Best investment policies at lowest premiums.
Top performing investment plans, better than mutual funds
Plans with zero commissions
and lowest charges in the market.
tax-free returns
Benefits for 80C, 10(10D) and no LTCG.

Bharti Axa Life Ulip Plans

Bharti AXA Life is a joint venture between Paris-headquartered AXA Group and Bharti Enterprises - one of India's leading business groups with interests in Telecom, agricultural business and financial services.

Vision of Bharti AXA Life

  • To be the Most Preferred Life Insurance Company for our Customers, Employees, Business Partners & Shareholders Mission of Bharti AXA Life
  • To be a profitable top 10 Insurance Company

Note: All information has been sourced from the official website of Bharti AXA Life.

Bharti AXA Life Investment Plans

Bharti AXA Life offers some of the best long-term and short-term investment plans to meet your needs. These plans are an ideal combination of protection along with investment returns. Also, Bharti AXA Life ULIPs help you plan out your aspirations in a systematic and disciplined manner. In addition, premiums paid towards Bharti AXA Life investment plans are eligible for tax deductions as per Section 80C and Section 10(10D) of the Income Tax Act, 1961.

There are three investment plans offered by Bharti AXA Life - Bharti AXA Life eFuture Invest, Bharti AXA Life Grow Wealth and Bharti AXA Life Future Invest Plan.

Bharti AXA Life eFuture

This is an online linked limited pay endowment life insurance product.

ParameterEligibility
Minimum age at entry18 years (age last birthday)
Maximum age at entry60 years (age last birthday)
Maximum age at maturity 70 years (age last birthday)
Premium modes Yearly, Half-yearly, Quarterly and Monthly
Minimum premium
Premium Payment Term: 5 years
Annual - Rs. 18,000
Semi Annual – Rs. 9,000
Quarterly – Rs. 4,500
Monthly – Rs. 1,500
Premium payment term: Single Pay Rs. 25000
Maximum PremiumRs. 1,00,00,000 for 5 pay Rs. 8,00,00,000 for Single pay
Policy benefit period 10 years
Premium payment termSingle Pay and 5 years
Life Insurance Benefit
The Life Insurance benefit payable will be higher of:
1. Sum assured (net of partial withdrawals, made 12 months prior to death of the life insured),
2. 105% of all premiums paid till the date of intimation of death (excluding underwriting extra) or
3. Policy Fund Value as on date of intimation of Death of Life Insured
The Sum Assured will be calculated as per the table below:
Premium Payment Term: Single Pay
Sum Assured125% of Single Premium
Premium Payment Term: 5 Years
Sum AssuredHigher of 10 times Annualized Premium or (0.5* Policy Term* annualized premium)
Maturity Benefit

The maturity benefit payable will be policy fund value on the maturity date. Maturity Benefit Payment Options
1. Lump sum payment of the Policy Fund Value; or

Bharti AXA Life Grow Wealth

This is a savings-oriented unit linked insurance plan which offers multiple fund options and additional benefits in the form of loyalty additions.

ParameterEligibility
Minimum age at entryPolicy TermMinimum Entry Age
5 years 13 years
10 years8 years
15 years3 years
20 years0 years (91 days)
Maximum age at entryPolicy TermMaximum Entry Age
5 years64 years
10 years60 years
15 years 55 years
20 years 50 years
Maximum Maturity age 70 years
Premium Modes Annual, Semi-Annual, Quarterly and Monthly
Minimum Premium
Maximum Sum AssuredNo Limit, subject to Board Approved Underwriting Policy
Death Benefit
The sum assured is payable on death of the policyholder which is the highest of:
1. Sum Assured less all Partial Withdrawals made in the two year period immediately preceding the death of Life Insured
2. 105% of all premiums paid as on date of intimation of death
3. Policy Fund Value (including any Loyalty Additions) as on the date of intimation of death of the Life Insured Sum Assured will be as per table below: a
For Single Premium Payment Policy
Policy TermAge at EntrySum Assured
13 to 47 yearsOption 1: 125%* Single Premium Option 2: 10 times Single Premium
Policy Term48 to 64 years125%* Single Premium
48 to 64 yearsOption 1: 125%* Single Premium Option 2: 10 times Single Premium
10 years
41 to 55 years 41 to 55 years
15 years36 to 50 yearsOption 1: 125%* Single Premium Option 2: 10 times Single Premium
36 to 50 years125%* Single Premium
For Regular Premium Payment Policy and Limited Premium Payment Policy
Sum AssuredHigher of 10 times Annualized Premium# Or (0.5* Policy Term* Annualized Premium
Maturity BenefitThe maturity benefit payable will be, the Policy Fund Value, including loyalty additions,
Loyalty AdditionsThe Loyalty Additions are as follows:
Policy Year % of Policy Fund Value as at end of Policy Year
End of Policy Year 6 till 0.7%
one year before Maturity
At Maturity1.4%

Bharti AXA Life Future Invest Plan

This is a limited pay life insurance plan in which you pay premiums for upto 5 years while your investments and life cover continue for 10 years.

ParametersEligibility
Minimum age at entry18 years (age last birthday)
Maximum age at entry59 years (age last birthday)
Maximum age at maturity69 years (age last birthday)
Premium modes Yearly, Half-yearly, Quarterly and Monthly
Minimum premium
Premium Payment Term: 5 years
Annual - Rs. 18,000
Semi Annual - Rs. 9,000
Quarterly - Rs. 4,500
Monthly - Rs. 1,500
Premium payment term: Single Pay Rs. 50,000
Policy benefit period10 years
Premium payment termSingle Pay and 5 years
Life Insurance Benefit
Death Benefit:
The death benefit payable under the product will be Higher of:
  • Sum assured (net of partial withdrawals, made 12 months prior to death of the life insured)
  • 105% of all premiums paid (excluding underwriting extra)
  • Policy Fund Value as on the date of intimation of death

  • The Sum Assured will be calculated as per the table below:
    Premium Payment Term: Single Pay
    Sum Assured125% of Single Premium
    Premium Payment Term: 5 Years
    Sum AssuredHigher of 10 times Annualized Premium or (0.5* Policy Term* annualized premium)
    Maturity Benefit
    The maturity benefit payable will be policy fund value on the maturity date. Maturity Benefit Payment Options
    1. Lump sum payment of the Policy Fund Value; or
    2. Withdrawal of Maturity Benefit at regular intervals chosen by Policyholder during the Settlement Period (as mentioned in next section), or
    3. A combination of the above mentioned two options

    Exclusions under Bharti AXA Life ULIPs

    Suicide Exclusion: In case of death due to suicide within 12 months from the date of inception of the policy, the nominee or beneficiary of the policyholder will be entitled to at least 80% of the premiums paid, provided the policy is in force.

    Close