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Savings Plan For Your Family Goals - Bajaj Allianz Life POS Goal Suraksha

Your family's security and its future well-being is one of the most treasured dreams in your life. But when Security is backed up by a guarantee, your dream can transform into an achievable GOAL. Presenting Bajaj Allianz Life POS Goal Suraksha, an easy to buy, non-linked, life, individual, non-participating, limited premium payment, non-medical, POS endowment savings plan that secures you and your family against all odds with a guaranteed sum at maturity.

Bajaj Allianz Life POS Goal Suraksha is a non-linked, life, individual, non-participating, limited premium payment, non-medical, POS endowment savings plan. The key advantages of this savings plan are:

Guaranteed maturity benefit

Offers Guaranteed Additions at maturity

Limited premium payment term

Option to take policy loan

Option to alter premium payment mode

1

Choose your Premium amount
2

Sum Assured will be 10 times of the annualized premium
3

Choose your Policy Term (PT)
4

Choose your Premium Payment Term (PPT) from available options

Entry Age

Minimum age is 18 years

Maximum age is 55 years

Maturity Age

Minimum age of maturity 28 years

Maximum age of maturity 65 years

Policy Term (PT) & Premium Payment Term (PPT)

Policy Term	Premium Payment Term
10 years	7 years
15 years	5,7,8,10 & 12 years
20 years	5,7,8,10 & 12 years

Minimum Premium

Mode	Yearly	Half-Yearly	Quarterly	Monthly
Premium `	` 3,000	` 2,100	` 1,250	` 450

Maximum Premium

As per Maximum Sum Assured

Sum Assured

Minimum Sum Assured is ` 30,000

Maximum Sum Assured is ` 25,00,000

Premium Payment Frequency

Yearly, Half-yearly, Quarterly^* and Monthly^*

*Quarterly & Monthly premium payment frequency will be allowed only under auto-debit process (as per the approved RBI facilities)

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Policy Document
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Subhash is 40 years old

He is taking a Bajaj Allianz Life POS Goal Suraksha.

MATURITY & DEATH BENEFIT

The below table gives a illustration of different premium ticket size, policy term and premium payment term combinations along with the Death & Maturity Benefit which will be received by Subhash or his nominee(s) / beneficiaries as the case maybe.

