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Future Gain

Bajaj Allianz Future Gain lets your maximize your benefits at nominal costs. With this ULIP plan, you can watch your money grow as it lets you choose from 2 investment strategies and 7 investment.

  • Investment starting @ INR 2500/month

  • Tax-free Investments

  • Flexibility to choose between 2 investment portfolio strategies

  • Premium Waiver Benefit option

Goal Assure

Bajaj Allianz Goal Assure is a life goal-based Unit Linked Insurance Plan that offers you the opportunity to plan for life’s valuable lifetime experience without worrying about finances.

  • Investment starting @ INR 3000/month

  • Enjoy tax benefits up to 1.5 lakhs

  • Choose from 4 investment portfolio strategies, 8 fund options

  • Return of life cover charges

Long Life Goal

Bajaj Allianz Life Long Life Goal is a where you pay premium for a limited time and get regular income during your retirement years.

  • Investment starting @ INR 2500/month

  • Regular income after retirement

  • Tax benefits on investment

  • Return of life cover charges

Features and Benefits of ULIP Plans

  • Top-Rated by Morning Star

    As per Morning Star, Bajaj Allianz ULIPs available on Finserv MARKETS enjoy good ratings with approximate returns as high as 25% over a 5-year investment period.

  • Flexibility

    With Bajaj Allianz ULIPs available on Finserv MARKETS, based on your risk appetite, you can choose the funds you wish to invest in.

  • Maturity Benefit

    As the funds invested in a ULIPs are used across the stock market, your returns are dependent on market performance. The better the market performs, the higher your profit margin.

  • Death Benefit

    Due to its dual nature of being an investment option and an insurance cover, upon the death of the insured, the nominee can claim the ULIP fund amount.

  • Liquidity

    With ULIP plans, you can withdraw your funds post the 5-year lock in period minus any withdrawal charges.

Know your ULIP Plans Better

Parameter

LongLife Goal

Goal Assure

Future Gain

Entry Age

0 - 65 years

0 - 60 years

1 - 60 years

Maturity Age

Up to 99 years

Up to 75 years

Up to 70 years

Waiver of Premium Rider

Available

Not Available

Available

Return of Mortality Charges

Available

Available

Not Available

Minimum Premium

Rs. 2,500 per month

Rs. 25,000 per annum

Rs. 3,000 per month

Rs. 36,000 per annum

Rs. 2,500 per month

Rs. 25,000 per annum

Loyalty Additions

Available

Available

Not Available

Fund Boosters

Not Available

Available

Not Available

Retired Income Benefit up to the Age of 99 years

Available

Not Available

Not Available

Return Enhancer on Retired Life Income

Available

Not Available

Not Available

Return Enhancer with Settlement Installment

Available

Available

Not Available

No Allocation Charge

Available

Available

Not Available

No Policy Admin. Charge

Available

Not Available

Not Available

No Partial Withdrawal Charges

Available

Available

Available

Survival Benefit

Retired Life Income + Fund Value at Maturity

Fund Value at Maturity

Fund Value at Maturity

Death Benefit

Sum Assured or Fund Value, whichever is higher

Sum Assured or Fund Value, whichever is higher

Sum Assured or Fund Value, whichever is higher

How To Choose Best ULIP Plans For Investment In India

ULIP is one of the best investment instruments that help you accomplish your long-term financial goals. But choosing the right plan can be overwhelming. But don’t worry! Here are a few things that will help you choose the best ULIP plan available in the market.

  • Choose ULIP according to your financial goals

With ULIP, you can invest in equity-oriented funds, debt funds, or a combination of the two. Equity funds are high-risk funds which also provide high returns in the long run. On the other hand, debt funds are low-risk funds and help you build your wealth. Depending on your risk appetite, choose the type of fund you want to invest in. At any point, you can switch between equity and debt funds and vice versa, according to your financial needs.

  • Opt for adequate Life Insurance coverage

Along with the liberty to invest in funds of your choice, ULIP plans also provide the benefits of life insurance coverage. So, in case of your (the policyholder’s) sudden death, financial coverage will be provided to the dependents. Hence, keeping the future in mind, you need to choose adequate life coverage. 

  • Invest in ULIP for a long-term

To yield high returns, you must stay invested in ULIP for a long time. If you are investing in ULIPs for a long-term, you can avail bonus offers such as Wealth Boosters and Loyalty Additions that further help you boost your wealth.

