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

Bajaj Life Supreme - Gold

A Unit- Linked Non- Participating Individual Life Savings Insurance Plan

Get rewarded with Return of Mortality Charge1 and Loyalty Additions2 for staying invested
Grow your wealth with market-linked returns
Smart liquidity planning with Systematic Partial Withdrawals* (SPW)
Stay protected and Create legacy with whole life cover
Enjoy the flexibility to switch between funds at no additional cost

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  • Overview

  • Key Advantages

  • How this works

  • Eligibility

  • Downloads

  • Sample Illustration

  • Policy Benefits

Life is a journey full of dreams and milestones. Your dreams deserve the power to GROW. What if we can help you build a strong financial future while protecting your loved ones.

Introducing Bajaj Life Supreme, a Unit Linked Non-Participating Individual Life Savings Insurance Plan that blends the power of life cover with market linked returns.

Whether you are planning for your child’s education, your retirement, or any long term goals, this all in one plan helps you stay prepared and grow your wealth, while financially securing your loved ones.

Growth for your dreams, financial protection for you and your family – A Supreme plan

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Return of Mortality Charges1

Get all your life cover charges added back to your corpus in the form of Return of Mortality Charges1 starting from end of 15th policy year

 

 

1Return of Mortality Charges will be excluding any extra Mortality charge & or Goods & Service Tax/any other applicable tax levied on the Mortality charge deducted, subject to changes in tax laws. 100% Return of Mortality Charges (ROMC) shall be added back to the fund value at the end of 15th policy year and in every 5th policy year after that before maturity. At maturity 100% ROMC shall be paid.

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Loyalty Additions2

Starting from the end of 16th policy year, Earn rewards in form of Loyalty Additions2 for staying committed to your policy 

 

 

2Loyalty Additions will be added into the Regular/single Premium Fund Value and will be 0.25% of the average fund value of the last 3 years (including the current year) at the end of every year starting from the 16th policy year till the end of policy term.

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Market Linked Growth

Stay protected while growing your wealth with the help of market linked returns through a wide range of funds

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Whole Life Cover

Enjoy the benefits of second income while creating the legacy with systematic partial withdrawals

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Choose how long you want to stay invested (Policy Term)

Choose for how long you want to pay the premiums (Premium Paying Term)

Choose mode of premium payment (Yearly, Half- Yearly, Quarterly, Monthly or Single premium)

Select the fund options and investment strategies as per your risk appetite

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Entry Age

Minimum age is 0 year

Risk cover will commence immediately on date of commencement of policy (irrespective of the age of life assured), and, in the case of minor life assured, policy will vest on the life assured on the attainment of majority (i.e., age 18 years)

Maximum age is

Regular/Limited Pay: 60 years

Single Pay: 70 years

 

Maturity Age

Minimum age at maturity 18 years

Maximum age - Whole life

Policy Term

15,20,25,30,40, Whole life

Premium Payment Term

5 years up to 75 years less entry age

Single Pay

Sum Assured

 

Minimum Sum Assured

Premium Payment TypeSum Assured Multiplier (Times Annualized/Single/Top-Up Premium) 
For Age at Entry Below 50 YearsFor Age at Entry 50 Years and Above 
Regular/Limited Pay7 times Annualized Premium5 times Annualized Premium 
Single Pay1.25 times single Premium1.10 times single  Premium 
Top-up premiums1.25 times Top-up Premium1.10 times Top-up Premium 

Maximum Sum Assured

For Policy Term - 15,20,25,30 and 40 years

 

Age at Entry (in Years)Sum Assured Multiplier (Times Annualized/Single/Top-Up Premium)
0 to 30 Years31 to 40 Years41 to 45 Years46 to 60 Years61 to 70 Years
Regular/Limited Premium30 times Annualized Premium25 times Annualized Premium15 times Annualized Premium10 times Annualized PremiumNA
Single / Top-up Premium1.25 times Single/Top-up Premium

 