Annualized Premium (`)	Total Premium Paid (`)	Premium Payment Term	Policy Term	Death Benefit (`)	Maturity Benefit (`)
Annualized Premium (`)	Total Premium Paid (`)	Premium Payment Term	Policy Term	Death Benefit (`)	Guaranteed Additions (A) (`)	Guaranteed Sum Assured on Maturity (B) (`)	Total Maturity Benefit (A)+(B) (`)
` 5,000	` 35,000	7 years	10 years	` 50,000	` 1,050	` 50,000	` 51,050
` 10,000	` 70,000			` 1,00,000	` 2,100	` 100,000	` 1,02,100
` 15,000	` 1,05,000			` 1,50,000	` 3,150	` 1,50,000	` 1,53,150
` 25,000	` 1,75,000			` 2,50,000	` 5,250	` 2,50,000	` 2,55,250
` 50,000	` 3,50,000			` 5,00,000	` 10,500	` 5,00,000	` 5,10,500
` 5,000	` 25,000	5 years	15 years	` 50,000	` 2,050	` 50,000	` 52,050
` 10,000	` 50,000			` 1,00,000	` 4,100	` 1,00,000	` 1,04,100
` 15,000	` 75,000			` 1,50,000	` 6,150	` 1,50,000	` 1,56,150
` 25,000	` 1,25,000			` 2,50,000	` 10,250	` 2,50,000	` 2,60,250
` 50,000	` 2,50,000			` 5,00,000	` 20,500	` 5,00,000	` 5,20,500
` 5,000	` 35,000	7 years	15 years	` 50,000	` 19,050	` 50,000	` 69,050
` 10,000	` 70,000			` 1,00,000	` 38,100	` 100,000	` 1,38,100
` 15,000	` 1,05,000			` 1,50,000	` 57,150	` 150,000	` 2,07,150
` 25,000	` 1,75,000			` 2,50,000	` 95,250	` 2,50,000	` 3,45,250
` 50,000	` 3,50,000			` 5,00,000	` 1,90,500	` 5,00,000	` 6,90,500
` 5,000	` 40,000	8 years	15 years	` 50,000	` 27,700	` 50,000	` 77,700
` 10,000	` 80,000			` 1,00,000	` 55,400	` 1,00,000	` 1,55,400
` 15,000	` 1,20,000			` 1,50,000	` 83,100	` 1,50,000	` 2,33,100
` 25,000	` 2,00,000			` 2,50,000	` 138,500	` 2,50,000	` 3,88,500
` 50,000	` 4,00,000			` 5,00,000	` 277,000	` 5,00,000	` 7,77,000
` 5,000	` 50,000	10 years	15 years	` 52,500	` 41,250	` 50,000	` 91,250
` 10,000	` 1,00,000			` 1,05,000	` 82,500	` 1,00,000	` 1,82,500
` 15,000	` 1,50,000			` 1,57,500	` 1,23,750	` 1,50,000	` 2,73,750
` 25,000	` 2,50,000			` 2,62,500	` 2,06,250	` 2,50,000	` 4,56,250
` 50,000	` 5,00,000			` 5,25,000	` 4,12,500	` 5,00,000	` 9,12,500
` 5,000	` 60,000	12 years	15 years	` 63,000	` 54,800	` 50,000	` 1,04,800
` 10,000	` 1,20,000			` 1,26,000	` 1,09,600	` 1,00,000	` 2,09,600
` 15,000	` 1,80,000			` 1,89,000	` 1,64,400	` 1,50,000	` 3,14,400
` 25,000	` 3,00,000			` 3,15,000	` 2,74,000	` 2,50,000	` 5,24,000
` 50,000	` 6,00,000			` 6,30,000	` 5,48,000	` 5,00,000	` 10,48,000
` 5,000	` 25,000	5 years	20 years	` 50,000	` 21,100	` 50,000	` 71,100
` 10,000	` 50,000			` 1,00,000	` 42,200	` 1,00,000	` 1,42,200
` 15,000	` 75,000			` 1,50,000	` 63,300	` 1,50,000	` 2,13,300
` 25,000	` 1,25,000			` 2,50,000	` 1,05,500	` 2,50,000	` 3,55,500
` 50,000	` 2,50,000			` 5,00,000	` 2,11,000	` 5,00,000	` 7,11,000
` 5,000	` 35,000	7 years	20 years	` 50,000	` 43,350	` 50,000	` 93,350
` 10,000	` 70,000			` 1,00,000	` 86,700	` 1,00,000	` 1,86,700
` 15,000	` 1,05,000			` 1,50,000	` 1,30,050	` 1,50,000	` 2,80,050
` 25,000	` 1,75,000			` 2,50,000	` 2,16,750	` 2,50,000	` 4,66,750
` 50,000	` 3,50,000			` 5,00,000	` 433,500	` 5,00,000	` 9,33,500
` 5,000	` 40,000	8 years	20 years	` 50,000	` 56,400	` 50,000	` 1,06,400
` 10,000	` 80,000			` 1,00,000	` 1,12,800	` 1,00,000	` 2,12,800
` 15,000	` 1,20,000			` 1,50,000	` 1,69,200	` 1,50,000	` 3,19,200
` 25,000	` 2,00,000			` 2,50,000	` 2,82,000	` 2,50,000	` 5,32,000
` 50,000	` 4,00,000			` 5,00,000	` 5,64,000	` 5,00,000	` 10,64,000
` 5,000	` 50,000	10 years	20 years	` 52,500	` 76,950	` 50,000	` 1,26,950
` 10,000	` 1,00,000			` 1,05,000	` 1,53,900	` 1,00,000	` 2,53,900
` 15,000	` 1,50,000			` 1,57,500	` 2,30,850	` 1,50,000	` 3,80,850
` 25,000	` 2,50,000			` 2,62,500	` 3,84,750	` 250,000	` 6,34,750
` 50,000	` 5,00,000			` 5,25,000	` 7,69,500	` 500,000	` 12,69,500
` 5,000	` 60,000	12 years	20 years	` 63,000	` 89,100	` 50,000	` 1,39,100
` 10,000	` 1,20,000			` 1,26,000	` 1,78,200	` 1,00,000	` 2,78,200
` 15,000	` 1,80,000			` 1,89,000	` 2,67,300	` 1,50,000	` 4,17,300
` 25,000	` 3,00,000			` 3,15,000	` 4,45,500	` 2,50,000	` 6,95,500
` 50,000	` 6,00,000			` 6,30,000	` 8,91,000	` 5,00,000	` 13,91,000

1. The death benefit will be receivable by the nominee(s)/beneficiaries and demonstrated as death of Life Assured at the end of PPT

2. The premiums mentioned above are exclusive of any extra premium loading and Goods & Service Tax/any other applicable tax levied, subject to changes in tax laws.

