Bharti AXA Life
Child Advantage
(UIN: 130N065V04)(ADVT No. II-Sep-2024-5515)
A Non-Linked Participating Individual Life Insurance Savings Plan
#MultiplePayoutOptions#PremiumWaiver#MaturityBenefit
Why Choose Bharti AXA Life Child Advantage?
This plan offers you guaranteed payouts at key milestones and waives off all future premiums in case of an unfortunate event, thus ensuring your child’s dreams are never compromised. Along with this, the bonuses accrued, if any, from the end of 1st year onwards are paid out at maturity which ensure additional needs of your child are met in the future. The Life Insurance Benefit acts as contingency fund to allow your family to maintain their standard of living, thus ensuring that nothing comes in the way of your child’s future.
- Dual Payout Options
I) Money back With the money back option, you will get guaranteed pay-outs in the last 5 years before maturity to meet your child’s education needs. At maturity you will get guaranteed maturity pay-out for your child’s higher education and career needs.
II) Endowment With the endowment plan you will get a guaranteed lump sum amount at maturity, provided the Policy is in force, to help meet your child’s dream.
- Premium Waiver Benefit
This ensures that your child’s needs will be taken care of. If something unfortunate were to happen to the parent (Life Insured) the future Premiums are waived off while all the benefits in the policy continue. - Flexible Policy Term
You have the flexibility to choose between 11 and 21 years. Based on your child’s age, you can choose a Policy Term between 11 to 21 years. Also choose the Premium payment type- ‘limited pay’ where the Premium payment term is 5 years lesser than the Policy Term or ‘regular pay’ where the Premium payment term is equal to Policy Term. - Potential Upside with Bonus
Non-guaranteed annual simple reversionary bonus gets accrued to the policy at the end of each year provided all due Premiums are paid and is payable at Maturity. The company may also declare non-guaranteed terminal bonus that will be also be payable at Maturity.
Key Benefits
Dual Maturity Benefit
Potential Upside with Bonus
Dual Premium Payment Terms
Life Insurance Benefit
Tax Benefits**
How Does the Plan Exactly Work?
Bharti AXA Life Child Advantage is a traditional participating plan with an in-built Premium Waiver Benefit. The plan is flexible to suit the requirements of your child and help you plan his/her future. This plan offers you two options:
This option provides a Lump Sum amount at Maturity of the Policy.
You have an option to choose the desired combination of Premium Payment Term and Policy Term as mentioned in the table below:
|
Policy Term |
Limited Premium Payment Term |
Regular Premium Payment Term |
|---|---|---|
|
11 to 21 Years |
Policy Term minus 5 Years(Pay for 5 years less than the Policy Term) |
Same as the Policy Term |
For Endowment Option with Limited Premium Payment Term
The Maturity Benefit along with Accrued Non-Guaranteed Annual Simple Reversionary Bonus (if declared) and Non-Guaranteed Terminal Bonus (if declared) will be paid on Maturity Date of the policy.
For Endowment Option, if something unfortunate were to happen to the parent (Life Insured) the future premiums in the policy are waived off and all the benefits in the policy continue as planned thus ensuring nothing comes in the way of your child’s ambitions. Additionally, a Life Insurance Benefit is also paid out immediately to help your family maintain the standard of living.
This option provides guaranteed payouts in the last 5 policy years.
You have an option to choose the desired combination of Premium Payment Term and Policy Term as mentioned in the table below:
|
Policy Term |
Limited Premium Payment Term |
Regular Premium Payment Term |
|---|---|---|
|
11 to 21 Years |
Policy Term minus 5 Years(Pay for 5 years less than the Policy Term) |
Same as the Policy Term |
For Money Back Option with Limited Premium Payment Term
The Guaranteed Payouts will be made in the last 5 Policy Years and Maturity Benefit along with Accrued Non-Guaranteed Annual Simple Revisionary Bonus (if declared) and Non-Guaranteed Terminal Bonus (if declared) will be paid on Maturity Date of the Policy.
For Money Back Option, if something unfortunate were to happen to the parent (Life Insured) the future premiums in the policy are waived off and all the benefits in the policy continue as planned thus ensuring nothing comes in the way of your child’s ambitions. Additionally, a Life Insurance Benefit is also paid out immediately to help your family maintain the standard of living.
