• Overview
  • Future Gain
  • Goal Assure
  • Long Life Goal
  • Risk Calculator

Planning to send your child abroad for higher education? Or looking to save for your child’s dreams? What will be the cost of fulfilling these desires and make these dreams a reality? Bringing these big dreams to reality requires immense efforts and well-planned investments. This is why Future Gain ULIP is the right choice for you! An investment in Future Gain ULIP can secure your future financial need, so your child does not have to compromise on his/her dreams.

Bajaj Allianz Future Gain lets you maximize your benefits at nominal costs. With this ULIP plan, you can watch your money grow as it lets you choose from 2 investment plans and 7 investment funds. Bajaj Allianz Future Gain offers you great flexibility with the option of partial withdrawal from the funds and the option to switch between funds and/or portfolio. Now say YES to your child’s brighter future with the right investment!

Features & Benefits of Future Gain ULIP

Key features of Future Gain ULIP include:

  • Choose between 2 investment strategies

    The choice of 2 investment portfolio strategies makes investing a seamless process for you. With the flexibility of choosing between the two strategies, you can watch your money grow.

  • Death Benefit

    In case of the unfortunate event of your death before the maturity date, your nominee will receive a death benefit as a lump-sum which is the sum assured or fund value, which is higher among them.

  • Survival Benefit

    With Future Gain ULIP, you can enjoy a maturity benefit as a survival advantage which includes the fund value and the top up premium fund value if applicable.

  • Choice of 7 funds

    With a choice of 7 funds, the Bajaj Allianz Future Gain plan available on Finserv MARKETS, you can enjoy ULIP returns as high as 10-11% over a 5-year investment period. Moreover, the option of switching between funds further enhances the investment journey.

  • Dual Benefit

    With its dual benefit, the Future Gain ULIP is not just an ideal investment plan, but also an insurance cover that offers death benefit. In the event of the unfortunate death of the insured, the nominee can claim the ULIP fund amount.

  • Liquidity

    With the Future Gain ULIP plan, you can withdraw your funds post the 5-year lock in period minus any withdrawal charges. You can also make partial withdrawal from funds.

  • Tax Benefits

    As per the Income Tax Act of 1961, ULIP is a tax-free investment plan. Under section 80C, you can enjoy ULIP tax benefits by claiming deductions equivalent to the premium amount paid by you as life insurance or under 80CCC as pension up to a permissible limit. This limit is currently set at Rs 1.5 Lakh. Also, under section 10(10D), you enjoy tax benefits on partial withdrawal / maturity.

Why Invest in Future Gain?

  • Increasing Educational Costs

    Driven by inflation, educational costs in India are on the rise. It is anticipated that with the current scenario of rising costs, the average cost of an MBA degree will be around 50-60 Lakhs (INR), while an engineering degree will cost around 25-30 Lakhs (INR) by 2025-end. Moreover, according to a survey, an average middle-class family spends around 60% of its salary on their children’s education. This alarming situation calls for an investment with high returns, ULIP plans being the ideal choice.

  • Dual Benefits in One Plan

    With Future Gain ULIP, you enjoy the benefits of an investment as well as an insurance plan. This child investment plan provides a financial protection your child needs, more so in your absence. Even in the case of an unfortunate event, rest assured that your child’s future is secured by means of this Bajaj Allianz Future Gain ULIP.

  • Small Investments Reap Bigger Returns

    With small investments on regular intervals, you can watch your money grow into a compounded handsome amount on maturity. This collection of funds and the Bajaj Allianz Future Gain fund performance helps ease the financial burden when it comes to paying your child’s education fees and other charges involved when studying abroad.

  • Prevents you from falling in debt

    With a number of students and their families suffering under the burden of education loan debt, the situation is getting more and more alarming. While you cannot do without getting the best education opportunities for your child, preparing for its finances is vital. Here’s where ULIPs help you. Future Gain ULIPs are a great investment option that enable you to use your regular savings to prevent you from falling into debt.

  • Save on Taxes

    When it comes to tax savings, a ULIP is the best investment option to have. From its very first investment up to maturity, ULIP plans are exempt as per the Income Tax Act of 1961, under section 80C, 80CCC and 10(10D). Hence, ULIP tax benefits enable you to save more and secure a brighter future for your child with the right financial planning.

  • Add-on Benefits

    With the flexibility of enhancing your coverage with the available riders and the option to take maturity benefit in installments, the Bajaj Allianz Future Gain is the plan you need!

