Bharti Axa Bharti Axa

Bharti AXA Life Dhan Varsha

(UIN 130N070V03)
(ADVT II-JUN-2017-1506)

A traditional non linked participating plan that offers you Non-Guaranteed Cash Bonuses from the 7th year, Guaranteed* Survival Benefits from the 10th year onwards, as well as a lump sum at the end of the Policy Term. All these while protecting your family's future.

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4 Reasons to Buy
  • Flexible Premium Paying Terms
  • Annual benefits in the form of Non Guaranteed cash bonuses and Guaranteed* Survival Benefits payable during the Policy Term.
  • Option for benefits to continue even after the death of the life insured(when Premium Waiver Rider is opted)
  • 100% of the sum assured payable as maturity benefit

*Survival Benefit guaranteed subject to the policy being in force and all due premiums being paid

Plan Details

How it works?

Let’s take a look at this case study

Aditya is a healthy 30 year old. He is working with an MNC and has recently got married. He is looking at investing in a life insurance product because he wants a plan that will not only help him build his assets but will also help in providing protection to his wife and in time his family, in case something unfortunate were to happen to him.

He purchases a policy of Bharti AXA Life Dhan Varsha, and selects a Policy Term of 25 years. He chooses to pay an annual premium of Rs. 100,000 for a Premium Payment Term of 15 years. His Sum Assured under the plan is Rs. 1,085,069

  • He chooses to pay an annual premium of ₹ 100,000 for a PPT of 15 years.

    1ST POLICY YEAR

  • He starts receiving Non-Guaranteed Cash Bonuses from the end of the 7th year which would be ₹ 5,425 p.a. at 4%#or ₹ 50,456 p.a. at 8%#.

    7TH POLICY YEAR

  • He receives Guaranteed* Survival Benefits of ₹ 65,104 p.a.from the end of the 10th year.

    10TH POLICY YEAR

  • He finishes paying the premiums.

    15TH POLICY YEAR

  • He receives the Sum Assured on Maturity of ₹ 1,085,069

    25TH POLICY YEAR

Disclaimer: # 4% and 8% rates are used only for illustration purposes and are not guaranteed. The values represented with 4% & 8% are not the upper or lower limits of what one can expect from this policy, as it is dependent on number of factors including investment performance

Sad Demise

In case of unfortunate event of Death, Death benefit paid out will be the higher of Sum Assured on Death or 105% of Premiums paid till date of Death.

Parameter Eligibility Criteria
Minimum Age# at entry 91 days
Maximum Age# at entry 55 years for Policy Term of 20 years
50 years for Policy Term of 25 years
Maximum Age# at Maturity entry 75 years
Premium Payment Term & Policy Terrm
10 years Premium Payment Term for 20 years Policy Term
15 years Premium Payment Term for 25 years Policy Term
Minimum Sum Assured (₹) ₹ 25,000
Maximum Sum Assured (₹) No Limit, subject to underwriting
Minimum Premium (₹)
₹ 3443 for Policy Term of 20 years
₹ 2515 for Policy Term of 25 years
Premium Payment Modes Annual, semi- annual, quarterly* & monthly*

* Through auto pay only
# - Age last birthday

1.Two Policy Term & Premium payment term options: The product offers you the choice of two Policy Terms of 20 years and 25 years with premium payment terms of 10 years and 15 years respectively at inception of your policy

2. Guaranteed* Survival Benefits: The product assures Guaranteed* Survival Benefits until Maturity (except in the policy year coinciding with maturity). Once you complete the 10th Policy year, you will start receiving the survival benefit up to one year before maturity or death of Life Insured, whichever is earlier, subject to policy being in force. The Guaranteed Survival Benefit will be 6% of Sum Assured

3. Potential upside through Cash Bonuses: The product also offers Non-Guaranteed Cash Bonuses (if any) subject to the policy being in force. The Policy participates in the performance of the participating insurance fund and surplus is distributed as bonus. This Non-guaranteed benefit which is calculated as a percentage of Sum Assured is paid out as a cash bonus every year starting from the end of the 7th Policy year, until maturity or death, whichever is earlier.

