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Bajaj Allianz Life Assured Wealth Goal-An Insightful Review (2023)-Good or Bad?

by Holistic Leave a Comment | Filed Under: Insurance

Do you have life goals?

Do you plan & work towards reaching them?

Bajaj Allianz life claims that it has a very promising scheme to support your financial goals. Let us look at the various options for Bajaj Allianz Life Assured Wealth Goal.

Table of Contents

1.) An overview of Bajaj Allianz Life Assured Wealth Goal

2.) Features of Bajaj Allianz Life Assured Wealth Goal

3.) Eligibility criteria of Bajaj Allianz Life Assured Wealth Goal

4.) Benefits under 5 Variants of Bajaj Allianz Life Assured Wealth Goal

5.) Additional benefits of Bajaj Allianz Life Assured Wealth Goal

6.) How to Cancel/Surrender Bajaj Allianz Life Assured Wealth Goal?

8.) Advantages of Bajaj Allianz Life Assured Wealth Goal

7.) Disadvantages of Bajaj Allianz Life Assured Wealth Goal

9.) Research Methodology on Bajaj Allianz Life Assured Wealth Goal

10.) Benefit Illustration analysis on Bajaj Allianz Life Assured Wealth Goal

11.) Final Verdict on Bajaj Allianz Life Assured Wealth Goal

An overview of Bajaj Allianz Life Assured Wealth Goal:

Bajaj Allianz Life Assured Wealth Goal is a non-linked, individual life insurance, savings plan. It assures you of income in achieving your Life Goals with a guarantee.  You can select from any of the five variants. All the variants ensure the regular guaranteed payouts as a percentage of Annualized Premium. 

Features of Bajaj Allianz Life Assured Wealth Goal:

  • Five variants – Lifelong income, Second Income, Step up income, Extra income, and Wealth creation.
  • Premium paying terms can be chosen as per convenience – Single, Regular or Limited.
  • The sum of all premiums paid will be returned at the end of the Income Period.
  • A deferment period can be chosen out of the given option.
  • The income period depends on the chosen variant among the five.
  • Life cover throughout the policy term.

Eligibility criteria of Bajaj Allianz Life Assured Wealth Goal:

Plan Variants  Premium Payment Term (PPT) (in years) Policy Term (PT) (in years)  Income Period (in years)
Lifelong Income 7/ 8 / 10 / 12  99 minus Age at-Entry  PT minus PPT minus Deferment Period 
Second Income  5 30 to 44  25/ 30 
7 / 8 / 10 / 12
Step Up Income 5 25 to 32  20
7 / 8 / 10 / 12
Extra Income  5 / 7 15 to 29  10 / 15
8 / 10 / 12
Wealth Creation Single Pay (Joint Life) 5 / 10 years Not applicable
5 / 8 / 10 / 12 10 /15 / 20 /25/ 30
Plan Variants  Age at Entry (years)  Age at Maturity (years)  Min/ Max. Premium (Rs.)
Lifelong Income 51 to 65  99 50,000 to no limit 
Second Income  5 to 50  35 to 99 30,000 to no limit 
5 to 60 
Step Up Income 5 to 50  30 to 92  30,000 to no limit 
5 to 60 
Extra Income  5 to 50 20 to 89 5,000 to no limit 
5 to 60 
Wealth Creation Primary life 18 to 50 Secondary life 8 to 50  18 to 60  12,000 to no limit
0 to 65 18 to 75

Benefits under 5 Variants of Bajaj Allianz Life Assured Wealth Goal:

Option1: Lifelong Income

Death benefit:

On Death of the life assured during the policy term, the benefit shall be payable to the nominee in equated monthly instalments for 5 years. The nominee has an option to receive the future instalments as a Lumpsum as well.

The Death benefit in the Lifelong Income variant will be higher of – 

  1. Sum Assured on Death, or 
  2. 105% of Total Premiums paid as of the date of death, or 
  3. The prevailing surrender value.

Maturity benefit:

Sum of all premiums paid + Last regular guaranteed pay-out

Income benefit:

Receive regular guaranteed pay-outs as a percentage of Annualized Premium starting after the end of chosen deferment period till the age of 99 years.

