In FY26, sales of Pension Unit Linked Insurance Plans (ULIPs) in India experienced a remarkable tenfold increase compared to the previous year, according to data from Policybazaar. This surge is primarily driven by investors aged over 45, who account for 40% of ULIP purchases. Millennials are also becoming increasingly involved, with those aged 26-35 representing half of all Guaranteed Return Plan (GRP) purchases, indicating a shift towards guaranteed returns and disciplined savings. The data reveals that investments in Pension ULIPs can start from as low as ₹5,000, making these products accessible to various income levels. Additionally, the trend of preferring monthly contributions over annual payments suggests a growing inclination towards systematic investing. However, the participation of women remains low, with only 10% of investors being female, underscoring the need for greater financial inclusion. Overall, retirement planning in India is evolving into a mainstream financial priority, as more individuals recognize the importance of combining wealth creation with protection.