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I hereby authorize Bajaj Allianz Life Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) or on National Do Not Call Registry (NDNC), any call made, SMS or WhatsApp sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business

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#The output generated through calculator are on the basis of the data inputted by you and is being provided to you solely for your reference purpose and not to be construed as investment advice. Please seek independent advice from your insurance consultant before making any investment decisions. While proper caution has been taken in designing this calculator, Bajaj Allianz Life Insurance Co. Ltd. assumes no liability for the accuracy of the information and data provided in this tool.

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Hurry! Limited Period Opportunity. New Fund @₹10 NAV** Closes In -

Bajaj Allianz Life Pure Stock Pension Fund II Bajaj Allianz Life Pure Stock Pension Fund II
New Fund Offer @ ₹10NAV**
Investment Calculator#

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Why Bajaj Allianz Life Insurance ?

Bajaj Allianz Life, one of India's leading Private Life Insurers, is committed to offering value-packed and innovative products to help you achieve your Life Goals.

99.29%

Claim Settlement Ratio~

Claim Settlement Ratio
1 Day

Get 1 Day Claim Approval%

One Day Claim Approval
AAA

Stable Rating by CARE$$

CARE Stable Rating
₹1,31,052 Cr

Assets Under Management (AUM)***

Assets Under Management (AUM)
3.58 Cr

Number of Lives Covered##

Number of Lives Covered
359%

Solvency Ratio of 359%^^^

Solvency Ratio
Claim Settlement Ratio 2024-25

Disclaimer:~Individual Death Claim Settlement Ratio for FY 2024-2025 | %99.29% of non-investigative individual claims approved in one working day for FY 2024-25. 1 day is counted from date of intimation of claim before 3 PM on a working day (excluding Non-NAV days for ULIP) at Bajaj Allianz Life offices. 96% of non - investigative claims notified were processed within one day in FY’25 | $$For details refer to press release published by CARE | ***All figures as on 30 June, 2025 | ^^^Solvency ratio 359% as at 31 March 2025 against IRDAI mandated 150% | ##Individual and group, as on 30 June, 2025.

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Customer Speaks

Helpful, Best Policy
The reason to choose Bajaj Allianz life insurance is because of the claim settlement ratio and the easy after sales support which Bajaj Allianz life insurance provides. The process is speedy and the customer support provides 360 information on term insurance policy. All the term insurance variants were well explained by the Bajaj team with or without accidental death benefit and critical illness benefit.
Ankurjit Singh
5
Seamless experience
I am a happy customer who is satisfied with the after sales service. I have full trust in Bajaj Allianz Life Insurance Company.
Rahul Kumar
4.5
Flexible
I was looking for a ULIP investment product which will help me generate funds for higher education for my three-year old daughter. After thorough research I found Bajaj Allianz Life Goal Assure to be flexible with many unique features like four portfolio strategies and Return of Mortality Charges. I am confident that with the backing of Bajaj Allianz Life experienced fund management, my investment will enable me to provide the best possible education to my daughter.
Nandini Dhar
4.5
Great Experience
Had a great experience getting my life insurance policy issued online. The entire process was seamless, and the team kept me informed at every step. Truly appreciate the timely updates and smooth coordination.
Rajesh Kumar Dahayat
5
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Frequently Asked Questions

  • Unit-Linked Insurance Plans

1. What are the key features of ULIPs?

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ULIP is a life insurance product, that also comes with an option of market linked investment. ULIPs help you secure the financial future of your loved ones through the insurance component and at the same time generate long-term wealth for your financial goals. The key features[12] of unit-linked insurance plans (ULIPs) are:

  • ULIP has a lock-in period of 5 years within which you can’t withdraw funds.
  • Post the lock-in period, partial withdrawals are allowed in emergencies or financial requirements and subject to terms and conditions of the policy.
  • You can pay premiums in an annual, half-yearly, quarterly, or monthly schedule as per your affordability.
  • If you feel your portfolio is underperforming, you can reallocate your money from one fund to another.

2. What are the different types of funds under ULIPs?

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Unit Linked Insurance Plan allow you to secure the future of your dependants with a life insurance and meet your financial goals through a market linked investment option. When investing in a ULIP, you will be able to choose from the below fund options available[13]:

  • Debt Funds : Invests majorly in debt funds, government securities, bonds, and money market instruments.
  • Equity Funds : Invests mostly in equities and company stocks.
  • Balanced Funds : Invests in a mix of debts and equities.

