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Bajaj Allianz Life Guaranteed Income Goal: Review (2023) – Should you buy?

by Holistic Leave a Comment | Filed Under: Insurance

Listen to this article


Are you concerned about life goals?

Life is simple when there is certainty in the financial goals. Certainty in financial goals can be achieved with a proper investment plan.

Bajaj Allianz offers a plan with guaranteed return & life cover. Let us analyze whether this endowment plan helps to achieve your life goals or not.

Table of Contents

1.) An overview of Bajaj Allianz Life Guaranteed Income goal

2.) Features of Bajaj Allianz Life Guaranteed Income goal

3.) Eligibility Criteria of Bajaj Allianz Life Guaranteed Income Goal

4.) Benefits under Bajaj Allianz Life Guaranteed Income Goal

5.) How to Cancel/Surrender Bajaj Allianz Life guaranteed Income Goal Plan?

6.) Advantages of Bajaj Allianz Life Guaranteed Income Goal

7.) Disadvantages of Bajaj Allianz Life Guaranteed Income Goal

8.) Research Methodology on Bajaj Allianz Life Guaranteed Income Goal

9.) Benefit Illustration of Bajaj Allianz Life Guaranteed Income Goal

10.) Bajaj Allianz Life Guaranteed Income Goal vs. Other Investments

11.) Final Verdict on Bajaj Allianz Life Guaranteed Income Goal

An overview of Bajaj Allianz Life Guaranteed Income goal:

It is a Non-Linked, Non-Participating, Endowment Life Insurance Plan. It offers guaranteed returns along with life cover. The guaranteed returns are in the form of Regular income or Lumpsum amount at the time of maturity. The life cover can be extended beyond the policy term.

Features of Bajaj Allianz Life Guaranteed Income goal:

  • The policyholder has Multiple Policy Terms & Premium Payment Terms to choose from.

  • Extend the Life cover (ELC) – Option to extend your Life Cover beyond your Policy Term.
  • Guaranteed benefit in the form of Income or lumpsum amount. The income benefit can be increased at a predefined percentage every year.
  • Riders will enhance the life cover.

Eligibility Criteria of Bajaj Allianz Life Guaranteed Income Goal:

Parameter Details
Minimum Entry Age  6 years
Maximum Entry Age 60 years
Minimum Age at Maturity 18 years
Maximum Age at Maturity 72 years. The maximum maturity age does not include the ELC, if opted for or Income Period.
Maximum Age for termination of life cover (if ELC is opted) 84 years
Minimum Sum Assured 1,00,000
Maximum Sum Assured Based on Board Approved Underwriting Policy
Premium Payment Frequency Yearly, Half yearly, Quarterly and Monthly (Quarterly & Monthly – Auto debit)
Policy term Premium paying term
Lump sum benefit  
10 5, 7, 10
12 5, 7, 8, 12
15 5, 7, 8, 10, 12
20 5, 7, 8, 10, 12
Income benefit  
5 5
7 7
10 5, 7, 10
12 5, 7, 12
Minimum premium Yearly Half-yearly Quarterly Monthly
Lump sum benefit 22855 11656 5942 2057
Income benefit 28822 14699 7494 2594

Benefits under Bajaj Allianz Life Guaranteed Income Goal:

Death benefit:

Under Lump-sum Benefit :

If the policyholder passes away during the policy term the Sum Assured on death, as of the date of death shall be payable to the nominee.

Death Benefit during the ELC Period (only if chosen) (ELC Period is after the policy term) is the Sum Assured on Death as on the date of death.

Under Income Benefit :

The nominee will receive the Sum Assured on death as on the date of death of the policyholder.
Death Benefit during the pay-out period, if ELC is chosen then the Sum Assured on Death will be paid. If ELC is not chosen, then the remaining income benefit will be paid. The policy will terminate on payment of the last Income benefit.

Sum Assured on Death payable will be the highest of the following:

  • 10 times Annualized Premium
  • 105% of Total Premiums paid as of the date of death
  • Sum Assured

Extended Life cover (ELC):

The ELC will begin on the Maturity Date and last for as long as the PPT, plus an ELC Period. The amount of risk covered during the ELC Period is equal to the Sum Assured on Death.

ELC option under lump sum benefit – on the death of the Life Assured, the Sum Assured on Death will be paid and the Policy will terminate.

