1 life insurance How do I fulfill the little joys in my loved ones' lives? Bharti AXA Life Monthly Income Plan+ A Plan that offers guaranteed* Monthly Income with the upside of nonguaranteed bonuses. *You will receive guaranteed monthly income after the completion of the premium payment term until maturity, if the policy is in force.
2 Bharti AXA Life Monthly Income Plan+ (A Limited Pay Traditional Participating Life Insurance Plan) Every month comes with a new wish. Be it a laptop for your kid s birthday, a trip abroad for your wife or a renovation for your home. You often postpone these desires in the pursuit of fulfilling immediate needs. We understand this, and bring to you a plan that guarantees you an extra source of monthly income that enables you to fulfill those long pending wishes and desires. Brighten up your day with your loved one s smile that makes life worth living. Even in an adverse situation, if something unfortunate were to happen to you, you can ensure that your family maintains their standard of living by receiving a higher monthly Income. Bharti AXA Life Monthly Income Plan+ is a limited premium payment traditional insurance plan ensuring a guaranteed monthly income that helps to fulfill your loved ones desires while protecting them in case of an unfortunate event. About us: Bharti AXA Life Insurance is a joint venture between Bharti, one of India s leading business groups with interests in telecom, agri business and retail, and AXA, one of the leading companies in financial protection and wealth management. The joint venture company has a 74% stake from Bharti and 26% stake of AXA.
3 What are my advantages with Bharti AXA Life Monthly Income Plan+? Guaranteed Monthly Income which is Tax Free # : You start receiving Guaranteed Monthly Income after the completion of the Premium Payment Term, until Maturity, provided the policy is in force. This income is tax free #. You have the flexibility to choose the Monthly Income you wish to receive, which decides your premium amount. # Subject to the prevailing provisions of section 10(10D) of the Income Tax Act, Potential Upside through Bonuses: NonGuaranteed Simple Annual Reversionary Bonuses get accrued to the policy from the end of 1 st policy year and get paid out on Maturity or on death. You may also receive nonguaranteed terminal bonus either on death or maturity. Life Insurance Benefit: In case of the unfortunate death of the Life Insured, a percentage of Monthly Income is payable to the nominee from the next policy month onwards and continues for the next 8, 10 or 15 years depending on the Policy Term option chosen at inception of the policy. This payout is made over and above the Monthly Income payouts made before the death of the Life Insured. The accrued NonGuaranteed Annual Reversionary bonuses and NonGuaranteed Terminal bonus are paid out on death as a lump sum along with the first monthly income installment. Tax benefits for premiums paid and benefits received, are as per the prevailing tax laws which are subject to changes.
4 How does this product work? Bharti AXA Life Monthly Income Plan+ is a Limited premium payment, traditional participating plan. You pay premiums for the chosen Premium Payment Term. At the end of the premium payment term, you start receiving your Guaranteed Monthly Income until Maturity. On Maturity, you receive NonGuaranteed accrued Annual Reversionary bonuses and NonGuaranteed Terminal bonus. Policy Term Premium Payment Term Monthly Income Benefit Period Policy Effective Date Stream of Monthly Income Maturity Date Annual Reversionary Bonuses + Terminal Bonus is paid out What are the benefits of Bharti AXA Life Monthly Income Plan+? Limited Pay Options: You have the flexibility to choose your policy term from 3 options. The corresponding Premium Payment Term and Monthly Income Benefit Period for each policy term are as mentioned below: Policy Term Premium Payment Term Monthly Income Benefit Period* (in months) 15 Years 7 Years 8 Years (96 months) 20 Years 10 Years 10 Years (120 months) 30 Years 15 Years 15 Years (180 months) Maturity Benefit: At Maturity, you receive NonGuaranteed Annual Reversionary Bonus plus NonGuaranteed Terminal Bonus, subject to the policy being in force. Annual Reversionary Bonuses: This policy participates in the performance of the participating insurance fund and surplus is distributed as bonuses. The actual bonus rate declared by the Company is dependent on the performance of the participating insurance fund. NonGuaranteed Bonuses are vested from end of 1 st policy year onwards and are payable at Maturity or on death, whichever is earlier, subject to the policy being in force. Apart from this,
5 NonGuaranteed Terminal Bonus is declared at Maturity or death of the Life Insured subject to the policy being in force. The Death Benefit: The Death Benefit payable will be the higher of the following, subject to the policy being in force: a) The Sum Assured on Death Plus Non Guaranteed simple reversionary bonuses and non guaranteed terminal bonus paid as a lump sum Or b) 105% of all premiums paid (excluding underwriting extra). Where the Sum Assured on Death will be the Higher of: 1. A multiple of the Sum Assured as given below: Policy Term 15 years 20 years 30 years Multiple of Sum Assured 165% for Ages <45 1 for Ages >=45 140% for all Ages 110% for all Ages Or times the base Annualised Premium Annualized Premium does not include modal factors and underwriting extra The Death Benefit after payment of bonuses will be paid on a monthly basis as mentioned in the table below. Policy Term No. of months for which Monthly Income Death Benefit will be payable Benefit Period* (in months) 15 Years 96 months (8 years) Death Benefit / Years 120 months (10 years) Death Benefit / Years 180 months (15 years) Death Benefit / 180 The nominee has an option to take the above mentioned death benefit as a lump sum. The lump sum shall be calculated as a Net Present Value of future monthly incomes at 8% p.a. This rate may be revised, subject to prior approval from IRDA.
