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NRI Investment Plans

India has attracted foreign direct investment (FDI) significantly in the past few years, driven by its industrial advancement and robust economic growth1.  Non-Resident Indians (NRIs) are exploring NRI investment options in India as a strategic way to diversify their global portfolios2.Read More

NRI investment plans provide NRIs with a range of opportunities from high-return equities and real estate to low-risk fixed deposits and government bonds. This diversification not only aims to benefit from investment returns but also offers investment avenues for financial growth and stability in a rapidly evolving market..Read Less

 

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  • PAN Card/ Form 60
Age proof (Any one)
  • Passport
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Disclaimer

*Above illustration is for Bajaj Allianz Life eTouch- A Non-Linked, Non-Participating, Individual Life Insurance Term Plan(UIN:116N172V04) considering Male aged 22 years | Non-Smoker | Policy Term (PT)– 30 years | Premium Payment Term(PPT)– 30 years | Sum Assured opted is Rs. 5,00,00,000 | Online Channel | Standard Life | 1st Year Premium is Rs. 18,038. 2nd Year onwards premium Rs. 19,257. Total Premium Paid is Rs. 5,76,491 | Medical Rates | Yearly Premium Payment Mode | Death benefit opted is lumpsum payout and monthly instalments (Lumpsum Payout Percentage: 45, Income Payout Percentage: 55) | Premium shown above is inclusive of Online Discount only and 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.For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale. For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale.

**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.

##Tax benefits as per prevailing Section 10(10D) and Section 80C of the Income Tax Act shall apply. You are requested to consult your tax consultant and obtain independent advice for eligibility before claiming any benefit under the policy.Above Tax benefit is calculated considering deduction of Rs. 150,000 and applicable tax rate of 31.20%.

@Term Insurance plan bought online directly from Bajaj Allianz Life Insurance has no commissions involved.

^^Get Free Benefits up to ₹ 14,000 per year

S No.

Value Added Service

Frequency

Cost (₹)

1

Doctor Teleconsultations

Consultation per month
= 24 consultations per year

Average cost per session = ₹500
Total cost per year = ₹500 * 2 * 12 = ₹1200

2

Network Discounts
Medicines (M) - 10%, Lab Booking (L) - 10%,
In-Patient Hospitalization (P)- 5%,
Out-Patient Consultation (O) - 10%

Throughout the year

 

Assumption - Total
Expenses of these
throughout the Year

Total Discounts that
can be availed
throughout the year

M - ₹5,000

₹500

L - ₹5,000

₹500

O - ₹5,000

₹500

P - ₹10,000

₹500

 

Total per year as per assumptions

₹ 14,000

Note: The above mentioned costs are based on estimated average market price for respective services.

Bajaj Allianz Life Insurance Co. Ltd. | IRDAI Reg. No. 116

Get Your Life Goals, Done!

Tailored Life Insurance Solutions for your long-term Life Goals.

Written ByShruti Gujarathi
AboutShruti Gujarathi
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Shruti Gujarathi has 5 years of experience in the BFSI sector, and as Manager- Digital Marketing at Bajaj Allianz Life Insurance, manages digital and content marketing. She has had hands-on experience in content strategy, performance marketing and Strategic Alliances over a career spanning 10 years.
Reviewed ByRosy Pathak
AboutRosy Pathak
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Rosy Pathak, AVP- Product and Brand Marketing at Bajaj Allianz Life Insurance carries over 17 years of experience in Marketing and a demonstrated history of working in the insurance industry. She is skilled in Product Management, Planning and Strategy, Project Management, Marketing and Communication.

NRI Investment Plans

NRI Investment Plans provide a robust way for Non-Resident Indians (NRIs) to secure their financial future by investing strategically and in diverse investments in India. NRI investment plans allow NRIs to take advantage of their home country’s dynamic economy and high interest rates. There are different types of investment plans that NRIs can explore to grow their wealth, diversify their investment portfolio, and generate passive income. These investment plans help NRIs to meet their varied financial goals, from ensuring family security to their family to building a retirement corpus, all while enjoying significant tax benefits and compliance with the relevant investment regulations.

