1 Bajaj Allianz Invest Assure A Non-Linked Endowment Plan Plan that keeps future safe without ifs and buts Assuring protection with financial benefits! It takes only a moment to make promises and a lifetime to keep them. When you promise to see your family through thick and thin, you need to make sure that you have planned for all the eventualities that may befall on them. You need to be prepared that even if there ever is an instance that you are not there with them, you have saved enough to see them through their entire life. We understand this need and have developed Bajaj Allianz Invest Assure Plan- A participating limited pay endowment plan that assures you protection for your family by providing financial benefits.
2 Key Advantages Bajaj Allianz Invest Assure is a non linked, participating, individual, limited premium, endowment plan. The key advantages of this plan are: Option to choose 1.25 times or 2 times of Sum Assured as life cover Compound reversionary bonus and terminal bonus Limited premium payment term Option to take policy benefit in monthly installments More value for money with high sum assured rebate Option to enhance your coverage with rider benefits How does your plan work? You can customize your policy to suit your requirement in the following manner: Step 1: Step 2: Step 3: Step 4: Choose your Plan Variant Gold or Silver Choose your Sum Assured Choose your Policy Term (PT) Choose your Premium Payment Term (PPT) from available options Benefits payable Maturity On the maturity date, if all premiums are paid, the Sum Assured plus vested bonus and terminal bonus, if any, under your policy, will be paid and the policy will terminate Death If all due premiums are paid, then, in case of unfortunate death of the life assured during the policy term, the Sum Assured on Death plus vested bonus, if any plus terminal bonus, if any, will be payable. The Sum Assured on Death is the higher of: 10 times of annualised premium* for age at entry less than 45 years or 7 times annualised premium* for age at entry 45 years and above OR 105% of total premium* paid till date of death OR 1.25 times or 2 times of Sum Assured * Annualized Premium and total premium is exclusive of extra premium, rider premium, service tax and cess, if any
3 Sample Illustration Ramesh aged 27 years has taken a Bajaj Allianz Invest Assure policy and has opted the Gold variant for a policy term of 23 years and premium paying term of 13 years (by selecting a PPT of PT minus 10, i.e., 23-10=13). The Sum Assured chosen by him is ` 5,00,000 for which he is paying an annual premium of `28,790 after a high sum assured rebate of `4,000. The maturity benefits received by Ramesh will be as follows: Sum Assured plus CRB plus Terminal bonus on Maturity i.e `7,88,450 In case of unfortunate death at age 35 years, the nominee will receive `10,85,830 2 times of the Sum Assured plus CRB on Death i.e. `10,85,830 The premiums mentioned above are exclusive of any extra premium loading and/or service tax & cess. For female lives 3 year age set back is applicable in premium calculation. For substandard and smokers extra premium shall be charged as per board approved underwriting norms Vested bonus (CRB) mentioned above are not guaranteed and will be based on actual experience. Additional Rider Benefit You can enjoy extra coverage by choosing the optional additional rider benefits at a nominal extra cost. The riders available with Bajaj Allianz Invest Assure are: 1. Bajaj Allianz Accidental Death Benefit Rider UIN: 116B034V01 2. Bajaj Allianz Accidental Permanent Total/ Partial Disability Benefit Rider UIN: 116B036V01 3. Bajaj Allianz Critical Illness Benefit Rider UIN: 116B035V01 4. Bajaj Allianz Family Income Benefit Rider UIN: 116B037V01 5. Bajaj Allianz Waiver of Premium Benefit Rider UIN: 116B031V01 Please refer to respective rider sales literature or visit Company website or consult your Insurance Consultant for more details and eligibility conditions.
