“In this policy, the investment risk in investment portfolio is borne by the policy holder” • On death of the life
f the life assured on or after attaining the age of 60 years: The benefit payable would When expropriation price is Applied: The net asset value (NAV) of a Fund shall be computed as
We have designed a unique plan - Bajaj Allianz Capital UnitGain - that gives you up to 97%
allocation from the first year onwards to ensure that your investment income gets accelerated
from the first year itself.
With Bajaj Allianz Capital UnitGain you get to choose from a wide range of high quality investment
funds coupled with flexible investment management. This is the one-stop solution to your
investment, tax-saving and protection needs. All you need to do is just invest your money with
us and let Bajaj Allianz take care of all your changing needs.
The Bajaj Allianz Capital UnitGain Plan
Capital UnitGain is a unit linked endowment regular premium plan with the benefit of life
protection. By choosing an appropriate premium level and term, you can match the maturity date
of the plan to a specific savings need such as your child’s education, wedding, your retirement
etc. It has unmatched flexibility to meet any emergency or any financial need.
The Key Features of the Capital UnitGain Plan are:
• You can choose any sum assured between minimum and maximum limits to match your
insurance needs.
• You have the option to choose from a host of additional rider benefits: UL Accidental Death
Benefit, UL Accidental Permanent Total/Partial Permanent Disability Benefit, UL Critical Illness
Benefit and UL Hospital Cash Benefit
• You can accumulate your investments with easy regular contributions to pay your policy.
• You can increase your savings by paying top up premiums.
• You get the same premium allocation for all policy years.
• You can adopt your own investment strategy to grow the funds under your policy .
• Choice of 5 investment funds with flexible investment management, you can change funds at
any time and also invest in the newer funds that would be introduced from time to time.
You can make partial withdrawals without any surrender charge .
How does the Bajaj Allianz Capital UnitGain Plan work?
Premiums paid are allocated, net of premium allocation charge, to the unit account created under
your policy. The regular premiums payable in the first year will be used to allocate Capital Units
and the regular premiums payable thereafter will be used to allocate Accumulation Units. The
allocated premiums are invested in the fund/funds of your choice & units are allocated to your
policy account at the unit price applicable to each of the selected fund/funds. The Initial
Management Charge, Mortality Charge, Rider Premium Charge and Policy Administration Charge
are deducted monthly through cancellation of units . Initial Management Charge is recovered
from Capital Units and the other charges are recovered from Accumulations Units. The Fund
Management Charge is adjusted in the unit price . The Fund Value of your policy is the number
of units multiplied by their respective unit prices. The Fund Value in respect of regular premiums
and in respect of top up premiums are maintained separately under your policy.
Premium Allocation Rate:The premiums paid would be multipled by the following factors to
arrive at the amount of allocated premium for unit allocation.
Annual Premium size Premium Allocation Rate in %
Rs. 10,000 – Rs.199,999 95
Rs. 200,000 – Rs.999,999 96
Rs. 1,000,000 + 97
The allocation rate for all top up premiums is 98%.
Sum Assured: You can choose a suitable Sum Assured under the Capital UnitGain Plan.
• Minimum Sum Assured = 0.5 times the Policy Term times Annualised Premium or 5 times
annualised premium whichever is higher.
• Maximum Sum Assured = y times the annualised premium where y will be as per the following
table:
Age Group 0 – 30 31 – 35 36 – 40 41 – 45 46 – 55 56 – 60
y for base cover or base 100 85 70 50 30 20
cover with UL ADB & /or
UL TPD rider
y for base cover with 0.5 * Policy Term
any other rider or with
more than one rider
Death Benefit:
• On death before the age of 7 years : The benefit payable would be the Fund Value in respect
of regular premiums as on the date of receipt of intimation of death at the office.
• On death after the age of 7 years and before the age of 60 years: The benefit payable would be
the Sum Assured less value of partial withdrawals made from the Accumulation Units in the
last 24 months prior to the date of death or the Fund Value as on the date of receipt of
intimation of death at the Company’s office, whichever is higher.
increase in regular premium will be allowed to the extent that the Sum Assured is at least equal
be the Sum Assured less value of partial withdrawals made from Accumulation Units, within
24 months before attaining age 60 years and all partial withdrawals made from Accumulation
Units after attaining age 60 years or the Fund Value as on the date of receipt of intimation of
death at the office, whichever is higher.
