Buy Best Term Insurance Plan for 10 Crore at Rs. 93/day

Q: 1. What factors affect the premium for a ₹10 crore term plan?

Premiums for a ₹10 crore term insurance plan are influenced by several factors such as your age, gender, policy tenure, health, lifestyle habits, premium payment tenure and frequency, medical history, optional riders and other risk factors such as your occupation, family health history, etc 5 . Consider and evaluate all the factors to keep the premiums low and affordable.

Q: 3. Can the policy term be customized for ₹10 crore term insurance?

Yes, you can customize the policy term for ₹10 crore term insurance to suit your financial goals, such as 10 years, 20 years, or 30 years, depending on the insurer’s offerings and terms and conditions of the term insurance plan.

Q: 5. Is a ₹10 crore term insurance plan available for NRIs?

Yes, many insurance companies offer ₹10 crore term insurance plans for NRIs, subject to specific eligibility criteria and documentation requirements.

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Keep these Documents Handy
Photo	Colored Photo
PAN Card	PAN Card/ Form 60
Age proof (Any one)	Passport Aadhar card Driver’s License Birth Certificate Baptism Certificate of PAN card
Income documents (Any one)	Last 6 months Bank statement with salary credit Form 16 Last 3 years ITR with Computation of Income (COI) Last 3 months salary slip + Last 6 months bank statement showing salary credited
Address proof/ID proof (Any one)	Passport Aadhar card Voters ID Driver’s License

^*Above illustration is for Bajaj Life eTouch- A Non-Linked, Non-Participating, Individual Life Insurance Term Plan(UIN:116N172V04) considering Male aged 22 years | Non-Smoker | Policy Term (PT)– 30 years | Premium Payment Term(PPT)– 30 years | Sum Assured opted is Rs. 5,00,00,000 | Online Channel | Standard Life | 1st Year Premium is Rs. 18,038. 2nd Year onwards premium Rs. 19,257. Total Premium Paid is Rs. 5,76,491 | 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.For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale. For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale.

^**The output generated through calculator are on the basis of the data inputted by you and is being provided to you solely for your reference purpose and not to be construed as investment advice. Please seek independent advice from your insurance consultant before making any investment decisions. While proper caution has been taken in designing this calculator, Bajaj Life Insurance Limited. assumes no liability for the accuracy of the information and data provided in this tool.

^##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.

^{^^}Get Free Benefits up to ₹ 14,000 per year

S No.

Value Added Service

Frequency

Cost (₹)

Doctor Teleconsultations

Consultation per month
= 24 consultations per year

Average cost per session = ₹500
Total cost per year = ₹500 * 2 * 12 = ₹1200

Network Discounts
Medicines (M) - 10%, Lab Booking (L) - 10%,
In-Patient Hospitalization (P)- 5%,
Out-Patient Consultation (O) - 10%

Throughout the year

Assumption - Total Expenses of these throughout the Year	Total Discounts that can be availed throughout the year
M - ₹5,000	₹500
L - ₹5,000	₹500
O - ₹5,000	₹500
P - ₹10,000	₹500

Total per year as per assumptions

₹ 14,000

Note: The above mentioned costs are based on estimated average market price for respective services.

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

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Written By

Shruti Gujarathi

Deputy Manager - Product Marketing
Date Published : 16th January 2025

Shruti Gujarathi Deputy Manager - Product Marketing

Shruti Gujarathi has 5 years of experience in the BFSI sector, and as Manager – Digital Marketing at Bajaj Life Insurance, manages digital and content marketing. She has had hands-on experience in content strategy, performance marketing and Strategic Alliances over a career spanning 10 years, with deep expertise in insurance domain.

Reviewed By

Avdhesh Gupta

Appointed Actuary
Date Modified : 4th September 2026

Avdhesh Gupta Appointed Actuary

Avdhesh Gupta, Appointed Actuary at Bajaj Life, brings close to 20 years of experience across life insurance, reinsurance and consulting. He plays a key role in strengthening risk governance, ensuring long-term financial sustainability, and driving customer and shareholder value. He oversees actuarial and risk functions, including valuations, embedded value, product pricing, regulatory and shareholder reporting, and enterprise risk management. Avdhesh also leads global reinsurance partnerships and serves on the Advisory Group of the Institute of Actuaries of India on IFRS 17

A ₹10 crore Term Insurance Plan- What is it?
How does a ₹10 crore term insurance plan work?
How to choose
Things to consider before buying
Why Buy a 10 Crore Term Insurance Plan?
Benefits of buying a ₹10 crore term insurance plan
Who should opt for ₹10 crore term insurance?
Steps to buy
Documents required
Premium payment options
Why Bajaj
FAQs

A ₹10 crore Term Insurance Plan- What is it?