|
Parameter |
Eligibility Criteria |
|
|---|---|---|
|
Premium Type |
Regular Pay |
Limited Pay |
|
Policy Term |
11 to 21 years |
11 to 21 years |
|
Premium Payment Term |
Same as Policy Term |
Policy Term minus 5 years |
|
Minimum age at entry (age last birthday) |
18 Years |
18 years |
|
Maximum age at entry (age last birthday) |
50 years |
55 years |
|
Maximum Maturity Age (age last birthday) |
71 years for Regular pay |
76 years for Limited pay |
|
Minimum Sum Assured |
₹ 25,000 |
|
|
Minimum Annualized Premium |
colspan=2 Depends on the Minimum Sum Assured |
|
|
Premium Payment Modes |
Annual, Semi-annual, Quarterly*, Monthly* |
|
* Through Auto Pay only
Here Are The Age Wise Premium Rates
Sum Assured Band 1: ₹ 25,000 to ₹ 1,50,000
For Regular Pay Option
| Policy Term | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Premium Payment Term | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 |
| Age : 18 | 104.33 | 94.05 | 88.97 | 83.46 | 80.54 | 74.70 | 72.12 | 66.84 | 62.26 | 58.10 | 54.63 |
| 19 | 104.57 | 94.32 | 89.17 | 83.60 | 80.78 | 74.93 | 72.46 | 66.97 | 62.38 | 58.29 | 54.80 |
| 20 | 104.81 | 94.80 | 89.36 | 83.82 | 81.15 | 75.10 | 72.52 | 67.07 | 62.44 | 58.38 | 54.86 |
| 21 | 105.05 | 94.99 | 89.75 | 84.03 | 81.27 | 75.20 | 72.64 | 67.27 | 62.65 | 58.53 | 54.93 |
| 22 | 105.29 | 95.48 | 89.85 | 84.16 | 81.39 | 75.43 | 72.75 | 67.42 | 62.82 | 58.60 | 55.00 |
| 23 | 105.54 | 96.27 | 90.07 | 84.34 | 81.45 | 75.61 | 72.89 | 67.52 | 62.99 | 58.74 | 55.11 |
| 24 | 105.78 | 96.47 | 90.41 | 84.50 | 81.57 | 75.78 | 73.01 | 67.64 | 63.22 | 58.87 | 55.19 |
| 25 | 106.02 | 97.15 | 90.63 | 84.66 | 81.66 | 75.92 | 73.07 | 67.68 | 63.34 | 58.97 | 55.28 |
| 26 | 106.26 | 97.33 | 90.79 | 84.92 | 81.70 | 76.09 | 73.15 | 67.79 | 63.59 | 59.05 | 55.34 |
| 27 | 106.50 | 97.53 | 91.02 | 85.14 | 81.80 | 76.34 | 73.23 | 67.96 | 63.78 | 59.20 | 55.50 |
| 28 | 106.87 | 97.79 | 91.15 | 85.36 | 81.93 | 76.80 | 73.29 | 68.13 | 63.91 | 59.37 | 55.62 |
| 29 | 107.00 | 97.99 | 91.31 | 85.70 | 81.96 | 77.04 | 73.38 | 68.19 | 64.04 | 59.55 | 55.70 |
| 30 | 107.11 | 98.12 | 91.56 | 85.93 | 82.12 | 77.25 | 73.47 | 68.35 | 64.30 | 59.63 | 55.90 |
| 31 | 107.19 | 98.28 | 91.79 | 86.12 | 82.22 | 77.40 | 73.51 | 68.59 | 64.48 | 59.75 | 56.07 |
| 32 | 107.32 | 98.56 | 91.96 | 86.26 | 82.34 | 77.61 | 73.60 | 68.79 | 64.61 | 60.10 | 56.52 |
| 33 | 107.46 | 98.60 | 92.05 | 86.38 | 82.40 | 77.73 | 73.98 | 68.98 | 64.66 | 60.50 | 56.65 |
| 34 | 107.57 | 98.93 | 92.17 | 86.55 | 82.57 | 77.85 | 74.24 | 69.17 | 64.78 | 61.48 | 57.23 |
| 35 | 107.63 | 99.17 | 92.22 | 86.67 | 82.62 | 77.90 | 74.42 | 70.03 | 66.06 | 62.04 | 57.75 |
| 36 | 107.75 | 101.13 | 92.28 | 86.72 | 84.34 | 78.02 | 74.93 | 70.16 | 66.15 | 62.30 | 58.34 |
| 37 | 107.79 | 101.25 | 92.40 | 86.77 | 84.47 | 78.16 | 75.42 | 70.27 | 66.37 | 62.68 | 58.58 |
| 38 | 107.92 | 101.40 | 92.57 | 86.81 | 84.60 | 78.28 | 75.87 | 70.79 | 66.50 | 63.20 | 58.96 |
| 39 | 108.01 | 101.49 | 93.16 | 89.85 | 84.75 | 78.53 | 76.60 | 71.38 | 67.05 | 63.48 | 59.59 |
| 40 | 108.17 | 101.61 | 93.41 | 90.00 | 84.94 | 78.98 | 77.25 | 72.07 | 67.68 | 63.98 | 60.62 |
| 41 | 108.36 | 101.68 | 93.65 | 90.04 | 85.21 | 79.11 | 77.88 | 72.73 | 68.59 | 64.90 | 61.58 |
| 42 | 108.43 | 101.78 | 93.71 | 90.16 | 85.55 | 79.30 | 78.60 | 73.65 | 69.33 | 65.53 | 62.30 |
| 43 | 108.59 | 101.88 | 94.19 | 90.22 | 85.74 | 79.61 | 79.57 | 74.65 | 70.30 | 66.48 | 63.20 |
| 44 | 109.07 | 101.94 | 94.55 | 90.30 | 85.86 | 81.00 | 80.92 | 75.61 | 71.35 | 67.47 | 64.23 |
| 45 | 110.04 | 102.02 | 94.62 | 90.95 | 85.91 | 81.23 | 81.13 | 76.71 | 72.55 | 68.70 | 65.52 |
| 46 | 111.18 | 102.05 | 94.74 | 91.20 | 86.40 | 81.67 | 81.39 | 77.62 | 72.79 | 70.02 | 66.97 |
| 47 | 111.30 | 102.12 | 94.89 | 91.42 | 86.53 | 82.00 | 81.49 | 77.98 | 73.43 | 70.73 | 67.84 |
| 48 | 111.78 | 102.16 | 95.14 | 91.76 | 86.90 | 82.31 | 81.63 | 78.16 | 73.81 | 71.04 | 68.70 |
| 49 | 112.10 | 103.52 | 95.36 | 92.06 | 87.02 | 83.65 | 82.02 | 78.31 | 73.91 | 71.26 | 70.07 |
| 50 | 112.35 | 104.46 | 98.09 | 93.09 | 89.05 | 85.24 | 82.38 | 78.36 | 74.07 | 71.53 | 70.40 |
The Premium rates are in ₹ and are per 1000 Sum Assured. The rates are exclusive of Service Tax. There is a 3 year setback for female life.