• If three years premium has not been paid and the policy is lapse existing fund value will be paid
on the death of the life assured
Maturity Benefit:
On maturity, the Fund Value in respect of regular premiums will be paid out and the policy will
terminate.
Additional Rider Benefits Available with Capital UnitGain
You have the option to add the following additional rider benefits, to provide complete financial
protection against uncertainties.
• UL Accidental Death Benefit (UL ADB)
• UL Accidental Permanent Total /Partial Disability Benefit (UL TPD)
• UL Critical Illness Benefit (UL CI)
• UL Hospital Cash Benefit (UL HC)
(Please refer to the brochure on additional benefits for more details.)
Assured Protection – even if you miss payment of your premiums: Bajaj Allianz Capital UnitGain
provides you with an option to continue life cover along with all additional rider benefits, if any,
even if you forget to pay your premiums, after three years’ regular premiums are paid.
Under this option, the policy will be kept in force by cancellation of units at the prevailing unit
price to meet all the charges, provided the value of the units in respect of regular premium does
not fall below 150% of the annual premium under the policy.
Investment Options:
Bajaj Allianz Capital UnitGain offers you a choice of 5 Funds. You can choose to invest fully in any
one fund or allocate your premiums into the various funds in a proportion that suits your
investment needs.
The five funds offered are as under:
a) Liquid Fund – Risk profile – Low : The objective of this fund is to protect the invested capital
through investments in liquid money market and short-term instruments. This Fund will
invest 100% in bank deposits and money market instruments. Not more than 20 % of the
apportioned premium can be put in this fund.
b) Bond Fund - Risk profile – Moderate : The objective of this fund is to provide accumulation
of income through investment in high quality fixed income securities. This fund will have an
exposure of maximum 20% in money market instruments and minimum 80% in G-Secs,
bonds and Fixed Deposits.
c) Equity Growth Fund - Risk profile – Very High : The objective of this fund is to provide capital
appreciation through investment in selected equity stocks that have the potential for capital
appreciation. This fund will have an exposure of maximum 20% in bank deposits and money
market instruments and minimum 80% in equities.
d) Equity Index Fund II- Risk profile –High : The objective of this fund is to provide capital
appreciation through investment in equities forming part of NSE NIFTY. This fund will have an
exposure of maximum 15% in bank deposits and money market instruments and minimum
85% in equities.
e) Accelerator Mid-Cap Fund - Risk profile – Very High : The objective of this fund is to achieve
capital appreciation by investing in a diversified basket of mid cap stocks and large cap stocks.
This fund will have an exposure of maximum 20% in bank deposits and money market
instruments and minimum 80% in equities. Out of the equity investment, at least 50% will be
in mid cap stocks.
These funds are professionally managed by asset managers of Bajaj Allianz, backed with the rich
experience of Allianz AG, one of the largest asset managers in the world today, managing assets
worth more than Euro 996 billion (Rs. 53,64,456 crores).
Valuation of Fund: The Fund Value is equal to the number of units under this policy multiplied
by the respective unit price on the relevant valuation date.
Currently, the cut-off time is 4.15 p.m. for applicability of Unit Price of a particular day for
switches, redemptions and publication of Unit Price.
Computation of unit price:
When Appropriation price is Applied: The net asset value (NAV) of a Fund shall be computed as
market value of investment held by the fund plus the expenses incurred in the purchase of the
assets plus the value of any current assets plus any accrued income net of fund management
charges less the value of any current liabilities less provision, if any. This gives the net asset value
of the fund. Dividing by the number of units existing at the valuation date (before any new units
are allocated), gives the unit price of the fund under consideration. This NAV is applicable when
the company is required to buy assets to allocate units at the valuation date.
market value of investment held by the Fund less the expenses incurred in the sale of the assets
plus the value of any current assets plus any accrued income net of fund management charges
less the value of any current liabilities less provision, if any. This gives the net asset value of the
Fund. Dividing by the number of units existing at the valuation date (before any units are redeemed),
gives the unit price of the fund under consideration. This NAV is applicable when the company
is required to sell assets to redeem units at the valuation date.
