Bharti AXA

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4 Reasons To Buy
Bharti AXA Life Super Series:
(UIN 130N066V03)

A choice between the Super 6
and Super 10 option

Get cash pay-outs
every year

Receive Maturity benefit
along with a Guaranteed
Maturity

Get
Tax Benefits

A plan that offers a lump sum payout at the end of the premium payment term followed by increasing guaranteed payouts until Maturity and a lump sum payout at Maturity.

Key Benefits

Guaranteed Money
Back

A percentage of ‘Sum Assured on Maturity’, will be paid if all due premiums have been paid and Policy is in force.
Maturity
Benefit

On Maturity Date, ‘Sum Assured on Maturity’ will be paid to the Policyholder, subject to the Policy being in force.
Guaranteed Maturity
Addition

In addition, on Maturity Date, a Guaranteed Maturity Addition of 30% of the ‘Sum Assured on Maturity’ will be payable to the Policyholder, subject to the Policy being in force.
Death Benefit

In the event of death of the Life Insured during the Policy Term, subject to Policy being in force, the Death Benefit payable shall be equal to Sum Assured on Death.

Plan Details

Let’s take a look at this case study

35 year old Sahil chooses our Bharti AXA Life Super Series with the Super 10 option. The Premium Payment Term is 10 years and Policy Term is 20 years for a Sum Assured of Rs. 2,00,000. He starts paying Rs. 48,598 as the annualised premium each year.

How does the plan work?

Sahil Starts paying an annual premium of ₹48,598
1^ST POLICY YEAR

He finishes paying the annual premiums and receives a lump sum amount of ₹1,00,000 as a pay out at the end of the year
10^TH POLICY YEAR

Starts receiving guaranteed payouts increasing from ₹24,000 in the 11th year to ₹72,000 in the 19th year, for 9 years, totalling to ₹4,32,000
11^TH POLICY YEAR

He receives a guaranteed pay out of ₹2,60,000 END OF
20^TH POLICY YEAR

Sad Demise

In case something unfortunate were to happen to Sahil during the Policy Term, a Life Insurance benefit of Rs. 7,28,970 will be paid to help support the family and fulfil their goals.

Parameter	Eligibility Criteria
Super Series Option	Super 6	Super 10
Policy term	12 years	20 Years
Premium Payment Term	6 Years	10 Years
Minimum age at entry (age last birthday)	6 Years	0 Years
Maximum age at entry (age last birthday)	63 Years	60 Years
Minimum Annualized Premium (excluding any underwriting extra)	Rs. 18,000	Rs. 15,000
Minimum 'Sum Assured on Maturity'	Depends on the Minimum Premium
Premium Payment Modes	Annual, Semi-annual, Quarterly, Monthly

* Through Auto Pay only

A percentage of the 'Sum Assured on Maturity' will be paid if all due premiums have been paid and the policy is in force. The Guaranteed Money Back benefit will commence immediately after the end of Premium Payment Term and the pay-outs will be paid at the end of each year as specified below:

For the Super 6 Option

End of Policy Year	Percentage of 'Sum Assured on Maturity'
6	50%
7	12%
8	15%
9	18%
10	21%
11	24%

For the Super 10 Option

End of Policy Year	Percentage of 'Sum Assured on Maturity'
10	50%
11	12%
12	15%
13	18%
14	21%
15	24%
16	27%
17	30%
18	33%
19	36%

In case the Life Insured is a minor at the time of the policy issuance, the ownership of the policy will vest in the Life Insured on attainment of 18 years of age, age last birthday.

2. Maturity Benefit

On Maturity Date, 'Sum Assured on Maturity' will be paid to the Policyholder, subject to the policy being in force.

In case the Life Insured is a minor at the time of policy issuance, the ownership of the policy will vest in the Life Insured on attainment of 18 years of age, age last birthday.

3. Guaranteed Maturity Addition

In addition, on Maturity Date, a Guaranteed Maturity Addition of 30% of the ‘Sum Assured on Maturity’ will be payable to the Policyholder, subject to the Policy being in force.

In case of the life insured being a minor at the time of policy issuance, the ownership of the policy will vest in the life insured on attainment of age 18 years, age last birthday.

4. Death Benefit

In the event of a death of the Life Insured during the Policy Term, subject to the policy being in force, the Death Benefit payable shall be equal to the Sum Assured on death.

The Sum Assured on death shall be higher of the following

11 times Annualized Premium* for Super 6 Option and 15 times Annualized Premium* for Super 10 Option
105% of all premiums paid as on date of death (excluding any underwriting extra).
'Sum Assured on Maturity'

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

5. Tax Benefits

You can avail the tax benefits on the premiums paid and, on the benefits, received subject to the prevailing Tax provisions. The tax benefits are subject to change as per the change in tax laws from time to time.

