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Bajaj Allianz Life Investment Plans

Investment plans help you to make prudent investments decisions for wealth creation to enable you to meet your life goals.

Our range of investment plans
  • Online Plans
  • Offline Plans
  • Bajaj Allianz Invest Assure

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    A steady strong ship is a smart way to manoeuvre through choppy seas. Similarly, a viable financial plan will help you sail through the various turns of life. A life insurance policy with a significant life cover is designed to help you manage the surprises of life, celebrate milestones and help in your family’s life goals. 

    • Choice of two variants: Silver or Gold
    • Limited premium payment option
    • Rebate on high sum assured
    • Option to take policy benefit in instalments 
  • Bajaj Allianz Fortune Gain

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    Every year, salaried individuals face the dilemma of how to best utilise the bonus they receive from their company. Newly married couples seek options to benefit from the monetary ‘gifts’ received during their marriage. Or, you catch yourself wondering about the best way to enter equity markets with the additional investable funds you may have.  In such cases an individual looks at a one-time investing option.  

    • Up to 99.5% fund allocation#
    • Choice of seven funds with unlimited free switches
    • Loyalty additions
    • Systematic switching option

    # depending on the Single Premium chosen

  • Bajaj Allianz Elite Assure

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    Sometimes attaining a perfect balance may seem near impossible. However, when it comes to protecting your loved ones along with having a strong investment proposition, Bajaj Allianz Life Insurance has got the balance just right. It brings to you a non-linked endowment insurance plan that offers these benefits in a single product, making it a thorough proposition for you.

    • Attractive return on investment and life cover
    • Guaranteed loyalty additions
    • Multiple rider benefits
    • Option of regular or limited payment terms
  • Bajaj Allianz Life My Wealth Goal

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    We are usually working concurrently for many life goals, sometimes in planned manner and many a times with not much planning. From preparing a corpus for your child’s education to planning the dream holiday or building a retirement corpus, each life goal has a different approach, and many a times a single approach or an investment plan may not be sufficient. Each of these life goals have a differentiated term and hence the approach to meet them may differ too. Could a single life insurance policy help you deliver on this? And save you the trouble of managing multiple policies?

    Bajaj Allianz Life My Wealth Goal, can. It is an insurance cum investment plan that combines the features of two Bajaj Allianz Life plans – Bajaj Allianz Life Future Wealth Gain, a ULIP plan and Bajaj Allianz Lifelong Assure, a Non-Linked whole-life traditional plan – to ensure that you are able to build a healthy corpus and also receive a lifelong regular income. Thereby enabling you to not only have multiple life goals, but providing you a simpler more efficient way of achieving them. 

    • Benefits of two products in one policy
    • Potential for High Returns
    • Life Long Cover
    • Life Long Income
    • Multiple portfolio strategies/fund options
  • Bajaj Allianz Invest Assure

    View more

    A steady strong ship is a smart way to manoeuvre through choppy seas. Similarly, a viable financial plan will help you sail through the various turns of life. A life insurance policy with a significant life cover is designed to help you manage the surprises of life, celebrate milestones and help in your family’s life goals. 

    • Choice of two variants: Silver or Gold
    • Limited premium payment option
    • Rebate on high sum assured
    • Option to take policy benefit in instalments 
  • Bajaj Allianz Elite Assure

    View more

    Sometimes attaining a perfect balance may seem near impossible. However, when it comes to protecting your loved ones along with having a strong investment proposition, Bajaj Allianz Life Insurance has got the balance just right. It brings to you a non-linked endowment insurance plan that offers these benefits in a single product, making it a thorough proposition for you.

    • Attractive return on investment and life cover
    • Guaranteed loyalty additions
    • Multiple rider benefits
    • Option of regular or limited payment terms

Investment is a crucial aspect of creating a corpus to help you achieve your life goals. Investment plans allow you to invest in a disciplined manner in different investment vehicles, including equity, debt or a combination of both, to help you to meet your long-term financial goals.

You can choose from an array of investment plans based on your unique requirements. Your age, risk appetite, life goals and the time frame in which you want to achieve your financial goals, are some of the factors to consider before deciding on the right investment plan for you and your family.