Option 2: Second Income

Death benefit:

On Death of the life assured during the policy term, the benefit shall be payable to the nominee in equated monthly instalments for 5 years. The nominee has an option to receive the future instalments as a Lumpsum as well.

The Death benefit in the Second Income variant will be higher of – 

  1. Sum Assured on Death, or 
  2. 105% of Total Premiums paid as of the date of death, or 
  3. The prevailing surrender value.

Maturity benefit:

Sum of all premiums paid (if opted) + Last regular guaranteed pay-out

Income benefit:

Receive regular guaranteed pay-outs as a percentage of Annualized Premium starting after the end of chosen deferment period till the life assured is alive or for chosen Income period (25/30 years) whichever is earlier.

Option 3: Step up Income

Death benefit:

On Death of the life assured during the policy term, the benefit shall be payable to the nominee in equated monthly instalments for 5 years. The nominee has an option to receive the future instalments as a Lumpsum as well.

The Death benefit in the Step up Income Variant will be higher of – 

  1. Sum Assured on Death, or 
  2. 105% of Total Premiums paid as of the date of death, or 
  3. The prevailing surrender value.

Maturity benefit:

Sum of all premiums paid + Last regular guaranteed pay-out

Income benefit:

Receive regular pay-outs for 20 years or till the life assured is alive. Here the income payout starts after the premium paying term without any deferment period. Guaranteed payouts increase by @10% of 1st instalment of Regular guaranteed pay-out every five years during the Income Period.

Option 4: Extra Income

Death benefit:

On Death of the life assured during the policy term, the benefit shall be payable to the nominee in equated monthly instalments for 5 years. The nominee has an option to receive the future instalments as a Lumpsum as well.

The Death benefit in the Extra Income variant will be higher of – 

  1. Sum Assured on Death, or 
  2. 105% of Total Premiums paid as of the date of death, or 
  3. The prevailing surrender value.

Maturity benefit:

Only the last regular guaranteed payout. Here the sum of all premiums is not returned.

Income benefit:

Receive regular guaranteed payouts as a percentage of Annualized Premium starting after the end of chosen deferment period till the life assured is alive or for chosen Income period (10/15 years) whichever is earlier.

Option 5: Wealth Creation

Death benefit:

For the Limited/ Regular Pay option 

The Death benefit in the Wealth Creation Variant will be higher of 

Sum Assured on Death, or 

105% of Total Premiums paid as on date of death, or

The prevailing surrender value.

For Single Pay with Joint life options

 On 1st Death during the Policy Term, 1.25 times of Single Premium will be payable to the nominee and the plan will continue. 

On 2nd Death during the Policy term, the Death benefit will be higher of –

Sum Assured on Death, or 

105% of Total Premiums paid as on date of death, or

The prevailing surrender value.

Maturity benefit:

Guaranteed Maturity Benefit (GMB) will be a percentage of Total Premiums paid. It is payable at the end of the chosen policy term. In the case of Joint life, the Guaranteed Maturity Benefit will be payable on at least one life surviving till maturity.

Income benefit:

There is no income benefit under the wealth creation option.

Additional benefits of Bajaj Allianz Life Assured Wealth Goal:

Option to take Death Benefit Instalments in Lumpsum (For variants 1- 4): 

The default option is Death benefit in monthly equated instalments. At any time, the policyholder or nominee (as applicable) can change the option to take the outstanding death benefit instalments in a lump sum.

Option to take Death Benefit in Instalments (For variant 5):

At the time of intimation of death of the Life Assured (in a Single Life Policy or Joint Life Policy), the policyholder or the nominee, as applicable will have the option to take the Death Benefit in monthly or yearly instalments (along with appropriate rate) over a period of five (5) years from the date of intimation of death.

Option to avail of Maturity Benefit in Instalments (under Variant 5):

Option to take Maturity Benefit in monthly or yearly instalments over a period of 5 years; which can be chosen at any time before the maturity date.

Option to avail Income on date of your choice (under Variants 1 to 4):

Option to receive the regular guaranteed payouts at any special date of the year like a birthday, wedding anniversary or any other date of your choice. The regular guaranteed payouts will be payable on the policy anniversary if this option has not been opted for.

