Get the Best Saving Plan | Bharti AXA Life Insurance

Parameter	Eligibility Criteria
Minimum age at entry	6 years for 12 years policy term 2 years for 16 years policy term 91 days for 24 years policy term (The risk coverage will start immediately on policy commencement for all lives including minors) In case of the life insured being a minor at the time of policy issuance, the ownership of the policy will vest in the life insured on attainment of age 18 years, age last birthday.
Maximum age at entry	65 years for 12 & 16 years policy term 60 years for 24 years policy term
Maximum Maturity Age	77 years for 12 years policy term 81 years for 16 years policy term 84 years for 24 years policy term
Minimum Monthly Income	Rs 928 for 12 years policy term Rs 642 for 16 years policy term Rs 370 for 24 years policy term
Minimum Sum Assured	Rs. 50,000 for all policy terms
Minimum Premium	Rs 10,600 for 12 year policy term Rs 7,000 for 16 year policy term Rs 3,700 for 24 year policy term
Policy Term	12, 16 and 24 years
Premium Payment Term	6, 8 and 12 years for 12, 16 and 24 years policy term respectively
Premium Payment Modes	Annual, Semi Annual, Quarterly* & Monthly*

* Through ECS only

Benefits of the Plan:

1. Limited Pay Options:

You have the flexibility to choose your Policy term from 3 options. The corresponding Premium Payment Term for each policy term is as mentioned below

Policy Term	Premium Payment Term
12 Years	6 Years
16 Years	8 Years
24 Years	12 Years

2. Maturity Benefit:

At Maturity, you receive Non-Guaranteed Annual Reversionary Bonus (if any) plus Non-Guaranteed Terminal Bonus (if any), subject to the policy being in force.

3. Potential Upside through Bonuses:

Non-Guaranteed Simple Annual Reversionary Bonuses (if any) get accrued to the policy from the end of 1st policy year and get paid out on Maturity, Death or Accidental Total Permanent Disability. You may also receive Non-Guaranteed terminal bonus (if any).

4. Insurance Benefit Payable:

In the event of death or Accidental Total Permanent Disability (whichever is earlier), provided the policy is in force & all premiums have been paid, the insurance benefit is paid out which is higher of the following

Sum Assured on Death plus Non-Guaranteed vested simple Reversionary Bonuses and Non-Guaranteed Terminal Bonus (if any)
105% of all premiums paid as on the date of Death

The benefit will be paid in equal monthly instalments starting immediately from the next monthly anniversary following date of death or ATPD and will be payable for the number of months as mentioned in the table below.

Policy Term	No. of months for which Death Benefit will be payable
12 years	72 months
16 years	96 months
24 years	144 months

The non-guaranteed vested simple Reversionary Bonus along with Terminal Bonus (if any), shall be payable as lump sum immediately on Death of Life Insured.

5. Survival Benefit:

Subject to the policy being in force, the Guaranteed Monthly Income on Survival (as displayed in the table below) will be payable monthly starting from the end of the next month after the completion of the Premium Payment Term and will be payable for 72 months for 12 year policy term, 96 months for 16 year policy term and 144 months for 24 year policy term.

Policy Term	Premium Payment Term	Guaranteed Monthly Income on Survival as % of (annual premium/12)
12 years	6 years	105%
16 years	8 years	110%
24 years	12 years	120%

Here Are The Age Wise Premium Rates

Premium rates (per ₹ 1000 Sum Assured per annum) - Band 1 (₹ 50000 - ₹ 500000)

For Male Lives
Policy Term	12 years	16 years	24 years
Age\Premium Payment Term	6 years	8 years	12 years
0			75.65
1			75.89
2		142.30	76.01
3		142.52	76.35
4		142.71	76.56
5		142.89	76.87
6	217.50	143.01	77.01
7	217.81	143.23	77.11
8	217.90	144.00	77.37
9	217.96	144.17	77.38
10	218.14	144.25	77.42
11	218.41	144.36	77.47
12	218.74	144.51	77.53
13	219.09	144.66	77.60
14	219.43	144.82	77.67
15	219.76	144.98	77.74
16	220.05	145.12	77.80
17	220.31	145.25	77.86
18	220.53	145.36	77.92
19	220.73	145.46	77.97
20	220.89	145.56	78.02
21	221.05	145.65	78.07
22	221.20	145.74	78.13
23	221.36	145.84	78.19
24	221.53	145.95	78.26
25	221.74	146.08	78.34
26	221.98	146.23	78.43
27	222.28	146.41	78.53
28	222.63	146.62	78.66
29	223.06	146.87	78.80
30	223.57	147.17	78.96
31	224.17	147.52	79.13
32	224.89	147.94	79.34
33	225.75	148.42	79.56
34	226.76	148.98	79.81
35	227.94	149.62	80.11
36	229.31	150.34	80.47
37	230.91	151.17	80.87
38	232.75	152.09	81.32
39	234.88	153.13	81.82
40	237.31	154.42	82.39
41	240.09	155.89	83.02
42	243.24	157.53	83.74
43	246.81	159.36	84.55
44	250.84	161.42	85.48
45	255.37	163.73	86.52
46	260.47	166.32	87.67
47	266.17	169.21	88.95
48	272.75	172.44	90.36
49	280.43	176.03	91.91
50	289.08	180.03	93.61
51	298.82	184.76	95.47
52	309.89	190.07	97.51
53	322.57	196.05	99.81
54	339.18	202.86	102.39
55	359.77	210.66	105.25
56	384.92	220.42	108.46
57	416.39	232.07	112.12
58	456.98	246.13	116.46
59	511.31	263.44	121.48
60	587.64	285.23	127.36
61	621.64	313.42
62	671.64	351.15
63	700.02	403.99
64	749.45	482.83
65	780.23	612.32

