<section class="blog">
<div class="blog-content">
<h2 class="section-main-heading">What is the investment?</h2>

<p>The investment is an item or asset accumulated by an individual for his or her goal of generating income. By looking at the economic outlook, the investment is obtaining goods that were not going to be consumed by the individual in the present, but it may be used in the future.</p>

<p>On the other hand, in finance, the assets are purchased with the idea that it will generate income for the future or be sold at a higher rate in the future. Investment is a better option to save your earnings since it is a safe area that will allow your earnings to grow.</p>

<p>When it is coupled&nbsp;<strong>Investment + Term Insurance</strong>&nbsp;becomes a greater area for your investment. The investor can earn their investment through three main things, namely:</p>

<ul>
	<li>Appreciation</li>
	<li>Interest payments</li>
	<li>Dividends</li>
</ul>

<p>When the value of assets increases in the future, it is meant as appreciation. You can buy a bond and lend your money to the government or corporation, and further, they will pay back your money with an interest payment of the amount you lent. When you own a stock or equity, then the payments will be issued in the form of dividends.</p>
</div>
</section>

<section class="blog">
<div class="blog-content">
<h2 class="section-main-heading">Stunning reason to start investing today</h2>

<p>Investments help in the economy's growth because the investors buy and sell goods, and this will employ people. There are many reasons for investing money, and it varies from investor to investor. Some of the best reasons to invest your earning to generate more in the future are :</p>

<ul>
	<li>Money can be kept safe: Capitalization is one of the chief reasons investors invest their money.</li>
	<li>To help money grow: While investing money can be generated into a sizable quantity over time.</li>
	<li>The steady stream of income can be earned: You can earn a steady income source, which can be primary or secondary.</li>
	<li>Minimizing the tax burden: You can save your tax by investing in ULIPs, PPF, ELSS, and you can get a deduction amount.</li>
	<li>Savings for retirement: Retirement fund can be used effectively in your fall back golden years.</li>
	<li>Meeting your financial goals: Short term and long term goals can be achieved by investing in the correct area.</li>
</ul>

<p>The amazing option to invest in&nbsp;<a href="/term-insurance">term insurance</a>, and it is a life insurance policy.&nbsp;<strong>Investment + Term Insurance</strong>&nbsp;is the best option to invest in to achieve your future goals, and it will be very useful for you at the age of retirement.</p>

<h2 class="section-main-heading">Remarkable categories of investments in India</h2>

<p>Investors invest in both long term and <a href="https://www.bhartiaxa.com/be-smart/investments/best-short-term-investment-plans" target="_blank" title="short investments">short investments</a> to generate short term or long term goals in their future lives. These funds will be used by the investors for their various life events or in an emergency.</p>

<p>The investors can invest their money in different investment areas, but it is important to select a safe area for your capital. The stunning area for investors is&nbsp;<strong>Investment + Term Insurance</strong>&nbsp;. Some of the best&nbsp;<a href="/investment-plans">investment plans&nbsp;</a>include :</p>

<ul>
	<li>Public Provident Fund</li>
	<li>Post office savings</li>
	<li>Sovereign Gold Bonds</li>
	<li>Bank Fixed Deposits or Term Deposit</li>
	<li>Recurring Bank Deposit Saving Scheme</li>
	<li>Life Insurance Plans</li>
	<li>ELSS (Equity Linked Savings Scheme)</li>
	<li>Mutual Funds</li>
	<li>Stocks</li>
</ul>

<h2 class="section-main-heading">Public Provident Fund</h2>

<p>One of the best and preferred options of investing in Public Provident Fund, and it is a long term debt investment which was issued by the government of India. The tenure of PPF was 15 years, but the investor withdrew the fund value of 50% after five years, and the interest rate was decided by the government of India.</p>

<p>The beneficial thing about PPF is that you can claim for deduction from your income tax when filing your returns, and the returns are not taxable.</p>

<h2 class="section-main-heading">Post Office Savings</h2>

<p>Another notable <a href="https://www.bhartiaxa.com/be-smart/investments/5-safest-investment-options-to-secure-your-family" target="_blank" title="safest investment">safest investment</a> for the long term is post office savings. This scheme will be ideal for employees, and they can pay a fixed amount of deposit every month. Even the people who gain low income can also invest in this post office scheme. Some of the post offices saving options are listed below.</p>