Option to take Death Benefit in annual instalments (under Variants 1 to 4):

The policyholder has an option to take the Death Benefit in yearly instalments. This option once opted cannot be changed subsequently.

Riders:

  • Bajaj Allianz Accidental Death Benefit Rider
  • Bajaj Allianz Accidental Permanent Total/Partial Disability Benefit Rider 
  • Bajaj Allianz Critical Illness Benefit Rider (UIN:116B035V02) 
  • Bajaj Allianz Family Income Benefit Rider (UIN:116B037V02) 
  • Bajaj Allianz Waiver of Premium Benefit Rider (UIN: 116B031V02)

Alteration of premium paying frequency & income pay-out frequency:

The policyholder will have the option to change the premium payment frequency or Income/ Guaranteed Maturity Benefit (GMB) frequency at any policy anniversary.

Premium frequency Wealth Creation variant  Pay-out frequency
Yearly  Half-yearly  Quarterly  Monthly
Single/ Yearly  1 1 0.491 0.243 0.0805
Half-yearly  0.982 0.982 0.481 0.238 0.0785
Quarterly  0.972 0.972 0.474 0.234 0.0775
Monthly 0.966 0.966 0.471 0.233 0.0765

Policy Loan:

Provided the policy has acquired surrender value, during the policy term, the policyholder will have the option to take a policy loan, subject to a maximum limit of 80% of the surrender value available under the policy.

The Grace period, Revival, Paid-up

Grace period:

The Grace Period is thirty (30) days for frequencies other than monthly and fifteen (15) days for monthly frequency during which the Policy is considered to be in force with the risk cover.

Revival:

The policyholder can revive their lapsed or paid-up policy that is subjected to a few conditions

Paid-up:

If the first 2 years’ premium is unpaid: Then, your policy will immediately and automatically lapse at the expiry of the grace period and no benefit will be payable under the policy.

How to Cancel/Surrender Bajaj Allianz Life Assured Wealth Goal?

Free look period:

If the policyholder disagrees with any of the terms & conditions, he/she will have an option to return the policy within 15 days of the receipt of this policy and 30 days in case of electronic policy and policy obtained through distance mode.

Surrender:

The policy can be surrendered at any time during the policy term under a single premium policy or provided at least the first two (2) full Policy years’ regular premiums have been paid in a limited/regular premium policy.

The surrender value payable will be higher than the guaranteed surrender value (GSV) or the special surrender value (SSV).

GSV factors will be applied on Total Premiums received less the sum of all in-force or paid-up Income pay-outs paid (as applicable), to arrive at the GSV.

Advantages of Bajaj Allianz Life Assured Wealth Goal:

  • Policy has a variety of options to choose from according to the requirement.
  • The return on the premium is an added advantage.
  • The wealth creation variant offers the compounding effect of the corpus.
  • A joint life option is available under the Single pay option (variant 5).
  • Life-long income variants can act as a secondary source of income during post-retirement. 
  • All future pay-outs (Income benefits) are guaranteed.
  • Riders are available.
  • The loan option helps to meet any emergency.

Disadvantages of Bajaj Allianz Life Assured Wealth Goal:

  • The income benefit is constant throughout life except in the Step-up variant. It is not adjusted to inflation.
  • The sum assured on death is not adequate.
  • The lock-in period is 2 years.

Research Methodology on Bajaj Allianz Life Assured Wealth Goal:

Till now we have seen all the details on Bajaj Allianz Life Assured Wealth Goal Plan. But, it is not enough to decide whether we should buy this plan or not.

So, now we are going to do research and analyse the IRR of Bajaj Allianz Life Assured Wealth Goal Plan. In this way, we can see whether the Bajaj Allianz Life Assured Wealth Goal plan will benefit us or not.

In this research methodology, first, we are going to see the IRR of Bajaj Allianz Life Assured Wealth Goal by using the Bajaj Allianz Life Assured Wealth Goal Online Calculator.

Then we are going to use the same value to calculate the return on other investments.

Later, we are going to compare the IRR of Bajaj Allianz Life Assured Wealth Goal vs. other investments.

This method can give us a clear view to decide whether we should buy this plan or not.

