Bharti Axa Guaranteed Income Pro
  • Regular guaranteed income
  • Lumpsum amount at maturity
  • 2 Plan option
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Bharti Axa Guaranteed Income Pro

Bharti AXA Life Guaranteed Pro is a non-linked, non-participating life insurance savings plan. This plan has the dual benefit of a long-term income option and a guaranteed maturity benefit. With the starting minimum entry age of 3 months, this plan can be bought for up to 65 years of age.

Apart from the regular guaranteed plan, it offers death benefits as per the premium paid. In Bharti AXA Life Guaranteed Income Pro, you can receive death benefits from Rs. 25,000 to no limit.

Bharti AXA Life Guaranteed Pro Plan offers you a range of benefits including:

why-choose
  • Life insurance cover
  • Two plan options
  • Receive all premiums back
  • Flexible premium paying term

Eligibility Criteria for Bharti Axa Guaranteed Income Pro

Your Occupation

Entry age

Minimum- 3 months, Maximum- 65 years

Mukhyamantri Amrutam Yojana

Maturity age

Minimum- 18 years, Maximum- 80 years

Your Gender

Policy tenure

N/A

Maternity Benefit Rider

Premium payment term

Annual, semi-annual, quarterly & monthly

Dr YSR Aarogyasri Trust

Premium payment frequency

Annual, semi-annual, quarterly & monthly

Maternity Benefit Rider

Sum assured

Rs. 25,000 to No Limit

How does Bharti AXA Life Guaranteed Income Pro work?

Let's understand how the Bharti AXA Life Guaranteed Income Pro Plan works with a simple premium illustration.

Why Buy Term Insurance Online?

Problem

Nikhil, an IT professional aims to start a consulting firm after retirement. So, he is looking for some investment options. His colleague suggested he visit Policyx.com. The advisor carefully analyzed his plan and suggested the exact solution as per his requirements.

Solution

Suppose Nikhil invests Rs.50,000 per annum for 8 years for a policy term of 13 years. During any unfortunate event, his nominee will receive the death benefit of Rs. 6,25,000. After the policy term, Nikhil will receive Rs. 49,700 annually for 25 years and at maturity, he’ll be paid all premiums back.

Let's understand how the Bharti AXA Life Guaranteed Income Pro Plan works for him with a premium illustration table.

Age of policyholder Total Premium paid Income annual Income Period Total income Return of premium
27 years Rs. 6 Lac Rs. 49,700 25 years Rs. 12,42,500 Rs. 6 lac

Key Takeaways: For 25 years, Nikhil will receive a regular income of Rs. 49,700. At maturity, he will get all the paid premium back. In case of Nikhil's unfortunate demise, his nominee will receive a death benefit equal to Rs. ₹6,25,000.

Features of Bharti Axa Guaranteed Income Pro

Here are some features of Bharti Axa Guaranteed Income Pro:

Bharti Axa Investment Plans

‘A plan that helps you save for your future goals’. Bharti Axa Guaranteed Wealth Pro offers you dual benefits- insurance coverage to provi...

Unique Features

  • Choose your pay structure
  • Insurance cover
  • Multiple income options

Bharti Axa Guaranteed Wealth Pro (Pros)

Bharti Axa Guaranteed Wealth Pro
  • Guaranteed returns
  • Option to choose payout structure
  • Income options

Bharti Axa Guaranteed Wealth Pro (Cons)

Bharti Axa Guaranteed Wealth Pro
  • Suicidal deaths not covered
  • Air accidents not covered

Bharti Axa Guaranteed Wealth Pro (Other Benefits)

Bharti Axa Guaranteed Wealth Pro
  • Choose premium payment term and policy term
  • Insurance cover
  • Additional rider options

Bharti Axa Guaranteed Wealth Pro (Eligibility Criteria)

Bharti Axa Guaranteed Wealth Pro
  • Minimum entry age- 0 year
  • Maximum entry age- 60 years
  • Minimum- 105% of total premiums paid
  • Maximum- No limit
  • Maximum policy term- 12 years

Bharti Axa Life Shining Stars helps you fulfil your child’s dreams without any compromise. This investment plan helps you save a lump sum amount...

