Bharti AXA Life Dhan Varsha

(ADVT NO:II-Jul-2022-4072)

A Non-Linked Participating Individual Life Insurance Savings Plan

A traditional non linked participating plan that offers you Non-Guaranteed Cash Bonuses from the 7th year, Guaranteed* Survival Benefits from the 10th year onwards, as well as a lump sum at the end of the Policy Term. All these while protecting your family's future.

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

4 Reasons to Buy

  • Flexible Premium Paying Terms
  • Annual benefits in the form of Non Guaranteed cash bonuses(if declared) and Guaranteed* Survival Benefits payable during the Policy Term.
  • Option for benefits to continue even after the death of the life insured (when Premium Waiver Rider is opted)
  • Sum Assured on Maturity payable on Maturity of the Policy

*Survival Benefit guaranteed subject to the policy being in force and all due premiums being paid

Bharti Axa

Plan Details

How it works?

Let’s take a look at this case study

Aditya is a healthy 30 year old. He is working with an MNC and has recently got 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 a Premium Payment Term of 15 years. His Sum Assured under the plan is Rs. 1,085,069

  • He chooses to pay an annual premium of ₹ 100,000 for a PPT of 15 years.


  • He starts receiving Non-Guaranteed Cash Bonuses from the end of the 7th year which would be ₹ 5,425 p.a. at 4%#or ₹ 50,456 p.a. at 8%#.


  • He receives Guaranteed* Survival Benefits of ₹ 65,104 p.a.from the end of the 10th year.


  • He finishes paying the premiums.


  • He receives the Sum Assured on Maturity of ₹ 1,085,069


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

Disclaimer : *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

Bharti AXA Life Guaranteed Wealth Pro
Invest Rs. 5,000#/Month for 10 years | Get Rs. 14,39,732^
Parameter Eligibility Criteria
Minimum Age# at entry 91 days
Maximum Age# at entry 55 years for Policy Term of 20 years
50 years for Policy Term of 25 years
Maximum Age# at Maturity entry 75 years
Premium Payment Term & Policy Terrm
10 years Premium Payment Term for 20 years Policy Term
15 years Premium Payment Term for 25 years Policy Term
Minimum Sum Assured (₹) ₹ 25,000
Maximum Sum Assured (₹) No Limit, subject to underwriting
Minimum Premium (₹)
₹ 3443 for Policy Term of 20 years
₹ 2515 for Policy Term of 25 years
Premium Payment Modes Annual, semi- annual, quarterly* & monthly*

* Through auto pay only
# - Age last birthday

#For 30 Year Old Male, Endowment Plan Option, online purchase of policy excluding underwriting extra premium & GST. ^As lumpsum payout at the end of 20th year.