Bharti AXA Life Dhan Varsha
(UIN:130N070V04)
(ADVT NO:II-Dec-2019-1999)
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.
4 Reasons to Buy
- Flexible Premium Paying Terms
- Annual benefits in the form of Non Guaranteed cash bonuses 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)
- 100% of the sum assured payable as maturity benefit
*Survival Benefit guaranteed subject to the policy being in force and all due premiums being paid
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 to Premium Payment Term of 15 years. His Sum Assured under the plan is Rs. 1,085,069
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He chooses to pay an annual premium of ₹ 100,000 for a PPT of 15 years.
1ST POLICY YEAR
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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%#.
7TH POLICY YEAR
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He receives Guaranteed* Survival Benefits of ₹ 65,104 p.a.from the end of the 10th year.
10TH POLICY YEAR
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He finishes paying the premiums.
15TH POLICY YEAR
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He receives the Sum Assured on Maturity of ₹ 1,085,069
25TH POLICY YEAR
Disclaimer: # 4% and 8% rates are used only for illustration purposes and are not guaranteed. The values represented with 4% & 8% are not the upper or lower limits of what one can expect from this policy, as it is dependent on number of factors including investment performance
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.
| 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
and 
used belong to the Bharti Enterprises (Holdings) Private Ltd. and AXA SA respectively and are used by Bharti AXA Life Insurance under license.