Benefit Illustration analysis on Bajaj Allianz Life Assured Wealth Goal:

The benefit illustration under each variant is explained in the following table.

  Lifelong Income Second Income  Step Up Income Extra Income  Wealth Creation
Age 53 35 35 35 30
Premium Payment Term (PPT) (in years) 10 10 8 10 8
Deferment period (in Years) 2 2 0 2 0
Income Period (in years) 35 30 20 15 0
Policy Term (PT) (in years)  47 42 28 27 15
Annualised premium (in Rs.) 1,50,000 1,50,000 1,50,000 1,50,000 1,50,000
Income benefit (in Rs.) 1,51,125 1,74,000 90,0000 – 1,17,000 2,44,875 21,39,000 (lumpsum)
Return of Purchase Price 15,00,000 15,00,000 12,00,000 0 0
IRR 5.95% 6.96% 6.18% 6.52% 5.18%

On analysing each variant, it is evident that Income benefit would be the least in Life long income variant and also in the Step up variant. 

If you receive the income benefit for a predefined period, then the income benefit amount would be higher. It would be even higher for 15 years (Extra income) when compared to the 30-year (second income) income benefit period.

Since the second Income variant has a limited income benefit period & also has an option for return of purchase price, the IRR works out to 6.96%. This rate is more or less equal to the bank FD rate.

On the whole, the return range would be between 5% and 7%. This is equivalent to any debt instrument return. This return is not sufficient to build the corpus for life goals. These are not inflation-beating ones.

Final Verdict on Bajaj Allianz Life Assured Wealth Goal:

In today’s uncertain world, it is imperative to have guaranteed return (fixed income) products in their portfolio.

Bajaj Allianz Life Assured Wealth Goal plan may look like it is suitable for investors who like to save systematically & invest towards their long-term goals. The step income option & return of purchase are added advantages to this plan.

But keeping in mind the inflation rate, the return on investment of this plan won’t be sufficient to meet the inflated cost of goals. The potential return of Bajaj Allianz Life Assure Wealth Goal Plan won’t beat inflation consistently over a long duration.

The rising inflation across the globe has reduced the purchasing power of money. To prevent the loss of your money, just saving is not enough. If you do not invest in the appropriate asset class, then you are essentially allowing inflation to take away your hard-earned money from you.

If you have any comments or questions, write them in the comment box below.

