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Bajaj Allianz Future Gain is a unit-linked insurance plan wherein, the premium paid gets invested in market-linked units, providing market-linked growth and insurance protection.


  • Unit linked insurance plan where the premium is paid either for the whole plan term by way of regular premium or limited time span by way of limited premium.
  • Insured has the advantage of optimizing their wealth as nominal premium allocation charge is deducted from the premiums paid.
  • Two portfolio strategies option available based on the insured’s risk profile.
  • Insured gets to choose policy term combination and premium payment term.
  • Bonus and loan benefits are not available as it is a unit-linked insurance plan.


Maturity Benefit 

  • Regular premium and any top-up premium fund values are paid to the insured on maturity.
  • Maturity benefit can also be availed in instalments for 5 years after the date of maturity through the settlement scheme.

Death Benefit is available as below

On the death of the insured when the policy is active, higher of the below options would be paid as a death benefit:

Sum Assured which includes top-up premium if applicable 

Fund value applicable on the date of death including top-up premium if applicable. A minimum of 105% of the total premiums paid till the death of the insured would be the death benefit.

  • If the age of insured < 60 years at the time of death, the sum assured would equal net of partial withdrawals done last 2 years before the death of insured
  • If the age of the insured is 60 years and above at the time of death, then partial withdrawals done after attaining 58 years to be deducted from the sum assured

Claw-back Additions –Non-negative additions to be added to fund value to oblige with yield maximum reduction criteria after the end of the 5th year of the policy.

Tax benefit available under section 80 C  for the premium paid and under section 10(10 D) for death benefit received under Income Tax Act 1961.

Points to Note: 

Unit linked insurance plan in which premiums get linked to market-linked funds

Insurance protection provided but bonus not available

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