NRI Investment Plans in India

(This section can be divided into - NRI investment options for higher returns, NRI investment options with low risks, and NRI investment options for HNIs in India)

NRI can invest in a wide range of assets in India, including fixed-income investments, equities, mutual funds, real estate, fixed deposits (FDs), alternative investment funds (AIFs), gold investments, and government-backed securities. They can diversify their portfolio to align it with their financial objectives and risk appetite.

Some of the options for NRIs are as follows -

  1. NRI investment options 

a)  Direct Equity 

NRIs invest in the Indian stock market directly for higher returns associated with risk, over the long term. NRI investors can purchase the shares of a company listed on the National Stock Exchange, Bombay Stock Exchange or both.

b)  Mutual Funds 

NRIs can also invest in mutual fund options, which extend to equity, debt, or hybrid fund investments and are managed by professional asset managers. Investment in mutual funds for NRIs can be more convenient and profitable over the long term.

c)  Real Estate 

NRIs can also invest in commercial and residential real estate properties in India and get higher returns in the long term. Investment in real estate is considered one of the best investment options for NRIs.

d)  National Pension Scheme 

The NPS is a long-term retirement savings scheme which allows individuals to contribute regularly towards their retirement savings while they are employed.  It is regulated by the Pension Fund Regulatory and Development Authority (PFRDA) and is one of the best investment options for NRIs planning their retirement in India.

  1. NRI investment options with low risks 

a)  Savings/ Endowment Insurance Plans 

NRIs looking for investment options in India with low risk can consider investing in savings or endowment insurance policies, which offer the dual benefits of life insurance coverage for the entire tenure of the policy and a savings element. The plans provide a death benefit if the life assured passes away during the policy tenure. This helps the family meet the financial loss suffered and meet its financial goals. On the other hand, if the life assured survives the policy tenure, a maturity benefit is paid. This benefit creates a savings corpus that allows policyholders to plan for their financial goals.

Endowment assurance plans can also be offered as child plans or pension plans, which help you plan for specific goals.

b)  Money-back Insurance Plans 

Money-back insurance plans are like endowment plans but with a difference. Under these plans, the sum assured is usually paid in the form of installments at specified intervals during the policy tenure. This payment is called the money back benefit and it creates liquidity under the policy. The death benefit remains undisturbed and is paid in full irrespective of the money back benefits paid under the plan. On maturity, the remaining sum assured is paid.

Money back plans might be offered as participating plans which earn bonus. The bonus additions help in enhancing the benefits of the policy and creates a good corpus for your financial goals.

c)  Fixed Deposit 

NRIs can also park their funds in fixed deposits to earn from interest. Fixed Deposit is an ideal for conservative investors. NRIs can choose to invest in NRO Fixed Deposit accounts, NRE Fixed Deposit accounts or Foreign Currency Non-Resident (FCNR) Fixed Deposit.

d)  Public Provident Fund (PPF) 

PPF is a long-term savings scheme backed by the Indian government that offers fixed, guaranteed returns higher than regular savings accounts and tax benefits. NRIs planning for long-term financial goals such as their retirement or their children's education can benefit from accumulation in PPF. The NRIs cannot open new PPF accounts but can continue their existing PPF accounts until maturity if any8.

e) Money Market Instruments 

Money Market Instruments are short-term financial instruments such as Commercial Papers, Treasury Bills, etc., involving lower risk and high liquidity. NRIs are to invest in these securities on a repatriable or non-repatriable basis.

f)  Perpetual or PSU (Public Sector Undertaking) Bonds 

Perpetual bonds are bonds which cannot be redeemable but offer steady interest pay-outs. They do not have a fixed maturity date but offer regular returns9. PSU Bonds are bonds issued by Government enterprises offering fixed rates of interest and involve low risk. These bonds generally have a long-term maturity period10.

g)  Sovereign Gold Bonds (SGBs)15

SGBs are government securities denominated in grams of gold. These bonds are a substitute for holding physical gold. The value of the SGBs is linked to the price of gold, and the cash benefit can be redeemed after the specified fixed tenure.