<ul>
	<li>Post Office Recurring Deposits</li>
	<li>Post Office Monthly Income Scheme</li>
	<li>Post Office Time Deposits</li>
	<li>National Savings Scheme</li>
	<li>National Savings Certificates</li>
</ul>

<h2 class="section-main-heading">Sovereign Gold Bonds</h2>

<p>Gold was always considered as an attractive <a href="https://www.bhartiaxa.com/be-smart/investments/5-investment-options-for-1-years-with-high-returns" target="_blank" title="option of investment">option of investment</a> in India. However, keeping physical gold can be burdensome and risky. Sovereign gold bonds are one of the smarter alternatives for investment in physical gold.</p>

<p>These gold bonds are distributed by the RBI, and it has been backed by the government of India. The bondholders will enjoy capital appreciation when every time there is an increase in the price of gold.</p>

<h2 class="section-main-heading">Bank Fixed Deposits or Term Deposits</h2>

<p>This is one of the <a href="https://www.bhartiaxa.com/be-smart/investments/best-way-to-invest-money-in-india" target="_blank" title="best options for investing">best options for investing</a> and considered the oldest and safest in the country. The term deposit scheme is depositing a certain amount of money in the bank, and you will earn the interest for your deposited amount. These investments are ideal for long term investments. At the age of retirement, it will be very beneficial for investors to gain a regular income.</p>

<h2 class="section-main-heading">Recurring Bank Deposit Saving Scheme</h2>

<p>This is also another <a href="https://www.bhartiaxa.com/be-smart/investments/investment-plans-in-india" target="_blank" title="good investment plan in India">good investment plan in India</a>. In this scheme, you should deposit a specific sum of money in monthly contributions, and you will receive a fixed rate of interest every month. This investment will have a fixed contract, and at the end of the contract, the investor will earn the principal amount and interest earned.</p>

<h2 class="section-main-heading">Life Insurance Plans</h2>

<p>It is considered one of the major investing options available in India. This awareness of purchasing an <strong>Investment + Term Insurance</strong> is growing in India, and it is a <a href="https://www.bhartiaxa.com/be-smart/investments/long-term-investment-plan-and-options-for-better-finanance" target="_blank" title="long term investment">long term investment</a>.</p>

<p><a href="/life-insurance" target="_blank">Life insurance</a> are best suited for people with families. The amount earned from life insurance can be used for various purposes: business expansion, child's education, or children's marriage. But before applying for <a href="/life-insurance" target="_blank" title="life insurance">life insurance</a>, you should know the different types of insurance plans available in India.</p>

<h2 class="section-main-heading">Individual Health Insurance policy</h2>

<ul>
	<li>Family Floater Health Insurance</li>
	<li>Critical illness Health Insurance policy</li>
	<li>Senior citizen Health Insurance</li>
</ul>

<h2 class="section-main-heading">Equity Linked Savings Scheme</h2>

<p>In past years this scheme has gained great popularity in the Indian financial market. Equity Linked <a href="https://www.bhartiaxa.com/be-smart/tax-savings/the-best-tax-saving-schemes-to-invest" target="_blank" title="Savings Scheme">Savings Scheme</a> is one of the mutual fund investment plans that invest in stocks and equity-related stocks. These schemes have a lock period, and it will be beneficial for tax deductions.</p>

<h2 class="section-main-heading">Investing in Mutual Funds</h2>

<p>A mutual fund is another famous investment plan available in India, and this was becoming popular in the last few years. Lump-sum investments are not required for investing in mutual funds. It is a little safer to invest when compared to stocks.</p>

<p>The banks and financial companies provide mutual fund investment products. In this type of investment, there is a possibility of fetching a high amount of returns, and it depends on the market.</p>

<h2 class="section-main-heading">Capitalizing in Stocks</h2>

<p>Stock investment is a beneficial option in India. You can invest in equity shares and fetch 26.5 percent returns in 5 years. Even if you invested for a longer period, it will reach higher returns.</p>

<p>The Indian financial market is loaded with numerous investment plans in which you can fetch a lot of higher returns, and you can also save earning from paying a massive amount of income tax and also gain a deduction amount from this.<br />
Investing in Investment + Term Insurance provides you lots of saving for yourself and also for your generation.</p>
</div>
</section>


<p>The investment is an item or asset accumulated by an individual for his or her goal of generating income. By looking at the economic outlook, the investment is obtaining goods that were not going to be consumed by the individual in the present, but it may be used in the future.</p>


Types of Investment Plans

Types of Investment in India to Save Your Earnings | Bharti AXA Life

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Learn about the types of investment plans and policies in India and check the best investment options to get high returns on savings at Bharti Axa Life Insurance.