Apportionment of Premium:You can apportion the premium among various investment funds
available. The apportionment to any Fund must be at least 5% of the investible amount. At any
policy anniversary, you also have the flexibility to change the apportionment of future premiums
to the Funds. The maximum allocation to Liquid Fund will not exceed 20% of the allocated
premium.
Flexibility – to manage your investments
We offer you the flexibility to manage your investments. Initially, you can allocate the premium
into the 5 Funds that are available, in a proportion of your choice. Depending on the performance
of Funds, you can switch Accumulation Units between Funds with three free switchesevery
policy year, subject to a minimum switching amount of Rs. 5,000 or the value of Accumulation
Units, whichever is lower.
Flexibility - to pay top ups: You may have received a bonus or some lumpsum money. You can use
that money to increase your investments in your policy by paying top up premiums. You shall
have the option to pay unlimited Top Up Premium at any time provided all due Regular Premiums
have been paid. The amount of Top Up Premium paid shall determine the Top Up Sum Assured.
At the time of making any payment of Top Up Premium, You may in writing choose the level of Top
Up Sum Assured from amongst the available choices, which is between 1.25 times to 5 times of
the Top Up Premium paid and 5 times the Top Up Premium paid, (the default choice always being
1.25 times of the Top Up Premium paid). You may also choose to have no risk cover for Top Up
Premium paid in which case the Top Up Sum Assured will be equivalent to the amount of Top Up
Premium paid provided Top Up Premiums paid or proposed to be paid does not exceed 25% of
the Regular Premium paid till date. In which case If at any time the total amount of Top Up
Premiums paid or proposed to be paid exceeds a 25% of the Regular Premium paid till date, then
the Top Up Sum Assured will be between 1.25 times and 5 times (as notified by You in writing to
the Company) of the portion of Top Up Premium exceeding 25% of the Regular Premium paid
till date. We may ask you to undergo any medical examination to verify your health and You shall
bear all the expenses in this regard.
The minimum Top Up Premium payable is Rs. 5,000, subject always to Our right to increase this
minimum payable from time to time subject to prior Approval from IRDA.
The top up premiums maximum up to 25% of the paid regular premiums can be paid without
increase in Sum Assured. Over and above this, payment of top up premium will result in to
increase in Sum Assured subject to minimum of 1.25 times and maximum of 10 times of the
excess top up premium. The increase in top up premium Sum Assured will not impact regular
premium benefits or additional rider benefits.
There would be a 3-years lock in period on the top-ups except for the Top Ups paid in the last
three years of the contract. The lock-in on top-ups shall apply from the date of payment of
each top-up.
Non-Forfeiture:
If any due regular premium is not paid within the grace period in the first three years, the policy
shall lapse. You will get an opportunity to revive the policy within two years from the date of first
unpaid premium. However if you do not revive during this period the contract shall be terminated
and 100% of the value of accumulation units including top up premium units as on date of lapse
would be paid on expiry of third policy anniversary or at the end of the reinstatement period of
two years whichever is later. If death happens during this period the existing Fund Value would
be paid.
If any due regular premium remains unpaid during the days of grace after three policy years,
provided three full years regular premiums have been paid, you would be given an opportunity
to revive the policy within two years from the date of first unpaid premium. During this period,
your policy will be kept in force for full Sum Assured for all the benefits by cancellation of units
at the prevailing unit price to meet all the charges. If you do not revive the policy during this period
and if you do not opt to continue the cover after the revival period, it shall be terminated by
paying the surrender value to you. If you opt for continued cover, the policy will be kept inforce
by levying appropriate charges till the fund value does not fall below 150% of the annual premium
across all funds. Anytime during the policy term, if the fund value falls below 150% of the annual
premium, the fund value will be paid after deduction of surrender charge, if any and the contract
shall be terminated.
Flexibility - to increase / decrease Regular Premiums:
You have the option to increase / decrease the Regular Premium amount at any policy anniversary
after three policy years, provided all due Regular Premiums have been paid and the Company has
been intimated in writing atleast 30 days before the policy anniversary. The premium allocation
rate would depend on the revised regular premium.
