What is Bajaj Life Guaranteed Wealth Goal?

Bajaj Life Guaranteed Wealth Goal Plan starts at only ₹30,000/per Annum for 100% guaranteed¹, tax-free² returns.

Illustration of a 30-year-old male who has purchased Bajaj Life Guaranteed Wealth Goal – Wealth Creation Variant by paying Rs. 1 Lac for 12 years. Let’s understand how the plan works⁶ and the maturity benefit he may receive at the end of the policy term

Illustration of a 30-year-old male who has purchased Bajaj Life Guaranteed Wealth Goal – Assured Income by paying Rs. 1 Lac for 10 years. Let’s understand how the plan works and the income and maturity benefit he may receive in the policy

Illustration of a 30-year-old male who has purchased Bajaj Life Guaranteed Wealth Goal – Second Income by paying Rs. 1 Lac for 10 years. Let’s understand how the plan works and the income and maturity benefit he may receive in the policy

You can pay premiums yearly, half-yearly, quarterly, or monthly. Customise the Premium Payment Term, Policy Term, Deferment Period, and Sum Assured Multiple to match your financial goal.

• Choose Wealth Creation if you are :
  Saving for a one-time future need like your child's higher education, a home down-payment, or a financial legacy for your family. You get a guaranteed¹ lumpsum at the end of the Policy Term.
• Choose Assured Income if you are :
  The primary earner and want assured income that continues for your family even after you. Income payouts continue to nominee for the entire Income Period if something happens to you — making this the strong family-protection variant.
• Choose Second Income if you are :
  Planning a future income stream — for retirement, a child's marriage, or any goal where you'll need money flowing in years from now. You can also choose a Return of Premium³ of up to 300% to build a corpus alongside the income.

Choosing a right life insurance savings plan doesn’t have to be complicated. Focus on a few key features that ensure your money stays safe, predictable, and tax efficient.

Look for these four characteristics:

1. Guaranteed¹ structure (Non-linked, Non-participating)
   Returns should not depend on market performance or insurer profits. This ensures your payouts are fixed and predictable.
2. Tax-free² maturity (Section 11 (read with Schedule II, Sr.No.2))
   Make sure the plan qualifies for tax exemption, so what you receive at maturity is not reduced by taxes.
3. Built-in life cover
   A plan with life cover protects your financial goals, ensuring your family still receives the intended amount if something happens to you.
4. Flexible payout options
   Choose how you receive your money—lumpsum, regular income,based on your financial goals.

Bajaj Life Guaranteed Wealth Goal brings all of this together for you and your financial goals.

You can enhance your base Bajaj Life Guaranteed Wealth Goal policy with the choice of six optional riders based on your needs.

• Bajaj Life Family Protect Rider
  Ensures financial support for your Spouse, Regular Lifelong Income for your Parents, and funding your child’s education beyond the base policy.
• Bajaj Accidental Permanent Total/Partial Disability Benefit Rider
  Offers additional lumpsum rider sum assured if an accident leads to disability, affecting your ability to earn.
• Bajaj Accidental Death Benefit Rider
  Provides an additional payout over and above your base life cover in case of death due to an accident.
• Bajaj Life New Critical Illness Benefit Rider
  Provides a lump sum payout on diagnosis of up to 60 major Critical Illnesses like cancer, heart conditions, etc.
• Bajaj Life New Waiver of Premium Rider
  Future premiums under the base policy are waived on earlier occurrence of the Policyholder’s death, accidental disability, or critical illness — keeping the Guaranteed¹ Early Income stream intact.
• Bajaj Life Care Plus Rider Non-Linked
  Protects you financially from unforeseen medical emergencies. You can choose riders based on your work profile and financial responsibilities.