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

Bajaj Allianz Life Future Wealth Gain IV

A Unit- linked Non- Participating Individual Life Savings Insurance Plan

High Life Insurance Cover
Periodic Loyalty Additions#
Option to choose from multiple fund and investment strategy options
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  • Overview

  • Key Advantages

  • How this works

  • Eligibility

  • Downloads

  • Policy Benefits

  • Sample Illustration

  • Surrender

  • Loyalty Additions

  • Return of Mortality charge (ROMC)

To realize your families long term financial goals, you need to carefully plan keeping in mind that it should not only provide the dual advantage of Protection and Growth, it should also allow the flexibility of saving in a range of options, give you the benefit of market upsides for staying invested even during periods of uncertainty and ultimately ensure that your family achieves all the financial goals you have planned for them.

Presenting Bajaj Allianz Life Future Wealth Gain IV, is a non-participating, life, individual, Unit-Linked regular/limited premium payment plan.

Bajaj Allianz Life Future Wealth Gain IV plan offers the dual benefit of protection and growth to fulfil the dreams of your loved ones.

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Return of Mortality Charges

At the end of the Policy term (i.e on the maturity date) or end of 15th policy year whichever is later, the total amount of Mortality charges deducted in respect of Life cover provided throughout the Policy term, will be added back as ROMC, to the Regular Premium Fund Value.

Loyalty additions

Loyalty Additions will be added to the Regular Premium Fund Value, as a percentage of the average of the daily regular premium fund values during previous 3 years (including current year) at the end of every 5 policy year starting from the 15th policy year, provided all due regular premiums have been paid up to date.

Maturity Benefits

Under both variants, on maturity, the fund value will be payable 

Rider benefits

Future Wealth Gain IV offer an option to select 'Bajaj Allianz Life Linked Accident Protection Rider II' (UIN: 116A057V01)

Two portfolio strategies

Investor Selectable Portfolio Strategy enables you to choose from different funds offered under the product. Under the Wheel of Life Portfolio Strategy, your investment in different funds is done basis years to maturity based strategy. You have the option to change between these strategies in keeping with your evolving life stages, risk appetite or needs.

Avail Family Benefit:

Get an additional benefit at Maturity, if any of your family member(s)^ is an existing customer of Bajaj Allianz Life Insurance Co. Ltd.

^Family member shall be defined as spouse, children, brothers, sisters, grandchildren, parents, parents in-laws; and will be available to family members of existing customers including who have matured policies.

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Choose the Premium you want to pay

Choose the sum assured multiplier to decide your life cover1

Choose your policy term and premium payment term

Choose the premium payment frequency

Choose between the two portfolio strategies

Choose the riders

Note

1Applicable as per the minimum/maximum sum assured criteria. Please refer to the Eligibility Parameters

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Entry Age

Minimum Age at Entry 

 0 years

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 at Entry

For Premium Payment Term 5 and Policy Term 10:

Annualized Premium < 5 Lakhs: 54 Years

Annualized Premium >= 5 Lakhs: 59 Years

For All Other Premium Payment term and Policy term combinations: 60 Years

Maturity Age

Minimum age at maturity

18 years

Maximum age at maturity

75 years

Policy Term

Policy Term (in yrs)

Premium Payment Term (in yrs)

10

5, 7, 10

15 to 25

5, 7, 10, 15

Premium Payment Frequency

Yearly, Half-yearly, Quarterly and Monthly

Quarterly & Monthly premium payment frequency will be available under salary deduction scheme & ECS

Premium

Minimum

Maximum

Annual Premium ₹ 50,000

As per Board approved underwriting policy

Half Yearly Premium ₹ 30,000

Quarterly Premium ₹ 15,000

Monthly Premium ₹ 5,000

Minimum Top up premium is ₹ 5,000

Minimum Sum Assured

Age at entry less than 50 years: 7 times Annualized Premium
Age at entry 50 years and above: 5 times Annualized Premium

Maximum Sum Assured

Age

Multiplier

0 – 25 years

40

26 – 35 years

30

36 – 40 years

20

41 – 44 years

15

45 years & Above

10

Minimum/ Maximum Top up Sum Assured

Minimum Top Up Sum Assured

Age at entry less than 50 years: 1.25 times Top Up Premium

Age at entry 50 years and above: 1.10 times Top Up Premium

Maximum Top Up Sum Assured

1.25 times of Top up premium

- Age calculated is age as at the last birthday
- Maximum Sum Assured will be subject to prevailing Board Approved Underwriting Policy(BAUP) of the company.
- Maximum premium in a policy will be as per prevailing Board Approved Underwriting Policy (BAUP)

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Brochure

Download

Policy Document

Download

Customer Information Sheet

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Maturity Benefit

Fund Value will be payable on the survival of the life assured to the maturity date,provided the policy is in force.

