Bharti Life Future Invest Plan

Why Choose Bharti Life Future Invest Plan?

An Investment Plan where you invest money for a limited time-frame and reap good returns at the end of the policy term. You can enjoy benefits for 10 years while paying Single Premium or paying for 5 years only.

Limited Premium Payment Plan
A limited premium payment plan with a longer term to remain invested. Pay single premium or for first 5 years and accrue benefits for 10 years.
Zero Allocation Charges (other charges as applicable)
Since there is no premium allocation charge, 100% of premiums paid will be allocated to the funds chosen by you. other charges levied as applicable.
Flexibility Of Partial Withdrawals
Pay once or for 5 years while accruing benefits for 10 along with the flexibility of partial withdrawals. You can stay invested in the funds for an extended period of 5 years after Maturity, as you can choose from two premium payment terms - single pay and 5 years. You can also withdraw money from your Policy Fund Value any time after the completion of five Policy years.
Tax Benefits
You can enjoy tax benefits on the premiums paid and pay-out benefits received. The tax benefits fall under Income Tax Act, 1961. They are subject to change as per changes in tax laws from time to time.

How Does the Product Work?

Let’s take a look at following case studies for understanding the plan.

5 Years

Case 1 :

35 year old Anurag chooses our Bharti Life Future Invest and would like to invest in the Grow Money Fund. He chooses a policy term of 10 years with a premium payment term of 5 years for a Sum Assured of ₹ 5,00,000.

1st Policy Year

He starts paying ₹ 50,000 annually

5th Policy Year

He finishes paying the annual premiums

10th Policy Year

At an assumed 4% rate of return, he receives ₹ 2,55,640 on maturity

At an assumed 8% rate of return, he receives ₹ 3,53,827 on maturity

# 4% and 8% rates are used only for illustration purposes and are not guaranteed. The values represented with 4% & 8% are not the upper or lower limits of what one can expect from this policy, as it is dependent on number of factors including investment performance.

Sad Demise

In case of death, his family receives a death benefit of ₹ 5,00,000

Single Pay

Case 2 :

35 year old Rishabh chooses our Bharti Life Future Invest and would like to invest in the Grow Money Fund. He chooses a policy term of 10 years with a single premium payment for a Sum Assured of ₹ 3,75,000.

1st Policy Year

He pays ₹ 3,00,000 as single premium

10th Policy Year

At an assumed 4% rate of return, he receives ₹ 3,35,417 on maturity

At an assumed 8% rate of return, he receives ₹ 4,95,909 on maturity

Sad Demise

In case of death, his family receives a death benefit of ₹ 3,75,000

Parameter	Eligibility
Minimum age at entry	18 years (age last birthday)
Maximum age at entry	59 years (age last birthday)
Maximum age at Maturity	69 years (age last birthday)
Premium modes	Yearly, Half-yearly, Quarterly* and Monthly*
Minimum premium	Premium Payment Term: 5 years Annual - 18,000 Semi Annual - 9,000 Quarterly - 4,500 Monthly - 1,500 Premium payment term: Single Pay 50,000
Policy benefit period	10 years
Premium payment term	Single Pay and 5 years

Age	Mortality charge (per '000 SAR) for Male Life
18	0.68
19	0.72
20	0.75
21	0.77
22	0.79
23	0.8
24	0.81
25	0.82
26	0.83
27	0.84
28	0.85
29	0.87
30	0.89
31	0.91
32	0.95
33	0.99
34	1.04
35	1.1
36	1.16
37	1.24
38	1.33
39	1.44
40	1.56
41	1.7
42	1.86
43	2.05
44	2.27
45	2.52
46	2.81
47	3.13
48	3.5
49	3.9
50	4.33
51	4.79
52	5.27
53	5.77
54	6.28
55	6.82
56	7.37
57	7.95
58	8.57
59	9.23
60	9.95
61	10.73
62	11.58
63	12.53
64	13.57
65	14.72
66	15.99
67	17.38
68	18.91
69	20.58

Make Your Plan with Ease

Pick a Premium Payment Term

Choose one of the options, as per your financial goals.

5 Years

Sum Assured: Higher of 10 times Annualized Premium Or (0.5* Policy Term* annualized premium)

Single Pay

Sum Assured: 125% of Single Premium

24 years

Premium payment term: 12 years

5 Years

Sum Assured: Higher of 10 times Annualized Premium Or (0.5* Policy Term* annualized premium)

Single Pay

Sum Assured: 125% of Single Premium

24 years

Premium payment term: 12 years

Now, Add a Rider

You may enhance your protection under this Plan by opting for the following rider(s)

Bharti Life Hospi Cash Rider (UIN:130B007V05):

This rider allows payment of a fixed benefit for each day of hospitalisation. It also offers a fixed amount benefit if you are admitted in an Intensive Unit Care or a lump sum benefit in case of surgery.

Bharti Life Term Rider (UIN: 130B009V03):

Under this rider the policyholder can increase the life insurance coverage for a nominal premium.

Please refer to the rider brochure for complete details on terms and conditions and exclusions before opting for the rider. Riders are optional and are available at an extra cost.

Insurance Jargon Explained

Maturity Benefit

It is the amount which the insurance company pays to the policy holder on the completion of the Policy Term, if the Life Insured has survived the entire duration of the Policy. This amount includes the guaranteed sum of money called as Sum Assured on Maturity and also the Accrued Bonuses, if applicable.

Loyalty Additions

The loyalty addition is given upon the maturity of the policy, and not before. It is a small percentage of the sum assured. Broadly speaking, loyalty addition is the difference between the performance of the insurance company and the guaranteed additions.

Premium

The payment, or one of the regular periodic payments, that a policyholder makes to an insurer in exchange for the insurer's obligation to pay benefits upon the occurrence of the contractually-specified contingency (e.g., death).

Sum Assured

Sum assured is the amount that an insurer agrees to pay on the occurrence of a stated contingency (eg: Death).

View all Jargon

**Tax benefits are in accordance to current tax laws that are subject to change from time to time.

Why Choose Bharti Life Future Invest Plan?

How Does the Product Work?

Make Your Plan with Ease

Pick a Premium Payment Term

5 Years

Single Pay

24 years

5 Years

Single Pay

24 years

Now, Add a Rider

Bharti Life Hospi Cash Rider (UIN:130B007V05):

Bharti Life Term Rider (UIN: 130B009V03):

Insurance Jargon Explained

Maturity Benefit

Loyalty Additions

Premium

Sum Assured

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Bharti Life
Future Invest Plan