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Create Wealth for the Future

When you save money, generating returns on your savings is important. The returns can help you grow your savings and create wealth for your future financial goals. Saving helps you achieve financial independence if you invest over a long-term horizon and choose the right avenues to do so. Savings and investment-oriented life insurance plans can help you create wealth for your future goals. Let’s understand what they are and how they help.

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Calculate your Investment Amount

How much wealth do you wish to accumulate?

₹

Min: ₹1,000

Max: ₹10 Crore

In how many years would you need this amount?

Years

Min: 5 Years

Max: 30 Years

How much return do you expect on your investments?

%

Min: 5%

Max: 13%

Expected Inflation Rate

%

Min: 5%

Max: 13%

Any lumpsum amount you can invest today?

tooltip
Any lumpsum amount you’re able to invest today towards your goal
₹

Min: ₹1,000

Max: ₹10 Crore

Create Wealth for the Future
When you save money, generating returns on your savings is important. The returns can help you grow your savings and create wealth for your future financial goals. Saving helps you achieve financial independence if you invest over a long-term horizon and choose the right avenues to do so. Savings and investment-oriented life insurance plans can help you create wealth for your future goals. Let’s understand what they are and how they help.

How much wealth do you wish to accumulate?

₹

Min: ₹1,000

Max: ₹10 Crore

In how many years would you need this amount?

Years

Min: 5 Years

Max: 30 Years

How much return do you expect on your investments?

%

Min: 5 %

Max: 13 %

Expected Inflation Rate

%

Min: 5 %

Max: 13 %

Any lumpsum amount you can invest today?

tooltip
Any lumpsum amount you’re able to invest today toward your goal
₹

Min: ₹1,000

Max: ₹10 Crore

Your Returns

Goal Amount

₹10 Crore

Investment Required

tooltip
Monthly investment needed to achieve your goal amount

₹4,882 /month For 10 Years

Your Returns

Your Investments

Graph Graph
Table Table
Years Investment Amount Estimated Value Estimated Gain
1 ₹ 1,80,000 ₹ 1,92,139 ₹ 12,139
2 ₹ 3,60,000 ₹ 4,08,647 ₹ 48,647

%,$,$,#T&C Apply l BJAZ-WB-EC-05318/24

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I hereby authorize Bajaj Life Insurance Limited. to call me on the contact number made available by me on the website with a specific request to call back. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) or on National Do Not Call Registry (NDNC), any call made, SMS or WhatsApp sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business

 

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%%Above illustration is for Bajaj Life eTouch- A Non-Linked, Non-Participating, Individual Life Insurance Term Plan (UIN:116N172V04) considering Male aged 24 years | Non-Smoker | Policy Term(PT)– 30 years | Premium Payment Term (PPT)– 30 years | Sum Assured opted is Rs.1,00,00,000 | Online Channel | Standard Life | 1st Year Premium is Rs. 6,051. 2nd Year onwards premium Rs. 6,460. Total Premium Paid is Rs. 1,93,391 | Medical Rates | Yearly Premium Payment Mode | Death benefit opted is lumpsum payout and monthly instalments (Lumpsum Payout Percentage: 45, Income Payout Percentage:55) | Premium shown above is inclusive of Online Discount only and exclusive of Goods & Service Tax/ any other applicable tax levied, subject to changes in tax laws, and any extra premium and is for illustrative purpose only.

##Tax benefits as per prevailing Section 10(10D) and Section 80C of the Income Tax Act shall apply. You are requested to consult your tax consultant and obtain independent advice for eligibility before claiming any benefit under the policy.Above Tax benefit is calculated considering deduction of Rs. 150,000 and applicable tax rate of 31.20%.

@Term Insurance plan bought online directly from Bajaj Life Insurance has no commissions involved.

^^The Return of Premium amount is total of all the premiums received, exclusive of extra premium, rider premium and GST & /any other applicable tax levied, subject to changes in tax laws
Bajaj Life Insurance Limited (Formerly known as Bajaj Allianz Life Insurance Company Limited) | IRDAI Reg no. 116

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~Individual Death Claim Settlement Ratio for FY 2023-2024


Bajaj Life Insurance Limited (Formerly known as Bajaj Allianz Life Insurance Company Limited) | IRDAI Reg no. 116

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I hereby authorize Bajaj Life Insurance Limited. to call me on the contact number made available by me on the website with a specific request to call back. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) or on National Do Not Call Registry (NDNC), any call made, SMS or WhatsApp sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business

 

Please refer to BALIC Privacy Policy

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Disclaimer

The Unit Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender or withdraw the monies invested in Unit Linked Insurance Products completely or partially till the end of the fifth year.