Ready Reckoner – Bharti AXA Life Super Series

Premium Rates for Band 1: Sum Assured on Maturity between ₹ 50,000 and ₹ 1,50,000

Age of Life Insured	Super 6 Option	Super 10 Option
0		240.61
1		240.69
2		240.77
3		240.85
4		240.93
5		241.01
6	344.58	241.09
7	344.66	241.17
8	344.86	241.27
9	344.93	241.5
10	345	241.68
11	346.09	242.75
12	346.24	242.83
13	346.39	243.46
14	346.49	243.54
15	346.6	243.63
16	346.7	243.71
17	346.81	243.79
18	346.92	245.25
19	347.02	245.33
20	347.13	245.41
21	347.23	245.49
22	347.34	245.57
23	347.45	246.82
24	347.55	246.9
25	347.66	246.99
26	347.76	247.07
27	347.87	247.71
28	347.98	247.79
29	348.08	247.87
30	348.19	248.8
31	348.29	248.88
32	348.4	248.96
33	348.51	249.05
34	348.74	249.13
35	349.17	249.22
36	349.92	249.34
37	350.66	249.53
38	351.89	249.71
39	353.13	250.34
40	354.38	250.56
41	357.38	251.4
42	357.89	252.31
43	358.32	253.1
44	358.91	254.1
45	359.4	257.5
46	361.7	260.42
47	363.24	261.02
48	365.04	264.28
49	368.16	267.6
50	370.27	270.05
51	375.36	272.21
52	378.03	273.45
53	379.92	275.64
54	381.28	277.85
55	381.82	280.08
56	386.75	288.86
57	390.38	295.23
58	395	301.75
59	404.52	310.23
60	410.98	314.92
61	417.77	0
62	423.89	0
63	429.34	0

The Premium rates are in ₹ and are per 1,000 Sum Assured on Maturity. The rates are exclusive of Service Tax. There is a 3-year setback for female life

Premium Rates for Band 2: Sum Assured on Maturity is greater than ₹ 1,50,000

Age of Life Insured	Super 6	Super 10
0		234.59
1		234.67
2		234.75
3		234.83
4		234.91
5		234.98
6	325.08	235.06
7	325.15	235.14
8	325.34	235.24
9	325.41	235.46
10	325.47	235.64
11	326.5	236.68
12	326.64	236.76
13	326.78	237.37
14	326.88	237.45
15	326.98	237.54
16	327.08	237.62
17	327.18	237.7
18	327.28	239.12
19	327.38	239.2
20	327.48	239.27
21	327.58	239.35
22	327.68	239.43
23	327.78	240.65
24	327.88	240.73
25	327.98	240.82
26	328.08	240.89
27	328.18	241.52
28	328.28	241.6
29	328.38	241.67
30	328.48	242.58
31	328.58	242.66
32	328.68	242.74
33	328.78	242.82
34	329	242.9
35	329.41	242.99
36	330.11	243.11
37	330.81	243.29
38	331.97	243.47
39	333.14	244.08
40	334.32	244.3
41	337.15	245.12
42	337.63	246
43	338.04	246.77
44	338.59	247.75
45	339.06	251.06
46	341.23	253.91
47	342.68	254.49
48	344.38	257.67
49	347.32	260.91
50	349.31	263.3
51	350.8	265.4
52	353.3	266.61
53	355.07	268.75
54	356.34	270.9
55	356.84	273.08
56	361.45	281.64
57	364.84	287.85
58	370.89	294.21
59	379.83	302.47
60	385.9	307.05
61	397.88	0
62	407.59	0
63	414.82	0

The Premium rates are in ₹ and are per 1000 Sum Assured on Maturity. The rates are exclusive of Tax. There is a 3-year setback for female life.

You may enhance your protection under this Plan by opting for the following rider(s):

Bharti AXA Life Hospi Cash Rider (UIN:130B007V034) : This rider allows payment of a fixed benefit for each day of hospitalisation. It also offers a fixed amount benefit if you are admitted in an Intensive Unit Care or a lump sum benefit in case of surgery.
Premium Waiver Rider (UIN: 130B005V04): 100% of all future premiums under the base policy are waived and paid by the company on the death & total permanent disability or critical illness of Proposer, depending on the chosen option.

Please refer to the rider brochure for complete details on terms and conditions and exclusions before opting for the rider. Riders are optional and are available at an extra cost.

Download Brochure Policy Bond

Disclaimer:

Guaranteed money back benefits will be paid annually to the policyholder starting from the end of the premium payment term provided all premiums are paid.

Life Insurance Coverage is available under this policy.

Bharti AXA Life Insurance is the name of the Company and Bharti AXA Life Super Series is only the name of the traditional Non-participating insurance policy and does not in any way represent or indicate the quality of the policy or its future prospects. (UIN: 130N066V03)

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.

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!
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-Jul-2020-2303)

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.

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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