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Bajaj Allianz Life

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Bajaj Allianz Life Smart Protect Goal is an individual life non-linked, non-participating, single/limited/regular premium payment, savings (ROP) and pure risk term (life & health) cover, an all-encompassing term plan is all you need to ensure that your future is secure against the twists and turns of life.

Key Benefits of Bajaj Allianz Life Smart Protect Goal Term Insurance

  • Comprehensive cover:Bajaj Allianz Life Smart Protect Goal offers a complete cover with multiple add-ons and carefully structured variants to meet your unique needs.
  • Competitive premium:Competitive premium with features in keeping with your requirements.
  • Return of premium:Receive the total premiums paid towards the policy at the time of maturity provided, no claim is made
  • Whole life cover:Avail cover till the age of 99 years by paying for a limited term only. Return of Premium option is not available if you opt for a whole life plan.
  • Multiple add-ons:Get multiple add-on covers, like Accidental Death Benefit, Accidental Total Permanent Disability Benefit, Critical Illness cover and Waiver of Premium Benefit, for comprehensive coverage.

Bajaj Allianz Life insurance review

Bajaj Allianz Life
Distribution - Number of branches pan India (March 2019)
604
Entry Age Minimum/Maximum (Years) - Term Plans
18/65
Sum Assured Minimum / Maximum - Term Plans
50 lacs / Unlimited
Policy Term Minimum / Maximum (Years) - Terms Plans
5/67
Solvency Ratio (FY 2018-19) *
8.04
Number of Policies Sold (Ind+Group) *
311,507
Number of Lives Covered (Ind+Group) **
34,353,869
Claims Settlement Ratio (Ind+Group) ***
99.47%
* - As per IRDAI data 2018-19 - The solvency ratio of an insurance company is the size of its capital relative to all the risk it has taken, which is all liabilities subtracted from total assets. In other words, solvency is a measurement of how much the company has in assets versus how much it owes
** - as per L-25 Public Disclosure of Insurance Companies for 2019-20  |  *** - Claims Settlement Ratio = Claims Settled in the year / Claims Reported in the year - as per IRDAI data published

Bajaj Allianz Life Smart Protect Goal has following combinations of variants, maturity benefit option (ROP), whole life option and Add-on cover (s) to choose from:

  • Life cover
  • Child Education extra cover variant
  • Life cover with joint life variant
  • Increasing life cover variant

Increasing life cover

Entry Age Minimum age is 18 years
Maximum age is 65 years
Maximum age at maturity With ROP - 75 years
Without ROP - 85 years
Whole Life - 99 years
Sum Assured Minimum Sum Assured: 50,00,000
Maximum Sum Assured:As per Board Approved Underwriting Guidelines
Eligibility for Add-On Covers (if opted) with this Variant Minimum age at Entry - 18 years, Maximum age at Entry - 65 years

Child Education extra cover variant

Entry Age Minimum age is 18 years
Maximum age is 65 years
Maximum age at maturity 85 years
Sum Assured Minimum Sum Assured: 50,00,000
Maximum Sum Assured:As per Board Approved Underwriting Guidelines
Maximum age at maturity 80 years

Life cover with joint life variant

Entry Age Minimum age is 18 years
Maximum age is 65 years
Maximum age at maturity 85 years
Sum Assured Minimum Sum Assured: 50,00,000
Maximum Sum Assured:As per Board Approved Underwriting Guidelines

Increasing life cover variant

Entry Age Minimum age is 18 years
Maximum age is 65 years
Maximum age at maturity 85 years
Sum Assured Minimum Sum Assured: 50,00,000
Maximum Sum Assured:As per Board Approved Underwriting Guidelines

Variants under Bajaj Allianz Life – Smart Protection Goal (SPG)

Variants /Benefits Death Benefits Accidental Total Permanent Disability Benefit(ATPDB) Critical Illness Benefit(CIB) Accidental Death Benefit(ADB) Waiver of Premium Benefit(WOPB - I) Waiver of Premium Benefit(WOPB - II) Whole Life Return of Premium(ROP)
Life Cover .env.default.local .env.default.local .env.default.local .env.default.local .env.default.local .env.default.local .env.default.local .env.default.local
Life Cover with Child Education Extra Cover .env.default.local .env.default.local .env.default.local .env.default.local .env.default.local .env.default.local .env.default.local .env.default.local
Life Cover with Joint Life .env.default.local .env.default.local .env.default.local .env.default.local .env.default.local .env.default.local .env.default.local .env.default.local
Increasing Life Cover .env.default.local .env.default.local .env.default.local .env.default.local .env.default.local .env.default.local .env.default.local .env.default.local
  • WOPB – II {CI (Incl ATPD)/Death} is applicable on Life Assured and not on the Spouse
  • If Whole Life is opted for, then ROP is not available
  • If CIB is opted for, then ATPDB is not available and vice versa
  • The cover period for CIB / WOPB will always be equal to CIB / WOPB Premium Payment Terms respectively
  • However, the cover period and Premium Payment Term for CIB can be less than or equal to the Variant Premium Payment Term
  • The Policy Term and Premium Payment term of all other Add-on Covers (except CIB and WOPB) can be less than or equal to the Policy Term and Premium Payment Term of the variant respectively.

.env.default.local

Consider an application with shared and local configurations. The .env.default file might contain:

: This file was for Alex's personal, machine-specific overrides. It was added to .gitignore to ensure it was never shared. .env.default.local : Finally, Alex used this specific file for local default overrides

When modern build engines load configuration parameters, they evaluate environment files using a strict structural hierarchy. If a variable is declared across multiple files, the more specific file overrides the general file.

The .env.default.local file is a specialized, highly specific configuration file used in modern development workflows. It bridges the gap between shared repository defaults and local, machine-specific overrides. The Core Concept of Environment Files

Consider an application with shared and local configurations. The .env.default file might contain:

: This file was for Alex's personal, machine-specific overrides. It was added to .gitignore to ensure it was never shared. .env.default.local : Finally, Alex used this specific file for local default overrides

When modern build engines load configuration parameters, they evaluate environment files using a strict structural hierarchy. If a variable is declared across multiple files, the more specific file overrides the general file.

The .env.default.local file is a specialized, highly specific configuration file used in modern development workflows. It bridges the gap between shared repository defaults and local, machine-specific overrides. The Core Concept of Environment Files

Brochure

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Policy wordings

Review Bajaj Allianz Life Smart Protect Goal Plan Insurance policy wordings which explains the terms and conditions.

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