A ₹10 crore term insurance policy is a life insurance policy which has a sum assured of ₹10 crores, which is usually payable if the life assured dies during the tenure of the policy. This plan is designed to provide life coverage, offering a financial cushion for the beneficiaries. Unlike other life insurance plans, term insurance focuses solely on paying the sum assured as death benefit on death during the policy term and does not offer maturity benefits unless a return of premium option is included.

How does a ₹10 crore term insurance plan work?

Under a ₹10 crore term insurance plan, you choose the sum assured, which is ₹10 crores, the policy tenure, the premium paying term and frequency. You can also opt for optional riders if you are looking for additional protection at extra cost.

The premium for term insurance ₹10 crore coverage will be calculated based on the chosen parameters, your age, gender, health history, occupation, and other risk factors. You then pay the calculated premium for the chosen premium payment term at the chosen premium payment frequency.

If the life assured dies during the chosen policy term, the sum assured is paid to the nominees as the death benefit under the plan. However, if the life assured survives the entire policy tenure, no benefit would be payable as standard term insurance policies typically do not provide any maturity benefit. However, some term plans have the return of premium option in which the total premiums paid for the plan are refunded as maturity benefit if the life assured outlives the policy term.

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How to choose the right ₹10 crore term insurance plan?

Choosing the right ₹10 crore term insurance plan involves assessing several factors to ensure it meets your financial protection requirements and offers the best value. Here are key factors to be considered while choosing a term insurance ₹10 crore-

Coverage Requirements

Consider your insurance needs and financial obligations to assess if ₹10 crores is adequate to cover your family’s financial requirements, including outstanding liabilities and debts, living expenses, and future obligations. Look for in-built riders and other coverage benefits to increase the scope of the coverage of the plan.

Policy Term

Choose a policy term which covers critical stages of your life and ensures protection during financial milestones, such as until major loans are repaid or your children are financially independent.

Ease of Purchase and Claim

Go for a term plan which has a simple buying process and simpler claim settlement process. Hassle-free processes help in getting the coverage at the earliest and receiving the payout on time during crises.

Claim Settlement Ratio

Opt for insurers with a high claim settlement ratio to ensure prompt and reliable claim processing.

Riders

Consider adding optional riders (e.g., critical illness benefit rider, accidental death benefit rider, waiver of premium rider, etc) to enhance your coverage based on your specific insurance needs at nominal extra cost.

Things to consider before buying a ₹10 crore term insurance plan

Before buying a ₹10 crore term insurance policy, consider the following:

Coverage Adequacy

Confirm that ₹10 crores will adequately cover the financial needs of your family, including any existing liabilities and future goals. For people who are the breadwinners of their family, it is necessary to ensure that the coverage is sufficient to meet the family’s daily expenses and maintain their standard of living even when the life assured is not around, alongside meeting financial liabilities and commitments.
Premium Costs

Review and compare the premium cost vis-à-vis the coverage benefits and select a premium payment frequency which aligns with your financial capabilities. You can select from single-pay, limited-pay, or regular-pay options.
Policy Term

Determine an appropriate term of the policy that offers maximum protection and ensure coverage throughout the key financial milestones of the individual’s life.
Insurer’s Reputation

Research the claim settlement ratio of the insurer and read the customer service reviews to ensure a reliable and smooth claim settlement process and check the reputation of the company.
Add-ons/Riders

Consider adding optional riders to enhance coverage of the base term insurance at additional cost. For example, a critical illness rider can provide additional financial coverage in case the life assured is diagnosed with the covered critical illness.
Eligibility Criteria

Check the eligibility criteria to buy the term insurance plan and verify your eligibility based on age, health, and other factors as specified by the insurance company.

Why Buy a 10 Crore Term Insurance Plan?

High Cover at Low Cost

Get a large insurance cover of ₹10 crore at affordable premium rates.

Extra Coverage Options

Add riders like critical illness, waiver of premium, or accidental death benefits to increase your protection.