The increase in Regular Premium shall not result in proportional increase in Sum Assured. Any
to five times of the revised Regular Premium or half of the Policy Term times revised Regular
Premium, whichever is higher.
The decrease in Regular Premium would lead to proportionate decrease of Sum Assured. The
reduced Regular Premium should not fall below the minimum Regular Premium prevailing under
the Plan.
Partial withdrawal or Surrender Option: You can make partial withdrawals or surrender the policy
anytime after three years from the commencement of the policy provided regular premiums have
been paid for three full years.
Partial withdrawals are allowed from Accumulation Units only. The Fund Value in respect of
Regular Premium should not fall below 150% of the annual premium (NAV) across all funds after
a partial withdrawal .The minimum withdrawal amount is Rs. 5,000 (NAV). The Company reserves
the right at any time and from time to time to vary the minimum value of units at NAV to be
withdrawn and/or the minimum balance of units at NAV to be maintained by giving written notice
of three months in advance, subject to prior approval from IRDA. No charge is applicable on
partial withdrawals. In case the policy is taken on the life of a minor, partial withdrawals shall not
be allowed until the minor (life insured) attains majority (i.e.. On or after attainment of age 18).
Partial withdrawals would first be allowed from Top Up Premium Units, if any, subject to the
three years’ lock-in period, before allowing withdrawals from Regular Premium Units.
The surrender charge is applicable on surrender of the policy and is charged on the Capital Units
only. No surrender charge is applicable on the Accumulation Units. The Surrender Value payable
will be value of the Capital Units less a surrender charge plus the value of the Accumulation Units.
Settlement Option:
Plan your maturity proceeds by exercising the Settlement Option with us. This facilitates you to
receive your maturity proceeds in equal installments (payable yearly, half yearly, quarterly or
monthly, at your option) spread over a maximum period of 5 years. The amount paid out in each
installment will be the outstanding Fund Value at that date divided by the number of outstanding
installments.
No risk cover will be available during the settlement period. The company however will deduct all
the charges (except the mortality charge and rider premium charge).
Important Details of the ‘Bajaj Allianz Capital UnitGain Plan
Minimum Age at Entry: 0 years
Maximum Age at Entry: 60 years
Minimum Age at Maturity: 18 years
Maximum Age at Maturity: 70 years
Minimum Term: 10 years
The minimum age at entry for all additional rider benefits is 18 years.
The maximum age at entry for all additional rider benefits is 50 years
Premium Payment Mode
For your convenience, we have provided 2 premium payment modes that can be Yearly and
Monthly (payable only under ECS). The minimum premium is Rs. 10,000 for the Yearly Mode and
Rs. 1000 for the Monthly Mode.
Days of Grace
A grace period of 30 days for the yearly and 15 days for the monthly mode, is allowed under the
policy. Your policy remains in force for the full Sum Assured even if your due premium are not
paid during this period.
Revival of the Policy
It is possible to revive a policy that has lapsed due to non-payment of premiums within 2 years from
such date of lapse. You have to give a written application to the Company to revive the policy with
all the due unpaid premiums. The revival will be effected subject to prevailing underwriting rules.
Termination of the Policy
The policy will terminate on occurrence of any one of the following:
a. The units in the policy are fully surrendered.
b. The value of units in respect of regular premium reduces to 150% of the annual premiums.
c. The death of the Life Assured.
d. On maturity, if settlement option is not taken.
e. The expiry of the period for settlement option
On the occurrence of (a) & (b) above, the value of the units, if any, would be paid to the life
assured/policyholder upon such termination, subject to surrender charge, as applicable. In case
of (c), death benefit will be payable as mentioned separately herein. In case of (d), the value of
the units, is paid to the life assured/policyholder .
Free Look Period
Within 15 days of the receipt of this policy, you may, if dissatisfied with the policy for any reason,
give the Company a written notice of cancellation along with reasons for the same, and return the
CMYK
Policy Document to the Company, subject to which the Company shall send you a refund
comprising the Premium paid less the proportionate risk premium for the period on cover and
the expenses incurred on medical examination and stamp duty charges. The refund paid to you
will also be reduced by the amount of any reduction in the Fund Value due to fall in the Unit Price
between the date of allocation and date of redemption of units (without reference to any premium
allocation rate or charges).