  • Know the ULIP charges

Following are the four charges that you need to be aware of when investing in ULIPs -

  1. Premium Allocation Charges

  2. Policy Administration Charges

  3. Fund Management Charges

  4. Mortality Charges

  • Check the ULIP tax benefits

The premiums paid on ULIPs are exempted for tax under Section 80C of the Income Tax Act, 1961 which is one of the ULIP tax benefits. The maximum tax-deductible amount is INR 1.5 Lakh a year. Moreover, the amount you receive after the policy matures is also tax-exempt under Section 10(10D).

ULIP Checklist

There are several variations of ULIPs available in the market; each of these comes with its unique features. Choosing the right ULIP for accomplishing your financial goals can be an overwhelming task. Hence, follow this checklist for a hassle-free process.

  • It is critical to know how the ULIP works. So, make sure that you are researching the same before investing

  • Be aware of the charges involved in the ULIP that you have chosen along with the exit criteria of the policy

  • Be focused on the investment goals of the ULIP. Choose a plan that suits your risk appetite and will help you build your wealth over time

  • Have an understanding of how the market performance

  • Different insurance providers offer various ULIP investments. To make the most suitable choice, compare ULIP plans online based on the premium payments, fund performance, additional features, and cost structure.

Investment Strategies for ULIP Plans

  • Investor Selectable Portfolio Strategy
  • Wheel of Life Portfolio Strategy
  • Wheel of Life Portfolio Strategy II
  • Trigger Based Portfolio Strategy
  • Auto Transfer Portfolio Strategy

To reap ULIP benefits, as a policyholder you can allocate the premiums based on your personal choice among the 8 given funds, as per your risk appetite and investment needs. For more details please refer to the policy brochure.

Financial needs and goals change as life progresses. Therefore, having an investment strategy that can be re-aligned to such changes in essential. The wheel of life investment strategy allows the policyholder to allocate premiums among 5 funds in pre-defined ratio. This ratio changes as the policy ages towards maturity.

Your personal financial goals may change at different life stages and your investment strategy hence needs to be realigned to these goals. This strategy offers a “years to maturity” based portfolio management approach, for your ULIP plan. When you choose this strategy, the premium paid, and the fund value gets allocated in the funds mentioned (namely Accelerator Mid-Cap Fund II, Equity Growth Fund II and Bond Fund & Liquid Fund), in the proportion depending on the outstanding years to maturity. The auto allocation of premium helps in averaging out the risk factor as the percentage of allocation year on year is linked to the risk appetite (with respect to increase in age). For more details please refer to the policy brochure.

As a policyholder, you can opt for this strategy only at the commencement of the ULIP plan. This strategy is not only helpful in securing the gains but also helps in the maintenance of asset allocation. At a ratio of 75:25, your premiums get allocated in Equity Growth Fund II and Bond Fund and this ratio gets re-balanced/re-allocated based on a pre-defined trigger event. The trigger event is defined as 15% upward movement in NAV (unit price) of Equity Growth Fund II since the previous rebalancing or from the NAV (unit price) at the inception of the policy, whichever is later. For more details please refer to the policy.

As a policyholder, this strategy allows you to invest your money in a systematic way over the years, by transferring the money automatically from a low risk fund(s) to a fund of your choice. The switching proportion depends upon the number of outstanding months, till the next premium due date of your Bajaj Allianz ULIP. However, this strategy won’t be available to you if you’ve opted for a monthly premium payment mode. For more details please refer to the policy brochure.

Manage all your ULIP Plan related queries here

  • ✔️What is a Unit Linked fund?

    In a Unit Linked Insurance Policy, the money you pay as premium goes into a pool called the Unit Linked Fund. This fund is managed by the insurance company and is invested in a range of equity and debt instruments to offer you the dual benefit of a Life Cover and a potential to get maximum benefits.
  • ✔️What is a unit?

    A Unit Linked Fund can be divided into a number of individual parts called units.
  • ✔️What is a Fund Value and how it is calculated?

    Fund Value is the total value of your premiums that are invested in various funds of your choice. It can be calculated by using the formula - Fund Value = Total Number of units under a policy x Net Asset Value
  • ✔️Which important sections should I verify before submitting my proposal form?

