CRISIL Unit Linked Insurance Plan Ranking 3 Value Equity1 - - - Debt - - 3 3 - - - 3 - - Reliance...

CRISIL Unit Linked Insurance Plan Ranking As on October 2017

2

ULIP categories

For the purpose of ranking, ULIPs are classified under four categories: Wealth I – Regular, Wealth I – Single, Wealth

II – Regular and Child.

Sr. No. Category Description

1 Wealth I – Regular

These are conventional ULIP plans, where an investor pays regular premiums till the policy

matures and receives fund value on maturity. Such policies offer the higher of sum assured,

minimum death benefit or fund value in the event of death of the insured.

2 Wealth I – Single

These are conventional ULIP plans, where an investor pays a one-time premium and receives

fund value on maturity. Such policies offer the higher of sum assured, minimum death benefit or

fund value in the event of death of the insured.

3 Wealth II – Regular

These are conventional ULIP plans, where an investor pays regular premium till the policy

matures and receives fund value on maturity. Such policies, offer both sum assured and fund

value in the event of death of the insured.

4 Child The primary life insured is the parent and in case of parent’s death, child receives the sum assured

immediately and future premiums are waived off and on maturity fund value is given to the child.

Cluster ranking

Definition and interpretation of cluster ranks:

Cluster Rank* Interpretation - Cost Interpretation – Performance

1 Low cost Very good performance in the category (top 10 percentile of the universe)

2 Below average cost Good performance in the category

3 Average cost Average performance in the category

4 Above average cost Below average performance in the category

5 Relatively high cost Relatively weak performance in the category

* If the top 10 percentile figure is not an integer, the same is rounded off to the nearest integer. The same approach is adopted for CRISIL ULIP

Rank 2 (11th to 30th percentile), CRISIL ULIP Rank 5 (last 91st to 100th percentile) and CRISIL ULIP Rank 4 (71st to 90th percentile) clusters. The

residual schemes in the universe are placed under CRISIL ULIP Rank 3.

