What is the IndiaFirst Life Wealth Wise Plan?

IndiaFirst Life
• 26 Jun, 2025

IndiaFirst Life Wealth Wise Plan for NRIs

When it comes to securing your financial future, finding the right balance between investment and protection is key. This is especially important for Non-Resident Indians (NRIs), who may have their eyes set on global investment options. NRIs seeking such opportunities can consider the IndiaFirst Life Wealth Wise Plan. It is a life insurance product that combines the security of a life insurance policy with the opportunity to grow your wealth through global investments.

Key Features of the IndiaFirst Life Wealth Wise Plan

The IndiaFirst Life Wealth Wise Plan is a non-participating, unit-linked whole life insurance policy. It allows you to invest in international funds while enjoying life cover. Here are its standout features:

Whole Life Coverage

The policy offers coverage up to the age of 99 years, which means your family is protected for the long term.
Death and Maturity Benefits

In case of the policyholder's death, the nominee receives either 100% (if the life assured passes away after 60 years of age) or 105% (if the life assured passes away at or before 60 years of age) of the fund value. In terms of maturity benefits, the entire fund value, including loyalty additions and returns, is paid out at the end of the policy term.
Dollar-Denominated Product

Under this life insurance plan, you can make investments in US dollars and earn in US dollars too. This enables you to benefit from currency stability and international exposure.
International Fund Access

Under the IndiaFirst Life Wealth Wise Plan, you can invest in six global market-linked funds, including Global India Equity Fund, Global Equity Fund, Global Equity Growth Fund, Global Gold Fund, Global Balanced Fund, and Global Fixed Income Fund.
Benefit of Loyalty Additions

Loyalty additions are credited to your fund every year starting from the end of the third year of the life insurance policy. This helps build your corpus steadily over time.
Return of Mortality Charges

Every five years until the age of 60, the plan returns the mortality charges, which adds more value to your investment.
Flexible Premium Payment

You can choose to pay premiums for the life insurance policy in portions, with a minimum of USD 500 per payment. However, you must pay a minimum total of USD 2,000 when the policy starts.
Worldwide Coverage

The life insurance policy remains in force even if you move to another country. NRIs who move between countries could find this plan a convenient option.

Having the right investment strategy can help you make the most of this dollar-denominated product.

Build Your Wealth with the IndiaFirst Life Wealth Wise Plan

Here are two strategic approaches you can take to manage your investment:

Self-Managed Strategy

This strategy allows you to take complete control of your investment plan.

You can:
- Choose from six international funds.
- Allocate funds based on your market knowledge and personal preferences.
- Switch between funds as per your financial goals or market conditions.
This is ideal for investors who have expertise in the market and want to be active in managing their portfolios.
Automatic Trigger-Based Investment Strategy (ATBIS)

This strategy is designed for those who may not be active in the market but still want market-linked returns with controlled risk. Initially, your investments are placed in equity funds. When the return crosses a 10% threshold, the gains are automatically shifted to the Global Fixed Income Fund. This method helps you have a balanced growth even amidst market fluctuations.

Why Choose IndiaFirst Life for Your NRI Investment Plan

Choosing the right insurer is just as important as choosing the right product. Here’s why IndiaFirst Life can be the right choice:

Registered with GIFT City

IndiaFirst Life is the first life insurer in India to receive IFSC (International Financial Services Centre) registration in GIFT City. By investing in the IndiaFirst Life Wealth Wise Plan, NRIs get easy access to global investment opportunities.
Reputed Promoters

IndiaFirst Life is backed by Bank of Baroda and Union Bank of India, two of India's largest public sector banks. This provides a sense of assurance to investors.
Suitable for Various Needs <H3>

IndiaFirst Life provides solutions for both individuals and groups. Whether you are looking for protection or investment, for an individual or a group, there is a life insurance policy for every need.
Online Access and Service

When you invest in the IndiaFirst Life Wealth Wise Plan, you get access to customer support via email, phone, and our website. In addition, you also get guidance from relationship managers who have NRIs’ needs in mind.

The IndiaFirst Life Wealth Wise Plan is a well-designed, market-linked life insurance policy. It combines global investment opportunities with the protective benefits of a life insurance policy. It is designed with the global Indian in mind, one who wants to secure their family’s future and, at the same time, enjoy the investment opportunities that the world and India have to offer. If you are planning for the future, this is one investment plan worth considering. Use the life insurance calculator to curate the plan as per your needs and build a secure financial future with IndiaFirst Life.

by IndiaFirst Life
Headquartered in Mumbai, IndiaFirst Life Insurance Company Limited (IndiaFirst Life), with a paid-up share capital of INR 754.37 crore, is one of the fastest growing private life insurers in India in terms of New Business IRP in Fiscal 2023. Our key differentiators are our simple, easy-to-understand products that are optimally priced. As of Sept 30, 2023, we offered 30 retail products, 13 group products along with six riders (across retail and group portfolios), along with policies under the PMJJBY scheme, catering to protection, savings, health and retirement needs of our customers, leveraging multiple distribution capabilities and augmenting various investment options. In all propositions under the categories of Participating Plans, Non-Participating Savings Plans, Non-Participating Protection Plans, Unit Linked Insurance Plans, Group Protection Plans, Corporate Funds Plans, Riders & PMJJBY form a complete suite of offerings that help our customers prepare for the certainties of life. Our products are easy to understand and optimally priced with a developed comprehensive risk management framework/policy.