ULIP Policy to Fulfil Your Life Goals | Future Gain

Premium Paying Term (In Years)	Policy term(In Years)
5 or 6	10, 15 to 20
Other PPTs	10, 15 to 30

Frequency	Premium (in `)
Yearly	25,000
Half-Yearly	13,500
Quarterly	7,000
Monthly*	2,500
Top-up	5,000

Frequency	Premium (in `)
Yearly	12,00,000
Half-Yearly	6,00,000
Quarterly	3,00,000
Monthly	1,00,000

Age	Higher of
Less than 45 years	10 times Annualized Premium
Greater than or equal to 45 years	7 times Annualized Premium

Policy Term / Age at entry	1-35	36-40	41-44	45-50	51 & above
10 & 15	15	15	10	10	7
16-20	15	15	10	7	7
21-25	15	12.5	10	7	NA
26-30	15	12.5	10	NA	NA

Top Up Sum Assured Multiplier
1.25 times

How do ULIPs work?

Unit linked Investment plans are packed with the dual powers of Investment and Insurance.
Your ULIP's premium is split between genrating returns and providing protection.

Step 1

Select a ULIP

Step 2

Pay the premium

Step 3

Premium allocation charge levied

Step 4

Net investable premium

Step 5

Your money is invested in fund choosen by you

Step 6

Returns accured in the policy fund value

Other charges applicable are mortality charges, fund management charges and policy admin charges

Six Reasons to invest in Bajaj Allianz Life Future Gain

Easy Diversification

Debt to Equity Fund asset allocation tailored to your goals

Rupee cost averaging

Takes care of volatility, you don't need to time markets

Long-term flexibility

You have the flexibility to pay additional premium through top-ups. You can partially withdraw from the fund value for emergencies

We offer a choice of products

ULIPs offer a range of products for
1. Wealth creation 2. Capital protection

Transparent investments

Daily NAV disclosure
Regular Portfolio disclosure

Tax Benefits

You are eligible to get tax rebates u/s 80C up to an investment of ` 1.5 lacs & all payouts received are exempt u/s 10(10D) of the Income Tax Act, 1961 respectively.

At Assumed Investment Return^*	Maturity Benefit (in ₹)
@8%	`24,98,392
@4%	`13,72,110

At Assumed Investment Return^*

Maturity Benefit
(in ₹)

@8%

`24,98,392

@4%

`13,72,110

At Assumed Investment Return^*	Death Benefit (in ₹)
@8%	`10,91,693
@4%	`8,02,413

At Assumed Investment Return^*

Death Benefit
(in ₹)

@8%

`10,91,693

@4%

`8,02,413

Sr. No.	Riders	UIN
1.	Bajaj Allianz ULIP Accidental Death Benefit Rider	UIN: 116A013V02
2.	Bajaj Allianz ULIP Accidental Permanent Total/ Partial Disability Benefit Rider	UIN: 116A014V02
3.	Bajaj Allianz ULIP Critical Illness Benefit Rider	UIN: 116A032V02
4.	Bajaj Allianz ULIP Family Income Benefit Rider	UIN: 116A033V02
5.	Bajaj Allianz ULIP Waiver of Premium Benefit Rider	UIN: 116A030V02

Sr. No.

Riders

UIN

Bajaj Allianz ULIP Accidental Death Benefit Rider

UIN: 116A013V02

Bajaj Allianz ULIP Accidental Permanent Total/ Partial Disability Benefit Rider

UIN: 116A014V02

Bajaj Allianz ULIP Critical Illness Benefit Rider

UIN: 116A032V02

Bajaj Allianz ULIP Family Income Benefit Rider

UIN: 116A033V02

Bajaj Allianz ULIP Waiver of Premium Benefit Rider

UIN: 116A030V02

ULIP Funds - Understand The Fund Switching Option

ULIP Tax Benefits - Know 3 Ways In Which ULIPs Help You Save Tax

ULIP Funds Switching - Know How It Works

Why Return of Mortality Charge (RoMC) is a Revolutionary Idea

⭐ What is the difference between Investor Selectable portfolio strategy and Wheel of Life portfolio strategy?

Bajaj Allianz Future Gain comes with two distinct portfolio strategies to enable you to meet your goals. In the Investor Selectable portfolio strategy, you can choose from the seven funds keeping in mind your risk appetite and investment needs. These funds include Equity Growth Fund II, Accelerator Mid-Cap Fund II, Pure Stock Fund, Asset Allocation Fund II, Bluechip Equity Fund, Bond Fund and Liquid Fund.

