15% Discount applicable for customer's first individual life insurance policy on the life of the LA, applicable only on first year’s premium. 5% Discount for salaried employees, applicable only on first year’s premium. 6% Discount on online purchase is available for regular premium payment and limited premium payment frequency on first year's premium.
4Above illustration is for Bajaj Life eTouch II- A Non-Linked, Non-Participating, Individual Life Insurance Term Plan (UIN: 116N198V08) considering Male aged 23 years | Non-Smoker Preferred | Annual Income =>Rs. 15,00,000 per annum | Indian Resident | Policy Term (PT)– 30 years | Premium Payment Term (PPT) – 30 years | Sum Assured opted is Rs. 2,00,00,000 | Online Channel | Standard Life | 1st Year Premium is Rs. 6,214. 2nd Year onwards premium is Rs. 6,736. Total Premium is Rs. 2,01,558 | Medical Rates | Yearly Premium Payment Mode | Death benefit opted is lumpsum payout and monthly instalments (Lumpsum Payout Percentage : 40, Income Payout Percentage : 60). Income payout instalment opted for 40 years | Premium shown above is inclusive of Online Discount only, no other discounts have been considered and exclusive of Goods & Service Tax/ any other applicable tax levied, subject to changes in tax laws, and any extra premium and is for illustrative purpose only. For more details on risk factors, terms and conditions please read sales brochure & policy document (available on www.bajajlifeinsurance.com) carefully before concluding a sale.
5Tax benefits as per prevailing Section 11 (read with Schedule II, Sr.No.2) and Section 123 (under old tax regime) of the Income Tax Act shall apply. You are requested to consult your tax consultant and obtain independent advice for eligibility before claiming any benefit under the policy. Tax Benefit is calculated at the rate of 31.20% after considering deduction of Rs. 150,000/- under Section 123 of the Income Tax Act 2025 (under old tax regime).
2Get Free Health Management Services upto ₹ 31,000 per year
Health Management Services | Frequency | Cost (₹) |
|---|
Doctor Insta-Consultations | 3 consultations per month = 36 consultations per year | Average cost per session = ₹ 500 Total cost per year = ₹ 500 * 36 = ₹ 18,000 |
Health Coach
(Diet & nutrition consultations) | 1 consultation per month = 12 consultations per year | Average cost per session = ₹ 500 Total cost per year = ₹ 500 * 12 = ₹ 6,000 |
Emotional Wellness
(Psychologists consultations) | 1 consultation per month = 12 consultations per year | Average cost per session = ₹ 500 Total cost per year = ₹ 500 * 12 = ₹ 6,000 |
Network discounts: Medicines (M) - 10% Lab-test booking (L) - 10% | Throughout the year | Assumption – Total expense on these services throughout the year | Total discounts that can be availed throughout the year |
M - ₹ 5,000 | ₹ 500 |
L - ₹ 5,000 | ₹ 500 |
Total per year as per assumption | ₹ 31,000 |
Note: The above mentioned costs are based on estimated average market price for respective services. T&C apply.
Doctor Insta-Consultations and Health Coach Services are unlimited and the above numbers are assumed only for the purpose of calculation of the yearly benefit.
6Through Parental Care Option available in Bajaj Life Family Protect Rider (UIN:116B056V01)
11Loyalty additions are payable only for premium of INR 5 lacs & above and wherein the policy term is 10 years & above
10Considering assumed investment return@8% in the above illustration.
Assumed Investment return on 20th Policy Year | CAGR1 |
|---|
₹1,12,13,273 | 8% |
₹67,27,659 | 4% |
1The assumed rate of returns indicated at 4% and 8% are illustrative and not guaranteed and do not indicate the upper or lower limits of returns under the policy.
7Above illustration is for Bajaj Life iSecure II - A Non-Linked Non-Participating Term Life Insurance Plan (UIN:116N208V03) considering Male aged 25 years | Non-Smoker | Policy Term (PT) – 10 years | Premium Payment Term (PPT) – 10 years | Sum Assured opted is ₹ 50,00,000 | Online Channel | Standard Life | Total Premium Paid is ₹ 1,17,340 | Medical Rates | Monthly Premium Payment Mode | Premium shown above is exclusive of Goods & Service Tax/any other applicable tax levied, subject to changes in tax laws, and any extra premium and is for illustrative purpose only.
8If the customer is digitally KYC compliant and meets the eligibility criteria, medical, and underwriting norms.
92% Discount on online purchase is available for regular premium payment and limited premium payment frequency throughout the premium payment term.
13Mortality Charges deducted are returned at the end of the policy term, by way of Loyalty Advantage added to your Fund Value.
14Loyalty additions & Fund Maintenance Booster are subject to policy terms and conditions
15Please refer to Bajaj Life Insurance Linked Accident Protection Rider (UIN: 116A055V02) sales literature or visit the insurance company’s website or consult your insurance consultant for more details and eligibility condition.
12Considering assumed investment return@8% in the above illustration.