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Types Of Investment In India To Save Your Earnings

<section class="blog">
<div class="blog-content">
<p>Have you been spending most of your times choosing the <a href="/be-smart/investments/extraordinary-types-of-investment-in-india-to-save-your-earnings" target="_blank" title="best investment plan">best investment plan</a> for yourself and family? When it comes to choosing the best investment plan in the market we understand that the task can be quite challenging at times as there are so many investment plans available in the market. If you are having a hard time to find the <a href="https://www.bhartiaxa.com/be-smart/investments/6-short-term-investment-plan-for-3-years-in-India" target="_blank" title="best investment">best investment</a> for you then you should spend some of your time reading this blog. This blog will tell its readers about some of the most important things to consider before you finally choose your investment plan such as term insurance.</p>
</div>
</section>

<section class="blog">
<div class="blog-content">
<h2>Why is it important to choose term insurance very carefully?</h2>

<p>There is no hiding to the fact that term insurance is a huge investment to make and it is not something which you can change now and then. Along with this if one will not choose the <a href="/investment-plans">investment plan</a> properly then he/she can suffer from great financial losses as well.</p>

<h2>Consider these things before you choose your investment plan-</h2>

<p>If you want to find the best term insurance plan for yourself, then keep the following things in mind and we guarantee that by following these tips you will be able to find the best plan.</p>

<h2>You should know about your needs and goals</h2>

<p>The first and foremost thing you should consider while choosing the best <strong>investment</strong> plan is to review your goals and needs. Once a person has a clear idea that what he/she expects from the plan then it becomes very easy to look for the same. The professionals working as a salesman in term insurance companies, etc always recommend that if people are clear about their needs and goals then they don't find it hard to choose the right plan.</p>

<h2>For how long can you invest in the plan?</h2>

<p>Did you know that the investment plans are available in the market with different time frames and it all depends on the person that for how long he/she is willing to invest in the plan? There are plans in which one has to invest for a few months/ years and then soon become eligible to draw the money with benefits. On the other hand, there are many long term investments in which one does not need to money back in the nearing years.</p>

<h2>You should have an investment plan of yours</h2>

<p>Now that you have made up your mind to invest in a <a href="/term-insurance">term insurance plan</a>, then we would suggest that before you start to look for the best plans for yourself, you should consider planning an investment plan of your own. This is necessary so that you can understand what your expectations and budgets are and then accordingly look for such an investment.<br />
Readers should not forget to calculate the amount of risk you are prepared to face at a time if any. If you are finding it hard to think of your investment plan then you can ask for help from the experts.</p>

<h2>Always explore different options</h2>

<p>Another very important thing to always keep in mind while searching for the best investment plan is that you should never settle with the very first option you come across. This is because it is always better to explore 2-3 options so that you can know what the best benefits are and then settle with the best of all.</p>

<h2>Diversify</h2>

<p>Are you planning to invest just to get more money in return, then don't hesitate from exploring all the diverse investment plan options. We advise that people should get in touch with different investment companies to understand the set of benefits and risks associated with the same property.</p>

<h2>Decide how hands-on-to-be</h2>

<p>There is no denying to the fact that one can earn great benefits from investing in term insurance. Therefore, it is you who has to decide how hands-on you want to be for the investments you make. If you have an idea about the individual shares then you should try investing in the same for great returns.</p>

<p>On the other hand, if you do not have a huge capital to invest and not that much time as well then you should search for term <a href="https://www.bhartiaxa.com/online-insurance-plans" target="_blank" title="insurance plans">insurance plans</a> which required low budget and don't demand much of your time on regular basis.</p>

