Bharti AXA Wealth Maximizer Plan

Bharti AXA Wealth Maximizer Plan is a smart way to grow your money and protect the future of your family. This plan allows you to invest and save while also providing insurance coverage. With flexible payment options and the potential for good returns, the Bharti AXA Wealth Maximizer Plan is a great way to secure your financial goals.

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6.7 Crore
Registered Consumers
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Insurance Partners
3.4 Crore
Policies Sold
Large Cap
Mid Cap
Balanced
Debt
Fund Details
Fund Size
NAV
5 Year
7 Year
10 Year
Top 200 Fund
Fund Size: 1,663 Cr
1,663 Cr
152.36 1.11%
26.54% Highest Returns
21.71%
20.86%
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Virtue II
Fund Size: 2,894 Cr
2,894 Cr
66.72 0.60%
22.69% Highest Returns
19.01%
18.63%
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Pure Equity
Fund Size: 2,337 Cr
2,337 Cr
68.4 0.76%
18.83% Highest Returns
15.54%
17.7%
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Growth Opportunities Plus Fund
Fund Size: 961 Cr
961 Cr
65.74 0.50%
18.63% Highest Returns
16.39%
17.36%
Get Details
Pure Stock Fund
Fund Size: 6,464 Cr
6,464 Cr
138.94 1.24%
17.33% Highest Returns
15.03%
17.09%
Get Details
Large Cap Equity Fund
Fund Size: 2,544 Cr
2,544 Cr
65.98 0.73%
20.37% Highest Returns
18.21%
16.73%
Get Details
Super Select Equity Fund
Fund Size: 1,245 Cr
1,245 Cr
69.86 0.62%
16.75% Highest Returns
14.37%
16.6%
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Grow Money Plus Fund
Fund Size: 425 Cr
425 Cr
62.52 0.51%
17.47% Highest Returns
16.1%
16.48%
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Frontline Equity Fund
Fund Size: 3,212 Cr
3,212 Cr
60.3 0.68%
17.91% Highest Returns
15.42%
16.26%
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Build India Fund
Fund Size: 39 Cr
39 Cr
56.09 0.49%
16.39% Highest Returns
15.14%
16.11%
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Whole Life Aggressive Growth Fund
Fund Size: 755 Cr
755 Cr
80.53 0.40%
17.7% Highest Returns
15.75%
15.98%
Get Details
Equity Top 250 Fund
Fund Size: 551 Cr
551 Cr
53.67 0.39%
15.5% Highest Returns
13.19%
15.14%
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Top 50 Fund
Fund Size: 274 Cr
274 Cr
86.18 0.91%
17.58% Highest Returns
16.26%
15.09%
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Accelerator Fund
Fund Size: 230 Cr
230 Cr
43.42 0.40%
17.88% Highest Returns
15.71%
14.87%
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Equity Growth Fund II
Fund Size: 4,836 Cr
4,836 Cr
66.38 0.62%
14.64%
13.83%
14.83% Highest Returns
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Future Apex Fund
Fund Size: 83 Cr
83 Cr
50.43 0.47%
17.54% Highest Returns
15.04%
14.64%
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Blue Chip Fund
Fund Size: 8,677 Cr
8,677 Cr
45.77 0.42%
14.59% Highest Returns
13.69%
14.41%
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Growth Super Fund
Fund Size: 13,759 Cr
13,759 Cr
73.45 0.79%
15.13% Highest Returns
14.49%
14.21%
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Maximiser
Fund Size: 2,892 Cr
2,892 Cr
61.04 0.74%
15.22% Highest Returns
13.95%
14.1%
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Enhancer Fund-II
Fund Size: 898 Cr
898 Cr
51.26 0.52%
14.4% Highest Returns
13.49%
13.74%
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Multi Cap Growth Fund
Fund Size: 19,082 Cr
19,082 Cr
48.06 0.35%
13.44%
11.12%
13.72% Highest Returns
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Equity Fund
Fund Size: 66,368 Cr
66,368 Cr
183.02 1.68%
14.54% Highest Returns
13.41%
13.61%
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Value & Momentum
Fund Size: 664 Cr
664 Cr
42.81 0.69%
14.48% Highest Returns
9.14%
13.43%
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Equity Large Cap Fund
Fund Size: 493 Cr
493 Cr
51.54 0.52%
13.79% Highest Returns
12.31%
13.42%
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Bluechip Equity Fund
Fund Size: 1,074 Cr
1,074 Cr
40.87 0.46%
