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Simplifying Insurance + Investment Decisions with UX Design
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Claudius Crasto
3 Policies
SISO - Your way to
Financial Freedom
Affordable & Flexible premium payment options
Free Fund Switch (Among 18+ Funds)
Nil Exit Load, Zero Tax Implication & No Hidden Charges
Save up to ₹1.5L
Enjoy Tax savings & Benefits under section 80C
Tax-Free Maturity
If annual premium is within ₹2 .5L for ULIP & ₹5L for traditional Plans
What is SISO
Benefits of SISO
SISO vs Mutual Funds
SISO Products
SISO Testimonials
What is SISO?
The SISO approach allows investors to invest in market linked ULIPs (Unit-Linked Insurance Plans) as well as in Traditional Par and Non-Par policies, systematically – and receive their returns systematically.
For example, Mr. Amit, 30, invests ₹5,000/month for 5 years (total ₹3L). His premiums which are invested in BALIC funds continue to grow. At 40, he can either withdraw a lump sum or opt for ₹15,529/month till age 45 — totaling ₹9.3L.
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Smart Cost Averaging
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Avoid market timing risks. SISO helps you buy units at varied price points, reducing your average purchase cost over time.
💡 Example: ₹90,000 invested over 9 months at NAVs ranging from ₹97–₹103 results in an average cost of just ₹99.19.
Disciplined Monthly Investments
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Invest monthly with ease and flexibility. Enjoy the benefits of compounding and cost averaging while staying within your budget.
Tax Benefits
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Enjoy tax deductions under Section 80C and 10(10D), on ULIPs, savings plans, and term plans with Return of Premium (ROP) option attractive tax exemptions.
More Time in the Market
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Stay invested longer and let your money grow even during the withdrawal phase. SISO supports wealth creation through extended market exposure.
Steady & Strategic Withdrawals
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Receive fixed monthly payouts instead of lump-sum redemptions. This helps avoid losses during market dips and supports long-term growth.
Free Fund Switches
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Switch between 18+ fund options anytime—no exit loads, no taxes, no extra charges. Adjust your portfolio based on market trends or life goals.
Example: Move from Large Cap to Mid Cap fund instantly via app—no paperwork, no hassle.
Optimal Money Management
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SISO plans come with Life Cover, ensuring financial protection for your loved ones while helping you build wealth systematically.
Guaranteed Returns in Trad Plans
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SISO plans come with Life Cover, ensuring financial protection for your loved ones while helping you build wealth systematically.
Extra Perks & Value Additions
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Enjoy Loyalty Additions, Maturity Benefits, and Return of Mortality Charges (ROMC) in select ULIP plans. Get more value for your long-term investments and achieve your life goals with added wealth-building benefits, enhanced protection, and tax-saving advantages.
💡 Example: In Future Wealth Gain IV, loyalty additions start from the 15th year, and ROMC is credited back at maturity—boosting your fund value.
Parameters
Insurance Cover on investment
Tax benefits under Section 80C (up to ₹1.5L/year)
Tax benefits under Section 10(10D) (maturity proceeds tax-free if annual premiums ≤ ₹2.5L)
Return of Mortality Charges (ROMC) at policy maturity
Tax-Free Fund Switching: Unlimited fund switch without tax implications
Loyalty Additions & Fund Boosters - Extra rewards for staying invested and paying premiums on time.
Easy Liquidity
SISO
Multiple fund switching allowed in ULIP SISO products, across 18+ funds
Mutual Fund (SIP)
Not tax free, Fund switch involves additional capital gains tax, exit load & other charges
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Parameters
Investment Type
Systematic Investment
Systematic Withdrawal
Returns Expectation
Tax Benefits
Life Insurance Coverage
Fund Switching
Liquidity
Lock-In Period
Charges & Fees
Goal Suitability / Who Should Invest?
Loyalty additions/ Fund boosters
SISO
Insurance-linked investment (ULIPs, endowment, savings plans)
Through regular premium payments in monthly mode
Provides periodic payouts depending on traditional or ULIP plans (post lock-in period of 5 years in ULIPs).