<h2>Keep a tab on the charges</h2>

<p>By keeping a constant check o the charges, we mean to say is one should always keep a check about the latest rate prevalent in the share market. This is necessary because by this way you will not be able to keep a close eye on your current investments and future returns but also have proper insights so that you can invest wisely in the upcoming plans.</p>

<h2>Ask your friends, family and colleagues for recommendations</h2>

<p>If you are pretty much determined to invest in good <strong>term insurance</strong>, then we would recommend that you should ask for recommendations from your friends, family and colleagues who you know have just made an investment or have good knowledge about the same.</p>

<h2>Research in detail on the internet</h2>

<p>In today's date, everything is available on the internet. Therefore, we always advise our reader to search for the policy details on the internet so that you can know about the detailed risks and benefits associated with the investments you are planning to make.</p>

<h2>Check the insurance company's website</h2>

<p>Before you make the final decision of <a href="https://bhartiaxa.com/be-smart/term/term-insurance-an-investment-or-expense" target="_blank" title="investment in the term insurance">investment in the term insurance</a>, it is always better to check the insurance's company's website so that you can know more about the insurance company.</p>

<h2>Read the insurance form properly</h2>

<p>Every insurance firm requires a person to fill the insurance form. Before you fill the same, make sure you have read all the rules and policies in detail.</p>

<h2>Always fill in the correct information in the insurance form</h2>

<p>There are times when people in hurry end up filling incomplete or wrong information in the term insurance form. This has a very bad effect when you will go to file the claim as it will be rejected because the information you have filled was incorrect or incomplete.</p>

<h2>Consult the experts before you finally do the investment</h2>

<p>Last but not the least, before you invest in the term insurance plan don't forget to get in touch with an investment expert who can study your financial status, expectations and needs so that you can get the best of&nbsp;<strong>investment</strong>&nbsp;plans to choose.</p>

<h2>Do not keep any questions in your mind</h2>

<p>If you have any question or doubt regarding the&nbsp;<strong>term insurance</strong>&nbsp;you are planning to opt then it is better to always ask the same freedom from your insurance agent so that there are no chances of future regrets.</p>

<p>Now that our readers have read the above-mentioned things in complete detail we are pretty sure that our readers will be able to find the best&nbsp;<strong>investment</strong>&nbsp;plan for themselves. If our readers have any specific questions regarding the same then they can drop their queries in the comment section given below. Our investment experts will try to get back to you as soon as possible.</p>
</div>
</section>


<p>Have you been spending most of your times choosing the best investment plan for yourself and family? When it comes to choosing the best investment plan in the market we understand that the task can be quite challenging at times as there are so many investment plans available in the market. If you are having a hard time to find the best&nbsp;<strong>investment</strong>&nbsp;for you then you should spend some of your time reading this blog.</p>


How to Choose the Best Investment Plan | Bharti AXA Life

To select the investment plan that will work for you, check out this article and opt for the best Investment plan online in India offered by Bharti AXA Life Insurance.

How to Choose the Best Investment Plan

<section class="blog">
<div class="blog-content">
<h2 class="section-main-heading">A summary of Unit Linked Insurance Policies</h2>

<p>Unit Linked Insurance Policies or <b><a href="/ulip-plans" target="_blank" title="ULIP">ULIP</a></b> is an insurance policy that offers you the perspective of wealth creation by providing the security of <a href="https://www.bhartiaxa.com/life-insurance" target="_blank" title="life insurance">life insurance</a>. In this plan, the policyholder should <a href="https://www.bhartiaxa.com/pay-premium-online" target="_blank" title="pay the premium">pay the premium</a> either monthly or annually.</p>

<p>A small quantity of the premium will go to secure life insurance, and the rest of the premium is invested in a mutual fund. The policyholder will invest his or her money for 5, 10, or even 15 years, and they will accumulate the units.</p>

<p>Unit Linked Insurance Policies offers investors two options, namely, equity, debt, and balanced funds. In an equity fund, you will invest in buying shares of companies; while in debt, you will invest in debt instruments and balanced funds, you will invest equal shares in both equity and debt.</p>

<p>An aggressive investor will select an equity-oriented fund option, and on the other hand, the conservative investor will pick the debt fund option. The returns from the investment will depend upon the concert of the fund chosen by you.</p>
</div>
</section>