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Jey S
Jey S
24. September, 2021.
I have been using Holistic Investment Planners for the last three years. Mr. Srinivasavaradhan answered all my questions and doubts very patiently during the first free consultation. I was able to clearly define my short-, medium- and long-term goals once I signed up for the comprehensive plan and got their investment plan suggestion to achieve my goals. They are very polite and highly professional whenever I contact them for any queries or make investments. They never pressurize you to invest on their recommended financial products. I would have been lost money by investing directly without their help since I do not have time and knowledge about different financial products. Risk planning is also done as part of financial planning. Truly, they are holistic planners when it comes to your financial planning. They help you to define your life goals, understand your financial resources and establish a plan to invest towards reaching those goals. They do review your plan as you progress to make sure that you are on correct path to achieve those goals. Kudos to the team and keep up the good work!!! I am happy that I found holistic investment planners for my financial planning and management.
aksaswadkar
aksaswadkar
24. September, 2021.
I was about to retire and really not understanding how to invest money to have financial freedom and fulfilling my goals. Was desperately searching on internet way out and fortunately came across Holistic Investment Planners. I read number of articles on their website and realized that this is the agency which I want and engaged their services for my retirement planning. It is an excellent experience to be associated with Holistic. Right from day one our interaction was fantastic and they gave me such a wonderful plan that I had never imagined. I am fortunate enough to be in the client list of Holistic. I have recommended Holistic to my friends as well.
Lionel Faber
Lionel Faber
16. September, 2021.
I've been availing their services for the past year. They are highly knowledgeable in the field and are very patient with all doubts and queries. Personalized financial planning is provided keeping your short term, medium term and long term goals in mind. They do not pressurize you to purchase schemes of their choice. They provide their input and suggestions and leave the decision up to you which shows their honesty and high principle.
Sridhar
Sridhar
8. September, 2021.
Financial planning brings peace in life. Holistic Investment have supported in arriving financial plan based on future goals. My investments are regular since then. They are professionals in their business, will recommend others.
Nitesh Agrawal
Nitesh Agrawal
6. September, 2021.
I have been using Holistic Investment Planners from last one year. The journey has been fantastic. Being a finance person myself I always thought we can look after and plan own finances also. However, due to lack of time and deciplain the things are not always as desired. After joining with Holistic Investment for the first time Icame to know the Financial goals and quantified them. Some dreams were unrealistic based on the earnings and savings so had a reality check. Also got the information and deciplain of investing on regular and more rewarding securities. I definetly suggest to use Holistic Investment Planners. They are professionals, available and hear youor full story before presenting plans. They are flexile in the sense if there are some urgent deviations required, they help to plan the same. For all professionals/individuals I would suggest using professional help of Holistic Investment Planners for best results in long term investment and financial goals achivements. Last advise will be to start early in your life. It really pays well to start in the beginning itself else the dreams needs to adjust :)
Swetha Vasanth
Swetha Vasanth
6. September, 2021.
This is my first year service with the Holistic Team and I would say that they are very much helpful in creating a financial plan and follow ups during the year. I would definitely suggest them if anyone who is willing to proceed with their savings professionally.
Joseph Mathias
Joseph Mathias
6. September, 2021.
I came to know about Holistic Investment Planners online while searching for different investment ideas. Once I contacted them the journey was very smooth. Mr. Ramalingam explained all the aspects of Financial planning in detail and it opened my mind. I realized how important it is to have a Financial planning. Mr. Rajan suggested all the requirements as per my goals and made a Investment plan keeping in mind of my goals. I started my Investment journey with them. I wish I had done it some years back then it would have been in a different level. Review meetings were held every six month to check the implementation of the plan and check the results as per the requirements and to check if any changes required. Overall it was a good experience with Holistic Investment team and would like to continue in the years to come.
Srinvas Kannan
Srinvas Kannan
30. July, 2021.
I came across Holistic investment planners almost 5-6 years back, but I did not have the trust since I had met a few of them who did not sound promising. Then I started investing through a financial advisor of my friend. After 4 years of investing the returns were very low. I was disappointed and started looking for financial advisors when I came across Holistic investment. I had a detailed discussion about my goals and the way they would approach achieving my goal before deciding to switch my investments to them. After a thorough analysis of my then existing portfolios, they suggested new ones and we zeroed-in on 6 schemes/funds where our investment would be split. I am glad I made the decision of switching over and taking Holistic planner's advise, my returns are handsome and I only wish I could have taken their help/advise 5 years back itself. Neverthless, I would like to recommend their services for investment and financial advise if someone is serious about their investments.
Shivaram Andiappan Selvaraj
Shivaram Andiappan Selvaraj
3. July, 2021.
I got a free first time consultation. I got my doubts resolved. They also gave additional advises for investment planning which was also useful.
Nellai B
Nellai B
26. June, 2021.
I have been associated with them for the past three years. They are very professional and polite in answering all our questions. I have complete trust in their suggestions. I strongly recommend for anyone. I am looking forward to have strong and successful association with them.
Google rating score: 4.4 of 5,
based on 61 reviews