6 What premiums do I need to pay? Premium rates applicable to you will depend on your age, gender, policy term, premium payment mode and chosen Monthly Income. Premium Discount: You will get a discount in premium rate if you choose a higher Monthly Income as described below: Policy Term Monthly Income Premium Rate Discount 20 and 30 years For Monthly Income greater Discount of 2% on premium than or equal to ` 3,000 Premium payment mode: You can choose Monthly, Quarterly, Semiannual or Annual Premium. Monthly Premium = 0.09 of Annualised Premium, Quarterly Premium = 0.27 of Annualised Premium, Semiannual Premium = 0.52 of Annualised Premium. Service Tax & cess will be levied as per prevailing rates.
7 What happens if I am unable to pay premiums? While we recommend that all your premiums be paid on the respective due dates, we also understand that sudden changes in lifestyle like increased responsibilities or unexpected increase in household expenses may affect your future ability to pay premiums. You have following flexibilities in order to ensure that your benefits under the policy continue in full or part form. Grace period: Grace period is the period given to you from your premium due date, to pay the premium without any impact on the benefits in your policy. Grace Period for all modes is 30 days. Lapsation: If policy has not acquired a Surrender Value In case you do not pay the premiums within your grace period, your policy will lapse and your insurance cover will cease to exist. You have the option to reinstate the policy within the period given for reinstatement of the policy. At the end of the reinstatement period if the policy is not reinstated then the policy will be terminated and no benefits will be payable. If policy has acquired a Surrender Value In case you do not pay the premiums within your grace period, your policy will be converted into paid up. You have the option to reinstate the policy or surrender the policy within the period given for reinstatement of the policy. At the end of the reinstatement period if the policy is not reinstated or surrendered then the policy will continue in paid up status. Reduced paid up value: If the policy has acquired a surrender value and the policyholder has not paid any further premiums due to any reason, the policy will automatically be converted to paid up. Once the policy becomes paid up the benefits will be reduced to paid up value and the Guaranteed Monthly Income will be calculated as a percentage of the paid up value and the reduced monthly income will be paid on an annual basis.
8 The paid up values will be calculated as follows: Paid up value on Survival = Number of Premiums paid X Sum Assured Premium Payment Term Paid up value on Death = Number of Premiums paid X Sum Assured on Death Premium Payment Term In case of death, the vested reversionary bonuses (as on the date the policy becomes paid up), shall become payable along with the first installment payout of the death benefit. In case of Maturity of the Policy, the vested reversionary bonuses as on the date the policy becomes paid up, shall be paid to the nominee/policyholder. In case of surrender of a paid up policy, the base Surrender Value plus the surrender value of the vested reversionary bonuses as on the date the policy become paid up, shall be payable. The Surrender Value will be calculated as follows: Base Surrender Value on Paid Up = Paid Up value on Survival * Base Surrender Value Factor + Surrender Value of Accrued Bonuses. In case of reinstatement of a paid up policy, the differential amount of guaranteed monthly income due (i.e. guaranteed monthly income calculated on the full Sum Assured less the guaranteed monthly income already paid out on the reduced Paid Up Value on Survival), if applicable, shall be paid to the policyholder as a lump sum.