    You should verify:- 1.All the charges deductible under your policy, such as policy allocation charges, fund management charges and other such relevant charges, 2. Features and benefits of your policy, such as loyalty additions, premium payment options and more such relevant benefits, 3. Limitations and exclusions under your policy like waiting period, lock-in period, pre-existing illnesses and more such relevant information, 3. Lapsation of your policy and its disadvantages, 4. Other disclosures, 5. Illustrations showing the benefits payable to you.
  • ✔️What are the tax benefits of investing in a Bajaj Allianz ULIP?

    Money invested in ULIP can be claimed as a deduction under section 80C (life insurance) or 80CCC (pension). A maximum of Rs 1,50,000 is allowed under section 80C/ 80CCC. Deduction is available on life insurance ULIPS under Section 80C, up to 10% of the sum assured or annual premium whichever is lower subject to a ceiling of Rs. 1,50,000. Deduction towards premium paid for ULIP retirement under section 80CCC is Rs. 1,50,000. Further the overall limit of section 80C/80CCC/80CCD(1) is Rs. 1,50,000. Of course you can invest a higher amount, but the deduction will be limited to Rs 1,50,000.
  • ✔️What is MWP Act?

    Under this act, "a policy of insurance effected by any married man on his own life and expressed on the face of it to be for the benefit of his wife, or of his wife and children, or any of them, shall ensure and be deemed to be a trust for the benefit of his wife, or of his wife and children, or any of them according to the interests so expressed, and shall not, so long as any object of the trust remains, be subject to the control of the husband, or to his creditors, or form part of his estate."
  • ✔️How ULIPs can beat mutual funds after LTCG tax?

    ULIPs always had the edge, but the new LTCG tax gives them more punch. Even before the Budget proposed to tax long-term gains from stocks and mutual funds, Ulips had an edge over equity mutual funds. If balanced schemes or equity mutual funds were held for less than one year, the short-term capital gains were taxed at 15%. But since Ulips are insurance products, the short-term gains were tax free under Sec 10(10D). That advantage has become even bigger after the new LTCG tax kicks in from 1 April. The gains from balanced and equity funds will be taxed at 10% but income from Ulips will be tax free . The tax-free advantage of Ulips extends beyond equity funds to the fixed income space. Ulips not only offer equity funds but also debt and liquid fund options to investors. Income from fixed deposits is taxed at the marginal rate while LTCG from debt funds are taxed at 20% after indexation. But gains from Ulips are tax free. Whether you make short-term or long-term gains from any fund.
  • ✔️What is the amount that I receive at the end of my Bajaj Allianz ULIP policy term?

    The benefit you will receive at the end of policy term is called Maturity Benefit. The Maturity Benefit will be equal to the Fund Value at the time of maturity.
  • ✔️What will my family receive in my absence?

    In case of your unfortunate death before the maturity date, provided your policy is in force and all premiums are duly paid, the death benefit shall be paid to your nominee as a lump-sum which will be higher of the sum assured opted by you or the fund value as on date of death.
  • ✔️What are various charges in ULIPs?

    There are basically 5 charges in ULIPs. These amounts would be deducted from your insurance premium and balance is invested which would generate returns for you. 1. Premium Allocation charges: This is deducted from the premium upfront. It is a percentage of the premium appropriated towards charges before allocating the units under the policy, 2. Policy Administration Charge: This charge is deducted towards the administrative expenses incurred by the company towards the maintenance of the policy, 3. Mortality charges: This is the cost charged by insurance company towards providing you the insurance cover, 4. Fund management charges: These are charges for management of fund. These are reduced from the NAV of the fund, and 5. Surrender Charges: These are the charges which you need to bear in case you want to surrender your ULIP policy before the tenure of the plan. Generally you can surrender ULIP only after 5 years.
  • ✔️Is interest on ULIP taxable?

    No interest earned on Bajaj Allianz ULIPS is tax-free.
  • ✔️Can I surrender a ULIP at any time?

    No. You need to wait for the 5-year lock-in period to end before surrendering an existing ULIP.
  • ✔️What are top-ups? And do they fall under Section 80C for tax benefit?

    The additional investments–over and above the regular premium you’re allowed to make in ULIPs are called top-ups. Yes, of course, for the purpose of tax deduction under section 80C of the Income Tax Act, there’s no difference between regular premium and a top-up premium.
  • ✔️What is settlement option under ULIP Policy?

