Bharti AXA

4 Reasons To Buy
Premier Protect Plan:
(UIN No. 130N096V03)

Increasing Life Cover on Each
Life Stage without Medical

Choose from Three Death
Benefit Payout Options

97.4% Claim
Settlement Ratio

Affordable
Premium Rates

Key Benefits

17 Lacs+
Policies Issued

We are India's Insurer of choice. Our customers trust us because they experience certainty with us.
Tax
Benefits

Get Tax Benefits
Hospitalisation
Cover

Get fixed daily cash benefit & additional benefit provided in case of ICU, surgeries.
Life Cover

Lump sum amount paid to the nominee in case of death.
Accidental Death
Benefit Rider

Additional protection in case of death due to an accident.
Premium Wavier
Rider

Additional protection that waives off your future premiums in case diagnosis of critical illness.

Plan Details

Let’s take a look at this case study

Siddharth is a 35 year old non-smoker salaried professional. His family consists of his wife and a son. He is worried about the uncertainties in life and realizes the need for protection in his fast-paced life. He wants to ensure that his family’s needs are taken care of in case of his death and wants an insurance solution to this.

How does the plan work?

Siddharth decides to purchase Bharti AXA Life Premier Protect Plan for a policy term of 25 years regular pay and opts for Lumpsum payout option.
He wants a Sum Assured of Rs. 1,00,00,000 for which he pays a premium of Rs. 10,700 p.a. (exclusive of taxes)

Case 1

In case of death of Siddharth during the policy term, his family would receive death benefit of Rs. 1 Cr.immediately on death.

Case 2

Siddharth continues to live a healthy life and at the age of 40 years, he and his wife plan to have a second child. In this major milestone of Siddharth’s life and due to increased responsibilities, he wants to increase the protection by 50% so as to secure both his children and his wife in case of any unfortunate event.

Based on the increased protection, Siddharth’s Sum Assured increases to Rs. 1.5 Cr for which he pays an additional premium of Rs. 6,850 p.a. (exclusive of taxes) i.e. total premium of Rs. 17,550 p.a. for the remaining 20 years of the policy term.

In case of Siddharth’s death till he attains 60 years of age, his family would receive Rs. 1.5 Cr immediately on death.

The above example is for online illustration purpose only.

Parameter	Eligibility Criteria
Minimum age at entry	18 years age last birthday
Maximum age at entry	65 years age last birthday
Maximum Age at Maturity	75 years age last birthday
Policy Term	10 - 35 years and To Age 75
Policy Term & Premium Payment Term
	Premium Payment Option	Minimum Policy Term	Maximum Policy Term
	Single Pay	10 years	57 years under To Age 75 years option 35 years under Fixed Policy Terms
	Limited Pay (5 year & 10 year PPT)	5 year PPT – 10 years 10 year PPT – 15 years
	Regular Pay	10 years
Minimum Sum Assured (Rs.)	Rs 50,00,000
Maximum Sum Assured (Rs.)	No Limit, subject to underwriting
Premium Payment Modes	Annual, semi- annual, quarterly* & monthly*
Minimum Premium	Based on the minimum Sum Assured

* Through auto pay only

1) Death Benefit: In case of death of the Life Insured during the policy term, provided the policy is in force and all due premiums have been paid till the date of death, the Death Benefit will be payable to the nominee/beneficiary immediately on the death.

Death Benefit is the Sum Assured on Death, which is the highest of:

11 times Annualized Premium*
105% of all premiums paid as on date of death
Absolute amount assured to be paid on death equal to the Sum Assured
Sum Assured on Maturity, equal to the zero under the policy

*Annualised Premium does not include taxes, rider premiums, underwriting extra premiums and loadings for modal premiums, if any.

In case of the death of the Life Insured during the Grace Period, the Death Benefit after deducting the unpaid due Premium and any other amount due, shall be payable and the Policy will be terminated.

In case of the death of the Life Insured while the Policy is in lapse status, no benefit shall be payable and the Policy will terminate.

Death Benefit Payout Option: At the inception of the policy, the Life Insured has to choose the Death Benefit Payout Option from one of the three options below:

a) Lumpsum : Under this option, 100% of the Death Benefit (as defined above) will be paid immediately on death as lumpsum.

b) Monthly Income : Under this option, the Death Benefit will be paid as 1.04% of the Sum Assured every month in the form of Monthly Income, payable for 10 years with the first installment being payable immediately on death.

c) Lumpsum plus Monthly Income : Under this option, 50% of the Death Benefit will be paid immediately on death as lumpsum and the remaining 50% of the Death Benefit will be paid as 0.93% of the total Sum Assured every month in the form of Monthly Income, payable for 5 years with the first installment being payable immediately on death.

