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I hereby authorize Bajaj Allianz Life Insurance Co. Ltd. to contact me. It will override my registry on the NCPR.
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 or SMS 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

In this policy, the investment risk in investment portfolio is borne by the policy holder


 
 
  • Risk Xplorer
  • Returns Calculator
  • Fund Performance
1

Calculate your Risk Appetite

2

Add and Allocate the Funds

3

Percentage Allocation

Calculate your risk appetite by answering simple questions


What returns do you expect to achieve from your investments?

How familiar are you with financial markets?

Which of the following best describes your preference when considering returns from investments?

Your investment advisor informs you that your portfolio has decreased in value by 20% after 6 months, due to stock market performance. How would you react?

If you didn't need your capital for more than 10 years, for how long would you be prepared to see your investment performing poorly before you cashed it in?

Which of the following are you currently investing in/ plan to invest in? (Kindly select one option only)

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  • Age:
  • yrs
  • yrs
  •  
Current Fund Options
Absolute return (in %)
CAGR return (in %) as on 17th Jan 2018
Fund Type
3 Month (%) 6 Month (%) 1 Year (%) 2 Year (%) 3 Year (%) 5 Year (%) 10 Year (%) Since Inception (%) Inception Date

Disclaimer: Returns are compounded annualised growth rate (CAGR) as on 17/01/2018. Past performance is not indicative of future performance. 1Rating as per Morningstar
2Since this is a new fund, the rating and 5 year returns are not available.

  • Testimonials
  • Am I eligible?
  • FAQs
  • Glossary

What are people saying about us?

Am I eligible?

Entry Age

01 Minimum

60 Maximum

Maturity Age

18 Minimum

70 Maximum

Minimum Policy Term

10 Years

Maximum Policy Term

The Policy term will be as follows

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

Premium Payment Term

5 to 30 years

Minimum Premium

Frequency Yearly Half-Yearly Quarterly Monthly* Top-up
Premium (in Rs.) 25,000 12,500 6,500 2,500 5000

*Monthly premium payment frequency will be available under salary deduction schemes & ECS.

Maximum Premium

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

*Monthly premium payment frequency will be available under salary deduction schemes & ECS.

Premium Payment Frequency

Yearly, Half Yearly, Quarterly and Monthly

Minimum Sum Assured

Age Higher of
Less than 45 years 10 times Annualized Premium 0.5 *policy term *Annualized Premium
Greater than or equal to 45 years 7 times Annualized Premium 0.25 *policy term *Annualized Premium

For example, for an age less than 45 years and policy term of

  1. 15 years the minimum sum assured available will be 10 times Annualized Premium
  2. 22 years the minimum sum assured available will be 11 times of Annualized Premium i.e, (0.5*22*Annualized Premium)

Maximum Sum Assured

X*Annualized Premium, where X is based on age at entry and policy term as mentioned below

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

Maximum & Minimum Sum Assured on Top up Premium

Age Top Up Sum Assured Multiplier
Less than 45 years 1.25 times
Greater than or equal to 45 years 1.1 times

Age calculated is age at the last birthday


For more details on the risk factors , terms and conditions, please read sales brochure before concluding a sale.

  • Why should I invest in a ULIP plan over other investment plans?
  • How to select the best ULIP plan?

There are other investment opportunities available to you in today's day and age, however, a ULIP plan is always one of your best options and here are 3 reasons why:

Return on ULIP investments as per risk appetite

ULIPs provide you return on investment as per your risk appetite. You can opt for high-risk, high-return funds or safer, conservative funds, depending on your needs and requirements. You can even switch between them as and when you like.

Life cover in ULIP Plans

While other instruments offer you an opportunity to grow your money for your future goals, a ULIP plan ensures that your valuable money is fully utilized towards attaining your future financial goals while also giving you peace of mind by protecting the future of your loved ones.

ULIP Tax benefits

Premiums paid towards ULIPs are eligible for tax benefits under Section 80C of the Income Tax Act. Also, Maturity benefit, Death benefit and Surrender value are eligible for tax benefits under Section 10(10D) of the Income Tax Act, subject to the provision stated therein.

There are number of ULIP plans available in the market. This abundance of choice can prove to be quite confusing for customers. However, there are a few things you can keep in mind that will make choosing a plan slightly easier.

Firstly; look at the charges

Compare the charges of all the ULIP plans before you finalize. This will allow you to go for the plan that has lower charges thus giving your more money to invest and higher returns at the end of the tenure.

Fund variety

The more fund options ULIP plans have to offer, the higher the chances are that you will find a fund option that suits your needs. Bajaj Allianz Future Gain is a ULIP plan that offers you a choice of 7 different fund options, enabling you to choose where you want to invest your money.

Flexibility

Another key feature to look for in ULIP plans is flexibility. This allows you to mend your plan as per your needs. For example, look for a plan that provides you more free switches, partial withdrawals, top-ups, etc. Some plans, like Future Gain from Bajaj Allianz Life Insurance, also allow you to increase or decrease your Sum Assured.

Premium payment options

You should look for ULIP plans that allow you to pay premiums as per your convenience. Some plans offer monthly, quarterly, half-yearly and yearly premium payment options.

Sr.No Term Definition
1 Regular Premium The amount payable by the policyholder at regular intervals during the Premium Paying Term, and at the Premium Payment Frequency
2 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
3 Top Up Premium The amount of additional premium paid over and above the Regular/ Limited Premium payable under this Policy
4 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
Note: Please read the gloassary in conjunction with the respective Sales Brochure

Disclaimer: 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) under either Fully or Partially Blocked category, any call made or SMS 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.

Disclaimer: Insurance is the subject of the solicitation. For more details about risk factors, terms and conditions, please read the sales brochure carefully before concluding the sale. The terms and conditions of product/plan as contained in the Policy Document issued by the Company is available on the Web Site. Please note that the name of the Bajaj Allianz product/plan does not indicate the quality of the insurance contract and its future prospects or returns. Investment in ULIPs is subject to market risks associated with capital markets. IN ULIPs, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. 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 Service 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.

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