<section class="blog">
<div class="blog-content">
<h2 class="section-main-heading">Benefits of investing in Unit Linked Insurance Policies</h2>

<p>By investing in Unit Linked Insurance Policies, you can gain many incredible benefits for your future life. Some of the benefits are listed below.</p>

<ul class="blogList">
	<li>The investors have the freedom to choose their life cover, and they can choose the life cover amount that they want. All <b>ULIP</b> has minimum life cover, which overs ten times the annual premium amount. Depending on the insurance bank and policy, you can pick your life cover that has 40 times the annual premium or even higher.</li>
	<li><a href="/investment-plans" target="_blank">Unit Linked Insurance Policies </a>have two types of funds, and you have the freedom to pick your investment option based on your risk appetite and investment goals. The investors are provided with the option switch to move the amount between debt and equity funds.</li>
	<li>This policy provides you with a beneficial option called partial withdrawal. This allows you to withdraw a part of the amount which was invested in your policy, and it is free of cost.</li>
	<li>This is meant as goal-based planning because it will help you to secure your main goals in life, such as probability for <a href="https://www.bhartiaxa.com/investment-plans/grow-wealth" target="_blank">wealth growth</a>, saving for a child's education, and <a href="https://www.bhartiaxa.com/be-smart/retirement" target="_blank" title="retirement planning">retirement planning</a>.</li>
	<li>By investing in this policy, you can save your tax under the Income Tax Act of 1961. At different stages of life insurance, you can gain a tax deduction while filing for your returns.</li>
</ul>
&nbsp;

<h2 class="section-main-heading">Magnificent tips to reap better returns in Unit Linked Insurance Policies:</h2>

<p>When you invest smartly, you can reap better returns from <a href="/investment-plans/efuture-invest" target="_blank">Unit Linked Insurance Policies (ULIP) </a>. While investing in other insurance policies, they will offer you 4% to 6% returns. Still, in the case of Unit Linked Insurance Policies, they provide you double-digit returns when you invest your money in equity funds.</p>

<p>This policy makes a better investment with good returns on your invested amount without too much risk on the market, and you can also avail tax deduction. The maximizing of the returns of your investments depends upon a lot of factors that you have to consider. You should monitor the market investment to get better returns.</p>

<p>There are some of the best plans provided by <a href="/" target="_blank">top life insurance companies</a> that will help you to invest in the best investment funds. Here are some of the fabulous tips to get better returns from Unit Linked Insurance Policies.</p>

<ul>
	<li>Make use of the switching option</li>
	<li>Relish the benefit from Power of Compounding</li>
	<li>Selecting between debt and equity funds</li>
	<li>Invest in equity funds and avail tax benefit</li>
	<li>Investing with long term goals</li>
	<li>Understand the overall economic scenarios</li>
	<li>Invest in a disciplined approach</li>
	<li>Life stage needs</li>
</ul>
&nbsp;

<h2 class="section-main-heading">Make use of switching options</h2>

<p>For producing better returns, you can use the switching and premium redirection ability which was offered by ULIP to gain a fuller advantage. The investors can move his or her cash into debt funds when the markets are rising and inequities when the markets are downcast.</p>

<p>When you apply this strategy for 2 to 3 times in your investment of 20 years; it will help in attaining your goals.</p>

<h2 class="section-main-heading">Relish the benefit from the power of compounding</h2>

<p>The Unit Linked Investment Plan has a lock period of about five years; so it is a better long term <a href="/investment-plans" target="_blank" title="investment plan">investment plan</a>. If you invested for ten or fifteen years, you could gain profit from the power of compounding, that is the money you have invested has been reinvested for growth after a year.</p>

<p>In case your investment was linked with the financial goal, then it is advisable to invest for at least 10 to 15 years. This plan had generated a return of 12% to 15% in the long term.</p>

<h2 class="section-main-heading">Selecting between equity and debt funds</h2>

<p>Debt and equity funds have different characteristics. In debt funds, there was lower risk, and the returns are lower and stable. While in equity funds, there were high returns and also a high risk.</p>

<p>Unit Linked Investment Plan in debt funds will reduce the risk quotient. They also provide balance funds to create balance on both. But ULIP has 40% of equity exposure, and this makes them comparatively safer options.</p>

