• Term life insurance 

or term assurance is life insurance

 which provides coverage at a fixed rate of payments for a
limited period of time, the relevant term. After that
period expires coverage at the previous rate of premiums
is no longer guaranteed and the client must either forgo
coverage or potentially obtain further coverage with
different payments and/or conditions. If the insured dies
during the term, the death benefit will be paid to the 
beneficiary. Term insurance is the least expensive way to
purchase a substantial death benefit on a coverage
amount per premium dollar basis.
Plan Name Secure Confident
Feature: Save confident is a suitable product for you, if your key objective
is secured growth on your investment, with regular liquidity to
meet your intermittent financial objective, while providing your
family a comprehensive and enhanced protection against
unfortunate incidents.
Death Benefits: In case of death the nominee would get Basic sum assured +
vested bonuses (till that time) + terminal bonus (if any)
Maturity: 50% of the sum assured (which is the same as explained under
the feature of the survival benefit) + all vested Reversionary
Bonuses declared till maturity (if any) + Terminal bonus (if any)
Premium waiver DNA
Accidental death Incase of death due to accident between age 18 and 65 years, an
additional benefit is payable to the nominee, over and above the
life insurance benefit. This additional amount is equal to the basic
sum assured or Rs 10,00,000 whichever is lower.
Guranteed bonus Total protection for your family with guaranteed sum assured plus
accrued bonuses
Annual Bonus: DNA
 The survival benefits payouts starts from 6th years
Survival Benefits in years: onwards till 15 years i.e maturity

Survival Benefits Percent:  110% of the sum assured is paid as a survival benefit the
illustration is as follows 1) 6th to 11th years: 5% of sum
assured 2) 12th to 14th year: 10% of sum assured 3) 15
years 50% of sum assured
Policy term Min 5, Max 15

Premium paying term  Min 5, Max 15

Entry Age of Policy holder: Min 12, Max 55

Maximum age of policy  70

holder at maturity
Premium paying mode Annually, Semi annually, Quarterly, Monthly

Surrender value: 3 years

Loans available Yes or No  Yes

• OBJECTIVES:
Secure Confident policy definitely promotes a secure policy to
the customers by providing the life time assurance of support
to their financial solution. This policy even takes the promise
to provide an assured sum in case of any accident or death
cause.
• BENEFITS:
• This Secure Confident policy offers a wide range of term
assurance which is for 5,10,15,20 and 25 years. It also provides
a financial support against any accident or death cause at a
cost which is affordable. Customers get the protection in
overall with the help of the riders. Benefits in terms of tax paid
on investment and received benefits are calculated as per the
existing rules.
• REALTED TERMS:
• Sum assured is the guaranteed amount of money that is to be given to the
customers or his/her nominee as in the case of death or any accident.
• Premium Payment Term is the period of time for which the customers have to
pay the premium for this policy in order to keep his/her premium in track.
• Policy Benefit terms are the period of time for which the policy shall be in
track.
• REASONS FOR BUYING SECURE CONFIDENT POLICY:
• Secure confident policy assures the customers by providing a financial support
in any case of accident or death, disability caused due to accidental cause etc.
• WORKING FUNCTIONS:
• This policy offers sum assured of Rs. 500000 for the periods of 5, 10,15,20,25
years. It also offers a choice to choose a premium payment mode to the
customers. in case of any sudden death of the policy holder or any disabilities
caused due to any accident , a sum is provided to the nominee. On the survival
of the policy holder no nominee will come into an effect in the policy.
• Whole Life is the policy where benefits are
payable only on the death of the policy holder
within the term, you have to pay a fixed premium
depending upon your age & other factors, you
also earn interest on the policy’s cash value as the
years roll by and your beneficiary gets a fixed
amount at the time of your death. It provides
permanent protection by accumulating cash
values that can be used during emergency.
Moreover the Surrender value provides you an
extra source of retirement money
 Elite Secure Plan of Bharati AXA Life Insurance

• Elite Secure of Bharti AXA Life Insurance is a long-term life

insurance life insurance policy that is available to the
people at a very affordable cost. The main purpose of this
policy is to offer enhanced financial security to the family
members of an insured individual from all types of perils.
• Some of the features and benefits of Elite Secure of Bharti
AXA Life Insurance are as follows:
• The minimum available term of this policy is five and the
maximum term twenty five. Apart from this there is a
special insurance policy that has been termed as ‘To Age
75’ under which the insured would be getting enhanced
life insurance coverage up to the age of seventy five.
• There are various modes for making the payment of
the insurance premiums so as to make the more
effective and intact. The insured chose any one mode
for making the payment of premium thereby
enhancing more flexibility.
• In this policy the insurance company would be paying
back the money to the nominee of the policy in case
of an unfortunate death of the insured.
• Riders are also offered in this policy so as to add some
extra protection to the policy. The riders can be
availed after making an additional premium payment.
• The insured of Elite Secure of Bharti AXA Life
Insurance would also be getting tax benefit as
per the provisions of the Indian income tax act,
1961. Education cess and service taxes are
applicable as per the present tax laws of the
country.
• Under this policy, the minimum sum that is to
be assured is rupees twenty five lakh. In case of
an unfortunate death or permanent
disablement of the insured, the money would
be received by the nominee of the policy.
• endowment
• The product is best suited if:
• You wish to buy a product that helps you to plan for important
milestones in your life.
• You wish to buy a product where your family’s financial security
is not put at stake in case you fail to pay the premium amount.
• KEY FEATURES:
• You get guaranteed returns on your amount invested in the
20th or 25th year as per the GSA option you choose.
• Enjoy flexibility in the case of partial withdrawal.
• Your policy does not get hampered even if you fail to pay the
premium
• You can change your future premium into different
investment.
• Receive up to 250% of annual premium or 7% of Average
Fund Value as Guaranteed Special Addition.
• Get the freedom to choose the year in which the special
addition amount needs to be paid.
• Get the options of investing across 6 funds depending on
your risk bearing capacity and return expectation? Make use
of the switch facility to re-allocate your assets.
• Tax benefits can be gained for the premium paid and
benefits received, as per the prevailing tax laws.