• A financial solution that provides complete, comprehensive protection to you and your family.
• Option to choose life Insurance Benefit as:
  • Sum Assured or Fund Value, whichever is higher
  • Sum Assured PLUS Fund Value
• Flexible options like partial withdrawal, additional investments through top-up, switching between the investment funds and many more.

• Guaranteed additions which return more than all your allocation charges:
  • (a) Get sum of premium allocation charges = 100% of your first year premium in the 15th policy year
  • (b) Get 4% Simple Interest per annum on Premium Allocation Charges on 20th policy year = 76% of First Year Premium.
• Special additions of 3% of Average Policy Fund Value starting from 25th policy year and every 5th year thereafter
• Policy Fund Value on maturity of your policy

You have the option to invest across any of our 6 investment fund options, ranging from high end equity to short term debt to match all your requirements and risk appetite

You can avail of the tax benefits on the premiums paid (upto Rs. 100,000) under Section 80C of the Income Tax Act and the benefits received under section 10(10D), as per the prevailing tax laws of the Income Tax Act, 1961.

Bharti AXA Life Merit Plus EDGE gives you additional protection with the option to add any of the 4 protection enhancers by paying a nominal fee:

• Illness Benefit Rider:

  Incase you are diagnosed with any one of the six Critical Illnesses at any time during the term for which the rider is in force, you will receive a lump sum amount equal to the Critical Illness Benefit Sum Assured as opted for by you.

• Accidental Death and Disability Benefit Rider:

  In the event of an unfortunate death of the Insured due to an accident or in case of an accidental disability, the Sum Assured under the Rider will be paid to the Policyholder / Nominee.

• Term Rider:

  This option gives you the benefit of further enhancing your life insurance protection over and above the protection you get in the plan chosen by you.

• Waiver of Premium on Critical Illness Benefit Rider:

  This is a unique option where, in case of a diagnosis of any one of the six Critical Illness, all your future premiums will waived (funded by the company).

For further details on Riders, please refer the Rider brochure for information.