Unique Features

  • Get guaranteed maturity benefits
  • Advanced premium payment options
  • Flexible policy tenure

Bharti Axa Shining Stars (Pros)

Bharti Axa Shining Stars
  • Multiple policy and premium payment tenure
  • Maturity benefits
  • Death benefits

Bharti Axa Shining Stars (Cons)

Bharti Axa Shining Stars
  • Suicidal death not covered
  • Aviation accident not covered
  • Adventurous incidents not covered

Bharti Axa Shining Stars (Other Benefits)

Bharti Axa Shining Stars
  • Multiple maturity options to choose from
  • Advanced premium option
  • Paid up benefits

Bharti Axa Shining Stars (Eligibility Criteria)

Bharti Axa Shining Stars
  • Minimum entry age- 18 year
  • Maximum entry age- 60 years
  • Minimum sum assured- Rs 50
  • 000
  • Maximum sum assured- No Limit
  • Maximum policy term- 20 years

With the Bharti AXA Super Series Plan, enjoy guaranteed savings and income for worry-free tomorrow! Bharti AXA Life Super Series provides guaranteed s...

Unique Features

  • Guaranteed Maturity Additions
  • Guaranteed Money Back
  • 3 Premium Payment Options

Bharti AXA Super Series Plan (Pros)

Bharti AXA Super Series Plan
  • Guaranteed Money Back
  • Maturity Benefit
  • Guaranteed Maturity Addition

Bharti AXA Super Series Plan (Cons)

Bharti AXA Super Series Plan
  • Limited Flexibility
  • High premiums
  • Potential lower return

Bharti AXA Super Series Plan (Other Benefits)

Bharti AXA Super Series Plan
  • 3 variants
  • Guaranteed cash payout
  • 5 optional riders

Bharti AXA Super Series Plan (Eligibility Criteria)

Bharti AXA Super Series Plan
  • Minimum entry age- 0 year
  • Maximum entry age- 63 years
  • Sum Assured- No Limit
  • Maximum policy term- 20 years

Bharti AXA Life Guaranteed Pro is a non-linked, non-participating life insurance savings plan. This plan has the dual benefit of a long-term income op...

Unique Features

  • Regular guaranteed income
  • Lumpsum amount at maturity
  • 2 Plan option

Bharti Axa Guaranteed Income Pro (Pros)

Bharti Axa Guaranteed Income Pro
  • Life insurance cover
  • Two plan options
  • Receive all premiums back
  • Flexibility

Bharti Axa Guaranteed Income Pro (Cons)

Bharti Axa Guaranteed Income Pro
  • No suicidal cover
  • Air accident not covered

Bharti Axa Guaranteed Income Pro (Other Benefits)

Bharti Axa Guaranteed Income Pro
  • Life insurance covers for the whole policy tenure
  • Two plan options: endowment and income option
  • Get paid premium back under the income option

Bharti Axa Guaranteed Income Pro (Eligibility Criteria)

Bharti Axa Guaranteed Income Pro
  • Minimum entry age- 3 months
  • Maximum entry age- 65 years
  • Minimum sum assured- Rs 25000
  • Maximum sum assured- No Limit
  • Maximum policy term- 25 years

Bharti Axa Super Endowment helps you create wealth and even secure the future of your loved ones financially in case of your uncertain demise. You can...

Unique Features

  • Multiple policy tenure
  • Guaranteed additions on maturity
  • Benefits paid on survival

Bharti Axa Super Endowment Plan (Pros)

Bharti Axa Super Endowment Plan
  • Flexible policy tenure and premium payment tenure
  • Guaranteed additions
  • Surrender benefits
  • Maturity benefits

Bharti Axa Super Endowment Plan (Cons)

Bharti Axa Super Endowment Plan
  • Aviation accident not covered
  • No suicidal coverage
  • High premiums

Bharti Axa Super Endowment Plan (Other Benefits)

Bharti Axa Super Endowment Plan
  • Death benefits
  • Extended life cover available
  • Loan against the policy
  • Advance premiums

Bharti Axa Super Endowment Plan (Eligibility Criteria)

Bharti Axa Super Endowment Plan
  • Minimum entry age- 91 days
  • Maximum entry age- 60 years
  • Minimum sum assured- Rs 3000
  • Maximum sum assured- No Limit
  • Maximum policy term- 20 years

Bharti AXA Life Unnati is a two-in-one protection and savings-based life insurance policy. It is designed to offer guaranteed and non-guaranteed benef...