Sum Assured Band 1: ₹ 25,000 to ₹ 1,50,000
For Limited Pay Option
| Policy Term | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Premium Payment Term | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 |
| Age : 18 | 178.12 | 153.65 | 134.34 | 119.78 | 109.11 | 98.94 | 90.81 | 82.69 | 74.76 | 68.33 | 62.96 |
| 19 | 178.28 | 153.73 | 134.43 | 119.87 | 109.20 | 99.03 | 90.88 | 82.79 | 74.84 | 68.48 | 63.16 |
| 20 | 178.52 | 153.80 | 134.49 | 119.94 | 109.27 | 99.09 | 91.00 | 82.86 | 74.93 | 68.65 | 63.34 |
| 21 | 178.70 | 153.83 | 134.57 | 119.99 | 109.33 | 99.18 | 91.06 | 82.94 | 75.01 | 68.81 | 63.67 |
| 22 | 178.89 | 153.86 | 134.61 | 120.08 | 109.39 | 99.23 | 91.11 | 83.02 | 75.08 | 68.92 | 63.79 |
| 23 | 178.97 | 153.89 | 134.65 | 120.12 | 109.44 | 99.29 | 91.17 | 83.09 | 75.16 | 69.03 | 63.90 |
| 24 | 179.11 | 153.92 | 134.68 | 120.16 | 109.48 | 99.34 | 91.25 | 83.17 | 75.28 | 69.12 | 64.04 |
| 25 | 179.31 | 153.96 | 134.73 | 120.21 | 109.53 | 99.40 | 91.32 | 83.27 | 75.37 | 69.21 | 64.14 |
| 26 | 179.45 | 154.01 | 134.82 | 120.27 | 109.62 | 99.46 | 91.41 | 83.38 | 75.49 | 69.48 | 64.26 |
| 27 | 179.62 | 154.08 | 134.89 | 120.35 | 109.73 | 99.54 | 91.52 | 83.52 | 75.64 | 69.62 | 64.41 |
| 28 | 179.70 | 154.21 | 134.98 | 120.46 | 109.84 | 99.66 | 91.67 | 83.70 | 75.81 | 69.87 | 64.78 |
| 29 | 179.92 | 154.33 | 135.11 | 120.57 | 109.94 | 99.82 | 91.84 | 83.89 | 76.04 | 70.08 | 65.00 |
| 30 | 180.04 | 154.50 | 135.23 | 120.71 | 110.12 | 99.96 | 92.04 | 84.12 | 76.44 | 70.44 | 65.36 |
| 31 | 180.23 | 154.68 | 135.39 | 120.87 | 110.27 | 100.11 | 92.27 | 84.38 | 76.78 | 70.98 | 65.89 |
| 32 | 180.39 | 154.78 | 135.50 | 121.02 | 110.43 | 100.31 | 92.51 | 84.70 | 77.09 | 71.28 | 66.23 |
| 33 | 180.51 | 154.88 | 135.65 | 121.23 | 110.64 | 100.51 | 92.81 | 85.01 | 77.61 | 71.83 | 66.66 |
| 34 | 180.55 | 155.05 | 135.84 | 121.47 | 110.89 | 100.77 | 93.18 | 85.39 | 78.14 | 72.37 | 67.29 |
| 35 | 180.92 | 155.40 | 136.21 | 121.77 | 111.24 | 101.12 | 93.61 | 85.88 | 79.10 | 73.26 | 67.98 |
| 36 | 181.05 | 155.73 | 136.50 | 122.11 | 111.59 | 101.49 | 94.09 | 86.45 | 79.90 | 73.99 | 68.88 |
| 37 | 181.29 | 156.09 | 136.87 | 122.54 | 112.02 | 101.92 | 94.64 | 87.36 | 80.97 | 75.02 | 69.89 |
| 38 | 181.59 | 156.53 | 137.35 | 122.98 | 112.49 | 102.46 | 95.29 | 88.63 | 82.19 | 76.23 | 70.99 |
| 39 | 182.05 | 157.11 | 137.87 | 123.54 | 113.04 | 103.04 | 95.99 | 89.68 | 82.69 | 77.48 | 72.20 |
| 40 | 182.58 | 157.72 | 138.52 | 124.14 | 113.71 | 103.75 | 96.81 | 90.19 | 82.94 | 77.86 | 72.82 |
| 41 | 183.28 | 158.50 | 139.33 | 124.90 | 114.48 | 104.55 | 97.72 | 90.33 | 83.11 | 78.60 | 73.21 |
| 42 | 184.09 | 159.40 | 140.20 | 125.79 | 115.40 | 105.44 | 98.75 | 91.31 | 84.06 | 78.72 | 73.94 |
| 43 | 185.02 | 160.44 | 141.26 | 126.84 | 116.43 | 106.46 | 99.88 | 92.54 | 84.25 | 78.97 | 74.32 |
| 44 | 186.15 | 161.63 | 142.46 | 128.12 | 117.68 | 107.59 | 101.17 | 92.68 | 84.84 | 79.12 | 74.81 |
| 45 | 187.96 | 163.18 | 143.95 | 129.57 | 119.19 | 108.96 | 102.62 | 92.97 | 85.70 | 79.31 | 75.06 |
| 46 | 189.49 | 164.74 | 145.50 | 131.13 | 120.77 | 110.57 | 104.50 | 93.32 | 86.91 | 79.45 | 77.28 |
| 47 | 191.26 | 166.49 | 147.29 | 132.90 | 122.60 | 112.38 | 104.71 | 93.82 | 87.79 | 79.83 | 79.38 |
| 48 | 193.03 | 168.33 | 149.14 | 134.81 | 124.52 | 114.38 | 105.07 | 94.06 | 87.92 | 81.25 | 80.49 |
| 49 | 194.95 | 170.35 | 151.28 | 136.93 | 126.73 | 116.60 | 106.61 | 95.15 | 89.36 | 82.70 | 82.47 |
| 50 | 197.47 | 172.75 | 153.70 | 139.29 | 129.14 | 119.11 | 108.67 | 97.66 | 91.25 | 84.68 | 83.78 |
| 51 | 199.87 | 175.18 | 156.24 | 141.87 | 130.09 | 119.60 | 110.02 | 98.95 | 92.57 | 86.82 | 85.99 |
| 52 | 202.06 | 177.63 | 158.92 | 143.63 | 130.68 | 120.62 | 111.98 | 102.18 | 94.88 | 89.10 | 87.03 |
| 53 | 204.40 | 180.28 | 159.27 | 144.73 | 131.40 | 122.01 | 112.70 | 105.01 | 97.01 | 91.33 | 89.38 |
| 54 | 207.00 | 180.37 | 159.92 | 145.49 | 132.92 | 122.81 | 114.42 | 107.64 | 100.41 | 94.79 | 91.27 |
| 55 | 207.21 | 180.41 | 160.70 | 146.00 | 133.92 | 124.30 | 116.03 | 109.45 | 102.85 | 96.68 | 92.40 |
The Premium rates are in ₹ and are per 1000 Sum Assured. The rates are exclusive of Service Tax. There is a 3 year setback for female life.
