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Bharti AXA Life
Saral Jeevan Bima Plan

Bharti AXA Life Saral Jeevan Bima Plan

(UIN: 130N102V01)(ADVT No. II-May-2022-3960)
A Non-Linked Non-Participating Individual Pure Risk Premium Life Insurance Plan


Why Buy Bharti AXA Life Saral Jeevan Bima Plan?

It’s a term plan that you can customise according to your needs and life stage. Choose from a range of features that meet your requirements and make your term insurance work best for you.

  • Multiple Options

    Multiple combinations of policy term and premium payment term available.

  • Customizable

    Customize your policy by opting from the Riders to enhance protection.

  • Special Premium Rates for Women

    Women can avail the benefit of special premium rates.

  • Easy to Understand

    Simple and easy to understand features.

  • Tax Benefits

    Avail tax benefits on the premiums paid and the benefits received subject to the prevailing provisions under Income Tax Act, 1961.

Key Benefits

Multiple Policy Term

Various Premium Payment Option

Tax Benefits**

Death Benefit

Special Rates for Females

How Does the Plan Work?


Let’s take a look at this case study :


35-year-old Arjun is a salaried employee with a wife and two kids. Being the only earning member of his household, Arjun realizes the need to secure the financial future of his family and make sure their needs are met in the unfortunate event of his untimely death.


Arjun purchases Bharti AXA Life Saral Jeevan Bima Plan for a policy term of 20 years with the regular pay option. He opts for a sum assured of ₹25 lacs for which he pays an annual premium of ₹11,500 (exclusive of taxes).



In case of death of Arjun during the policy term, his family would receive death benefit of ₹25 lacs immediately on death.


The above example is only for illustration purpose only


Make Your Plan with Ease

Pick a plan option

Choose Premium Payment Option

Single Pay

  • Minimum Policy Term: 5 years
  • Maximum Policy Term: 40 years

Limited Pay (5 year & 10 year PPT)

Regular Pay

Single Pay

  • Minimum Policy Term: 5 years
  • Maximum Policy Term: 40 years

Limited Pay (5 year & 10 year PPT)

Minimum Policy Term :

  • 5 year PPT: 6 years
  • 10 year PPT: 11 years

    Maximum Policy Term: 40 years

Regular Pay

  • Minimum Policy Term: 5 years
  • Maximum Policy Term: 40 years

Now, add a rider

For added protection the following rider can be availed by paying additional premium along with Bharti AXA Life Saral Jeevan Bima Plan:

Bharti AXA Life Accidental Death Benefit Rider (UIN: 130B008V02):

Receive additional sum assured as chosen under the rider in case of unfortunate event of death of the Life Insured due to an accident.

Please refer to rider brochure for complete details on terms and conditions and exclusions before opting for the rider.

In case the Policyholder opts for a Rider, the outstanding term of the Base Policy will be at least equal to 5 years. The Policy Term of the Rider shall be less than or equal to the Premium Payment Term of the Base Policy.

The premium pertaining to health-related riders shall not exceed 100% of premium under the base policy. The premiums under all other life insurance riders put together shall not exceed 30% of premiums under the base policy and any benefit arising under each of the above mentioned Riders shall not exceed the Sum Assured under the Base Policy.

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.


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.


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.