Bharti AXA Life Flexi Save

(ADVT NO:II-Jul-2022-4096)

savings plan that helps you save towards meeting your goals, at the same time it gives you the flexibility of withdrawing your savings with all the benefits accrued, anytime during the Flexi benefit period.

4 Reasons to Buy

  • Flexibility of withdrawing your savings anytime during the Flexi benefit period by modifying your Policy Term while the Policy is in force. Anytime during the Flexi benefit period, you can decide to pre-pone the Maturity benefit of your policy and enjoy the full benefits due in the Policy (i.e.100% of Sum Assured plus accrued bonus till date plus terminal bonus (if any).
  • Potential upside through bonuses. A non-guaranteed simple annual reversionary bonus gets accrued to the policy from the end of 1st Policy year and will get paid out on Maturity or on death. A terminal bonus may also be declared, which will be paid out in case of death or Maturity, whichever is earlier.
  • Flexibility of choosing between 3 Premium payment Terms as per your financial convenience. Pay 5 Premiums with a Policy Term of 20 years; pay 7 Premiums with a Policy Term of 25 years and pay 12 Premiums with a Policy Term of 30 years.
  • Enjoy Tax benefits on the Premiums paid and pay-out benefits received. They are subject to change as per change in tax laws from time to time.

Plan Details

How it works?

Let’s take a look at this case study

35 year old Siddharth chooses our Bharti AXA Life Flexi Save with a policy term of 20 years as he wishes to receive guaranteed benefits along with the flexibility of withdrawing money any time during the flexi benefit pay-out period. He pays an annual premium of ₹ 30,000 for 5 years for a Sum Assured of ₹ 1,69,943.

  • Starts paying an annual premium of ₹ 30,000*


  • Flexi Benefit period from 10th to 20th Policy year. At any time, he can decide to pre-pone the maturity benefit and avail the full benefits due i.e. 100% Sum Assured plus accrued bonus till date plus terminal bonus, if any.


  • If Siddharth survives, he receives  ₹ 3,02,243 at maturity (Sum Assured  ₹ 1,69,943 along with accrued bonuses + terminal bonus at maturity @8% of ₹ 1,32,300)


Accrued bonuses + terminal bonus at maturity @4%: ₹ 66,150

*Premium is exclusive of service tax and cess

# 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 his untimely death, his nominee will receive higher of’ the Sum Assured or 105% of Premiums paid or 11 times Annual Base premium + accrued reversionary bonus and terminal bonus, if any.

Parameter/ PPT

5 Pay

7 Pay

12 Pay

Policy term

20 years

25 years

30 years

Min age at entry

8 years

3 years

0 years

Max age at entry

65 years

60 years

55 years

Max age at Maturity

85 years

85 years

85 years

Flexi Benefit Period

Any time between 10 to 20 years

Any time between 15 to 25 years

Any time between 20 to 30 years


Premium payment mode:


You can choose Monthly Quarterly, Semi Annual or Annual Premium. Monthly Premium* = 0.09 of the Annual Premium, Quarterly Premium* = 0.27 of Annual Premium, Semi-annual Premium =0.52 of Annual Premium.

*Through Auto Pay only

Applicable taxes(if any) and cess will be levied as per prevalling rates.
Please note that the premiums applicable will be different for standard and substandard lives.