Key features and benefits

  • Secure your family’s future

    Secure your family’s future

    Ensure financial protection for your family in case of your untimely demise through substantial life coverage.

  • Get assured income benefits

    Get assured income benefits

    Get income benefits after policy maturity either as a lump sum or in the form of monthly payouts.

  • Enjoy flexible premium payment options

    Enjoy flexible premium payment options

    Choose from higher or lower premium payment options and flexible cash value components, as per your convenience.

  • Get extensive critical illness coverage

    Get extensive critical illness coverage

    Along with life cover, get coverage for medical expenses incurred for up to 55 chronic and terminal illnesses.

  • Get the return of premium benefit

    Get the return of premium benefit

    If no claim is made during the policy tenure, you will receive the total premiums paid towards the policy at maturity.

  • Enhance policy coverage with add-ons

    Enhance policy coverage with add-ons

    Get the option to buy add-ons to enhance the coverage of the policy. Avail of Critical Illness cover, Accidental Death Benefit, Accidental Total Permanent Disability Benefit, and Waiver of Premium Benefit.

  • Get tax benefits

    Get tax benefits

    Get tax exemptions on premiums paid for life insurance policies as per the provisions of the applicable Income Tax laws.

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Frequently asked questions

What is a life insurance policy?

A life insurance policy compensates the beneficiary or nominee in case of the policyholder's demise or after the completion of the tenure. The nominee raises a death coverage claim with the insurer in case of the insured's death to receive the sum insured in the policy. The policyholder can also renew the policy if the tenure is over. On survival of the entire policy tenure, the policyholder is eligible for a maturity benefit.

What are the different types of Life Insurance policies?

There are various types of life insurance policies: term life insurance policies, whole life insurance policies, endowment life insurance policies, money-back insurance policies, and various retirement plans.

What are the primary benefits of life insurance policies?

A life insurance plan gives you financial coverage for a secure future. This policy provides death coverage. You get the flexibility to choose the term. You can get a loan against your plan in case of a financial emergency. This policy also offers you the opportunity to create wealth.

Can we avail of tax benefits under life insurance plans?

Yes. Premiums paid by an individual under life insurance plans can avail of tax benefits under Section 80C of the Income Tax Act, 1961, subject to the conditions/ limits of the act.

What is a ‘whole life cover’?

Whole life insurance coverage is where you are covered for your entire life, i.e., as long as you live. Under this plan, you pay a premium for the first 10-15 years and get coverage maximum up to the age of 99 years.

What is a ‘surrender value’?

Surrender value is the amount the policyholder gets if he terminates/surrenders the policy before maturity. It is the amount the policyholder will get from the life insurance company if he decides to exit the policy before maturity. A regular premium policy acquires surrender value after the policyholder has paid the premiums continuously for three years.

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*T&C Apply - Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Future Generali Life Insurance Company Limited, Bajaj Allianz General Insurance Company Limited, SBI General Insurance Company Limited, ACKO General Insurance Limited, ICICI Lombard General Insurance Company Limited, HDFC ERGO General Insurance Company Limited, Tata AIG General Insurance Company Limited, The New India Assurance Company Limited, Cholamandalam MS General Insurance Company Limited, Niva Bupa Health Insurance Company Limited , Aditya Birla Health Insurance Company Limited, Manipal Cigna Health Insurance Company Limited and Care Health Insurance Company Limited under the IRDAI composite CA registration number CA0101. Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. Please refer insurer's website for Policy Wordings. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure carefully before concluding a sale. Tax benefits applicable if any, will be as per the prevailing tax laws. Tax laws are subject to change. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisors before proceeding to purchase an insurance product. Visitors are hereby informed that their information submitted on the website may also be shared with insurers. BFL is also a distributor of other third party products from Assistance Services providers such as CPP Assistance Services Pvt. Ltd., Bajaj Finserv Health Ltd. etc. All product information such as premium, benefits, exclusions, sum insured, value added services, etc. are authentic and solely based on the information received from the respective insurance company or the respective Assistance service provider company.

Note – While we have made all efforts and taken utmost care in gathering precise information about the products, features, benefits, etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.