9 Reinstatement: You have a flexibility to reinstate all the benefits under your policy within two years (subject to policy terms and conditions) after the due date of the premium in default. However, the Company would require: a) A written application from you for reinstatement; b) Satisfactory evidence of insurability; c) Payment of all overdue premiums with interest as specified by Company from time to time. In case of reinstatement of a paid up policy, the differential amount of guaranteed monthly income due (i.e. guaranteed monthly income calculated on the full Sum Assured less the reduced guaranteed monthly income already paid), if applicable, shall be paid to the policyholder as a lump sum. Can I surrender my policy? We would want you to pay premiums regularly and stay invested till Maturity to get maximum benefits under the policy. However, in case you are not able to pay all premiums and want to exit the policy earlier then only surrender value will be payable to you. Surrender Value: Your policy will acquire surrender value, only if one annualised premium is paid and the Surrender Value is payable immediately on receipt of a Surrender request from the Policy Holder. The guaranteed Surrender Value is defined as a percentage of all premiums paid excluding any extra premium. The minimum guaranteed surrender value will be as per the table below: Policy Year Surrender value as a % of sum of premiums paid less all extra Premium 15 years 20 years 10% 30% 30% 55% 55% 60% 65% 70% 75% 80% 90% 90% 10% 20% 30% 55% 55% 60% 60% 65% 65% 70% 70% 75% 30 years 10% 20% 30% 55% 55% 55% 55% 60% 60% Policy Year Surrender value as a % of sum of premiums paid less all extra Premium 15 years 20 years 30 years 80% 85% 90% 90% 90% 65% 65% 70% 70% 75% 75% 75% 80% 80% 85% 85% 90% 90% 90% 90%
10 The sum of all Guaranteed Monthly Income paid till the year of surrender shall be deducted from this Surrender Value. The Guaranteed Bonus Surrender Value Rates (per 1000 of Accrued Bonus) are as defined in the table below: Policy Year Bonus Surrender value factors per 1000 of the vested reversionary bonuses Policy Year Bonus Surrender value factors per 1000 of the vested reversionary bonuses years 20 years 30 years years 20 years 30 years The Company shall declare Special Surrender Values at such other rates not less than the Guaranteed Surrender Values specified above. These rates are not guaranteed and will be declared by the Company from time to time, subject to prior Approval from IRDA. The guaranteed monthly incomes paid in the year of surrender will be deducted from this Surrender Value. The Company shall also declare a nonguaranteed bonus surrender value, calculated per 1000 of the vested reversionary bonuses.
11 How does the policy help me in case of a financial crunch? Loans under policy: Financial burdens cannot be predicted and may arise any time. Thus this policy gives flexibility to take loan from the Company. This is only possible if your policy is in force and has acquired surrender value. The loans given under the policy are as per provisions under the policy. Maximum loan amount will not exceed 70% of Surrender Value. The loan outstanding including both the principal and interest will be deducted from the Guaranteed Monthly Income or any other benefits payable and the residual amount (if any) only will be paid to the Policy Holder. Do I get the flexibility to enhance my protection through additional features? Yes. To enhance your protection, you may customize your policy by opting for the following rider by paying extra premiums: Hospi Cash Rider: This rider allows payment of a fixed benefit for each day of hospitalization and also provides lump sum benefit in case of surgery. UIN:130B007V01 Please refer rider brochure for more details.
12 What are the tax benefits under this product? You can avail the tax benefits on the premiums paid (subject to a maximum of `1,00,000) and the benefits received subject to the prevailing provisions under Section 80C and Section 10 (10D) respectively of the Income Tax Act, The tax benefits are subject to change as per changes in Tax laws from time to time. Product at a Glance Parameter Minimum age at entry Maximum age at entry Maximum Maturity Age Minimum Monthly Income Minimum Sum Assured (which is: minimum monthly income *the period for which the monthly income is payable) Minimum Premium Policy Term *Through ECS only. Eligibility Criteria 3 years for 15 years policy term 0 year for 20 and 30 years policy term 65 years for 15 years policy term 60 years for 20 years policy term 50 years for 30 years policy term 80 years ` 2000 for 15 years policy term ` 1750 for 20 years policy term ` 750 for 30 years policy term ` 192,000 for 15 years policy term ` 210,000 for 20 years policy term ` 135,000 for 30 years policy term Depends on the minimum monthly income 15, 20 and 30 years Premium Payment Term 7, 10 and 15 years for 15, 20 and 30 years policy term respectively Premium Payment Modes Annual, Semi annual, Quarterly* & Monthly*
13 Benefits at a glance: Benefits Life Insurance Benefit Maturity Benefit Survival Benefit Description The Death Benefit payable will be the higher of the following: a) The Sum Assured on Death Plus Non Guaranteed simple reversionary bonuses and non guaranteed terminal bonus paid as a lump sum Or b) 105% of all premiums paid (excluding underwriting extra). Non Guaranteed Annual Reversionary Bonuses plus NonGuaranteed Terminal Bonus. After the completion of the premium payment term, the guaranteed monthly income is paid for 96 months for a 15 year policy term, for 120 months for 20 year policy term and for 180 months for 30 year policy term. Surrender Benefit Minimum guaranteed Surrender Value is 30% of all premiums paid till date, less all guaranteed monthly income paid till date and excluding any extra premium paid. Case Study: Rohit is 35 years old. His wife is a homemaker and he has a son who is 1 year old. Proposed solution: Rohit purchases Bharti AXA Life Monthly Income Plan + with a policy term of 15 years. He wishes to receive `3,000 as Guaranteed Monthly Income. His premium payment term will be 7 years.
