Claim Settlement Ratio of 99.23%~

Close Button Close Button
X
NRI Services Helpline

Calling FromPhone Number (Toll Free)
AUSTRALIA80037371371
CANADA
HONG KONG
ISRAEL
MALAYSIA
NEW ZEALAND
PHILIPPINES
SINGAPORE
THAILAND
UNITED KINGDOM
BRUNEI8014605
INDONESIA0018030160202
JORDAN080023194
OMAN80074363
TURKEY00800142030059
VIETNAM1800400070
UNITED STATES18339680951
Calling us from INDIA18002097272
Rest of the World+912067871700
(Call charges apply)

IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.

Bajaj Allianz Life Fortune Gain II

A Unit-linked Non Participating Individual Life Savings Insurance Plan

Up to 99.5% fund allocation#
Loyalty additions
Systematic switching option
calender_icon

Are you an NRI?

Select Country

Gender

Close Button
  • Overview

  • Key Advantages

  • Eligibility

  • Downloads

  • How ULIPs Works

  • How this Works

  • Sample Illustration

  • Policy Benefits

An intelligent investor deserves a smart plan that provides life cover and maximum benefit from every ounce of premiums invested; making sure the deduction in charges are minimum.

We present one such smart insurance plan - Bajaj Allianz Life Fortune Gain II - a Unit-Linked Single Premium Savings Plan that provides up to 99.5% Premium allocation to make sure that along with life cover, your valuable money is fully utilized towards building you a fortune.Be Future Safe with Fortune Gain II

Close Button

Maximum Allocation

The allocation charges are as low as 0.5% for premium of ₹ 10 lakh and above.

Multiple Fund Options

The policy allows you to choose among twelve funds depending upon your financial goals and risk profile. You can also avail unlimited free switches to better manage your investments.

Loyalty Additions

The policy rewards 5.6% of the single premium as loyalty additions, for premium of ₹10 Lakh & above & policy term of 10 years & above, enhancing the maturity amount you receive.

Systematic Switching Option

This option provides you with a winning approach in volatile market situation to optimize returns. At the start of the policy, you can opt for systematic switching, whereby your premium is invested in a liquid fund and a proportion of that amount is invested in a fund of your choice on each monthly due date over a period of next 12 months.

Option To Take Maturity Benefit In Instalments

The maturity benefit can be received in monthly, quarterly, half-yearly or annual instalments over a maximum period of five years under Settlement option.

Close Button

Entry Age

Minimum age is 01 year

In the case of minor life, the risk cover will commence immediately on date of commencement of Policy, and Policy will vest on the life assured on the attainment of majority (i.e., age 18 years).

Maximum age is 63 years

Maturity Age

Minimum age at maturity 18 years

Maximum age at maturity 70 years

Policy Term

Minimum is 7 years

Maximum is 30 years

Single Premium

Minimum is ₹ 50,000

Maximum is No Limit

Premium Payment Frequency

Single

Minimum Sum Assured

Age At Entry<50 Y: Rs. 1.25 times Single Premium

Age At Entry>=50 Y: Rs. 1.10 times Single Premium

Maximum Sum Assured

X * single premium, where X is based on age at entry and Policy term as mentioned below

Policy Term (in years)

Age at entry (in years)

1-20

21-30

31-35

36-44

45 & above

7 - 10

10

10

10

5

1.5

11 - 15

10

10

8

3

1.5

16 - 20

10

8

5

3

1.5

21 - 25

10

6

4

2

1.5

26 - 30

10

5

3

2

NA

Minimum & Maximum Sum Assured on Top up Premium

Minimum Top up sum assured

Age At Entry<50 Y: 1.25 times Top-up premium

Age At Entry>=50 Y: 1.10 times Top-up Premium

Maximum Top up Sum assured

1.25 times Top-up premium

- Age calculated is age as at the last birthday,
-Minimum and Maximum Premium will be as per the Board approved underwriting policy (BAUP).
- Maximum Sum Assured in a policy will be as per the Board approved underwriting policy (BAUP).