4. Life Insurance Benefit: The product offers Life Insurance benefit which is paid out in case of the unfortunate event of death of Life Insured and is the higher of the following:

  • Sum Assured on Death
  • 105% of all premiums paid till the date of death

    • Where Sum Assured on Death is further defined as: The highest of

  • 10 times Annualized Premium#
  • Absolute amount assured to be paid on death equal to the Sum Assured under the policy
  • Sum Assured on Maturity where the Sum Assured on Maturity is the Sum Assured under the policy

5. Maturity Benefit: Sum Assured on Maturity, which is the Sum Assured applicable under the Policy, is paid if the Life Insured survives till the Maturity of the Policy and the policy is in force.

6. Tax Benefits: You may avail of tax benefits on the premiums paid as well as the benefits received as per the prevailing tax laws under Section 80C and Section 10 (10D) of the Income-tax Act, 1961. The tax benefits are subject to change as per change in tax laws from time to time.

*Survival Benefit guaranteed subject to the policy being in force and all due premiums being paid

#Annualized Premium does not include Modal Factors and underwriting extra

Annexure III - Premium Rates

Premium rates (per ₹ 1000 Sum Assured per annum) - Band 1 (₹ 25,000 – ₹ 3,00,000)

For Male Lives
Policy Term 20 years 25 years
Age\Premium Payment Term 10 years 15 years
0 137.72 100.61
1 137.73 100.62
2 137.74 100.63
3 137.75 100.64
4 137.76 100.65
5 137.77 100.66
6 137.78 100.67
7 137.79 100.68
8 137.80 100.69
9 137.81 100.70
10 137.82 100.71
11 137.86 100.74
12 137.90 100.77
13 137.94 100.82
14 137.98 100.85
15 138.02 100.89
16 138.06 100.95
17 138.10 100.98
18 138.14 101.00
19 138.18 101.03
20 138.22 101.05
21 138.26 101.09
22 138.30 101.11
23 138.34 101.14
24 138.38 101.16
25 138.42 101.19
26 138.46 101.23
27 138.50 101.28
28 138.54 101.32
29 138.59 101.38
30 138.64 101.45
31 138.69 101.53
32 138.76 101.62
33 138.84 101.68
34 138.96 101.77
35 139.09 101.91
36 139.23 102.04
37 139.39 102.19
38 139.52 102.37
39 139.73 102.57
40 139.98 102.79
41 140.28 103.01
42 140.59 103.23
43 140.96 103.45
44 141.39 103.67
45 141.87 103.89
46 142.41 104.11
47 143.01 104.33
48 143.67 104.55
49 144.35 104.77
50 145.06 105.00
51 145.81  
52 146.57  
53 147.39  
54 148.25  
55 149.16  

Premium rates (per ₹ 1000 Sum Assured per annum) - Band 1 (₹ 25,000 - ₹ 3,00,000)

For Female Lives
Policy Term 20 years 25 years
Age\Premium Payment Term 10 years 15 years
0 137.72 100.61
1 137.72 100.61
2 137.72 100.61
3 137.72 100.61
4 137.73 100.62
5 137.74 100.63
6 137.75 100.64
7 137.76 100.65
8 137.77 100.66
9 137.78 100.67
10 137.79 100.68
11 137.80 100.69
12 137.81 100.70
13 137.82 100.71
14 137.86 100.74
15 137.90 100.77
16 137.94 100.82
17 137.98 100.85
18 138.02 100.89
19 138.06 100.95
20 138.10 100.98
21 138.14 101.00
22 138.18 101.03
23 138.22 101.05
24 138.26 101.09
25 138.30 101.11
26 138.34 101.14
27 138.38 101.16
28 138.42 101.19
29 138.46 101.23
30 138.50 101.28
31 138.54 101.32
32 138.59 101.38
33 138.64 101.45
34 138.69 101.53
35 138.76 101.62
36 138.84 101.68
37 138.96 101.77
38 139.09 101.91
39 139.23 102.04
40 139.39 102.19
41 139.52 102.37
42 139.73 102.57
43 139.98 102.79
44 140.28 103.01
45 140.59 103.23
46 140.96 103.45
47 141.39 103.67
48 141.87 103.89
49 142.41 104.11
50 143.01 104.33
51 143.67  
52 144.35  
53 145.06  
54 145.81  
55 146.57  

