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Bharti AXA Life

Get life insurance cover and flexibility to customize your term insurance plan as per your needs!

(UIN: 130N110V01 )(ADVT No. II-Feb-2023-4700)
A Non-Linked, Non-Participating, Individual, Pure Risk Premium/ Savings Life Insurance Plan

Why Choose Bharti AXA Life Suraksha

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.

  • The Plan Offers Two Options

    Without Return of Premium and With Return of Premium

  • Coverage for Joint/Single Life

    Under the Without Return of Premium variant, you have the option between Single Life cover or Joint Life Cover i.e., cover for your spouse under the same policy.

  • Flexibility in Policy and Premium Payment Terms

    This product offers you the option to choose from multiple Policy terms and Premium Payments terms, offering the opportunity to customize the plan to suit your needs.

  • Whole Life Cover

    Option to cover yourself for your entire lifetime, by opting for cover up to 99 years.

  • Increased Sum Assured

    You have an option to increase your life coverage as per your increasing life stage requirements.

  • Special Exit Value

    Option to surrender the policy during the Special Exit Year and receive the return of total premiums paid back.

Key Benefits

Multiple Choices

Maturity Benefit -Only for Return of Premium Option

Death Benefit

Tax Benefits**

How Does the Plan Work?

These illustrative life scenarios can help you understand how this life insurance plan works.


Scenario 1 : Mr. Mohan is a 35-year-old non-smoker salaried professional. His family consists of his wife and a son. He is worried about the uncertainties in life and realizes the need for protection in his fast-paced life. He wants to ensure that his family’s needs are taken care of in case of his death and wants an insurance solution to this.


Mr. Mohan decides to purchase Bharti AXA Life Suraksha –Single Life (without return of premium) for a policy term of To Age 85 years regular pay and opts for Lumpsum payout option.


He wants a Sum Assured of Rs. 1,00,00,000 for which he pays a premium of Rs. 26,300 p.a. (exclusive of taxes)


Case 1 :
In case of death of Mr. Mohan during the policy term, his family would receive death benefit of Rs. 1 Cr. immediately on death.


Case 2 :
Mr. Mohan continues to live a healthy life and at the age of 40 years, he gets a promotion. Mr. Mohan and his wife have a second child. This is a major milestone in Mr. Mohan’s life and due to increased responsibilities, he wants to increase the original life cover by 50% so as to secure both his children and his wife in case of any unfortunate event.


Based on the increased protection, Mr. Mohan’s Sum Assured increases to Rs. 1.5 Cr for which he pays an additional premium of Rs. 16,300 p.a. (exclusive of taxes) i.e. total premium of Rs. 42,600 p.a. for the remaining 45 years of the policy term.


In case of Mr. Mohan’s death within 85 years of age, his family would receive Rs. 1.5 Cr immediately on death.


In case Mr, Mohan survives till the end of the Policy Term and all due premiums have been paid till the date of maturity, no Maturity Benefit will be payable.

Make your plan with ease

Pick a plan option

Select a plan option according to your needs.

Without Return of Premium

Option to choose single life cover or joint life cover

Under Without Return of Premium variant you have the option to opt for single life cover or Joint Life Cover (cover for spouse under the same policy).

With Return of Premium

Lumpsum payout at maturity

Without Return of Premium

Option to choose single life cover or joint life cover

Under Without Return of Premium variant you have the option to opt for single life cover or Joint Life Cover (cover for spouse under the same policy).

With Return of Premium

Lumpsum payout at maturity

By choosing this option, on survival you can get a lumpsum payout at the end of your policy term (maturity). The payout will be equivalent to the product of your annual premium amount and policy term duration.

Now, add a rider

You can strengthen your Bharti AXA Life Suraksha by adding a rider.
However, please note that riders are not mandatory and are available at an additional cost.

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

This rider allows payment of a fixed benefi¬t for each day of hospitalization subject to maximum of 40 days per year and also provides lump sum benefi¬t in case of surgery

Bharti AXA Life Premium Waiver Rider (UIN: 130B005V04):

Under this rider, in case the Life Insured is diagnosed from any of the 11 critical illnesses covered under the rider, the future premiums are waived off and the benefits under the policy will continue.

Bharti AXA Life Non-Linked Complete Shield Rider (UIN: 130B011V01):

Receive additional sum assured chosen under the rider in case of happening of a covered event.

Insurance Jargon Explained

Term Insurance

A basic insurance plan which provides a lump sum amount to the family of the person who is insured in case of his/her unfortunate death.

Term Insurance Rider

An endorsement or attachment to a life insurance policy that provides additional term coverage for only a specified, limited period. If the insured dies during this time, the designated beneficiary can receive death benefit proceeds.


Premium is defined as the amount paid by the policyholder to secure the benefits under the policy. It is the amount that the insured person pays to his/her insurer. And the frequency of paying the premium differs as well. It can be paid in five different ways. It can either be paid monthly, quarterly, semiannually, annually or you can pay it all at once, in a single payment.

Death Benefit

The payment made to a beneficiary upon the death of the insured person.

-- Whenever an unfortunate event happens, there is both emotional as well as financial loss. An insurance company helps you replace the financial/monetary loss through the Death Benefit, which helps maintain your family’s financial stability. This benefit includes both a guaranteed sum of money called as Sum Assured on Death and also the Accrued Bonuses, if applicable.

**Applicable as per the prevailing Tax Laws.