ELC option under Income benefit – on the death of the Life Assured, the Sum Assured on Death will be paid, the risk cover will terminate immediately and the Policy will terminate on the payment of the last Income benefit.

Guaranteed maturity benefit:

Under Lump-sum Benefit :

Once the policyholder pays off all the premiums, then the Guaranteed Maturity Benefit shall be paid as a lump sum. The Guaranteed Maturity Benefit will be a percentage of the policyholder’s Sum Assured. The guaranteed enhancer percentage depends on the premium paying term & policy term.

Under Income Benefit :

On the maturity date, if all premiums are paid, your Guaranteed Maturity Benefit will be paid in yearly, half-yearly, quarterly or monthly instalments (as chosen by you at the inception of the policy).

These are called Guaranteed Maturity Instalments (GMI) and will be paid at the end of the GMI year for a period equal to your Premium Payment Term (PPT).

Other benefits of Bajaj Allianz Life Guaranteed Income Goal:

Riders:

  • Bajaj Allianz Accidental Death Benefit Rider (UIN:116B034V02)
  • Bajaj Allianz Accidental Permanent Total/Partial Disability Benefit Rider (UIN:116B036V02)
  • 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)

Loan:

A loan facility is available provided that your policy has acquired a surrender benefit.

A Grace period, Discontinuance & Revival:

Grace period:

A grace period of 30 days for yearly, half-yearly & quarterly premium payment frequency and 15 days is available for monthly premium payment frequency from the due date of Regular Premium payment is allowed.

Discontinuance:

If you have not paid the First 2 years’ premium – Then, your policy will immediately and automatically lapse at the expiry of the grace period and no benefit will be payable under the policy.

If you have paid at least the First 2 years’ premium – Then Your policy will be immediately and automatically converted to a paid-up policy and the sum assured & sum assured on death & the GMIs under the policy will be automatically reduced, respectively, to the paid-up sum assured, paid-up sum assured on death & paid-up GMIs.

Revival:

You can revive your lapsed or paid-up policy within five (5) years from the due date of the first unpaid premium, before the Maturity Date.

How to Cancel/Surrender Bajaj Allianz Life guaranteed Income Goal Plan?

Free Look period:

Option to return the Policy if you disagree with any of the terms and conditions, within fifteen (15) days of the receipt of this Policy and thirty (30) days in case of the policy is purchased through online or telemarketing mode.

Surrender:

If at least two (2) full years’ premiums have been paid the policy can be surrendered anytime during the Policy Term under Lumpsum benefit and anytime up to the end of the GMI period under Income benefit.

The surrender benefit will be higher than the Guaranteed Surrender Value (GSV) or the Special Surrender Value (SSV).

GSV factor depends on premium paying term & policy term.

Advantages of Bajaj Allianz Life Guaranteed Income Goal:

  • The benefits are guaranteed & can be received as per convenience.
  • Option to extend the life cover after the policy term.
  • The income benefit can be a step-up income year after year to meet the growing needs.

Disadvantages of Bajaj Allianz Life Guaranteed Income Goal:

  • The lock-in period is 2 years for the surrender & Loan facility.
  • The investment return is comparatively low.

Research Methodology on Bajaj Allianz Life Guaranteed Income Goal:

Till now we have seen all the details on Bajaj Allianz Life Guaranteed Income Goal. Now let’s do the research analysis on the IRR of Bajaj Allianz Life Guaranteed Income Goal by using Bajaj Allianz Life Online Calculator to see how it can benefit us.

In this research, first, we are going to calculate the IRR of the Bajaj Allianz Life Guaranteed Income Goal.
Then we are going to use the same values to calculate how much return we can get from other investments.

And finally, we can see the outcome by comparing the result of Bajaj Allianz Life Guaranteed Income Goal with other investments.

It can surely help us to decide whether to buy Bajaj Allianz Life Guaranteed Income Goal or not.