Secure Your Family’s Future

In case something happens to you, your family will have enough money to handle loans, daily expenses, and other needs.

Tax Benefits

Get tax deductions up to ₹1.5 lakh under Section 80C of the Income Tax Act, 1961 under old tax regime.

Benefits of buying a ₹10 crore term insurance plan

Here are some of the key benefits of buying a ₹10 crore term insurance plan:

Comprehensive Coverage

A ₹10 crore term insurance plan provides a substantial amount of coverage of ₹10 crores to safeguard the financial future of your loved ones in case of an unforeseen event. It acts as an income replacement for people who are the breadwinners of their families, allowing them to meet their day-to-day expenses and long-term financial goals.

Affordable Premiums

Term insurance plans have affordable premiums making them pocket-friendly. They typically offer high coverage at a relatively low premium in comparison to other types of life insurance.

Customisable Coverage

Term plans usually offer several riders to enhance the scope of coverage of the base term plan. You can choose from critical illness benefit rider, accidental death benefit rider, term rider and more to customise your term plan coverage as per your insurance needs at extra cost.

Tax Advantages

The premium that you pay for ₹10 crore term insurance plan is eligible to be claimed as a tax deduction for up to ₹1.5 lakhs per annum u/s 80C of the Income Tax Act, 1961, under old tax regime subject to the terms and conditions provided therein¹. Further, the death benefit that is received under the term insurance plan is also tax-free². Moreover, if you opt for the return of a premium term insurance plan, the premiums which are refunded on maturity would also be tax-free under Section 10(10D) of the Income Tax Act, 1961, subject to the terms and conditions specified therein.

Who should opt for ₹10 crore term insurance?

A ₹10 crore term insurance plan is ideal for individuals who need high financial coverage to protect their loved ones. Here’s a breakdown of who can benefit the most:

Young Professionals in Their 20s and 30s

Premiums are lower when you’re younger and healthier.
Ideal time to lock in a high sum assured at affordable rates.

Individuals with Large Families

If you have dependents like a spouse, children, or elderly parents, this plan ensures their lifestyle and goals are secured even in your absence.
Covers future expenses like education, marriage, or daily living costs.

High-Income Earners & HNIs

Suitable for individuals with high-paying jobs or significant personal wealth.
Ensures your family maintains the same standard of living, even without your income.

Business Owners & Entrepreneurs

Protects your family and business from financial liabilities like loans, EMIs, or ongoing operations.
Helps manage succession planning in case of unforeseen events.

Individuals with Large Financial Commitments

Ideal for those who have home loans, car loans, or other major liabilities.
Ensures debts don’t become a burden on your family.

Those Looking to Enhance Existing Cover

If your current term plan doesn’t offer enough coverage, you can opt for a ₹10 crore plan to boost your overall protection.

Before choosing this plan, assess your income, liabilities, dependents, and long-term goals to ensure it aligns with your family’s financial needs. A ₹10 crore term insurance plan offers peace of mind by securing a stable future for your loved ones

Steps to Buy a ₹10 Crore Term Insurance Plan Online?

To buy a ₹10 crore term insurance plan online, follow these simple steps:

Research Options

Explore different insurers offering ₹10 crore term insurance plans and choose a term plan with extensive coverage at competitive premiums. Additionally, one must also compare the claim settlement ratio and the solvency ratio of the insurer to make an informed decision. Use an online term insurance premium calculator to estimate the premium cost based on your coverage needs and personal details such as your name, age, gender, contact information, tobacco consumption or smoking habit, education, income, occupation, etc.

Complete Application

Visit the website of the insurer whose term insurance plan you want to buy and fill out the online application form with correct information about your health and lifestyle, and then choose the term insurance coverage such as the sum assured, premium payment tenure and frequency, policy tenure, optional riders, etc.

Premium Calculation

Next, based on your provided data and information, the premium cost would be calculated and displayed on the screen.

Upload Documents

Once you check and finalise the premium, submit necessary documents such as identity proof, address proof, medical report, age proof, photographs, etc.

Make Payment

Once all the documents are submitted, pay the premium using secure online payment methods.

Receive Policy

The insurer will underwrite the proposal and issue the coverage after processing. You will get your policy confirmation and details on your registered email ID and mobile number. If any medical check-up is required, schedule the check-up and complete it for quick issuance of the policy.

