Bajaj Life Global Wealth Builder
A USD Investment Plan for NRIs
Offered through Bajaj Life's GIFT City IFSC office, it helps you invest in global markets, build wealth in US dollars and plan for future expenses abroad, alongside life insurance protection.
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What is Bajaj Life Global Wealth Builder?
Bajaj Life Global Wealth Builder is designed for eligible NRIs, OCIs and PIOs who have financial goals across countries and want to plan for future expenses in US dollars.
You can:
- Pay premiums in US dollars.
- Choose from multiple global investment funds based on your financial and protection needs.
- Choose from available portfolio strategies.
- Access your fund value through eligible withdrawals, subject to policy conditions.
Whether you're planning for your child's education, retirement or a financial legacy, the plan helps you work towards these goals while providing life insurance protection.
Benefit options in Bajaj Life Global Wealth Builder
The three benefit options: Wealth, Secure, and Secure Plus are designed to offer protection with market-linked investment opportunities.
There are additional benefits available depending on the option you select:
| Benefits | Wealth | Secure | Secure Plus |
|---|---|---|---|
| Market-linked wealth creation | Yes | Yes | Yes |
| Life insurance protection | Yes | Yes | Yes |
| Death benefit | Higher of applicable Sum Assured or Fund Value | Sum Assured | Sum Assured |
| Future premiums funded by Bajaj Life after the life assured's death | No | Yes | Yes |
| Regular income for the nominee after the life assured's death | No | No | Yes |
| Fund value payable at maturity | Yes (if the life assured survives until maturity) | Yes | Yes |
Note: Under the Wealth option, the maturity benefit is payable if the life assured survives until maturity.
You can choose the available variant option based on your financial goals and protection needs:
Why Should You Consider USD-Denominated Investments?
Your financial goals may span different countries. You may be earning overseas, supporting your family in India, planning your child's education abroad or preparing for retirement in another country.
If your future expenses are in US dollars, a USD-denominated investment may help you plan for those expenses in the same currency.
For example, you may want to build a fund towards:
- Your child's overseas education.
- Retirement expenses abroad.
- Long-term financial goals in US dollars.
- Your family's financial future.
Investing in USD helps hedge against currency fluctuations if your future financial goals - like overseas education or travel are denominated in US dollars By combining global investment opportunities with life insurance protection, you can work towards your long-term financial goals while providing financial security for your family.
You can consider Bajaj Life Global Wealth Builder alongside direct global investments for three critical reasons:
You can build market-linked wealth while ensuring that your family has life insurance protection in your absence.
You can choose from multiple investment funds depending on your financial goals and risk appetite.
You can select from different premium payment options, switch between investment funds and access partial withdrawals, subject to policy conditions.
Let's Understand With an Example
Example 1: Arjun: Building a Retirement Fund
Arjun, a 35-year-old NRI living in San Francisco, wants to build a USD-denominated retirement fund.
| Particulars | Details |
|---|---|
| Benefit Option | Wealth |
| Annual Premium | USD 5,000 |
| Premium Payment Term | 15 years |
| Policy Term | 25 years |
| Sum Assured | USD 50,000 |
What happens under the Wealth Option?
- If Arjun survives until maturity, he receives the applicable fund value.
- If he passes away during the policy term, his nominee receives the higher of the applicable sum assured or fund value, subject to policy conditions.
Example 2: Rajan: Planning for His Daughter's Education
Rajan, a 35-year-old NRI living in Dubai, wants to save for his daughter's overseas education.
| Particulars | Details |
|---|---|
| Benefit Option | Secure |
| Annual Premium | USD 2,400 |
| Premium Payment Term | 12 years |
| Policy Term | 20 years |
| Sum Assured | USD 24,000 |
What happens if Rajan passes away in the seventh policy year?
- His nominee receives the applicable death benefit of USD 24,000.
- Bajaj Life funds the remaining five annual premiums, totalling USD 12,000, subject to policy conditions.
- The investment continues until maturity, with its value depending on market performance.
Example 3: Vikram: Protecting His Family's Financial Future
Vikram, a 40-year-old NRI living in London, wants to provide financial protection and regular income for his wife.
| Particulars | Details |
|---|---|
| Benefit Option | Secure Plus |
| Annual Premium | USD 5,000 |
| Premium Payment Term | 10 years |
| Policy Term | 20 years |
| Sum Assured | USD 50,000 |
What happens if Vikram passes away in the eighth policy year?