Assumed Investment return on 20th Policy Year | CAGR1 |
|---|
₹99,13,515 | 8% |
₹59,32,998 | 4% |
1The assumed rate of returns indicated at 4% and 8% are illustrative and not guaranteed and do not indicate the upper or lower limits of returns under the policy.
16Loyalty Addition: Loyalty Addition will be allocated at the end of 5th policy year starting from 10th policy year
17Conditions Apply – The Guaranteed benefits are dependent on policy term, premium payment term availed along with other variable factors for more details, please refer to sales brochure.
18Conditions Apply – The guaranteed benefits are dependent on the purchase price & annuity option chosen. For more details, please refer to sales brochure.
19Retired Life Income by way of Systematic Partial withdrawal, if opted for. Retired Life Income may be eligible for tax benefits as per extant Income Tax Act, subject to the provision stated therein.
20Depending on the variant chosen
21HSAR – High Sum Assured Rebate is subject to policy terms and conditions
22Premium rate applicable to female life will be based on the premium rate of 3 years’ younger male
23Features and benefits mentioned above are dependent upon annuity option chosen
24Return of Purchase Price (ROP) - The Purchase Price is the Single Premium paid excluding any GST/any other tax as may be applicable from time to time
25Fund booster is based on prevailing Annualized Premium at the time of addition of fund booster
26The Purchase Price is the single Premium or the sum of all regular/limited Premiums paid (including in a paid-up policy); excluding any GST/any other tax as may be applicable from time to time
27Tax benefits as per prevailing Section 10(10D) and Section 80C (under old tax regime) of the Income Tax Act shall apply. You are requested to consult your tax consultant and obtain independent advice for eligibility before claiming any benefit under the policy.
28Loyalty Addition: Loyalty Addition will be allocated at the end of 5th policy year starting from 10th policy year provided all due regular premiums have been paid up to date.
29Available with Bajaj Life New Critical Illness Benefit Rider - Comprehensive option (UIN: 116B058V01) - A Non-Linked, Non-Participating, Individual, Pure Risk Health Rider.
*Number of Individual Death claims paid from FY 2006-07 to 30th September 2025
This advertisement is designed for combination of Benefits of two individual products named (1) Bajaj Life Goal Assure IV - A Unit- Linked NonParticipating Individual Life Savings Insurance Plan (UIN: 116L204V01). (2) Bajaj Life Insurance POS Goal Suraksha - A Non Linked, Non Participating, Individual, Life Insurance Savings Plan (UIN: 116N155V13).These products are also available for sale individually without the combination offered/ suggested. The customer is advised to refer to the detailed sales brochure of respective individual products mentioned herein before concluding the sale
^Conditions apply. The Guaranteed benefits are dependent on the policy terms, premium payment terms availed along with other variable factors. For more details please refer respective product sales brochure.
%market linked returns benefit is available for Bajaj Life Goal Assure IV
#For Premiums of ₹ 10 Lakhs and above
^Loyalty Additions is subject to policy terms and conditions.
IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER The Unit Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender or withdraw the monies invested in Unit Linked Insurance Products completely or partially till the end of the fifth year.
ULIPs are different from the traditional insurance products and are subject to the risk factors. The premium paid in ULIPs are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document issued by the insurance company. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns.
* Conditions Apply – The Guaranteed benefits are dependent on policy term, premium payment term availed along with other variable factors. For more details please refer to sales brochure.
**Past performance is not indicative of future performance.
*Tax benefits as per prevailing Section 11 (read with Schedule II, Sr.No.2) and Section 123 (under old tax regime) of the Income Tax Act shall apply. You are requested to consult your tax consultant and obtain independent advice for eligibility before claiming any benefit under the policy.
Bajaj Life Insurance Limited, Bajaj Life eTouch II, Bajaj Life New Critical Illness Benefit Rider and Bajaj Life Family Protect Rider are the names of the company and the product/rider respectively and do not in any way indicate the quality of the product/rider and its future prospects or returns. For more details on risk factors, terms and conditions please read sales brochure & policy document of base product and rider carefully before concluding a sale or consult your “Insurance Consultant” for more details and eligibility conditions. Bajaj Life Superwoman Term comprises of Bajaj Life eTouch II – Life Shield variant (UIN:116N198V03) a Non-linked Non- Participating Individual Life Insurance Term Plan, Bajaj Life New Critical Illness Benefit Rider – Comprehensive option (UIN: 116B058V01) a Non-Linked, Non-Participating, Individual, Pure Risk Health Rider (this is a mandatory rider) and Bajaj Life Family Protect Rider – Child Care option (UIN: 116B056V01) - a Non-linked, Non-participating, Individual, Pure Risk Health Rider (this is an optional rider).
Bajaj Life eTouch II is also available individually for sale without the riders or with the other available riders options under the base policy.
