• 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!


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Get ₹ 1 Crore Life Cover @ ₹ 17 Per Day2

Term insurance riders - know all about them

Pay Lower Premiums On Purchasing Term Plan Online3

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WS_LIGuideHome_Banner_EN 307 38983691 WS_LIGuideHome_Banner_HI 307 38983695
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3Online Discount is available for regular premium payment and limited premium payment frequency (UIN: 116N174V01).

2Above illustration is considering Male aged 25 years | Non-Smoker | Policy term (PT)– 30 years |Premium Payment Term (PPT) – 30 years | Sum Assured opted is ₹ 1,00,00,000 | Standard Life | Online Channel | medical rates | Standard Life | Annual Premium Payment Mode | Premium shown above is exclusive of Goods & Service Tax/any other applicable tax levied, subject to changes in tax laws, and any extra premium and is for illustrative purpose only.

Term Insurance Riders - Why They Matter

By : Bajaj Allianz Life

The Oxford English Dictionary defines a rider as 'A condition or proviso added to something already agreed'. When added to your life insurance policy, riders can be an effective and powerful addition that help cover you against additional life situations which might occur, and are not covered under your regular insurance policy. By adding riders, you get additional coverage against myriad situations which would hamper the ability to work, such as a critical illness or disability.

Here is a list of riders that can be selected with your term term life insurance policy, based on your needs.

Riders available with Term Insurance Policies
Waiver of Premium Benefit Rider

With this additional rider, all future premiums payable under your life insurance policy are waived if the policyholder can no longer pay premiums due to contingent events covered like death, critical illness or permanent total disability arising out of an accident. This ensures that the life goals of your loved ones can continue to be met even if you are not in a situation to earn money.

Family Income Benefit Rider

Under this rider, your family receives 1% of the rider sum assured every month if the life assured passes away or meets with accidental permanent total disability or is first diagnosed with any of the specified 11 critical illnesses. This means a regular monthly income for your family so that they can continue to have a worry-free life and keep their life goals on track.

Accidental Death Benefit Rider

If the policyholder loses his/her life in an accident, an additional sum which is assured under the rider is paid out over and above the base policy sum assured. This means that your loved ones will be free to pursue their life goals without the lack of finances holding them back.

Critical Illness Benefit Rider

This rider pays out a lump sum amount if any of the listed critical illnesses under the rider are detected. With this rider, you can get the health care you need without worrying about the expenses, while also ensuring your loved ones continue to have their life goals met.

Accidental Permanent Total/Partial Disability Benefit Rider

Adding this rider to the base policy protects you in case you suffer total or partial disability due to an accident. In such a case you will get financial aid immediately which helps you take care of your and your family's expenses.

Adding riders to the base term insurance policy protects you and your family from financial stress in against a range of uncertain events. A wide range of scenarios get covered under each rider and each of them serves a particular purpose. By choosing the riders which are most relevant to your needs, you can be sure of a secure future for you and your loved ones. The additional sum which the rider assures is in addition to the sum assured of the base policy, and the combined payout can ensure that your loved ones will be able to meet their life goals in a timely manner.

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Contact Us

Bajaj Allianz Life Insurance Company Ltd.

Bajaj Allianz House, Airport Road, Yerawada, Pune - 411 006, Maharashtra

Tel No: 020-66026773

Fax No: 020-66026789

Branch Visit Timings:

Monday to Friday - 9:00 AM to 3:30 PM

Saturday - 9:00 AM to 1:00 PM

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Monday to Sunday: 9:00 AM to 7:00 PM (IST)

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~Tax benefits as per prevailing Income tax laws shall apply. Please check with your tax consultant for eligibility.

The above information is for general understanding and is meant to educate the general public at large. The reader will have to verify the facts, law and content with the prevailing tax statutes and seek appropriate professional advice before acting on the basis of the above information.