  1. NRI investment options for High Net Worth Individuals (HNIs) in India

a)   Portfolio Management Services (PMS)12 

Portfolio Management Services is a professional financial management service offered by professional portfolio managers to HNIs. They manage the investment portfolio of the clients under the research team’s guidance. Portfolio management services can be related to stocks, debt, and other securities.

b)  Alternative Investment Funds12 

AIFs are investment vehicles which collect funds from investors to invest the amounts in different asset classes such as private equity, real estate, hedge funds, etc. It is considered one of the best investment options for potential high returns.

c)  Start-ups13 

NRIs can invest in early-stage companies with innovative business models and high growth potential to increase their returns. Investing in start-ups is a good option for HNI NRIs to gain from the growth of these start-ups.

d)  Fractional Ownership of Commercial Real Estate (CRE)11 

Fractional ownership of CRE allows HNI investors to invest in high-value commercial properties with a limited amount of investment. It enables them to own a property partly and invest in India’s real estate sector.

e)  Infrastructure Investment Trust (INVITs)12

INVITs are investment vehicles which provide NRIs with an option to invest in developing infrastructure projects in India

 

Investment Plans by Bajaj Allianz Life that NRIs can Opt for

S. No.

Bajaj Allianz Life NRI Investment Plans

Features

1

Bajaj Allianz Life Assured Wealth Goal Platinum: A Non linked, Non Participating ,Individual Life Insurance Savings Plan

  • Assured Wealth Goal Platinum is a non linked, non participating ,individual life insurance savings plan which provides two income options: Smart Income and Regular Income
  • Income under this plan starts as early as the start of 2nd policy year
  • Offers multiple premium payment terms and income period options.

2

Bajaj Allianz Life ACE: A Non linked, Participating, Individual Life Insurance Savings Plan

  • Bajaj Allianz Life ACE offers a wide range of policy term option
  • Choose from a choice of income from the level or increasing or both
  • Get the option to plan income start year by postponing income start year up to 5 years

3

Bajaj Allianz Life Flexi Income Goal- Income Benefit: A Non-Linked, Participating, Guaranteed Income Life Insurance Plan

  • Flexi Income Goal- Income Benefit provides monthly cash flow as guaranteed monthly income from the end of the premium payment term.
  • Comes with a joint cover option.
  • offers survival Benefits with the option to accumulate it and earn investment return

4

Bajaj Allianz Life Assured Wealth Goal: A Non linked, Non Participating, Individual, Life Insurance Savings Plan

  • Assured Wealth Goal offers Income Benefit with Life Cover
  • provides six different variants to choose from based on your income needs.
  • The choice to select Income Period for which you want to receive your Regular Guaranteed Pay-outs

5

Bajaj Allianz Life Guaranteed Savings Goal: A Non-Linked, Non-Participating, Life Insurance, Endowment Plan

  • Guaranteed Savings Goal is a single premium endowment plan.
  • Offers guaranteed maturity benefit with guaranteed enhancer.
  • The option to choose from high or low sum assured based on their requirement . 

6

Bajaj Allianz Life POS Goal Suraksha: A Non linked, Non Participating, Individual, Life Insurance Savings Plan

  • POS Goal Suraksha is a Limited Premium Payment Term
  • Offers policy loan facility
  • Provides an option to alter the premium payment mode

7

Bajaj Allianz Life Guaranteed Income Goal: A Non-Linked Non-Participating Endowment Life Insurance Plan

  • Provides a choice of 2 variants, Income benefit and lump-sum benefit
  • Get extended life cover beyond the policy term
  • Provides guaranteed maturity benefit as lump-sum.