Sum Assured Band 2: ₹ 1,50,001 to ₹ 5,00,000
For Regular Pay Option
| Policy Term | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Premium Payment Term | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 |
| Age : 18 | 99.36 | 89.15 | 83.93 | 78.00 | 74.57 | 68.85 | 65.56 | 60.76 | 56.60 | 52.82 | 49.66 |
| 19 | 99.59 | 89.40 | 84.12 | 78.13 | 74.80 | 69.06 | 65.87 | 60.88 | 56.71 | 52.99 | 49.82 |
| 20 | 99.82 | 89.86 | 84.30 | 78.34 | 75.14 | 69.22 | 65.93 | 60.97 | 56.76 | 53.07 | 49.87 |
| 21 | 100.05 | 90.04 | 84.67 | 78.53 | 75.25 | 69.31 | 66.04 | 61.15 | 56.95 | 53.21 | 49.94 |
| 22 | 100.28 | 90.50 | 84.76 | 78.65 | 75.36 | 69.52 | 66.14 | 61.29 | 57.11 | 53.27 | 50.00 |
| 23 | 100.51 | 91.25 | 84.97 | 78.82 | 75.42 | 69.69 | 66.26 | 61.38 | 57.26 | 53.40 | 50.10 |
| 24 | 100.74 | 91.44 | 85.29 | 78.97 | 75.53 | 69.84 | 66.37 | 61.49 | 57.47 | 53.52 | 50.17 |
| 25 | 100.97 | 92.09 | 85.50 | 79.12 | 75.61 | 69.97 | 66.43 | 61.53 | 57.58 | 53.61 | 50.25 |
| 26 | 101.20 | 92.26 | 85.65 | 79.36 | 75.65 | 70.13 | 66.50 | 61.63 | 57.81 | 53.68 | 50.31 |
| 27 | 101.43 | 92.45 | 85.87 | 79.57 | 75.74 | 70.36 | 66.57 | 61.78 | 57.98 | 53.82 | 50.45 |
| 28 | 101.78 | 92.69 | 85.99 | 79.78 | 75.86 | 70.78 | 66.63 | 61.94 | 58.10 | 53.97 | 50.56 |
| 29 | 101.90 | 92.88 | 86.14 | 80.09 | 75.89 | 71.00 | 66.71 | 61.99 | 58.22 | 54.14 | 50.64 |
| 30 | 102.01 | 93.00 | 86.38 | 80.31 | 76.04 | 71.20 | 66.79 | 62.14 | 58.45 | 54.21 | 50.82 |
| 31 | 102.09 | 93.16 | 86.59 | 80.49 | 76.13 | 71.34 | 66.83 | 62.35 | 58.62 | 54.32 | 50.97 |
| 32 | 102.21 | 93.42 | 86.75 | 80.62 | 76.24 | 71.53 | 66.91 | 62.54 | 58.74 | 54.64 | 51.38 |
| 33 | 102.34 | 93.46 | 86.84 | 80.73 | 76.30 | 71.64 | 67.25 | 62.71 | 58.78 | 55.00 | 51.50 |
| 34 | 102.45 | 93.77 | 86.95 | 80.89 | 76.45 | 71.75 | 67.49 | 62.88 | 58.89 | 55.89 | 52.03 |
| 35 | 102.50 | 94.00 | 87.00 | 81.00 | 76.50 | 71.80 | 67.65 | 63.66 | 60.05 | 56.40 | 52.50 |
| 36 | 102.62 | 95.86 | 87.06 | 81.05 | 78.09 | 71.91 | 68.12 | 63.78 | 60.14 | 56.64 | 53.04 |
| 37 | 102.66 | 95.97 | 87.17 | 81.09 | 78.21 | 72.04 | 68.56 | 63.88 | 60.34 | 56.98 | 53.25 |
| 38 | 102.78 | 96.11 | 87.33 | 81.13 | 78.33 | 72.15 | 68.97 | 64.35 | 60.45 | 57.45 | 53.60 |
| 39 | 102.87 | 96.20 | 87.89 | 83.97 | 78.47 | 72.38 | 69.64 | 64.89 | 60.95 | 57.71 | 54.17 |
| 40 | 103.02 | 96.31 | 88.12 | 84.11 | 78.65 | 72.79 | 70.23 | 65.52 | 61.53 | 58.16 | 55.11 |
| 41 | 103.20 | 96.38 | 88.35 | 84.15 | 78.90 | 72.91 | 70.80 | 66.12 | 62.35 | 59.00 | 55.98 |
| 42 | 103.27 | 96.47 | 88.41 | 84.26 | 79.21 | 73.09 | 71.45 | 66.95 | 63.03 | 59.57 | 56.64 |
| 43 | 103.42 | 96.57 | 88.86 | 84.32 | 79.39 | 73.32 | 72.34 | 67.86 | 63.91 | 60.44 | 57.45 |
| 44 | 103.88 | 96.63 | 89.20 | 84.39 | 79.50 | 73.66 | 73.56 | 68.74 | 64.86 | 61.34 | 58.39 |
| 45 | 104.80 | 96.70 | 89.26 | 85.00 | 79.55 | 73.90 | 73.75 | 69.74 | 65.95 | 62.45 | 59.56 |
| 46 | 105.89 | 96.73 | 89.38 | 85.23 | 80.00 | 74.01 | 73.99 | 70.56 | 66.17 | 63.65 | 60.88 |
| 47 | 106.00 | 96.80 | 89.52 | 85.44 | 80.12 | 74.97 | 74.08 | 70.89 | 66.75 | 64.30 | 61.67 |
| 48 | 106.46 | 96.83 | 89.75 | 85.76 | 80.46 | 75.86 | 74.21 | 71.05 | 67.10 | 64.58 | 62.45 |
| 49 | 106.76 | 98.12 | 89.96 | 86.04 | 80.57 | 77.10 | 74.56 | 71.19 | 67.19 | 64.78 | 63.70 |
| 50 | 107.00 | 99.01 | 92.54 | 87.00 | 82.45 | 78.56 | 74.89 | 71.24 | 67.34 | 65.03 | 64.00 |
The Premium rates are in ₹ and are per 1000 Sum Assured. The rates are exclusive of Service Tax. There is a 3 year setback for female life.