Death Benefit

If all due premiums are paid, then, in case of unfortunate death of the life assured during the policy term, the death benefit payable will be,higher of:

  • Higher of Prevailing Sum Assured2 or Regular Premium Fund Value

  • plus

  • Higher of (Top up Sum Assured,or Top up Premium Fund Value)

     

The death benefit is subject to the Guaranteed Death Benefit of 105% of the total premiums paid,till the date of death. If the rider Waiver of Premium (WOP) has been taken under the policy and the WOP benefit has already been triggered under the policy, then, on termination of policy the present value of future WOP installments, discounted at 4% p.a., shall be payable.

The policy will terminate on the date of intimation of death of the life assured. All the above is paid as on date of receipt of intimation of death at the Insurance Company's office.

2Sum Assured shall be reduced to the extent of the partial withdrawals (non-systematic and systematic) made from the regular premium fund value during the two (2) year period immediately preceding the death of the life assured.Any partial withdrawal made from the Top up Premium Fund shall not be deducted for this purpose.

Additional Rider Benefits

Bajaj Allianz Life Linked Accident Protection Rider II (UIN: 116A057V01)

Please refer to respective rider sales literature or visit the Insurance Company's website or consult your 'Insurance Consultant' for more details and eligibility conditions

Family Benefit

If any of your family member is an existing policyholder of Bajaj Allianz Life Insurance Company Limited, you will be entitled to a family benefit.

The benefit will be added into the regular premium fund value as a percentage of the average of your previous three years daily regular premium fund value

The percentage of family benefit will depend upon the policy term opted by you:

Policy Term

% age family benefit

<20 years

0.5%

>=20 years

1%

There will not be any family benefit for Top-up premiums paid.

The amount of Family Benefit will be allocated in the funds in the same proportion of the fund values as at the date of addition.Unit Prices as on the date of Family Benefit addition will be used for the unitization

No Family Benefit will be available on the discontinuance or paid-up of the policy

Family Member shall mean spouse, children, brothers, sisters, grandchildren, parents, parents in-laws; and will beavailable to family members of existing customers including who have matured policies

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  • Maturity Benefit

  • Death Benefit

Anuj has taken a Bajaj Allianz Life Future Wealth Gain IV policy, for which he is paying a regular premium of ₹ 1,00,000 p.a. for a Policy Term of 15 years. He has chosen the Sum Assured as 10 times of his annual premium, i.e. ₹. 10,00,000. The total premium paid by Anuj will be ₹ 15,00,000. Let’s see the benefits available under the variant.

Anuj, 30 years old

On the maturity date, Anuj's maturity benefit, based on the assumed investment returns, are as per the table given below

At Assumed return*

Maturity Benefit (Fund Value)

of 8%

₹ 23,96,552##

of 4%

₹ 17,27,808##

##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 amount indicated is a non-guaranteed illustrative figure and is subject to policy terms and conditions.

*This illustration is considering investment in "Pure Stock fund II" and Goods & Service tax of 18%.

 

Anuj has taken a Bajaj Allianz Life Future Wealth Gain IV policy, for which he is paying a regular premium of ₹ 1,00,000 p.a. for a Policy Term of 15 years. He has chosen the Sum Assured as 10 times of his annual premium, i.e. ₹. 10,00,000. The total premium paid by Anuj will be ₹ 15,00,000. Let’s see the benefits available under the variant.

Anuj, 30 years old

In case of Anuj's unfortunate death in the 12th policy year, the death benefit, based on the assumed investment returns, are as per the table given below

At Assumed return*

Death Benefit

of 8%

₹ 16,96,531##

of 4%

₹ 13,04,481##

The death benefit is subject to the guaranteed benefit, which is 105% of the total premiums paid, till the date of death.

##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 amount indicated is a non-guaranteed illustrative figure and is subject to policy terms and conditions.

*This illustration is considering investment in "Pure Stock fund II" and Goods and Service Tax of 18%.

You have the option to surrender your policy at any time.



  • On surrender during the lock-in period, the Regular 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 Insurance Company), and the risk cover under the policy shall cease.You will not have the option to revive such a surrendered policy. The discontinuance/surrender charge will be applicable only to the Regular Premium Fund Value. The discontinuance value as at the end of the lock-in period will be paid to you as surrender benefit


  • On surrender after the lock-in period,the surrender benefit available will be the Fund Value, as on the date of surrender and will be paid immediately.


  • if Waiver of Premium (WOP) rider is opted and it has already been triggered under the policy, then, on termination of policy,the present value of future waiver of premium installments,discounted at 4% p.a., shall be paid.