Maturity Benefit

On the maturity date, if all premiums are paid, the Guaranteed Sum Assured on Maturity plus Guaranteed Additions, under your policy, will be paid and the policy will terminate.

Death Benefit

In case of unfortunate death of the Life Assured due to accident during the waiting period^$ or in case of death of the Life Assured after the waiting period^$ due to any cause, the death benefit is payable to the nominee (s) / beneficiaries. Such death benefit is stated as Sum Assured on Death^# which is as below.

Sum Assured on Death^# will be higher of

10 times of Annualized Premium^*,
105% of Total Premiums^** paid as on date of death,
Sum Assured^#,

In case of death of the Life Assured during the Waiting period other than due to an accident, the death benefit payable to the nominee(s) / beneficiaries will be the 100% of Total Premiums^** paid till date, excluding any extra premium, rider premium & Goods & Service Tax/any other applicable tax levied, subject to changes in tax laws.

The policy will terminate on payment of the death benefit.

The death benefit is payable provided the policy is in-force and all due premiums have been paid.

^*Annualized Premium is exclusive of extra premium, loadings for modal premiums and Goods & Service Tax, if any.

^**Total Premiums paid is equal to (Annualized Premium X number of years for which premiums have been paid)

^#Guaranteed Sum Assured on Maturity and Sum Assured is 10 times the Annualized Premium

^$Waiting period is the first 90 days from the date of commencement of risk. Waiting period is not applicable in case of revival.

Guaranteed Additions

On maturity date, if all due premiums have been paid, Guaranteed Additions as a multiple of one Annualized Premium will be paid along with the maturity benefit. The Guaranteed Additions payable are as per the table given below –

Age Band(Age at Entry)		GA as Multiple of one (1) Annualized Premium
Age Band(Age at Entry)	PT–PPT: 10-7	PT–PPT: 15-5	PT–PPT: 15-7	PT–PPT: 15-8	PT–PPT: 15-10	PT–PPT: 15-12	PT–PPT: 20-5	PT–PPT: 20-7	PT–PPT: 20-8	PT–PPT: 20-10	PT–PPT: 20-12
18 - 24	0.11	0.22	4.27	5.99	9.22	12.18	4.72	9.44	11.88	16.53	19.97
25 - 34	0.11	0.22	3.81	5.48	8.49	11.29	4.00	8.63	10.99	15.40	18.26
35 - 45	0.11	0.22	3.57	5.21	7.97	10.66	3.87	8.23	10.61	14.84	17.22
46 - 55	0.11	0.22	3.05	4.63	7.71	10.33	NA	NA	NA	NA	NA

Guaranteed additions will not be payable in case of a lapsed or paid-up policy.

Savings Plan For Your Family Goals - Bajaj Allianz Life POS Goal Suraksha

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What Is Life Insurance? Life Insurance Meaning

What Is Life Insurance Policy?

Annualized Premium

“Annualised Premium” means the total amount of Regular Premiums payable in a Policy Year, after due consideration of applicable premium factors for various Premium Payment Frequency. In this calculation, any extra premium, Rider Premium or applicable taxes are excluded.

Grace Period

“Grace Period” means a period of fifteen (15) days for a monthly Premium Payment Frequency and thirty (30) days for other than monthly Premium Payment Frequency, from the due date of the Regular Premium payment.

Life Assured

“Claimant” means the Life Assured (if alive) or Policyholder (if different from the Life Assured) or the assignee or the Nominee or the legal heirs of Policyholder/Nominee(s) to whom the Policy Benefit will be payable.

Maturity Date

“Maturity Date” means the date specified in the Schedule on which the Maturity Benefit as per policy document shall become payable to the Policyholder

Nominee

“Nominee” means the person who has been nominated in writing to the Company by the Policyholder, who is entitled to receive the Death Benefits under the Policy as mentioned in Policy Document

Paid up Sum Assured on Death

“Paid-up Sum Assured on Death” is the reduced value of the Sum Assured on Death arrived at by multiplying the Sum Assured on Death with the proportion of the number of Regular Premiums paid to the total number of Regular Premiums payable under the Policy.

