Investment Plans 345 views November 2, 2021

Bharti AXA Life FutureConfident is a unit-linked insurance plan that helps you build a corpus for long-term goals such as retirement, child education, etc. And in case of your death during the policy term, the company will pay a lump sum benefit to your family. The following are the key benefits of this Bharti AXA Life Insurance Plan.

  • Life insurance benefit
  • Special additions
  • Maturity benefit
  • Four fund options
  • Benefit of liquidity
  • Additional investment through top-ups

To learn more about these benefits of the Bharti AXA Life FutureConfident Plan, read this page below.


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Bharti AXA Life FutureConfident  Benefits

The insurance company shall provide the following benefits –

How Much Life Insurance Cover Will Your Nominee Get?

In case of your death during the policy tenure, the nominee will receive the higher of –

  • Sum Assured – Partial Withdrawals (made on a regular premium account, 12 months before the death)
  • Policy Fund Value at the prevailing rate

If the life assured’s age is less than five years at the time of death, only the policy fund value shall be payable.

Maturity Payout at the End of the Policy Term

The Bharti AXA Life FutureConfident Plan matures when you attain the age of 70 years. And on that day, you’ll receive the fund value at the prevailing rate.

Special Additions Offered During the Policy Term

The insurance company shall credit additional units to your respective funds at regular intervals to enhance your wealth creation. Check out the table below and know about it.

End of the Policy YearSpecial Addition (% of the Policy Fund Value for previous 36 months)
15th and thereafter every five years2.5

Bharti AXA Life FutureConfident Investment Options

You can invest in any of the following funds based on your risk appetite and goals.

Growth Opportunities Fund – The company shall provide a long-term capital appreciation through investments across stocks of large, mid and small market capitalizations.

Grow Money Fund – This fund aims to generate long-term capital appreciation through investments across a diversified high-quality equity portfolio.

Save‘n’grow Money Fund – The fund aims to provide a steady accumulation of income by investing in high-quality debt papers, government bonds and securities. However, the opportunity for capital appreciation is limited in this fund.

Steady Money Fund – A steady income is generated through investments across corporate bonds, government securities, and high-quality debt papers.

Partial Withdrawal Facility

Bharti AXA FutureConfident offers you the facility of partial withdrawal after the first three completed policy years. The minimum amount you can withdraw is INR 5,000. And in a policy year, only two withdrawals shall be free of charge. If you do any further withdrawal, a charge of INR 100 shall apply. After the withdrawal, the minimum fund value should be equal to the sum of 120% of one year’s premium of the base plan.

Rider Options Available Under the Bharti AXA Life FutureConfident Plan

You can customize this unit-linked plan by adding any of the following riders to it –

  • Critical Illness Benefit Rider
  • Accidental Death and Disability Benefit Rider
  • The sum of all rider premiums shouldn’t be more than 30% of the base premium.

Additional Investment Facility in Bharti AXA Life FutureConfident

You can do additional investments over and above the regular premium using the top-up facility. The company shall provide you with this facility after three completed policy years. The minimum amount of a single top-up should be INR 500. A top-up investment can be made if the regular premium is paid in full. The total amount of top-up paid premium shouldn’t be more than 25% of the total regular paid premium till that date.

Note – The top-up premium doesn’t affect your sum assured.

Bharti AXA Life FutureConfident Policy Term & Premium Payment Options

Your policy term will be based upon the entry age and maturity age, so the same will be computed as – 70 years less the age at entry. The minimum premium amount as per the premium payment frequency is as follows –

  • Yearly – INR 10,000
  • Half-yearly – INR 5,000
  • Quarterly – INR 2,500
  • Monthly – INR 834

Eligibility Criteria for Bharti AXA Life FutureConfident

The company shall provide you this policy if you meet the below criteria –
Minimum age at entry – 0 years
Maximum age at entry – 60 years
Maturity age allowed under the policy – 70 years

Suicide Clause

If you commit suicide within one year of the policy issuance or reinstatement, the company shall pay the policy fund value to the nominee as on the date of intimation of death.

Free Look Option Available to Review the Policy

The company shall provide you a free look period of 15 days to review the terms and conditions. And if you disagree with any of the same, you can return the policy stating the reason for it. After that, the policy will refund an amount equal to the sum of –

(premium allocation charge, policy administration charge, mortality charge deducted from the fund value) and (the policy fund value less stamp duty and underwriting expenses).

Note – All the rights of this policy shall stand extinguished upon cancellation.

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