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now lets try to understand about this unit linked to contracts typically in the insurance policies we keep hearing the word unit linked policies wherein they might be associated either as a whole life policy or they might be associated as an endowment assurance kind of a policy so if it is for a whole life the death benefit is paid at at the time of death endowment is endowment assurance typically contains a death benefit as well as a maturity benefit but when I am talking about a unit linked to contract the benefit is directly linked to the investment and the value of the investment so its not it need not be a guaranteed value right the whole the whole benefit that a person is going to get either on death are on maturity is very much linked with the investment value of the of the contract so what generally happens is every every time you pay a premium every time a premium is paid a portion of the premium this is where we try to split the portion of the premium as allocated premium