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

Bajaj Allianz Life Fortune Gain II

Q: What is the advantage of going for Systematic Switching Option (SSO)?

Systematic Switching Option can be opted at the time of purchasing the policy and is applicable for the first year or 12 months from the date of commencement of the plan. SSO allows you to optimize returns in a volatile market. In this option, the allocated single premium and top-up premium, if any, at the inception of your policy is allocated to Liquid Fund. 1/xth of your fund value in the Liquid Fund is transferred from the Liquid Fund to the fund(s) of your choice at the start of each monthly anniversary, without any additional charge, where x is the number of months remaining till the next policy anniversary date. Since Liquid Funds invest in relatively safer financial instruments including bank fixed deposits, treasury bills, and other debt securities, it helps in tiding over market volatility

A Unit-linked Non Participating Individual Life Savings Insurance Plan

Up to 99.5% fund allocation^#

Loyalty additions

Systematic switching option

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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

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.

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)
Policy Term (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).

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 , 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 16^th 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
Policy Term	₹ 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.

Why Bajaj Allianz Life Insurance ?

99.29%

Claim Settlement Ratio^~

1 Day

Claim Approval^%

AAA

CARE Stable Rating^$

₹1,26,434 Cr

Assets Under Management (AUM)^**

3.78Cr

Number of Lives Covered^#

359%

Solvency Ratio of 359%^{^}

Disclaimer:^~Individual Death Claim Settlement Ratio for FY 2024-2025 | ^%99.29% of non-investigative individual claims approved in one working day for FY 2024-25. 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. 96% of non - investigative claims notified were processed within one day in FY’25 | ^$For details refer to press release published by CARE | ^**All figures as on 30th April, 2025 | ^{^}Solvency ratio 359% as at 31st March 2025 against IRDAI mandated 150% | ^#Individual & Group as on 30th April, 2025

Need Assistance

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

576^~~ Branches

PAN India Service

1,60,013 ^~~

Insurance Consultants

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

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

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

Very Happy

I am a 7 year old customer of Bajaj Allianz Life Insurance and very happy about the services.

Dhruv Soni

Frequently Asked Questions

What are the funds available under Investor Selectable Portfolio strategies?

You have the option to choose from seven funds including Equity Growth fund II, Accelerator Mid-Cap Fund II, Pure Stock Fund, Asset Allocation Fund II, Blue Chip Equity Fund, Bond Fund and Liquid Fund. You can choose the funds depending on your risk appetite and life goal.

What are the allocation charges in Fortune Gain II?

Fortune Gain has one of the lowest allocation charges, ensuring that maximum amount from your corpus is invested, thus maximizing the return on your investment. For premium between ₹ 50,000 to ₹ 99,999 the allocation charges are 3%; for premium between ₹ 99,000 to ₹ 4,99,999 the charges are 2.5%; for premium between ₹ 4,99,999 to ₹ 9,99,999 the allocation charges are 2% and for premium of ₹ 10,00,000 and more it is just 0.5%.

What is the advantage of going for Systematic Switching Option (SSO)?

Systematic Switching Option can be opted at the time of purchasing the policy and is applicable for the first year or 12 months from the date of commencement of the plan. SSO allows you to optimize returns in a volatile market. In this option, the allocated single premium and top-up premium, if any, at the inception of your policy is allocated to Liquid Fund. 1/xth of your fund value in the Liquid Fund is transferred from the Liquid Fund to the fund(s) of your choice at the start of each monthly anniversary, without any additional charge, where x is the number of months remaining till the next policy anniversary date. Since Liquid Funds invest in relatively safer financial instruments including bank fixed deposits, treasury bills, and other debt securities, it helps in tiding over market volatility

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Disclaimers:

^#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

1800-209-4040

Returns upto 26.7%*

Market-Linked Returns with Tax Benefits^$

Starting from ₹3000/ Month¹

Full Name

Date of Birth

Are you an NRI?

Yes No

Select Country

Australia
Austria
Belgium
Canada
Czech Republic
Denmark
England
Finland
France
Germany
Greece
Greenland (Denmark)
Holland
Hong Kong
Hungary
Iceland
Ireland
Italy
Japan
Kingdom of Bahrain
Kuwait
Luxembourg
Mauritius
Netherlands
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Northern Ireland (UK)
Norway
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Poland
Portugal
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Annual Income

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

^$,*,1T&C Apply

Gender

Male Female Others

Occupation

Education

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

^$,*,1T&C Apply

^$Tax benefits as per prevailing Section 10(10D) and Section 80C (under old tax regime) 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

¹Minimum premium mentioned is applicable for Bajaj Allianz Life Goal Assure IV - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L204V01) and is subject to policy terms and conditions.