With inflation the costs of everything increases steadily, and your current savings may not be enough to help meet your life goals at later life stage. Hence, it is necessary that you make smart investment choices to ensure that your money continues to work for you to maximize the returns. And Investment plans help you to do exactly this!

Smart financial planning is key to achieving your life goals. Investment plans allow you to make disciplined investment over a period of time, which helps in wealth creation and enable you to get your life goals done.

Investment plans bring in a disciplined approach to one’s financial planning and usually generate higher returns over the long term. Under Investment plans, one can choose between an array of products ranging from a market linked plan to a traditional plan to a combo plan which addresses multiple needs with a single product, allowing you to leverage benefits of various investment vehicles.

Through investment plans you can leverage the high returns usually generated by Unit Linked Insurance Plan (ULIPs) over the long term. You can also keep a closer eye on the performance of the funds chosen by you and accordingly take informed decisions. Depending on your risk appetite you can opt for an equity fund, debt fund or a combination of the two.

On the other hand, traditional plans offer you bonuses, loyalty additions and more, which enhance your overall savings. Further you also gain from tax benefits. Life Insurance premiums are eligible for tax benefit under Section 80C and Maturity benefit and Death benefit are eligible for tax benefit under Section 10(10D) of the Income Tax Act 1961, subject to provisions stated therein.     

By investing in an investment plan, you ensure that your corpus grows at a higher pace negating the impact of inflation. 

Tips to choose the right type of Investment Plan

Investment plans as a category of insurance products has an array of options. You need to wisely choose a plan that fulfills the purpose for which you are purchasing that plan. Here are a few pointers to help you choose the right type of investment plan

Know your goals: Choose an investment plan based on your life goal and the time by which you want to achieve the same.

Know your risk appetite: Investment plans can be market linked plans, such as Unit Linked Insurance Plans (ULIPs), which invest in equity, debt or combination of both. To ascertain risk appetite, you need to consider your age, gender and life situation. The investment has to be in sync with your risk appetite. Use our ULIP Calculator to know more.

Know your insurance need: Every investment plan offers a life cover, use this feature judiciously to fill any gaps in your life cover. If you think you are not sufficiently covered, buy a plan with a higher life cover.

Know the insurer: Before investing in any plan, do check the credentials of the insurer. Also see if the insurer has a bouquet of innovative products which suit your investment and insurance needs. 

With a track record of performance spanning over two decades, Bajaj Allianz Life is one of the most trusted names in the insurance industry in India. Over the years, it has developed an expertise in managing investors’ fund effectively and consistently generating good returns in different market cycles.

Bajaj Allianz Life offers a range of innovative investment plans that cater to your specific needs with different risk appetite, expectations and life goals. Bajaj Allianz Life investment plans allow you to invest for multiple goals at the same time. Bajaj Allianz Life My Wealth Goal is a case in point. It provides protection, a regular income and growth potential for your investment, so you can fulfil your future goals.

Be it an investment plan with assured returns or a Unit-linked single endowment plan or a plan that covers you till your 100th birthday, Bajaj Allianz Life has an investment plan to take you closer to your life goals. 

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What is an ideal policy term for an investment plan?

Investment plans are meant for long-term goals. So, you can opt for policy term in keeping with the nature of your life goal and the time period in which you want to achieve them. 

Do investment plans have the same tax benefits that a savings endowment plan has?

Yes, an investment plan provides tax benefits similar to that of an endowment plan. Premiums are eligible for tax benefits under Section 80C and maturity and death benefits are eligible for tax benefit under Section 10(10)D of the Income Tax Act 1961, subject to the provisions stated therein.

Can we buy investment plans in the name of our child?

Yes, many investment plans, such as Bajaj Allianz Invest Assure, have a minimum age of entry at 0 years, which means you can buy them even in the name of your child.

Is there a lock-in period in investment plans? Can I make partial withdrawal in case of an emergency?

There is a lock-in period of 5 years for all ULIPs. Some plans, such as Bajaj Allianz Fortune Gain, offer partial withdrawal options. It is best to check if your plan is offering this option before buying.

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