Bharti AXA Life Shining Stars Plan

As a responsible parent, one would always want to make sure that one's children A accomplish a cent per cent success in all challenges that life throws at them. One would like to ensure that one's child is always protected from financial instabilities. It is challenging to make sure that one is not compromising on their goals of protecting their children's future while keeping them safe in every circumstance.

Read more
Investing in your child's future:A wise decision & a loving choice
  • Insurer pays premium in case of loss of life of parent

  • Create wealth for child’s aspirations

  • Tax Free maturity amount+

  • 12+ plans available

Nothing Is More Important Than Securing Your Child's Future

Invest ₹10k/month your child will get ₹1 Cr Tax Free*

We don’t spam
Please wait. We Are Processing..
Your personal information is secure with us
Plans available only for people of Indian origin By clicking on "View Plans" you agree to our Privacy Policy and Terms of use #For a 55 year on investment of 20Lacs
Get Updates on WhatsApp
We are rated~
6.7 Crore
Registered Consumers
Insurance Partners
3.4 Crore
Policies Sold

Bharti AXA Life Shining Stars Plan provides one with the option of choosing from multiple policies and premium paying terms. The insured can also choose the options of benefit payout depending upon the child's needs.

Parameters Details
Policy Tenure 12-20 years
Premium Paying Term 7-15 years
Premium Paying Mode Monthly, quarterly, semi-annually, & annually
Entry Age 18-60 years
Maturity Age 72-80 years
Grace Period 30 days (15 days for monthly frequency)
Sum Assured Min- Rs. 50,000 Max- No limit; subject to underwriting norms
Liquidity Loans are available under this policy once the policy acquires surrender value.

Benefits of the Bharti AXA Life Shining Stars Policy

Here are the core benefits of Bharti AXA Life Shining Stars Policy offered by Bharti AXA Life Insurance Company to its buyers:

  1. Flexi Payout Option-

    The maturity benefit comes with two payout options:

    (a) Flexi payout option - The Insured may also opt to receive the payout after a year, all through the maturity payout period.

    (b) Annual payout option- For the Annual payout option, one may also choose to receive the current value in a lump sum for all expected payouts in the future.

    These payout options can be chosen at the time of the policy inception. This option can also be modified when the policy matures according to the child's needs. 

  2. Death Benefit-

    The Death Benefit under the Bharti AXA Life Shining Stars Plan ensures that the needs of the policyholder's child are fulfilled if something unfortunate happens to the life insured (parent) within the policy term. The further premiums shall be waived off in such a condition, and the Death Sum Assured will be paid. However, the Maturity Benefit shall go on uninterrupted, which will be payable to the nominee once the policy matures.

  3. Maturity Benefit-

    The policyholder will be entitled to the Maturity benefit if he survives until the Maturity Date and has paid all due premiums. This benefit is the Sum Assured on Maturity. It is equal to the Sum Assured under the policy and will be paid as a lump sum.

  4. Policy Loan Benefit-

    The policy offers the flexibility to take a loan from the Company in case of any financial emergency. The interest rate will be specified by the Company while advancing the loan.

  5. Tax Benefit*-

    Based on the prevailing tax laws, the policyholder is eligible for tax benefits on the benefits received under the policy and the paid premiums.

    *Tax benefit is subject to change in tax laws

Investment Investment
Secure Secure
Child Banner
Secure your child’s future with or without you
Start Investing
& Get
₹1 Crore*
*Standard T & C Apply

The Premium for Bharti AXA Life Shining Stars

The Bharti AXA Life Shining Stars premium applicable for this policy is dependent on the following factors:

  • Age

  • Gender

  • Sum assured

  • Policy term(PT)

  • Premium payment term(PPT)

The premium payment mode could be monthly, quarterly, semi-annual and annual.

The minimum premium for a PPT-7 and a PT-12 is Rs. 5791.*(Standards T&C apply)

People can use the Bharti AXA Life Shining Stars calculator available online to get an idea about the premium sum to be paid.

Additional Riders for Bharti AXA Life Shining Stars

The additional riders available for the Bharti AXA Life Shining Stars policy for added protection are:

  • Bharti AXA Life Term Rider

  • Bharti AXA Life Hospi Cash Rider

  • Bharti AXA Life Accidental Death Benefit Rider

Invest More Get More
Invest ₹10K/Month YOU GET ₹1 Crores* For Your Child View Plans
Invest ₹8K/Month YOU GET ₹80 Lakhs* For Your Child View Plans
Invest ₹5K/Month YOU GET ₹50 Lakhs* For Your Child View Plans
Standard T&C Apply *

Eligibility for Bharti AXA Life Shining Stars

  • Minimum age of entry: 18 years age last birthday for all Policy terms

  • Maximum age of entry: 60 years age last birthday for all Policy terms

  • Maximum age at maturity: The age at maturity could be 72 years, 73 years or 74 years for 12 years, 13 years or 14 years, respectively.

