Bharti AXA Life Insurance is an insurancecompany formed between Bharti Enterprises, the Indian counterpart, which has multiple businesses in India, includingtelecom, agriculture, retail and financial services and AXA Group, the foreign counterpart. It was established in December 2006. Bharti AXA Life offers a diverse range of ULIP plans catering to various financial goals and risk appetites.
Returns as on 20-09-2026. The returns are the returns of best-performing fund in the plan
Disclaimer : ˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s
insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.inRead MoreRead Less
Key Features of Bharti AXA Life ULIP Plans
Return of Charges:
Select plans carry features such as return of mortality charges, premium allocation charges, policy administration charges, or even a percentage of total deducted charges, which may strengthen long-term fund accumulation.
Loyalty Additions and Wealth Enhancers:
Certain variants include loyalty boosters, milestone benefits, or wealth boosters linked to fund value and policy continuation, adding incremental value during the policy journey or at maturity.
Multiple Investment Strategies:
Depending on the Bharti AXA investment plan, policyholders can choose between investment approaches such as Dynamic Fund Allocation, Systematic Transfer Plan, or self-managed fund selection aligned with different risk preferences.
Flexible Premium and Policy Terms:
The product range includes single pay, limited pay, and regular pay structures alongside multiple policy term choices, creating room for varied investment horizons.
Long-Term Protection Framework:
Plans such as Dream Shield Plus and Growth Shield Plus feature high life cover multiples, while other variants extend life cover for longer durations, including legacy-oriented structures.
Fund Choice Flexibility:
Selected ULIPs include multiple fund options across equity, debt, and balanced allocations, giving investors room to align portfolio exposure with changing financial priorities.
Partial Withdrawal and Continuation Features:
After the lock-in period, eligible plans include liquidity through partial withdrawals along with maturity-linked additions for policy continuation.
Why Invest in India's Growth Story?
A visible shift in household financial behaviour has gradually changed the way Indians approach long-term savings and protection. Participation in market-linked instruments, rising insurance awareness, and growing preference for disciplined investing are steadily becoming part of mainstream financial planning. This transition has also brought greater attention to products that combine life cover with investment-linked wealth accumulation.
India’s financial ecosystem has expanded significantly over the last few years. The country recorded close to ₹4 lakh crore in life insurance new business premiums during FY25, highlighting continued momentum in protection-led savings. Digital payment activity has also remained elevated, with UPI transactions crossing 18+ billion transactions in a single month, indicating deeper financial formalisation.
Market-linked insurance plans such as Bharti AXA Life ULIPs fit naturally into long-term financial planning, particularly for individuals seeking investment exposure alongside life protection and portfolio flexibility.
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How Much Historical Returns are Provided by the Plans?
Investment Scenario
Monthly Investment:
₹22,000
Investment Duration:
18 years
Exit Timeline:
At Policy Maturity
Product Category:
Market-Linked ULIP Plans
Scenario 1:
Returns @ 4%
Plan
Estimated Maturity Value
Assumed Return Rate
Bharti AXA Life Grow Wealth Ultra
₹79.6 L
4%
Bharti AXA Life Dream Shield Plus
₹78.2 L
4%
Bharti AXA Life Growth Shield Plus
₹80.8 L
4%
Bharti AXA Life Wealth Pro
₹76.5 L
4%
Bharti AXA Life Wealth Maximizer
₹82.1 L
4%
Scenario 2:
Returns @ 8%
Plan Name
Estimated Maturity Value
Assumed Return Rate
Bharti AXA Life Grow Wealth Ultra
₹1.42 Cr
8%
Bharti AXA Life Dream Shield Plus
₹1.39 Cr
8%
Bharti AXA Life Growth Shield Plus
₹1.45 Cr
8%
Bharti AXA Life Wealth Pro
₹1.35 Cr
8%
Bharti AXA Life Wealth Maximizer
₹1.49 Cr
8%
Note:Final maturity values may vary based on market movements, fund allocation, mortality deductions, applicable charges, loyalty additions, wealth boosters, and the duration for which the policy remains in force.
Benefits of Bharti AXA Life ULIP Plans
Long-Term Wealth Creation:
Market-linked investment exposure across multiple fund options creates the potential for corpus building over extended policy durations aligned with life goals.
Life Cover Alongside Investing:
The plans combine investment-linked accumulation with financial protection, ensuring nominee support during unforeseen situations. Some variants also carry high life cover multiples.
Investment Flexibility Across Market Conditions:
Availability of strategies such as Dynamic Fund Allocation and Systematic Transfer Plan creates room for portfolio adjustments based on market cycles and risk preferences.
Liquidity Through Partial Withdrawals:
After the mandatory lock-in period, eligible withdrawals may assist in managing milestone-based expenses without surrendering the policy entirely.
Long-Term Continuation Rewards:
Loyalty additions, milestone benefits, and wealth boosters in selected plans may add incremental fund value for policyholders staying invested for longer durations.
Tax Efficiency:
Premium payments and policy benefits may qualify for tax treatment under prevailing tax laws, subject to applicable conditions and regulatory changes.
