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Bajaj Allianz Life Smart Wealth Goal

“To realize your families long term financial goals, you need to carefully plan keeping in mind that it should not only provide the dual advantage of Protection and Growth, it should also allow the flexibility of investing in a range of options, give you the benefit of market upsides for staying invested even during periods of uncertainty and ultimately ensure that your family achieves all the financial goals you have planned for them. Presenting Bajaj Allianz Life Future Wealth Gain, a unit linked insurance plan which provides the cushion of security and growth to meet future financial goals”.Read More

The unit linked insurance products do not offer any liquidity during the first five years of the contract. The Policyholder will not be able to withdraw the monies invested in unit linked insurance products completely or partially till the end of the fifth yearRead Less

FEATURES

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High life insurance cover

Benefit of Accelerated Cancer Cover combined with Income Benefit (applicable only under “Wealth Plus Care” variant)

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Choice of 2 investment portfolio strategies

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Loyalty Additions at each interval of 5th years from the 10 policy year onwards

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Fund Booster to enhance Fund Value at maturity

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Option to take death &maturity benefit in instalments (Settlement Option)

PLAN OPTIONS/VARIANTS

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    Wealth Plus

    • On the maturity date, you will receive the Regular Premium Fund Value plus Top up Premium Fund Value.
    • Death benefit payable is higher of, if all due premiums are paid
      • Regular Premium Prevailing Sum Assured2 plus Top up Sum Assured, if any
      • Fund Value as on date of receipt of intimation of death
    • Additional Rider Benefits:
      • Bajaj Allianz ULIP Accidental Death Benefit Rider
      • Bajaj Allianz ULIP Accidental Permanent Total/Partial Disability Benefit Rider
      • Bajaj Allianz ULIP Waiver of Premium Benefit Rider

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    Wealth Plus Care

    • On the maturity date, you will receive the Regular Premium Fund Value plus Top up Premium Fund Value.
    • In case of unfortunate death or on first diagnosis of cancer3 of the life assured during the policy term, whichever is earlier, the benefit payable will be, higher of:
      • Regular Premium Prevailing Sum Assured plus Top up Sum Assured, if any, or
      • Fund Value as on date of receipt of intimation of death Plus
      • Income Benefit: Total of all the prevailing regular premiums due under the policy after the date of death or diagnosis of cancer, as applicable
    • Additional Rider Benefits:
      • Bajaj Allianz ULIP Accidental Death Benefit Rider
      • Bajaj Allianz ULIP Accidental Permanent Total/ Partial Disability Benefit Rider

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    Investment

    • Two unique portfolio strategies: chosen at inception of policy or subsequent policy anniversary
    • Investor selectable Portfolio Strategy: To allocate premiums based on your personal choice, opt for this strategy with choice of eight funds:
      • Equity Growth Fund II
      • Accelerator Mid-Cap Fund II
      • Pure Stock Fund II
      • Pure Stock Fund
      • Asset Allocation Fund II
      • Bluechip Equity Fund
      • Bond Fund
      • Liquid Fund
    • Wheel of Life Portfolio
      • Provides you with a “Years to maturity” based portfolio management.
      • Each policy anniversary, Fund Value is reallocated among various funds in the proportion based on outstanding years to maturity.
      • Ensures balance is maintained between “years to maturity” and risk on investments, to optimize returns

ELIGIBILITY

Eligibility

  • Click on Know More for Eligibility

Know More

Documentation

  • Income Proof

Bajaj Allianz life guaranteed pension goal

Disclamier

*Total premiums paid shall be sum of all regular/limited and top-up premiums paid till date.
2The benefit shall be reduced to the extent of the partial withdrawals made from the regular premium fund during the two year period immediately preceding the death of the life assured.Read More

3The Waiting Period is 180 days from the Date of Commencement of Risk
# The Fund Value is equal to the total number of units pertaining to regular/ limited premium, Top-up premium , Loyalty Addition and Fund Booster existing in each fund under a policy multiplied by the respective unit price on the relevant valuation date
% The death benefit or the accelerated cancer benefit is subject to the Guaranteed Death Benefit of 105% of the total premiums* paid, till the date of death or first diagnosis of cancer. Read Less

FREQUENTLY ASKED QUESTIONS

When can one get the benefit of Loyalty Additions/ Fund Boosters under this plan?

One can enjoy the benefits of Loyalty Additions and Fund Boosters added to the Regular Premium Fund Value, if the policy is in force and all premiums have been paid up to date and provided the policy or the risk cover under the policy has not been terminated

What are the different riders available under Bajaj Allianz Life Future Wealth Gain?

There are five riders available with this plan. Under the Wealth Plus Variant, you can opt for Bajaj Allianz ULIP Accidental Death Benefit Rider, Bajaj Allianz ULIP Accidental Permanent Total/Partial Disability Benefit Rider and Bajaj Allianz ULIP Waiver of Premium Benefit Rider. Whereas under the Wealth Plus Care Variant, you can opt for Bajaj Allianz ULIP Accidental Death Benefit Rider and Bajaj Allianz ULIP Accidental Permanent Total/Partial Disability Benefit Rider.  

What is Income Benefit?

Income Benefit is an additional benefit that is payable in case of death or diagnosis of cancer of the life assured during the premium payment term. This benefit is available only to the policyholders of Wealth Plus Care variant and is payable if the policy is in force, excluding paid-ups.

 

The Income Benefit is the sum of all the regular premiums due under the policy after the date of death or diagnosis of cancer, as applicable. Each instalment of the Income Benefit is equal to one regular premium, and is paid on each premium due date for the remaining period of the premium payment term.

 

However, in case of death of the life assured after the claim has been paid for cancer and Income Benefit is triggered, no additional benefits are payable on death. All outstanding Income Benefits (if any) will be paid to the nominee in such a scenario.

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