    In Unit Linked Polices, instead of taking a lump sum amount at maturity, some plans provide policyholders with the option to receive the Maturity Benefits as a structured payout (periodic installments) over a period of 5 years after maturity. This is known as the Settlement Option.
  • ✔️What are the terms and conditions for partial withdrawal?

    Partial withdrawals are allowed only if: 1.The minimum amount of partial withdrawal is Rs. 5,000, 2. The Regular Premium Fund Value should not fall below four times of the Annualized Premium after a partial withdrawal, 3. The maximum amount of partial withdrawal at any one time is 10% of the total premiums paid, 4. The total amount withdrawn through-out the policy term cannot exceed 50% of the total premiums paid, 5. The time interval between any two partial withdrawals cannot be less than 3 monthsPartial withdrawal are allowed only after life assured attaining age of 18 year and 6. The time interval between any two partial withdrawals cannot be less than 3 months.
  • ✔️Under what conditions will my policy be terminated?

    Your policy shall automatically and immediately terminate on the earlier occurrence of any of the following events - 1. On foreclosure of the policy, 2. On the date of receipt of intimation of death of the Life Assured, 3. On payment of Discontinuance Value or Surrender Benefit 4. The Maturity Date, unless the policyholder has opted for the Settlement Option, 5. The expiry of the Settlement period, if opted and 6. On cancellation of policy during Free look period. All risk covers under the policy will terminate immediately, and the policy itself will terminate on payment of the last installment, if policyholder has opted for Settlement Option.
  • ✔️What will happen in case of non-payment of premiums?

    On discontinuance of premiums during the first 5 policy years: At the end of the notice period of 30 days, the policy will be converted to a Discontinued Life Policy and the Fund Value minus discontinuance charge will be transferred to the Discontinued Life Policy Fund. The discontinuance value shall be payable at the end of the lock-in period of 5 policy years. On discontinuance of premiums after the first 5 policy years: A notice will be sent by the Company to the Policyholder within 15 days of the expiry of the grace period to exercise one of the options mentioned below within 30 days of receipt of such notice - 1. Option A: Revive the Policy or, in writing, agree to revive the policy within the revival period by paying all due premiums, 2. Option B: In writing intimate the Company to surrender the policy and receive the surrender benefit, or 3. - Option C: In writing, intimate the Company to continue the policy as a paid-up policy with a paid-up sum assured with all the other benefits excluding additional rider benefits, Loyalty Additions & Fund Boosters, subject to deduction of all applicable charges under the policy. Till the expiry of the revival period or receipt of intimation of surrender request as per or receipt of intimation to convert as paid-up policy, whichever is earlier the policy shall be treated as in-force with all risk cover, including additional rider benefits, if any, by deduction of all applicable charges under the policy. If the company does not receive any intimation then, on the Date of Discontinuance, the Policy will be terminated and the Surrender Benefit shall be paid immediately.
  • ✔️Is there any Life cover available during the period of the Settlement Option?

    No. Life cover is not available during the period of the Settlement Option under ULIP policies.
  • ✔️What is Bajaj Allianz Life Goal Assure?

    Bajaj Allianz Life Goal Assure is an individual unit-linked endowment plan. Go through the website 'Our Products' page for more information on Goal Assure.
  • ✔️What is Return of Mortality Charge (ROMC) benefit under Bajaj Allianz Life Goal Assure?

    At the end of the policy term, on the maturity date, the total amount of mortality charges deducted in respect of life cover provided throughout the policy term, will be added back as ROMC, to the Fund Value.
  • ✔️What is Return Enhancer benefit under Settlement option in Bajaj Allianz Life Goal Assure Plan?

    The amount paid out to the policyholder in each installment will be the outstanding Fund Value as at that installment date divided by the number of outstanding installments, hiked-up by 0.5%. Therefore, each installment is equal to [Fund Value / No. of Outstanding Installment] * 1.005. The hike-up is called the Return Enhancer.
  • ✔️How many funds are available under investor selectable portfolio strategy under Goal Assure?