9

 

Bajaj Allianz Elite Assure: A Non-linked Participating Endowment Life Insurance Plan

  • Offers guaranteed loyalty additions based on premium payment terms and policy term
  • Offers guaranteed maturity benefits, guaranteed loyalty additions and bonuses.
  • Get a high sum assured rebate for guaranteed maturity benefit greater than ₹ 5 lakh..
Why should NRIs Invest in investment plans in India?

Investing in India offers several advantages for non-resident Indians (NRIs), driven by the country's diverse investment opportunities and robust economic growth. Here are the key reasons why NRIs should consider investment plans in India:

Portfolio Diversification

NRIs can diversify their global investment portfolio by investing in India and spreading their investments across markets to minimise risk and enjoy steady growth. They can balance their investment across different asset classes and geographic regions.

Read More

Read Less

Build a Retirement Corpus

Investment plans such as the National Pension System (NPS) enable NRIs to build a retirement corpus for their golden years.

Read More

Read Less

Better Returns14

India is one of the fastest-growing major economies in the world, with an expanding market for several investment opportunities including fixed-income securities, equities and real estate for better return on investments.

Read More

Read Less

Tax Benefits

Investment plans in India also offer potential tax benefits and incentives for NRIs. Life Insurance premiums are eligible for tax deduction under Section 80C of the Income Tax Act, 1961, up to ₹1.5 lakhs, subject to specified terms and conditions3 under old tax regime. Interest earned on NRE Fixed Deposits is tax-free in India till the individual qualifies as person resident outside India (PROI) under the provisions of the Foreign Exchange Management Act, 19994.. NRIs also benefit from the Double Taxation Avoidance Agreement (DTAA) entered between their country of residence and India to avoid double taxation in both countries5

Read More

Read Less

How can NRIs invest in India?

If you are an NRI and want to invest in India, here is all you need to do so.

  1. Open an NRO or NRE Bank Account
  2. NRIs can open Non-Resident Ordinary (NRO) or Non-Resident External (NRE). NRE bank accounts only allow foreign currency credits and NRO accounts allow both foreign currency credits from overseas and local credits in Indian Rupees6. NRIs can select their preferred type of account to open as per their financial needs.

    Note - There might be other modes of payments also, as supported by insurers. Check with your insurer for the available options.

  3. Do the KYC (Know-Your-Customer) Documentation.
  4. NRIs must fulfil the Know Your Customer (KYC) requirements and submit the KYC documents such as their address proof, identity proof, etc.

  5. Choose your preferred Investment Plans in India. 
  6. Select your preferred investment plan from the range of savings plans or retirement plans.

  7. Comply with Rules and Regulations. 
  8. Before investing, NRIs must understand the tax implications in India to avoid penalties. They should also consider the implications of the tax treaty between India and their country of residence.

Eligibility criteria for NRIs to invest in India

NRIs have a variety of investment opportunities in India, subject to fulfilling the specific eligibility criteria and regulations. The eligibility criteria for NRIs to invest in India across different asset classes and financial instruments are stated as follows:

  • They must meet certain criteria to maintain their NRI status. Individuals who do not reside in India for more than 182 days in a previous year or have not resided in India for 60 days or more in the previous year and for 365 days or more during four years immediately preceding the previous year are considered NRIs7
  • The NRI should have an NRE or NRO bank account to facilitate the transfer of funds or done via foreign currency . 

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.