Under the Death Benefit Payout Option as stated in (b) and (c) above, the nominee/beneficiary will have an option to take the Monthly Income as a lump sum. This option is only available at the time of death before the payment of the first installment. The lump sum shall be calculated as a Present Value of Monthly Incomes discounted at 5% p.a. This rate may be revised subject to prior approval from IRDAI.

2) Increasing Sum Assured Option: Under Regular premium payment term option only: The policyholder will have an option to increase the Sum Assured on three milestones during the policy term, provided that at the time of exercising this option, the outstanding policy term is at least 10 years and the policyholder’s age is maximum of 45 years (age last birthday). At each milestone, the Sum Assured can be increased by an amount equal to 50% of the Sum Assured chosen at inception at each milestone listed below:

Marriage
Purchase of house (Loan purposes)
Birth of child

The cumulative increase of Sum Assured is capped to 100% of the Sum Assured chosen at inception.

The policyholder can increase the Sum Assured on the above mentioned events without undergoing any further medical examination.

These options need to be exercised within six months from the date of the milestone and the increase in Sum Assured shall be effective from the policy anniversary following the exercise of this option and additional premium shall be collected for the additional Sum Assured, where the premium rate shall be based on the age of the policyholder and the outstanding duration of the policy, as on the policy anniversary following the selection of the option.

For Single Pay
Age \ PT	10	15	20	25	30	35	TA75
18	4.42	6.13	7.64	8.62	9.50	10.34	16.23
19	4.47	6.19	7.74	8.76	9.69	10.58	16.39
20	4.50	6.27	7.85	8.91	9.90	10.84	16.55
21	4.54	6.34	7.95	9.06	10.14	11.13	16.72
22	4.57	6.40	8.08	9.25	10.38	11.44	16.88
23	4.61	6.48	8.21	9.45	10.65	11.77	17.15
24	4.65	6.56	8.36	9.68	10.96	12.15	17.40
25	4.69	6.66	8.53	9.95	11.32	12.57	17.69
26	4.74	6.77	8.74	10.27	11.72	13.04	18.03
27	4.81	6.92	8.99	10.62	12.18	13.58	18.41
28	4.89	7.09	9.28	11.04	12.69	14.17	18.85
29	5.00	7.30	9.62	11.51	13.27	14.83	19.35
30	5.11	7.53	10.01	12.06	13.92	15.57	19.90
31	5.26	7.82	10.48	12.65	14.63	16.41	20.53
32	5.43	8.14	11.00	13.34	15.44	17.32	21.21
33	5.63	8.54	11.61	14.10	16.33	18.34	21.97
34	5.87	8.98	12.28	14.93	17.32	19.47	22.80
35	6.14	9.49	13.04	15.87	18.40	20.72	23.70
36	6.46	10.08	13.88	16.90	19.61	22.09	24.68
37	6.82	10.73	14.82	18.04	20.94	23.60	25.74
38	7.24	11.47	15.87	19.29	22.39	25.25	26.87
39	7.71	12.30	17.01	20.66	24.00	27.07	28.08
40	8.27	13.22	18.25	22.16	25.75	29.05	29.05
41	8.88	14.23	19.62	23.82	27.67	-	30.53
42	9.58	15.34	21.11	25.61	29.76	-	32.08
43	10.36	16.56	22.74	27.58	32.03	-	33.73
44	11.21	17.89	24.51	29.71	34.51	-	35.43
45	12.15	19.31	26.42	32.01	37.18	-	37.18
46	13.16	20.85	28.48	34.50	-	-	39.00
47	14.24	22.48	30.69	37.18	-	-	40.84
48	15.39	24.23	33.05	40.05	-	-	42.70
49	16.60	26.09	35.59	43.12	-	-	44.56
50	17.88	28.05	38.31	46.40	-	-	46.40
51	19.22	30.13	41.20	-	-	-	48.24
52	20.61	32.36	44.26	-	-	-	50.02
53	22.07	34.71	47.58	-	-	-	51.76
54	23.65	37.29	51.09	-	-	-	53.39
55	25.33	40.02	54.91	-	-	-	54.91
56	27.12	42.95	-	-	-	-	55.75
57	29.07	46.16	-	-	-	-	56.42
58	31.22	49.65	-	-	-	-	56.96
59	33.54	53.43	-	-	-	-	57.38
60	36.09	57.56	-	-	-	-	57.56
61	38.86	-	-	-	-	-	57.27
62	41.93	-	-	-	-	-	56.62
63	45.26	-	-	-	-	-	55.71
64	48.93	-	-	-	-	-	54.60
65	52.94	-	-	-	-	-	52.94