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 Insurance Goal Assure II - A Unit- Linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L180V02), Bajaj Life Insurance POS Goal Suraksha - A Non Linked, Non Participating, Individual, Life Insurance Savings Plan (UIN: 116N155V11) are 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 Insurance agent or the Intermediary or policy document issued by the insurance 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.

This advertisement is designed for combination of Benefits of two individual products named (1) Bajaj Life Insurance Goal Assure II - A Unit- Linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L180V02). (2) Bajaj Life Insurance POS Goal Suraksha - A Non Linked, Non Participating, Individual, Life Insurance Savings Plan (UIN: 116N155V11). These products are also available for sale individually without the combination offered/ suggested. The customer is advised to refer to the detailed sales brochure of respective individual products mentioned herein before concluding the sale.

*Conditions apply- The Guaranteed benefits are dependant on the policy terms, premium payment terms availed along with other variable factors. For more details please refer respective product sales.(Also available on www.bajajlifeinsurance.com). This benefit is available with Bajaj Life Insurance Pos Goal Suraksha. brochure.

Bajaj Life Insurance Limited (Formerly known as Bajaj Allianz Life Insurance Company Limited) | IRDAI Reg no. 116

Get Your Life Goals, Done!

Tailored Life Insurance Solutions for your long-term Life Goals.

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Written ByPalak Bagadia
AboutPalak Bagadia
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Palak Bagadia, Associate – Digital Marketing at Bajaj Life Insurance, with experience spanning content and performance marketing, recruitment, employee engagement in the BFSI industry, with a strong understanding of the insurance sector.
Reviewed ByRituraj Singh
AboutRituraj Singh
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Rituraj Singh,With over 6.5 years of experience in the insurance industry, Rituraj Singh, Manager- Product & Brand Marketing at Bajaj Life Insurance overlooks new product launches, compliance, and brand projects, leveraging artificial intelligence and technology to enhance outcomes.
Written on: 18th July 2025
Modified on: 22th July 2025
Reading Time: 20 Mins
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Understanding Wealth Creation

In simple terms, wealth creation means saving money and accumulating it into a corpus over time. This is possible when you invest your money in different avenues and generate returns on them. The added returns help in growing your savings over time, and when you compound the returns, the growth multiplies.

Wealth creation is important as it helps grow your money and creates a corpus which can be used for fulfilling financial goals like buying a home, a car, taking a trip, a child’s education, retirement planning, etc. 

Benefits of Life Insurance cum Investment Plans

There are different types of avenues available that help you create wealth for the future. Savings-oriented life insurance plans such as endowment plans, money back plans are one of them. Designed to help you grow your savings, these plans help you create wealth for the future and also provide insurance protection.

Some of the benefits of life insurance plans are as follows –


  1. Different types of plans

    There are different types of life insurance plans to choose from. You can opt for traditional life insurance plans like endowment and money-back plans to create wealth without the risk of market volatility. Alternatively, you can choose ULIPs which are life insurance plans with a market linked investment component that help you potentially grow your premiums in tandem with market performance.

    The different choices of plans help you pick a plan that best aligns with your financial planning, risk appetite, and financial goals.


  2. Death Benefit

    The nominee receives a death benefit if the life insured passes away, subject to policy terms and conditions. This brings peace of mind to you and your family, who are assured of financial assistance in your absence.


  3. Flexibility

    Life insurance plans offer complete flexibility as you can choose the sum assured, policy tenure, premium payment tenure and frequency. Moreover, if you choose ULIPs, you get the option of switching of funds, partial withdrawals post the lock in period, top-ups, premium redirections etc subject to policy terms and conditions.

    This flexibility gives you complete control over your savings so that you can manage them at your discretion.


  4. Tax benefits

    Life insurance plans also offer tax benefits that help you create a tax-efficient corpus for your financial goals. The premiums paid for the plans are allowed as a deduction under Section 80C up to ₹1.5 lakhs, (in case of old tax regime) helping you save tax when you buy these plans. On the other hand, the maturity benefit received from the policy is also allowed as a tax-free benefit, subject to specific terms and conditions.


  5. Added returns

    These insurance cum investment plans also provide added benefits in the form of bonuses (if declared), guaranteed*additions, loyalty additions, etc., if you choose traditional plans such as endowment, money back plans.

Types of Life Insurance cum Investment Plans

As mentioned earlier, there are different types of life insurance cum investment plans. These include the following –


  1. Endowment plans

    Endowment plans are traditional life insurance plans which help you create a corpus without the risk of market fluctuations. You get to enjoy life insurance coverage over the policy tenure and get a maturity benefit when the policy term expires. In the case of a unfortunate demise of the life assured , a death benefit is paid, providing financial security to your family.