4 Features Loan You can avail loan under your policy, provided your policy has acquired a surrender value. The loan amount shall be up to 90% of the surrender value of your policy. High Sum Assured Rebate The plan offers an attractive premium discount, where you can have a discount of `10 on the annual premium for each complete additional ` 1,000 Sum Assured purchased over and above the minimum Sum Assured of ` 1,00,000. Example: Ramesh aged 27 years has taken a Bajaj Allianz Invest Assure policy with the Gold variant, Sum Assured of 500,000, policy term of 23 years and premium paying term of 13 years. His annual premium of before high sum assured rebate will be `32,790. But, after high sum assured rebate, it is `28,790. Alteration Premium Paying Frequency You will have the option to change the prevailing premium payment mode under the policy at any time, provided the prevailing and the requested frequencies can be aligned, subject to the availability of the mode and minimum modal premium criteria. The frequency factors are: Premium frequency Monthly Quarterly Half yearly Yearly Frequency Factor (freq) Option to take Policy Benefits in monthly installments You or your nominee will have the option to take the maturity benefit or death benefit in equal monthly installments over a period of 5 or 10 years from the date of maturity or the date of intimation of death. The same needs to be informed prior to the date of maturity or in writing at the time of filing the death claim form. Each monthly installment will be an amount equivalent to: For 5 years: 1.04 * maturity/death benefit divided by 60 For 10 years: 1.08 * maturity/death benefit divided by 120 After approval from IRDAI, these factors of 1.04 & 1.08 (as mentioned above) can be revised in the future, subject to IRDAI approval. The policyholder or the nominee will have the option at any time to discontinue receiving the monthly installment during the installment period. On receiving the request, the policyholder or nominee will be eligible for an amount equal to the maturity or death benefit (as applicable) less the total amount of installments already paid as on the date of request.
5 Tax Benefits Premium paid are eligible for tax benefits under Section 80C of the Income Tax Act and maturity benefit, death benefit and surrender benefit are eligible for tax benefits under Section 10(10)D of the Income Tax Act, subject to the provision stated therein. Surrender You will have the option to surrender your policy provided at least 2 years premium have been paid, for PPTs less than 10 years or at least 3 years premium have been paid, for PPTs of 10 years and above The surrender value shall be higher of the Guaranteed Surrender Value (GSV) and the Special Surrender Value (SSV) The GSV will be sum of proportion of premiums paid less extra premiums paid, if any & service tax plus cess plus surrender value of any vested bonus. The proportion of the premiums paid is as given in the table below. Policy Surrender Year 2 & 3 4 to to & above Proportion of the premiums paid till date 30% 50% 55% 60% The SSV factors are not guaranteed and may change from time to time subject to the approval of IRDAI The policy will terminate on the date of surrender Example: Ramesh aged 27 years has taken a Bajaj Allianz Invest Assure policy with the Gold variant, Sum Assured of 500,000, policy term of 23 years and premium paying term of 13 years for an annual premium of ` 28,790. At the end of 5 th year, he wants to surrender his policy. Then, Paid-up sum assured = 192,308, Vested Bonus = 41,216 (say), Paid-up value = 192, , 216 = 233,524 GSV = 71,975 (50% of total premiums paid) [ (GSV Factor) on Vested Bonus] = `72,902 Outstanding term = 18 years, Special surrender factor = , then SSV = *233,524 = ` 96,549 Surrender value payable = ` 96,549 Vested bonus (CRB) mentioned above are not guaranteed and will be based on actual experience. Early Termination Value The Early Termination Value will be available for your policy, if at least one full year s premiums have been and twelve months have been completed but three full years (for premium paying term 10 and above) or two full years (for premium paying term less than 10 years) premiums have not been paid. In case of early termination by the policyholder or non-payment of due premium during this period, the following Early Termination Value will be paid:
6 Number of Full Years Premiums paid Early Termination Value as a Percentage of the premiums paid till date 1 11% 2 15% Where premiums taken are excluding any extra premium, rider premium and/or any service tax & cess on premium This early termination value will be paid on request for termination of the policy by policyholder, death or end of the revival period, whichever happens earlier. Product Terms and Conditions Eligibility Condition Parameter Minimum Entry Age Maximum Entry Age Minimum Age at Maturity Maximum Age at Maturity Minimum Policy Term Maximum Policy Term Premium Paying Term Maximum Premium Paying Term Details Silver Variant 0 year, Gold Variant 18 years 50 years 18 years Silver Variant 70 years, Gold Variant 65 years Silver Variant - 17 years, Gold Variant 15 years 40 years Premium Paying Terms (PPT) allowed are as below Silver Variant PT (Years) 17 to to to 40 PPT (Years) Gold Variant 7 & Policy Term minus 10 7, 10 & Policy Term minus 10 PT (Years) 15 to to to 40 PPT (Years) 5,7 & Policy Term minus 10 5,7,10 & Policy Term minus 10 7, 10, 15 & Policy Term minus 10 5,7,10,15 & Policy Term minus 10 Example In Gold variant for a PT of 23 years the available PPT options are 5, 7, 10 & 13 years Please refer Annexure I for all possible premium payment terms 30 years Minimum Premium Mode Yearly Half-Yearly Quarterly Monthly* Maximum Premium Premium ` 5,000 3,000 2, No Limit Minimum Sum Assured ` 100,000
7 Maximum Sum Assured Premium Payment Frequency No Limit Yearly, Half yearly, Quarterly and Monthly* *Monthly premium payment frequency will be available under salary deduction scheme & ECS. What happens if you are unable to pay your premiums? If you have not paid First 2 years premium, for PPTs less than 10 years, or First 3 years premiums, for PPTs of 10 years & above, then, your policy will immediately lapse at the expiry of the grace period If you have paid First 2 years premium, for PPTs less than 10 years, and subsequent premiums have not been paid OR First 3 years premiums, for PPTs of 10 years and above, and subsequent premiums have not been paid, 1. Your policy will be converted to a paid-up policy with a Reduced Sum Assured 2. The vested bonuses as on the paid-up date shall remain attached to the policy. A paid-up policy will not accrue any further bonus 3. The death benefit will be the 1.25 times or 2 times of the Reduced Sum Assured for the Silver Variant or the Gold variant respectively You may revive your paid-up policy during the revival period of 2 years from the due date of first unpaid premium, subject to the revival conditions under the plan Revival If your policy is lapsed/paid-up due to non-payment of premium, you may revive the policy subject to the following conditions: a) The application for revival is made within two (2) years from the date of the first unpaid premium; b) All the due premiums together with interest at such rate as the Company may decide from time to time is paid. c) Satisfactory evidence of your good health, at your expense, is submitted; d) The revival of the policy may be on terms different from those applicable to the policy before it lapsed/became paid-up, based on prevailing Board approved underwriting norms; e) The revival will take effect only on it being specifically communicated by the Company to the policyholder; f) The Company may refuse to revive the policy, based on the Board approved underwriting guidelines.
8 Foreclosure If you have taken loan and the outstanding loan plus the loan interest, in a paid-up policy, become equal to the surrender value available under the policy, then, your policy shall be foreclosed after a sending a notice to you, and no further benefits under the policy will be payable. Termination This policy shall automatically and immediately terminate on the earlier occurrence of either of the following events: a) On payment of early termination value b) On full surrender of the policy on receipt of valid documents for the same. c) At the end of the revival period, if premiums have not been paid during the first two policy years for PPT less than 10 years or three policy years for PPT 10 years and above. d) On the date of intimation of death of the life assured. e) On date of foreclosure of the policy, if outstanding loan plus interest under a paid-up policy exceeds the surrender benefit. f) On the maturity date. Grace Period If you have failed to make payment of the premium by the due date specified, you will be allowed a grace period of 30 days for premium payment frequencies other than monthly and 15 days for monthly frequency to pay the due premium. If the death of the life assured occurs during the grace period, the death benefit shall be payable under the policy as if the policy was in force for full Sum Assured after deduction of the outstanding premiums (including extra premium, rider premium, service tax and cess, if any), if any, due under your policy as on that date. Definitions 1. Sum Assured: This is the amount you need to choose at inception of the policy to decide the death benefit, maturity benefit and the surrender benefit under your policy. 2. Reduced Sum Assured: This is applicable when you discontinue the payment of premium under your policy after paying 2 years premium for PPTs less than 10 or 3 years premiums for PPTs of 10 and above in full. This amount is arrived at, as on due date of first unpaid premium, by multiplying the prevailing Sum Assured with the ratio of the number of premiums paid to the number of premiums payable under the policy. 3. Bonus: The Company will carry out annual valuation (as per the current IRDAI regulation) at the end of each financial year and may declare following bonuses for the policies where all the due premiums have been paid.