Google Reviews

Jey S
Jey S
24. September, 2021.
I have been using Holistic Investment Planners for the last three years. Mr. Srinivasavaradhan answered all my questions and doubts very patiently during the first free consultation. I was able to clearly define my short-, medium- and long-term goals once I signed up for the comprehensive plan and got their investment plan suggestion to achieve my goals. They are very polite and highly professional whenever I contact them for any queries or make investments. They never pressurize you to invest on their recommended financial products. I would have been lost money by investing directly without their help since I do not have time and knowledge about different financial products. Risk planning is also done as part of financial planning. Truly, they are holistic planners when it comes to your financial planning. They help you to define your life goals, understand your financial resources and establish a plan to invest towards reaching those goals. They do review your plan as you progress to make sure that you are on correct path to achieve those goals. Kudos to the team and keep up the good work!!! I am happy that I found holistic investment planners for my financial planning and management.
aksaswadkar
aksaswadkar
24. September, 2021.
I was about to retire and really not understanding how to invest money to have financial freedom and fulfilling my goals. Was desperately searching on internet way out and fortunately came across Holistic Investment Planners. I read number of articles on their website and realized that this is the agency which I want and engaged their services for my retirement planning. It is an excellent experience to be associated with Holistic. Right from day one our interaction was fantastic and they gave me such a wonderful plan that I had never imagined. I am fortunate enough to be in the client list of Holistic. I have recommended Holistic to my friends as well.
Lionel Faber
Lionel Faber
16. September, 2021.
I've been availing their services for the past year. They are highly knowledgeable in the field and are very patient with all doubts and queries. Personalized financial planning is provided keeping your short term, medium term and long term goals in mind. They do not pressurize you to purchase schemes of their choice. They provide their input and suggestions and leave the decision up to you which shows their honesty and high principle.
Sridhar
Sridhar
8. September, 2021.
Financial planning brings peace in life. Holistic Investment have supported in arriving financial plan based on future goals. My investments are regular since then. They are professionals in their business, will recommend others.
Nitesh Agrawal
Nitesh Agrawal
6. September, 2021.
I have been using Holistic Investment Planners from last one year. The journey has been fantastic. Being a finance person myself I always thought we can look after and plan own finances also. However, due to lack of time and deciplain the things are not always as desired. After joining with Holistic Investment for the first time Icame to know the Financial goals and quantified them. Some dreams were unrealistic based on the earnings and savings so had a reality check. Also got the information and deciplain of investing on regular and more rewarding securities. I definetly suggest to use Holistic Investment Planners. They are professionals, available and hear youor full story before presenting plans. They are flexile in the sense if there are some urgent deviations required, they help to plan the same. For all professionals/individuals I would suggest using professional help of Holistic Investment Planners for best results in long term investment and financial goals achivements. Last advise will be to start early in your life. It really pays well to start in the beginning itself else the dreams needs to adjust :)
Swetha Vasanth
Swetha Vasanth
6. September, 2021.
This is my first year service with the Holistic Team and I would say that they are very much helpful in creating a financial plan and follow ups during the year. I would definitely suggest them if anyone who is willing to proceed with their savings professionally.
Joseph Mathias
Joseph Mathias
6. September, 2021.
I came to know about Holistic Investment Planners online while searching for different investment ideas. Once I contacted them the journey was very smooth. Mr. Ramalingam explained all the aspects of Financial planning in detail and it opened my mind. I realized how important it is to have a Financial planning. Mr. Rajan suggested all the requirements as per my goals and made a Investment plan keeping in mind of my goals. I started my Investment journey with them. I wish I had done it some years back then it would have been in a different level. Review meetings were held every six month to check the implementation of the plan and check the results as per the requirements and to check if any changes required. Overall it was a good experience with Holistic Investment team and would like to continue in the years to come.
Srinvas Kannan
Srinvas Kannan
30. July, 2021.
I came across Holistic investment planners almost 5-6 years back, but I did not have the trust since I had met a few of them who did not sound promising. Then I started investing through a financial advisor of my friend. After 4 years of investing the returns were very low. I was disappointed and started looking for financial advisors when I came across Holistic investment. I had a detailed discussion about my goals and the way they would approach achieving my goal before deciding to switch my investments to them. After a thorough analysis of my then existing portfolios, they suggested new ones and we zeroed-in on 6 schemes/funds where our investment would be split. I am glad I made the decision of switching over and taking Holistic planner's advise, my returns are handsome and I only wish I could have taken their help/advise 5 years back itself. Neverthless, I would like to recommend their services for investment and financial advise if someone is serious about their investments.
Shivaram Andiappan Selvaraj
Shivaram Andiappan Selvaraj
3. July, 2021.
I got a free first time consultation. I got my doubts resolved. They also gave additional advises for investment planning which was also useful.
Nellai B
Nellai B
26. June, 2021.
I have been associated with them for the past three years. They are very professional and polite in answering all our questions. I have complete trust in their suggestions. I strongly recommend for anyone. I am looking forward to have strong and successful association with them.
Google rating score: 4.4 of 5,
based on 61 reviews

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