Premium rates (per 1000 Sum Assured per annum) -Band 2 (₹ 500001 & above)

For Male Lives
Policy Term	12 years	16 years	24 years
Age\Premium Payment Term	6 years	8 years	12 years
0			68.45
1			68.55
2		131.56	68.72
3		131.98	68.85
4		132.04	68.98
5		132.23	69.11
6	202.94	132.59	69.35
7	203.00	132.86	69.51
8	203.09	133.02	69.72
9	203.14	133.35	69.89
10	203.31	133.42	69.92
11	203.56	133.53	69.97
12	203.86	133.66	70.02
13	204.19	133.81	70.09
14	204.51	133.96	70.15
15	204.81	134.10	70.21
16	205.09	134.23	70.27
17	205.33	134.35	70.33
18	205.54	134.45	70.38
19	205.72	134.55	70.43
20	205.87	134.64	70.47
21	206.02	134.72	70.52
22	206.16	134.81	70.57
23	206.30	134.90	70.63
24	206.47	135.00	70.69
25	206.66	135.12	70.77
26	206.89	135.26	70.85
27	207.16	135.42	70.95
28	207.49	135.62	71.06
29	207.89	135.86	71.20
30	208.37	136.13	71.34
31	208.93	136.46	71.51
32	209.60	136.85	71.70
33	210.38	137.30	71.91
34	211.30	137.81	72.15
35	212.38	138.41	72.41
36	213.63	139.08	72.70
37	215.09	139.84	73.02
38	216.77	140.70	73.38
39	218.70	141.66	73.78
40	220.92	142.74	74.24
41	223.44	143.94	74.74
42	226.34	145.29	75.31
43	229.66	146.79	75.95
44	233.41	148.47	76.66
45	237.63	150.34	77.45
46	242.37	152.44	78.32
47	247.68	154.99	79.29
48	253.62	157.95	80.41
49	260.25	161.25	81.77
50	267.68	164.92	83.27
51	276.51	169.00	84.92
52	286.75	173.58	86.77
53	298.47	178.71	88.81
54	312.06	184.83	91.06
55	328.38	191.96	93.57
56	351.33	200.25	96.38
57	380.05	210.02	99.62
58	417.10	222.65	103.40
59	466.68	238.34	107.76
60	536.35	258.09	112.90
61	559.48	283.64
62	604.48	317.83
63	630.02	365.72
64	674.51	437.18
65	702.21	554.54

Rates are per thousand Sum Assured.
The above mentioned rates are for Male life. Three years set back for female lives.
Rates mentioned here are exclusive of service tax.

You may enhance your protection under this Plan by opting for the following rider(s)

Bharti AXA Life Hospi Cash Rider (UIN:130B007V03):This rider allows payment of a fixed benefit for each day of hospitalisation. It also offers a fixed amount benefit if you are admitted in an Intensive Unit Care or a lump sum benefit in case of surgery.
Bharti AXA Life Accidental Death Benefit Rider (UIN:130B008V02): This is a non-linked and regular pay rider that provides 100% Sum Assured in case of death of the life insured due to an accident subject to the rider policy being in-force.
Bharti AXA Life Term Rider (UIN: 130B009V02): Under this rider the policyholder can increase the life insurance coverage for a nominal premium.

Please refer to the 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.

Bharti AXA Life Monthly Advantage

(UIN 130N068V04)
(ADVT II-Dec-2019-2002)

4 Reasons to Buy

Plan Details

How it works?

Let’s take a look at this case study

Sad Demise

Benefits of the Plan:

1. Limited Pay Options:

2. Maturity Benefit:

3. Potential Upside through Bonuses:

4. Insurance Benefit Payable:

5. Survival Benefit:

Here Are The Age Wise Premium Rates

You may enhance your protection under this Plan by opting for the following rider(s)

Call Us

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Bharti AXA Life Monthly Advantage

(UIN 130N068V04) (ADVT II-Dec-2019-2002)

4 Reasons to Buy

Plan Details

How it works?

Let’s take a look at this case study

Sad Demise

Benefits of the Plan:

1. Limited Pay Options:

2. Maturity Benefit:

3. Potential Upside through Bonuses:

4. Insurance Benefit Payable:

5. Survival Benefit:

Here Are The Age Wise Premium Rates

You may enhance your protection under this Plan by opting for the following rider(s)

(UIN 130N068V04)
(ADVT II-Dec-2019-2002)