14 Life Insured Rohit, Age 35 Years Monthly Income in case of survival ` 3,000 Monthly Income (in case of death) ` 4,950 Annualised Premium ` 35,715 (exclusive of any service tax and cess) (assuming Rohit is in good health) *Vested nonguaranteed benefits ` 80,784 assuming 8% Gross rate of return *Vested nonguaranteed benefits ` 9,504 assuming 4% Gross rate of return * The Gross rate of return shown above is the return earned on the participating fund of the Company. Needs met: 1. Rohit starts receiving Guaranteed Monthly Income of ` 3,000 by the time his son is 8 years old. With this Rohit can ensure that he fulfills the dreams and needs of his growing son. 2. In case something unfortunate happens to him, before Maturity of the policy, he secures his family as they receive Monthly Income of ` 4,950 until 8 years.
15 Terms and conditions 1. Freelook option: If policyholder disagrees with any of the terms and conditions of the Policy, policyholder has the option to return the original Policy Bond along with a letter stating reasons for the objection within 15 days of receipt of the Policy Bond ( the freelook period ). The Policy will accordingly be cancelled and the Policyholder will be refunded an amount equal to the Premium paid subject to a deduction of a proportionate risk premium for the period on cover, the expenses incurred by the insurer on medical examination (if any) and stamp duty charges. All rights under this Policy shall stand extinguished immediately on the cancellation of the Policy under the freelook option. 2. If the Life Insured under the Policy, whether medically sane or insane, commits suicide, within one year of the date of issuance of the Policy, the Policy shall be void and the Company will only be liable to pay the premiums paid till date. 3. If the Life Insured under the Policy, whether medically sane or insane, commits suicide, within one year of the date of reinstatement of the Policy, the Policy shall be void and the Company will only be liable to pay higher of 80% of premiums paid till date of death or the applicable Surrender Value. 4. This is a participating traditional Insurance policy.
16 Disclaimers: Bharti AXA Life Insurance is the name of the Company and Bharti AXA Life Monthly Income Plan+ is only the name of traditional participating insurance policy and does not in any way represent or indicate the quality of the policy, its future prospects or returns This product brochure is indicative of the terms, conditions, warranties and exceptions contained in the insurance policy bond Life Insurance Coverage is available under this policy Insurance is the subject matter of the solicitation Bharti AXA Life Insurance Company Limited, Registration No.: 130 Registered Office address: Unit 601 & 602, 6th Floor, Raheja Titanium, Off Western Express Highway, Goregaon (E), Mumbai Riders are not mandatory and are available at an additional cost. Hospi Cash Benefit Rider (UIN: 130B007V01)
17 SECTION 41 OF INSURANCE ACT, 1938 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 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 prospectus or tables of the Insurer. Provided that acceptance by an insurance agent of commission in connection with a policy of life insurance taken out by himself on his own life shall not be deemed to be acceptance of a rebate of premium within the meaning of this subsection if at the time of such acceptance the insurance agent satisfies the prescribed conditions establishing that he is a bona fide insurance agent employed by the insurer. Any person making default in complying with the provisions of this section shall be punishable with fine which may extend to five hundred rupees. SECTION 45 OF INSURANCE ACT, 1938 No policy of life insurance shall, after the expiry of two years from the date on which it was effected, be called in question by an insurer on the ground that statement made in the proposal for insurance or in any report of a medical officer, or referee, or friend of the insured, or in any other document leading to the issue of the policy, was inaccurate or false, unless the insurer shows that such statement was on a material matter or suppressed facts which it was material to disclose and that it was fraudulently made by the policyholder and that the policyholder knew at the time of making it that the statement was false or that it suppressed facts which it was material to disclose. Provided that nothing in this section shall prevent the insurer from calling for proof of age at any time if he is entitled to do so, and no policy shall be deemed to be called in question merely because the terms of the policy are adjusted on subsequent proof that the age of the Life insured was incorrectly stated in the proposal.
18 Your Bharti AXA Life Advisor Life insurance coverage is available in this product. For any further queries regarding the product, or any other feedback, please contact your Financial Advisor or get in touch with us on: SMS SURAKSHA to We will get in touch within 24 hours to address your query. For locating a branch near you, please visit Bharti AXA Life Insurance Company Ltd. Regd. Office address: Unit 601 & 602, 6th Floor, Raheja Titanium, Off Western Express Highway, Goregaon (E), Mumbai Reg. No. 130, Advt. No.: IISeptember Bharti AXA Life Monthly Income Plan+ UIN: 130N057V01. Insurance is the subject matter of the solicitation.
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