IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE

POLICYHOLDER.

Accelerate
towards your
Life Goals with
return of
allocation charges*

Dream Home Goal

A Unit-linked Non-Participating
Life Insurance Plan

Variant - Wealth
Variant
Bajaj Allianz Life Smart Wealth Goal

KEY ADVANTAGES - WEALTH

VARIANT

Loyalty Benefits$ with option Option to receive Maturity Benefit or

of Periodical Money Backs Death Benefit in installments with Return
 Fund Boosters
Enhancer
 Return of Allocation Charge
(ROAC) Choice of five (5) investment
5 portfolio strategies
Return of Life Cover Charge at Maturity*

Option to reduce the

Premium
Choice of eight (8) Funds

Option to increase Premium paying Tax

term Benefits^

*Return of risk cover charges which is payable on maturity, provided all due premiums have been paid. Return of Premium Allocation Charge at the end of the
10th Policy year or on the maturity, whichever is earlier
$
Loyalty benefits are subject to policy terms and conditions
^
Tax benefits as per prevailing Income tax laws shall apply. You are requested to consult your tax consultant and obtain independent advice for eligibility
before claiming any benefit under the policy.
Bajaj Allianz Life Smart Wealth
Goal
MATURITY
BENEFIT
Provided the Policy is in-force and the Life Assured is alive, the Maturity Benefit will be the Fund
value as on the date of maturity of your Policy.

LOYALTY BENEFITS WITH OPTION OF PERIODICAL MONEY BACKS

The Company shall add Loyalty Benefits to the Regular Premium Fund value, provided all due
Regular Premiums have been paid up to date of each Loyalty Benefit. Loyalty Benefit will include
Return of Premium Allocation Charge and Fund Boosters.
Partial conditions are mentioned, for further details please refer sale literature

DEATH BENEFIT
If all due Premiums are paid, then, in case of unfortunate death of the Life Assured during the
Policy term, the Death Benefit payable will be
Higher of, Prevailing Sum Assured3 or Regular Premium Fund
value plus
 Higher of, Prevailing Top up Sum Assured or Top up Premium
Fund value, if any.
The Death Benefit payable is subject to the Guaranteed Benefit3 of 105% of the Total Premiums4 paid,
till the date of death.
3
Sum Assured/Guaranteed Benefit: The Death Benefit shall be reduced to the extent of the non-systematic partial withdrawals made from the Regular/Limited
Premium Fund during the two (2) year period immediately preceding the death of the Life Assured.
4
Total Premiums paid shall be sum of all Regular/Limited Premiums and any Top up Premiums paid till date.
Bajaj Allianz Life Smart Wealth
Goal
SAMPLE ILLUSTRATION
Pawan is 35 years old and has various LifeGoals to be achieved. He has taken a Bajaj Allianz Life
Smart Wealth Goal Policy (Wealth Variant) to meet his LifeGoals for a Policy Term of 20 years. He
is paying an Annual Premium of ` 1 lac for a payment term of 10 years with a Sum Assured of `
10 Lacs. Let's see the benefits available under the Policy.

TOTAL SURVIVAL & MATURITY BENEFIT

0 years 5 years 10 years 15 years 20 years

Payment Term 10 years Fund Booster + Return of

Return of Fund Booster Mortality Charge (ROMC) +
Charge (ROAC)
Allocation `16,965 @ Maturity Benefit (Fund
`32,000 value)
Annual 8%
`25,59,225 @ 8%
Premium `11,969 @
`14,14,562 @ 4%
4%
At the end At the end
At of 10th At the end of 20th year
of 15th Total
assumed year year Benefit
investmen (A+B+C)
Return of Fund Return of Maturity
t return@ Fund Booster
Allocation Booster Mortality Charge Benefit (Fund
Charge (ROAC) [A] (ROMC) [B] value) [C]

8% `32,000 `16,965 `28,941 `4,641 `25,25,643 `25,59,225

4% `32,000 `11,969 `16,857 `5,339 `13,92,366 `14,14,562
 Smart Wealth
Bajaj Allianz Life
Goal
DEATH BENEFIT
In case of Pawan's unfortunate death on the 17th year, the Death Benefit, based on the assumed
investment returns, are as per the table given below.