Sum Assured Band 2: ₹ 1,50,001 to ₹ 5,00,000
For Limited Pay Option
| Policy Term | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Premium Payment Term | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 |
| Age : 18 | 169.64 | 145.64 | 126.74 | 111.94 | 101.03 | 91.19 | 82.55 | 75.17 | 67.96 | 62.12 | 57.24 |
| 19 | 169.79 | 145.72 | 126.82 | 112.03 | 101.11 | 91.27 | 82.62 | 75.26 | 68.04 | 62.25 | 57.42 |
| 20 | 170.02 | 145.78 | 126.88 | 112.09 | 101.18 | 91.33 | 82.73 | 75.33 | 68.12 | 62.41 | 57.58 |
| 21 | 170.19 | 145.81 | 126.95 | 112.14 | 101.23 | 91.41 | 82.78 | 75.40 | 68.19 | 62.55 | 57.88 |
| 22 | 170.37 | 145.84 | 126.99 | 112.22 | 101.29 | 91.46 | 82.83 | 75.47 | 68.25 | 62.65 | 57.99 |
| 23 | 170.45 | 145.87 | 127.03 | 112.26 | 101.33 | 91.51 | 82.88 | 75.54 | 68.33 | 62.75 | 58.09 |
| 24 | 170.58 | 145.90 | 127.06 | 112.30 | 101.37 | 91.56 | 82.95 | 75.61 | 68.44 | 62.84 | 58.22 |
| 25 | 170.77 | 145.93 | 127.10 | 112.35 | 101.42 | 91.61 | 83.02 | 75.70 | 68.52 | 62.92 | 58.31 |
| 26 | 170.90 | 145.98 | 127.19 | 112.40 | 101.50 | 91.67 | 83.10 | 75.80 | 68.63 | 63.16 | 58.42 |
| 27 | 171.07 | 146.05 | 127.25 | 112.48 | 101.60 | 91.74 | 83.20 | 75.93 | 68.76 | 63.29 | 58.55 |
| 28 | 171.14 | 146.17 | 127.34 | 112.58 | 101.70 | 91.85 | 83.34 | 76.09 | 68.92 | 63.52 | 58.89 |
| 29 | 171.35 | 146.28 | 127.46 | 112.68 | 101.80 | 92.00 | 83.49 | 76.26 | 69.13 | 63.71 | 59.09 |
| 30 | 171.47 | 146.45 | 127.58 | 112.81 | 101.96 | 92.13 | 83.67 | 76.47 | 69.49 | 64.04 | 59.42 |
| 31 | 171.65 | 146.62 | 127.73 | 112.96 | 102.10 | 92.27 | 83.88 | 76.71 | 69.80 | 64.53 | 59.90 |
| 32 | 171.80 | 146.71 | 127.83 | 113.10 | 102.25 | 92.45 | 84.10 | 77.00 | 70.08 | 64.80 | 60.21 |
| 33 | 171.91 | 146.81 | 127.97 | 113.30 | 102.44 | 92.64 | 84.37 | 77.28 | 70.55 | 65.30 | 60.60 |
| 34 | 171.95 | 146.97 | 128.15 | 113.52 | 102.68 | 92.88 | 84.71 | 77.63 | 71.04 | 65.79 | 61.17 |
| 35 | 172.30 | 147.30 | 128.50 | 113.80 | 103.00 | 93.20 | 85.10 | 78.07 | 71.91 | 66.60 | 61.80 |
| 36 | 172.43 | 147.61 | 128.77 | 114.12 | 103.32 | 93.54 | 85.54 | 78.59 | 72.64 | 67.26 | 62.62 |
| 37 | 172.66 | 147.95 | 129.12 | 114.52 | 103.72 | 93.94 | 86.04 | 79.42 | 73.61 | 68.20 | 63.54 |
| 38 | 172.94 | 148.37 | 129.58 | 114.93 | 104.16 | 94.43 | 86.63 | 80.57 | 74.72 | 69.30 | 64.54 |
| 39 | 173.38 | 148.92 | 130.07 | 115.46 | 104.67 | 94.97 | 87.26 | 81.53 | 75.17 | 70.44 | 65.64 |
| 40 | 173.89 | 149.50 | 130.68 | 116.02 | 105.29 | 95.62 | 88.01 | 81.99 | 75.40 | 70.78 | 66.20 |
| 41 | 174.55 | 150.24 | 131.44 | 116.73 | 106.00 | 96.36 | 88.84 | 82.12 | 75.55 | 71.45 | 66.55 |
| 42 | 175.32 | 151.09 | 132.26 | 117.56 | 106.85 | 97.18 | 89.77 | 83.01 | 76.42 | 71.56 | 67.22 |
| 43 | 176.21 | 152.08 | 133.26 | 118.54 | 107.81 | 98.12 | 90.80 | 84.13 | 76.59 | 71.79 | 67.56 |
| 44 | 177.29 | 153.20 | 134.40 | 119.74 | 108.96 | 99.16 | 91.97 | 84.25 | 77.13 | 71.93 | 68.01 |
| 45 | 179.01 | 154.67 | 135.80 | 121.09 | 110.36 | 100.42 | 93.29 | 84.52 | 77.91 | 72.10 | 68.24 |
| 46 | 180.47 | 156.15 | 137.26 | 122.55 | 111.82 | 101.91 | 95.00 | 84.84 | 79.01 | 72.23 | 70.25 |
| 47 | 182.15 | 157.81 | 138.95 | 124.21 | 113.52 | 103.58 | 95.19 | 85.29 | 79.81 | 72.57 | 72.16 |
| 48 | 183.84 | 159.55 | 140.70 | 125.99 | 115.30 | 105.42 | 95.52 | 85.51 | 79.93 | 73.86 | 73.17 |
| 49 | 185.67 | 161.47 | 142.72 | 127.97 | 117.34 | 107.47 | 96.92 | 86.50 | 81.24 | 75.18 | 74.97 |
| 50 | 188.07 | 163.74 | 145.00 | 130.18 | 119.57 | 109.78 | 98.79 | 88.78 | 82.95 | 76.98 | 76.16 |
| 51 | 190.35 | 166.05 | 147.40 | 132.59 | 120.45 | 110.23 | 100.02 | 89.95 | 84.15 | 78.93 | 78.17 |
| 52 | 192.44 | 168.37 | 149.92 | 134.23 | 121.00 | 111.17 | 101.80 | 92.89 | 86.25 | 81.00 | 79.12 |