99.23%

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
₹1,20,994 Cr

Assets Under Management (AUM)**

Assets Under Management (AUM)
3.97 Cr

Number of Lives Covered#

Number of Lives Covered
432%

Solvency Ratio of 432%^^^

Solvency Ratio
Claim Settlement Ratio 2023-24

Disclaimer:~Individual Death Claim Settlement Ratio for FY 2023-2024 | %96.70% of non-investigative individual claims approved in one working day for FY 2023-24. 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 | $$For details refer to press release published by CARE | **All figures as on 31 January, 2025 | ^^^Solvency ratio 432% as at 31 March 2024 against IRDAI mandated 150% | #Individual & Group.

Frequently Asked Questions

Reference

  1. https://www.investindia.gov.in/foreign-direct-investment#:~:text=In%20FY%202014%2D15%2C%20FDI,during%20the%20FY%202021%2D22.
  2. https://economictimes.indiatimes.com/nri/invest/retirement-planning-wealth-preservation-or-funding-education-why-are-nris-investing-in-india/articleshow/107480558.cms?from=mdr
  3. https://cleartax.in/s/life-insurance-taxability
  4. https://www.livemint.com/money/personal-finance/should-nre-deposits-be-reported-in-itr-11709463654217.html
  5. https://cleartax.in/s/how-nris-can-claim-benefits-under-dtaa
  6. https://cleartax.in/s/nre-nro-accounts
  7. https://cleartax.in/s/nri-status-and-taxation
  8. https://economictimes.indiatimes.com/nri/invest/can-nris-continue-to-operate-their-ppf-accounts/articleshow/108789169.cms?from=mdr
  9. https://www.wintwealth.com/blog/perpetual-bonds-meaning-features-how-they-work/

Customer Speaks

Happy with the services
I have invested in various products of Bajaj Allianz Life Insurance - I am happy with the services, returns and diversified product portfolio.
Rashmi Bhavnani
5
Satisfied, Trust
I am a happy customer who is satisfied with the after sales service. I have full trust in Bajaj Allianz Life Insurance Company.
Shrikant A Karande
5
Happy with the returns
I was introduced by my advisor to invest in Bajaj Allianz Life Insurance .I have invested in the same and am happy with the returns and services.
Kavita Goplani
5
Very Happy
I am a 7 year old customer of Bajaj Allianz Life Insurance and very happy about the services.
Dhruv Soni
5
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Disclaimer

Tax benefits as per prevailing Section 10(10D) and Section 80C of the Income Tax Act shall apply. You are requested to consult your tax consultant and obtain independent advice for eligibility before claiming any benefit under the policy.

Bajaj Allianz Life Insurance Co. Ltd. | IRDAI Reg. No. 116

Bajaj Allianz Life Insurance Security
Bajaj Allianz Life is a trusted insurance partner Reviewed by Life Insurance Experts
Bajaj Allianz Life is a trusted insurance partner

At Bajaj Allianz Life, we are here to support you in building a secure and worry-free financial future. With over 24 years of experience, we provide a variety of life insurance plans, including protection, retirement, savings, investment and health, to meet your unique needs.

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Terms & Conditions

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

Disclaimers:
Plus Symbol
Minus Symbol

The risk factors of the bonuses projected under the product are not guaranteed. Past performance of the Company doesn't construe any indication of future bonuses. The product is subject to the overall performance of the Company in terms of investments, management of expenses, mortality and lapses.

Risk Factors and Warning Statements: Bajaj Allianz Life Insurance Company Limited and Bajaj Allianz Life Assured Wealth Goal Platinum, Bajaj Allianz Life ACE, Bajaj Allianz Life Flexi Income Goal- Income Benefit, Bajaj Allianz Life Assured Wealth Goal, Bajaj Allianz Life Guaranteed Savings Goal, Bajaj Allianz Life POS Goal Suraksha, Bajaj Allianz Life Guaranteed Income Goal, Bajaj Allianz Life Flexi Income Goal- Enhanced Benefit, Bajaj Allianz Elite Assure are the names of the company and the products respectively and do not in any way indicate the quality of the product and its future prospects or returns. 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.  Regd. Office Address: Bajaj Allianz House, Airport Road, Yerawada, Pune – 411006. IRDAI Reg. No.: 116.| CIN : U66010PN2001PLC015959 | Mail us : customercare@bajajallianz.co.in | Call on : Toll free no. 1800 209 7272

