Manohar from Karnal bought a Bharti AXA Term insurance plan from us on 15th July 2016 and rated his experience 5 stars. He bought the plan with high life cover and low premium rates online.Read more
“My term insurance plan is great which i bought from bharti axa life insurance. Policy premium is less and the returns are high. Policy coverage is high and the claims are even better. Service is fantastic which facilitate by the executives of the company.” - By Manohar
Bharti AXA Life Flexi Term Pro is a term insurance plan offering various benefits to suit the needs of individuals.
Let us take a look at some of the key features and benefits of this term insurance plan.
Bharti AXA Term insurance offers the following key features
Since this is a term plan, the family of the policyholder will receive a death benefit in case of the policyholder’s unfortunate death
The plan offers 2 options: With or without term return of premium option
You can purchase either the single or the joint-life option under without return of premium variant
You get flexibility in policy and premium payment term
You get the option to extend the cover till 99 years of age
The plan allows you to increase the life cover as your life stage requirements increases
The plan also offers 3 death benefit payout options: lump sum, monthly income, or lump sum + monthly income
The plan offers special premium rates for female customers and non-smokers
Manohar purchased the Bharti AXA Life Flexi Term Pro after going through the following benefits offered by the plan. The benefits of the plan are:
Death Benefit: The sum assured on death will be paid as a death benefit to the nominee of the policyholder, in case the policyholder dies during the policy term.
Maturity Benefit: Under the term return of premium option, all the premiums paid towards keeping the plan active will be returned at the end of the policy tenure.
Increasing Sum Assured: You can increase the sum assured twice during the policy tenure without any medical exam. The sum assured can be increased by 50% of the basic sum assured. This option is only available under the single life option, without return of premium for regular or limited pay till 60-year policies.
Add-on Riders: You can include any of the following riders in your base plan to increase its coverage
Bharti AXA Life Premium Waiver Rider: On the diagnosis of any of the 13 critical illnesses listed under the plan, the company will pay the remaining premiums for the policy will be waived off.
Bharti AXA Life Hospi Cash Rider: In case of hospitalization, the company will pay a fixed amount for each day for a maximum of 40 days per year. It also provides a lump sum in the event of surgery.
Bharti AXA Life Accidental Total and Permanent Disability Rider: The rider sum assured will be paid in case of total and permanent disability due to an accident.
Bharti AXA Life Accidental Death Benefit Rider: The additional rider sum assured will be offered in case of death due to an accident.
Tax Benefits: You can avail of tax benefits under sections 80C and 10(10D) of the Income Tax Act of 1961.
Policy Revival: You can receive your lapsed Bharti AXA Life Flexi Term Pro plan within 5 years of the first unpaid premium date by paying the outstanding premiums, applicable interest, and taxes.
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Here are the eligibility criteria for the Bharti AXA Flexi Term Pro
|Entry Age||18 years||65 years|
|Maturity Age||-||Till 99 years|
|Policy Term||Without ROP||1 year||50 years/ till 99 years|
|With ROP||10 years||50 years/ till 85 years|
|Premium Payment Term||5 years||Till 70 years|
|Sum Assured||Rs. 25 Lacs||No limit|
|Premium Payment Modes||Annual, bi-annual, quarterly, and monthly|
|Premium Payment Option||Single pay, Regular pay, or Limited pay|
Bharti AXA Life Flexi Term Pro is a pure risk protection plan that offers several benefits to fit the needs of individuals from all walks of life. You can purchase the Bharti AXA Term plan online or offline at your convenience, from the comfort of your home.
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