- His nominee receives the applicable death benefit of USD 50,000.
- Bajaj Life funds the remaining two annual premiums, totalling USD 10,000, subject to policy conditions.
- His nominee receives an annual income benefit of USD 5,000 from the next applicable policy anniversary until the end of the policy term.
- The investment continues until maturity, subject to market performance.
Disclaimer: These are hypothetical examples intended to explain the plan's benefits. Actual benefits depend on the selected Benefit Option, policy terms, applicable charges and market performance. Investment returns are not guaranteed.
Who Should Consider Bajaj Life Global Wealth Builder?
Bajaj Life Global Wealth Builder may be suitable for investors with financial goals across different countries. You can consider this plan if you are:
Residing Abroad and Planning Your Child's Overseas Education
If your child plans to study abroad, you may want to build an investment fund in US dollars to help meet future education expenses.
Looking to build investments in US dollars to help meet your child's future education expenses abroad.
Currently Living and Preparing for Retirement Abroad
If you plan to retire overseas, you can consider building a long-term investment fund to support your future financial needs.
Planning to build a long-term investment fund to support your financial needs after retirement.
Working or Living Across Countries
If you live overseas but have financial responsibilities in India or other countries, you may want to explore global investment opportunities while planning for your family's future.
Looking for international investment opportunities while managing financial responsibilities across countries.
Planning Your Family's Financial Future
If you want to build long-term wealth while providing life insurance protection for your loved ones, you can explore the benefit options available under the plan.
Seeking to build long-term wealth while maintaining life insurance protection for your loved ones.
NRIs Planning to Return to India
If you are an NRI planning to return to India, you may want to consider how your existing international financial goals and investments fit into your future plans.
A change in residential status may have tax implications under applicable laws. Review your individual circumstances and seek appropriate tax advice before making an investment decision.
Investment Funds Available under Bajaj Life Global Wealth Builder
Bajaj Life Global Wealth Builder offers six investment funds, providing NRIs with opportunities to invest across international markets and asset classes. Policyholders can select funds based on their financial goals, investment horizon and risk appetite.
| Investment Fund | Investment Objective | Risk Profile |
|---|---|---|
| Global Diversified Equity Fund SFIN: ULGCIF00101/09/26GLDIEQFN116 | Invests in global growth opportunities through equity and equity-related instruments, mutual funds and ETFs. | High |
| Emerging Markets Equity Fund SFIN: ULGCIF00201/09/26EMMKEQFN116 | Focuses on equity investment opportunities in emerging markets worldwide. | High |
| AI Opportunities Equity Fund SFIN: ULGCIF00301/09/26AIOPEQFN116 | Seeks investment opportunities in artificial intelligence through equities, mutual funds and ETFs. | High |
| Global Pure Stock Equity Fund SFIN: ULGCIF00401/09/26GLPUSTFN116 | Invests in Shariah-compliant companies through equity-related instruments, mutual funds and ETFs. | High |
| Gold Fund SFIN: ULGCIF00501/09/26GOLDFUND116 | Provides exposure to gold through mutual funds and ETFs. | Moderate |
| Liquid Fund SFIN: ULGCIF00601/09/26LIQDFUND116 | Focuses on liquidity and income through short-term US Government bonds and related fixed-income funds or ETFs. | Low |
Fund Management Charge: 2% per annum across all six funds.
Investments are market-linked, and returns are not guaranteed.
Portfolio Management Strategies under Bajaj Life Global Wealth Builder
Bajaj Life Global Wealth Builder offers three ways to manage your investments. You can select the investment strategy based on how actively you want to manage your funds.
Investor Selectable Portfolio Strategy
You decide how to distribute your premiums among the six available investment funds. You can also switch between funds as your financial goals or investment preferences change.
Target Asset Allocation Strategy
Choose any two available funds and decide how much you want to invest in each. The plan automatically adjusts your investments every three months to maintain your chosen allocation.
Wheel of Life Portfolio Strategy – II
Under this strategy, the plan automatically adjusts your investments as you get closer to maturity. It follows a predefined allocation across selected funds and reviews this allocation annually.
Withdrawal and Settlement Options under Bajaj Life Global Wealth Builder
Bajaj Life Global Wealth Builder offers the following options to access your invested funds, subject to policy conditions.