Close Button

Brochure

Download

Policy Document

Download

Customer Information Sheet

Download
Unit linked Insurance plans are packed with the dual powers of Investment and Insurance. Your ulip offers market linked returns and life cover, Other charges applicable are mortality charges, fund management charges and policy admin charges.

Select a ULIP

Pay the premium

Applicable charges levied

Net investable premium

Your money is invested in fund choosen by you

Returns accured in the policy fund value

In Bajaj Allianz Life Fortune Gain II, the premium paid by you, after applying the applicable premium allocation rate, is invested in Investor Selectable Portfolio Strategy. The units are allocated at the prevailing unit price of the fund. The mortality charge and policy administration charge are deducted monthly through cancellation of units. Fund management charge is adjusted in the unit price.

  • Maturity Benefit

  • Death Benefit

Yuvraj has taken a Bajaj Allianz Life Fortune Gain II policy for a Policy Term (PT) of 24 years. Yuvraj has decided to pay ₹ 2,00,000 as single premium. The Sum Assured chosen by him is ₹ 8,00,000.

Yuvraj , 35 years old

On maturity date, Yuvraj's maturity benefit, based on the assumed investment return are as given below: Policy Term: 24 Years

Assumed Investment Return##

Maturity Benefit

@8%

₹  7,51,661

@4%

₹ 2,31,061

##The returns indicated at 4% and 8% are illustrative and not guaranteed and do not indicate the upper or lower limits of returns under the policy.

The benefit amounts indicated are non-guaranteed illustrative figures, and subject to policy terms and conditions.

This illustration is considering investment in "Asset Allocation Fund II" & applicable Goods & Service Tax.

 

Yuvraj has taken a Bajaj Allianz Life Fortune Gain II policy for a Policy Term (PT) of 24 years. Yuvraj has decided to pay ₹ 2,00,000 as single premium. The Sum Assured chosen by him is ₹ 8,00,000.

Yuvraj , 35 years old

In case of Yuvraj's unfortunate death in the 16th policy year, the death benefit, based on the assumed investment return, are as given below: Policy Term: 24 Years

Assumed Investment Return##

Death Benefit in the 16th year

@8%

₹ 8,00,000

@4%

₹ 8,00,000

##The returns indicated at 4% and 8% are illustrative and not guaranteed and do not indicate the upper or lower limits of returns under the policy.

The benefit amounts indicated are non-guaranteed illustrative figures, and subject to policy terms and conditions.

This illustration is considering investment in "Asset Allocation Fund II" & applicable Goods & Service Tax.

Maturity Benefit

Under Bajaj Allianz Life Fortune Gain II, the maturity benefit will be the single premium fund value plus top up premium fund value, if any, both as on the maturity date, provided the policy is in-force.
It will be payable on the survival of the life assured to the maturity date.

Death Benefit

In case of unfortunate death before the maturity date, provided the policy is in-force, the death benefit payable to the nominee as a lumpsum (subject to the Guaranteed Death Benefit*) is:

  • (I) The higher of the Prevailing Sum Assured%or Single Premium Fund Value PLUS

  • (ii) The higher of Top Up Premium Sum Assured or TopUp Premium Fund Value, if any [All the above as on date of receipt of intimation of death}

*The guaranteed death benefit applicable throughout the policy term is 105% of the $Total Premiums paid including Top-up Premiums paid, if any, till the date of death.

$Total Premiums paid shall be equal to Single Premium paid and Top-Up premiums paid till date

%The benefit shall be reduced to the extent of the partial withdrawals made from Single Premium fund during the two (2) year period immediately preceding the death of the life assured.

The partial withdrawal made from the top up premium fund shall not be deducted for this purpose

 

Loyalty Additions

Your policy will be entitled for loyalty additions as per the below table. The addition, expressed as a percentage of the single premium, will be added to the single premium fund value at the maturity date of your policy.

Policy Term

Single Premium

₹ 50,000 to ₹ 9,99,999

₹ 10,00,000 & above

7 to 9

Nil

Nil

10 to 30

Nil

5.6%

No loyalty addition is payable on any top-up premium paid.

Surrender Benefit

You have the option to surrender your  your policy at anytime.