Tax Benefits
Premiums and the charges paid under UL ADB and UL TPD are eligible for tax benefits as per
Section 80C of the Income Tax Act . The charges paid for UL Critical Illness and UL Hospital Cash
Benefit are eligible for tax benefits as per Section 80(D) of the IT Act.
Partial Withdrawals, Surrender Value, Death Benefit and Maturity Benefit are eligible for tax benefits
as per Section 10(10D) of the Income Tax Act.
In case of change in any tax laws relevant to the policyholder or the fund performance, the same
will be applied as per regulations prevailing at that point of time.
Nomination
Nomination can be made for receiving policy proceeds in case of death.
General Exclusion
In case the life assured commits suicide within one year of the date of commencement/revival of
the policy, the amount payable would be the value of the units in the policyholder’s account.
Charges Under the Plan
Given below are the details of the various charges that will be recovered from the plan to meet
expenses.
Policy Administration Charge: Rs. 600 per annum per policy (recovered by monthly cancellation
of Accumulation Units ), inflating at 5% per annum from 1st April each year.
Fund Management Charge: 1.75% p.a. of the Net Asset Value (NAV) for Equity Growth Fund and
Accelerator MidCap; 1.25% p.a. of the NAV for the Equity Index Fund II ; and 0.95% p.a. of the
NAV for the Bond Fund and the Liquid Fund. The Fund Management Charge is adjusted in the unit
price .
Initial Management Charge: 5% p.a. of the Capital Units during the policy term subject to a
maximum of 20 years. This charge will be recovered by cancellation of Capital Units at monthly
intervals.
Switching Charges: After three free switches, subsequent switches would be charged a fixed
amount of Rs. 100 or 5% of switch amount whichever is lower on each such occasion.
Surrender charge: Applicable on Capital Units only and is given as:
[1 – (1/1.05)N ] * value of Capital Units
where N is the policy term or 20 years, which ever is lower, less elapsed policy duration in years
and fraction thereof. No surrender charge is applicable on the Accumulation Units . If three years
Regular Premiums are not been paid, the surrender Charge would be 100 % of the Capital Units.
Miscellaneous Charge: Rs.100/- per transaction would be charged in respect of revival, alteration
of premium mode, increase/decrease in regular premium or issuance of copy of the Policy
Document.
Premium Allocation Charge: The following percentage of each premium paid under the policy will
be deducted as premium allocation charge. The balance of the premium will be used to allocate
units.
Annual Premium size Premium Allocation Charge in %
Rs.10,000 – Rs.199,999 5
Rs.200,000 – Rs.999,999 4 technology is our business philosophy.
Rs.1,000,000 + 3 facts which it was material to disclose and that it was fraudulently made by the
The premium allocation charge for top up premiums 2%.
Rider Premium Charge: The charges for additional rider benefits selected shall be recovered
through cancellation of Accumulation Units on a monthly basis.
Mortality Charges: The mortality charge would vary according to the attained age of the life
assured at the time of deduction of the charge and would be recovered through cancellation of
Accumulation Units on a monthly basis. Sample standard mortality charges per annum per
thousand of sum at risk are given in the table below. The sum at risk is sum assured less fund
value, which would be calculated separately for regular premiums and top up premiums. The
mortality charge for regular premiums and for top up premiums would be deducted from
accumulation units allocated against regular premiums and top up premiums respectively.
Age 20 30 40 50
Mortality Charge 1.12 1.29 2.37 6.08
Revision of charges
After taking due approval from the Insurance Regulatory and Development Authority, the Company
reserves the right to revise the following charges:
• Fund Management charge upto a maximum of 2.75% per annum of the NAV for the Equity
Growth Fund and Accelerator MidCap Fund, 2.25% p.a. for the Equity Index Fund II and 1.75%
p.a. for the Liquid Fund and Bond Fund.
