Bharti AXA Life Dhan Varsha

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.

  1^ST POLICY YEAR

• 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%^#.

  7^TH POLICY YEAR

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

  10^TH POLICY YEAR

• He finishes paying the premiums.

  15^TH POLICY YEAR

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

  25^TH POLICY YEAR

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^{^}

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