<h2 class="section-main-heading">Invest in equity funds and avail tax benefits</h2>

<p>Investing your valuable money in this plan provides you with a benefit to an avail tax deduction, and your money was tax-free from investment to making withdrawals. Unit Linked Equity plan also provides diverse funds options for investors, namely equity funds, debt funds, and balanced funds.</p>

<p>Further, you can gain a <a href="https://www.bhartiaxa.com/be-smart/tax-savings/income-tax-deduction-under-section-80c" target="_blank" title="tax deduction">tax deduction</a> when you file for your returns. Equity funds investment through this plan remains the best option to generate wealth for your future.</p>

<h2 class="section-main-heading">Making investments with long term goal</h2>

<p>The motivation to start investing primarily begins with wealth creation and to save money for future needs, namely, the child's higher education, children's marriage, building a new house, retirement, etc.</p>

<p>If you are investing in building a corpus, then you can switch from equity to debts when you build enough amounts and when closer to the withdrawal.</p>

<h2 class="section-main-heading">Understand the overall economic scenarios</h2>

<p>The investor should perceive various asset classes in different economic scenarios, and this could also impact one's switching decision. If the equity markets look pointedly overrated and luxurious, then the investors should switch to equity funds, and they should only switch back when equity markets become normal.</p>

<p>Many insurance plans provide auto-trigger choices that will favour investors by allowing for automatic switching, depending on the performance of the underlying properties in the fund.</p>

<h2 class="section-main-heading">Invest in a disciplined approach</h2>

<p>The <b>ULIP</b> has a lock period of about five years, and this automatically stimulates the habit of saving in the investor's minds and further helps the investor to generate compounding returns on the <a href="https://www.bhartiaxa.com/be-smart/investments/long-term-investment-plan-and-options-for-better-finanance" target="_blank" title="long term investments">long term investments</a>.</p>

<p>Some of the loyal insurance companies offer benefits such as paying back all charges that were brought while in the activation. These charges may include fund management charges, mortality charges, administration charges, and surrender charges.</p>

<h2 class="section-main-heading">Life stage needs</h2>

<p>The risk appetite of the investor will depend upon in which stage of the life cycle the investor is in, and he or she needs to balance this with his returns available.</p>

<p>Investors tend to obtain more risk factors as their financial responsibilities increase, and as they get older. They should automatically switch from risky equity funds to less risky debt funds as they get older.</p>

<p>By following the remarkable tips which were provided above the investors and policyholders can reap the better returns from Unit Linked Insurance Plans or ULIP.</p>
</div>
</section>


<p>Unit Linked Insurance Policies or <strong>ULIP</strong> is an insurance policy that offers you the perspective of wealth creation by providing the security of life insurance. In this plan, the policyholder should pay the premium either monthly or annually.</p>


Income Tax Deduction under Section 80C

How to Get Better Returns on ULIP Investments | Bharti AXA Life

ULIPs are smart investment plans to get better returns and achieve your long-term financial goals. Learn how to get good returns on ULIP investment.

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How to Get Better Returns on ULIP

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Future Invest Plan

Bharti AXA Life Future Invest - Investment Plan

Bharti AXA Life Future Invest Plan is a investment plan which lets you to invest money for 5 years and providing attractive returns after maturity. Enjoy Tax benefits on the Premiums paid and benefits received.

<h5>Who can buy?</h5>

<table border="0" cellpadding="0" cellspacing="0" width="100%">
	<thead>
		<tr>
			<th>Parameter</th>
			<th>Eligibility</th>
		</tr>
	</thead>
	<tbody>
		<tr>
			<td>Minimum age at entry</td>
			<td>18 years</td>
		</tr>
		<tr>
			<td>Maximum age at entry</td>
			<td>59 years</td>
		</tr>
		<tr>
			<td>Maximum age at Maturity</td>
			<td>69 years</td>
		</tr>
		<tr>
			<td>Policy Term</td>
			<td>10 years</td>
		</tr>
		<tr>
			<td>Premium Payment Term</td>
			<td>Single Pay and 5 Pay</td>
		</tr>
		<tr>
			<td>Premium Modes</td>
			<td>Single/ Annual/ Semi Annual/ Quarterly/ Monthly</td>
		</tr>
	</tbody>
</table>


Who can buy?

