Bajaj Allianz Life Capital Goal Suraksha

One of the popular instruments of investment is the Unit Linked Insurance Plan which allows an investor to invest in bonds and equities. Bajaj Allianz Life Capital Goal Suraksha is also a Unit Linked Insurance Plan (ULIP), introduced in the year 2018 by Bajaj Allianz Life Insurance Co Ltd (BALIC). Similar to traditional market-linked products, Bajaj Allianz Life Capital Goal Suraksha is also subject to risks associated with the capital markets, however, would give the investor an opportunity to earn good profits through the premiums which get invested in different market instruments like debt and equity. It comes with an insurance cover and also includes the dual benefits of security and savings. Bajaj Allianz Life Capital Goal Suraksha Reviews also have confirmed the same.

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Disclaimer: #The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. *Tax benefits and savings are subject to changes in tax laws. All plans listed here are of insurance companies’ funds.

Bajaj Allianz Life Capital Goal Suraksha Plan Details:

Parameters	Details
Policy Tenure	10 years and 15 years
Premium Paying Term	Policy Term 10 years: 7 years Policy Term 15 years:10 years
Premium Paying Mode	Annually, Half Yearly, Quarterly* or Monthly* *Only under Auto-debit, as per RBI guidelines
Entry Age	18 -55 years, as per last birthday
Maturity Age	28 -65 years
Grace Period	30 days; 15 days for Monthly mode
Sum Assured	Minimum – Rs. 30,000 Maximum – Rs. 10,00,000
Liquidity	Loans are available under the plan.

Benefits of Bajaj Allianz Life Capital Goal Suraksha

Bajaj Allianz Life Capital Goal Suraksha comes packed with an array of core benefits. They are as follows:

Maturity Benefit

Although Bajaj Allianz Life Capital Goal Suraksha is not like any traditional life insurance plan, there is still a survival or maturity benefit linked with this product. The maturity benefit of Bajaj Allianz Life Capital Goal Suraksha will secure the investor and his / her family against all probability with a guaranteed sum assured on maturity as a lump sum.

Death Benefit

In case of the insured's unfortunate death during the fixed term, the beneficiary or Nominee shall receive the Death Benefit. The death benefit of Bajaj Allianz Life Capital Goal Suraksha will be calculated as per the plan details.

Better Returns

The investment in different fund options provides the policyholder to get better returns over some time. The Guaranteed benefits are based on the policy terms, premium payment term and other variable factors as per the plan.

Tax Benefits

The benefits received through the Bajaj Allianz Life Capital Goal Suraksha would apply to the premiums paid and benefits received as per the prevailing Income tax laws.

* Tax benefits are subject to change

The premium for Bajaj Allianz Life Capital Goal Suraksha

The Bajaj Allianz Life Capital Goal Suraksha premium can be either paid as a single payment option or a limited pay option. The premium can be either paid Monthly, Quarterly, Semiannually or Annual modes. Please note that the Quarterly and Monthly modes of payment will only be allowed under the auto-debit process (as per approved RBI guidelines)

Premium amounts are based on the Sum Assured, policy term, and Premium Payment term, and other plan conditions.

People looking to invest in Bajaj Allianz Life Capital Goal Suraksha can use the Bajaj Allianz Life Capital Goal Suraksha calculator available online to get a rough approximation on the premium to be paid.

Additional Riders for Bajaj Allianz Life Capital Goal Suraksha

Bajaj Allianz Life Capital Goal Suraksha Policy Rider information is currently not available.

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Eligibility for Bajaj Allianz Life Capital Goal Suraksha

Here is a rundown to the eligibility criteria for Bajaj Allianz Life Capital Goal Suraksha:

Minimum Entry Age: 18 years as per last birthday
Maximum Entry Age: Max - 55 years

What are the Documents required to buy Bajaj Allianz Capital Goal Suraksha?

To buy Bajaj Allianz Capital Goal Suraksha policy, the following is the list of documents one would need:

Proof of Identity, such as Aadhaar card, Passport, Voter's ID, Driving license, PAN card
Proof of Age, such as Birth certificate, 10th or 12th mark sheet, Passport, Aadhaar card, Voter's ID, Driving license and PAN card.
Proof of Address, such as Electricity bill, Telephone bill, Ration card, Passport, AADHAAR card, Driving license, Voter's ID
Passport size photos

How to buy Bajaj Allianz Life Capital Goal Suraksha online?

In these digital times, one can buy online Bajaj Allianz Life Capital Goal Suraksha extremely conveniently from the comfort of one's home, office or place of vacation in a matter of a few clicks. Please visit the official insurance company's website of Bajaj Allianz Life Insurance or www.bajajallianzlife.com, to login and select the Unit Linked Insurance Plan. Once logged in, one will be directed to a different page group for entering the registered mobile number, email ID, user ID, and password; choose any applicable riders, and pay the respective Bajaj Allianz Life Capital Goal Suraksha premium.

You can contact a Bajaj Allianz Life Advisor for more information.

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Exclusions of Bajaj Allianz Capital Goal Suraksha

Bajaj Allianz Life Capital Goal Suraksha not available.

FAQs

Q. How to check Bajaj Allianz Life Capital Goal Suraksha Policy status?

Ans: Bajaj Allianz Life Capital Goal Suraksha Policy status can be checked by logging onto the Bajaj Allianz's official website to access the customer services portal.
Q. How to change the Nominee's name in this plan?

Ans: The policyholder should visit the nearest branch of Bajaj Allianz and kindly carry all the necessary documents, service request form and standard ID proof of the Nominee and the proposer. Once the requested nominee changes are completed, the insurer will then send a confirmation to the policyholder through courier or email.
Q. In which scenario can the Bajaj Allianz Life Capital Goal Suraksha Policy be terminated?

Ans: This policy can be terminated by paying the surrender or discontinuance value, set by the company. At the time of termination, the Policyholder should submit the policy surrender form, original policy bond, self-attested copy of the policy holder's ID proof and any cancelled cheque, attested bank statement and bank attested passbook copy.
Q. What is the free look period for this Bajaj Allianz Life Capital Goal Suraksha Policy?

Ans: People purchasing the plan directly from the company are provided with a 15 days free look period, starting from the date the policy document is received.
Q. Can the sum assured amount for the policy be changed later on?

Ans: Yes. The policyholders of Bajaj Allianz Life Capital Goal Suraksha can change the sum assured later on. Consequently, the premium will go up as it will be re-calculated based on rising age or higher sum assured as the case may be.
Q. Is it possible to apply for a duplicate policy document for this plan?

Ans: Yes, it is possible to apply for a duplicate policy document for this plan by submitting a duly signed requisition letter or an application form and cheque (for the re-printing charges) in the nearest Branch of Bajaj Allianz.
Q. Is there any Surrender Benefit linked with this plan?

Ans: There is no surrender benefit linked with this Bajaj Allianz Life Capital Goal Suraksha Plan.

†Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. The sorting is based on past 10 years’ fund performance (Fund Data Source: Value Research). For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Please note that the quotes shown will be from our partners
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
~Source - Google Review Rating available on:- http://bit.ly/3J20bXZ

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