BHARTI AXA LIFE

INSURANCE POLICY

Prepared by:
Rajal tukadiya - 40
Mayuri vala - 41
Jignasa vankar - 42

Submitted to :
CHINTAN PRAJAPATI
 BHARTI AXA LIFE INSURANCE
Bharti AXA Life is a life Insurance player that was started in
2006.
It brings together strong financial expertise of the Paris-
headquartered AXA Group and Bharti Enterprises - one of
India's leading business groups with interests in telecom,
agricultural business, financial services, and retail.
The joint venture has a 51% stake from Bharti and 49% stake
from AXA .
The company launched national operations in December 2006.
Today, Bharti AXA Life has a national footprint of distributors
trained to provide quality financial advice and insurance
solutions to the large Indian customer base.
Bharti AXA Life offers a range of innovative products and
services that cater to specific insurance and wealth
management needs of customers
Conti
VISION
TO BE A LEADERAND PREFERRED COMPANYFOR
FINANCIAL PROTECTIONAND WEALTH
MANAGEMENTIN INDIA.

VALUES
PROFESSIONALISM
INNOVATION
TEAM SPIRIT
PRAGMATISM
INTEGRITY
 Bharti AXA Life Smart Jeevan
Bharti AXA Life Smart Jeevan provides your family protection
for 12 years in case of something unfortunate happening to
you for a nominal premium.

It also has the return of premium benefit that provides you an

opportunity to save money to fulfil your familys wishes that
requires a large sum of money by giving back 100% of the
money that you have invested at the end of 12 years.
 Product Features:
1. Policy Term & Premium Payment Term is 12 years
2. Maturity Benefit is the Sum Assured on Maturity and is
equal to 100% of the premiums paid till end of the policy
term and will be payable to you on maturity
3. Death Benefit is the amount that your
beneficiary/nominee will receive in case of the unfortunate
event of your death. The Sum Assured on Death will be
highest of the following
11 times of Annualized Premium*
105% of all premiums paid
Absolute amount assured to be paid on death equal to
the Sum Assured under the policy
Sum Assured on Maturity
Conti
Min entry age - 18 years
Max entry age - 50 years
Max Maturity age - 62 years
Policy term - 12 years
Premium Payment Term - 12 years
Min Sum Assured - 50,000
Max Sum Assured - 500,000
Premium Payment Modes - Annual, Semi Annual,
Quarterly, Monthly
 Bharti AXA Life Monthly Advantage
Bharti AXA Life Monthly Advantage, a Limited Pay
Traditional Participating Life Insurance Plan.
The plan offers you a choice of three premium payment
terms and starts giving guaranteed monthly payouts from
the end of the premium payment term till your policy
matures.
In case of an unfortunate event which might lead to total
disability or death, your family receives the Monthly
Income which continues for the time period chosen by
you.
The plan ensures that the future of your loved ones
remains secure in case of any eventuality.
 Advantages
Guaranteed Monthly Income
Potential Upside through Bonuses
Benefit in case of Death or Accidental Total Permanent
Disability
Tax benefits for premiums paid and benefits received, are as
per the prevailing tax laws which are subject to changes.
How does this product work?
You pay premiums for the chosen Premium Payment Term.
At the end of the premium payment term, you start receiving
your Guaranteed Monthly Income until Maturity.
On Maturity, you receive Non-Guaranteed accrued Annual
Reversionary bonuses (if any) and Non-Guaranteed Terminal
bonus (if any).
BENEFITS:
1.Limited Pay Options
Policy term Premium payment term
12 year 6 year
16 year 8year
24 year 12year

2.Maturity Benefit
3.Annual Reversionary Bonuses:
4.Benefits Payable in case of the following event:
Death:
Policy term No. of months for which Death
Benefit will be payable

12 year 72
16 year 96
24 year 144
Conti

Accidental Total Permanent Disability:

In case Life Insured suffers from Total Permanent
Disability due to an Accident either immediately or within
90 days from the date of Accident and the Policy is in-
force and all due premiums till the date of accident have
been paid, the benefit payable to the Nominee (on behalf
of the Policyholder) will be same as Death Benefit under
the Policy (as mentioned above).
The policy will terminate on occurrence of Accidental Total
and Permanent Disability (ATPD).
PARAMETERS ELIGIBILITY

Minimum age at entry 6 years for 12 years policy term

2 years for 16 years policy term
91 days for 24 years policy term

Maximum age at entry 65 years for 12 & 16 years policy term

60 years for 24 years policy term
Maximum Maturity Age 77 years for 12 years policy term
81 years for 16 years policy term
84 years for 24 years policy term
Minimum Monthly Income 928 for 12 years policy term
642 for 16 years policy term
370 for 24 years policy term

Minimum Sum Assured 50,000 for all policy terms

Minimum Premium 10,600 for 12 year policy term

7,000 for 16 year policy term
3,700 for 24 year policy term
Policy Term 12, 16 and 24 years

Premium Payment Modes Annual, Semi Annual, Quarterly* & Monthly