<h5>What you will get?</h5>

<ul>
	<li>Flexibility of partial withdrawals.</li>
	<li>Option to stay invested for 5 years post maturity.</li>
	<li>Option of switching and premium redirection to have complete control on your investments.</li>
	<li>You may be eligible for tax benefits for premiums paid as well as benefits received under prevailing tax laws.</li>
</ul>

<h5>Why choose this plan?</h5>

<ul>
	<li>You want to invest money for a limited time frame while also expecting good returns at the end of the policy term</li>
</ul>

<h5>Life Insurance benefit:</h5>

<h5>Death Benefit</h5>

<p>Subject to the Policy being in force, as on the date of death, the death benefit payable under the product will be Higher of:</p>

<ul>
	<li>Sum assured (net of partial withdrawals, made 12 months prior to death of the life insured)</li>
	<li>105% of all premiums paid as on date of death. (excluding underwriting extra)</li>
	<li>Policy Fund Value as on the date of intimation of death</li>
</ul>

<p>Sum Assured will be calculated as per table below:</p>

<table>
	<tbody>
		<tr>
			<td colspan="2" width="623">Premium Payment Term:&nbsp; Single Pay&gt;</td>
		</tr>
		<tr>
			<td width="312">Sum Assured&gt;</td>
			<td width="312">125% of Single Premium&gt;</td>
		</tr>
	</tbody>
</table>

<p>&nbsp;</p>

<table>
	<tbody>
		<tr>
			<td colspan="2" width="623">Premium Payment Term:&nbsp; 5 Years</td>
		</tr>
		<tr>
			<td width="312">Sum Assured</td>
			<td width="312"><br />
			Higher of&nbsp;<br />
			10 times Annualized Premium<br />
			Or<br />
			(0.5* Policy Term* annualized premium) &nbsp;</td>
		</tr>
	</tbody>
</table>

<p>&nbsp; &nbsp;</p>

<p>In case of the death of the Life Insured during the grace period allowed for payment of due premium, the Death Benefit less the outstanding charges shall be payable.</p>


