Bharti AXA Life Insurance

Bharti AXA Life Insurance is a joint venture between the Indian conglomerate Bharti Enterprises and the AXA Group, a multinational investment-banking firm headquartered in Paris. In this joint venture, Bharti owns 74% of the stake and AXA owns the remaining 26%.

Bharti Enterprises is the country's pioneer in the telecom sector under the name of Bharti Airtel Limited. Having customer base over 70 million, it is India’s leading private sector provider of telecommunications services.

It has diversified operations across the world with major operations based out of Europe, North America and the Asia Pacific area.

Bharti AXA Life Insurance Company Ltd makes use of the local knowledge, infrastructure and customer base of the Bharti Enterprises and adapt to AXA's best practice blueprints as a sound platform for efficient and profitable growth.

Bharti AXA commenced its operations in 2006 and has its headquarters in Mumbai. Mr. Sandeep Ghosh is the Chief Executive Officer of Bharti AXA Life Insurance. The company offers a wide range of life insurance and wealth management products to its customers. The company, at present has a distribution network spread around 123 cities across India.

Bharti AXA Life Insurance Plans

Bharti AXA Life Plan

Plan Type

Minimum Entry Age

Maximum Maturity Age

Policy Term

Minimum Sum Assured

New Flexi Term Plan by Bharti AXA Life

Term Insurance Plan

18 years

85 years

Fixed : 10, 15, 20, 25 years, To Age 75.

To Age 60, 65, 75,85 Years

Rs. 10,00,000/-

Bharti AXA Life Elite Secure Plan

Term Insurance Plan

18 years

75 years,

70 years (for 5 years policy Term)

5, 10, 15, 20, 25 years, To Age 75.

Rs. 25,00,000/-

Bharti AXA Life Monthly Advantage

Participating Endowment Plan

91 days (if you opt for a 24 years policy term)

84 years

12, 16, 24 years


Bharti AXA Life Elite Advantage

Non-participating endowment plan

6 years (for 12 years plan);

8 years (for 10 years plan)

75years (for 12 years plan);

77 years (for 10 years plan)

10 years, 12 years

Subject to underwriting

Bharti AXA Life Future Invest Plan

Unit Linked Life Insurance Plan

18 years

69 years

10 years

125% of single premium;

10times annualized premium for 5 years pay term.

Bharti AXA Life Flexi Save

Participating Traditional Life Insurance Plan

8 years for 5pay plan;

3years for 7pay plan;

0 years for 12pay plan

85 years

20, 25, 30 years

Subject to Underwriting

Bharti AXA eProtect Plan

Pure term Plan

18 years

Depends on the policy term chosen

10, 15, 20, 25, 30 years, To Age 60, To Age 65, To Age 70, To Age 75


Bharti AXALife Child Advantage

Non-linked Participating Child Insurance Plan

18 years

71 years for regular pay ; 76 years for limited pay

11 – 21 years

Rs. 25,000/-

Bharti AXA Life eAjeevan Sampatti+

Participating Whole Life Limited pay Life Insurance Plan

91 days

85 years or 100 years (based on the policy term chosen)

To Age 85 ; To Age 100

Rs. 50,000/-

Bharti AXA Life Super Series

Non-Participating, Non-Linked Money back life Insurance Plan

6 years (for Super 6 option);

 0 years( super 10 Option)

Depends on the policy term

12 years (for Super 6 option);

 20 years( super 10 Option)

Subject to underwriting

Bharti AXA Life Invest Once

Single Pay Non-linked Non-participating Endowment Plan

8 years (for the policy term of 10 years);

13 years (for the policy term of 5 years)

65 years (for the policy term of 10 years);

60 years (for the policy term of 5 years)

5years and 10 years

Subject to underwriting

Product Portfolio

Bharti AXA Life Insurance Term Plans:

The plans give financial protection to your family in case if an unfortunate event.

Bharti AXA Life Insurance ULIP Plans:

Bharti AXA ulip plans make your money work harder for you with their wealth cum protection plans and ensure that your long term financial goals are met with investment solutions that can adapt to your investment habits.

  • Bharti AXA Life Future Invest Plan

Bharti AXA Life Insurance Child Plans:

Bharti AXA policies helps your child's key life stages and help him secure a bright future.