Partial Withdrawals
You can withdraw part of your fund value after completing three policy years. The minimum withdrawal amount is USD 500, subject to minimum fund value requirements and applicable charges.
Systematic Partial Withdrawals
After the fifth policy year, you can schedule regular withdrawals ranging from 1% to 10% of your fund value annually. This percentage can be changed anytime. You can receive these amounts monthly, quarterly, half-yearly or annually, subject to policy conditions.
Settlement Option
Instead of receiving the applicable maturity or death benefit as a lump sum, you or your nominee can choose instalments over a period of up to 15 years. Payments can be made monthly, quarterly, half-yearly or annually.
During the settlement period, the remaining invested amount continues to be subject to market risks, and no life insurance cover is available.
Premium Payment Options under Bajaj Life Global Wealth Builder
You can choose how frequently and for how long you want to pay your premiums, depending on the selected Benefit Option.
Available Premium Payment Options
- Single Pay: Pay your entire premium in one instalment. Available only under the Wealth Option.
- Limited Pay: Pay premiums for a selected period shorter than your policy term.
- Regular Pay: Continue paying premiums throughout your policy term.
Minimum Premium Requirements
| Premium Payment Frequency | PPT ≥ 2 Years | PPT = 1 Year (Non-Annual) |
|---|---|---|
| Monthly | $100 | $416.67 |
| Quarterly | $300 | $1,250 |
| Half-Yearly | $600 | $2,500 |
| Annually | $1,200 | Not applicable |
| Single Premium | $5,000 | Not applicable |
The minimum premium requirements depend on the selected premium payment term and frequency. The one-year non-annual premium payment option is available under the Wealth Benefit Option, subject to applicable policy conditions. Single Pay is also available exclusively under the Wealth Option.
Loyalty Additions, Maturity Booster and Fund Booster under Bajaj Life Global Wealth Builder
Bajaj Life Global Wealth Builder offers three additional benefits to eligible policyholders:
Loyalty Additions
Starting at the end of the 10th policy year, you may receive annual loyalty additions equal to 0.25% of the average daily fund value over the previous three years.
Maturity Booster
At maturity, you may receive an additional 1% of the average daily fund value over the previous three years, provided you meet the eligibility conditions.
Fund Booster
If you qualify for the Prime Discount, you may receive an additional allocation of 1% to 5% of the applicable premium during the first policy year. The percentage depends on your premium amount and payment term.
Note: These benefits are subject to the policy remaining in force, all due premiums being paid and other applicable conditions. They do not apply to the top-up premium fund value.
Eligibility Criteria for Bajaj Life Global Wealth Builder
The eligibility requirements depend on the Benefit Option you select.
| Parameter | Details | ||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Currency | United States Dollars (USD) | ||||||||||||||||||||||||||||||||||||||||
| Entry Age |
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| Sum Assured | Minimum: Single Pay: 1.05 times Single Premium Maximum:
Option 2: 105% of Total Premiums Paid | ||||||||||||||||||||||||||||||||||||||||
| Policy Term |
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| Maturity Age | Minimum: 18 years
| ||||||||||||||||||||||||||||||||||||||||
All ages above are as on last birthday
Risk cover shall start from date of commencement of the Policy for all lives including minors. Policy will vest on the life assured on the attainment of majority, (i.e., 18 years age last birthday).
Single Premium (SP) means the premium amount payable at the Policy Commencement date excluding taxes, rider premiums and underwriting extra premium on riders, if any
Annualized Premium means the premium amount payable in a year excluding, rider premiums and underwriting extra premium on riders, if any.
Premium Details
| Parameter | Details | |||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Premium Payment Term |
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| Premium Payment Frequency | Single | Annual | Half-Yearly | Quarterly | Monthly | |||||||||||||||||
| Minimum Premium (Amount in USD) |
| |||||||||||||||||
No maximum premium limit (subject to the Company’s prevailing Board Approved Underwriting Policy (BAUP)).
What Are the Charges under Bajaj Life Global Wealth Builder?
Bajaj Life Global Wealth Builder has no premium allocation or policy administration charges. However, the following charges may apply:
| Charge Type | Applicable Charges |
|---|---|
| Fund Management Charge | 2% per annum of fund value across all six investment funds |
| Mortality Charge | Deducted monthly, based on factors including age and sum at risk |
| Fund Switching Charge | Six free switches per policy year; USD 9 per additional switch |
| Miscellaneous Charge | USD 5 per applicable transaction |
| Surrender / Premium Discontinuance Charges | Applicable according to the policy year, premium payment terms and policy conditions |
Charges are subject to the policy's terms and conditions.
