuming a 30% tax slab), amounting to ₹4.5 lakh in tax savings, but also delivers tax-free maturity proceeds.\u003C/p>\n\n\u003Cp>In contrast, the taxable investment could see a chunk of its gains eroded by taxes, reducing your net returns. Ignoring this tax efficiency could mean leaving lakhs of rupees on the table.\u003C/p>\n\n\u003Chr />\n\u003Ch4>\u003Cstrong>How to Maximize This Advantage\u003C/strong>\u003C/h4>\n\n\u003Cp>\u003Cpicture class=\"image-align-left\">\u003Csource srcset=\"https://cdn.quasa.io/photos/foto-1/0-fi-11.webp\" type=\"image/webp\">\u003Cimg alt=\"Ignoring This Benefit of ULIPs can Cost You Money!\" class=\"image-align-left\" height=\"195\" src=\"https://cdn.quasa.io/photos/foto-1/0-fi-11.jpeg\" width=\"260\" />\u003C/picture>\u003Cstrong>To fully capitalize on ULIPs’ tax benefits:\u003C/strong>\u003C/p>\n\n\u003Col>\n\t\u003Cli>\u003Cstrong>Plan Early\u003C/strong>: Start your ULIP investment at the beginning of the financial year to spread out premiums and align with your tax planning.\u003C/li>\n\t\u003Cli>\u003Cstrong>Stay Committed\u003C/strong>: ULIPs come with a lock-in period (typically 5 years), but the real tax and growth benefits shine over the long term.\u003C/li>\n\t\u003Cli>\u003Cstrong>Choose Wisely:\u003C/strong> Opt for a ULIP that \u003Ca href=\"https://quasa.io/media/10-things-you-didn-t-know-about-life-insurance\">balances\u003C/a> your risk appetite with fund options (equity, debt, or hybrid) while ensuring the premium aligns with Section 80C limits.\u003C/li>\n\u003C/ol>\n\n\u003Chr />\n\u003Ch4>\u003Cstrong>Conclusion\u003C/strong>\u003C/h4>\n\n\u003Cp>\u003Cpicture class=\"image-align-left\">\u003Csource srcset=\"https://cdn.quasa.io/photos/foto-1/0-fi-15.webp\" type=\"image/webp\">\u003Cimg alt=\"Ignoring This Benefit of ULIPs can Cost You Money!\" class=\"image-align-left\" height=\"184\" src=\"https://cdn.quasa.io/photos/foto-1/0-fi-15.jpeg\" width=\"300\" />\u003C/picture>ULIPs offer more than just market-linked growth and insurance—they’re a tax-efficient gateway to financial security. Overlooking this advantage might not seem like a big deal initially, but as your investment grows, the cost of missed tax savings becomes glaringly apparent.\u003C/p>\n\n\u003Cp>So, the next time you evaluate a ULIP, don’t just look at returns or coverage—factor in the tax benefits. It could be the difference between a good investment and a great one.\u003C/p>\n\n\u003Chr />\n\u003Cp>Thank you!\u003Cbr />\nSubscribe to our newsletter! Join us on social networks!\u003Cbr />\nSee you!\u003C/p>","overlooking-this-ulip-advantage-could-lead-to-financial-losses","2022-03-31T10:46:11.000000Z","2022-03-31T12:30:00.000000Z","31.03.2022",{"image":82,"image_webp":83,"thumb":84,"thumb_webp":85},"https://cdn.quasa.io/images/news/GBo7IHOKXRAORK2uN7K9dbF0Bo3oUa63tOEZMnfb.jpg","https://cdn.quasa.io/images/news/GBo7IHOKXRAORK2uN7K9dbF0Bo3oUa63tOEZMnfb.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/GBo7IHOKXRAORK2uN7K9dbF0Bo3oUa63tOEZMnfb.jpg","https://cdn.quasa.io/thumbs/news-thumb/images/news/GBo7IHOKXRAORK2uN7K9dbF0Bo3oUa63tOEZMnfb.webp","large",null,1415,0,"en",{"id":34,"title":35,"slug":36,"meta_title":92,"meta_description":93,"meta_keywords":94,"deleted_at":87,"created_at":95,"updated_at":96,"lang":90},"Quasa Media's Growth Hacking Finance Blog","Trends in financial literacy. Savings and investment options.","Finance, invest, money, rich, financial plan","2021-10-27T19:57:04.000000Z","2024-08-25T15:36:23.000000Z",[98,113,125,137,150],{"title":99,"description":100,"slug":101,"created_at":102,"publish_at":102,"formatted_created_at":103,"category":104,"links":105,"view_type":110,"video_url":87,"views":111,"likes":89,"lang":90,"comments_count":89,"is_pinned":112},"Cloudflare Just Made Email a First-Class Citizen for AI Agents — And Traditional Email Services Are Feeling It","On April 17, 2026, Cloudflare quietly turned a long-standing dream into reality: it moved Email Service into public beta and added full Email Sending alongside the years-old Email 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proprietary AI platforms to big corporations, Mozilla’s subsidiary MZLA Technologies has taken a very different route.","mozilla-nails-it-thunderbolt-brings-chatgpt-at-home-to-the-enterprise-without-vendor-lock-in","2026-04-19T15:37:27.000000Z",{"title":58,"slug":63},{"image":120,"image_webp":121,"thumb":122,"thumb_webp":123},"https://cdn.quasa.io/images/news/qaAODXSpJy6qpJc0eO9DQ2Y6ccJR1tlL5i3mN0kV.jpg","https://cdn.quasa.io/images/news/qaAODXSpJy6qpJc0eO9DQ2Y6ccJR1tlL5i3mN0kV.