    Under the investor selectable portfolio strategy, the policyholder will have the following eight fund choices:- 1. Equity Growth Fund II, 2. Accelerator Mid-Cap Fund II, 3. Pure Stock Fund, 4. Pure Stock Fund II, 5. Asset Allocation Fund II, 6. Bluechip Equity Fund, 7. Bond Fund and 8. Liquid Fund.
  • ✔️What is Bajaj Allianz Future Gain?

    Bajaj Allianz Future Gain Plan is an individual unit linked endowment plan. Visit the 'Our Products' Page on ULIPs for more information on this plan.
  • ✔️What are the two different portfolio strategies available in Bajaj Allianz Future Gain?

    There are two portfolio strategies - 1. Investor selectable portfolio strategy and 2. Wheel of life portfolio strategy.
  • ✔️How many funds are available in investor selectable portfolio strategy in Bajaj Allianz Future Gain?

    Under the investor selectable portfolio strategy, the policyholder will have the following eight fund choices:- 1. Equity Growth Fund II, 2. Accelerator Mid-Cap Fund II, 3. Pure Stock Fund, 4. Asset Allocation Fund II, 5. Bluechip Equity Fund, 6. Bond Fund and 7. Liquid Fund.
  • ✔️Can the policyholder decrease the Sum Assured under Bajaj Allianz Future Gain?

    Yes. After the first policy year, the policyholder will have the choice to reduce his sum assured subject to the minimum allowed under the product. Such reduction shall be allowed at monthly policy anniversaries only.
  • ✔️Can policyholder change the premium paying term in Bajaj Allianz Future?

    Yes, policyholder has an option to change (increase or decrease) the premium paying term at any time subject to the minimum and maximum premium paying term allowed under the product and subject to the minimum premium under the plan.
  • ✔️How much of my premium is used to purchase units?

    The full amount of premium paid is not allocated to purchase units. Insurers allot units on the portion of the premium remaining after providing for various charges, fees and deductions. However the quantum of premium used to purchase units varies from product to product. The total monetary value of the units allocated is invariably less than the amount of premium paid because the charges are first deducted from the premium collected and the remaining amount is used for allocating units
  • ✔️Can one seek refund of premiums if I'm not satisfied with the policy, after purchasing it?

    The policyholder can seek refund of premiums if he disagrees with the terms and conditions of the policy, within 15 days of receipt of the policy document (Free Look period). The policyholder shall be refunded the fund value including charges levied through cancellation of units subject to deduction of expenses towards medical examination, stamp duty and proportionate risk premium for the period of cover
  • ✔️Is it possible to invest additional contribution above the regular premium?

    Yes, one can invest additional contribution over and above the regular premiums as per their choice subject to the feature being available in the product. This facility is known as “TOP UP” facility.
  • ✔️An one switch the investment funds after taking a ULIP policy?

    Yes. “SWITCH” option provides for shifting the investments in a policy from one fund to another provided the feature is available in the product. While a specified number of switches are generally effected free of cost, a fee is charged for switches made beyond the specified number depending on the insurer
  • ✔️What are the Loyalty Additions payable under Bajaj Allianz Life Goal Assure?

    The Company shall allocate Loyalty Additions to the Regular Premium Fund Value as percentage of one Annualized Premium from the 6th year onwards, provided all due Regular Premiums have been paid up to date. The Loyalty Additions are: 1. 5-year policy: Loyalty Addition not applicable, 2. 10-year policy: 0.50% applicable, 3. 15-year policy: 1% applicable and 4. 20-year policy: 1.5% applicable.
  • ✔️What are Fund Boosters benefits available under Bajaj Allianz Life Goal Assure?

    On the maturity date, Fund Booster will be added to the Regular Premium Fund Value, provided all due Regular Premiums have been paid up to the date. The Fund Booster (as % of one Annualized Premium) are: 1. 5-year policy: Fund Booster not applicable, 2. 10-year policy: 20% applicable, 3. 15-year policy: 40% applicable and 4. 20-year policy: 60% applicable.
  • ✔️What does Retired Life Income (RLI) mean in a Bajaj Allianz Long Life Goal ULIP and how can it be exercised?