15.95% Highest Returns
14.69%
13.27%
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Future Opportunity Fund
Fund Size: 71 Cr
71 Cr
38.83 0.37%
16.02% Highest Returns
13.8%
13.27%
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Bluechip Fund
Fund Size: 4,390 Cr
4,390 Cr
41.7 0.38%
14.13% Highest Returns
12.81%
13.22%
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Super 20
Fund Size: 1,956 Cr
1,956 Cr
58.59 0.60%
14.53% Highest Returns
13.82%
13.21%
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Magnifier
Fund Size: 1,261 Cr
1,261 Cr
111.18 1.21%
13.56% Highest Returns
12.46%
13%
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Maximiser Fund V
Fund Size: 55,394 Cr
55,394 Cr
48.59 0.46%
14.4% Highest Returns
12.66%
12.75%
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Future Maximize Fund
Fund Size: 89 Cr
89 Cr
49.49 0.41%
14.36% Highest Returns
12.41%
12.3%
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Equity II Fund
Fund Size: 3,400 Cr
3,400 Cr
37.66 0.31%
12.24% Highest Returns
11.03%
11.85%
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Growth Plus Fund
Fund Size: 552 Cr
552 Cr
33.11 0.27%
12.26% Highest Returns
10.8%
11.69%
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Blue-Chip Equity Fund
Fund Size: 1,054 Cr
1,054 Cr
32.25 0.25%
12.24% Highest Returns
11.78%
11.54%
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Growth Fund
Fund Size: 8,706 Cr
8,706 Cr
98.25 0.68%
11.07% Highest Returns
10.21%
10.59%
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Fund Details
Fund Size
NAV
5 Year
7 Year
10 Year
Whole Life Mid Cap Equity Fund
Fund Size: 11,380 Cr
11,380 Cr
130.89 0.55%
22.82% Highest Returns
17.54%
21.83%
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Midcap Fund
Fund Size: 1,340 Cr
1,340 Cr
83.83 0.46%
22.36% Highest Returns
16.52%
19.93%
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High Growth Fund
Fund Size: 5,651 Cr
5,651 Cr
96.53 0.73%
26.41% Highest Returns
20.95%
19.59%
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Multiplier
Fund Size: 4,058 Cr
4,058 Cr
84.42 1.28%
18.66%
15.48%
19.31% Highest Returns
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Accelerator Mid-Cap Fund II
Fund Size: 5,938 Cr
5,938 Cr
76.89 0.52%
18.17%
14.69%
18.75% Highest Returns
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Opportunities Fund
Fund Size: 35,583 Cr
35,583 Cr
67.61 0.36%
18.59% Highest Returns
14.61%
18.27%
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Classic Opportunities Fund
Fund Size: 12,743 Cr
12,743 Cr
61.19 0.63%
16.46% Highest Returns
14.01%
15.78%
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Flexi Cap
Fund Size: 1,350 Cr
1,350 Cr
49.49 0.50%
16.49% Highest Returns
14.53%
14.68%
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Opportunity Fund
Fund Size: 2,949 Cr
2,949 Cr
51.91 0.41%
15.65% Highest Returns
13.85%
14.61%
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Save N Grow Money Fund
Fund Size: 67 Cr
67 Cr
54.45 0.32%
10.75%
10.37%
11.39% Highest Returns
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Fund Details
Fund Size
NAV
5 Year
7 Year
10 Year
Whole Life Stable Growth Fund
Fund Size: 241 Cr
241 Cr
55.25 0.25%
14.3% Highest Returns
12.62%
12.93%
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Balanced Fund
Fund Size: 344 Cr
344 Cr
42.84 0.35%
12.38% Highest Returns
11.08%
12.22%
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Balancer II
Fund Size: 836 Cr
836 Cr
36.13 0.25%
11.85% Highest Returns
10.72%
11.11%
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Creator
Fund Size: 523 Cr
523 Cr
91.65 0.50%
10.66%
10.01%
11.09% Highest Returns
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Stable Fund
Fund Size: 21 Cr
21 Cr
32.01 0.24%
11.76% Highest Returns
11.1%
10.93%
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Multi Cap Balanced Fund
Fund Size: 2,126 Cr
2,126 Cr
37.88 0.21%
10.53%
9.21%
10.84% Highest Returns
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Managed Fund
Fund Size: 41 Cr
41 Cr
34.67 0.15%
9.5%
8.84%
10.41% Highest Returns