Whole Life

Regular/Limited Premium: 10 times Annualized Premium

Single/Top-up Premium: 1.25 times Single/Top-up Premium

Premium

 

Minimum Premium

Premium Payment FrequencyRegular/Limited PaySingle PayTop-up
AnnualHalf YearlyQuarterlyMonthly
Minimum (Premium in Rs.)Rs. 12,000Rs. 6,000Rs. 4,000Rs. 1,000Rs. 20,000Rs. 5,000

Maximum Premium

No Limit, As per Board Approved Underwriting Policy (BAUP)

 

Quarterly & Monthly Premium payment frequency will be available under auto-debit options as approved by RBI

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Leaflet

Download

Policy Document

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Customer Information Sheet

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  • Maturity Benefit

  • Death Benefit

Pawan, a 40 years old IT engineer, has invested in Bajaj Life Supreme-Gold to meet his Life Goals.

Pawan, 40 years old

He has invested in Bajaj Life Supreme- Gold to meet his Life Goals. He has invested a Premium of Rs.5,00,000 p.a for a premium paying term of 10 years. He has chosen Whole Life as Policy term. He has opted for a sum assured of Rs.50 Lakhs. The total premiums paid by Pawan will be Rs.50,00,000.

Let’s see the benefits available under the Policy.

At Assumed Return1Additions to the FundFund Value at the end of 60th Policy Year (in ₹)
Total Loyalty Additions2 (in ₹)Return of Mortality Charges1 (ROMC) (in ₹)
At end of 15th year
of 8%64,87,07137,98819,17,27,266**
of 4%14,82,07743,9982,33,83,968**

1Return of Mortality Charges will be excluding any extra Mortality charge & or Goods & Service Tax/any other applicable tax levied on the Mortality charge deducted, subject to changes in tax laws. 100% Return of Mortality Charges (ROMC) shall be added back to the fund value at the end of 15th policy year and in every 5th policy year after that before maturity. At maturity 100% ROMC shall be paid.

2Loyalty Additions will be added into the Regular/single Premium Fund Value and will be 0.25% of the average fund value of the last 3 years (including the current year) at the end of every year starting from the 16th policy year till the end of policy term.

**All figures are in rupees. The returns indicated at 4% and 8% are illustrative and not guaranteed, subject to Policyterms & conditions and do not indicate the upper or lower limits of returns under the Policy.

Pawan, a 40 years old IT engineer, has invested in Bajaj Life Supreme-Gold to meet his Life Goals.

Pawan , 40 years old

In case of Pawan’s unfortunate death at the end of 30th policy year, the Death Benefit, based on the assumed investment returns, are as per the table given below.

At Assumed Return^

Death Benefit at 30th year (in ₹)

@8%

₹2,62,91,723**

@4%

₹99,11,456**

 

The Death Benefit is subject to a minimum of the guaranteed benefit, which is 105% of the total Premiums paid, till the date of death.

**All figures are in rupees. The returns indicated at 4% and 8% are illustrative and not guaranteed, subject to Policy terms & conditions and do not indicate the upper or lower limits of returns under the Policy.

^The above illustrations are considering investment is in the "Pure Stock Fund II

Maturity Benefit

Fund Value shall be payable to you on Maturity Date provided life assured (person whose life is covered under the policy) is alive.

Death 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 Higher of:

a. Prevailing Sum Assured, including top-up sum assured, if any

b. Fund Value as available on date of intimation of death

c. Guaranteed5 Death Benefit i.e.105% of Total Premiums Paid# till the date of death, including top-up premium

The policy will terminate on the date of intimation of death of the life assured.

 

#Total Premiums paid means total of all the premiums paid under the base product, excluding any extra premium and taxes, if collected explicitly.

