Protection Plans

Our Protection Plans

Bharti AXA Life Flexi Term Pro

A Non-linked, Individual, Non-participating Pure Risk Premium Life Insurance Plan
Get life insurance cover and flexibility to customize your term insurance plan as per your needs!

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Bharti AXA Life Premier Protect Plan

Flexibility in Policy Term
Flexibility in Premium Payment Terms ( Single , Limited, and RegularPay Options)
Multiple Death Benefit Payout Option
Increase the Sum Assured on important milestones
Tax benefits

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Bharti AXA Life Flexi Term Plan

Covers Critical illness at the age of 75.
Option to select between Comprehensive cover or Major illness cover
Flexible benefit payout option. Payout options based on your financial requirements– a) Lump sum or b) Increasing Monthly Income or c) Lump sum plus Increasing Monthly Income.
Tax benefits on the Premiums paid and payout benefits received.

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Bharti AXA Life Smart Jeevan

Affordable premiums
Offers 100% return of premiums paid till the end of Policy Term as maturity benefit.
Life Insurance covers to ensure that you are adequately protected.
Ease of purchase as no lengthy underwriting procedures are involved.
Tax benefits

Bharti AXA Life Income Protection Plan

Provides an annual pre-planned income for your financially dependent family
Term with 'Return of Premium' plan received as Maturity benefit
Two death benefit options available
Tax benefits
100-120% of premiums paid are returned at the end of the policy term as a lump sum survival benefit.

How much term insurance cover do you need?

A term insurance cover must generally be 15-20 times of your annual income. The expert recommended formula for this is that if your annual income is Rs. 6 lakhs, you must purchase a cover for minimum Rs. 90 lakhs to Rs. 1.20 crore.

How much should be the Term Insurance policy period?

Term insurance policy period must be decided by considering and assessing your individual and familial situation and requirements, including your age and health, family members’ age and health conditions, liabilities, assets, future goals, etc.

Who decides what the premium amount should be?

Several factors determine the rate of premium of your term insurance plan. These factors include age, gender, occupation, policy tenure, policy type, number of members included, history of health and diseases, etc.

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Factors Impacting Protection Plan Premium

Term Insurance

A basic insurance plan which provides a lump sum amount to the family of the person who is insured in case of his/her unfortunate death.

Term Life Insurance

A form of life insurance which provides coverage for a specified period of time and does not build cash value.

Sum Assured

Sum assured is the amount that an insurer agrees to pay on the occurrence of a stated contingency (eg: Death).

Rider Premium

It is the additional cost that has to be paid to attach a rider with a base Insurance Plan.

Deposit Term Insurance

This is a form of term insurance, not really involving a "deposit," but one in which the first-year premium is more than subsequent premiums.

Whole Life Plan

A life insurance plan which provides a cover for your entire life time. Such plans are used to accumulate and pass on the wealth from one generation to another as legacy in a tax efficient manner.

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For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale
Note: Riders are optional and available at an additional cost
Note: Tax benefits are as per the Income Tax Act, 1961, and are subject to any amendments made thereto from time to time

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