Bharti AXA Life Future Invest Plan

Bharti AXA Life Future Invest Plan is a ULIP which provides the dual benefit of insurance cover and wealth creation through participation in capital markets

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  • 4.8++ Rated
  • 10.5 Crore Registered Consumer
  • 51 Partners Insurance Partners
  • 5.3 Crore Policies Sold

Investment Plans

  • Guaranteed Tax Savings^Under sec 80C & 10(10D)
  • Under sec 80C & 10(10D)Invest ₹10k Per Month*
  • Zero LTCG Tax^
Buy Online & Get upto 4% extra#
Get Guaranteed returns along with life cover
invest in 100% Guaranteed Return Plans Tax benefits under sec 80C & No Tax on returns*
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We are rated++
rating
10.5 Crore
Registered Consumer
51
Insurance Partners
5.3 Crore
Policies Sold

Key Features

  • It is a unit linked plan with Limited Pay and Single Pay option
  • The policy term is fixed at 10 years while the PPT is fixed at 5 years in case of limited pay
  • There are 6 Funds available for investment:
  • Growth Opportunities Plus Fund
  • Grow Money Plus Fund
  • Build India Fund
  • Save ‘n’ Grow Money Fund
  • Steady Money Fund
  • Safe Money Fund

Benefits

  • The insured will get the total Fund Value on Maturity
  • On death, higher of the basic SA net of any partial withdrawals already made from the Fund Value or the Fund Value or 105% of the total premiums paid will be payable
  • The policyholder may choose the Settlement Option under which the maturity proceeds can be availed over a period of 5 years in instalments
  • Income tax benefit on the premium paid as per Section 80C and on claims under Section 10(10D) of the Income Tax Act.

Product Specification:

 

Minimum

Maximum

Entry Age (Last Birthday)

18 years

 59 years

Maturity Age (Last Birthday)

-

69 years

Policy Term (PT) in years

10

Premium Paying Term (PPT) in years

Single Pay or Limited pay for 5 years

Premium Paying Frequency

Yearly, half-yearly, quarterly, monthly

Yearly Premium

18,000 under Limited Pay

50,000 under Single Pay

No limit

Sum Assured

Single Pay – 1.25 * Single Premium for ages <45 yrs. & 1.1* Single premium for ages >45 yrs.

Single Pay – 5 * Single premium for ages<45 yrs. & 3* Single premium for ages >45 yrs

Details About Premium

Illustration for a policy term of 10 years and PPT 5 years

Age

35 years

Premium

50,000

Sum Assured

500,000

Fund Value @ 4%

259,544

Fund Value @ 8%

358,824


Policy Details

  • Grace Period: 15 days’ grace period is allowed under the monthly mode and 30 days under other modes
  • Policy Termination or Surrender Benefit: Policyholder is allowed to surrender the policy after 5 completed years. If surrendered before 5 years, the fund value net of discontinuation charge will be credited to the Discontinued Policy Fund where it will earn a minimum of 4% p.a. growth. After completion of 5 years, the fund value in the Discontinued Policy fund as on that date will be paid to the policyholder. If surrendered after 5 completed policy years, the entire Fund value on the date of surrender is paid without any charges
  • Free Look Period: If you would not be pleased with the coverage, and terms and conditions of the policy, you have the option of canceling the policy within 15 days of receipt of the policy documents, provided there has been no claim.

Inclusions

  • Two free partial withdrawals are allowed every year which should be a minimum of Rs.1000
  • 12 free switches are allowed per policy year
  • Premium Redirection is also available

Additional Features or Riders

  • There are no premium allocation charges under the plan

Exclusions

  • The benefit paid in case of suicide within 12 months of policy inception is the fund value as on that date.

Explore More Under Bharti Axa ULIP Plans

Documents Required

Policyholder has to fill up an ‘Application form/ proposal form’ with accurate medical history along with the address proof and other KYC documents. Medical examination may be required in some cases, based on the sum assured and the age of the person.


˜Top 5 plans based on annualized premium, for bookings made in the first 6 months of FY 24-25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
Disclaimer: #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.
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
^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.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ

Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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Average Rating
(Based on 1286 Reviews)

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Bharti AXA Life Traditional Plans Reviews & Ratings

4.6 / 5 (Based on 1286 Reviews)
(Showing Newest 10 reviews)
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Amit
Guwahati, March 26, 2025
Reliable and Safe Investment
Policybazaar is reliable for investment. HDFC Life Dynamic Advantage Fund performs well and is safe for long term.
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