Additions to the fund

1)  Loyalty Additions2

At the end of every year from the 16th policy year till the end of policy term, additional units will be added to your fund value as Loyalty Additions2

  • Loyalty Additions2 will be 0.25% of the average fund value of the last 3 years (including the current year)
  • Loyalty Additions2 will not be applicable to Top-up premiums paid or Top-up Premium Fund Value

2) Return of Mortality Charge1 (ROMC)

Life cover charges deducted during the policy term shall be added back to your regular / single premium fund value as per the table given below –

At the end of Policy Year

Return of Mortality Charge1

15th Policy Year

100% of the Mortality charge1 deducted till 15th year

Every 5th Policy year after 15th policy year and before maturity

100% of Mortality Charges1 deducted in the last 5 policy years

At Maturity

100% of the Mortality charges1 deducted minus mortality charges already returned

 

  • The above addition will exclude, Top-Up Premium Fund Value, any extra mortality charge and/or any GST and cess with respect to the mortality charges deducted.
  • Return of Mortality Charge1 will be added in the form of additional units

Disclaimer:

  • The above additions will not be applicable if the policy is surrendered, discontinued or paid-up
  • The above additions will be added to Fund Value in the same proportion as your current fund value (as at the date of addition)

1Return of Mortality Charges will be excluding any extra Mortality charge & or Goods & Service Tax/any other applicable tax levied on the Mortality charge deducted, subject to changes in tax laws. 100% Return of Mortality Charges (ROMC) shall be added back to the fund value at the end of 15th policy year and in every 5th policy year after that before maturity. At maturity 100% ROMC shall be paid

2Loyalty Additions will be added into the Regular/single Premium Fund Value and will be 0.25% of the average fund value of the last 3 years (including the current year) at the end of every year starting from the 16th policy year till the end of policy term.

5Conditions 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.

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Why Bajaj Life Insurance ?

99.29%
Claim Settlement Ratio~
1 Day
Claim Approval%
AAA
CARE Stable Rating$
₹1,26,434 Cr
Assets Under Management (AUM)**
3.78Cr
Number of Lives Covered#
359%
Solvency Ratio of 359%^

Disclaimer:~Individual Death Claim Settlement Ratio for FY 2024-2025 | %99.29% of non-investigative individual claims approved in one working day for FY 2024-25. 1 day is counted from date of intimation of claim before 3 PM on a working day (excluding Non-NAV days for ULIP) at Bajaj Life Insurance offices. 96% of non - investigative claims notified were processed within one day in FY’25 | $For details refer to press release published by  CARE | **All figures as on 30th April, 2025 | ^Solvency ratio 359% as at 31st March 2025 against IRDAI mandated 150% | #Individual & Group as on 30th April, 2025

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I hereby authorize Bajaj Life Insurance Co. Ltd. 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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Terms & Conditions

I hereby authorize Bajaj Life Insurance Co. Ltd. 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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Terms & Conditions

I hereby authorize Bajaj Life Insurance Co. Ltd. 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, including via Voice over Internet Protocol & WhatsApp, SMS or WhatsApp messages, 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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Disclaimer

*Not available if policy issued after 28th August 2025| Past returns of a fund are not necessarily indicative of the future performance of the fund. | Please consult the financial advisor before

Disclaimers:
Plus Symbol
Minus Symbol

~~All figures as on 30 June, 2025

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 Supreme A Unit Linked Non-Participating Individual Life Savings Insurance Plan (UIN: 116L211V01) 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.

1Return of Mortality Charges will be excluding any extra Mortality charge & or Goods & Service Tax/any other applicable tax levied on the Mortality charge deducted, subject to changes in tax laws. 100% Return of Mortality Charges (ROMC) shall be added back to the fund value at the end of 15th policy year and in every 5th policy year after that before maturity. At maturity 100% ROMC shall be paid.

2Loyalty Additions will be added into the Regular/single Premium Fund Value and will be 0.25% of the average fund value of the last 3 years (including the current year) at the end of every year starting from the 16th policy year till the end of policy term.

*Systematic Partial Withdrawal is allowed only after the first five policy years

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Claim Settlement Ratio of 99.29%~