Unique Features

  • 15x Protection
  • Yearly Cash Bonus
  • Guaranteed Income

Bharti AXA Life Unnati Plan (Pros)

Bharti AXA Life Unnati Plan
  • 15x Protection
  • Yearly Cash Bonus
  • Guaranteed Income

Bharti AXA Life Unnati Plan (Cons)

Bharti AXA Life Unnati Plan
  • Suicidal death not covered
  • Illegal activities not covered
  • High premiums

Bharti AXA Life Unnati Plan (Other Benefits)

Bharti AXA Life Unnati Plan
  • Waiver of Premiums
  • Cash Bonuses
  • Guaranteed Income

Bharti AXA Life Unnati Plan (Eligibility Criteria)

Bharti AXA Life Unnati Plan
  • Entry Age: Minimum- 91 days Maximum- 60 years
  • SA: No limit
  • Maximum Maturity Age: 84 years

Bharti Axa Elite Advantage offers its policyholders dual benefits, including death and maturity benefits. You can also choose rider benefits with this...

Unique Features

  • Flexible premium payment term
  • Loan on policy
  • Guaranteed maturity sum

Bharti Axa Life Elite Advantage (Pros)

Bharti Axa Life Elite Advantage
  • Flexible premium payment terms
  • Life insurance cover
  • Maturity benefits
  • Loan on policy

Bharti Axa Life Elite Advantage (Cons)

Bharti Axa Life Elite Advantage
  • Limited policy term
  • Charges and fees
  • High premiums

Bharti Axa Life Elite Advantage (Other Benefits)

Bharti Axa Life Elite Advantage
  • Grace period
  • Policy loan
  • Free-look option

Bharti Axa Life Elite Advantage (Eligibility Criteria)

Bharti Axa Life Elite Advantage
  • Minimum entry age- 6 year
  • Maximum entry age- 65 years
  • Minimum sum assured- Depends on the minimum premium
  • Maximum sum assured- No Limit
  • Maximum policy term- 12 years

Save extra with Bharti AXA Dhan Varsha Plan – Guaranteed Survival Benefit and Assured Life Cover. Bharti AXA Life's Dhan Varsha plan is a long-t...

Unique Features

  • Survival Benefits
  • Yearly Cash Bonuses
  • Maturity Benefit

Bharti AXA Life Dhan Varsha Plan (Pros)

Bharti AXA Life Dhan Varsha Plan
  • Guaranteed Survival Benefit
  • Guaranteed Maturity Benefit
  • Cash Bonuses

Bharti AXA Life Dhan Varsha Plan (Cons)

Bharti AXA Life Dhan Varsha Plan
  • Guaranteed Additions
  • No High Sum Assured Rebate
  • No Auto Cover Continuance

Bharti AXA Life Dhan Varsha Plan (Other Benefits)

Bharti AXA Life Dhan Varsha Plan
  • Flexible Premium Payment
  • Flexible Policy Term
  • 4 Add-on Riders

Bharti AXA Life Dhan Varsha Plan (Eligibility Criteria)

Bharti AXA Life Dhan Varsha Plan
  • Minimum entry age- 91 days
  • Maximum entry age- 75 years
  • Minimum sum assured- Rs 25000
  • Maximum sum assured- No Limit

Bharti Axa Samriddhi is a combination of a life insurance plan and a savings plan. This plan protects your family financially in case of your absence ...