3. How does a ULIP differ from traditional plans?

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A ULIP differs from traditional plans in terms of its market-linked features. Unlike traditional plans, ULIPs[14] invest a portion of premiums paid in market-linked funds to earn returns, with no fixed maturity benefit, have a 5-year lock-in period, allow fund switches, and enable policyholders to track their portfolio.

4. What is the difference between Sum Assured and Maturity Benefit in a ULIP?

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A sum assured in ULIP[15] is the life cover or the minimum assured amount payable upon the death of the life assured . The maturity benefit refers to the total return earned on maturity through the investment component of the policy.

5. What returns can I expect from a ULIP?

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The returns from a ULIP[13] are based on the mix of the portfolio chosen by the policyholder. Equities, or high-risk assets, may earn high returns over the long term, while debt funds or other less risky assets can fetch lower returns.

6. Are ULIPs tax-free?

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The maturity and death benefits are tax-free in ULIP[13] under section 10(10D) of the Income Tax Act, 1961 (subject to satisfaction of conditions mentioned therein). Additionally, annual premium payment is also subject to deductions under section 80C (in case of old tax regime).

7. How do I choose my preferred ULIP?

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To choose your preferred ULIP, you may focus on the following steps:

  • Identify the investment goals.
  • Choose the right amount of life insurance coverage
  • Carefully check the fund options and pick the ones that align with your investment objectives and risk appetite.
  • Research and review how your previous funds have performed in the past** of the ULIP plans
  • Understand and compare the charges associated.

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Disclaimers:
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BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS / FRAUDULENT OFFERS
IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

Risk Factors and Warning Statements: Bajaj Allianz Life Insurance Co. Ltd. Regd. Office Address: Bajaj Allianz House, Airport Road, Yerawada, Pune - 411006, IRDAI Reg. No.: 116, CIN : U66010PN2001PLC015959, Call us on toll free No.: 1800 209 7272, Mail us : customercare@bajajallianz.co.in. The Logo of Bajaj Allianz Life Insurance Co. Ltd. is provided on the basis of license given by Bajaj Finserv Ltd. to use its “Bajaj” Logo and Allianz SE to use its “Allianz” logo. For more details on risk factors, terms and conditions please read sales brochure & policy document (available on www.bajajallianzlife.com) carefully before concluding a sale. All charges/ taxes, as applicable, will be borne by the Policyholder.

The Unit Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender or withdraw the monies invested in Unit Linked Insurance Products completely or partially till the end of the fifth year.

ULIPs are different from the traditional insurance products and are subject to the risk factors. The premium paid in ULIPs are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the perf-ormance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. Bajaj Allianz Life Insurance Company Limited is only the name of the Life Insurance Company and Bajaj Allianz Life Smart Pension- A Unit -Linked, Non-Participating Individual Pension Plan (UIN- 116L209V02) is only the name of the unit linked insurance contracts and does not in any way indicate the quality of the contract, its future prospects or returns. Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document issued by the insurance company. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns.

Pure Stock Pension Fund II is available only with Bajaj Allianz Life Smart Pension- A Unit -Linked, Non-Participating Individual Pension Plan (UIN116L209V02)

In addition to other funds, Pure Stock Pension Fund II is now available with Bajaj Allianz Life Smart Pension. Customer has an option to choose from other available funds apart from Pure Stock Pension Fund II.

Death Benefit shall be the Fund Value, subject to a minimum of the 105% of Total Premiums Paid, as on the date of death

**Not available if policy issued after 28th August 2025| Past returns of a fund are not necessarily indicative of the future perf-ormance of the fund. | Please consult the financial advisor before

BJAZ-OT-EC-16546/25

© Bajaj Allianz Life Insurance Co. Ltd. All Rights Reserved. | IRDAI Reg. No. 116 | An ISO 9001:2015 and ISO 27001:2013 Certified IT Department

CIN: U66010PN2001PLC015959 | Registered Office Address: Bajaj Allianz House, Airport Road, Yerawada, Pune-411006, Maharashtra

Email: customercare@bajajallianz.co.in | Tollfree: 1800 209 7272,

Disclaimer: Images used on this website and the models photographed in them are for representative purposes only and are not indicative of anyone's personal thoughts or ideas.

The Logo of Bajaj Allianz Life Insurance Co. Ltd. is provided on the basis of license given by Bajaj Finserv Ltd. to use its “Bajaj” Logo and Allianz SE to use its “Allianz” logo.

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Claim Settlement Ratio of 99.29%~