Bharti AXA Life Smart Jeevan(UIN 130N069V01)
(ADVT II-Jan-2018-1565)

A plan that offers your family protection for 12 years at a nominal premium, should something unfortunate ever happen to you. At the end of the Policy Term, you would receive 100% of the premium you had invested.


  • Product with easy affordable premiums

  • The product offers 100% return of premiums paid till end of Policy Term as maturity benefit

  • Life Insurance cover to ensure that you are adequately protected

  • Ease of purchase as no lengthy underwriting procedures are involved. You can get insured by giving a declaration of good health.

Plan details

How it works?

Let’s take a look at this case study

Suraj (Healthy 30 year old male) wishes to purchase a life insurance product that does not require much investment but at the same time ensures that he will receive maximum benefits. We advise him to purchase Bharti AXA Life Smart Jeevan. With this product, all Suraj needs to do is invest a nominal amount every year for 12 years. At the end of the Policy Term which also is 12 years, he receives the entire premium that he has paid till the end of the Premium Payment Term.

Suraj purchases a Bharti AXA Life Smart Jeevan Policy with a Sum Assured of `300,000 for which he pays an annual premium (excluding service tax) of `. 1,938.

  • Starts paying an annual premium
    of ` 1, 938

  • Finishes paying the annual premium

  • At the end of the 12th year, he receives a Maturity Benefit of

    END OF

100% pay back of premium will be exclusive of the taxes paid by the policyholder

Sad Demise

Sad Demise

In case of Suraj’s demise, his family will receive a Death Benefit of `.3,00,000

Who can buy?


Min entry age 18 years
Max entry age 50 years
Max Maturity age 62 years
Policy term 12 years
Premium Payment Term 12 years
Min Sum Assured Rs. 50,000
Max Sum Assured Rs. 500,000
Premium Payment Modes Annual, Semi Annual, Quarterly*, Monthly*

* Through auto pay only.

View details


Benefits of the Plan:

Maturity Benefit: You will receive the Sum Assured on Maturity which would be equal to 100% of the premiums paid till end of the policy term subject to the policy being in force.

Life Insurance Benefit: In case of the unfortunate loss of life of the life insured, provided the policy is in force and all due premiums have been paid; the beneficiary/nominee would receive the Sum Assured on Death which will be the highest of the following:

  • 11 times of Annualized Premium*
  • 105% of all premiums paid
  • Absolute amount assured to be paid on death equal to the Sum Assured under the policy
  • Sum Assured on Maturity

* Annualized Premium does not include modal factors

#Tax Benefits: Tax benefits for the premiums paid and the benefits received as per the prevailing laws which are subject to change.

# Tax benefits are as per the Income Tax Act, 1961, and are subject to any amendments made thereto from time to time

Premium Rates


Age Band Premium rate per 1000 Sum Assured
18 – 35 6.46
36 – 40 8.08
41 - 45 11.85
46 - 50 16.16



The insurance industry is getting digitally savvy giving policyholders the comfort of buying and managing their policy and that too at lower costs.

Expert Review

A regulatory clause makes it mandatory for life insurers to offer guaranteed returns to all its subscribers.