For Regular Pay
Age \ PT	10	15	20	25	30	35	TA75
18	0.63	0.63	0.63	0.63	0.64	0.65	0.71
19	0.64	0.64	0.64	0.64	0.65	0.66	0.73
20	0.65	0.65	0.65	0.65	0.65	0.68	0.75
21	0.65	0.65	0.65	0.65	0.67	0.69	0.77
22	0.65	0.65	0.65	0.66	0.68	0.71	0.78
23	0.66	0.66	0.66	0.67	0.70	0.72	0.81
24	0.66	0.66	0.67	0.69	0.71	0.75	0.83
25	0.67	0.67	0.68	0.70	0.73	0.77	0.85
26	0.68	0.68	0.70	0.71	0.76	0.79	0.89
27	0.69	0.70	0.71	0.74	0.77	0.83	0.91
28	0.70	0.71	0.73	0.77	0.81	0.85	0.95
29	0.71	0.72	0.75	0.79	0.84	0.89	0.99
30	0.73	0.75	0.78	0.83	0.88	0.94	1.03
31	0.75	0.77	0.81	0.86	0.92	0.98	1.08
32	0.77	0.80	0.84	0.90	0.97	1.03	1.13
33	0.80	0.83	0.89	0.95	1.02	1.09	1.19
34	0.83	0.87	0.94	1.01	1.08	1.16	1.25
35	0.86	0.91	0.99	1.07	1.14	1.23	1.32
36	0.90	0.96	1.05	1.14	1.22	1.32	1.39
37	0.95	1.02	1.12	1.20	1.31	1.41	1.47
38	1.00	1.08	1.20	1.29	1.40	1.51	1.57
39	1.06	1.16	1.27	1.38	1.50	1.61	1.66
40	1.12	1.23	1.37	1.48	1.60	1.72	1.72
41	1.22	1.36	1.49	1.61	1.75	-	1.85
42	1.32	1.46	1.60	1.73	1.88	-	1.97
43	1.43	1.57	1.72	1.86	2.02	-	2.08
44	1.54	1.70	1.85	2.01	2.18	-	2.22
45	1.66	1.83	2.00	2.17	2.36	-	2.36
46	1.81	2.00	2.18	2.37	-	-	2.53
47	1.96	2.15	2.36	2.55	-	-	2.68
48	2.14	2.35	2.57	2.79	-	-	2.87
49	2.31	2.53	2.77	3.00	-	-	3.05
50	2.49	2.72	2.97	3.24	-	-	3.24
51	2.71	2.96	3.25	-	-	-	3.47
52	2.91	3.19	3.49	-	-	-	3.67
53	3.11	3.42	3.75	-	-	-	3.88
54	3.34	3.66	4.03	-	-	-	4.11
55	3.62	3.98	4.40	-	-	-	4.40
56	3.92	4.32	-	-	-	-	4.68
57	4.20	4.65	-	-	-	-	4.94
58	4.51	5.00	-	-	-	-	5.22
59	4.84	5.39	-	-	-	-	5.51
60	5.22	5.81	-	-	-	-	5.81
61	5.65	-	-	-	-	-	6.17
62	6.11	-	-	-	-	-	6.51
63	6.62	-	-	-	-	-	6.91
64	7.17	-	-	-	-	-	7.32
65	7.76	-	-	-	-	-	7.76