  • -On surrender during the lock-in period of first five years, the single premium fund value, less the discontinuance/surrender charge plus the top up premium fund value, if any, as on the date of surrender, will be transferred to the discontinued life policy fund (maintained by the company), and life cover shall cease immediately. The discontinuance value as at the end of the lock-in period will be available to you as surrender value.

  • -On surrender after the lock-in period of first five years, the surrender value payable will be single premium fund value plus top up premium fund value, if any, as on the date of surrender.

  • -The policy shall thereafter terminate upon payment of the full surrender value by the company.

Close Button

Why Bajaj Allianz Life Insurance ?

99.29%
Claim Settlement Ratio~
1 Day
Claim Approval%
AAA
CARE Stable Rating$
₹1,23,734 Cr
Assets Under Management (AUM)**
3.85 Cr
Number of Lives Covered#
359%
Solvency Ratio of 359%^

Disclaimer:~Individual Death Claim Settlement Ratio for FY 2024-2025 | %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 March, 2025 | ^Solvency ratio 359% as at 31 March 2025 against IRDAI mandated 150% | #Individual & Group as on 31 March, 2025

dot-image
Need Assistance

For all your needs, we're here with expert assistance

576~~ Branches
PAN India Service
1,60,013 ~~
Insurance Consultants
Have Us Call You
I agree and consent to the Terms & Conditions and the Privacy Policy

Customer Reviews

Customer Rating
4.3
4.3
Reviews by 3124 customers
Rate & Review

(Rate your experience on the website)

Please select the rating to proceed

Tell us how was your experience ?

1. Easily found what I needed

2. Information provided are clear and easy to understand

3. Look and feel of the website is attractive

4. Easy to download all relevant documents

5. User friendly website

6. Write Your Review

500 characters remaining
I agree and consent to the Terms & Conditions, Privacy Policy

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

Frequently Asked Questions

Life Insurance Guide -Ulip Related Articles

  • Articles
  • Calculators

  • Podcasts
  • Videos

What Are Type-1 And Type-2 ULIPs?

Serving as one of the preferred financial tool for both investment and insurance, ULIPs are one of the most popular investments made in today’s time.

Maturity Benefit of ULIP Plans

This means that when you invest in ULIPs, your premium is directed toward the market-linked funds that you choose. Your investment, then, yields

Know How ULIP Fund Switching Works

Unit Linked Insurance Plans (ULIPs) come with the dynamic option of Fund Switching, which provides the much-needed flexibility to this investment product.

Benefits of ULIP

Unit Linked Insurance Plans, or ULIP, is a type of life insurance plan that comes with the unique benefit of investing in market-linked funds. Depending on your risk appetite

Underinsurance Calculator

Underinsurance Calculator

With the Underinsurance Calculator, check if your Life Cover is atleast 10x of your Annual Income.

Fixed Deposit Calculator

Answer a few easy questions to calculate your Fixed Deposit Returns.

NPS Calculator

Calculate your NPS returns effortlessly with our simple to use NPS Calculator.

SIP Calculator

Plan your investments effortlessly and achieve your financial goals with our easy-to-use SIP Calculator.

Retirement Preparedness Score Calculator

Retirement Preparedness Score Calculator

Answer a few simple questions to know how prepared you are for your retirement.

Life Goal Calculator

Answer a few simple questions to know the corpus required to fulfil your Life Goal.

Child Education Planning Tool

A simple to use and comprehensive tool to plan for your child's education.

Term Insurance Calculator

An easy to use Term Insurance calculator to determine the right life cover amount as per your needs.

Savings to Life Goals Convertor

Use this calculator to know how savings from regular expenses can help you achieve your Life Goals.

Financial Fitness Calculator

Get to know your Financial Fitness Score by answering few simple questions.

Immunity Score Calculator

Use our immunity calculator to find out your immunity score in just a few clicks!

ULIP Calculator

Know the amount to invest today to have the corpus to accomplish your Life Goals tomorrow.

Power of Compounding Calculator

Get an estimate of how much your investment will grow over a period of time.

