Bharti AXA Life eFuture Invest

(ADVT NO:II-Dec-2019-2017)

In this policy, the investment risk in investment portfolio is borne by the policyholder.

A unit-linked, online investment plan that offers you both good returns and an added life cover. To get the most of this income tax-saving investment, all you must do is choose between a single premium or a premium payment term of 5 years while you reap the benefits for 10.

4 Reasons to Buy

  • An affordable online Investment Plan. Buy the plan at a convenience of a click. Moreover, as this is an online plan, there are no commissions payable and hence the policy charges are lower.
  • Choose between two premium payment terms - Single Pay or a limited premium payment term of 5 years while accruing benefits for 10 along with the flexibility of partial withdrawals. You can stay invested in the funds for an extended period of 5 years after Maturity. You can also withdraw money from your Policy Fund Value any time after the completion of five policy years.
  • Zero allocation charges (other charges as applicable). Since there is no Premium allocation charge, 100% of Premiums paid will be allocated to the funds chosen by you. Other charges levied as applicable.
  • Receive Tax benefits on the Premiums paid and benefits received. This is one of the best tax saving investment plans available. They are subject to change as per change in Tax laws from time to time.

Plan Details

How it works?

Let’s take a look at this case study

35-year-old Aditya purchases our Bharti AXA eFuture Invest and would like to invest in the Grow Money Plus Fund. He chooses a 10-year policy term for a Sum Assured of ₹ 5,00,000. He pays an annual premium of ₹ 50,000 for 5 years.

  • He starts paying ₹ 50,000* annually


  • He finishes paying annual premiums


  • At an assumed 4% rate of return, he receives ₹ 2,59,676 (Fund Value) on maturity 

    At an assumed 8% rate of return, he receives ₹ 3,58,776 (Fund Value) on maturity


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 death, his family will receive higher of Sum Assured or Fund Value

Parameter Eligibility
Minimum age at entry 18 years (age last birthday)
Maximum age at entry 60 years (age last birthday)
Maximum age at Maturity 70 years (age last birthday)
Premium modes Yearly, Half-yearly, Quarterly* and Monthly*.
Minimum Premium
Premium Payment Term: 5 years
Annual – ₹ 18,000
Semi Annual – ₹ 9,000
Quarterly – ₹ 4,500
Monthly – ₹ 1,500
Premium payment term: Single Pay ₹ 25000  
Maximum Premium ₹ 1,00,00,000 for 5 pay
₹ 8,00,00,000 for Single pay
Policy benefit period 10 years
Premium payment term Single Pay and 5 years

* Payment only through ECS