Benefit Illustration of Bajaj Allianz Life Guaranteed Income Goal:

Male 35 years
Policy term 15 years
Premium paying term 12 Years
Annual premium 1,50,000
Benefit option Lumpsum 
    Bajaj Allianz Life Guaranteed Income Goal
Age  Year Annualised premium / Maturity benefit Death benefit
35 1 -1,50,000 15,00,000
36 2 -1,50,000 15,00,000
37 3 -1,50,000 15,00,000
38 4 -1,50,000 15,00,000
39 5 -1,50,000 15,00,000
40 6 -1,50,000 15,00,000
41 7 -1,50,000 15,00,000
42 8 -1,50,000 15,00,000
43 9 -1,50,000 15,00,000
44 10 -1,50,000 15,00,000
45 11 -1,50,000 15,00,000
46 12 -1,50,000 15,00,000
47 13 0 15,00,000
48 14 0 15,00,000
49 15 0 15,00,000
50 16 30,25,000  
       
  IRR 5.43%  

At the end of the policy term, a lumpsum amount of Rs. 30.25 lakh is receivable. But the IRR is only 5.43% which is similar to any Bank FD rate. Locking funds for a long period at this rate is not advisable. The return on investment will be eaten away by inflation & won’t be sufficient to meet any of your dreams.

Bajaj Allianz Life Guaranteed Income Goal vs. Other Investments:

In the Bajaj Allianz Life Guaranteed Income goal, the potential rate of return is less compared to another investment vehicle. If we invest the same amount in any other equity or debt vehicle then the capital appreciation would be better. Since the policy has a life cover, we can take a pure term life cover for the same period & invest separately in an appropriate asset class for growth.

Bajaj Allianz Life Guaranteed Income Goal Vs. PPF Vs. ELSS:

The annual premium invested in Bajaj Allianz Life Guaranteed Income Goal is Rs. 1,50,000. This amount can be divided and invested in a pure term for life cover of Rs 15 Lakhs for a period of 15 years and PPF or ELSS. The premium for the pure term is Rs. 7500. The balance amount of Rs. 142500 can be invested either in PPF or ELSS based on the investor’s risk appetite & time horizon.

    Term Insurance + PPF Term insurance + ELSS
Age  Year Term Insurance premium + PPF Death benefit Term Insurance premium + ELSS Death benefit
35 1 -1,50,000 15,00,000 -1,50,000 15,00,000
36 2 -1,50,000 15,00,000 -1,50,000 15,00,000
37 3 -1,50,000 15,00,000 -1,50,000 15,00,000
38 4 -1,50,000 15,00,000 -1,50,000 15,00,000
39 5 -1,50,000 15,00,000 -1,50,000 15,00,000
40 6 -1,50,000 15,00,000 -1,50,000 15,00,000
41 7 -1,50,000 15,00,000 -1,50,000 15,00,000
42 8 -1,50,000 15,00,000 -1,50,000 15,00,000
43 9 -1,50,000 15,00,000 -1,50,000 15,00,000
44 10 -1,50,000 15,00,000 -1,50,000 15,00,000
45 11 -1,50,000 15,00,000 -1,50,000 15,00,000
46 12 -1,50,000 15,00,000 -1,50,000 15,00,000
47 13 0 15,00,000 0 15,00,000
48 14 0 15,00,000 0 15,00,000
49 15 0 15,00,000 0 15,00,000
50 16 33,43,816   45,76,119  
           
  IRR 6.47%   9.73%  

All the metrics like premium paying term, Annual cash outflow are assumed similar to Bajaj Allianz Life Guaranteed Income goal. But consider taking a pure term with adequate life cover (here, the life cover is just Rs. 15 lakhs).

 The IRR works out to be 6.47% for PPF & 9.73% for ELSS. These are definitely better than Bajaj Allianz Life Guaranteed Income Goal & inflation beating one as well.

Final Verdict on Bajaj Allianz Life Guaranteed Income Goal:

Bajaj Allianz Life Guaranteed Income Goal is an endowment life insurance policy with additional features such as Regular Income & Extended Life Cover. But at the end of the day, the investor earns a very meagre amount in terms of capital appreciation or regular income. The life cover is also not adequate.

So, Bajaj Allianz Life Guaranteed Income Goal neither serves the purpose of life insurance coverage adequately nor serves as a good investment option for wealth accumulation.

A pure-term policy will protect your family when you are not around. It provides high coverage at the cost of an affordable premium. Investors should understand the importance of pure-term life insurance which is hardly sold by any agents. Investors shouldn’t get trapped in any of the traditional life insurance policies because they give neither insurance nor good returns.

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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