For Limited Pay – 5 PPT
Age \ PT	10	15	20	25	30	35	TA75
18	1.24	1.59	1.87	2.11	2.35	2.57	3.39
19	1.25	1.61	1.90	2.15	2.39	2.64	3.45
20	1.26	1.62	1.92	2.18	2.44	2.70	3.52
21	1.27	1.64	1.94	2.21	2.50	2.76	3.58
22	1.28	1.66	1.98	2.25	2.56	2.83	3.66
23	1.29	1.68	2.00	2.31	2.63	2.91	3.73
24	1.29	1.69	2.03	2.36	2.70	3.00	3.82
25	1.32	1.72	2.07	2.42	2.77	3.11	3.91
26	1.33	1.74	2.12	2.50	2.87	3.21	4.02
27	1.35	1.78	2.17	2.57	2.98	3.34	4.13
28	1.37	1.81	2.23	2.68	3.10	3.49	4.28
29	1.39	1.85	2.32	2.78	3.23	3.65	4.42
30	1.42	1.91	2.40	2.91	3.38	3.82	4.58
31	1.45	1.99	2.52	3.05	3.56	4.02	4.75
32	1.50	2.06	2.64	3.20	3.75	4.24	4.95
33	1.55	2.15	2.77	3.38	3.96	4.48	5.15
34	1.61	2.25	2.93	3.58	4.19	4.76	5.39
35	1.68	2.38	3.11	3.80	4.46	5.05	5.63
36	1.76	2.52	3.31	4.04	4.74	5.39	5.91
37	1.84	2.68	3.52	4.30	5.05	5.75	6.19
38	1.95	2.85	3.76	4.61	5.40	6.15	6.51
39	2.07	3.05	4.03	4.93	5.79	6.59	6.84
40	2.21	3.28	4.32	5.28	6.21	7.07	7.07
41	2.38	3.52	4.65	5.67	6.67	-	7.40
42	2.56	3.79	4.99	6.09	7.16	-	7.77
43	2.76	4.09	5.37	6.56	7.71	-	8.14
44	2.97	4.41	5.79	7.07	8.30	-	8.55
45	3.21	4.76	6.23	7.62	8.95	-	8.95
46	3.49	5.13	6.72	8.21	-	-	9.36
47	3.76	5.54	7.24	8.84	-	-	9.78
48	4.07	5.98	7.80	9.53	-	-	10.20
49	4.38	6.43	8.39	10.25	-	-	10.62
50	4.72	6.92	9.03	11.03	-	-	11.03
51	5.07	7.43	9.72	-	-	-	11.46
52	5.44	7.97	10.45	-	-	-	11.86
53	5.82	8.56	11.22	-	-	-	12.24
54	6.24	9.19	12.05	-	-	-	12.61
55	6.69	9.86	12.95	-	-	-	12.95
56	7.15	10.58	-	-	-	-	13.25
57	7.68	11.37	-	-	-	-	13.55
58	8.24	12.23	-	-	-	-	13.79
59	8.85	13.16	-	-	-	-	14.00
60	9.53	14.17	-	-	-	-	14.17
61	10.25	-	-	-	-	-	14.28
62	11.06	-	-	-	-	-	14.32
63	11.94	-	-	-	-	-	14.29
64	12.91	-	-	-	-	-	14.18
65	13.97	-	-	-	-	-	13.97

For Limited Pay – 10 PPT
Age \ PT	15	20	25	30	35	TA75
18	0.90	1.03	1.11	1.20	1.30	1.65
19	0.91	1.04	1.13	1.23	1.33	1.69
20	0.92	1.05	1.14	1.25	1.36	1.72
21	0.92	1.06	1.16	1.28	1.40	1.76
22	0.93	1.07	1.18	1.31	1.43	1.80
23	0.94	1.09	1.21	1.34	1.48	1.83
24	0.95	1.10	1.24	1.38	1.52	1.88
25	0.96	1.12	1.27	1.42	1.57	1.93
26	0.98	1.15	1.30	1.46	1.62	1.99
27	1.01	1.18	1.35	1.53	1.68	2.05
28	1.03	1.21	1.40	1.59	1.77	2.12
29	1.05	1.25	1.45	1.65	1.84	2.19
30	1.07	1.30	1.52	1.74	1.93	2.28
31	1.11	1.35	1.60	1.82	2.03	2.37
32	1.15	1.42	1.67	1.92	2.14	2.47
33	1.20	1.49	1.77	2.02	2.27	2.57
34	1.25	1.58	1.87	2.15	2.40	2.70
35	1.32	1.66	1.99	2.28	2.56	2.83
36	1.39	1.78	2.11	2.42	2.73	2.97
37	1.48	1.89	2.25	2.58	2.91	3.13
38	1.58	2.02	2.40	2.76	3.11	3.29
39	1.68	2.16	2.57	2.96	3.33	3.47
40	1.81	2.32	2.76	3.17	3.57	3.57
41	1.94	2.50	2.96	3.41	-	3.76
42	2.09	2.68	3.18	3.67	-	3.95
43	2.25	2.88	3.42	3.95	-	4.15
44	2.42	3.11	3.70	4.26	-	4.36
45	2.62	3.34	3.98	4.59	-	4.59
46	2.83	3.61	4.29	-	-	4.82
47	3.05	3.89	4.63	-	-	5.05
48	3.29	4.19	4.99	-	-	5.29
49	3.54	4.51	5.37	-	-	5.54
50	3.81	4.85	5.78	-	-	5.78
51	4.09	5.23	-	-	-	6.03
52	4.40	5.61	-	-	-	6.27
53	4.72	6.03	-	-	-	6.51
54	5.06	6.49	-	-	-	6.75
55	5.44	6.97	-	-	-	6.97
56	5.84	-	-	-	-	7.17
57	6.28	-	-	-	-	7.37
58	6.75	-	-	-	-	7.54
59	7.28	-	-	-	-	7.70
60	7.84	-	-	-	-	7.84
61	-	-	-	-	-	-
62	-	-	-	-	-	-
63	-	-	-	-	-	-
64	-	-	-	-	-	-
65	-	-	-	-	-	-

