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Bharti AXA Life Dhan Varsha Plan

What is the Plan all About?

Bharti AXA Life Dhan Varsha is a non-linked, participating, limited pay plan that provides Guaranteed survival benefits and annual cash bonuses. This plan also provides you the life insurance cover that ensures your family’s financial security, when you are not around.


What are the Key Features?

  • Guaranteed Survival Benefits
  • Get Cash Bonuses
  • Offers guaranteed Maturity Benefit
  • Offers death benefit during the policy term
  • Flexible policy term & premium payment option
  • Avail Loan benefit
  • Riders to enhance protection
  • Avail tax benefits

What are the Plan Benefits?

Death Benefit

    In the event of death of the life insured during the term of the policy, the higher of 105% of all the premiums paid or Sum Assured on Death is payable. Here Sum Assured on Death is higher of Absolute amount assured to be paid on death, Sum Assured on Maturity, or 10 times the Annualized Premium.

Maturity Benefit

    On survival of the life insured till maturity of the policy, Sum Assured on Maturity is payable, provided the policy being in-force.

Guaranteed Survival Benefits

    Guaranteed Survival Benefits start after completion of the 10th policy year until one year before maturity or death of Life Insured, whichever is earlier. Guaranteed Survival Benefit is 6% of the Sum Assured.


    Non-guaranteed cash bonuses are a percentage of Sum Assured and it starts from the end of the 7th Policy year, until maturity or death, whichever is earlier.

Loan Benefit

    The loan amount can be availed up to 70% of the acquired Surrender Value.

Surrender Value

    This policy acquires Surrender Value after paying at least three full policy years’ premium. The Surrender Value payable is higher of Guaranteed Surrender Value or Special Surrender Value.

Tax Benefit

    This policy provides tax benefits for premiums paid under section 80C and the benefits received under section 10 (10D) of the Income Tax Act, subject to amendment in tax laws.

Who can Buy the Plan?

Factor Minimum Maximum
Age (as on last birthday) 91 Days 55 Years (policy Term Of 20 Years), 50 Years (policy Term Of 25 Years)
Age at Maturity - 75 Years
Policy Tenure 20 Years 25 Years
Premium Paying Term 10 Years (policy Term Of 20 Years) 15 Years (policy Term Of 20 Years)
Premium Paying Mode Annually, Semi Annually, Quarterly & Monthly -
Annual Premium Rs 3443 (Policy Term Of 20 Years), Rs 2515 For Policy Term Of 25 Years No Limit
Sum Assured Rs 25,000 No Limit (subject To Underwriting)
Freelook Period 15 Days/30 Days (for Distance Marketing Channel) From The Receipt Of The Policy -
Grace Period 30 Days -
Plan Type Offline -

Is any Rider Available with this Plan?

Following riders can be opted, on payment of additional rider premium.

  • Hospi Cash Rider
  • Accidental Death Benefit Rider
  • Premium Waiver Rider

How the Plan Works?

Raman at 30 years, wants to buy Bharti AXA Life Dhan Varsha to get regular money backs along with life protection. He opts the plan with the policy term of 25 years, premium paying term of 15 years, sum assured is Rs 10,85,069 with annual premium of Rs 1,00,000.

Scenario A: Raman Survives the Policy Term

If Mr. Raman survives till the maturity of the policy term, he receives Rs 10,85,069 as Sum Assured on Maturity. This maturity benefit helps fulfill your financial obligations.

Scenario B: Raman dies during the Term of the Policy

In the event of demise of Mr. Raman during the policy term, the higher of 105% of all the premiums paid or Sum Assured on Death is payable to the nominee.

Benefit Illustration:

Bharti AXA Life Dhan Varsha Plan