    A Retired Life Income is a regular income-like pay out, that you get through systematic partial withdrawal. You can decide when you want to receive this RLI at any policy anniversary, when you turn 55 years or after the 10th policy year, whichever is later. This retirement income constitutes of a percentage of your fund value (ranging from 0 to 12% per annum), as chosen by you, and is paid yearly, half-yearly, quarterly or monthly. The instalment is paid by redeeming units from the funds in the same proportion as the fund value in each fund and will be redeemed at the unit price applicable on the date of each RLI instalment. RLI payment is through Systematic Partial Withdrawal and the percentage can be changed anytime during the policy term or even after starting RLI. However, the fund value after payment of the instalment of RLI should not drop below 105% of total premiums paid till date, otherwise your Bajaj Allianz ULIP return gets deeply impacted.
  • ✔️What does switching mean and how does it work?

    Bajaj Allianz ULIPs available on Finserv Markets, offer the dynamic option of switching only under the investor selectable portfolio strategy, which adds the much-needed flexibility to ULIP plans. As an investor it helps you to optimize asset allocation by allocating funds between equity and debt funds to best leverage the market scenario. Switches under this whole life insurance plan allow you to move your investments from one fund to another, within one plan, without any additional charge. You can transfer units fully or partially between fund options - equity, debt or a combination of both.If you opt for Investor Selectable Portfolio Strategy, you also have the flexibility of switching units between the investment funds as per your choice. However, this option is not available in other portfolio strategies. The minimum switching amount is Rs 5,000 or the value of units in the fund to be switched from, whichever is lower. You can make unlimited free switches during the policy term by giving a written notice to Bajaj Allianz Life. You will need to mention the exact amount to be switched and the name of the existing and the new fund. You can also avail this option through our customer portal, where you can manage this whole life insurance plan. In addition to market fluctuations, the decision to switch funds should also be based upon your risk appetite and life goals.
  • ✔️How does the switching between the portfolios work in Bajaj Allianz Life Long Life Goal?

    As a Bajaj Allianz ULIP policyholder you have the option of switching between any of the following portfolio strategies - Investor Selectable Portfolio Strategy, Wheel of Life Portfolio Strategy II, Auto Transfer Portfolio Strategy, except for Trigger Based Portfolio Strategy. You can opt for Trigger Based Portfolio Strategy only at the time of the start of the ULIP plan. You will need to give 30-days written notice before the policy anniversary to exercise the switching option.
  • ✔️What is meant by Periodical Return of Life Cover Charge (PROMC) under this whole life insurance plan?

    The PROMC enhances your ULIP returns by periodically adding back the mortality charges to the fund value. The first addition is when you, as a policyholder attain 60 years of age or at the end of the 15th policy year, whichever is later. The next additions are at the end of each subsequent 10th year, and the last addition is on the date of maturity. However, PROMC is not applicable in case of a surrendered, discontinued or paid-up policy and will be payable provided all due premiums under your ULIP plan have been paid up to date.

ULIP (Unit Linked Insurance Plan) Reviews

ULIP (Unit Linked Insurance Plan) Reviews

3.6out of 5

7 reviews

Happy With the Service Provided

I recently purchased a Bajaj Allianz ULIPs and the process was very smooth. I got investment and insurance under one plan and I can also keep a track of my investment returns with ease.

I Can Opt for Partial Withdrawal

The best part about ULIP plans available at Finserv MARKETS is that I can opt for partial withdrawals post the lock-in period. This feature will allow me to take care of important expenses in the future.

Investment Flexibility

I am happy with the ULIP plan as it helps me to invest my money according to my risk appetite. Therefore, I invest in debt funds to make sure that I save enough money for my retirement.

Great plan for fulfilling long-term goals

I invested in Bajaj Allianz ULIP plan 6 years ago. This investment helped me save up for my dream car through high returns It offered great risk mitigation with the flexibility to switch between funds.

I could buy my new house with savings through ULIP plans

When I invested in the ULIP Plan available on Finserv MARKETS, it helped me build my wealth and pay the down-payment of my new house. It was a great financial help for me.

Add-on covers with the ULIP plans are great!

The Bajaj Allianz ULIP plan on Finserv MARKETS did not just assure good returns & flexibility, but also came with extensive add-on covers like return of life waiver of premium benefit. These add-on covers helped me make the most of my invested money and earn greater benefits.

Flexible ULIP plans that allowed me to invest as per my risk appetite

With Bajaj Allianz ULIP plans on Finserv MARKETS, I could choose the funds of my choice. This flexibility allowed me to take control over my invested amount and earn considerable returns as per the market. Great plans!