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Balanced Plus Fund
Fund Size: 2,129 Cr
2,129 Cr
29.57 0.18%
10.23% Highest Returns
8.99%
9.95%
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Future Balance Fund
Fund Size: 70 Cr
70 Cr
36.26 0.24%
10.15% Highest Returns
9.21%
9.71%
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Balanced Fund-II
Fund Size: 141 Cr
141 Cr
32.87 0.19%
9.59%
8.71%
9.6% Highest Returns
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Enhancer
Fund Size: 6,003 Cr
6,003 Cr
97.65 0.26%
8.57%
8.06%
9.06% Highest Returns
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Cautious Asset Allocator Fund
Fund Size: 36 Cr
36 Cr
31.5 0.09%
6.77%
6.41%
7.54% Highest Returns
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Fund Details
Fund Size
NAV
5 Year
7 Year
10 Year
Pure Fund
Fund Size: 487 Cr
487 Cr
46.47 0.36%
16.5% Highest Returns
13.44%
16.15%
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Builder
Fund Size: 243 Cr
243 Cr
84.14 0.12%
8.11%
7.8%
9.26% Highest Returns
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Whole Life Income Fund
Fund Size: 777 Cr
777 Cr
36.27 0.11%
7.25%
7.05%
8.38% Highest Returns
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Debt Fund
Fund Size: 466 Cr
466 Cr
34.35 0.11%
7.44%
6.87%
8.17% Highest Returns
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Protector
Fund Size: 305 Cr
305 Cr
60.74 0.02%
7.03%
6.86%
8.16% Highest Returns
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Dynamic Gilt Fund
Fund Size: 202 Cr
202 Cr
42.61 0.18%
6.52%
6.54%
8.14% Highest Returns
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Income Advantage
Fund Size: 832 Cr
832 Cr
37.57 -0.05%
7.1%
6.88%
7.96% Highest Returns
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Steady Money Fund
Fund Size: 75 Cr
75 Cr
36.57 0.10%
6.58%
6.36%
7.91% Highest Returns
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Dynamic Bond Fund
Fund Size: 1,433 Cr
1,433 Cr
46.13 0.15%
6.64%
6.44%
7.89% Highest Returns
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Bond Fund
Fund Size: 22,648 Cr
22,648 Cr
44.61 0.14%
6.54%
6.22%
7.68% Highest Returns
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Income Fund
Fund Size: 9,030 Cr
9,030 Cr
29.08 0.07%
6.38%
6.33%
7.66% Highest Returns
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Secure Fund
Fund Size: 1,021 Cr
1,021 Cr
41.75 0.12%
6.57%
6.17%
7.61% Highest Returns
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Preserver II
Fund Size: 80 Cr
80 Cr
26.38 0.10%
6.42%
6.05%
7.3% Highest Returns
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Future Income Fund
Fund Size: 83 Cr
83 Cr
33.57 0.12%
5.53%
5.37%
7.05% Highest Returns
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Protector II
Fund Size: 774 Cr
774 Cr
26.9 0.09%
6.02%
5.62%
7.05% Highest Returns
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Assure
Fund Size: 279 Cr
279 Cr
42.25 -0.03%
6.15%
6.4%
6.99% Highest Returns
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Whole Life Short-Term Fixed Income Fund
Fund Size: 234 Cr
234 Cr
32.08 0.00%
5.79%
6.05%
6.78% Highest Returns
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Money Market Fund
Fund Size: 394 Cr
394 Cr
32.29 -0.01%
5.09%
5.52%
6.35% Highest Returns
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Bond Fund-II
Fund Size: 72 Cr
72 Cr
25.16 0.06%
4.78%
4.44%
6.3% Highest Returns
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Liquid Plus
Fund Size: 251 Cr
251 Cr
21.34 -0.01%
5%
5.49%
6.14% Highest Returns
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Dynamic Floating Rate Fund
Fund Size: 20 Cr
20 Cr
35.27 -0.01%
4.94%
5.16%
6.12% Highest Returns
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Liquid Fund
Fund Size: 72 Cr
72 Cr
73.51 -0.03%
4.39%
4.73%
5.54% Highest Returns
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Safe Money Fund
Fund Size: 57 Cr
57 Cr
23.01 0.00%
4.06%
4.45%
5.25% Highest Returns
Get Details
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Grow Your Wealth!