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

Loyalty Additions will be added to the Regular Premium Fund Value, as a percentage of the average of the daily regular premium fund values during previous 3 years (including current year) at the end of every 5 policy year starting from the 15th policy year, provided all due regular premiums have been paid up to date.

The Loyalty Additions are as below:

Annualized Premium

Percentage

Premium < 2.4 Lakh

1 % 

2.4 Lakh <= Premium < 5 Lakh

1 % 

Premium >= 5Lakh

1 % 

1) Amount of Loyalty Additions will be allocated in funds in the same proportion of the Regular premium Fund Value as at the date of addition. Unit Prices as on the date of Loyalty addition will be used for the unitisation.

2) There will not be any Loyalty Additions for Top-up premium paid.

3) Loyalty Additions will not be paid for a Discontinued / Paid-up policy

At the end of the Policy term (i.e on the maturity date) or end of 15th policy year whichever is later, the total amount of Mortality charges deducted in respect of Life cover provided throughout the Policy term, will be added back as ROMC, to the Regular Premium Fund Value. ROMC is not applicable in case of a Surrendered, Discontinued or Paid-up Policy and will be payable provided all due Regular Premiums under the Policy have been paid up to date.

1) Amount of Mortality charge will be allocated to the Fund(s) in the same proportion of the Fund Value as on the maturity date. Unit Price as on the date of ROMC addition will be used for the unitisation.

2) ROMC will be excluding any extra Mortality charge & or Goods & Service Tax/any other applicable tax levied on the Mortality charge deducted, subject to changes in tax laws.

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

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Frequently Asked Questions

<h2 class="h2">What is Income Benefit? </h2>

Income Benefit is an additional benefit that is payable in case of death or diagnosis of cancer of the life assured during the premium payment term. This benefit is available only to the policyholders of Wealth Plus Care variant and is payable if the policy is in force, excluding paid-ups.

The Income Benefit is the sum of all the regular premiums due under the policy after the date of death or diagnosis of cancer, as applicable. Each instalment of the Income Benefit is equal to one regular premium, and is paid on each premium due date for the remaining period of the premium payment term.

However, in case of death of the life assured after the claim has been paid for cancer and Income Benefit is triggered, no additional benefits are payable on death. All outstanding Income Benefits (if any) will be paid to the nominee in such a scenario. 

<h2 class="h2">Please explain how does Death / Accelerated Cancer Benefit available in Wealth Plus Care Variant operate? </h2>

The Death or Accelerated Cancer Benefit is payable in case of death or the first diagnosis of cancer of the life assured (subject to a waiting period of 180 days). In case such an event happens before the maturity date, the Death / Accelerated Cancer Benefit is payable to the nominee as a lump sum. It includes the higher of the sum assured or regular premium fund value, plus the higher of top-up premium sum assured or top-up premium fund value, if any, and Income Benefit, if the death or the diagnosis of cancer happens during the premium payment term.

In case the life assured passes away or is diagnosed with cancer after the premium payment term, the Death / Accelerated Cancer Benefit includes the higher of the sum assured or regular premium fund value and the higher of top-up premium sum assured or top-up premium fund value, if any. 

<h2 class="h2">When can one get the benefit of Loyalty Additions/ Fund Boosters under this plan? </h2>

One can enjoy the benefits of Loyalty Additions and Fund Boosters added to the Regular Premium Fund Value, if the policy is in force and all premiums have been paid up to date and provided the policy or the risk cover under the policy has not been terminated 

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Disclaimers:
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#Loyalty addition: loyalty addition will be allocated at the end of 5th policy year starting from 15th policy year onwards.

~~All figures as on 31 January 2025

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) 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.

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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, 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

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Disclaimer

*Not available if policy issued after 14th July 2025.

 

^Benchmark: Nifty 500 Multifactor MQVLv 50 Index past 5 CAGR Returns, as on 30th May 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: 116L201V03) 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 Multifactor 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: 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: 116L201V03)

 

In addition to the already existing funds, Nifty 500 Multifactor 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 Multifactor 50 Index Fund

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New Fund Launched!

26.8% CAGR Returns^

Avail @₹10 NAV*

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Bajaj Allianz Life Insurance Co. Ltd. All Rights Reserved. | IRDAI Reg. No. 116 | An ISO 9001:2015 and ISO 27001:2013 Certified IT Department
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Sales: 1800-209-4040 (Toll Free) | Service: 1800-209-7272 (Toll free)

Email: customercare@bajajallianz.co.in

Registered Office Address

Bajaj Allianz House, Airport Road, 

Yerwada, Pune, Maharashtra - 411006

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© Bajaj Allianz Life Insurance Co. Ltd. All Rights Reserved. | IRDAI Reg. No. 116 | An ISO 9001:2015 and ISO 27001:2013 Certified IT Department

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

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