Rates provided here in which will be applicable for online.
The rates have been provided for sample policy terms and for lowest band (i.e. SA 50,00,000 – 1,00,00,000)
The rates are only for Male lives and Non-Smoker
There is a 3 years setback for female lives
Rates are per ‘000 Sum Assured

For added protection the following riders can be availed by paying additional premium along with Bharti AXA Life Premier Protect Plan

Bharti AXA Life Hospi Cash Rider (UIN: 130B007V04) : This rider allows payment of a fixed benefit for each day of hospitalization subject to maximum of 40 days per year and also provides lump sum benefit in case of surgery
Bharti AXA Life Accidental Death Benefit Rider(UIN: 130B008V02) :Receive additional sum assured as chosen under the rider in case of unfortunate event of death due to an accident.
Bharti AXA Premium Waiver Rider (UIN: 130B005V04) : Under this rider, in case the Life Insured is diagnosed from any of the 13 critical illnesses covered under the rider, the future premiums are waived off and the benefits under the policy will continue

Please refer rider brochure for complete details on terms and conditions and exclusions before opting for the rider.

In case the Policyholder opts for a Rider, the outstanding term of the Base Policy will be at least equal to 5 years. The Policy Term of the Rider shall be less than or equal to the Premium Payment Term of the Base Policy.

The Premium pertaining to health related or critical illness riders shall not exceed 100% of premium under the Base Policy, the Premiums under all other life insurance Riders put together shall not exceed 30% of premiums under the Base Policy and any benefit arising under each of the above mentioned Riders shall not exceed the Sum Assured under the Base Policy.

Download Brochure Policy Bond

Disclaimer:

Life Insurance Coverage is available under this policy.

Bharti AXA Life Insurance is the name of the Company and Bharti AXA Life Premier Protect Plan is only the name the traditional non-participating life term insurance policy and it does not in any way represent or indicate the quality of the policy or its future prospects.

This is not a sales brochure, for more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale. Riders are optional and available at an extra cost.

A Non-Linked, Non-Participating Individual Pure Risk Premium Life Insurance Plan

The disclaimer pertaining to the amount mentioned in the Key Visual of Rs. 28* per day is as given

*For 30year old male non-smoker upto 75years of age

^#Claims Settlement Ratio is computed basis individual claims settled over total individual claims for the financial year. Source: As per Annual Audited Statistics submitted to IRDAI for 2019-2020

Tax benefits are as per the Income Tax Act, 1961, and are subject to any amendments made thereto from time to time.

BEWARE OF SPURIOUS PHONE CALLS AND FICTITOUS/FRAUDULENT OFFERS!
IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

Website Address - www.bharti-axalife.com
Toll Free Number - 1800 102 4444

IRDA Reg. No. 130 dated 14/07/2006 [Life Insurance Business]
CIN-U66010MH2005PLC157108 (ADVT II-Dec-2020-2509)

Secure Payment Gateways

Bharti AXA Life Insurance Company Limited Regd. Address: Unit No. 1904, 19th Floor, Parinee Crescenzo, 'G' Block, Bandra Kurla Complex, BKC Road, Near MCA Club, Bandra East, Mumbai - 400051, Maharashtra.
For further details on risk factors, policy exclusions, terms and conditions, please read the sales brochure carefully before concluding a sale.

Trade Logos and used belong to the Bharti Enterprises (Holdings) Private Ltd. and AXA SA respectively and are used by Bharti AXA Life Insurance under license.

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