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/qaAODXSpJy6qpJc0eO9DQ2Y6ccJR1tlL5i3mN0kV.jpg","https://cdn.quasa.io/thumbs/news-thumb/images/news/qaAODXSpJy6qpJc0eO9DQ2Y6ccJR1tlL5i3mN0kV.webp",25,{"title":126,"description":127,"slug":128,"created_at":129,"publish_at":129,"formatted_created_at":103,"category":130,"links":131,"view_type":110,"video_url":87,"views":136,"likes":89,"lang":90,"comments_count":89,"is_pinned":112},"X Is Finally Cracking Down on Unlabeled Ads — And It’s Personal","For years, X (formerly Twitter) has been a playground for undisclosed promotions, coordinated spam networks, and “native” advertising that masquerades as organic content.","x-is-finally-cracking-down-on-unlabeled-ads-and-it-s-personal","2026-04-19T15:07:48.000000Z",{"title":65,"slug":66},{"image":132,"image_webp":133,"thumb":134,"thumb_webp":135},"https://cdn.quasa.io/images/news/CQJ1gdssFGyJpfhfmRU2X4WT5fk5Boc8APXsjWX6.jpg","https://cdn.quasa.io/images/news/CQJ1gdssFGyJpfhfmRU2X4WT5fk5Boc8APXsjWX6.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/CQJ1gdssFGyJpfhfmRU2X4WT5fk5Boc8APXsjWX6.jpg","https://cdn.quasa.io/thumbs/news-thumb/images/news/CQJ1gdssFGyJpfhfmRU2X4WT5fk5Boc8APXsjWX6.webp",27,{"title":138,"description":139,"slug":140,"created_at":141,"publish_at":142,"formatted_created_at":103,"category":143,"links":144,"view_type":110,"video_url":87,"views":149,"likes":89,"lang":90,"comments_count":89,"is_pinned":112},"Bitcoin Developers Propose BIP-361: Quantum-Proof Migration That Would Freeze Millions of Legacy Coins","In a move that could reshape the security of Bitcoin’s unspent transaction outputs forever, Bitcoin developers have introduced BIP-361 — officially titled “Post Quantum Migration and Legacy Signature Sunset.”","bitcoin-developers-propose-bip-361-quantum-proof-migration-that-would-freeze-millions-of-legacy-coins","2026-04-17T11:38:06.000000Z","2026-04-19T11:29:00.000000Z",{"title":43,"slug":44},{"image":145,"image_webp":146,"thumb":147,"thumb_webp":148},"https://cdn.quasa.io/images/news/XW07GuAbFLRaVskP2iUsv0witLmM4GwiSlwMPZpp.jpg","https://cdn.quasa.io/images/news/XW07GuAbFLRaVskP2iUsv0witLmM4GwiSlwMPZpp.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/XW07GuAbFLRaVskP2iUsv0witLmM4GwiSlwMPZpp.jpg","https://cdn.quasa.io/thumbs/news-thumb/images/news/XW07GuAbFLRaVskP2iUsv0witLmM4GwiSlwMPZpp.webp",47,{"title":151,"description":152,"slug":153,"created_at":154,"publish_at":155,"formatted_created_at":103,"category":156,"links":157,"view_type":110,"video_url":87,"views":162,"likes":89,"lang":90,"comments_count":89,"is_pinned":112},"Thomas Peterffy’s Bold Vision for Prediction Markets: Why Interactive Brokers Is Betting Big on “Useful” Bets","In a wide-ranging conversation on Bloomberg’s Odd Lots podcast, Thomas Peterffy — founder, chairman, and CEO of Interactive Brokers (IBKR) — sat down to discuss one of the most intriguing projects in his company’s 50-year history: IBKR ForecastTrader, the brokerage giant’s freshly launched prediction market 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Enterprisers are people who undertake a business or enterprise with the chance of earning profits or suffering from loss.","the-anatomy-of-an-entrepreneur","2021-08-04T15:18:21.000000Z","2025-12-14T06:09:00.000000Z","14.12.2025",{"title":65,"slug":66},{"image":173,"image_webp":87,"thumb":174,"thumb_webp":174},"https://cdn.quasa.io/images/news/mVsXPTMuHZuI7UXCsENgL1Qwp1uSOf7Rz3uVPMfm.