Bajaj Allianz Life Assured Wealth Goal Platinum: A Non linked, Non Participating, Individual Life Insurance Savings Plan (UIN No: 116N188V03)

Bajaj Allianz Life ACE: A Non linked, Participating, Individual Life Insurance Savings Plan (UIN No: 116N186V01)

Bajaj Allianz Life Flexi Income Goal- Income Benefit: A Non-Linked, Participating, Guaranteed Income Life Insurance Plan (UIN No: 116N162V02)

Bajaj Allianz Life Assured Wealth Goal: A Non linked, Non Participating, Individual, Life Insurance Savings Plan (UIN No: 116N170V12)

Bajaj Allianz Life Guaranteed Savings Goal: A Non-Linked, Non-Participating, Life Insurance, Endowment Plan (UIN No: 116N158V03)

Bajaj Allianz Life POS Goal Suraksha: A Non linked, Non Participating, Individual, Life Insurance Savings Plan (UIN No: 116N155V12)

Bajaj Allianz Life Guaranteed Income Goal: A Non-Linked Non-Participating Endowment Life Insurance Plan (UIN No: 116N157V10)

Bajaj Allianz Life Flexi Income Goal- Enhanced Benefit: A Non Linked, Participating, Guaranteed Income Life Insurance Plan (UIN No: 116N162V02)

Bajaj Allianz Elite Assure: A Non-linked Participating Endowment Life Insurance Plan (UIN No: 116N127V03)

Tax benefits as per prevailing Section 10(10D) and Section 80C of the Income Tax Act shall apply. You are requested to consult your tax consultant and obtain independent advice for eligibility before claiming any benefit under the policy.

X
Disclaimer

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 performance 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 Goal Assure II - A Unit- Linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L180V02) is only the name of the unit linked insurance contract 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.For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale.

*Conditions apply- The Guaranteed benefits are dependant on the policy terms, premium payment terms availed along with other variable factors. For more details please refer respective product sales.(Also available on www.bajajallianzlife.com). This benefit is available with Bajaj Allianz Life Pos Goal Suraksha. brochure.

Bajaj Allianz Life Insurance Co. Ltd. | IRDAI Reg. No. 116

X
Disclaimer

Bajaj Allianz Life eTouch- A Non Linked, Non-Participating, Individual Life Insurance Term Plan (UIN: 116N172V04)

*Tax benefits as per prevailing Section 10(10D) and Section 80C of the Income Tax Act shall apply. You are requested to consult your tax consultant and obtain independent advice for eligibility before claiming any benefit under the policy.Above Tax benefit is calculated considering deduction of Rs. 150,000 and applicable tax rate of 31.20%.

~Individual Death Claim Settlement Ratio for FY 2023-2024

1Premium Holiday has to be selected at inception to avail this benefit and also depends on other policy terms & conditions


Bajaj Allianz Life Insurance Co. Ltd. | IRDAI Reg. No. 116


X
Disclaimer

*Not available if policy issued after 20th March 2025

Past returns of a fund are not necessarily indicative of the future performance of the fund. | Please consult the financial advisor before investing.

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 performance 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 Future Wealth Gain IV - A Unit- linked Non- Participating Individual Life Savings Insurance Plan (UIN:116L202V01), Bajaj Allianz Life Goal Assure IV - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L204V01), Bajaj Allianz Life LongLife Goal III is A Unit-linked Non-Participating Whole Life Insurance Plan (UIN:116L203V01), Bajaj Allianz Life Invest Protect Goal III - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L205V01), Bajaj Allianz Life Magnum Fortune Plus III - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L207V02), Bajaj Allianz Life Goal Based Saving III - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN:116L206V01), Bajaj Allianz Life Fortune Gain II- A Unit-linked Non Participating Individual Life Savings Insurance Plan (UIN: 116L196V02) and Bajaj Allianz Life Smart Wealth Goal V - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L201V02) are 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.