3

ULIPs ranking

Wealth I – Regular

Insurance company ULIP Cost rank Large-cap oriented funds Mid-cap

oriented funds Debt long term funds

Debt short term

funds

Bajaj Allianz Life Future Gain 1

Equity Growth Fund

II

Bluechip

Equity Fund - -

Accelerator Mid-

Cap Fund II Bond Fund - -

2 4 - - 3 3 - -

Edelweiss Tokio Life Wealth Ultima 1

Equity Large Cap

Fund - - - Equity Top 250 - - Bond Fund

1 - - - 3 - - 2

Reliance Nippon Life Smart Savings 1 Life Equity Fund 3 - - - -

Life Corporate

Bond Fund 1 - -

3 - - - - 3 - -

Aditya Birla Sun life Fortune Elite 2 Maximiser Super 20 - - Multiplier

Income

Advantage - Assure

3 4 - - 2 3 - 3

Edelweiss Tokio Life Wealth Accumulation

(Accelerated Cover) 2

Equity Large Cap


1 - - - 3 - - 2

Kotak Mahindra Life Invest Maxima 2

Classic

Opportunities Fund

Frontline

Equity Fund - - -

Dynamic Bond

Fund

Dynamic

Gilt Fund -

2 2 - - - 3 3 -

Reliance Nippon Life Premier Wealth 2 Life Equity Fund 3 - - - -

Life Corporate

Bond Fund 1 - -

3 - - - - 3 - -

SBI Life Smart Wealth Builder 2 Equity elite fund II Equity Fund

Equity

Optimiser

Fund

Top

300

Fund

- Bond Fund - -

2 3 3 3 - 2 - -

4



Debt short term

funds

Tata AIA Life Fortune Pro 2

Large Cap Equity

Fund

Top 50

Fund

Top 200

Fund -

Mid Cap Equity

Fund Income Fund -

Short-Term Fixed

Income Fund

3 3 2 - 1 2 - 4

Aditya Birla Sun life Wealth Aspire 3 Maximiser Super 20 - - Multiplier

Income

Advantage - Assure

3 4 - - 2 3 - 3

Aegon Life Future Protect 3 Accelerator Fund - - - - Debt Fund - Secure Fund

4 - - - - 5 - 1

Canara HSBC Oriental

Bank of Commerce Life Dream Smart 3

Equity II Fund - - - - Debt Plus Fund - -

4 - - - - 4 - -


Bank of Commerce Life Smart Goals 3


4 - - - - 4 - -

DHFL Pramerica Life Smart Wealth + 3

Large Cap Equity

Fund - - - - Debt Fund - -

5 - - - - 4 - -

Future Generali India

Life Wealth Protect Plan 3

Opportunity Fund - - - - Income Fund - -

4 - - - - 4 - -

HDFC Life ProGrowth Plus 3 Blue Chip Fund - - -

Opportunities

Fund Income Fund - -

3 - - - 5 3 - -

IDBI Federal Life Wealth Gain 3 - - - - Midcap Fund Bond Fund - Income Fund

- - - - 4 4 - 5

Kotak Mahindra Life Ace Investment 3

Classic

Opportunities Fund

Frontline

Equity Fund - - -

Dynamic Bond

Fund

Dynamic

Gilt Fund -

2 2 - - - 3 3 -

Kotak Mahindra Life Platinum 3

Classic

Opportunities Fund

Frontline

Equity Fund - - -

Dynamic Bond

Fund

Dynamic

Gilt Fund -

2 2 - - - 3 3 -

5



Debt short term

funds

Max Life Fast Track Super 3 Growth Super Fund - - - - Secure Fund

Secure

Plus Fund -

3 - - - - 2 2 -

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 - -

4 - - - - 4 - -

HDFC Life ProGrowth Flexi - Life

Option 4

Blue Chip Fund - - - Opportunities


3 - - - 5 3 - -

HDFC Life

Sampoorn Nivesh -

Classic Benefit

(Life Option)