| 53 | 194.67 | 170.88 | 150.25 | 135.26 | 121.67 | 112.45 | 102.45 | 95.46 | 88.19 | 83.03 | 81.25 |
| 54 | 197.14 | 170.97 | 150.87 | 135.97 | 123.07 | 113.19 | 104.02 | 97.85 | 91.28 | 86.17 | 82.97 |
| 55 | 197.34 | 171.00 | 151.60 | 136.45 | 124.00 | 114.56 | 105.48 | 99.50 | 93.50 | 87.89 | 84.00 |
The Premium rates are in ₹ and are per 1000 Sum Assured. The rates are exclusive of Service Tax. There is a 3 year setback for female life.
Sum Assured Band 3: ₹ 5,00,001 and above
For Regular Pay Option
| Policy Term | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Premium Payment Term | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 |
| Age : 18 | 96.88 | 86.92 | 81.83 | 76.05 | 72.71 | 67.13 | 63.92 | 59.24 | 55.19 | 51.50 | 48.42 |
| 19 | 97.10 | 87.17 | 82.02 | 76.18 | 72.93 | 67.33 | 64.22 | 59.36 | 55.29 | 51.67 | 48.57 |
| 20 | 97.32 | 87.61 | 82.19 | 76.38 | 73.26 | 67.49 | 64.28 | 59.45 | 55.34 | 51.74 | 48.62 |
| 21 | 97.55 | 87.79 | 82.55 | 76.57 | 73.37 | 67.58 | 64.39 | 59.62 | 55.53 | 51.88 | 48.69 |
| 22 | 97.77 | 88.24 | 82.64 | 76.68 | 73.48 | 67.78 | 64.49 | 59.76 | 55.68 | 51.94 | 48.75 |
| 23 | 98.00 | 88.97 | 82.85 | 76.85 | 73.53 | 67.95 | 64.60 | 59.85 | 55.83 | 52.07 | 48.85 |
| 24 | 98.22 | 89.15 | 83.16 | 77.00 | 73.64 | 68.09 | 64.71 | 59.95 | 56.03 | 52.18 | 48.92 |
| 25 | 98.45 | 89.79 | 83.36 | 77.14 | 73.72 | 68.22 | 64.77 | 59.99 | 56.14 | 52.27 | 48.99 |
| 26 | 98.67 | 89.95 | 83.51 | 77.38 | 73.76 | 68.38 | 64.84 | 60.09 | 56.36 | 52.34 | 49.05 |
| 27 | 98.89 | 90.14 | 83.72 | 77.58 | 73.85 | 68.60 | 64.91 | 60.24 | 56.53 | 52.47 | 49.19 |
| 28 | 99.24 | 90.37 | 83.84 | 77.79 | 73.96 | 69.01 | 64.96 | 60.39 | 56.65 | 52.62 | 49.30 |
| 29 | 99.35 | 90.56 | 83.99 | 78.09 | 73.99 | 69.23 | 65.04 | 60.44 | 56.76 | 52.79 | 49.37 |
| 30 | 99.46 | 90.68 | 84.22 | 78.30 | 74.14 | 69.42 | 65.12 | 60.59 | 56.99 | 52.85 | 49.55 |
| 31 | 99.54 | 90.83 | 84.43 | 78.48 | 74.23 | 69.56 | 65.16 | 60.79 | 57.15 | 52.96 | 49.70 |
| 32 | 99.65 | 91.08 | 84.58 | 78.60 | 74.33 | 69.74 | 65.24 | 60.98 | 57.27 | 53.27 | 50.10 |
| 33 | 99.78 | 91.12 | 84.67 | 78.71 | 74.39 | 69.85 | 65.57 | 61.14 | 57.31 | 53.63 | 50.21 |
| 34 | 99.89 | 91.43 | 84.78 | 78.87 | 74.54 | 69.96 | 65.80 | 61.31 | 57.42 | 54.49 | 50.73 |
| 35 | 99.94 | 91.65 | 84.83 | 78.98 | 74.59 | 70.01 | 65.96 | 62.07 | 58.55 | 54.99 | 51.19 |
| 36 | 100.05 | 93.46 | 84.88 | 79.02 | 76.14 | 70.11 | 66.42 | 62.19 | 58.64 | 55.22 | 51.71 |
| 37 | 100.09 | 93.57 | 84.99 | 79.06 | 76.25 | 70.24 | 66.85 | 62.28 | 58.83 | 55.56 | 51.92 |
| 38 | 100.21 | 93.71 | 85.15 | 79.10 | 76.37 | 70.35 | 67.25 | 62.74 | 58.94 | 56.01 | 52.26 |
| 39 | 100.30 | 93.80 | 85.69 | 81.87 | 76.51 | 70.57 | 67.90 | 63.27 | 59.43 | 56.27 | 52.82 |
| 40 | 100.44 | 93.90 | 85.92 | 82.01 | 76.68 | 70.97 | 68.47 | 63.88 | 59.99 | 56.71 | 53.73 |
| 41 | 100.62 | 93.97 | 86.14 | 82.05 | 76.93 | 71.09 | 69.03 | 64.47 | 60.79 | 57.53 | 54.58 |
| 42 | 100.69 | 94.06 | 86.20 | 82.15 | 77.23 | 71.26 | 69.66 | 65.28 | 61.45 | 58.08 | 55.22 |
| 43 | 100.83 | 94.16 | 86.64 | 82.21 | 77.41 | 71.49 | 70.53 | 66.16 | 62.31 | 58.93 | 56.01 |
| 44 | 101.28 | 94.21 | 86.97 | 82.28 | 77.51 | 71.82 | 71.72 | 67.02 | 63.24 | 59.81 | 56.93 |
| 45 | 102.18 | 94.28 | 87.03 | 82.88 | 77.56 | 72.05 | 71.91 | 68.00 | 64.30 | 60.89 | 58.07 |
| 46 | 103.24 | 94.31 | 87.15 | 83.10 | 78.00 | 72.16 | 72.14 | 68.80 | 64.52 | 62.06 | 59.36 |
| 47 | 103.35 | 94.38 | 87.28 | 83.30 | 78.12 | 73.10 | 72.23 | 69.12 | 65.08 | 62.69 | 60.13 |
| 48 | 103.80 | 94.41 | 87.51 | 83.62 | 78.45 | 73.96 | 72.35 | 69.27 | 65.42 | 62.97 | 60.89 |