Best ULIP Funds - Consider the best performing ULIP funds to invest in 2024 with Policybazaar. Find the list of best ULIP funds in India on the basis of Returns, Latest Nav, Fund Size and Categories

Data source : value research

Returns as on 17-04-2024. The returns are the returns of best-performing fund in the plan

About Bharti AXA Wealth Maximizer Plan

Bharti AXA Wealth Maximizer is a Unit Linked Life Insurance Plan (ULIP) offered by Bharti AXA Life Insurance. 

It is a unique blend of life insurance and investment options designed to offer you a holistic financial solution. With coverage up to 10 times your premium, it not only protects but also helps you grow wealth for your family's future. 

You have the flexibility to choose from 8 funds and two investment strategies, tailoring your approach to match your risk appetite and life goals. Plus, you can switch your investment strategy to gain market advantages.

Eligibility Criteria

The eligibility criteria to buy the Bharti AXA Wealth Maximizer Plan are as follows:

Eligibility Criteria Details
Entry Age 0 – 65 years (depending on chosen PT and PPT)
Maturity Age 5-Year PPT: 18 – 75 years
Other PPTs: 18 – 85 years
Premium Payment Term (PPT) 5/ 7/ 10/ 15 years
Policy Term (PT) 10/ 15/ 20/ 30 years
Minimum Annualised Premium Rs. 6,000 p.a. for all PPT and PTs  
Sum Assured Rs. 60,000 p.a. for all PPT and PTs

Features of Bharti AXA Wealth Maximizer Plan

Some of the key features of the Bharti AXA Wealth Maximizer Plan are listed below:

  1. Full Refund of Charges: 

    Get back 118% of all charges paid during the premium payment term, including Mortality charges, Premium allocation charges, Fund management charges, and Policy administration charges, refunded into your Policy Fund Value.

  2. Loyalty Additions for Wealth Growth: 

    Boost your wealth with Loyalty Additions, where a percentage of your Fund Value gets added as Loyalty Additions, as long as your Policy stays active.

  3. Flexible Payment and Policy Options: 

    Choose from a variety of Premium Payment and Policy Term options that suit your preferences.

  4. Diverse Investment Strategies: 

    Tailor your investment approach with two strategies: Dynamic Fund Allocation and Systematic Transfer Plan. Select from multiple fund options based on your financial goals and risk tolerance.

  5. Tax Benefits Assurance: 

    Enjoy tax benefits on your premiums paid and benefits received, in line with prevailing tax laws. 

    People also read: Bharti AXA Life ULIP Plans

Invest more and Get more with ULIP Plan Invest more and Get more with ULIP Plan

Benefits of Bharti AXA Wealth Maximizer Plan

Bharti AXA Wealth Maximizer Plan is one of the best investment options that provide you with the following benefits:

  • Death Benefit: If the insured person passes away during the policy term, the Death Benefit will be paid to the nominee or policyholder, depending on the Policy's status. The benefit is the higher of:

    • The Sum Assured minus any partial withdrawals made within the two years before the insured's death.

    • The Policy Fund Value at the time of intimation of death.

    • 105% of all premiums paid until the date of death. The Sum Assured is 10 times the Annualized Premium.

  • Maturity Benefit: Upon maturity, you will receive the Maturity Benefit, equal to the Policy Fund Value.

  • Settlement Option: At maturity, choose to receive the Policy Fund Value as:

    • Lump sum payment.

    • Regular intervals during a Settlement Period, not exceeding five years.

    • A combination of both.

  • Loyalty Addition: Annually, Loyalty Additions of 0.2% of the Policy Fund Value are credited, starting from the year following the Premium Payment Term until maturity. These additions are allocated across Investment Funds proportionally.

  • Accessing Funds through Partial Withdrawals: You have the flexibility to withdraw a portion of your funds from the Policy Fund Value after the Lock-In Period. 

  • Free Withdrawals: You can make multiple partial withdrawals within a Policy Year without incurring charges, within the specified withdrawal limits.

  • Systematic Withdrawal Benefit (SWB): You can opt for automated partial withdrawals with SWB for added convenience:

    • Automated Withdrawals: A predetermined amount is withdrawn annually from your Policy Fund Value and disbursed to you until the end of the Policy Term.

    • Customization: Specify the annual withdrawal amount, starting policy year, and receive funds annually.

  • Asset Allocation Control: Switch between equity and debt funds based on your risk preferences. For instance, move funds to lower-risk investments before maturity to mitigate market fluctuations.

  • Fund Switching Flexibility: Make unlimited switches annually at no extra cost, ensuring each allocated fund maintains a minimum of 5% of the Fund Value at allocation.

  • Premium Redirection: Redirect premiums to different funds while ensuring each fund receives a minimum investment of 5% of the premium amount.

  • Additional Protection with Riders: Enhance your coverage by opting for additional riders, such as the Bharti AXA Life Linked Complete Shield Rider, by paying extra premiums along with your Bharti AXA Life Wealth Maximizer policy.