What are the documents that are required to buy ₹10 crore term insurance?

To buy a term insurance ₹10 crore plan, you typically need the following documents³-

Identity proof

Aadhar card, PAN card, passport, or voter ID.
Address Proof

Utility bills, voter ID, rental agreement, Aadhaar Card or property documents
Income Proof, if required

Salary slips, Form 16, or audited financial statements of the business, income tax returns, etc. as applicable.
Age Proof

Birth certificate, Aadhar card, PAN Card, passport or voter ID.
Photographs

Recent passport-sized coloured photographs.
Medical Reports

Health check-up reports, if applicable.

Also Read: Documents Required For Term Plan

Premium payment options for a ₹10 crore term insurance plan?

When buying a ₹10 crore term insurance plan, you have several premium payment options to select from, allowing you to choose a payment structure which best fits your financial planning and budget. Premiums for a term insurance ₹10 crore plan can be paid in the following ways⁴:

Single Premium Payment

You can pay the entire premium for the plan upfront in a one-time single payment for the entire policy term.

Limited Premium Payment

Under the limited premium payment option, you can pay the premiums for a specific period while enjoying life insurance coverage for the full policy term. Say you can pay premiums for a term of 5 years or 10 years for a policy term of 10 years or 15 years, respectively.

Regular Premium Payment

In regular premium payment option, you will have to pay the premiums throughout the policy term periodically i.e. annually, semi-annually, quarterly, or monthly as per the chosen premium payment frequency.

Conclusion

A ₹10 crore term insurance plan provides financial security to your loved ones in your absence. By selecting the right ₹10 crore term insurance plan, choosing the suitable premium payment options, and adding optional riders as per your needs, you can tailor your term insurance plan to meet your specific insurance requirements and secure your family’s future effectively.

99.33%

Claim Settlement Ratio^~

266%

Solvency Ratio 266%^{^^^}

3.47 cr

Number of Lives Covered^##

₹1.40 lakh cr

Assets Under Management (AUM)^***

AAA

Stable Rating by CARE^$$

₹8,511.97 cr

Amount of Individual claims paid*

Disclaimer:^~Individual death claim settlement ratio FY-2025-26 | ^{^^^}Solvency ratio 266% as at 31 March 2026 against IRDAI mandated 150% | ^##Individual and group, as on 31st May, 2026 | ^***Asset under management (AUM) ₹1.40 lakh crore as on 31st May, 2026 | ^$$For details refer to press release published by CARE | ^*All figures are from FY 2006-07 to June 2026.

...

Frequently Asked Questions

1. What factors affect the premium for a ₹10 crore term plan?

Premiums for a ₹10 crore term insurance plan are influenced by several factors such as your age, gender, policy tenure, health, lifestyle habits, premium payment tenure and frequency, medical history, optional riders and other risk factors such as your occupation, family health history, etc⁵. Consider and evaluate all the factors to keep the premiums low and affordable.

2. What are the eligibility criteria to buy a ₹10 crore term plan?

Eligibility criteria typically depend on the plan that you choose. It generally includes minimum and maximum age limits, maturity age, health conditions, etc. There are also minimum and maximum policy tenure and premium payment terms. Ensure to check the eligibility criteria before planning to buy a ₹10 crore term plan.

3. Can the policy term be customized for ₹10 crore term insurance?

Yes, you can customize the policy term for ₹10 crore term insurance to suit your financial goals, such as 10 years, 20 years, or 30 years, depending on the insurer’s offerings and terms and conditions of the term insurance plan.

4. Can I add riders to my ₹10 crore term plan to enhance the coverage?

Yes, you can consider adding optional riders such as accidental death benefit rider, accidental death and disability benefit rider, critical illness rider, term rider, and premium waiver rider⁶ to enhance coverage based on your needs. However, these optional riders come at an additional premium cost which may shoot up the premiums of your base term insurance plan.

5. Is a ₹10 crore term insurance plan available for NRIs?

Yes, many insurance companies offer ₹10 crore term insurance plans for NRIs, subject to specific eligibility criteria and documentation requirements.