• Miscellaneous charge up to a maximum of Rs.200 per transaction
• Switching charge to a maximum of Rs. 200 per switch or 5% of switching amount, whichever
is lower
If the Proposer/Life Assured does not agree with the charges, he/she will be allowed to exit the
plan at the prevailing price of units, subject to the surrender charge as applicable.
Risks of Investment in the Units of the Plan:
• The Proposer/Life Assured should be aware that the investment in the Units is subject to the
following, amongst other risks and should fully understand the same before entering into any
unit linked insurance contract with the Company.
• Unit Linked Life Insurance products are different from the traditional insurance products and
are subject to the market risk factors.
• The premium paid in unit linked life insurance policies are subject to investment risks associated
with capital markets and Unit Price of the units may go up or down based on the performance
of the fund and factors influencing the capital market and the insured/policyholder is
responsible for his/her decisions.
• Bajaj Allianz Life Insurance is only the name of the insurance company and Bajaj Allianz Capital
UnitGain is only the name of the product and does not in any way indicate the quality of the
policy, its future prospects or returns.
• Please know the associated risks and the applicable charges from your policy document or by
consulting the Company, your Insurance agent or your Insurance intermediary.
• The investments in the Units are subject to market and other risks and there can be no assurance
that the objectives of any of the funds will be achieved.
• Equity Growth Fund, Equity Index Fund II, Accelerator MidCap Fund, Liquid Fund and Bond
Fund are the names of the funds offered currently with Bajaj Allianz Capital UnitGain, and do
not in any way indicate the quality of the respective funds, their future prospects or returns.
• Equity Growth Fund, Equity Index Fund II, Bond Fund, Liquid Fund and Accelerator MidCap
Fund do not offer a guaranteed or assured return.
• Currently, the cut-off time is 4.15 p.m. for applicability of Unit Price of a particular day for unit
allocations, switches, redemptions and publication of Unit Price.
• The past performance of the funds is not necessarily indicative of the future performance of
any of these funds.
Why Bajaj Allianz Life Insurance?
Bajaj Allianz Life Insurance Company Limited is a union between Allianz AG, the world’s
leading insurer and Bajaj Auto, one of India’s most respected names. Allianz AG is a leading
insurance conglomerate globally and the largest asset manager in the world, managing
assets worth over 996 billion Euros (Rs. 53,64,456 crores). At Bajaj Allianz, we realize that
you seek an insurer you can trust your hard earned money with. Allianz AG has more than
110 years of financial experience in over 70 countries and Bajaj Auto, trusted for over 55
years in the Indian market, are committed to offering you financial solutions that provide
all the security you need for your family and yourself.
At Bajaj Allianz, customer delight is our guiding principle. Ensuring world class solutions by
offering you customized products with transparent benefits supported by the best
This product brochure gives the salient features of the plan only. The policy document is the
conclusive evidence of the contract, and provides in detail all the conditions, exclusions related
to the “Bajaj Allianz Capital UnitGain” Plan.
Prohibition of Rebate: Section 41 of the Insurance Act, 1938 states:
No person shall allow or offer to allow, either directly or indirectly, as an inducement to any
person to take out or renew or continue an insurance in respect of any kind of risk relating
to lives or property in India, any rebate of the whole or part of the commission payable or
any rebate of the premium shown on the policy, nor shall any person taking out or renewing
or continuing a policy accept any rebate, except such rebate as may be allowed in accordance
with the published prospectuses or tables of the insurer.
Any person making default in complying with the provisions of this section shall be
punishable with fine that may extend to five hundred rupees.
Contact Details
Life
Bajaj Allianz Life Insurance Company Limited, G.E. Plaza, Airport Road, Yerawada, Individual
Pune - 411 006. Tel: (020) 6602 6777. Fax: (020) 6602 6789.