Wheel of life ensures that a balance is maintained between your ‘years to maturity’ and level of risk on your investments, in a nutshell higher the age lower is the risk exposure.

⭐ Is it possible to move from Investor Selectable portfolio strategy to Wheel of Life portfolio strategy and vice-versa?

Yes, you can change from Investor Selectable portfolio strategy to Wheel of Life portfolio strategy and vice versa at any policy anniversary by giving a 30 days’ prior written notice to the company.

⭐ How many partial withdrawals are allowed in a year? What is the minimum and maximum amount of partial withdrawal allowed?

You can avail the facility of partial withdrawals after the end of fifth policy year. A maximum of two partial withdrawals is allowed in one policy year and the gap between any two partial withdrawals needs to be a minimum three months. Besides, the total amount withdrawn throughout the policy term must not exceed 50% of the total premiums paid, including top-up premium, if any.

The minimum amount of partial withdrawal is ₹ 5,000 and the maximum amount of partial withdrawal at any one time is 10% of the total premium paid, including top-up premium, as on the withdrawal request date.

Life Insurance Glossary

Discontinuance Charges

These charges are deducted from the policyholder's account/fund if the life insurance policy is surrendered by the policyholder. This is also called as the Surrender Charge

Fund Value

It is the total value of units that a policyholder holds in funds. Fund Value = Number of Units x Net Asset Value

Fund Management Charges

These are charges deducted towards meeting expenses related to fund management. These are charged as a percentage of the Fund Value and deducted before calculating the Net Asset Value (NAV) of the fund.

Fund Switch

Switching between funds is allowed under the Investor Selectable Portfolio Strategy. Policyholders can opt for this Portfolio Strategy at the commencement of the policy or can switch to this Portfolio Strategy at any subsequent policy anniversary. You have the flexibility to switch units between your investment funds according to your risk appetite and investment decisions, by giving written notice to the Company. Fund as on that date will be switched to the other Fund/s, as specified by the Policyholder. You can make unlimited free switches during the policy term.

In - force

In-force Policies are valid/active policies for which the full premiums as on date are paid.

Lapse

The termination of an insurance policy due to non-payment of premium.

Mortality Charges

Depending upon the age and the amount of cover, the charges levied towards providing life insurance cover to the insured are called as Mortality Charges

Policy Administration Charges

These are the charges deducted on a monthly basis to recover the expenses of maintaining the policy including record keeping, paper work, services, etc.

Premium Allocation Charges

These charges are deducted upfront from the premium paid by the policyholder as a percentage of premium. These charges account for the initial expenses incurred by the company in issuing the policy, e.g., cost of underwriting, medicals and expenses related to distributor fees. After these charges are deducted, the money gets invested in the chosen fund.

Regular Premium

The amount payable by the policyholder at regular intervals during the Premium Paying Term, and at the Premium Payment Frequency

Regular Premium Fund Value

The total number of Units pertaining to the Regular/ Limited Premium existing in each Fund under this Policy, multiplied by their respective Unit Price on the relevant date

Reinstatement

To restore the policy after the life insurance policy has lapsed.

Revival Period

As long as the policyholder pays premium on time, the policy remains in force. The policy lapses when premiums are not paid even after the completion of the grace period. Thereafter, the Life Insurance Company provides an option to the policyholder wherein he/she can make the policy in force only during a specific period after the grace period. The process is called Revival of the Life Insurance Policy or Policy Revival and the period is called Revival Period.

Rider Sum Assured

"Rider Sum Assured" means the sum assured as mentioned in the Schedule. For more details, please refer respective rider sales literature.

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. For more details, please refer respective rider sales literature.

Rider Premium Charge

"Rider Premium Charge" means the charge deducted to provide the Rider benefit. For more details, please refer respective rider sales literature.

Rider Term

"Rider Term" means the period between the Date of Commencement of Rider and the Rider Maturity Date, as mentioned in the schedule. For more details, please refer respective rider sales literature.

Surrender Value

A value payable if you want to surrender the plan before a claim arises.

Settlement Option

In Unit Linked Polices, instead of taking a lump sum amount at maturity, some plans provide policyholders with the option to receive the Maturity Benefits as a structured payout (periodic instalments) over a period ofÂ 5 years after maturity. This is known as the Settlement Option.