6. What are ₹10 crore term life insurance exclusions?

Exclusions in ₹10 crore term life insurance plan, just like other term plans typically include death due to self-inflicted injuries, suicide within waiting period, pre-existing medical conditions, substance abuse or participation in hazardous or illegal activities. You can read and review the policy document for detailed exclusions and other terms and conditions.⁷

7. What is the maximum limit of term insurance?

The maximum limit for term insurance typically depends on the insurer’s underwriting policy and your financial profile. Most insurers allow coverage up to 10 times your annual income. Additionally, term insurance is usually available to individuals between 18 and 65 years of age. The actual limit may vary based on factors such as age, income, occupation, health status, and existing insurance coverages with other insurers.

8. How much term insurance life cover should I take?

Ideally, your term insurance cover should be at least 10 times your current annual income. For instance, if your annual income is ₹1 crore, you can consider a ₹10 crore term insurance plan. This amount ensures your family can manage household expenses, pay off liabilities, and meet long-term goals such as education, healthcare, or marriage. Consider your age, dependents, loans, and future expenses when deciding on the right life cover for your needs.

9. What are the factors to consider when buying a ₹10 crore term insurance plan?

When opting for a ₹10 crore term insurance plan, assess key factors like your life goals, current income, age, and existing liabilities. Check how many years you plan to work and the financial future you want to secure for your family. Ensure the premium fits your budget and explore add-ons like critical illness or accidental death cover for extra protection. Choosing the right policy term and insurer with a good claim settlement ratio is also important.

10. What is the premium amount for a term plan offering coverage of ₹10 crore?

The premium for a ₹10 crore term insurance plan depends on your age, health, lifestyle, income, and policy term. Rates increase with age or if you have pre-existing health conditions. Smokers may also have higher premiums. To get an accurate estimate, use an online premium calculator or consult your insurer. Buying early is recommended for locking in lower premium rates.

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Disclaimers:

^ Above illustration is for Bajaj Life eTouch II - A Non-Linked, Non-Participating, Individual Life Insurance Term Plan (UIN:116N198V09) considering Male aged 23 years | Non-Smoker | Policy Term(PT)– 30 years | Premium Payment Term (PPT)– 30 years | Sum Assured opted is Rs.10,00,00,000 | Online Channel | Standard Life | Indian Resident | 1st Year Premium is Rs. 32,604. 2nd Year onwards premium Rs. 35,342. Total Premium Rs. 10,57,523 | Medical Rates | Yearly Premium Payment Mode | Death benefit opted is lumpsum payout and monthly instalments (Lumpsum Payout Percentage: 40, Income Payout Percentage: 60). Income payout instalment opted for 40 years | Premium shown above is inclusive of Online Discount only, no other discounts have been considered and exclusive of any extra premium and is for illustrative purpose only.

^@Get back your premiums paid as Early Exit Value (after your need for cover is over) as per terms & conditions of the policy. Early Exit Value is available with Bajaj Life eTouch II Life Shield & Life Shield Plus variants.

**5% Discount applicable for customer's first individual life insurance policy, applicable only on first year’s premium. 5% Discount for salaried customers, applicable only on first year’s premium. 6% Discount on online purchase is available for regular premium payment and limited premium payment frequency on first year's premium.

^$Tax benefits as per prevailing Section 11 (read with Schedule II, Sr.No.2) and Section 123 (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. Tax Benefit is calculated at the rate of 31.20% after considering deduction of Rs. 150,000/- under Section 123 of the Income Tax Act 2025 (under old tax regime).

^#The Premium prices mentioned are the lowest available across all online channels/ platforms for the purchase of this specific version of the product. These rates are subject to in-put parameters⁷ as required for policy issuance remaining consistent during comparison. No Staff/Partner discount^&& can be availed with this product. If a lower premium rate is found elsewhere, under the same conditions mentioned above, the policyholder may choose to cancel their policy and receive a full refund of the premium paid⁸during the applicable free-look period. ^&&Staff includes directors and employees of Bajaj Finserv Group & their spouse, children, and dependent parents. Partner includes employees and agents of intermediaries and their family members. ⁷Input parameters include age, medical details, qualifications, occupation, income and other factors required for policy issuance. ⁸Subject to submission of satisfactory documentary proof by the customer. Decision of Bajaj Life Insurance Limited regarding the validity of the above claim shall be final and binding on the Customer.