List of Bharti AXA Life ULIP Plans
Bharti AXA Life ULIP plans include market-linked insurance variants centred around wealth accumulation, long-term protection, milestone-based value additions, portfolio flexibility, and legacy-focused financial planning.
ULIP Plan
Entry Age
Maximum Maturity Age
Premium Payment Term (PPT)
Policy Term (PT)
Minimum Premium
Bharti AXA Life Grow Wealth Ultra
0 years to 70 years (varies by option
Up to 99 years
Single Pay, 5, 8, 10, 12, 15, 20, 30, 40 years, Till Age 99
10, 15, 20, 30, 40 years, Till Age 99
Single Pay: ₹5,00,000Limited/Regular Pay: ₹2,50,000 p.a.
75 years (Growth Variant)99 years (Legacy Variant)
Single Pay, 5, 7, 10, 15, 20 years, Till Age 60
10, 15, 20, 25, 30 years (Growth)Up to Age 99 (Legacy)
Single Pay: ₹25,000Limited/Regular Pay: ₹1,200
View plan
Bharti AXA Life Wealth Maximizer
91 days to 65 years (varies by PT/PPT)
75 years to 85 years
5, 7, 10, 15 years
10, 15, 20, 30 years
₹6,000 p.a.
View plan
Invest More Get More!
YOU GET
₹ 1 Crore *
YOU INVEST
₹ 10K/ month
YOU GET
₹ 80 Lakhs *
YOU INVEST
₹ 8K/ month
YOU GET
₹ 50 Lakhs *
YOU INVEST
₹ 5K/ month
Details of Axis Max Life ULIP Plans
Below are the types of ULIP Plans sold by the company and their features and benefits.
Bharti AXA Life Wealth Maximizer
Bharti AXA Life Wealth Maximizer is a unit-linked, non-participating individual investment plan that offers a unique combination of life cover, wealth creation, and charge transparency.
Key Features of the Bharti AXA Life Wealth Maximizer plan
118% Return of Applicable Charges:
Mortality, premium allocation, fund management, and policy administration charges applicable during the premium payment term are refunded into the policy fund value.
Loyalty Additions:
Additional fund value is credited for in-force policies based on plan conditions.
Investment Strategy Flexibility:
Dynamic Fund Allocation and Systematic Transfer Plan are available alongside multiple fund choices.
Multiple Policy Term Combinations:
Policy terms and premium payment terms vary across different investment horizons.
Broad Eligibility Structure:
Entry age and tenure combinations vary depending on premium payment term and policy term selection.
Bharti AXA Life Wealth Pro Plan
Bharti AXA Life Wealth Pro Plan is an individual-linked life insurance cum savings plan that offers you a comprehensive financial solution. It provides life cover up to 10 times your premium while helping you build wealth over the long term.
Key Features of Bharti AXA Life Wealth Pro
Two Variant Structures:
Choice between Growth Variant for fixed policy terms and Legacy Variant with life cover extending up to age 99.
Wealth Booster:
This feature helps you grow your wealth further by adding additional units to your policy based on your investment performance.
Multiple Investment Strategies:
You can choose from a variety of investment strategies to suit your risk appetite and investment goals.
Tax benefits:
You can avail tax deductions on premiums paid and tax-free maturity benefit under this plan.
Bharti AXA Life Grow Wealth Ultra
Bharti AXA Life Grow Wealth Ultra is a Unit Linked, Non-Participating, Individual Savings Life Insurance Plan. It is focussed around long-term wealth accumulation with life cover extending up to age 99.
Key Features of Bharti AXA Life Grow Wealth Ultra
Two Plan Options:
Choice between Wealth Affinity and Wealth variants depending on investment preference and continuation horizon.
Return of Charges on Maturity:
Mortality charges, premium allocation charges, and policy administration charges deducted during the policy term are added back at maturity.
Milestone Benefit:
Under Wealth Affinity, a percentage of average fund value from the preceding five years is credited at every five-year milestone from the 10th policy year onwards.
Loyalty Booster:
Wealth option includes a maturity-linked loyalty booster calculated as a percentage of average fund value of the preceding years.
Multiple Investment Strategies:
Self-Managed Strategy, Dynamic Fund Allocation, and Systematic Transfer Plan are available across multiple fund choices.
Flexible Premium Structure:
Single pay, limited pay, regular pay, and long-duration policy options (including till-age-99 structure) are available.
Bharti AXA Life Dream Shield Plus
Multiple premium payment and policy term combinations are available under Bharti AXA Life Dream Shield Plus across long investment horizons.
Key Features of Bharti AXA Life Dream Shield Plus
High Life Cover Structure:
Life cover can extend up to 100 times the annualised premium depending on policy configuration.
Up to 3X Return of Mortality Charges:
Between 100% and 300% of mortality charges deducted during the policy term may be added back from the 11th policy year onwards.
Milestone Benefit:
A percentage of fund value is credited every five years beginning from the 10th year until five years before maturity.