SISO savings product (like ACE) allows you to choose your income amount, income start year, income period and Income preference (level or increasing or both). Customers can also choose to receive income from first month itself or after a fixed period.
Guaranteed returns for traditional/ savings/endowment plans with an insurance cover. For ULIPs, similar returns as benchmark Mutual fund.
In addition, SISO plans offer attractive benefits on loyalty and maturity along with Bonus for traditional polices.
SISO Policy Premiums are eligible for tax deductions under Section 80C (up to ₹1.5 lakh per year).
For policies issued on or after 1st February 2021, the maturity benefit will be tax-free under Section 10(10D) if the aggregate annual premium paid for all ULIPs is up to Rs.2.5 lakhs.
Life insurance is included along with investment.
This flexibility enables investors to adjust their portfolios based on changing market conditions, risk tolerance, or financial goals.
Available in ULIP SISO products, allows switching between equity, debt and balanced funds.
Fund switching is tax-free for ULIP SISO policy.
ULIPs allow partial withdrawals after lock-in period, which help you draw from the fund value for your financial needs. Such withdrawals are tax-free.
ULIPs have a 5-year lock-in period.
ULIPs have charges like premium allocation, mortality, and fund management fees. However, many SISO plans also have Return of Mortality Charges (ROMC) at Maturity, and additional benefits like Loyalty Additions along with Fund boosters.
Ideal for long-term financial planning with insurance benefits - Suited for retirement, child education, wealth creation, or other life goals.
Ideal for Investors looking for both insurance and investment benefits. Those who prefer a structured pay-out plan.
Under some ULIPs, there might be additional returns in the form of loyalty additions, wealth boosters or fund boosters. These additional benefits are declared at a fixed rate and help enhance the fund value. The returns from ULIPs depend on the market performance of the underlying fund.
For savings/traditional plans, there may be additional returns in the form of special bonus/annual bonus as regular intervals depending on the underlying product selected by the policyholder.
Mutual Fund (SIP)
Pure investment in mutual funds
Through regular SIP contributions
Can withdraw systematically using Systematic Withdrawal Plan (SWP).
For ELSS, users can withdraw only post lock-in period of 3 years.
Market-linked returns, can be higher or lower depending on fund performance
Only ELSS funds (with a lock-in of 3 years) qualify for Section 80C benefits (up to ₹1.5 lakh per year).
Capital gains tax: 12.5% on Long Term Capital Gains (LTCG) in equity funds above ₹1.25 lakh (holding period is 1 year & above); 20% on Short-term capital gains (STCG) from equity funds (holding period less than 1 year), effective from 23 July 2024.
Purely an investment product with no insurance cover.
There is no concept of switching in mutual funds. If you want to change funds, you will have to sell or redeem the existing fund and then invest in another fund. This might attract applicable tax implications on the profits made from redeeming a fund.
Higher, can redeem anytime (subject to exit load & capital gains tax). ELSS funds have a lock-in period of 3 years.
ELSS mutual funds have a 3-year lock-in. Other mutual funds have no mandatory lock-in but may have exit loads
Mutual funds have expense ratios (typically 0.5%-2%) but no insurance-related charges.
There are no special perks like fund boosters/loyalty additions.
Investors looking for market-linked returns and flexibility - Those comfortable managing investments independently
Mutual funds do not have any loyalty additions or fund boosters. The returns depend solely on the market performance.
Wide range of investment plans available
ULIPs
Savings Plans
Pure Risk Plans
Bajaj Allianz Life
Magnum Fortune Plus III
A High Insurance Cover Savings plan
Lump sum payout for your loved ones in
your absence
Growth of your savings corpus through market linked returns
Return of Charges to help boost your fund value
Riders available to provide enhanced protection
Bajaj Allianz Life
Invest Protect Goal III
Retired Life Income* till age 99 years with Return Enhancer
Whole of Life Insurance Cover
Loyalty Additions every year from 10th Policy Year till 25th Policy Year for policies with Annualized Premium less than ₹ 10 Lakhs
Periodical Return of Life Cover charges
Tax Benefits under Section 80C & 10(10D)$
Bajaj Allianz Life
LongLife Goal III
Life Cover throughout policy term
Wide Range of funds and portfolio strategy
Loyalty Additions
Unlimited Free Switches
See, how SISO helped others!
