What is Bajaj Life Smart Secure ROP?

This advertisement is designed for combination of Benefits of two individual products named (1) Bajaj Life Invest Protect Goal Plus – Elite Variant - A Unit-Linked Non-Participating Individual Life Savings Insurance Plan (UIN:116L215V01). (2) Bajaj Life Secure Plus - Shield with ROP Variant – A Non-Participating, Non-Linked, Individual Health Plan (UIN:116N216V01). The customer is advised to refer to the detailed sales brochure of respective individual products mentioned herein before concluding the sale.

Bajaj Life Insurance Limited (Formerly known as Bajaj Allianz Life Insurance Company Limited)

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.

Risk Factors and Warning Statements: Bajaj Life Insurance Limited and Bajaj Life Invest Protect Goal Plus and Bajaj Life Secure Plus are the names of the company and the products respectively and do not in any way indicate the quality of the product and its future prospects or returns. Bajaj Life Insurance Limited. Regd. Office Address: Bajaj Insurance House, Airport Road, Yerawada, Pune - 411006, Reg. No.: 116, CIN :U66010PN2001PLC015959, Call us on Customer Care Number - 020-67121212, Mail us: customercare@bajajlife.com. The Logo of Bajaj Life Insurance Limited is provided on the basis of license given by Bajaj Finserv Ltd. to use its “Bajaj” Logo. For more details on risk factors, terms and conditions please read sales brochure & policy document of respective products (available on www.bajajlifeinsurance.com) carefully before concluding a sale. All charges/ taxes, as applicable, will be borne by the Policyholder.

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 Invest Protect Goal Plus - Elite Variant - A Unit-Linked Non-Participating Individual Life Savings Insurance Plan (UIN:116L215V01) 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 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. Bajaj Life Secure Plus - Shield with ROP Variant - A Non-Participating, Non-Linked, Individual Health Plan (UIN:116N216V01)

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.

^##Individual and group, as on February, 2026 | ^~Individual Death Claim Settlement Ratio for FY 2025-2026, as on 31 March, 2026 | ^{^^^}Solvency ratio 266% as at 31 March, 2026 against IRDAI mandated 150%. | ^$For details refer to press release published by  CARE

Source - https://investor.sebi.gov.in/moneymatters-inflation.html?utm_source=chatgpt.com

^aAbove illustration is considering Male aged 40 years | Standard Life | Policy term (PT) – 30 years | Premium Payment Term (PPT) – 10 years | Annualized Premium - ₹1,86,964 (Premium for Bajaj Life Invest Protect Goal Plus – Elite Variant is ₹1,45,162 and Premium for Bajaj Life Secure Plus - Shield with ROP Variant is ₹41,802) | Fund Value ₹67,66,286, ROP³ amount -₹4,18,020 | Yearly Premium Payment Mode | Sum Assured: ₹1 Crore. In case of death at age 60 years, death benefit payable at 4% and 8% return will be ₹1,00,00,000 | This illustration is considering investment in "Pure Stock Fund (ULIF02721/07/06PURSTKFUN116)

^dAbove illustration is considering Male aged 35 years | Standard Life | Policy term (PT) – 30 years | Premium Payment Term (PPT) – 10 years | Annualized Premium - ₹1,41,099 (Premium for Bajaj Life Invest Protect Goal Plus – Elite Variant is ₹1,02,273 and Premium for Bajaj Life Secure Plus - Shield with ROP Variant is ₹38,826) | Fund Value ₹46,71,920, ROP³ amount - ₹3,88,260 | Yearly Premium Payment Mode | Sum Assured: ₹1 Crore. In case of death at age 60 years, death benefit payable at 4% and 8% return will be ₹1,00,00,000 | This illustration is considering investment in "Pure Stock Fund (ULIF02721/07/06PURSTKFUN116)  