What are the documents required to buy this policy?

To buy Bharti AXA Life Shining Stars policy, one must provide the following documents-

  • Identity proof- AADHAR card, voter's card or passport

  • Address proof- AADHAR card, ration card, driver's license or passport

  • Income proof- Salary slips or income tax returns

How to buy this plan online?

One can buy Bharti AXA Life Shining Stars online by clicking on the 'Buy Now' option provided on the website.

The steps to be followed to buy it online are as follows:

  • Fill in your personal details

  • Provide the proper details and the plan details, which you intend to buy. The Bharti AXA Life Shining Stars calculator will give you a quote for your saving plan

  • The next step is to take care of the premium payment if you agree with the quote

  • Once the payment is confirmed, the policy documents will be emailed to you

Exclusions of Bharti AXA Life Shining Stars policy

Based on Bharti AXA Life Shining Stars reviews, the policy has a Suicide clause. In case of the policyholder's death by suicide within a year from the date of risk commencement or the policy revival date, his nominee or beneficiary will become eligible to receive Policy Surrender value, or at least 80% of the total premiums paid until the date of death, whichever is higher. This will hold good if the Bharti AXA Life Shining Stars policy status is active.

FAQ's on Bharti AXA Life Shining Stars Plan

  • What is the free look period for this policy?

    The free look period for the Bharti AXA Life Shining Star plan is 15 days from the date of receipt of the policy is bought offline and 30 days from receipt of the policy if the policy is sourced through distance marketing.
  • How to check Bharti AXA Life Shining Star policy status?

    The Bharti AXA Life Shining Star policy status can be checked by giving them a call or emailing the insurer.
  • What is the minimum amount of loan under the policy?

    The minimum amount of loan under this policy is Rs. 15 000.
  • Can the policy be surrendered?

    The Bharti AXA Life Shining Stars policy can be surrendered if you cannot pay all the premiums and wish to exit the policy early. Only the surrender value will be payable to you.
  • What does the policy acquire a Surrender value?

    A surrender value is acquired on the Bharti AXA Life Shining Stars policy if at least two annualized regular premiums are paid.
  • What is the revival period for the policy?

    A revival period of 5 years after the due date of the first unpaid premium is available in case of a lapsed or paid-up policy.
  • How should one change the nominee named in this plan?

    The policyholder should contact the insurer by calling the toll-free number and fill up an endorsement form to inform them to change the nominee's name.

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Please note that the quotes shown will be from our partners
*Tax benefit is subject to changes in tax laws
~Source - Google Review Rating available on:-
#The lumpsum benefit is calculated if policyholder invested ₹10000 monthly for 10 years in the fund with a policy term of 20 years. This Point To Point past performance data of last 10 years has been used to illustrate a scenario for the customers benefit. It is assumed that the past 10 years returns would have also been delivered in last 20 years. This is not guaranteed and not in anyway indicative of what the customer may actually get 20 years from now. The investment is subject to market risk and the risk is borne by the policyholder.

Child Plan


Child Plan


Secure your Child’s
Career Goal
Start Investing ₹10,000/Month
& Get ₹1 Crore*
*Standard T & C Apply
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Child Plan 2
Average Rating
(Based on 0 Reviews)

Child plans articles

Recent Articles
Popular Articles
Child Education Planner

05 Feb 2024

Ensure your child's dreams come true with a Child Education
Read more
Indian Bank Education Loan

16 Jan 2024

Indian Bank stands tall as a reliable partner in your academic
Read more
Education Loan for Abroad Studies

16 Jan 2024

Pursuing international education is a dream for many aspiring
Read more
Education Loan Without Collateral

16 Jan 2024

An Education Loan Without Collateral is a financial solution
Read more
Canara Bank Education Loan

15 Jan 2024

Canara Bank Education Loan is a comprehensive financial solution
Read more
Top 12 Government Schemes for Girl Child
Top 12 Government Schemes for Girl Child Government schemes for the girl child are a vital aspect of social welfare
Read more
Prime Minister Schemes For Boy Child
The Prime Minister Schemes for Boy Child stand as an important initiative aimed at nurturing the boy child and
Read more
Best Child Investment Plans to Invest in 2024
Planning for the child’s secured future is not an easy task. Most of the people try to create a strong financial
Read more
Bhagya Lakshmi Yojana
Bhagya Lakshmi Yojana is a welfare scheme launched by the Government of Karnataka in 2006 to improve the sex
Read more

Download the Policybazaar app
to manage all your insurance needs.