Top Up Premium

The amount of additional premium paid over and above the Regular/ Limited Premium payable under this Policy

Top Up Premium Fund Value

The number of Units pertaining to Top Up Premium under a policy, multiplied by the respective Unit Price on the relevant valuation date

Unit Price

Market value of investment held by the fund plus value of current assets less value of current liabilities and provisions, if any, divided by number of units existing on Valuation Date. This calculation will be done before creation / redemption of units.

Life Insurance for Life Goals Zp

A traditional life insurance plan only protects your family against the financial dangers posed by unforeseen death. But life insurance can be much more than a simple shield against financial hardship.

We all have some financial goals that we would like to reach in our lifetimes. These include buying a house, owning a car, getting our children settled, and having a comfortable retirement. Plans that combine the protection of life insurance with the growth of investment can help you reach all these goals, so that none of your dreams remain unfulfilled.

Life Insurance for Life Goals

Have us
call you

Please enter a Name

Please enter a Mobile No.

I agree and consent to the

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

Terms & Conditions and the Privacy Policy

Please select a option

#1Top Riser Brand Amongst ‘Top 75' most valuable Indian Brands 2022¹
One of the most Trusted Brand²
Claims Settlement Ratio 99.02%^~
1 Day Claim Approval⁷
Solvency ratio of 581%^
AAA; Stable Rating by CARE^$
Claim deposits via electronic transfer to make process faster
` 85,623 Crore Total Assets Under Management (AUM)^**
2.87 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 2021-2022

**All figures as on 31 March 2022

^Solvency ratio 581% as at 31 March 2022 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

⁷95.49% of non-investigative individual claims approved in one working day for FY 2021-22. 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!
1	For Callback for service related queries	SUPPORT<space>POLICY NO	8108222251
2	For Callback for renewal premium payment related queries (From Registered Mobile Number)	RENEW<space>POLICY NO
3	For Branch Address	BRANCH<space>PIN CODE
4	For Callback for Reinvestment related queries (From Registered Mobile Number)	REINVESTMAT<space>POLICY NO
5	For Fund Value of Policy (From Registered Mobile Number)	FV<space>POLICY NO
6	For Account Statement (From Registered Mobile Number)	ACCSTMT<space>POLICY NO
7	To Update Email Address (From Registered Mobile Number)	EREG<space>Unique ID*<space>DOB of policyholder in DDMMYYYY<space>email id
8	For Callback for queries related to fund switching	FSWITCH<space>POLICY NO
9	For IT Certificate (From Registered Mobile Number)	TAXCERT<space>POLICY NO
10	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*<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!
1	For Callback for service related queries	SUPPORT<space>POLICY NO	8108222251
2	For Callback for renewal premium payment related queries (From Registered Mobile Number)	RENEW<space>POLICY NO
3	For Branch Address	BRANCH<space>PIN CODE
4	For Callback for Reinvestment related queries (From Registered Mobile Number)	REINVESTMAT<space>POLICY NO
5	For Fund Value of Policy (From Registered Mobile Number)	FV<space>POLICY NO
6	For Account Statement (From Registered Mobile Number)	ACCSTMT<space>POLICY NO
7	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
8	For Callback for queries related to fund switching	FSWITCH<space>POLICY NO
9	For IT Certificate (From Registered Mobile Number)	TAXCERT<space>POLICY NO
10	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)
AUSTRALIA	80037371371
CANADA
HONG KONG
ISRAEL
MALAYSIA
NEW ZEALAND
PHILIPPINES
SINGAPORE
THAILAND
UNITED KINGDOM
BRUNEI	8014605
INDONESIA	0018030160202
JORDAN	080023194
OMAN	80074363
TURKEY	00800142030059
VIETNAM	1800400070
UNITED STATES	18339680951
Calling us from INDIA	18002097272
Rest of the World	+912067871700 (Call charges apply)

Bajaj Allianz Future Gain - A Unit-Linked Endowment Insurance Plan

Maximum premium allocation

Two investment strategies

Option of Ten funds

Partial withdrawal of funds

Alter premium payment frequency

Death/Maturity Benefits in instalments

Option of riders

Entry Age

Minimum age is 1 year

Maximum age is 60 years

Maturity Age

Minimum age at maturity 18 years

Maximum age at maturity 70 years

Minimum Policy Term

10 years

Maximum Policy Term

Premium Payment Term

5 to 30 years

Minimum Premium (Modal Premium)

Maximum Premium

Premium Payment Frequency

Yearly, Half Yearly, Quarterly and Monthly

Minimum Sum Assured

Maximum Sum Assured

Maximum & Minimum Sum Assured on Top up Premium

Brochure

Policy Document