Bharti AXA Life Aajeevan Sampatti+

*Through auto pay only

1) Maturity Benefit: Sum Assured on Maturity is paid if the Life Insured survives till the maturity of the Policy and the policy is in force.

2) Guaranteed Annual Payouts: This plan assures guaranteed annual payouts until Maturity (except in the policy year coinciding with maturity). Once you complete the 10th Policy year, you will start receiving an annual payout until maturity or death of Life Insured, whichever is earlier, subject to policy being in force. The Guaranteed Annual Payout percentage depends on the Policy term option chosen and is mentioned below.

Policy Term	Guaranteed Annual Payout Percentage
To age 100	5.5% of Sum Assured on Maturity
To age 85	6% of Sum Assured on Maturity

3) Cash Bonuses: This Policy also offers Non-guaranteed cash bonuses subject to the policy being inforce. The Policy participates in the performance of the participating insurance fund and surplus is distributed as bonus. This Non-guaranteed benefit (as percentage of Sum Assured on Maturity) is paid out as a cash bonus every year starting from the 6th Policy year, until maturity or death, whichever is earlier. No bonuses shall be payable in the first 5 policy years.

4) Death Benefit: Your coverage under the Policy will continue until you reach the age of 100 or 85 years as per the Policy term selected. In case of unfortunate event of loss of life of Life insured (applicable even in case of minor lives), subject to the policy being inforce the Sum Assured payable on death will be higher of:

• Sum Assured on Maturity OR
• 11 times Annualised Premium

5) Tax Benefits: You may be eligible for tax benefits on the premiums paid as well as the benefits received as per the prevailing tax laws. The tax benefits are subject to change as per change in tax laws from time to time.

Here are the age wise premium rates

For Sum Assured 50,000 to < 4,00,000

Age	7 Pay	10 Pay	15 Pay
0	305.06	216.02	138.69
1	305.06	216.02	138.69
2	305.06	216.02	138.69
3	305.06	216.02	138.69
4	305.06	216.02	138.69
5	305.06	216.02	138.69
6	305.06	216.02	138.69
7	305.06	216.02	138.69
8	305.06	216.02	138.69
9	305.07	216.34	138.79
10	305.26	216.51	138.88
11	305.79	216.63	138.96
12	306.21	216.76	139.03
13	306.72	216.88	139.10
14	307.29	216.99	139.16
15	307.88	217.14	139.22
16	308.44	217.25	139.29
17	309.09	217.37	139.36
18	309.66	217.51	139.43
19	310.32	217.62	139.48
20	310.94	217.74	139.56
21	311.55	217.88	139.62
22	312.28	218.00	139.70
23	313.02	218.12	139.77
24	313.83	218.23	139.82
25	314.66	218.37	139.88
26	315.85	218.49	139.97
27	316.94	218.62	140.02
28	318.16	218.75	140.11
29	319.51	218.86	140.16
30	320.93	219.00	140.23
31	322.66	219.11	140.31
32	324.68	219.24	140.37
33	326.74	219.37	140.45
34	329.07	219.49	140.50
35	331.46	219.61	140.57
36	332.88	220.45	141.24
37	334.18	221.07	141.95
38	336.81	222.92	143.00
39	338.75	223.90	144.02
40	341.04	224.78	145.40
41	343.55	225.92	146.80
42	345.98	227.48	147.86
43	349.06	229.90	148.92
44	351.46	231.12	150.18
45	354.48	233.11	151.47
46	357.66	235.35	152.73
47	360.94	237.62	154.06
48	363.13	239.93	155.37
49	364.81	241.21	156.67
50	367.19	243.55	157.93
51	370.74	245.02	159.37
52	371.49	247.52	160.94
53	372.25	249.06	161.55
54	373	251.62	163.00
55	373.76	253.19	165.48
56	374.52	255.78	167.97
57	375.27	257.43	169.42
58	376.03	259.07	171.88
59	376.78	261.98	173.31
60	377.54	264.58	175.50

For Sum Assured : 4,00,000 & above

Age	7 Pay	10 Pay	15 Pay
0	298.96	211.70	135.92
1	298.96	211.70	135.92
2	298.96	211.70	135.92
3	298.96	211.70	135.92
4	298.96	211.70	135.92
5	298.96	211.70	135.92
6	298.96	211.70	135.92
7	298.96	211.70	135.92
8	298.96	211.70	135.92
9	298.97	212.01	136.01
10	299.15	212.18	136.10
11	299.67	212.30	136.18
12	300.09	212.42	136.25
13	300.59	212.54	136.32
14	301.14	212.65	136.38
15	301.72	212.80	136.44
16	302.27	212.91	136.50
17	302.91	213.02	136.57
18	303.47	213.16	136.64
19	304.11	213.27	136.69
20	304.72	213.39	136.77
21	305.32	213.52	136.83
22	306.03	213.64	136.91
23	306.76	213.76	136.97
24	307.55	213.87	137.02
25	308.37	214.00	137.08
26	309.53	214.12	137.17
27	310.6	214.25	137.22
28	311.8	214.38	137.31
29	313.12	214.48	137.36
30	314.51	214.62	137.43
31	316.21	214.73	137.50
32	318.19	214.86	137.56
33	320.21	214.98	137.64
34	322.49	215.10	137.69
35	324.83	215.22	137.76
36	326.22	216.04	138.42
37	327.5	216.65	139.11
38	330.07	218.46	140.14
39	331.98	219.42	141.14
40	334.22	220.28	142.49
41	336.68	221.40	143.86
42	339.06	222.93	144.90
43	342.08	225.30	145.94
44	344.43	226.50	147.18
45	347.39	228.45	148.44
46	350.51	230.64	149.68
47	353.72	232.87	150.98
48	355.87	235.13	152.26
49	357.51	236.39	153.54
50	359.85	238.68	154.77
51	363.33	240.12	156.18
52	364.06	242.57	157.72
53	364.81	244.08	158.32
54	365.54	246.59	159.74
55	366.28	248.13	162.17
56	367.03	250.66	164.61
57	367.76	252.28	166.03
58	368.51	253.89	168.44
59	369.24	256.74	169.84
60	369.99	259.29	171.99

• Rates are per thousand Sum Assured
• There is a 3 year setback for female lives

For added protection the following riders can be availed by paying additional premium along with Bharti AXA Life Aajeevan Sampatti+

• Bharti AXA Life Hospi Cash Rider (UIN: 130B007V04): This rider allows payment of a fixed benefit for each day of hospitalization and also provides lump sum benefit in case of surgery.

• Bharti AXA Life Accidental Death Benefit Rider(UIN: 130B008V02): Under this rider you will receive additional sum assured as chosen in case of unfortunate event of death due to an accident.

• Bharti AXA Life Premium Waiver rider (UIN: 130B005V04): 100% of all future premiums under the base policy are waived and paid by the company on the death & total permanent disability or critical illness of Proposer, depending on the chosen option.

Please refer rider brochure for complete details on terms and conditions and exclusions before opting for the rider.