• Get Life Cover worth Rs.1 Crore at Rs.17 per day2 – Bajaj Allianz Life Smart Protection Goal

  • Apne life goals ki guaranteed1 hona Ye Bhi Sahi Hai

  • Fulfill your Life Goals with Bajaj Allianz Life Goal Assure

  • Here's a Comprehensive Tool To Plan Your Child's Future

  • There is lot to remember in Life, Set renewal premium payments to Auto Pay

  • Get your Life Goals Done with Bajaj Allianz Life Smart Assist – BINA MILEY MIL-KAR

  • Paying your Renewal Premium is Quick and Easy!

  • Know the right amount of Insurance you need in just a few steps!

  • Avail Term Insurance Tax Benefits under Section 80D

  • Know how to invest money during the covid-19 pandemic!


Thanks for showing your interest. A representative from
Bajaj Allianz Life will contact you shortly.

Dear Customer, we request you to connect with us in our next business working hours, (Monday to Saturday 24*6) Thank you, Have a great day ahead


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


Please refer to BALIC Privacy Policy

The 10-5-3 Rule*

The 10-5-3 Rule*

The 10-5-3 Rule*

By : Bajaj Allianz Life

Another basic mantra on financial planning is the 10-5-3 rule. This rule simply tells you how different asset classes give you different kind of returns. As an investor, you should diversify your money into all of these asset classes to generate expected returns.

The different asset classes and returns which can be expected from them as per this rule are -

  • Long term Equity options– Returns expected can be in the range of 10%#
  • Debt options– Returns expected can be in the range of 5%#
  • Savings account – Returns expected can be in the range of 3%#

Equity may give you higher return, but it is riskier as compared to other options, while debt investments will be comparatively safer, with moderate returns. Savings account means liquidity to meet any emergency needs.

Diversification is thus the key to financial planning.

#The assumed rate of return indicated above is for illustrative purpose and not guaranteed

*The rules stated above are not to be construed as investment advice and readers are suggested to seek independent financial advice before making any investment decisions.