^^*Available with Bajaj Life Family Protect Rider – Child Care option - A Lumpsum benefit equal to 105% of Total premiums paid4 w.r.t rider will be paid on the earliest occurrence of death or Accidental Total Permanent Disability, plus a monthly income as a percentage (0.1% to 0.5%) of Rider Sum Assured as opted at inception will be paid until child turns Age 25. 4Total Premiums Paid: Total Premiums paid till date w.r.t. the rider option shall be the total of all premiums received under the rider option chosen, exclusive of taxes, extra premium w.r.t. the rider, if any. This is an optional rider.
~~~Available with Bajaj Life New Critical Illness Benefit Rider - Comprehensive option (UIN: 116B058V01) - A Non-Linked, Non-Participating, Individual, Pure Risk Health Rider. This is a mandatory rider
^^^Health Management Services for Women upto ₹ 36,500 per year
Health Management Services for Women | Frequency | Cost (₹) |
|---|
Comprehensive Health Check-Up:
- Cancer Screening
- Diabetic, Thyroid, Lipid profile tests
- Calcium Serum test
- Complete Blood Count test | 1 per year | ₹ 3,500 |
OPD*^* in-clinic consultations
(Specialist doctors like Gynaecologist, Obstetrician, Dermatologist, Paediatrician, Orthopaedic & General Physician) *^*OPD – Outpatient Department | 1 per year | ₹ 1,000 |
Pregnancy OPD*^* wallet
(OPD*^* benefit worth ₹ 2,000 unlocked in case of pregnancy) | Once during policy term | Not considered in yearly cost since this is available once during policy term |
Doctor Insta-Consultations | 3 consultations per month = 36 consultations per year | Average cost per session = ₹ 500 Total cost per year = ₹ 500 * 36 = ₹ 18,000 |
Health Coach
(Diet & nutrition consultations) | 1 consultation per month = 12 consultations per year | Average cost per session = ₹ 500 Total cost per year = ₹ 500 * 12 = ₹ 6,000 |
Emotional Wellness
(Psychologists consultations) | 1 consultation per month = 12 consultations per year | Average cost per session = ₹ 500 Total cost per year = ₹ 500 * 12 = ₹ 6,000 |
Network discounts: Medicines (M) - 10% Lab-test booking (L) - 10% Out-patient consultation (O) - 10% In-patient consultation (P) - 5% | Throughout the year | Assumption – Total expense on these services throughout the year | Total discounts that can be availed throughout the year |
M - ₹ 5,000 | ₹ 500 |
L - ₹ 5,000 | ₹ 500 |
O - ₹ 5,000 | ₹ 500 |
P - ₹ 10,000 | ₹ 500 |
Total per year as per assumption | ₹ 36,500 |
Note: The above mentioned costs are based on estimated average market price for respective services. T&C apply.
Doctor insta consultations and health coach services are unlimited and the above numbers are assumed only for the purpose of calculation of the yearly benefit.
IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER
The Unit Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender or withdraw the monies invested in Unit Linked Insurance Products completely or partially till the end of the fifth year.
ULIPs are different from the traditional insurance products and are subject to the risk factors. The premium paid in ULIPs are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document issued by the insurance company. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns.
Tax benefits as per prevailing Section 10(10D) and Section 80C (under old tax regime) of the Income Tax Act shall apply. You are requested to consult your tax consultant and obtain independent advice for eligibility before claiming any benefit under the policy.
The Unit Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender or withdraw the monies invested in Unit Linked Insurance Products completely or partially till the end of the fifth year. ULIPs are different from the traditional insurance products and are subject to the risk factors. The premium paid in ULIPs are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. Bajaj Life Insurance Limited is only the name of the Life Insurance Company and Bajaj Life Supreme A Unit Linked Non-Participating Individual Life Savings Insurance Plan (UIN: UIN: 116L211V02) is only the name of the unit linked insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns. Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document issued by the insurance company. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns.
30Return of Mortality Charges will be excluding any extra Mortality charge & or Goods & Service Tax/any other applicable tax levied on the Mortality charge deducted, subject to changes in tax laws. 100% Return of Mortality Charges (ROMC) shall be added back to the fund value at the end of 15th policy year and in every 5th policy year after that before maturity. At maturity 100% ROMC shall be paid.
31Loyalty Additions will be added into the Regular/single Premium Fund Value and will be 0.25% of the average fund value of the last 3 years (including the current year) at the end of every year starting from the 16th policy year till the end of policy term.
33Conditions Apply - The Guaranteed benefits are dependent on policy term, premium payment term availed along with other variable factors. For more details, please refer to sales brochure.
32If all premiums under the policy are paid up to date and provided the policy is in force, Amount equal to premium allocation charges deducted every year accrued at a guaranteed rate of 7% p.a. (compounding annually) will be added to the regular/single premium fund value at end of 15th policy year.
#**Systematic Partial Withdrawal is allowed only after the first five policy years
#$Under Bajaj Life Secure Plus - Shield with ROP Variant, the total premiums paid towards Accidental Death Benefit, Accidental Total Permanent Disability Benefit and Terminal Illness with Term Booster Benefit are paid back at maturity
