Bharti AXA Life InstaGain Plan: Instant Income Savings Life Insurance with Guaranteed Returns

Why Choose Bharti AXA Life InstaGain Plan?

It provides you with a life cover, along with guaranteed income and Guaranteed lumpsum benefit to meet your immediate as well as future needs. With Bharti AXA Life InstaGain Plan, enjoy instant returns, with ‘InstaGain Income’. The Plan help you protect your family’s financial goals such as your child’s school fees, paying your EMI’s, building a corpus for retirement, or just to build an alternate source of income.

Guaranteed^@ Benefits with two variants to meet your goals
Life cover during the policy term to ensure financial security of your family
Avail InstaGain Income upto 50% of Annualized Premium on Policy Issuance^
Receive Guaranteed^@ Income depending on the Income Period chosen to meet your goals
Option to enhance your protection by adding riders (by paying additional premium)
Option to accrue your Guaranteed^@ Early Income and encash later
Tax Benefits as per prevailing norms under the Income Tax Act, 1961 as amended from time to time

Key Benefits

Life Cover

Family Benefit Continuance Option

Instant Income

Guaranteed Returns

Product tailored to your needs

Enhancement protection through riders

How Does the Plan Exactly Work?

Mohit, at age 35 years, decides to purchase Bharti AXA Life InstaGain Income Plan for a premium of INR 1,00,000 p.a. (exclusive of taxes, rider premiums and underwriting extra premiums, if any), with an income period of 30 years, premium payment term of 10 years and ‘DBM’ death benefit multiple of 11 times, without opting for Family Continuance Benefit.

Mohit’ opts for variant 1 - Income plus 100% Return of Premiums.

Total Premium Paid (INR)		10,00,000
	Benefits Payable	Benefit Amount (INR)	Timing of Benefits
lnstaGain Income		50,000	Beginning of 1^s^t policy year
Survival Benefit	Guaranteed Early Income (p.a.)	38,950	End of 2ⁿ^d policy year till the end of the 15^t^h Policy Year
Guaranteed Income (p.a.)		29,214	End of the 16^t^h policy tear till the end of the 45^t^h Policy Year
Loyalty Income (p.a.)		9,736
Guaranteed Lumpsum benefit (Return of Premium)		10,00,000	End of 45th Policy Year
Total Income Paid (Including lnstaGain income & Total Guaranteed Early Income, total Guaranteed Income, total Loyalty Income & ROP)		27,63,787

Case II: Death during Policy Term

In case of Mohit’s death during the policy term in the 10th year, his family would receive a death benefit of INR. 11,00,000 immediately on death.

Make your plan with ease

Pick a plan option

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

Variant 1 - Income plus 100% Return of Premiums (ROP)

Variant 2 - Income plus 150% Return of Premiums (ROP)

Variant 1 - Income plus 100% Return of Premiums (ROP)

Variant 2 - Income plus 150% Return of Premiums (ROP)

Now, add a rider

The Bharti AXA Life InstaGain Plan makes you feel good about life insurance. The plan offers you the provision to buy additional peace of mind.

Bharti AXA Life Term Rider (UIN: 130B009V03):

Increase life insurance coverage.

Bharti AXA Life Hospi Cash Rider (UIN: 130B007V05):

Fixed benefit for hospitalization and surgeries.

Bharti AXA Life Non Linked Complete Shield Rider (UIN: 130B011V02):

Additional sum assured for covered events.

Your Questions Answered

How do I know my ideal Sum Assured?

The ideal income for your chosen Sum Assured is showed in the premium box. Depending on your income status you can either increase or decrease your Sum Assured.

What will be the difference if I take the policy from an aggregator?

There is no difference. Web aggregators just advertise the benefits of Bharti AXA Life products on their website. All applications for purchasing the policy are directly routed to the Bharti AXA Life website. A customer cannot directly purchase the policy from an aggregator.

I do not have my policy details readily available with me either for Bharti AXA Life or for any other Insurance Company.

We suggest you save the data entered till now & collect the information requested for completing this information. Any non-disclosure can have a direct impact on your application.

Insurance Jargon Explained

Sum Assured

Sum assured is the amount that an insurer agrees to pay on the occurrence of a stated contingency (eg: Death).

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.

Coverage

The amount of protection provided to the Policyholder on the basis of premium amount and the terms of the policy.

Rider

A provision attached to a policy that adds benefits not available in the original policy or that changes the original policy.

Riders help the Policyholder in enhancing the insurance product to meet specific needs by adding protection benefits to the basic Insurance Plan at a lower additional cost. For example, Bharti AXA Life Hospi cash rider provides fixed per day cash benefit to the Policyholder for each day of hospitalisation, thus providing benefits of a health plan along with base Life Insurance plan.

View all Jargon

Disclaimers

^@Guaranteed benefits due under this plan are available provided premiums are paid regularly for the entire premium payment term and the policy is in force.
^#Subject to T&C. Please refer to the product brochure for more details

Bharti AXA Life InstaGain Plan

Why Choose Bharti AXA Life InstaGain Plan?

Key Benefits

How Does the Plan Exactly Work?

Make your plan with ease

Pick a plan option

Variant 1 - Income plus 100% Return of Premiums (ROP)

Variant 2 - Income plus 150% Return of Premiums (ROP)

Variant 1 - Income plus 100% Return of Premiums (ROP)

Variant 2 - Income plus 150% Return of Premiums (ROP)

Now, add a rider

Bharti AXA Life Term Rider (UIN: 130B009V03):

Bharti AXA Life Hospi Cash Rider (UIN: 130B007V05):

Bharti AXA Life Non Linked Complete Shield Rider (UIN: 130B011V02):

Your Questions Answered

How do I know my ideal Sum Assured?

What will be the difference if I take the policy from an aggregator?

I do not have my policy details readily available with me either for Bharti AXA Life or for any other Insurance Company.

Insurance Jargon Explained

Sum Assured

Maturity Benefit

Coverage

Rider

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