Bharti AXA Life Wealth Pro

Bharti AXA Life Wealth Pro is an insurance plan, which offers an investment opportunity with high-interest investments and life cover to provide financial security to individuals and family members. The policy offers maturity benefits, death benefits, tax benefits, investment opportunities, etc., which can help the beneficiaries protect the family members even in uncertainties. However, the services received depend on market conditions and the investment options chosen.

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  • Save Upto ₹46,800 in tax under Sec 80C

  • Inbuilt Life Cover

  • Tax Free Returns Unlike FD+

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Therefore, it empowers the policyholders to earn benefits based on their decision and choices made within the policy's scope. The policy also offers flexibility in premium modes, premium terms, and other policy management options chosen to continue without any hassle. 

Bharti AXA Life Wealth Pro Details:

Parameters Details
Tenure
  • Growth: 10 years, 15 years, 20 years
  • Legacy: 99 minus entry age
Premium Payment Terms(PPT)
  • Growth Option: Single-Premium, Limited Premium: 5/7/10/15/20 years, as per plan term
  • Legacy Option: Limited Premium:5/7/10/60-Entry Age years
Premium Payment  Mode Monthly and Annual
Entry Age Minimum:
  • Growth variant
    • 8 years (10 years policy term)
    • 3 years (15 years policy term)
    • 91 days (20 years policy term)
  • Legacy variant: 91 days
Maximum:
  • Growth variant
    • 65 years (10 years policy term)
    • 60 years (15 years policy term)
    • 55 years (20 years policy term)
  • Legacy variant: 44 years to 65 years, as per PPT
Maturity Age
  • 75 years for Growth variant
  • 99 years for Legacy variant
Grace Period
  • 15 days (Monthly premium mode)
  • 30 days (Annual premium mode)
Sum Insured Minimum :
  • Limited pay: Rs. 2,50,000 (both online and other payment modes)
  • Single pay: Rs. 1,25,000 (both online and other payment modes)
Maximum: No limit; subject to underwriting norms
Liquidity The policy offers partial withdrawals.

Benefits of Bharti AXA Life Wealth Pro

The core benefits of Bharti AXA Life Wealth Pro are mentioned below:

Flexibility: The policy allows policyholders to choose between two premium payment terms such as limited pay and single pay. They can also opt for either monthly or annual Bharti AXA Life Wealth Pro Premium payment modes. It requires they can make partial withdrawals.  

Maturity Benefits: Bharti AXA Life Wealth Pro Policy offers the following benefits based on the Policy Fund value at the time of maturity.

  • Return or mortality charges and return or premium allocation charges
  • Wealth Boosters and Loyalty additions

Death Benefits: The policyholders can receive the following death benefits, which are higher,

  • Assured sum as applicable
  • Policy fund value at the date of death
  • 105% of all the premiums paid till the date of death

Investment Facility: The policyholders can choose from seven listed different investment funds of the different risk profiles to earn more value. 

Tax Benefits: The policy offers tax benefits* as per income tax act 1961. The benefits depend on the premiums paid and facilities taken.

(*Tax benefit is subject to changes in tax laws.)

The Premium for Bharti AXA Life Wealth Pro

The policyholders can consider the premium amount before they go on to buy Bharti AXA Life Wealth Pro plan.

  • Minimum Premium amount:  

Growth Option:

Rs.1, 00,000 for Single Pay and Rs. 25,000 for Limited /Regular Pay

Legacy Option:

Rs. 25,000 for Limited /RegularPay(No Single Pay option)

  • Maximum Premium amount: No limit. However, the limit is set based on the BAUP policy of the company.

The policyholders can choose the Bharti AXA Life Wealth Pro Premium amount through the Bharti AXA Life Wealth Pro Calculator available online.

Additional Riders for Bharti AXA Life Wealth Pro

  • Bharti AXA Life Term Rider
  • Bharti AXA Life Hospital Cash Rider
  • Bharti AXA Life Accidental Death Benefit Rider
  • Bharti AXA Life Premium Waiver Rider

Eligibility for Bharti AXA Life Wealth Pro

The policyholders must consider the key eligibility criteria mentioned below if they want to buy Bharti AXA Life Wealth Pro.

Minimum Entry Age: 

  • Growth variant
    • 8 years (10 years policy term)
    • 10 years (15 years policy term)
    • 91 days (20 years policy term)
  • Legacy variant: 91 days

Maximum Entry Age:

  • Growth variant
    • 65 years (10 years policy term)
    • 60 years (15 years policy term)
    • 55 years (20 years policy term)
  • Legacy variant: 44 years to 65 years

Maturity Age: 

  • 75 years for Growth variant
  • 99 years for Legacy variant

What are the Documents Required to Buy the Policy 

Following documents are to process the KYC operations of policy management required while purchasing the policy.

  • Identity documents such as voter ID, PAN ID, Aadhar card, driving license, passport, etc. 
  • Address proofs such as voter ID, Aadhar card, driving license, passport, ration card, etc. 
  • Income proofs such as salary slips, income tax returns, etc.

How to Buy this Plan Online?

Online Bharti AXA Life Wealth Pro Policy is not available. Therefore, interested individuals must follow the steps mentioned below to buy the policy.

Step 1: They must visit the official website of Policybazaar Insurance Brokers Private Limited (formerly known as Policybazaar Insurance Web Aggregator Private Limited)

Step 2: The interested individuals must provide necessary details related to the premium amount, terms, modes, and insured sums.

Step 3: They are required to fill up the application form under the guidance of the company's financial advisor.

Step 4: Make the payment and provide necessary documents for KYC processing.

It is recommended that the interested individuals will read Bharti AXA Life Wealth Pro reviews available online and calculate the premium amount by using the online Bharti AXA Life Wealth Pro Calculator to make better policy choices.

Exclusions of Bharti AXA Life Wealth Pro

Bharti AXA Life Wealth Pro Policy excludes the benefits in case of death due to suicide. However, it offers Fund Value as applicable if death occurs within the 12 months from the date of risk commencement or policy revival. The company also adds any accrued charges to the fund value recovered after the date of intimation of death.

FAQ's

*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
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
~Source - Google Review Rating available on:- http://bit.ly/3J20bXZ

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