0 years 5 years 10 years 15 years 17 years 20 years

Payment Term 10 years

Return of Fund Booster Death Benefit at 17th
Allocation
Charge (ROAC) `16,965 @ year
Annual Premium `32,000 8% `21,06,176 @ 8%
`11,969 @ `13,03,292 @ 4%
4%
At assumed At the end of 10th year At the end of 15 year
th

Death Benefit at 17th year

investment Return of Allocation Charge (ROAC) Fund Booster
return@

8% `32,000 `16,965 `21,06,176

4% is subject to a minimum of the
The Death Benefit `32,000 `11,969
guaranteed benefit, which is 105% of `13,03,292
the total Premiums paid, till the date of death.
@
The assumed rate of returns indicated at 4% and 8% are illustrative and not guaranteed and do not indicate the upper or lower limits
of returns under the policy
The above illustrations are considering investment is in the "Pure Stock Fund II and Goods & Service Tax of 18%
Bajaj Allianz Life Smart Wealth
Goal
ELIGIBILITY
Parameter Details
0 year
Minimum Entry Age
In case of minor life, the risk cover will commence immediately on date of
commencement of Policy and the Policy will vest on the attainment of majority (age
18 years)
Maximum Entry Age 60 years
Minimum Age at Maturity 18 years
Maximum Age at Maturity 85 years
Policy Term Min 10 years and Max 30 years
Premium Paying Term Min 5 years and Max Equal to Policy Term
Frequency Yearly Half-yearly Quarterly Monthly
Minimum Premium 12,000 6,000 3,000 1,000
Premium (in `)
Quarterly & Monthly Premium payment frequency will be available
under auto-debit options as approved by RBI
Maximum Premium No Limit
Premium Payment Frequency Yearly, Half-yearly, Quarterly and Monthly
Minimum & Maximum Sum Assured 10 times Annualized Premium
Minimum Top up Sum Assured 1.25 times Top up Premium
Maximum Top up Sum Assured 10 times Top up Premium
Age calculated is age as at the last birthday
Prevailing Sum Assured is based on the prevailing Annualized Premium and Prevailing Top up Sum Assured is based on Top up Sum Assured
multiplier.
Bajaj Allianz Life Smart Wealth Goal

TAX BENEFITS

Premium paid may be eligible for tax benefits under section 80(C) of Income Tax Act. Return of Premiums, Death,
Accidental Death, Accidental Permanent Total Disability and Critical Illness may be eligible for tax benefits under
section 10(10D) of the Income Tax Act, subject to the provision stated therein. You are requested to consult
your tax consultant and obtain independent advice for eligibility and before claiming any benefit under the
policy.

Prohibition of Rebate: Section 41 of the Insurance Act, 1938:

“No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out
or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate
of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any
person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed
in accordance with the published prospectuses or tables of the insurer.
Any person making default in complying with the provisions of this section shall be liable for a penalty
that may extend up to ten lakh rupees.”

Fraud & Misstatement - Section 45 of the Insurance Act, 1938

Fraud & Misstatement would be dealt with in accordance with provisions of Section 45 of the Insurance Act
1938 as amended from time to time.
Bajaj Allianz Life Smart Wealth
Goal

Bajaj Allianz Life Insurance Co. Ltd.

Risk Factors and Warning Statements: Bajaj Allianz Life Insurance Company Limited and Bajaj Allianz Life Smart Wealth BEWARE OF SPURIOUS PHONE
Goal are the names of the company and the product respectively and do not in any way indicate the quality of the CALLS AND FICTITIOU
product and its future prospects or returns. Unlike traditional products, Bajaj Allianz Life Smart Wealth Goal is a Unit Linked S / FRAUDULENT OFFERS
Insurance Plan (ULIP). Investment in ULIPs is subject to risks associated with the capital markets. The policy holder is solely IRDAI is not involved in activities
like s e l l i n g i n s u r a n c e
responsible for his/her decisions while investing in ULIPs. For more details on risk factors, terms and conditions please read p o l i c i e s , announcing bonus
sales brochure & policy document (available on www.bajajallianzlife.com) carefully before concluding a sale. Regd. Office or investment of premiums. Public
Address: Bajaj Allianz House, Airport Road, Yerawada, Pune - 411006, Reg.No.: 116 | CIN : receiving such phone calls are
U66010PN2001PLC015959 | Mail us : customercare@bajajallianz.co.in | Call on : Toll free no. 1800 209 7272 | Fax requested to lodge a police
No: 02066026789 | Bajaj Allianz Life Smart Wealth Goal is a Unit-linked Non-Participating Life Insurance Plan (UIN: complaint.
116L164V01), The Logo of Bajaj Allianz Life Insurance Co. Ltd. is provided on the basis of license given by Bajaj Finserv
Ltd. to use its “Bajaj” Logo and Allianz SE to use its “Allianz” logo. All charges/ taxes, as applicable, will be borne by the
BJAZ-PPT-ADPTEC-01839/21
Policyholder.