View Details

<h5>Here are the age wise premium rates</h5>

<table border="0" cellpadding="0" cellspacing="0" width="100%">
	<thead>
		<tr>
			<th>Age</th>
			<th>Mortality charge (per '000 SAR) for Male Life</th>
		</tr>
	</thead>
	<tbody>
		<tr>
			<td>18</td>
			<td>0.68</td>
		</tr>
		<tr>
			<td>19</td>
			<td>0.72</td>
		</tr>
		<tr>
			<td>20</td>
			<td>0.75</td>
		</tr>
		<tr>
			<td>21</td>
			<td>0.77</td>
		</tr>
		<tr>
			<td>22</td>
			<td>0.79</td>
		</tr>
		<tr>
			<td>23</td>
			<td>0.8</td>
		</tr>
		<tr>
			<td>24</td>
			<td>0.81</td>
		</tr>
		<tr>
			<td>25</td>
			<td>0.82</td>
		</tr>
		<tr>
			<td>26</td>
			<td>0.83</td>
		</tr>
		<tr>
			<td>27</td>
			<td>0.84</td>
		</tr>
		<tr>
			<td>28</td>
			<td>0.85</td>
		</tr>
		<tr>
			<td>29</td>
			<td>0.87</td>
		</tr>
		<tr>
			<td>30</td>
			<td>0.89</td>
		</tr>
		<tr>
			<td>31</td>
			<td>0.91</td>
		</tr>
		<tr>
			<td>32</td>
			<td>0.95</td>
		</tr>
		<tr>
			<td>33</td>
			<td>0.99</td>
		</tr>
		<tr>
			<td>34</td>
			<td>1.04</td>
		</tr>
		<tr>
			<td>35</td>
			<td>1.1</td>
		</tr>
		<tr>
			<td>36</td>
			<td>1.16</td>
		</tr>
		<tr>
			<td>37</td>
			<td>1.24</td>
		</tr>
		<tr>
			<td>38</td>
			<td>1.33</td>
		</tr>
		<tr>
			<td>39</td>
			<td>1.44</td>
		</tr>
		<tr>
			<td>40</td>
			<td>1.56</td>
		</tr>
		<tr>
			<td>41</td>
			<td>1.7</td>
		</tr>
		<tr>
			<td>42</td>
			<td>1.86</td>
		</tr>
		<tr>
			<td>43</td>
			<td>2.05</td>
		</tr>
		<tr>
			<td>44</td>
			<td>2.27</td>
		</tr>
		<tr>
			<td>45</td>
			<td>2.52</td>
		</tr>
		<tr>
			<td>46</td>
			<td>2.81</td>
		</tr>
		<tr>
			<td>47</td>
			<td>3.13</td>
		</tr>
		<tr>
			<td>48</td>
			<td>3.5</td>
		</tr>
		<tr>
			<td>49</td>
			<td>3.9</td>
		</tr>
		<tr>
			<td>50</td>
			<td>4.33</td>
		</tr>
		<tr>
			<td>51</td>
			<td>4.79</td>
		</tr>
		<tr>
			<td>52</td>
			<td>5.27</td>
		</tr>
		<tr>
			<td>53</td>
			<td>5.77</td>
		</tr>
		<tr>
			<td>54</td>
			<td>6.28</td>
		</tr>
		<tr>
			<td>55</td>
			<td>6.82</td>
		</tr>
		<tr>
			<td>56</td>
			<td>7.37</td>
		</tr>
		<tr>
			<td>57</td>
			<td>7.95</td>
		</tr>
		<tr>
			<td>58</td>
			<td>8.57</td>
		</tr>
		<tr>
			<td>59</td>
			<td>9.23</td>
		</tr>
		<tr>
			<td>60</td>
			<td>9.95</td>
		</tr>
		<tr>
			<td>61</td>
			<td>10.73</td>
		</tr>
		<tr>
			<td>62</td>
			<td>11.58</td>
		</tr>
		<tr>
			<td>63</td>
			<td>12.53</td>
		</tr>
		<tr>
			<td>64</td>
			<td>13.57</td>
		</tr>
		<tr>
			<td>65</td>
			<td>14.72</td>
		</tr>
		<tr>
			<td>66</td>
			<td>15.99</td>
		</tr>
		<tr>
			<td>67</td>
			<td>17.38</td>
		</tr>
		<tr>
			<td>68</td>
			<td>18.91</td>
		</tr>
		<tr>
			<td>69</td>
			<td>20.58</td>
		</tr>
	</tbody>
</table>

<ul>
	<li>Three year setback for female life.</li>
	<li>Rates mentioned here are exclusive of service tax.</li>
</ul>


Premium rates

Ask an Advisor

<p>In this policy, the investment risk in investment portfolio is borne by the policyholder.</p>

<p>An&nbsp;<a href="/investment-plans" target="_blank" title="Investment Plan">Investment Plan</a>&nbsp;where you invest money for a limited time-frame and reap good returns at the end of the policy term. You can enjoy benefits for 10 years while paying Single Premium or paying for 5 years only.</p>


<ul>
	<li>A limited Premium payment plan with a longer term to remain invested</li>
	<li>Zero allocation charges</li>
	<li>Pay once or for 5 years while accruing benefits for 10 along</li>
	<li>flexibility of partial withdrawals</li>
	<li>Tax benefits</li>
</ul>


Bharti AXA Life Future Invest Plan

(UIN:130L049V04)
(ADVT NO:II-Dec-2019-2019)

4 Reasons to Buy

Plan Details

Case 1

How it works?

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Sad Demise

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How it works?

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Sad Demise

Who can buy?

Parameter	Eligibility
Minimum age at entry	18 years
Maximum age at entry	59 years
Maximum age at Maturity	69 years
Policy Term	10 years
Premium Payment Term	Single Pay and 5 Pay
Premium Modes	Single/ Annual/ Semi Annual/ Quarterly/ Monthly

Bharti AXA Life Future Invest Plan

(UIN:130L049V04) (ADVT NO:II-Dec-2019-2019)

4 Reasons to Buy

Plan Details

Case 1

How it works?

Let’s take a look at this case study

Sad Demise

Plan Details

Case 2

How it works?

Let’s take a look at this case study

Sad Demise

Who can buy?

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(UIN:130L049V04)
(ADVT NO:II-Dec-2019-2019)