We have offices in the following cities :
• Abohar • Adoni • Adoor • Agartala • Agra • Ahmedabad • Ahmednagar • Ajmer • Akbarpur • Akola • Aligarh • Allahabad • Alleppy/Allapuzha
• Alwar • Alwaye • Amalapuram • Ambala • Amravati • Amritsar • Anakapalle • Anand • Anantapur • Anantnag • Angamally • Angul • Ankeleshwar
• Arambagh • Armoor • Arrah • Arupukottai • Asansol • Attingal • Aurangabad • Azamgarh • Badarpur • Badaun • Bagdogra • Balachaur
• Balasore • Balia • Bally • Balrampur • Banda • Bangalore • Banswara • Barabanki • Baramati • Barasat • Bareily • Baripada • Barnala
• Barrakpore • Bartoli • Batala • Beed • Begusarai • Belgaum • Bellary • Berhampur • Betiah • Bhadoi • Bhadrak • Bhagalpur • Bharaich
• Bharatpur • Bharuch • Bhatinda • Bhavnagar • Bhayander • Bhilai • Bhilwara • Bhimavaram • Bhopal • Bhubaneshwar • Bihar Sharif • Bijnor
• Bikaner • Bilaspur • Boisar • Bokaro • Bolangir • Buland-Sahar • Burdwan • Calicut • Chaibasa • Chakan • Chakradharpur • Chalakudi
• Chamrajnagar • Chandausi • Chandigarh • Chandrapur • Changanasseri • Chenganur • Chengulpet • Chennai • Chertala • Chhapra
• Chikmangalore • Chinsurah • Chitoor • Chitradurga • Churu • Coimbatore • Contai • Cooch Bihar • Cuddalore • Cuttack • Dahanu • Daltonganj
• Darbhanga • Darjeeling • Dasuya • Davangere • Dehradun • Dehri-on-Sone • Delhi • Deoghar • Dera Bassi • Dhampur • Dhamtarai • Dhanbad
• Dhar • Dharmanagar • Dharmapuri • Dharmavaram • Dhule • Diamond Harbour • Dibrugarh • Digboi • Dilshuknagar • Dindigul • Doers • Dombivli
• Dumka • Dunarpur • Durgapur • Electronic City • Eluru • Erode • Etawah • Ettah • Faizabad • Faridabad • Faridkot • Farukhabad • Fatehpur
• Fazilka • Ferozpur • Firozabad • Gadwal • Gandhidham • Gandhinagar • Ganga Nagar • Gangtok • Garshankar • Gaya • Gazipur • Ghatkopar
• Ghaziabad • Giridih • Goa • Godhra • Gonda • Gondia • Gorakhpur • Goraya • Gulbarga • Gumla • Guna • Guntur • Gurgaon • Guwahati
• Gwalior • Hajipur • Haldia • Haldwani • Hanumangarh • Hapur • Haradwar • Hardoi • Hassan • Hathras • Hazaribagh • Hindupur • Hisar • Hoshiarpur
• Howrah • Hubli • Hunsur • Hyderabad • Ichhalkaranji • Indore • Irnjalakuda • Itarsi • Jabalpur • Jadcherla • Jagatsinghpur • Jagtial • Jaipur
• Jajpur • Jalandhar • Jalgaon • Jalna • Jalore • Jalpaiguri • Jammu • Jamnagar • Jamshedpur • Jaunpur • Jeypur Road • Jhansi • Jhargram • Jharsuguda
• Jhunjhunu • Jodhpur • Jorhat • Junagadh • Kadapa • Kaithal • Kakinada • Kakkanad • Kalimpong • Kalpatta • Kancheepuram • Kanjirapally
• Kannauj • Kannur • Kanpur • Kapurthala • Karad • Karaikudi • Karimnagar • Karnal • Kartarpur • Karunagapally • Karur • Karwar • Kasargode
• Kathua • Katihar • Katni • Kattapana • Kendrapara • Kengeri • Keonjhar • Khammam • Khandwa • Khanna • Kharagpur • Khurda • Kishanganj
• Kochi • Kodad • Koderma • Kodungalur • Kolar • Kolhapur • Kolkata • Kollam • Korba • Kota • Kothamangalam • Kottayam • Krishnanagar
• Kukatpally • Kunda • Kunnamkulam • Kurnool • Kuthattukulam • Lakhimpur • Lakhisarai • Lalitpur • Latur • Lucknow • Ludhiana
• Machilipattinam • Madikere • Madurai • Mahoba • Mainpuri • Malappuram • Malda • Maligaon • Mancherial • Mandi • Mandya • Mangalore
• Marthandom • Mathura • Mau • Mavelikara • Mecheda • Meerut • Mehsana • Mirzapur • Moga • Moradabad • Morena • Morinda • Motihari