How does Future Gain work?

A ULIP investment is divided into two parts. The first part goes into the premium to secure the life insurance cover and second part of the investment goes into equity or debt funds to reap financial benefits. With respect to your future financial goals, you can increase or reduce the ratio of your ULIP investments in favor of your investment portfolio or insurance coverage. In both the scenarios, you are sure to gain exceptional financial benefits.

Let’s understand with an example how the Bajaj Allianz Future Gain ULIP helps you save for your child’s future

Vijay, a 35 years old Male is investing Rs.10,000 every month for his 8 years old daughter in Bajaj Allianz Future Gain Plan. With a total investment of Rs. 18,00,000, he will receive Rs. 37,83,930 at the end of 15th policy year. The return amount will help Vijay cater the finances required for his daughter’s higher education so that his daughter does not have to compromise on her dreams.

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

Investment Strategies for Future Gain ULIP Plan

  • Investor Selectable Portfolio Strategy
  • Wheel of Life 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. 

Why Buy Bajaj Allianz Future Gain on Finserv MARKETS?

Bajaj Allianz Future Gain

You can also check out our other ULIP plans such as Bajaj Allianz Goal Assure and Bajaj Allianz Long Life Goal that are customized to best suit your financial goals and maximize your returns.

Manage all your Future Gain related queries here

  • ✔️What type of plan is Bajaj Allianz Life Future Gain?

    Future Gain Plan is an individual unit linked endowment plan.

  • ✔️What are the two different portfolio strategies available in Future Gain?

    There are two portfolio strategies ◦ Investor selectable portfolio strategy ◦ Wheel of life portfolio strategy

  • ✔️How many funds are available in investor selectable portfolio strategy in Bajaj Allianz Future Gain? Which are they?

    Under the investor selectable portfolio strategy, the policyholder will have the following 7 Fund choices: - ◦ Equity Growth Fund II ◦ Pure Stock Fund ◦ Liquid Fund ◦ Accelerator Mid-Cap Fund II ◦ Asset Allocation Fund II ◦ Bluechip Equity Fund ◦ Bond Fund

  • ✔️Can a policyholder change the premium paying term with Bajaj Allianz Future Gain?

    Yes, the 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

  • ✔️What is a Net Asset Value (NAV)?

    Net Asset Value (NAV) is the price of units of a fund and is calculated in rupees. By viewing the Bajaj Allianz Future Gain NAV changes you can take informed decisions while switching between funds.

ULIP (Unit Linked Insurance Plan) Reviews

ULIP (Unit Linked Insurance Plan) Reviews

3.8out of 5

7 reviews

Ideal for Long-Term Financial Goals

I invested in Bajaj Allianz future gain ULIP to make sure that my child gets quality higher education. The dual benefit of investment and insurance is the best part about future gain ULIP. I would recommend it to everyone looking to safeguard their long term financial goals.

Mayur Deshpande

Posted on 18 Nov 19

Flexibility in Investment

While investing in the Bajaj future gain, I could easily choose the investment option according to my risk appetite. Thanks to Finserv MARKETS, I could secure my child’s future with ease.

Dheeraj Patil

Posted on 19 Nov 19

The application process is easy and quick

The application process was online and simple and I could avail investment and insurance under one plan. I can also check the fund performance online. It is the best option to secure your long term financial goals.

Vijay Sharma

Posted on 2 Jan 19

Saving for my child's higher education

When my son decided to pursue higher education, saving for it was a priority. The Bajaj Allianz Future Gain was an ideal plan for my saving requirement. Great product.

Vinay G

Posted on 21 Feb 20

Great product for good investment returns

Bajaj Future Gain helped me build wealth for my daughter's education. With good returns, flexibility to switch between funds, and more, the plan was a great choice for my financial decision.

Gaurav

Posted on 02 Mar 20

Bajaj Future Gain ULIP is definitely a right choice!

I purchased the Bajaj Allianz Future Gain ULIP plan on Finserv MARKETS. Its unique features let me maximize my benefits at nominal costs. While purchasing the plan, I got a choice to choose from 2 investment portfolios, making it a more customized experience!

Nidhi Bhide

Posted on 10 Mar 20

I picked Bajaj Allianz Future Gain ULIP for its great flexibility benefit

Bajaj Future Gain ULIP offered me great flexibility through partial withdrawal and option to switch between funds. This way I got complete visibility of my invested amount. Great plan!

Siddhi Kamble

Posted on 29 Mar 20