Income Tax Calculator

Know your income tax based on the taxable income and explore Life Insurance plans to save more tax.

Child Plan Calculator

A simple to use calculator that helps you plan for fulfilling your Child's Life Goals.

Retirement Calculator

Calculate the amount you need to invest today to accomplish your retirement life goals.

Investment Calculator

Answer a few simple questions to know estimated corpus you will have to fulfil your Life Goals.

Body Mass Index (BMI) Calculator

Body Mass Index (BMI) is a measure to understand whether your body weight is healthy as per your height.

EP 1: How to Retire Rich

ft. Mr. Sameer Joshi, Chief Agency Officer, discussing how to manage finances for financial freedom.

EP 2: Decoding Union Budget FY24

Mr. Sampath Reddy, Chief Investment Officer, shares his views on the Union Budget 2023.

EP 3: Will Writing Simplified

Mr. Dheeraj Sehgal, CDO – IB & Mr. Jatin Popat, WillJini discuss Will Writing & Succession Planning.

Ep 4: Monthly Market Outlook (Mar'23)

Mr. Sampath Reddy, CIO talks about upcoming challenges - inflation & recession and our Market Outlook.

EP 5: Monthly Market Outlook (Apr'23)

Mr. Sampath Reddy, our CIO, is back with another insightful episode of India Market Outlook.

EP 6: Buidling Wealth with SISO

ft. Mr. Ajay Rajvanshi, Sr. EVP, as he shares his views on building wealth with SISO.

EP 7: Monthly Market Outlook (May'23)

Mr. Sampath Reddy, CIO, shares his views on the latest happenings in the market, globally and India.

EP 8: Monthly Market Outlook (Jun'23)

Mr. Sampath Reddy, CIO, discusses the impact of US FED, RBI and impact of global slowdown on India.

EP 9: NRIs and Investment in India

Mr. Rajesh Krishnan, COO, discusses immense investment potential of India for NRIs.

Life Insurance Made Easy | Nominee

This video explores life insurance policy nominations, empowering informed decisions for securing your family's future

Life Insurance Made Easy | Autopay

Know how Autopay simplifies the premium-paying process by eliminating the need for manual payments

Life Insurance Made Easy | Policy Admin Charges

Explore the management of life insurance processes with Policy Administration Charge in this video

Life Insurance Made Easy | Endowment

Wondering about combining life insurance and long-term savings? Explore Endowment Plan benefits and suitability here

Life Insurance Made Easy | Waiver of Premium

Discover how the waiver of premium provision can protect you from financial burdens in times of Death, critical illness or disability

Life Insurance Made Easy | Solvency Ratio

Discover the importance of solvency ratio for insurance companies and its implications in this insightful video

Close Button
Disclaimers:
Plus Symbol
Minus Symbol

#For Premiums of ₹ 10 Lakhs and above

**Past performance is not indicative of future performance.

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

Please note that the fund aims to replicate the performance of benchmark index fund, subject to tracking error.

~~All figures as on 31 January, 2025

Call to Buy Symbol

Call to Buy

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, 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

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, 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

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

^Not available if policy issued after 30th May 2025 | *As on 28th March 2025 Past 5 Year CAGR returns in Benchmark Nifty 200 Alpha 30 Index. Please note that the fund aims to replicate the performance of benchmark index fund, subject to tracking error. 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 Smart Pension- A Unit -Linked, Non-Participating Individual Pension Plan (UIN- 116L209V01) is 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.

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.

Nifty 200 Alpha 30 Index Pension Fund is available only with Bajaj Allianz Life Smart Pension- A Unit -Linked, Non-Participating Individual Pension Plan (UIN: 116L209V01).

In addition to other funds, Nifty 200 Alpha 30 Index Pension Fund is now available with Bajaj Allianz Life Smart Pension. Customer has an option to choose from other available funds apart from Nifty 200 Alpha 30 Index Pension Fund.

Death Benefit shall be the Fund Value, subject to a minimum of the 105% of Total Premiums Paid, as on the date of death.

close
Ask for an Agent
Sign up for personal visit and tailored advice from our expert agents