Frequently Asked Questions
Where is Bajaj Life Insurance Limited — IFSC Insurance Office located?
Bajaj Life Insurance Limited — IFSC Insurance Office is located at GIFT City, GIFT SEZ, Gandhinagar, Gujarat, India. We are registered as an IFSC Insurance Office (IIO) with the International Financial Services Centres Authority (IFSCA).
Can I invest additional money in Bajaj Life Global Wealth Builder?
Yes. You can make additional investments through top-up premiums starting from USD 500, provided all due premiums have been paid.
Eligible top-ups also carry an additional sum assured, subject to policy conditions.
Can I change my Benefit Option after purchasing the policy?
No. The Benefit Option you select: Wealth, Secure or Secure Plus, cannot be changed after the policy is issued.
What happens if I move to another country after purchasing the policy?
A change in your country of residence does not affect your policy benefits. However, it may have tax implications depending on your new country of residence and applicable laws.
Can I appoint a nominee who lives outside India?
Nomination is subject to applicable policy terms and regulations. You can confirm the eligibility and documentation requirements with Bajaj Life IFSC IIO.
What happens if I stop paying my premiums?
Your policy may become discontinued or reduced paid-up, depending on the policy year. This can affect your life cover and other benefits. You may revive the policy within three years of discontinuance, subject to applicable conditions.
Can I surrender Bajaj Life Global Wealth Builder before maturity?
Yes, subject to the policy's surrender provisions and applicable charges. The amount you receive may be lower than the premiums paid, depending on market performance and charges.
Can I change my portfolio management strategy during the policy term?
Yes. You can request a change at a policy anniversary by giving 30 days' prior written notice, subject to applicable conditions and charges.
Can I invest in more than one investment fund at a time?
Yes. Under the Investor Selectable Portfolio Strategy, you can distribute your investment across multiple available funds, subject to the plan's conditions.
What is the freelook period in Bajaj Life Global Wealth Builder?
You will have the option to review the terms and conditions of the policy within 30 days from the date of receipt of policy document.
1Individual death claim settlement ratio FY-2025-26 | 2Solvency ratio 266% as at 31 March 2026 against IRDAI mandated 150% | 3Individual and group, as on 30th September, 2026 | 4Asset under management (AUM) ₹1.46 lakh crore as on 30th September, 2026
Bajaj Life Insurance Limited (Formerly known as Bajaj Allianz Life Insurance Company Limited)
Please remain cautious of deceptive calls and fraudulent offers.
Risk Factors and Warning Statements: Bajaj Life IFSC Insurance Office is managed by Bajaj Life Insurance Limited, IFSCA Reg. No.: IIO2026IIA1160. Address: Office No. SI-M-1100, Unit B, First Floor, Shilp Incubation Center, Plot No. 11-T3 & 11-T5, Block 11, Zone-1, Road-1A, GIFT Multi-Services SEZ, GIFT City, Gandhinagar, Gujarat – 382050, India, Tel. No. +91 20 6787 1700. The Logo of Bajaj Life Insurance Limited is provided on the basis of license given by Bajaj Finserv Limited to use its Bajaj” Logo. For more details on risk factors, terms and conditions please read sales brochure & policy document (available on www. bajajlifeinsurance.com) carefully before concluding a sale. All charges/ taxes, as applicable, will be borne by the Policyholder. Regd. Office Address: Bajaj Insurance House, Airport Road, Yerawada, Pune – 411006, IRDAI Regn. No.: 116 | CIN: U66010PN2001PLC015959 | Mail us: customercare@bajajlife.com | Customer Care Number: 020 6721 1212
ULIPs are different from the traditional insurance products and are subject to the risk factors. The premium paid in ULIPs are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. Bajaj Life Insurance Limited is only the name of the Life Insurance Company and Bajaj Life Global Wealth Builder, A Unit-Linked Non-Participating Individual Life Savings Insurance Plan (UIN:116GCL001V01) is only the name of the unit linked insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns. Please know the associated risks and the applicable charges, from your Intermediary or policy document issued by the Company. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns.
The policy is denominated in USD. Currency conversion costs, exchange-rate movements and banking or remittance charges, where applicable, may affect the amount paid or received in another currency.