Bharti AXA Life Insurance Investment Plans:

These life insurance plans are protection cum savings plan which provide you liquidity at key life stages.

  • Bharti AXA Life Samriddhi Plan
  • Bharti AXA Life Elite Advantage Plan
  • Bharti AXA Life Aajeevan Sampatti+ Plan
  • Bharti AXA Life Secure Savings Plan
  • Bharti AXA Life Secure Income Plan

Bharti AXA Life Insurance Pension Plans:

  • Bharti AXA Life Monthly Income Plan+
  • Bharti AXA Life Flexi Save Plan

One can compare all Bharti AXA life insurance plans from other life insurance companies in India to get the insurance plan that suits you most.

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Bharti AXA Distribution Network:

Bharti AXA Life has a national footprint of distributors trained to provide quality financial advice and insurance solutions to the large Indian customer base.

Bharti Axa Life Insurance - Latest News

  • Bharti Enterprises Names Rajesh Sud as MD of Financial Services Business

    On the 13th of August 2019, Bharti Enterprises announced that Mr. Rajesh Sud is going to be its new Managing Director - Financial Services. He will report to the Founder and Chairman of the Bharti Enterprises, Mr. Sunil Bharti Mittal.

    Sud takes over the position of MD of Financial Services from Mr. Soumen Ghosh. Ghosh is renowned for successfully leading and turning around the financial services business of this company. In his new role, Rajesh Sud would be required to lead Bharti AXA Life Insurance, as well as Bharti-AXA General Insurance. He additionally will also be on the Board of the Airtel Payments Bank. In his new position, he would have to guide various groups towards both the future and current interests of this company in the domain of financial services businesses. On this new appointment, Sunil Bharti Mittal said that he has full confidence in the experience of Rajesh Sud, and believes that his expertise in the financial services sector would be able to add great value to the existing business of the company. Mittal wished Rajesh Sud the very best for his new role in the company, and also thanked Soumen Ghosh for his services so far.

    Before joining Bharti Enterprises, Mr. Rajesh Sud was Max Life Insurance's Executive Vice Chairman and Managing Director. Mr. Sud has more than twenty-five years of experience in the Indian Life Insurance and Banking industry.

    In his leadership, his previous organization, Max Life, underwent a speedy transformation and became one of the top (precisely fourth) private life insurance providers and biggest non-banking promoted life insurance companies in private life insurance sector of India.

    Before Max, Mr. Sud was working as Chief Executive Officer and Managing Director of Esanda Finance India. He started his career with Bank of America.

    By education, Mr. Sud is Post Graduate in Finance and Marketing from Faculty of Management Studies, DU. He has done an Advanced Management Programme from the University of Pennsylvania’s Wharton Business School, USA.

  • Bharti Axa Life Insurance chief says the industry will increase by 10-15% in 2016

    November 26, 2015: Mr. Sandeep Ghosh MD & CEO of Bharti AXA life insurance feels very confident about the growth in selling of traditional plans over the most happening ULIP plans in the market. He is positive and expecting the industry to grow 10-15% and the company would grow 25% in the year 2016. Summarizing his views on the focus for selling traditional products, the belief is that for certain customers Ulip is good while for others traditional plans may work better without getting into a debate on whether Ulip is good. Though Bharti Axa has a strong portfolio of ULIP products, however, he is very assured to increase selling of traditional plans through mixed channels. Talking on the innovations front, Bharti Axa life insurance has launched a single premium plan that designed only for mobile platform. He also reveals that AXA is likely to increase the stake in Bharati AXA life and the process is in completion phase.
  • ‘Invest Once’ a new insurance Plan launched by Bharti AXA Life Insurance

    18th November 2015: The leading life insurance company Bharti Axa Life has launched a single premium plan. The plan is a non-linked, non-participating guaranteed life insurance scheme. InvestOnce plan has very Good features including guaranteed add-ons of upto 9%, tax saving benefits & an option of insurance cover of ten times of paid premiums. The tenure of the plan is flexible and a policyholder can pay single premium by choosing the term of insurance in between 5 years to 10 years. A policyholder gets guaranteed add-ons at 7% for 5 years term and 9% for 10 years term. A minimum premium of Rs. 5000 can be invested by an investor. With this new plan BhartiAxalife insurance company wants to attract young Indians to invest on insurance plans.
  • 5 New Branches about to open by Bharti AXA Life Insurance Company