^##Get Free Health Management Services up to Rs. 31,000 per year

Health Management Services	Frequency	Cost (₹)
Doctor Insta-Consultations	3 consultations per month = 36 consultations per year	Average cost per session = ₹ 500 Total cost per year = ₹ 500 * 36 = ₹ 18,000
Health Coach (Diet & nutrition consultations)	1 consultation per month = 12 consultations per year	Average cost per session = ₹ 500 Total cost per year = ₹ 500 * 12 = ₹ 6,000
Emotional Wellness (Psychologists consultations)	1 consultation per month = 12 consultations per year	Average cost per session = ₹ 500 Total cost per year = ₹ 500 * 12 = ₹ 6,000
Network discounts: Medicines (M) - 10% Lab-test booking (L) - 10%	Throughout the year	Assumption – Total expense on these services throughout the year	Total discounts that can be availed throughout the year
		M - ₹ 5,000	₹ 500
		L - ₹ 5,000	₹ 500
Total per year as per assumption		₹ 31,000

Note: The above mentioned costs are based on estimated average market price for respective services. T&C apply.

Bajaj Life reserves the right to commence/discontinue the service/s or change the service provider/s at any time.

Doctor Insta-Consultations and Health Coach Services are unlimited, at no additional cost. The above numbers are assumed only for the purpose of calculation of the yearly benefit.

Disclaimer
BJAZ-WB-EC-13662/25

^Subject to Section 10 (10D) conditions i.e. aggregate annual premium for ULIP policies issued on or after 1st February 2021 does not exceed Rs. 2.5 Lakhs.

¹Minimum premium mentioned is applicable for Bajaj Life Goal Assure IV - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L204V01) and is subject to policy terms and conditions.

^#Source: https://economictimes.indiatimes.com/investments-marts/eight-crucial-numbers-to-ensure-financial-success/10-times-the-annual-income-is-your-life-insurance/slideshow/16699748.cms . Subject to availability in Bajaj Life Insurance ULIP Plans. 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.

*Benchmark: Nifty 500 Multicap Momentum Quality 50 Index past 5 CAGR Returns, as on 31st December 2024. Past returns of a fund are not necessarily indicative of the future performance of the fund. | Please consult the financial advisor before investing.

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 Future Wealth Gain IV - A Unit- linked Non- Participating Individual Life Savings Insurance Plan (UIN:116L202V01), Bajaj Life Goal Assure IV - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L204V01), Bajaj Life LongLife Goal III is A Unit-linked Non-Participating Whole Life Insurance Plan (UIN:116L203V01), Bajaj Life Invest Protect Goal III - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L205V01), Bajaj Life Magnum Fortune Plus III - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L207V01), Bajaj Life Goal Based Saving III - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN:116L206V01) and Bajaj Life Smart Wealth Goal V - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L201V01) are only the name of the unit linked insurance contracts 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. 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.

Nifty 500 Multicap Momentum Quality 50 Index Fund is available Bajaj Life Future Wealth Gain IV - A Unit- linked Non- Participating Individual Life Savings Insurance Plan (UIN:116L202V01), Bajaj Life Goal Assure IV - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L204V01), Bajaj Life LongLife Goal III is A Unit-linked Non-Participating Whole Life Insurance Plan (UIN:116L203V01), Bajaj Life Invest Protect Goal III - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L205V01), Bajaj Life Magnum Fortune Plus III - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L207V01), Bajaj Life Goal Based Saving III - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN:116L206V01) and Bajaj Life Smart Wealth Goal V - A Unit-linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L201V01)

In addition to the already existing funds, Nifty 500 Multicap Momentum Quality 50 Index Fund is now available with the above mentioned products. Customer has an option to choose from other available funds apart from Nifty 500 Multicap Momentum Quality 50 Index Fund.

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS / FRAUDULENT OFFERS

IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

CIN: U66010PN2001PLC015959 | Registered Office Address: Bajaj Insurance House, Airport Road, Yerawada, Pune - 411006, Maharashtra

Email: customercare@bajajlife.com | Customer Care No.: 020 6712 1212

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Disclaimer

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.

This calculation and results displayed are based on information provided and certain assumptions about the rates of return. It is for assistance only and does not constitute an offer or solicitation. It is not intended to be and must not alone be taken as the basis for an investment decision. Kindly note that the returns are only illustrative and they are not guaranteed. The returns do not indicate the upper or lower limits of the return that you may get with your policy and the value is dependent on a number of factors including future performance. Bajaj Life Insurance Limited shall not be in any way responsible for any loss or damage that may arise to any person from any inadvertent error in the information reported by the calculator.

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