  2. Money-back plans

    Money-back plans are a type of investment plan that offer guaranteed* payouts as survival benefits at regular intervals as well as a lumpsum payout along with bonus, if declared, at maturity. These plans also offer a death benefit, subject to policy terms & conditions.


  3. ULIPs

    ULIPs are market-linked life insurance plans that invest a part of your premium in market-linked funds. Your invested premium then grows according to the fund selected and the market performance. ULIPs offer added flexibility of switching between funds, partial withdrawals post the lock in period etc, subject to policy terms and conditions.

How to Choose the Right Insurance cum Investment Plan?

When choosing the right investment plan, here are some parameters that you should keep in mind –


  1. Risk profile

    It is important to understand the risk profile of the chosen plan and whether it aligns with your risk appetite or not. Choose plans that suit your risk-taking ability to avoid surprises or worries over the investment tenure. For instance, if you are looking for market-linked growth, you can choose ULIPs, but if you want stable returns without market volatility, traditional plans would be a better fit.


  2. Investment tenure

    The investment tenure should match the horizon of your financial goals so that you can get the corpus when you need it.


  3. Liquidity

    If you are looking for liquidity, choose plans that offer such a feature, like ULIPs or money-back plans.


  4. Tax benefits

    Check the tax benefits available with the investment plan that you choose. The more tax savings you can get, the better it would be, as you would be able to save the maximum possible tax.


  5. Affordability

    The premiums of the chosen insurance cum investment plan should be affordable so that you can continue premium payments over the chosen tenure.


  6. Expected returns

    Also, assess the expected returns of the investment plan that you choose so that you can plan for your financial goals accordingly. This would also help you determine the savings needed to create the corpus that you desire.

Investment Calculator

The investment calculator helps in calculating how much you should save today to create the desired corpus over a specified tenure. The calculator calculates the savings required to create the wealth you desire for your financial goals. To use the calculator, you would have to enter the following details –

  1. Enter personal details like Name, age, gender, etc
  2. amount you are willing to invest
  3. The payment frequency and tenure
  4. How long you are willing to stay invested
  5. Life cover required
  6. Choose the investment portfolio from the available options
  7. Riders required

Based on these details, the calculator will calculate the expected returns from the chosen investment profile.

Conclusion

Creating wealth is not difficult if you save regularly and in a disciplined manner. All you need to know is how much to save and where. When it comes to where to save, life insurance investment plans can prove to be the right fit since they offer savings with insurance protection. When it comes to how much to save, the investment calculator can give you the desired answer.

The calculator is an effective online tool which gives instant and accurate results and is also free of cost. So, use the calculator and find out how much you should save to create the desired wealth for better financial planning.

Frequently Asked Questions

1. What is the minimum investment required?

The minimum investment required depends on your financial goals, investment horizon, and affordability. Different types of investment plans have different criteria of minimum investment. You can use the investment calculator to find out the minimum investment required to create the wealth that you need for your goals.

2. Can I switch funds in a ULIP?

Yes, ULIPs allow fund switching during the policy tenure, which helps you to change the investment funds based on your changing investment preferences.

3. Are the returns from these plans guaranteed?

Returns from ULIPs are not guaranteed as they depend on market volatility. However, if you choose traditional life insurance plans, like endowment or money-back plans, you can get stable returns without the risk of market volatility.

4. How does the lock-in period affect my investment?

The lock-in period depicts the tenure during which you cannot make withdrawals from your investment. This period limits liquidity, and so it is better to know the lock-in period of the chosen investment plan.

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

The Unit Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender or withdraw the monies invested in Unit Linked Insurance Products completely or partially till the end of the fifth year.

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. Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document issued by the insurance 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.

Tax benefits as per prevailing Section 10(10D) and Section 80C (under old tax regime) of the Income Tax Act shall apply. You are requested to consult your tax consultant and obtain independent advice for eligibility before claiming any benefit under the policy.

*Conditions Apply – The Guaranteed benefits are dependent on policy term, premium payment term availed along with other variable factors. For more details, please refer to sales brochure.

BJAZ-WP-ECNF-16112/25

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For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale. The terms and conditions of product/plan as contained in the Policy Document issued by the Company is available on the Web Site. The names of the Company, Products/Plans/funds do not indicate the quality and its future prospects or returns. IN ULIPs, THE INVESTMENT RISK IN THE INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. Unlike traditional products, Unit linked insurance products are subject to market risk, which affect the Net Asset Values & the customer shall be responsible for his/her decision. Tax benefits are as per the prevailing Income Tax Laws including the Income Tax Act, 1961 and are subject to change from time to time. Goods and Services Tax will have to be borne by the Policyholder as per applicable rates. All other charges shall be levied in accordance with the terms and conditions of the policy.

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