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Bharti AXA Life

A Non-Linked, Participating Individual Life Insurance Savings Plan

(UIN: 130N061V04)(ADVT No. II-Jul-2022-4097)
A Non-Linked, Participating Individual Life Insurance Savings Plan

#RegularReturns#MaturityBenefit #TaxBenefits

Why Choose Bharti AXA Life Samriddhi?

Take the first step towards saving with this non-linked, participating, endowment savings plan. With regular savings you can build your own corpus that will help meet your aspirations. At Maturity, enjoy 100% Sum Assured on Maturity along with accrued non-guaranteed bonuses. Please note that life insurance coverage is also available with this product.

  • Lumpsum Benefit

    Enjoy a guaranteed lump sum benefit at maturity. If the life insured survives till the Maturity of the Policy and all the Premiums are duly paid, then he will receive 100% of Sum Assured on Maturity.

  • Potential Bonuses

    Potential to receive additional earnings through bonuses. Enjoy accrued non-guaranteed annual simple reversionary bonus and non-guaranteed terminal bonus, if declared by the company.

  • 3.Multiple Premium Payment Terms

    Choose from premium payment of 5, 10, 12, 15, 20, 25, 30, and 35 years.

  • Tax Benefits

    You can enjoy Tax benefits on the Premiums paid and pay-out benefits received. The Tax benefits fall under Income Tax Act, 1961. They are subject to change as per changes in tax laws from time to time.

Key Benefits

Maturity Benefit

Potential Bonus

Multiple Premium Payment Terms

Tax Benefits**

How Does the Product Work?


Let’s take a look at this case study


35-year-old Abhay chooses our Bharti AXA Life Samriddhi to meet his retirement needs and pays ₹ 50,000 as annual premium for 25 years for a Sum Assured of ₹ 13,96,258. He enjoys a life cover for 25 years.


1st Policy Year

Starts paying an annual premium of ₹ 50,000*


25th Policy Year

He continues to pay an annual premium of ₹ 50, 000*


End of 25th Policy Year

He receives a maturity benefit of ₹ 17,41,832 (Sum Assured ₹ 13,96,258 + Bonus# ₹ 3,45,574) @ 4%# p.a.

At maturity he receives a maturity benefit of ₹ 27,59,355 (Sum Assured ₹ 13,96,258 + Bonus# ₹ 13,63,097) @ 8%# p.a.


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
#Bonus includes Accrued Non-Guaranteed Simple Reversionary Bonus and Non-Guaranteed Terminal Bonus.
*Premium is exclusive of service tax


Sad Demise

In case of his untimely death, Abhay’s family gets – Sum Assured on Maturity + bonus#

11 times annualised premium + bonus# Or 105% of the premiums paid; the policy will end after the payment of death benefit.

Bharti AXA Life Guaranteed Wealth Pro
Invest Rs. 5,000#/Month for 10 years | Get Rs. 14,39,764^

Make Your Plan with Ease

Pick Premium Payment Term

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

5 years

10 years

12 years

15 years

20 years

25 years

30 years

35 years

5 years

10 years

12 years

15 years

20 years

25 years

30 years

35 years

Now, Add a Rider

You may enhance your protection under this Plan by opting for the following rider(s)

Bharti AXA Life Hospi Cash Rider (UIN:130B007V04):

This rider allows payment of a fixed benefit for each day of hospitalisation. It also offers a fixed amount benefit if you are admitted in an Intensive Unit Care or a lump sum benefit in case of surgery.

Premium Waiver Rider (UIN: 130B005V04):

100% of all future premiums under the base policy are waived and paid by the company on the death & total permanent disability or critical illness of Proposer, depending on the chosen option.

Bharti AXA Life Term Rider (UIN: 130B009V02):

Under this rider the policyholder can increase the life insurance coverage for a nominal premium.

Please refer to the rider brochure for complete details on terms and conditions and exclusions before opting for the rider. Riders are optional and are available at an extra cost.

Insurance Jargon Explained

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.


Insurability refers to all conditions pertaining to individuals seeking insurance; that affect their health, susceptibility to injury and life expectancy; an individual's risk profile.


The payment, or one of the regular periodic payments, that a policyholder makes to an insurer in exchange for the insurer's obligation to pay benefits upon the occurrence of the contractually-specified contingency (e.g., death).

Sum Assured

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

**Tax benefits are in accordance to current tax laws that are subject to change from time to time.