Vimmi Mahajan
Customer, NEW DELHI
“I have been investing through a Systematic In Systematic Out Investment Plan (SISO) from last few years and my experience so far has been very positive. SISO has helped me develop a disciplined approach to investing and made it easier to save regularly without feeling the burden of a lump-sum investment and it give me life security also with death benefit.
(Read More)
Uma Rawat
Customer, NEW DELHI
“I am happy to take my final decision to invest in Balic SISO after understanding the benefits SISO has over Mutual Funds. Thanks Sales Team of BALIC to help me in the journey to take the best decision.”
Uma Rawat
Customer, NEW DELHI
“I am happy to take my final decision to invest in Balic SISO after understanding the benefits SISO has over Mutual Funds. Thanks Sales Team of BALIC to help me in the journey to take the best decision.”
Shubham Sachdeva
Chief Manager
I found the digital expertise I needed. Their creative-professional balance exceeded expectations. Friendly interactions, exceptional outcomes. For digital enchantment, it's got to be Embrace!
Want to know which plan suits you?
Request a Callback
Choose Investment Plan
Select a ULIP, Savings Plan with a risk plan that aligns with your goals
Invest Regularly
Begin by investing a fixed amount monthly to build a financial foundation
Receive Regular Payouts
Enjoy monthly payouts
over years, while wealth is getting created.
Choose Maturity Option
Get the maturity amount as a lump sum
or receive monthly payouts.
Systematic In, Systematic Out
Invest a fixed amount monthly and earn steady monthly payouts.
“Wide range of
investment plans available”
How the plan works?
For example, Mr. Amit, 30, invests ₹5,000/month for 5 years (total ₹3L). His premiums which are invested in BALIC funds continue to grow. At 40, he can either withdraw a lump sum or opt for ₹15,529/month till age 45 — totaling ₹9.3L.
30 Years
35 Years
40 Years
45 Years
You Pay
₹5,000/month
Total Premium : ₹ 3L
You can withdraw
₹15,529/month
Total withdrawn : ₹ 9.31L
Your investment keeps growing
Show full break up of payments & Benefits
My Role
UI/UX Designer — (End-to-end ownership of layout, information structure, visual hierarchy, and responsive design)
Platforms
Web & Mobile (Responsive)
Project Type
Real product – customer-facing landing experience
Timeline & Status
2 Months
Project Overview
SISO Corner is a digital experience designed to simplify a complex insurance + investment product offered by Bajaj Allianz Life Insurance. The product blends long-term wealth creation with life insurance benefits—often difficult for users to understand and compare with traditional mutual funds.
This project focused on designing a clear, confidence-building landing experience across web and mobile, helping users make informed decisions without feeling overwhelmed.
HIGHLIGHTS
Designing financial products isn’t just about explaining numbers,
it’s about designing confidence.
Context & Problem Space
Insurance-linked investment products are inherently complex. Users often struggle with:
Insurance-linked investment products are inherently complex. Users often struggle with:
Heavy financial terminology
Hardware access nuances. The controller had to be
put into a rare "boot menu" mode.
Clunky by design. Hardware security access wasn't
intended to be user-facing.
Limited to a static website. No way to dynamically
verify controller input during update process.
In the existing ecosystem,
most users:
Heavy financial terminology
Hardware access nuances. The controller had to be
put into a rare "boot menu" mode.
Clunky by design. Hardware security access wasn't
intended to be user-facing.
Limited to a static website. No way to dynamically
verify controller input during update process.
THE CHALLENGE
The challenge was not just explaining the product, but reducing anxiety around financial decision-making.
How might we simplify a complex financial product into an experience that feels clear, trustworthy, and easy to navigate—without oversimplifying critical information?
Explaining long-term financial concepts to non-expert users
Clear, informative, and straight-forward instructions.
Proactive Feedback
Anticipate and communicate progress and errors.
Product Excellence
Overdeliver with design.
2.0
Project process within timeline.
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