Bajaj Life Capital Guarantee Solution

Bajaj Life Capital Guarantee Solution combines the benefits of a Smart Wealth Goal VII ULIP Plan, which is a non-participating individual life-saving insurance plan and Assured Wealth Goal Traditional Plan, which is a non-linked, non-participating, individual savings plan. That means insurance coverage and market-linked growth give you the dual benefit of financial security and growth.

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What is Bajaj Life Capital Guarantee Solution?

The Bajaj Life Capital Guarantee Solution combines two insurance plans, Bajaj Life POS Goal Suraksha and Bajaj Life Smart Wealth Goal V, to offer a blend of security and growth. The POS Goal Suraksha provides a guaranteed sum assured on maturity with guaranteed additions, while the Smart Wealth Goal V offers market-linked returns through various investment options. Both plans provide life cover, with the Smart Wealth Goal V also including a waiver of premium and income benefit. This solution offers flexibility in premium payments, investment choices, and includes benefits like loyalty additions and partial withdrawals.

Features of Bajaj Life Capital Guarantee Solution

Below are the features of Bajaj Life Capital Guarantee Solution:

Plan Structure: The Bajaj Life Capital Guarantee Solution combines a traditional plan (POS Goal Suraksha) with a unit-linked insurance plan (Smart Wealth Goal V), providing a mix of security and growth potential.
Guaranteed Maturity Benefit: The POS Goal Suraksha component offers a guaranteed sum assured on maturity, along with guaranteed additions, provided all premiums are paid.
Market-Linked Returns: The Smart Wealth Goal V component allows for investment in a variety of funds and portfolio strategies, giving the potential for higher returns based on market performance.
Life Cover: Both plans provide a life cover, with the POS Goal Suraksha paying a Sum Assured on Death, and the Smart Wealth Goal V paying the Prevailing Sum Assured plus Prevailing Top up Sum Assured.
Waiver of Premium Benefit: The Smart Wealth Goal V includes a waiver of premium benefit, where all future premiums are waived in case of death of the life assured. The policy continues with all other benefits till maturity.
Income Benefit: The Smart Wealth Goal V also provides an income benefit that is paid annually until the end of the policy term, in case of death or ATPD.
Flexibility: Both plans offer options for altering premium payment frequency.
Loan Facility: The POS Goal Suraksha offers a policy loan option, with a maximum loan amount of 80% of the surrender value. There is no loan facility in the Smart Wealth Goal V.

Benefits of Bajaj Life Capital Guarantee Solution

Benefit	Bajaj Life POS Goal Suraksha	Bajaj Life Smart Wealth Goal V (Child Wealth Variant)
Maturity Benefit	Guaranteed Sum Assured on Maturity plus Guaranteed Additions payable on the maturity date if all premiums are paid.	Fund value as on the date of maturity; even in case of death . during the policy term, the Maturity Benefit will be paid.
Death Benefit	Sum Assured on Death, which is the higher of (i) Sum Assured Multiple X Annualized Premium or (ii) Sum Assured. If death occurs during the waiting period, 100% of premiums paid is payable.	Prevailing Sum Assured plus Prevailing Top up Sum Assured, if any, subject to a minimum of 105% of Total Premiums paid till the date of death. Also provides an Income Benefit payable annually until the end of the policy term.
Waiver of Premium Benefit	-	All future premiums are waived in case of death or ATPD of the Life Assured during the Premium Paying Term, and the policy will continue with all other benefits till maturity.
Loan Facility	Option to take a policy loan.	No loan facility available.
Surrender Value	Available after the first policy year, higher of Guaranteed Surrender Value (GSV) or Special Surrender Value (SSV).	Fund value as on the date of surrender is payable immediately (after the lock-in period). If WOP or income benefit has been triggered, the surrender value increases by the present value of future WOP installments and income benefit installments.
Premium Payment	Limited premium payment term.	Single and Limited/Regular Premium payment options are available17. Option to reduce premium amount after the lock in period and change premium payment term.
Investment Options	-	Choice of five (5) investment portfolio strategies and multiple funds to choose from, with flexibility to switch between funds.
Flexibility	Option to alter premium payment mode.	Option to alter Premium Payment Frequency, with the options of yearly, half-yearly, quarterly or monthly payment.
Policy Revival	Paid-up policies can be revived within five years, subject to certain conditions.	Discontinued policies can be revived within three years, subject to specific conditions.
Additional Benefits	Low Cover Mark-up, Staff, Partner Worksite Marketing, Web, and Family Benefit mark-ups.	Waiver of Premium on death or ATPD, and option to receive maturity benefit in installments.
Tax Benefits	Tax benefits may be available as per applicable tax laws.	Tax benefits may be available as per prevalent tax laws.

Eligibility Criteria for Bajaj Life Capital Guarantee Solution

Feature	Bajaj Life Capital Guarantee Solution
Minimum Entry Age	0 years
Maximum Entry Age	55 years
Minimum Age at Maturity	18 years
Maximum Age at Maturity	70 years
Minimum Policy Term	10 years
Premium Payment Term (PPT)	Varies based on Policy Term
Premium Payment Frequency	Yearly, Half-yearly, Quarterly, and Monthly

What are the Documents required to buy Bajaj Life Capital Guarantee Solution?

To buy Bajaj Life Capital Guarantee Solution policy, the following is the list of documents one would need:

Proof of Identity, such as Aadhaar card, Passport, Voter's ID, Driving license, PAN card
Proof of Age, such as Birth certificate, 10th or 12th mark sheet, Passport, Aadhaar card, Voter's ID, Driving license and PAN card.
Proof of Address, such as Electricity bill, Telephone bill, Ration card, Passport, AADHAAR card, Driving license, Voter's ID
Passport size photos

How to Buy Bajaj Life Capital Guarantee Solution from Policybazaar?

Below are the steps to buy the Bajaj Life Capital Guarantee Solution from Policybazaar:

Step-1: On the Current Page

Locate the lead form on the top right side of the page.

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Step-4: Select Plans

Choose a plan & click 'Buy Now or 'Proceed'.

Step-5: Fill Form & Choose Funds

Complete the form with personal details and select funds.

Step-6: Make Payment & Confirm

Pay via card, net banking, etc., and receive the policy

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˜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

Past 10 Years' annualised returns as on 01-08-2026

^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.

*All savings are provided by the insurer as per the IRDAI approved insurance plan.

Tax benefit is subject to changes in tax laws. Standard T&C Apply
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ

^^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.

¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.

**Returns are based on past 10 years’ fund performance data (Fund Data Source: Value Research).