Unit Linked Insurance Plans (ULIPs) are a popular investment tool in India, combining insurance with investment in equity, debt, or hybrid funds. To further enhance the benefits, many policyholders opt for top-up premiums in ULIPs, which allow additional contributions beyond the regular premiums. These ULIP extra contributions can help boost the policy's value over time. In this article, we will explore what ULIP top-up premiums are, their advantages, limitations, and how to make the most of them to maximise returns.