Focused 25 Fund is available with Bajaj Allianz Life Future Wealth Gain IV - A Unit- linked Non- Participating Individual Life Savings Insurance Plan (UIN:116L202V01), Bajaj Allianz Life Goal Assure IV - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L204V01), Bajaj Allianz Life LongLife Goal III is A Unit-linked Non-Participating Whole Life Insurance Plan (UIN:116L203V01), Bajaj Allianz Life Invest Protect Goal III - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L205V01), Bajaj Allianz Life Magnum Fortune Plus III - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L207V02), Bajaj Allianz Life Goal Based Saving III - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN:116L206V01), Bajaj Allianz Life Fortune Gain II- A Unit-linked Non Participating Individual Life Savings Insurance Plan (UIN: 116L196V02) and Bajaj Allianz Life Smart Wealth Goal V - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L201V02)

In addition to the already existing funds, Focused 25 Fund is now available with the above mentioned products. Customer has an option to choose from other available funds apart from Focused 25 Fund.

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Terms & Conditions

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, including via Voice over Internet Protocol & WhatsApp, SMS or WhatsApp messages, 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

Bajaj Allianz Life Term Insurance with tax benefit up to Rs 46,800

Buy Term Insurance
Reshot Illustration Discover Mountain
Bajaj Allianz Life Term Insurance with tax benefit up to Rs 46,800*
99.23% Claim Settlement Ratio~
Premium Holiday1
Buy Term Insurance

Disclaimer
BJAZ-OT-EC-08288/24

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Final Hours! Price Increasing Today*

Get ₹1Cr. Life Cover @ ₹18/ Day^

Upto 12% online discount on 1st Year Premium3

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*,^,3T&C Apply

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*,^,3T&C Apply

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Disclaimer

^Above illustration is for Bajaj Allianz Life iSecure II – A Non-Linked, Non-Participating, Individual Life
Insurance Term Plan (UIN:116N208V01) considering Male aged 24 years | Non-Smoker | Policy Term
(PT)–20 years | Premium Payment Term (PPT)– 20 years | Sum Assured opted is Rs.1,00,00,000 |
Online Channel | Standard Life | Indian Resident | 1st Year Premium is Rs.5,452. 2nd Year onwards
premium Rs.6,614. Total Premium Rs.1,31,118 | Medical Rates | Yearly Premium Payment Mode |
Death benefit opted is lumpsum payout and monthly instalments (Lumpsum Payout Percentage:10,
Income Payout Percentage:90). Income payout instalment opted for 40 years | Premium shown
above is inclusive of Online Discount only,no other discounts have been considered and 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. 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.
*Premium increase applicable only for certain policy term, premium payment term and sum assured
combinations
312% Discount on online purchase is available for regular premium payment and limited premium
payment frequency on first year's premium.

X
Terms & Conditions

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, including via Voice over Internet Protocol & WhatsApp, SMS or WhatsApp messages, 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

X
Disclaimer

Bajaj Allianz Life eTouch- A Non Linked, Non-Participating, Individual Life Insurance Term Plan (UIN: 116N172V04)

*Tax benefits as per prevailing Section 10(10D) and Section 80C of the Income Tax Act shall apply. You are requested to consult your tax consultant and obtain independent advice for eligibility before claiming any benefit under the policy.Above Tax benefit is calculated considering deduction of Rs. 150,000 and applicable tax rate of 31.20%.

~Individual Death Claim Settlement Ratio for FY 2023-2024

1Premium Holiday has to be selected at inception to avail this benefit and also depends on other policy terms & conditions


Bajaj Allianz Life Insurance Co. Ltd. | IRDAI Reg. No. 116


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