^bThe 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 | ¹Total Premiums Paid shall be total of all premiums received, exclusive of taxes, extra premium if any | ^cMaturity Benefit will be the Fund Value at Maturity plus total premiums paid towards Accidental Death Benefit, Accidental Total Permanent Disability and Terminal Illness with Term Booster | ^Video Medical Examination Report is subject to age criteria and applicable for all cases. Physical medical examination may be required depending on customer health condition or any history of previous policy issued with extra premium etc, basis underwriting requirement | ³Under Bajaj Life Secure Plus - Shield with ROP Variant, the total premiums paid towards Accidental Death Benefit, Accidental Total Permanent Disability Benefit and Terminal Illness with Term Booster Benefit are paid back at maturity | ⁴Terminal Illness and Term Booster are accelerated covers. For more details, please read the sales brochure.

²Loyalty Benefits includes Guaranteed Wealth Booster, Return of Mortality charges, Loyalty additions and Benefit enhancer

^#The Return of Mortality Charge% in the table refer to the % of the total Mortality charge deducted till the end of the mentioned Policy Year Less Mortality Charges already returned in previous policy years (if any).

⁵If the policy term is greater than or equal to 25 years, The proportion of the average of the daily Regular Premium Fund Value during the previous 3 years (including the current year) will be added into the funds. Benefit Enhancer will not be offered in case the policy is terminated, surrendered, discontinued or paid up and Top-Up premiums paid.

⁶Tax benefits as per prevailing Section 11 (read with Schedule II, Sr.No.2) and Section 123 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.

⁷Death Benefit - In case of unfortunate death of the Life Assured during the Policy Term, provided all due premiums have been paid and policy is in force the Death Benefit payable will be a sum of the following:

i. Higher of Prevailing Sum Assured* or Regular Premium Fund Value; plus

ii. Higher of Top-up Premium fund value or Top-up premium Sum Assured plus

iii. Sum Assured of Terminal illness with Term Booster (TI with TB), if any

Death Benefit shall not be less than Guaranteed Benefit i.e. 105% of the Total Premiums Paid including Top-Up premiums, if any, received up to the date of death.

*The Sum Assured chosen by the policyholder at inception of the Policy will be reduced to the extent of the partial withdrawals made from the Regular Premium Fund during the two (2) year’s period immediately preceding the date of death of the Life Assured. The partial withdrawal made from the Top-Up Premium Fund shall not be deducted for calculating this Sum Assured.

⁸In addition to the benefit mentioned under Death Benefit section, In the event of death due to an accident of the Life Assured during the Policy Term, if all due premiums are paid up to date and the policy is in-force, higher of ADB Sum Assured or Guaranteed¹¹ Benefit¹² will be paid and cover with respect to ADB along with all covers in the policy (if any) will terminate immediately and automatic on the payment of the benefit.

⁹In the event of Total Permanent Disability of the Life Assured due to an accident during the Policy Term, if all due premiums are paid up to date and the policy is in-force higher of ATPD Sum Assured or Guaranteed¹¹ Benefit¹² will be paid and the ATPD risk cover will terminate immediately and automatically on payment of this benefit, and the benefits of all other covers (if any) will continue with due premium payment with respect to the continuing covers.

Guaranteed¹¹ Benefit for each cover, is 105% of Total Premiums paid with respect to that cover.

¹¹Conditions 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.

¹²If all premiums under the policy are paid up to date and provided the policy is in force and the policy has not been terminated as per term and conditions of policy, Amount equal to premium allocation charges deducted every year accrued at a guaranteed rate of 7% p.a. will be added to the regular/single premium fund value at end of 15th policy year.

¹³Terminal Illness and Term Booster are accelerated covers. For more details, please read the sales brochure.

¹⁴Loyalty Additions as a proportion of the average of the daily Regular Premium Fund Value during the previous 3 years (including the current year) will be added to your fund value starting from the end of the 10th Policy Year and every 10th Policy Years thereafter, continuing until your Policy Term ends. Loyalty Additions will be added to your fund value as per the table below:

BLIC-WEB-ECNF-22118/26