    17th November 2015: The Indian insurance industry is getting bigger day by day with more than 24 life insurance companies and 27 general companies in India. Bharti Axa Life is one of the top private insurance companies that offer various life insurance plans. With the expansion of the business, Bharti Axa is going to open 5 new branches in India. The new branches will be started in the financial year 2016. The branches will get live in the tier 3 cities and in north eastern region. This will cover up the requirement of their current operations. The expansion is very needed as the insurance giant Bharti Axa Life is going to penetrate the insurance market deeper. Also the company is going to launch a very attractive single premium plan and other online products soon.
  • Bharti AXA Life Insurance launches Bharti AXA Super Series

    Bharti AXA Life Insurance is a conglomerate of AXA and Bharti enterprises which is amongst the leading insurance service providers of the world. Recently it has launched a unique non-linked insurance plan; Bharti AXA Life Super Series which is offers the money back benefits. This is an easy and affordable plan which provides guaranteed income that increases during the payout stage and provides an assured one-time payment at the start and end of the payout time. Also, this plan has the choice to pick between Super 6 and Super 10 option depending upon the investment requirements.

    In Super 6, a premium for 6 consecutive years is required to be paid by the policyholder, this also includes a guaranteed money back benefits of 6 years i.e. 270% of assured sum over maturity.  Whereas in Super 10 the premiums are needed to be paid for 10 consecutive years where guaranteed money back benefits will be 10 years i.e. 396% of the assured sum over maturity.
Written By: PolicyBazaar - Updated: 04 November 2020
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Average Rating
(Based on 131 Reviews)
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Bharti AXA Life Insurance Reviews & Ratings

