Despite the sustained fall in stock markets, financial planners are advising retail investors to continue investing in equities in a staggered manner through the systematic investment plan (SIP) route. And taking a cue from that, some Ulip holders have taken to paying premiums every month instead of the usual annual mode, say insurers. "Some smart Ulip holders are switching to the monthly premium payment mode to make their Ulip investments work like a mutual fund SIP," said Anuj Mathur, MD, C ..