*Benchmark: Nifty 500 Multicap Momentum Quality 50 Index past 5 CAGR Returns, as on 31st December 2024. 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: 116L207V01), Bajaj Allianz Life Goal Based Saving III - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN:116L206V01) and Bajaj Allianz Life Smart Wealth Goal V - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L201V01) 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. 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 500 Multicap Momentum Quality 50 Index Fund is available 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: 116L207V01), Bajaj Allianz Life Goal Based Saving III - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN:116L206V01) and Bajaj Allianz Life Smart Wealth Goal V - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L201V01)

In addition to the already existing funds, Nifty 500 Multicap Momentum Quality 50 Index Fund is now available with the above mentioned products. Customer has an option to choose from other available funds apart from Nifty 500 Multicap Momentum Quality 50 Index Fund.

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS / FRAUDULENT OFFERS

IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

CIN: U66010PN2001PLC015959 | Registered Office Address: Bajaj Allianz House, Airport Road, Yerawada, Pune-411006, Maharashtra

Email: customercare@bajajallianz.co.in | Tollfree: 1800 209 7272

Disclaimer: Images used on this website and the models photographed in them are for representative purposes only and are not indicative of anyone's personal thoughts or ideas.

The Logo of Bajaj Allianz Life Insurance Co. Ltd. is provided on the basis of license given by Bajaj Finserv Ltd. to use its “Bajaj” Logo and Allianz SE to use its “Allianz” logo.

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Disclaimer

For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale. The terms and conditions of product/plan as contained in the Policy Document issued by the Company is available on the Web Site. The names of the Company, Products/Plans/funds do not indicate the quality and its future prospects or returns. IN ULIPs, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. Unlike traditional products, Unit linked insurance products are subject to market risk, which affect the Net Asset Values & the customer shall be responsible for his/her decision. Tax benefits are as per the prevailing Income Tax Laws including the Income Tax Act, 1961 and are subject to change from time to time. Goods and Services Tax will have to be borne by the Policyholder as per applicable rates. All other charges shall be levied in accordance with the terms and conditions of the policy.

This calculation and results displayed are based on information provided and certain assumptions about the rates of return. It is for assistance only and does not constitute an offer or solicitation. It is not intended to be and must not alone be taken as the basis for an investment decision. Kindly note that the returns are only illustrative and they are not guaranteed. The returns do not indicate the upper or lower limits of the return that you may get with your policy and the value is dependent on a number of factors including future performance. Bajaj Allianz Life Insurance Company Limited shall not be in any way responsible for any loss or damage that may arise to any person from any inadvertent error in the information reported by the calculator.

¹©2021 Morningstar. All Rights Reserved. The Morningstar name and logo are registered marks of Morningstar, Inc. The information, data, analyses and opinions ("Information") contained herein: (1) include the proprietary information of Morningstar and its content providers; (2) may not be copied or redistributed except as specifically authorized; (3) do not constitute investment advice; (4) are provided solely for informational purposes; (5) are not warranted to be complete, accurate or timely; and (6) may be drawn from fund data published on various dates and procured from various sources. Morningstar, its affiliates, and its officers, directors and employees shall not be liable for any trading decision, damage or any other loss arising from using the Information. Please verify all of the Information before using it and do not make any investment decision, except upon the advice of a professional financial adviser. Past performance is no guarantee of future results. The value and income derived from investments may go down as well as up

Disclaimer

Claim Settlement Ratio of 99.29%^~

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Bajaj Allianz Life Fortune Gain II

Overview

Key Advantages

Eligibility

Downloads

How ULIPs Works

How this Works

Sample Illustration

Policy Benefits

Maximum Allocation

Multiple Fund Options

Loyalty Additions

Systematic Switching Option

Option To Take Maturity Benefit In Instalments

Entry Age

Minimum age is 01 year

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

Minimum & Maximum Sum Assured on Top up Premium

Minimum Top up sum assured

Maximum Top up Sum assured

Brochure

Policy Document

Customer Information Sheet

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

Maturity Benefit

Death Benefit

Maturity Benefit

Death Benefit

Loyalty Additions

Surrender Benefit

Why Bajaj Allianz Life Insurance ?

Customer Speaks

Frequently Asked Questions

What are the funds available under Investor Selectable Portfolio strategies?