4.4 / 5 (Based on 131 Reviews)
(Showing Newest 25 reviews)
Jabalpur, January 23, 2019
Last year, I bought the Bharti Axa Life Flexi Term plan with Bharti Axa term. The process of buying and enrolling into a term plan is very smooth and hassle-free. I was surprised to find out that the enrolment process was done while video recording the whole process to maintain the quality provided by the company. One copy of the tape is kept with the company and the other one was given to me. The claim process with Bharti Axa is also very easy and hassle-free. The customer service team of the company is also very considerate and helpful towards its customers.
Kalyanpur, October 18, 2016
Investment policy
As everyone is aware of insurance policies and its benefits but is hard to choose from lot of insurers. I have purchased traditional plans from bharti axa life insurance. Services are the best and the customers are assisted by the executives 24X7.
Hyderabad, October 18, 2016
Bharti insurance company
The decision of buying pension plan is very much positive which is proved by giving great services by bharti axa life insurance policy. Service facilitate by the executives and staff members of the insurance company is fast and on time.
Deoli, October 18, 2016
Child Insurance Plan
After seeing the bharti axa child insurance policy plan, i don't wait for a second and i purchased insurance plan in less investment. Service is fantastic with full assistance by the executives and members of the company. Policy coverage and claims are high.
Laksar, September 27, 2016
Bharti Axa Life Insurance
BEST ULIP insurance policy in very low price. Premium is less and returns are high as promised. Claims are easy to sanctioned with the help of members of the bharti insurance company. Many benefits are inbuilt in the insurance policy like the updates are mailed to me regularly.
Bilaspur, September 27, 2016
Perfect Insurance Policy
My traditional insurance plan is best, I purchased it from bharti axa life insurance company. The online portal is very easy to operate and renewals can be done easily. Coverage is high and claims are high but the premium is less as the investment is also less.
Jaipur, September 27, 2016
Worth Of Buying
Policy I have is very good in all ways. Premium of it is less and the paybacks are high. Policy covers maximum expenditures and the claims are high which is simple to sanctioned buy the of executives and staff members. Online renewals are possible which is very good facility.
Kochi, August 25, 2016
Fantastic Policy
Colleague of mine suggested me to buy ulip insurance policy from bharti axa life insurance company ltd. The policy coverage is high and claim is even much higher. Company facilitate fabulous service given by the team members and executives.
Dapoli, August 25, 2016
Nice Policy
The insurance policy i have is very good with great benefits. Policy coverage is high and claiming is very easy because of the service given by the executives and staff members is very fast and on time. The updates and renewals are done through online portal of the company website.
Lungdai, August 25, 2016
Future Savings
My friend shown me his insurance plan, after seeing the terms and conditions. I purchased bharti axa child insurance policy plan which has maximum benefits. Policy coverage is good, claims are high. Service given by the company is fantastic and on time.
Jammu, August 17, 2016
Worthy Insurance Plan
Bharti ulip insurance policy is superb insurance plan and i have one which has low premium and the benefits are much in such amount. Service facilitate by the company is fabulous and always on time. The updates of the insurance policy is regularly given through emails.
Kurukshetra, August 17, 2016
Retirement plan
My future is secure with bharti axa pension plan. The investment is less but the returns are very good. Premiums are low and the policy coverage is high approx.89%. Service is fantastic and online renewals are possible through online portal.
Faridabad, August 17, 2016
Fantastic Insurance Plan
After a long while, i got the child insurance policy for my child from bharti axa life insurance. The policy coverage is high ~90% and the claims are even better. The procedure of claiming is easy due fast service provided by the company members.
Lonand, July 15, 2016
High Coverage
The ulip plan which i have is perfect which i purchased from bharti axa life insurance. Policy premium is low and rewards are many. Policy coverage is big and claims are bigger. Service is superb and the renewal of the plan is can be done by online portal.
Rewari, July 15, 2016
Traditional Plan
I purchase traditional insurance plan which comes in low investments. Thanks bharti axa life insurance for the best policy which has very nice terms and conditions. Service is best and online service easy to operate which reduces paperwork. Claiming is simple and policy coverage is about 90%.
Karnal, July 15, 2016
Claims Are Good
My term insurance plan is great which i bought from bharti axa life insurance. Policy premium is less and the returns are high. Policy coverage is high and the claims are even better. Service is fantastic which facilitate by the executives of the company.
Dharakote, July 15, 2016
Claims Are Good
I have pension plan which i buy from bharti axa life insurance. The policy is very nice which has low premiums. Policy coverage is high and claims are the best. Claiming is easy because of fast service facilitate by the staff of the insurers.
Buxar, July 15, 2016
Super Policy
Bharti axa life insurance is very good insurers in the market. I bought child insurance plan from them. Service is good and documentation become easy to us. Policy coverage is high ~89% and the claims are easily sanctioned.
Dharmasala, July 05, 2016
Ulip Insurance
Policy i have from last five months is work's for me. Policy coverage is 89% and claims are easy to sanctioned through executive or by online portal service which very simple to use. Good paybacks in low investments.
Nawada, July 05, 2016
Insurance Policy
Traditional insurance plan which i have is normal one. It has low investment and returns are also less. Company facilitate good customer service and even the online portal provide renewals and updates of the policy.
Itanagar, July 05, 2016
Term Insurance
The term insurance policy i have is fantastic and it has some good features like the policy coverage is 90% and the premium is very less. Service provided is quick and online portal service is simple to operate which make's hassle free documentations.
Darjeeling, July 05, 2016
Pension Plan
Pension insurance policy i buy last month which is very good policy coverage and the great thing is the premiums are very less. Service is so quick and hassle free documentations. The web service provide easy renewals and updates regarding insurance policy.
Karnal, July 05, 2016
Child Plan
My mom purchase a child insurance plan for my little sister. The terms and conditions are good and service of the company is fantastic. I have to say that this insurance policy is very beneficial in the future. Good claims and high policy coverage.
Jaswant_nagar, June 27, 2016
My ulip insurance plan is very good and the premium is low. Policy coverage is high and claims are easily sanctioned due to fast service facilitate by the executives and staff of the company. Good future investment which reduces taxes too. The internet service is also good it provides hassle free documentations.
Kaushambi, June 27, 2016
The traditional insurance plan I have is great which come's in low premiums. The policy coverage is high and claims are easy to sanctioned due to fast service provided by the company members. Updates are mailed to my email address regularly. Good future investment.


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