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Bajaj Allianz life

Our future plans and financial goals demand protection from twists and turns of life. A comprehensive term plan with competitive premium can be a perfect shield against financial stress caused by any life event.Read More

Bajaj Allianz Life Smart Protect Goal is a complete term plan that is easy on your pocket and yet provides you an all-encompassing life cover. It not only offers you the option to get back the entire premium at the time of maturity but also protects you against financial loss from several critical illnesses. Multiple variants of the plan are designed to offer a customized solution to suit your unique needs. All in all, Bajaj Allianz Life Smart Protect Goal is a complete term plan with new-age features in line with your evolving needs.Read Less

FEATURES

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Choice of 4 Variants depending up on your Life Goal

Flexibility to choose between various payment options - Single, Limited or Regular Premium

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Choice of Add-on covers to choose from – as per choice of variant

PLAN OPTIONS/VARIANTS

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    • Life Cover
      • Option to choose Return of Premium (ROP)3 as Maturity Benefit
      • Option to choose Whole of Life3 cover up to age 99 years
      • Add-on covers to choose from – Accidental Death Benefit (ADB) - Accidental Total Permanent Disability5 Benefit(ATPDB) - Critical Illness5 Benefit (CIB) - Waiver of Premium2 Benefit (WOPB)
      • Flexibility to opt for Single, Limited or Regular Premium
    • Life Cover with Child Education Extra Cover
      • Life Cover with Child Education Extra Cover (CEEC) – Inbuilt additional cover
      • Provides extra protection of 10-100% of the base cover, for the child’s educational expense in case of death of the life assured.
      • Add-on covers to choose from – Accidental Death Benefit (ADB) - Accidental Total Permanent Disability5 Benefit(ATPDB) - Critical Illness Benefit5 (CIB) - Waiver of Premium4 Benefit (WOPB)
      • Flexibility to opt for Single, Limited or Regular Premium
    • Life Cover with Joint life
      • Life Cover with Joint Life – Cover for Self & Spouse
      • Add-on cover to choose from – Waiver of Premium4 Benefit (WOPB)
      • Flexibility to opt for Single, Limited or Regular Premium
    • Increasing Life Cover
      • Increasing Life Cover– Automatic increase in Life Cover at 5%, 8% or 10% of the Sum Assured, as chosen by you at inception
      • Maximum sum assured during the policy term can be up to 200%
      • Add-on cover to choose from - Waiver of Premium4 Benefit (WOPB)
      • Flexibility to opt for Single, Limited or Regular Premium

      •  

ELIGIBILITY

Documentation

  • ID Proof – Not required if purchased through IDFC FIRST Bank
  • Age Proof – Not required if purchased through IDFC FIRST Bank
  • Address Proof – Not required if purchased through IDFC FIRST Bank
  • Recent Photograph
  • Income Proof

Eligibility

  • Life Cover
  • Life Cover with Child Education Extra Cover
  • Life Cover with Joint life
  • Increasing Life Cover

Know More

Bajaj Allianz life Smart Protect Goal

Disclamier

1Considering Male aged 25 years, Non-Smoker, Life Cover Variant, Policy term (PT)– 30 years, Premium Payment Term (PPT) – 30 years, Sum Assured opted is ₹1,00,00,000, Online Channel, Medical rates, Annual Premium Payment Mode, Premium shown above is exclusive of Goods & Service Tax/any other applicable tax levied, subject to changes in tax laws, and any extra premium and is for illustrative purpose only.
2Product feature/benefit mentioned above are dependent on variant
3If Whole Life is opted for, then ROP is not available
4Waiver of Premium (WOPB) is applicable on CI (Incl ATPD)
5If CIB is opted for, then ATPDB is not available and vice versaRead More

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FREQUENTLY ASKED QUESTIONS

1. Under what circumstances is Waiver of Premium Benefit available?

The Waiver of Premium Benefit is available in case of occurrence of Critical Illness (including Accidental Total Permanent Disability) or death of the life assured.

2. What are minor and major critical illnesses?

Bajaj Allianz Life Smart Protect Goal protects against 19 minor and 36 major Critical Illnesses, including cancer, heart ailments, Alzheimer’s disease, Parkinson’s disease and blindness, among others. . For more details, please refer sales literature available on the website of the Company.

3. Can one insure other than the spouse under Joint Life Cover variant?

Joint Life Cover variant is available only to the spouse of the life assured.

4. What if the second life assured expires before the first life assured in Joint Life Cover variant?

Sum assured pertaining to the second life assured will be paid to the nominee and the policy will continue on the primary life assured with all benefits subject to payment of premiums.

5. What is the rate at which the cover will increase every year for Increasing Life Cover variant?

It depends on the percentage opted by you at the time of inception. You can choose between 5%, 8% or 10% of the Sum Assured for the annual increase in life cover.

6. What will be the sum assured paid at the time of death of the policyholder for Increasing Life Cover variant?

Under this variant, the prevailing life cover as on the date of death is payable in case death of the life assured. Life Cover is subject to policy terms and conditions.

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