Unit Linked Insurance Plans (ULIPs) provide a unique combination of investment and insurance, making them an attractive option for long-term financial planning. However, ULIP investments are subject to market fluctuations, which can impact returns significantly. Understanding market cycles and implementing strategic investment approaches can help investors manage risks and optimise gains. Market cycle strategies for ULIP investors ensure that they make informed decisions during economic highs and lows. By adopting well-structured strategies, investors can safeguard their wealth and make the most of ULIPs and market cycles. This guide explores various aspects of ULIP investment during market fluctuations, including risk management, portfolio structuring, and long-term strategies.