Unique Features

  • Lump sum benefits
  • Flexible premium payment term
  • Non guaranteed bonuses

Bharti Axa Life Samriddhi (Pros)

Bharti Axa Life Samriddhi
  • Life cover
  • Maturity benefits
  • Flexible premium payment term

Bharti Axa Life Samriddhi (Cons)

Bharti Axa Life Samriddhi
  • No death benefits in case of policyholder& 039;s suicide within 12 months
  • No premium discontinuance
  • No pre-existing cover

Bharti Axa Life Samriddhi (Other Benefits)

Bharti Axa Life Samriddhi
  • Lump sum benefits
  • Flexible premium payment term
  • Non guaranteed bonuses

Bharti Axa Life Samriddhi (Eligibility Criteria)

Bharti Axa Life Samriddhi
  • Entry age: Minimum- 0 years Maximum- 55 years
  • SA: Depends on the minimum and maximum premium
  • Premium payment term: 5/12 years or the same as the policy term

Get Income for Tomorrow with Bharti AXA Monthly Advantage Plan – secure savings, guaranteed returns, and financial security. Bharti AXA Life Mon...

Unique Features

  • Guaranteed Monthly Income
  • Earn Yearly Cash Bonuses
  • Extra Protection with Riders

Bharti AXA Life Monthly Advantage (Pros)

Bharti AXA Life Monthly Advantage
  • Guaranteed monthly income
  • In-built accidental total permanent disability covered
  • Earn annual cash bonus

Bharti AXA Life Monthly Advantage (Cons)

Bharti AXA Life Monthly Advantage
  • No high sum assured rebate
  • Premium offset
  • No auto cover continuance

Bharti AXA Life Monthly Advantage (Other Benefits)

Bharti AXA Life Monthly Advantage
  • Flexible premium payment
  • Add-on riders
  • Guaranteed surrender value

Bharti AXA Life Monthly Advantage (Eligibility Criteria)

Bharti AXA Life Monthly Advantage
  • Minimum entry age- 2 years
  • Maximum entry age- 65 years
  • Policy term- Up to 24 years
  • Minimum sum assured- Rs. 50
  • 000

Bharti AXA Life Secure Income Plan is a non-linked guaranteed life insurance plan. It provides regular guaranteed monthly income along with fixed guar...

Unique Features

  • Regular Guaranteed Income
  • Guaranteed additions
  • Policy loan facility

Bharti AXA Secure Income Plan (Pros)

Bharti AXA Secure Income Plan
  • Regular guaranteed ncome
  • Guaranteed additions
  • Policy loan facility

Bharti AXA Secure Income Plan (Cons)

Bharti AXA Secure Income Plan
  • No pre-existing condition
  • Suicidal exclusion
  • No auto-cover continuance

Bharti AXA Secure Income Plan (Other Benefits)

Bharti AXA Secure Income Plan
  • Life insurance cover
  • Maturity benefits
  • Tax benefits

Bharti AXA Secure Income Plan (Eligibility Criteria)

Bharti AXA Secure Income Plan
  • Minimum entry age- 0 year
  • Maximum entry age- 65 years
  • Minimum sum assured- Rs 25000
  • Maximum sum assured- No limit
  • Maximum policy term- 20 years

Bharti Axa Life Child Advantage Plan helps you secure your child's future. This plan comes with maturity benefits as well as life insurance coverage. ...

Unique Features

  • Offers Premium Waiver Benefit
  • Choose Maturity Option
  • Choose Premium Payment Term

Bharti Axa Child Advantage Plan (Pros)

Bharti Axa Child Advantage Plan
  • Offers you Premium Waiver Benefit
  • Choose your maturity option
  • Choose your premium payment term

Bharti Axa Child Advantage Plan (Cons)

Bharti Axa Child Advantage Plan
  • No pre-existing condition
  • Suicidal exclusion
  • No auto-cover continuance

Bharti Axa Child Advantage Plan (Other Benefits)

Bharti Axa Child Advantage Plan
  • Potential bonuses
  • Maturity benefits
  • Guaranteed payout

Bharti Axa Child Advantage Plan (Eligibility Criteria)

Bharti Axa Child Advantage Plan
  • Minimum entry age- 0 year
  • Maximum entry age- 18 years
  • Minimum sum assured- Rs 25000
  • Maximum sum assured- No limit
  • Maximum policy term- 21 years

Save More with Bharti AXA Life Flexi Save Plan – Earn Annual Bonuses Along with Assured Life Cover.Bharti AXA Life Flexi Save plan is a non-part...