Loyalty Booster:
Loyalty additions linked to average fund value of the preceding years are added at maturity subject to policy conditions.
Investment Strategy Choice:
Dynamic Fund Allocation and Systematic Transfer Plan are available across multiple fund options.
Bharti AXA Life Growth Shield Plus
Bharti AXA Life Growth Shield Plus is a Unit Linked, Non-Participating Individual Life Insurance Plan. It provides life cover multiples that extend up to 100 times the annualised premium in select configurations.
Key Features of Bharti AXA Life Growth Shield Plus
2X Return of Premium Allocation Charges:
200% of premium allocation charges are credited back between the 10th and 13th policy years.
Up to 3X Return of Mortality Charges:
Depending on the policy term, mortality deductions may be added back from the 11th policy year onwards.
Loyalty Additions:
A percentage of fund value is added at maturity for policies remaining in force.
Investment Strategy Options:
Dynamic Fund Allocation and Systematic Transfer Plan are available for portfolio management flexibility.
Long-Term Policy Choices:
Policy terms up to 40 years with varied premium payment combinations are available.
Why Buy Bharti AXA Life ULIP Plans from Policybazaar?
Over 9 lakh customers have invested ₹12,400 Cr through Policybazaar
No hidden charges. All costs and returns are clearly disclosed
Certified advisors provide unbiased guidance based on your needs
IRDAI-regulated, ensuring advice is in the customer’s interest
Yes, Bharti AXA Life ULIPs are unit-linked insurance plans, so they provide both life cover and investment opportunities. Your nominee receives a death benefit if you pass away during the policy term.
What is the lock-in period of a ULIP policy?
Most ULIP plans, including those from Bharti AXA Life, have a mandatory lock-in period of 5 years. This means you cannot withdraw your invested amount (except for specific situations) before this period ends.
Can I choose different investment strategies under Bharti AXA Life ULIP plans?
Yes. Select plans provide options such as Dynamic Fund Allocation, Systematic Transfer Plan, and self-managed investment approaches.
How to calculate ULIP returns?
You can use the ULIP calculator to calculate your returns on ULIP investments.
Which Bharti AXA ULIP plans provide milestone-based fund value additions?
Plans such as Bharti AXA Life Grow Wealth Ultra and Bharti AXA Life Dream Shield Plus include milestone benefits that credit additional value at specified intervals, subject to policy continuation and plan conditions.
"I invest my money in bharti axa traditional insurance policy plan. The policy coverage is good ~94% and the claims are high. The premiums are low ~25 K quarterly per year. Paybacks are really very good Rs.27 L. Good investment and tax saver policy plan."
SR
Savita
Indore, January 16, 2025
Easy Returns
"Bharti axa traditional insurance policy plan is good and very responsive. The paybacks are good and easily done because the services are good provided by the executives. The premiums are low. Good future investment which saves taxes also. Nice policy plan."
M
Mansi
Kota, January 16, 2025
Good Experience
"My traditional insurance policy plan is good with great facilities. Bharti axa life insurance you guys are superb, your service is like super sonic. Premiums are low and the policy coverage is 91% with good claims. Executives and staff members are doing there work very good. Good experience with you guys."
MS
Manish
Kalyanpur, January 16, 2025
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."
SK
Sanjay
Bilaspur, January 16, 2025
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."
NM
Naveen
Rewari, January 16, 2025
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%."
K
Kunal
Delhi, January 16, 2025
Superb Traditional Plan
"Superb policy by bharti axa traditional insurance policy plan. The returns are very good ~Rs.31 L in very low premiums ~Rs.21 K quarterly per year. Service is fast facilitate by executives and all company members with nice behaviour and quick response. I like my policy."
FK
Firoz
Gandhinagar, January 16, 2025
Great
"The policy i have is bharti axa traditional policy plan which is very good and the premiums are low with high in policy coverage 93%. The claiming part is very easy because the service is very fast with good response from the staff members."
BB
Bhawna
Delhi, January 16, 2025
Bharti AXA life insurance is best
"I just bought Bharti axa life insurance plan from Policybazaar and wanted to give review for the product. As of now what I have got info that Bharti axa is good company which has a reputation of good claim ratio. I am a house wife still I save much money and invested on money back policy with good returns. I liked it because policybazaar provided me instant paper on my email id and they are very supportive and cleared my confusion. Its very difficult to buy if you are comparing so many insurance plans from insurance companies. However, its better to buy by comparing because you can actually find the plan on your budget. Bharti axa has a very good reputation and they are a kind of new in this so investment on this is a good decision. Thanks! "
A
Anup
Pilani, January 16, 2025
Fantastic plan
"I have bharti axa traditional policy plan. The policy coverage is 91% and the claims are high which can be easily sanctioned. The service provided by the executives and staff members are fast and responsive. Nice policy plan which save taxes also."
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
Tax benefit is subject to changes in tax laws
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
#The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. *Tax benefits and savings are subject to changes in tax laws. All plans listed here are of insurance companies’ funds. 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.
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.
˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