9 a. Compound Reversionary Bonus: This is a regular bonus expressed as a percentage and is applied to the sum assured and the compound reversionary bonus amount already attached to your policy. The compound reversionary bonus, once declared, shall vest in the policy immediately, provided all due premiums till date have been paid and shall be payable as part of the death benefit or maturity benefit at the end of the policy term b. Interim Bonus: The Company may pay interim bonus as well for the policies, where any premium has been paid after the last valuation date and the death benefit or survival benefit (at the end of PPT) becomes payable before the next valuation date. c. Terminal Bonus: If your policy has completed 10 years or more and all due premiums have been paid, the Company may pay a terminal bonus as well on the termination of the policy due to death or maturity. Free Look Period Within 15 days [thirty (30) days in case this policy is issued under the provisions of IRDAI Guidelines on Distance Marketing* of Insurance Products] of the receipt of this policy, you will have the option to review the terms and conditions of the policy and if you disagree to any of the terms & conditions, you will have an option to return the policy stating the reasons for your objections. You shall be entitled to a refund comprising the all premiums (excluding applicable taxes) paid, less the proportionate amount of risk premium & additional rider benefit premium, if any, for the period the life assured was on cover and the expenses incurred by the Company on medical examination and stamp duty charges. * Distance Marketing is done through website and tele calling. Exclusions If the life assured commits suicide, whether sane or insane, the Company s liability shall be limited to the extent of if the date of death is 1 year from the date of commencement of risk, 80% of the premium paid; if the date of death is 1 year from the date of the latest revival, 80% of the premium paid or the surrender value as on the date of intimation of death, whichever is higher The validity of the contract of insurance will be determined in accordance with the actual date of death of the life assured and not the date of intimation of death. Statutory Information Assignment: Section 38 of the Insurance Act, 1938 Assignment shall be in accordance with provisions of Section 38 of the Insurance Act 1938 as amended from time to time. Nomination: Section 39 of the Insurance Act, 1938 Nomination shall be in accordance with provisions of Section 39 of the Insurance Act 1938 as amended from time to time.
10 Prohibition of Rebate: Section 41 of the Insurance Act, 1938 states No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurer. Any person making default in complying with the provision of this section shall be punishable with a fine that may extend upto ten lakh rupees. Fraud, Misrepresentation & Forfeiture- Section 45 of the Insurance Act, 1938 Fraud, Misrepresentation and forfeiture would be dealt with in accordance with provisions of Sec 45 of the Insurance Act 1938 as amended from time to time Why Bajaj Allianz Life Insurance? Bajaj Allianz is a joint venture between Bajaj Finserv Limited and Allianz SE. Both enjoy a reputation of expertise, stability and strength. This joint venture Company incorporates global expertise with local experience. The comprehensive, innovative solutions combine the technical expertise and experience of Allianz SE, and in-depth market knowledge and goodwill of Bajaj brand in India. Competitive pricing and quick honest response have earned the Company the customer s trust and market leadership in a very short time. This sales literature gives the salient features of the plan only. The policy document is the conclusive evident of contract and provides in details all the conditions and exclusions related to Bajaj Allianz Invest Assure
12 Contact Details Bajaj Allianz Life Insurance Company Limited, G.E Plaza, Airport Road, Yerawada, Pune , Reg.No.: 116., Fax: (020) Visit: BALIC CIN : U66010PN2001PLC For any queries please contact: BSNL/MTNL (Toll Free) Any Mobile & Landline (Toll Free) Mail us : Chat: bajajallianzlife.co.in/chat Bajaj Allianz Invest Assure UIN : 116N121V01 BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS IRDAI clarifies to public that - IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums. IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number. For More Information: Kindly consult our Insurance Consultant or call us today on the TOLL FREE numbers mentioned above. This brochure should be read in conjunction with the Benefit Illustration and Policy Exclusions. Please ask for the same along with the quotation. Bajaj Allianz Invest Assure is a Traditional Life Insurance Plan. The Logo of Bajaj Allianz Life Insurance Co. Ltd. is provided on the basis of license given by Bajaj Finserv Ltd. to use its Bajaj Logo and Allianz SE to use its Allianz logo. Insurance is the subject matter of solicitation. By submitting your contact details or responding to Bajaj Allianz Life Insurance Co. Ltd., with an SMS or Missed Call, you authorize Bajaj Allianz Life Insurance Co. Ltd. and/or its authorized Service Providers to verify the above information and/or contact you to assist you with the purchase and/or servicing. Insurance is the subject matter of solicitation. BJAZ-PB-0449/23-Sep-15
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