Unique Features

  • Flexibility to Modify Policy Term
  • Earn Yearly Cash Bonuses
  • Guaranteed Maturity Benefit

Bharti AXA Life Flexi Save (Pros)

Bharti AXA Life Flexi Save
  • Flexibility to modify policy term
  • Cash bonuses
  • Death benefits

Bharti AXA Life Flexi Save (Cons)

Bharti AXA Life Flexi Save
  • No pre-existing condition
  • Suicidal exclusion
  • No auto-cover continuance

Bharti AXA Life Flexi Save (Other Benefits)

Bharti AXA Life Flexi Save
  • Maturity benefits
  • Partial withdrawals
  • Tax benefits

Bharti AXA Life Flexi Save (Eligibility Criteria)

Bharti AXA Life Flexi Save
  • Minimum entry age- 0 year
  • Maximum entry age- 65 years
  • Minimum sum assured- Depends on minimum premium
  • Maximum sum assured- No limit
  • Maximum policy term- 30 years

Bharti Axa Wealth Pro Plan offers you dual benefits- life cover to protect your family financially even in your absence and create wealth over a perio...

Unique Features

  • Wealth boosters
  • Loyalty additions
  • Multiple investment strategies

Bharti Axa Life Wealth Pro (Pros)

Bharti Axa Life Wealth Pro
  • Wealth boosters
  • Loyalty additions
  • Multiple investment strategies

Bharti Axa Life Wealth Pro (Cons)

Bharti Axa Life Wealth Pro
  • No pre-existing condition
  • Suicidal exclusion
  • No auto-cover continuance

Bharti Axa Life Wealth Pro (Other Benefits)

Bharti Axa Life Wealth Pro
  • Death benefits
  • Maturity benefits
  • Partial withdrawals

Bharti Axa Life Wealth Pro (Eligibility Criteria)

Bharti Axa Life Wealth Pro
  • Minimum entry age- 0 year
  • Maximum entry age- 65 years
  • Minimum sum assured- Rs 1
  • 00
  • 000
  • Maximum sum assured- No limit
  • Maximum policy term- 30 years

Bharti Axa Future Invest is a combination of a life insurance product and an investment plan. Your family gets financial protection in case of your un...

Unique Features

  • Zero allocation charges
  • Expandable investment period
  • Limited premium payment term

Bharti Axa Life Future Invest Plan (Pros)

Bharti Axa Life Future Invest Plan
  • Limited premium payment term
  • Extendable investment period
  • Liquidity benefits

Bharti Axa Life Future Invest Plan (Cons)

Bharti Axa Life Future Invest Plan
  • No Guaranteed Additions
  • No Premium Offset
  • Whole Life Cover Not Available

Bharti Axa Life Future Invest Plan (Other Benefits)

Bharti Axa Life Future Invest Plan
  • Maturity benefits
  • Zero allocation charges
  • Tax Benefits

Bharti Axa Life Future Invest Plan (Eligibility Criteria)

Bharti Axa Life Future Invest Plan
  • Entry age - 18 years
  • Max entry age - 59 years
  • Min sum assured - 125% of Single Premium
  • Max maturity age - 69 years
  • PPT - Single Pay and 5 years
Tired of Pushy Sales? Get Insurance, Your Way Tired of Pushy Sales? Get Insurance, Your Way

Plan options available in Bharti AXA Life Guaranteed Income Pro:

This plan offers two different plan options

  1. Endowment option

    • Death benefit: Upon the unfortunate demise of the life insured during the policy term, the death benefit will pay among the highest of:

      For single pay less than Rs. 50,000:

      1.25 times Single Premium or

      • 105% of the total premium paid or
      • As per the policy sum assured.

      For single Pay more than Rs. 50,000:

      • 10 times the Single premium or
      • 105% of the total premium paid or
      • As per the policy sum assured.

      Limited and regular pay:

      • 11 times the annualized premium or
      • 105% of the premium paid or
      • As per the policy sum assured.
      • Maturity benefit: Upon the policy's maturity and all premiums are paid. Bharti AXA Life Guaranteed Income Pro will pay the maturity benefit as per below:

      Maturity Benefit = Sum Assured on Maturity + Accrued Guaranteed Additions.