4 Blue Chip Fund - - -

Opportunities


3 - - - 5 3 - -

PNB MetLife Easy Super 4 Virtue II Flexi Cap Multiplier II - - Protector II

Preserver

II -

1 3 5 - - 3 5 -

Reliance Nippon Life Classic Plan II 4 Life Equity Fund 3 - - - -

Life Corporate

Bond Fund 1 - -

3 - - - - 3 - -

Exide Life Prospering Life Plus 5 Prime Equity Fund - - - - Preserver Fund - -

4 - - - - 3 - -

IndiaFirst Life Money Balance 5 Value Equity1 - - - Debt - -

3 3 - - - 3 - -

IndiaFirst Life Smart Save 5 Value Equity1 - - - Debt - -

3 3 - - - 3 - -

6

Wealth I – Single



Debt short term

funds


Bank of Commerce Life Shubh Labh 1


4 - - - - 4 - -

SBI Life Smart Privilege 1 Equity elite fund II Equity Fund

Equity

Optimiser

Fund

Top 300

Fund - Bond Fund - -

2 3 3 3 - 2 - -


Bank of Commerce Life Smart One Pay 2


4 - - - - 4 - -

ICICI Prudential Life Elite Life Super 2

Multi Cap Growth

Fund

Opportunities

Fund

Maximiser

V

Bluechip

Fund - Income Fund - -

1 2 3 3 - 1 - -

ICICI Prudential Life Elite Wealth Super 2

Multi Cap Growth

Fund

Opportunities

Fund

Maximiser

V

Bluechip


1 2 3 3 - 1 - -

ICICI Prudential Life Lifetime classic 2

Multi Cap Growth

Fund

Opportunities

Fund

Maximiser

V

Bluechip


1 2 3 3 - 1 - -

Aditya Birla Sun life Wealth Max 3 Maximiser Super 20 - - Multiplier

Income

Advantage - Assure

3 4 - - 2 3 - 3

7



Debt short term

funds

Bajaj Allianz Life Fortune Gain 3

Equity Growth Fund

II

Bluechip

Equity Fund - -

Accelerator Mid-

Cap Fund II Bond Fund - -

2 4 - - 3 3 - -

DHFL Pramerica Life Wealth+ACE 3

Large Cap Equity

Fund - - - - Debt Fund - -

5 - - - - 4 - -

Edelweiss Tokio Life Wealth Enhancement

Ace 3

Equity Large Cap


1 - - - 3 - - 2

IDBI Federal Life Wealthsurance

Growth SP 3

- - - - Midcap Fund Bond Fund - Income Fund

- - - - 4 4 - 5

IndiaFirst Life Wealth Maximizer

Plan 3

Value Equity1 - - - Debt - -

3 3 - - - 3 - -

Reliance Nippon Life Premier Wealth 3 Life Equity Fund 3 - - - -

Life Corporate

Bond Fund 1 - -

3 - - - - 3 - -

SBI Life Smart Elite - Gold 3 Equity elite fund II Equity Fund

Equity

Optimiser

Fund

Top 300


2 3 3 3 - 2 - -

SBI Life Smart Wealth Builder 3 Equity elite fund II Equity Fund

Equity

Optimiser

Fund

Top 300


2 3 3 3 - 2 - -

8



Debt short term

funds

Tata AIA Life InvestOne 3

Large Cap Equity

Fund Top 50 Fund

Top 200

Fund -

Mid Cap Equity

Fund Income Fund -

Short-Term Fixed

Income Fund

3 3 2 - 1 2 - 4

HDFC Life

Sampoorn Nivesh -

Classic Benefit (Life

Option)

4 Blue Chip Fund - - -

Opportunities


3 - - - 5 3 - -

Reliance Nippon Life Classic Plan II 4 Life Equity Fund 3 - - - -

Life Corporate

Bond Fund 1 - -

3 - - - - 3 - -

SBI Life Smart Wealth Assure 4 Equity elite fund II Equity Fund

Equity

Optimiser

Fund

Top 300


2 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 -

Mid Cap Equity

Fund Income Fund -

Short-Term Fixed

Income Fund

3 3 2 - 1 2 - 4

9

Wealth II - Regular

Insurance company ULIP Cost

rank Large-cap oriented funds

Mid-cap


Debt short term

funds

ICICI Prudential Life Life Time Classic 1

Multi Cap Growth

Fund

Opportunities

Fund Maximiser V

Bluechip


1 2 3 3 - 1 - -

Edelweiss Tokio Life Wealth Accumulation

(Cover Plus) 2

Equity Large Cap


1 - - - 3 - - 2

Aegon Life Future Protect Plus 3 Accelerator Fund - - - - Debt Fund - Secure Fund

4 - - - - 5 - 1


Family 3


4 - - - - 3 - -

HDFC Life Sampoorn Nivesh -

Classic Plus Benefit 3



3 - - - 5 3 - -

Shriram Life Wealth Plus 4 Accelerator - - - - Preserver - -

5 - - - - 1 - -

HDFC Life SL ProGrowth Super

II - Life Option 5



3 - - - 5 3 - -

10

Child

Insurance company ULIP Cost Large-cap oriented Mid-cap

oriented Debt long term Debt short term

ICICI Prudential Life Smart Life 1

Multi Cap Growth

Fund

Opportunities

Fund

Maximiser

V

Bluechip


1 2 3 3 - 1 - -


Child 2


4 - - - - 3 - -

IDBI Federal Life Wealthsurance Future

Star 2

- - - - Midcap Fund Bond Fund - Income Fund

- - - - 4 4 - 5

SBI Life Smart Scholar 2 Equity elite fund II Equity Fund

Equity

Optimiser

Fund

Top 300


2 3 3 3 - 2 - -

Aegon Life Rising Star 3 Accelerator Fund - - - - Debt Fund - Secure Fund

4 - - - - 5 - 1


Bank of Commerce

Life

Future Smart 3 Equity II Fund - - - - Debt Plus Fund - -

4 - - - - 4 - -


Bank of Commerce

Life

Smart Future 3


4 - - - - 4 - -

Kotak Mahindra Life Headstart Child

Assure 3

Classic Opportunities

Fund

Frontline

Equity Fund - - -

Dynamic Bond

Fund

Dynamic

Gilt Fund -

2 2 - - - 3 3 -

Max Life Shiksha Plus Super 3 Growth Super Fund - - - - Secure Fund

Secure

Plus Fund -

3 - - - - 2 2 -

11

Insurance company ULIP Cost Large-cap oriented Mid-cap

oriented Debt long term Debt short term

IndiaFirst Life Happy India 4 Value Equity1 - - - Debt - -

3 3 - - - 3 - -

Kotak Mahindra Life Wealth 4

Classic Opportunities

Fund

Frontline

Equity Fund - - -

Dynamic Bond

Fund

Dynamic

Gilt Fund -

2 2 - - - 3 3 -

PNB MetLife Smart Child 4 Virtue II Flexi Cap Multiplier II - - Protector II

Preserver

II -

1 3 5 - - 3 5 -

HDFC Life SL Youngstar Super

Premium - Life Option 5



3 - - - 5 3 - -

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