Premium rates (per ₹ 1000 Sum Assured per annum) - Band 2 (₹ 3,00,001 and above)

For Male Lives
Policy Term 20 years 25 years
Age\Premium Payment Term 10 years 15 years
0 128.07 91.39
1 128.08 91.40
2 128.09 91.41
3 128.10 91.42
4 128.11 91.43
5 128.12 91.44
6 128.13 91.45
7 128.14 91.46
8 128.15 91.47
9 128.16 91.48
10 128.17 91.49
11 128.20 91.52
12 128.24 91.54
13 128.28 91.59
14 128.32 91.62
15 128.35 91.65
16 128.39 91.71
17 128.43 91.74
18 128.47 91.75
19 128.50 91.78
20 128.54 91.80
21 128.58 91.84
22 128.61 91.85
23 128.65 91.88
24 128.69 91.90
25 128.73 91.93
26 128.76 91.96
27 128.80 92.01
28 128.84 92.04
29 128.88 92.10
30 128.93 92.16
31 128.98 92.24
32 129.04 92.32
33 129.12 92.37
34 129.23 92.45
35 129.35 92.58
36 129.48 92.70
37 129.63 92.83
38 129.75 93.00
39 129.94 93.18
40 130.18 93.38
41 130.46 93.58
42 130.74 93.78
43 131.09 93.98
44 131.49 94.18
45 131.93 94.38
46 132.44 94.58
47 132.99 94.78
48 133.61 94.98
49 134.24 95.18
50 134.90 95.39
51 135.60  
52 136.31  
53 137.07  
54 137.87  
55 138.71  

Premium rates (per ₹ 1000 Sum Assured per annum) - Band 2 (₹ 3,00,001 and above)

For Female Lives
Policy Term 20 years 25 years
Age\Premium Payment Term 10 years 15 years
0 128.07 91.39
1 128.07 91.39
2 128.07 91.39
3 128.07 91.39
4 128.08 91.40
5 128.09 91.41
6 128.10 91.42
7 128.11 91.43
8 128.12 91.44
9 128.13 91.45
10 128.14 91.46
11 128.15 91.47
12 128.16 91.48
13 128.17 91.49
14 128.20 91.52
15 128.24 91.54
16 128.28 91.59
17 128.32 91.62
18 128.35 91.65
19 128.39 91.71
20 128.43 91.74
21 128.47 91.75
22 128.50 91.78
23 128.54 91.80
24 128.58 91.84
25 128.61 91.85
26 128.65 91.88
27 128.69 91.90
28 128.73 91.93
29 128.76 91.96
30 128.80 92.01
31 128.84 92.04
32 128.88 92.10
33 128.93 92.16
34 128.98 92.24
35 129.04 92.32
36 129.12 92.37
37 129.23 92.45
38 129.35 92.58
39 129.48 92.70
40 129.63 92.83
41 129.75 93.00
42 129.94 93.18
43 130.18 93.38
44 130.46 93.58
45 130.74 93.78
46 131.09 93.98
47 131.49 94.18
48 131.93 94.38
49 132.44 94.58
50 132.99 94.78
51 133.61  
52 134.24  
53 134.90  
54 135.60  
55 136.31  
  • Rates are per thousand Sum Assured.
  • Rates mentioned here are exclusive of service tax.
You may enhance your protection under this Plan by opting for the following rider(s)
  • Hospi Cash Rider:- This rider allows payment of a fixed benefit for each day of hospitalization and also provides lump sum benefit in case of surgery. UIN: 130B007V02
  • Accidental Death Benefit Rider:- Under this rider you will receive additional Sum Assured as chosen in case of unfortunate event of death due to an accident. UIN: 130B008V01
  • Premium Waiver Rider:- Under this rider future premiums will be waived off in case of critical illness (for rider taken by Life Insured) and under Critical Illness/Death or ATPD/Both incase Rider is taken by proposer). UIN: 130B005V03
  • Bharti AXA Life Term Rider (UIN: 130B009V01):- Under this rider the policyholder can increase the life insurance coverage for a nominal premium.

    Please refer rider brochure for complete details on terms and conditions and exclusions before opting for the rider. Riders are optional and are available at an extra cost.