    • Tax benefit: All the premiums towards this plan, can be used as claiming tax benefits as income tax 1961 for the below sections:
      Sections Limits
      Section 80C Up to 1.5 lac
      Section 80D Up to 50 thousand
      Section 1010D Up to 2.5 lac
  2. Income option:

    • Death benefit: Upon the unfortunate demise of the life insured during the policy term, the death benefit will pay among the highest of:

      For single pay:

      • 10 times a single premium.
      • 105% of total premium paid.
      • As per the policy sum assured.

      Limited or regular pay

      • Death Benefit Multiple + times Annualized Premium.
      • 105% of Total Premiums paid.

      As per the policy sum assured

    • Maturity benefit: Upon the policy's maturity, all premiums are paid. Bharti AXA Life Guaranteed Income Pro plan gives two options to receive the payout as below:
      • Short income - In this payout, you'll receive the maturity benefit in the form of income payable for a fixed period of 10, 11 or 12 years upon all due payments are paid.

        The income payout period and premium payment terms would be as follows:

        Short term income
        Premium payment term(years) 10 11 12
        Policy term(years) 11 12 13
        Income payout period(years) 10 11 12
        Income payout Income from 12th year to 21st year in arrears Income from the 13th year to 24th year in arrears Income from the 14th year to 25th year in arrears
        Income payout
        Percentage
        Age band 1
        (less than 46 years)
        AP: 35000 and below 165.80% 173.90% 182.80%
        AP: 35001 and 49,999 171.60% 178.30% 187.80%
        AP: 50,000 and above 188.10%  188.60% 209.30%
        Age band 2
        ( more than 46 years)
        AP: 35000 and below 161.00% 166.50% 175.50% 
        AP: AP: 35001 and 49,999 165.00% 170.70% 181.80%
        AP: 50,000 and above  176.70% 176.10% 197.90%
      • Long-term income - In this payout, you'll receive the maturity benefit in the form of income payable for a fixed period of 25 or 30 years upon all due payments paid.

        The income payout period and premium payment terms would be as follows:

        Long term income
        Premium payment term(years) 5 10 12
        Policy term(years) 6 11 13
        Income payout period(years) 30 25 25
        Income payout Income from 7th year to 36th year in arrears Income from the 12th year to 36th year in arrears Income from the 14th year to 38th year in arrears
        Income payout
        Percentage
        Age band 1
        (less than 46 years)
        AP: 35000 and below 25.70% 64.50% 82.50%
        AP: 35001 and 49,999 27.30% 71.70% 89.50%
        AP: 50,000 and above 32.10% 91.40% 99.40%
        Age band 2
        ( more than 46 years) 
        AP: 35000 and below 24.90% 61.80% 80.00%
        AP: AP: 35001 and 49,999 165.00% 170.70% 181.80%
        AP: 50,000 and above  176.70% 176.10% 197.90%
    • Tax benefit: All the premiums towards this plan, can be used as claiming tax benefits as income tax 1961 for the below sections:
      Sections Limits
      Section 80C Up to 1.5 lac
      Section 80D Up to 50 thousand
      Section 1010D Up to 2.5 lac

Conclusion

Bharti Axa Life Guaranteed Income Pro offers dual benefits- death benefits to your family in case of uncertain demise and regular guaranteed income until the entire policy tenure. This plan helps you receive income, and the lump sum maturity benefit at the end of the policy tenure. If you are still confused about whether the Life Secure Income plan is right, contact us at PolicyX. One of our insurance experts will reach out to you shortly, understand your requirements, and help you choose a plan that best fits your unique needs.

Bharti Axa Life Guaranteed Income Pro: FAQs

1. What is the minimum age to purchase the Bharti AXA Life Guaranteed Income Pro plan?

The minimum age of entry for this plan is 3 months.

2. Does this plan offer regular guaranteed income?

Yes, this plan offers regular guaranteed income.

3. How many plan options are available in Bharti AXA Life Guaranteed income plan?

This plan offers two options: Endowment Option and Income Option.

4. Does this plan policy loan facilities?

No, a policy loan facility is not available for this plan.

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varun saxena

Written By: Varun Saxena

I am a passionate content writer with over three years of experience in the insurance domain. An avid learner, I always tries stays ahead of the industry's trends, ensuring my writing remains fresh and includes the latest insurance shifts. Through my work, I strive to engage with targeted insurance readers.