| 49 | 104.09 | 95.67 | 87.71 | 83.89 | 78.56 | 75.17 | 72.70 | 69.41 | 65.51 | 63.16 | 62.11 |
| 50 | 104.33 | 96.53 | 90.23 | 84.83 | 80.39 | 76.60 | 73.02 | 69.46 | 65.66 | 63.40 | 62.40 |
The Premium rates are in ₹ and are per 1000 Sum Assured. The rates are exclusive of Service Tax. There is a 3 year setback for female life.
Sum Assured Band 3: ₹ 5,00,001 and above
For Limited Pay Option
| Policy Term | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Premium Payment Term | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 |
| Age : 18 | 165.40 | 142.00 | 123.57 | 109.14 | 98.50 | 88.91 | 80.49 | 73.29 | 66.26 | 60.57 | 55.81 |
| 19 | 165.55 | 142.08 | 123.65 | 109.23 | 98.58 | 88.99 | 80.55 | 73.38 | 66.34 | 60.69 | 55.98 |
| 20 | 165.77 | 142.14 | 123.71 | 109.29 | 98.65 | 89.05 | 80.66 | 73.45 | 66.42 | 60.85 | 56.14 |
| 21 | 165.94 | 142.16 | 123.78 | 109.34 | 98.70 | 89.12 | 80.71 | 73.52 | 66.49 | 60.99 | 56.43 |
| 22 | 166.11 | 142.19 | 123.82 | 109.41 | 98.76 | 89.17 | 80.76 | 73.58 | 66.54 | 61.08 | 56.54 |
| 23 | 166.19 | 142.22 | 123.85 | 109.45 | 98.80 | 89.22 | 80.81 | 73.65 | 66.62 | 61.18 | 56.64 |
| 24 | 166.32 | 142.25 | 123.88 | 109.49 | 98.84 | 89.27 | 80.88 | 73.72 | 66.73 | 61.27 | 56.76 |
| 25 | 166.50 | 142.28 | 123.92 | 109.54 | 98.88 | 89.32 | 80.94 | 73.81 | 66.81 | 61.35 | 56.85 |
| 26 | 166.63 | 142.33 | 124.01 | 109.59 | 98.96 | 89.38 | 81.02 | 73.91 | 66.91 | 61.58 | 56.96 |
| 27 | 166.79 | 142.40 | 124.07 | 109.67 | 99.06 | 89.45 | 81.12 | 74.03 | 67.04 | 61.71 | 57.09 |
| 28 | 166.86 | 142.52 | 124.16 | 109.77 | 99.16 | 89.55 | 81.26 | 74.19 | 67.20 | 61.93 | 57.42 |
| 29 | 167.07 | 142.62 | 124.27 | 109.86 | 99.26 | 89.70 | 81.40 | 74.35 | 67.40 | 62.12 | 57.61 |
| 30 | 167.18 | 142.79 | 124.39 | 109.99 | 99.41 | 89.83 | 81.58 | 74.56 | 67.75 | 62.44 | 57.93 |
| 31 | 167.36 | 142.95 | 124.54 | 110.14 | 99.55 | 89.96 | 81.78 | 74.79 | 68.06 | 62.92 | 58.40 |
| 32 | 167.51 | 143.04 | 124.63 | 110.27 | 99.69 | 90.14 | 82.00 | 75.08 | 68.33 | 63.18 | 58.70 |
| 33 | 167.61 | 143.14 | 124.77 | 110.47 | 99.88 | 90.32 | 82.26 | 75.35 | 68.79 | 63.67 | 59.09 |
| 34 | 167.65 | 143.30 | 124.95 | 110.68 | 100.11 | 90.56 | 82.59 | 75.69 | 69.26 | 64.15 | 59.64 |
| 35 | 167.99 | 143.62 | 125.29 | 110.96 | 100.43 | 90.87 | 82.97 | 76.12 | 70.11 | 64.94 | 60.26 |
| 36 | 168.12 | 143.92 | 125.55 | 111.27 | 100.74 | 91.20 | 83.40 | 76.63 | 70.82 | 65.58 | 61.05 |
| 37 | 168.34 | 144.25 | 125.89 | 111.66 | 101.13 | 91.59 | 83.89 | 77.43 | 71.77 | 66.50 | 61.95 |
| 38 | 168.62 | 144.66 | 126.34 | 112.06 | 101.56 | 92.07 | 84.46 | 78.56 | 72.85 | 67.57 | 62.93 |
| 39 | 169.05 | 145.20 | 126.82 | 112.57 | 102.05 | 92.60 | 85.08 | 79.49 | 73.29 | 68.68 | 64.00 |
| 40 | 169.54 | 145.76 | 127.41 | 113.12 | 102.66 | 93.23 | 85.81 | 79.94 | 73.52 | 69.01 | 64.55 |
| 41 | 170.19 | 146.48 | 128.15 | 113.81 | 103.35 | 93.95 | 86.62 | 80.07 | 73.66 | 69.66 | 64.89 |
| 42 | 170.94 | 147.31 | 128.95 | 114.62 | 104.18 | 94.75 | 87.53 | 80.93 | 74.51 | 69.77 | 65.54 |
| 43 | 171.80 | 148.28 | 129.93 | 115.58 | 105.11 | 95.67 | 88.53 | 82.03 | 74.68 | 70.00 | 65.87 |
| 44 | 172.86 | 149.37 | 131.04 | 116.75 | 106.24 | 96.68 | 89.67 | 82.14 | 75.20 | 70.13 | 66.31 |
| 45 | 174.53 | 150.80 | 132.41 | 118.06 | 107.60 | 97.91 | 90.96 | 82.41 | 75.96 | 70.30 | 66.53 |
| 46 | 175.96 | 152.25 | 133.83 | 119.49 | 109.02 | 99.36 | 92.63 | 82.72 | 77.03 | 70.42 | 68.49 |
| 47 | 177.60 | 153.86 | 135.48 | 121.10 | 110.68 | 100.99 | 92.81 | 83.16 | 77.81 | 70.76 | 70.36 |
| 48 | 179.24 | 155.56 | 137.18 | 122.84 | 112.42 | 102.78 | 93.13 | 83.37 | 77.93 | 72.01 | 71.34 |
| 49 | 181.03 | 157.43 | 139.15 | 124.77 | 114.41 | 104.78 | 94.50 | 84.34 | 79.21 | 73.30 | 73.10 |
