Whatsapp Icon

Bharti AXA Life
Dhan Varsha

A Non-Linked Participating Individual Life Insurance Savings Plan

(UIN: 130N070V04)(ADVT No. II-Jul-2022-4072)
A Non-Linked Participating Individual Life Insurance Savings Plan


Why Choose Bharti AXA Life Dhan Varsha?

Bharti AXA Life Dhan Varsha is a non-linked participating individual life insurance savings plan that provides you Guaranteed* Survival Benefits from the end of the 10th year onwards until Maturity (except in the policy year coinciding with maturity) and annual cash bonuses (if declared) from end of the 7th year onwards until maturity. It also provides life insurance benefit to ensure your family is secured and their needs are met at all times, in case of an unfortunate event.


*Survival Benefits guaranteed subject to policy being in force and all due premiums being paid.


  • Dual Policy Term & Premium Payment Term Options
    The product offers you the choice of two policy terms of 20 years and 25 years with premium payment terms of 10 years and 15 years respectively at inception of your policy.
  • Guaranteed Survival Benefits
    The product assures Guaranteed Survival Benefits until Maturity (except in the policy year coinciding with maturity). Once you complete the 10th Policy year, you will start receiving the survival benefit up to one year before maturity or death of Life Insured, whichever is earlier, subject to policy being in force. The Guaranteed Survival Benefit will be 6% of Sum Assured.
  • Potential Cash Bonuses
    The product also offers non-guaranteed cash bonuses (if declared) subject to the policy being in force. The Policy participates in the performance of the participating insurance fund and surplus is distributed as bonus. This Non-guaranteed benefit which is calculated as a percentage of Sum Assured is paid out as a cash bonus every year starting from the end of the 7th Policy year, until maturity or death, whichever is earlier.
  • Life Insurance
    The product offers life insurance benefit which is paid out in case of the unfortunate event of death of life insured.
  • Tax Benefits
    You may be eligible for tax benefits on the premiums paid as well as the benefits received as per the prevailing tax laws. The tax benefits are subject to change as per change in tax laws from time to time.
  • Maturity Benefit
    Sum Assured on Maturity, which is the Sum Assured applicable under the Policy, is paid if the Life Insured survives till the Maturity of the Policy and the policy is in force.

Key Benefits

Maturity Benefit

Potential Cash Bonus

Dual Premium Payment Terms

Tax Benefits**

How Does the Product Work?


Let’s look at this case study :


Aditya is 30 years old. He is working with an MNC and has recently gotten married. He is looking at investing in a life insurance product because he wants a plan that will not only help him build his assets but will also help in providing protection to his wife and in time his family, in case something unfortunate were to happen to him.


He purchases a policy of Bharti AXA Life Dhan Varsha, and selects a policy term of 25 years. He chooses to pay a premium of 100,000 for a premium payment term of 15 years. His Sum Assured under the plan is 10,85,069.


Sum Assured on Maturity ₹ 10,85,069
Guaranteed Survival Benefit (from end of 10th Policy Year) ₹ 65,104 p.a
Total Guaranteed Benefit received over policy term of 25 years ₹ 20,61,629
  @ 8%* @ 4%*
Non-Guaranteed Cash Bonuses (from end of 7th Policy Year) ₹ 50,456 p.a ₹ 5,425 p.a
Total Non-Guaranteed Cash Bonuses received over policy term of 25 years ₹ 958,664 ₹ 103,075


Sad Demise

In case of unfortunate event of Death, Death benefit paid out will be the higher of Sum

Assured on Death or 105% of Premiums paid till date of Death.

For e.g., in case of unfortunate event of death of Aditya in the 12th Policy Year, the Death

benefit will be higher of the following:

Sum Assured on Death = 10,85,069

105% of Premiums paid till date of death = 12,60,000

Thus, Aditya's family will receive 12,60,000 as the Death benefit

*The gross rate of return shown above is the return earned on the participating fund of the company

*4% and 8% rates are used only for illustration purposes and are not guaranteed


Needs met

  • The regular payouts of this policy can help Aditya to build a corpus or invest in other financial options which will help build a financial reserve that can be used in subsequent years.
  • The Life Insurance benefit of the Policy ensures that if Aditya dies before the policy matures his family will receive the death benefit.
Bharti AXA Life Guaranteed Wealth Pro
Invest Rs. 5,000#/Month for 10 years | Get Rs. 14,39,764^

Make Your Plan with Ease

Pick Premium Payment Mode

Choose one of the options, as per your financial goals.


0.0867 of Annualized Premium


0.26 of Annualized Premium


0.51 of Annualized Premium


0.0867 of Annualized Premium


0.26 of Annualized Premium


0.51 of Annualized Premium

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:130B007V04):

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 Premium Waiver Rider (UIN: 130B005V04):

Under this rider future premiums will be waived off in case of critical illness (for rider taken by Life Insured) and under Critical Illness/Death or ATPD/both in case Rider is taken by proposer).

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.

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 refers to all conditions pertaining to individuals seeking insurance; that affect their health, susceptibility to injury and life expectancy; an individual's risk profile.


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.