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/mVsXPTMuHZuI7UXCsENgL1Qwp1uSOf7Rz3uVPMfm.webp",70823,2,{"title":178,"description":179,"slug":180,"created_at":181,"publish_at":182,"formatted_created_at":183,"category":184,"links":185,"view_type":86,"video_url":87,"views":190,"likes":191,"lang":90,"comments_count":89,"is_pinned":112},"Advertising on QUASA","QUASA MEDIA is read by more than 400 thousand people a month. We offer to place your article, add a link or order the writing of an article for publication.","advertising-on-quasa","2022-07-06T07:33:02.000000Z","2025-12-15T17:33:02.000000Z","15.12.2025",{"title":58,"slug":63},{"image":186,"image_webp":187,"thumb":188,"thumb_webp":189},"https://cdn.quasa.io/images/news/45SvmdsTQbiyc3nxgbyHY1mpVbisYyub2BCHjqBL.jpg","https://cdn.quasa.io/images/news/45SvmdsTQbiyc3nxgbyHY1mpVbisYyub2BCHjqBL.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/45SvmdsTQbiyc3nxgbyHY1mpVbisYyub2BCHjqBL.jpg","https://cdn.quasa.io/thumbs/news-thumb/images/news/45SvmdsTQbiyc3nxgbyHY1mpVbisYyub2BCHjqBL.webp",70587,4,{"title":193,"description":194,"slug":195,"created_at":196,"publish_at":197,"formatted_created_at":198,"category":199,"links":200,"view_type":110,"video_url":87,"views":203,"likes":191,"lang":90,"comments_count":89,"is_pinned":112},"What is a Startup?","A startup is not a new company, not a tech company, nor a new tech company. You can be a new tech company, if your goal is not to grow high and fast; then, you are not a startup. ","what-is-a-startup","2021-08-04T12:05:17.000000Z","2025-12-17T13:02:00.000000Z","17.12.2025",{"title":65,"slug":66},{"image":201,"image_webp":87,"thumb":202,"thumb_webp":202},"https://cdn.quasa.io/images/news/EOsQhSW3VXyG7a6NPdE1oZd00xfJXe3bjY5aJGb7.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/EOsQhSW3VXyG7a6NPdE1oZd00xfJXe3bjY5aJGb7.webp",68221,{"title":205,"description":206,"slug":207,"created_at":208,"publish_at":209,"formatted_created_at":210,"category":211,"links":212,"view_type":110,"video_url":87,"views":217,"likes":176,"lang":90,"comments_count":218,"is_pinned":112},"Top 5 Tips to Make More Money as a Content Creator","Content creators are one of the most desired job titles right now. Who wouldn’t want to earn a living online?","top-5-tips-to-make-more-money-as-a-content-creator","2022-01-17T17:31:51.000000Z","2026-01-17T11:30:00.000000Z","17.01.2026",{"title":19,"slug":20},{"image":213,"image_webp":214,"thumb":215,"thumb_webp":216},"https://cdn.quasa.io/images/news/gP8kiumBPpJmQv6SMieXiX1tDetx43VwFfO1P4Ca.jpg","https://cdn.quasa.io/images/news/gP8kiumBPpJmQv6SMieXiX1tDetx43VwFfO1P4Ca.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/gP8kiumBPpJmQv6SMieXiX1tDetx43VwFfO1P4Ca.jpg","https://cdn.quasa.io/thumbs/news-thumb/images/news/gP8kiumBPpJmQv6SMieXiX1tDetx43VwFfO1P4Ca.webp",42198,1,{"title":220,"description":221,"slug":222,"created_at":223,"publish_at":224,"formatted_created_at":225,"category":226,"links":227,"view_type":86,"video_url":87,"views":232,"likes":176,"lang":90,"comments_count":89,"is_pinned":112},"8 Logo Design Tips for Small Businesses","Your logo tells the story of your business and the values you stand for.","8-logo-design-tips-for-small-businesses","2021-12-04T21:59:52.000000Z","2025-05-05T03:30:00.000000Z","05.05.2025",{"title":15,"slug":16},{"image":228,"image_webp":229,"thumb":230,"thumb_webp":231},"https://cdn.quasa.io/images/news/Wbx2NtS1CnTupgoQbpFMGspJ5jm4uob2hDOq33r0.jpg","https://cdn.quasa.io/images/news/Wbx2NtS1CnTupgoQbpFMGspJ5jm4uob2hDOq33r0.webp","https://cdn.quasa.io/thumbs/news-thumb/images/news/Wbx2NtS1CnTupgoQbpFMGspJ5jm4uob2hDOq33r0.jpg","https://cdn.quasa.io/thumbs/news-thumb/images/news/Wbx2NtS1CnTupgoQbpFMGspJ5jm4uob2hDOq33r0.webp",41294,[234,235,236,237,238,239,240,241,242,243,244,245,246],{"title":23,"slug":24},{"title":47,"slug":48},{"title":55,"slug":56},{"title":43,"slug":44},{"title":51,"slug":52},{"title":31,"slug":32},{"title":35,"slug":36},{"title":27,"slug":28},{"title":19,"slug":20},{"title":15,"slug":16},{"title":58,"slug":63},{"title":11,"slug":12},{"title":65,"slug":66}]