People also read: What is ULIP

Investment Fund Options

The different investment fund options available under Bharti AXA Wealth Maximizer Plan are as follows:

Investment Fund Name Equity Debt, Bank deposits & Fixed Income Securities Money Market Instruments Risk Profile
Growth Opportunities Plus Fund 80% - 100% -- 0 – 20% High
Grow Money Plus Fund 80% - 100% -- 0 – 20% High
Build India Fund 80% - 100% 0 – 20% 0 – 20% High 
Save 'n' Grow Money Fund 0 – 60% 0 – 90% 0 – 40% Moderate
Steady Money Fund -- 60% – 100% 0 – 40% Low
Safe Money Fund -- 60% – 100% 0 – 40% Low
Stability Plus Money Fund 0 – 25% 55% - 100% 0 – 20% Moderate
Emerging Equity Fund 65% - 100% -- 0 - 35% High 

Portfolio Management Strategies

Bharti AXA Wealth Maximizer plan offers two main portfolio management strategies:

  • Dynamic Fund Allocation (DFA): This strategy involves automatically adjusting the investment mix across different fund options based on market conditions. The plan uses a predefined set of rules to determine the allocation percentages for each fund. This approach aims to potentially reduce risk by shifting investments towards less volatile options during market downturns and vice versa.

  • Systematic Transfer Plan (STP): This strategy involves periodically transferring a fixed amount from one fund option to another. This allows for disciplined investing and potentially averaging out the cost of units over time. You can choose the source and target funds, as well as the transfer frequency, to align with your risk tolerance and investment goals.

People also read: ULIP Calculator

Policy Details

The policy details of the Bharti AXA Wealth Maximizer Plan are as follows:

  • Grace Period for Premium Payment: You have a grace period to settle unpaid premiums without affecting policy benefits:

    • 15 days for Monthly Premium Payment Mode.

    • 30 days for Annual/Semi-Annual/Quarterly Premium Payment Mode.

    • During this period, your Policy remains in force, allowing you to catch up on missed payments.

  • Discontinuance during Lock-In Period: If you do not pay premiums after the grace period, the Policy ends. The remaining fund value, minus charges, goes into a discontinued policy fund. Cover stops.

  • Discontinuance after Lock-In Period: If you miss premiums after the grace period, the Policy becomes reduced paid-up. The sum assured reduces, and the Policy continues without rider cover. Charges are deducted during revival, but mortality charges are based on the reduced sum assured.

  • Revival Conditions for Discontinued or Paid-Up Policies: Apply for revival within 3 years of the first missed premium. You have to pay all outstanding premiums.

  • Reviving a Discontinued Policy during Lock-In Period: Revive to restore risk cover and investments from the discontinued fund, with applicable charges waived except for policy administration and premium allocation.

  • Reviving a Discontinued Policy after Lock-In Period: Same revival process as above, with the original risk cover restored and option to revive rider.

  • Policy Surrender: Surrender anytime during the term: 

    • Within Lock-In Period: Get surrender value after completion of lock-in, subject to charges and minimum guaranteed interest.

    • After Lock-In Period: Receive total fund value upon surrender, ending the Policy and cover.

Invest in high growth ULIP Plans Invest in high growth ULIP Plans

Suicide Exclusion Criteria

  • If someone covered by the Policy dies by suicide, the plan won't pay out any benefits.

  • This rule applies for the first year after starting or renewing the Policy. If suicide happens during this time, the benefits won't be given, but any premiums paid will be refunded.

  • After the first year, if suicide occurs, the policy benefits will be paid out as usual.

FAQ's

  • What is the Bharti AXA Wealth Maximizer Plan?

    The Wealth Maximizer Plan is a Unit-Linked Insurance Plan that combines life cover with wealth creation potential. It offers a guaranteed return of 118% of all charges during the premium payment term.
  • What are the benefits of Bharti AXA Wealth Maximizer Plan?

    • Life cover: Provides financial protection to your loved ones in case of your unfortunate demise.

    • Wealth creation: Potential for wealth growth through investment in market-linked funds.

    • Return of charges: Get 118% of all charges paid during the premium payment term added back to your Policy.

    • Loyalty additions: Receive bonus additions to your policy value based on the Policy being in force (subject to terms and conditions).

    • Investment options: Choose from various investment funds based on your risk appetite and financial goals.

    • Tax benefits: Potential tax benefits on premiums paid and benefits received (subject to prevailing tax laws).

  • Who is the Bharti AXA Wealth Maximizer Plan suitable for?

    Bharti AXA Wealth Maximizer Plan is suitable for individuals looking for a comprehensive financial solution that combines life insurance coverage with long-term wealth creation potential.
  • What is the minimum investment amount?

    The minimum investment amount of Bharti AXA Wealth Maximizer Plan is Rs. 6,000 per year.

*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 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.

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