Paid up Sum Assured on Maturity

If the Regular Premiums due for first three (3) Policy Years are paid and subsequent Regular Premiums are not paid, the Policy will, immediately and automatically, be converted to a paid-up Policy on the expiry of the Grace Period as per the conditions stated in the policy document.

Paid up Sum Assured

“Paid-up Sum Assured” is the reduced value of the Sum Assured arrived at by multiplying the Sum Assured with the proportion of the number of Regular Premiums paid to the total number of Regular Premiums payable under the Policy

Policyholder

“Policyholder” means the adult person named in the Schedule who has concluded the Policy with the Company

Rider Benefit

“Rider Benefit” means the benefit payable under the Rider on the happening of the contingent event covered under the Rider. For more details, refer to the Policy Document

Rider Life Assured

“Rider Life Assured” means the person named as the Rider Life Assured in the Schedule whose life is assured under this Rider

Rider Premium

“Rider Premium” means the amount exclusive of applicable taxes, if any, payable by the Policyholder at regular intervals during the Rider Premium Paying Term, in amount (along with and as part of the Regular Premium) and at the Premium Payment Frequency.

Rider Premium Paying Term

“Rider Premium Paying Term” means the period specified in the Schedule during which the Rider Premium is payable.

Rider Term

"Rider Term” means the period between the Date of Commencement of Rider and the Rider Maturity Date, as mentioned in the Schedule

Sum Assured

“Sum Assured” is the amount as specified in the Schedule under the Policy.

Surrender Benefit

“Surrender Benefit” means the benefit, if any, payable on the surrender of the Policy. For more details refer to the Policy Document

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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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#1 Top Riser Brand Amongst ‘Top 75 most valuable Indian Brands 2022¹
One of the most Trusted Brand²
Claims Settlement Ratio 99.04%^~
1 Day Claim Approval⁷
Solvency ratio of 516%^
AAA : Stable Rating by CARE^$
` 90,584 Crore Total Assets Under Management (AUM)^**
2.82 Crore number of lives covered^#
Our Priority is not to sell Life Insurance, it is to serve you in the fastest & most convenient manner when you need us.

~Individual Death Claim Settlement Ratio for FY 2022-2023

**All figures as on 31 March 2023

^Solvency ratio 516% as at 31 March 2023 against IRDAI mandated 150%

^#Individual & Group

¹Report published by Kantar BrandZ India 2022 for details click here

²Survey conducted by brand equity – Nielsen in March 2020

⁷96.31% of non-investigative individual claims approved in one working day for FY 2022-23. 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

"What are your life goals?" is one of the most common questions that comes to one's mind while taking any step further in Life. Most just answer it by laughing it off or saying we will think about it.

A key reason that they feel this way is that they haven't spent enough time thinking about what they want from their life, and haven't set themselves any goals.

Goals keep changing as per different life stages and one has to plan meticulously for their future.

Deciding your Life Goal is all about planning to "Live your life, your way". There could be various Life Goals such as trotting the globe, becoming a food blogger to starting your own business, owning your dream house, or planning your Childs education or marriage.

L"IF"E is full of IF's... and one needs to plan to secure their loved ones and themselves against the Ifs of Life. When you opt for a life insurance plan, you transfer your family's financial risks in case of any unfortunate event to the life insurer. This allows you and your loved ones to live life fearlessly. Life Insurance protects your family's financial wellbeing from the consequences of living without an income.

When you purchase a life insurance policy, one of your major life goal gets fulfilled i.e. you purchase a sense of security. A safety net that cushions your family members from the financial impact of your sudden absence and ensures that any outstanding debts that were incurred during your lifetime don't fall upon your loved ones.

Having life goals is an important aspect in each one's life. One needs to be SMART and plan out well in advance to ensure nothing goes wrong in the future. Life insurance offers a range of products that could come in handy for meeting your financial goals.

To ensure that it is not too late, get your #LifeGoals insured with us today! It will help you smile in the face of tomorrow's uncertainties and let you live a worry free life!

GLOSSARY - PULL SMS TABLE!

No.