| 50 | 183.37 | 159.65 | 141.38 | 126.93 | 116.58 | 107.04 | 96.32 | 86.56 | 80.88 | 75.06 | 74.26 |
| 51 | 185.59 | 161.90 | 143.72 | 129.28 | 117.44 | 107.47 | 97.52 | 87.70 | 82.05 | 76.96 | 76.22 |
| 52 | 187.63 | 164.16 | 146.17 | 130.87 | 117.98 | 108.39 | 99.26 | 90.57 | 84.09 | 78.98 | 77.14 |
| 53 | 189.80 | 166.61 | 146.49 | 131.88 | 118.63 | 109.64 | 99.89 | 93.07 | 85.99 | 80.95 | 79.22 |
| 54 | 192.21 | 166.70 | 147.10 | 132.57 | 119.99 | 110.36 | 101.42 | 95.40 | 89.00 | 84.02 | 80.90 |
| 55 | 192.41 | 166.73 | 147.81 | 133.04 | 120.90 | 111.70 | 102.84 | 97.01 | 91.16 | 85.69 | 81.90 |
The Premium rates are in ₹ and are per 1000 Sum Assured. The rates are exclusive of Service Tax. There is a 3 year setback for female life.

Make Your Plan with Ease
Pick a Pay-out Option
Choose one of the options, as per your financial goals.
Money Back Option
Under this option, 40% of Sum Assured will be paid on Maturity Date at the end of the Policy Term. This option also offers Guaranteed Payouts (adding up to 70% of the sum assured) which would be as defined in Guaranteed Payouts section.
Note: The Money Back or Endowment Option should be chosen at inception of the Policy and cannot be changed during the Policy Term.
Endowment Option
Money Back Option
Under this option, 40% of Sum Assured will be paid on Maturity Date at the end of the Policy Term. This option also offers Guaranteed Payouts (adding up to 70% of the sum assured) which would be as defined in Guaranteed Payouts section.
Note: The Money Back or Endowment Option should be chosen at inception of the Policy and cannot be changed during the Policy Term.
Endowment Option
Under this option, 125% of Sum Assured will be paid on Maturity Date at the end of the Policy Term. No Guaranteed Payouts would be paid under this option.
Note: The Money Back or Endowment Option should be chosen at inception of the Policy and cannot be changed during the Policy Term.
Now, Add a Rider
You may enhance your protection under this Plan by opting for the following rider(s):
Bharti AXA Life Hospi Cash Rider (UIN:130B007V05):
This rider allows payment of a fixed benefit for each day of hospitalization and also provides lump sum benefit in case of surgery.
Bharti AXA Life Term Rider (UIN: 130B009V03):
Under this term 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 Non Linked Complete Shield Rider (UIN:130B011V02):
Receive additional sum assured chosen under the rider in case of happening of a covered event.
Insurance Jargon Explained
Maturity Benefit
It is the amount which the insurance company pays to the policy holder on the completion of the Policy Term, if the Life Insured has survived the entire duration of the Policy. This amount includes the guaranteed sum of money called as Sum Assured on Maturity and also the Accrued Bonuses, if applicable.
Insurability
Insurability refers to all conditions pertaining to individuals seeking insurance; that affect their health, susceptibility to injury and life expectancy; an individual's risk profile.
Premium
The payment, or one of the regular periodic payments, that a policyholder makes to an insurer in exchange for the insurer's obligation to pay benefits upon the occurrence of the contractually-specified contingency (e.g., death).
Sum Assured
Sum assured is the amount that an insurer agrees to pay on the occurrence of a stated contingency (eg: Death).
**Tax benefits are in accordance to the current tax laws that are subjected to change from time to time.
#For 30 Year Old Male, Endowment Plan Option, online purchase of policy excluding underwriting extra premium. ^As lumpsum payout at the end of 20th year.