• Mughal Sarai • Mumbai • Muvatupuzha • Muzaffarnagar • Muzaffarpur • Mysore • Nabha • Nadiad • Nagaon • Nagercoil • Nagore • Nagpur
• Nakodar • Nalagarh • Nalgonda • Namakkal • Nanded • Nandigama • Nandyal • Nasaraopet • Nasik • Navsari • Nawanshehr • Nedumangad
• Nellore • Neyyattinkari • Nimuch • Nirmal • Nizamabad • Noida • Old Panvel • Ongole • Ooty • Orai • Pala • Palakkad • Palasa • Pali • Pandharpur
• Panipat • Parbhani • Parvathipuram • Pathanamthitta • Pathankot • Patiala • Patna • Pattambi • Payyannur • Penn • Perinthalmanna
• Perumbavur • Phagwara • Phulpur • Phusro • Pilibhit • Pondicherry • Pratapgarh • Proddutur • Pukhraya • Punalur • Pune • Rai Bareily • Raigada
• Raiganj • Raigarh • Raipur • Rajajinagar • Rajamundry • Rajapalayam • Rajkot • Rajouri • Rajpura • Rajsamand • Ramgarh • Ramnad • Rampur
• Ranchi • Ranni • Rathlam • Ratnagiri • Rewa • Rohtak • Roorkee • Ropar • Rourkela • Sagar • Saharsa • Salem • Samana • Samastipur • Sambalpur
• Samrala • Sangamner • Sangareddy • Sangli • Sangrur • Satara • Satna • Secunderabad • Sehore • Seuri • Shaharanpur • Shahdhol • Shahjahanpur
• Shillong • Shimla • Shimoga • Sholapur • Sibsagar • Siddipet • Sikar • Silchar • Siliguri • Sirohi • Sirsa • Sitapur • Sivakasi • Siwan • Sopore
• Sreerampore • Srikakulam • Srinagar • Sultanpur • Surat • Surendranagar • Suryapet • Tambaram • Tanjori • Taran Taran • Tezpur • Thalassery
• Thane • Theni • Thodupuzha • Tinsukia • Tirunelveli • Tirupati • Tirupur • Tirur • Tiruvallur • Tiruvannamali • Trichy • Tripunitura • Trivandrum
• Tumkur • Tundla • Tuticorin • Udaipur • Udhampur • Udupi • Ujjain • Ulhasnagar • Uluberia • Una • Unnao • Vadakara • Vadkancherry • Vadodara
• Vaikom • Valsad • Vapi • Varanasi • Vasai • Vashi • Vellore • Venjaramoode • Vidisha • Vijayanagaram • Vijaywada • Vikaspuri • Virajpet • Vizag
• Warangal • Washim • Whitefield • Yamunanagar • Yavatmal • Yelahanka • Zira
CALL TOLL FREE ON : 1800 225858
email: life@bajajallianz.co.in Visit us at: www.bajajallianzlife.co.in
For More Information : Kindly consult our “Insurance Consultant” or call us today on the numbers
mentioned above.
This brochure should be read in conjunction with the Benefit Illustration and Policy Exclusions.
Please ask for the same along with the quotation.
Section 45 of the Insurance Act, 1938
“No Policy of life insurance effected after the coming into force of this Act shall,
Capital UnitGain
after the expiry of two years from the date on which it was effected, be called in
question by an insurer on the ground that a statement made in the proposal for
insurance or in any report of a medical officer, or referee, or friend of the insured,
or in any other document leading to the issue of the policy, was inaccurate or false,
unless the insurer shows that such statement was on a material matter or suppressed Bajaj Allianz Capital UnitGain
policy-holder and that the policy holder knew at the time of making it that the Because you deserve nothing less…
statement was false or that it suppressed facts which it was material to disclose.”
BJ AZ 069 (Nov. 2006)
Insurance is the subject matter of solicitation.
Bajaj Allianz Life Insurance Company Limited
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