Service

Type Keyword

Send To

For Callback for service related queries

SUPPORT<space>POLICY NO

8108222251

For Callback for renewal premium payment related queries (From Registered Mobile Number)

RENEW<space>POLICY NO

For Branch Address

BRANCH<space>PIN CODE

For Callback for Reinvestment related queries (From Registered Mobile Number)

REINVESTMAT<space>POLICY NO

For Fund Value of Policy (From Registered Mobile Number)

FV<space>POLICY NO

For Account Statement (From Registered Mobile Number)

ACCSTMT<space>POLICY NO

To Update Email Address (From Registered Mobile Number)

EREG<space>Unique ID*<space>DOB of policyholder in DDMMYYYY<space>email id

For Callback for queries related to fund switching

FSWITCH<space>POLICY NO

For IT Certificate (From Registered Mobile Number)

TAXCERT<space>POLICY NO

For Claim status

CLAIM<space>POLICY NO

GLOSSARY - PULL SMS TABLE!

No.

Service

Type Keyword

Send To

For Callback for service related queries

SUPPORT<space>POLICY NO

8108222251

For Callback for renewal premium payment related queries (From Registered Mobile Number)

RENEW<space>POLICY NO

For Branch Address

BRANCH<space>PIN CODE

For Callback for Reinvestment related queries (From Registered Mobile Number)

REINVESTMAT<space>POLICY NO

For Fund Value of Policy (From Registered Mobile Number)

FV<space>POLICY NO

For Account Statement (From Registered Mobile Number)

ACCSTMT<space>POLICY NO

To Update Email Address (From Registered Mobile Number)

EREG<space>UNIQUE ID as printed on policy bond<space>DOB of policyholder in DDMMYYYY<space>email id

For Callback for queries related to fund switching

FSWITCH<space>POLICY NO

For IT Certificate (From Registered Mobile Number)

TAXCERT<space>POLICY NO

For Claim status

CLAIM<space>POLICY NO

Calling From	Phone Number (Toll Free)
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THAILAND
UNITED KINGDOM
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Savings Plan For Your Family Goals - Bajaj Allianz Life POS Goal Suraksha

Guaranteed maturity benefit

Offers Guaranteed Additions at maturity

Limited premium payment term

Option to take policy loan

Option to alter premium payment mode

Choose your Premium amount

Sum Assured will be 10 times of the annualized premium

Choose your Policy Term (PT)

Choose your Premium Payment Term (PPT) from available options

Brochure

Policy Document

Subhash is 40 years old

Savings Plan For Your Family Goals - Bajaj Allianz Life POS Goal Suraksha

Life Insurance Guide

Life Insurance Glossary

Annualized Premium

Grace Period

Life Assured

Maturity Date

Nominee

Paid up Sum Assured on Death

Paid up Sum Assured on Maturity

Paid up Sum Assured

Policyholder

Rider Benefit

Rider Life Assured

Rider Premium

Rider Premium Paying Term

Rider Term

Sum Assured

Surrender Benefit

Savings Plan For Your Family Goals - Bajaj Allianz Life POS Goal Suraksha

Guaranteed maturity benefit

Offers Guaranteed Additions at maturity

Limited premium payment term

Option to take policy loan

Option to alter premium payment mode

Choose your Premium amount

Sum Assured will be 10 times of the annualized premium

Choose your Policy Term (PT)

Choose your Premium Payment Term (PPT) from available options

Entry Age

Minimum age is 18 years

Maximum age is 55 years

Maturity Age

Minimum age of maturity 28 years

Maximum age of maturity 65 years

Policy Term (PT) & Premium Payment Term (PPT)

Minimum Premium

Maximum Premium

As per Maximum Sum Assured

Sum Assured

Minimum Sum Assured is ` 30,000

Maximum Sum Assured is ` 25,00,000

Premium Payment Frequency

Yearly, Half-yearly, Quarterly* and Monthly*

Brochure

Policy Document

Subhash is 40 years old

Maturity Benefit

Death Benefit

Guaranteed Additions

Guaranteed additions will not be payable in case of a lapsed or paid-up policy.

Savings Plan For Your Family Goals - Bajaj Allianz Life POS Goal Suraksha

Life Insurance Guide

Life Insurance Glossary

Annualized Premium

Grace Period

Life Assured

Maturity Date

Nominee

Paid up Sum Assured on Death

Paid up Sum Assured on Maturity

Paid up Sum Assured

Policyholder

Rider Benefit

Rider Life Assured

Rider Premium

Rider Premium Paying Term

Rider Term

Sum Assured

Surrender Benefit

Yearly, Half-yearly, Quarterly^* and Monthly^*