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

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 benefits along with protection up to 100 years of age. The plan allows you to get income from the end of the 2nd or 4th policy year as per your chosen plan option, which helps you to meet all your financial goals. 
The plan offers you the flexibility to choose from multiple options that cater to your financial needs. 

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

why-choose
  • Guaranteed maturity benefit

  • Choice of 4 plan variants

  • Cash bonuses
  • Waiver of premium

  • Guaranteed income

Eligibility Criteria for Bharti AXA Life Unnati Plan

Your Occupation

Entry age

Minimum- 91 days, Maximum- 60 years

Mukhyamantri Amrutam Yojana

Maturity age

Maximum Maturity Age - 84 years

Your Gender

Policy tenure

Minimum term - 15 years Maximum term - 24 years

Maternity Benefit Rider

Premium payment term

5,7,10,12 years

Dr YSR Aarogyasri Trust

Premium payment frequency

Annual, half-yearly, quarterly & monthly

Maternity Benefit Rider

Sum assured

No limit

How Does the Bharti AXA Life Unnati Plan Work?

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

Why Buy Term Insurance Online?

Problem

Mr. Verma is looking for an investment plan that helps him create a lump sum wealth.

Solution

His financial advisor advised him to buy the Bharti AXA Life Unnati Plan. He visited PolicyX.com

Features of Bharti AXA Life Unnati Plan

Here are some features of Bharti AXA Life Unnati Plan:

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
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Benefits of the Bharti Axa Life Unnati Plan

There are various benefits to buying the Bharti Axa Life Unnati Plan. Let’s understand each of them in detail:

  • Death Benefits In case of the unfortunate demise of the life insured, during the policy term, Bharti AXA Life Unnati Plan pays the death benefit
  • Simple Reversionary BonusA simple reversionary bonus shall accrue at the end of each policy year, starting from the first policy year until the maturity or death.
  • Maturity BenefitIf the policyholder survives until the policy matures and all premiums are paid on time, the benefits outlined below will be paid in a lump sum
  • Cash BonusFor immediate income and whole-life income options, any cash bonus that’s announced will be paid at the end of each policy year according to the provided table until the maturity date.

Documents Required to Buy Bharti Axa Life Unnati Plan

Here is the list of documents required to buy the Bharti Axa Life Unnati Plan:

Photo ID Proof

Photo ID Proof (either of one) - Passport, Aadhaar card, PAN card, Driving license.

How to Buy Bharti AXA Life Unnati Plan?

You can buy the Bharti AXA Life Unnati Plan official website or one of their nearest branch offices.

Life Insurance
  • Step 1

    Visit the official website of PolicyX.com.

  • Step 2

    Hover on the ‘Life Insurance’ tab.

  • Step 3

    Choose the Investment plan you want to buy.

  • Step 4

    Fill out the form at the top of the page with the necessary details.

  • Step 5

    Select your income and city. Click on 'Proceed'.

  • Step 6

    Update your education and occupation details.

  • Step 7

    Choose your preferred plan and click on 'Buy this plan'.

  • Step 8

    Select the policy term, premium period, investment amount, and riders (if required), and then proceed to pay.

Life Insurance
  • Step 1

    Visit the official website of Bharti Axa Life Insurance.

  • Step 2

    Hover over 'Life Insurance Plans' from the top of the menu.

  • Step 3

    Click on the Bharti AXA Life Unnati Plan.

  • Step 4

    Click on ‘Buy Now’ and you will be redirected to a new page.

  • Step 5

    Enter your name and contact information. One of their representatives will reach out to you and discuss the quotes.

  • Step 6

    Once discussed you can make the premium payment and get the policy documents.

Buying from their branch office

You can buy the Bharti AXA Life Unnati Plan offline by visiting one of their nearest branch offices. One of their representatives will help you buy the plan.

Your Occupation

Exclusions of the Bharti AXA Life Unnati Plan

Given below are some exclusions of the Bharti AXA Life Unnati Plan-

  • Suicide within 12 months of the policy purchase is not covered.

  • Consumption of any intoxicants.

  • Death due to any aviation accident.

  • Death due to any adventurous sports.

Plan At a Glance

What’s Good Here What’s Missing
Life Insurance Coverage Whole Life Coverage
Potential Bonuses No High Sum Assured Rebate
Guaranteed Payout Premium Offset
Non-guaranteed Bonuses No Auto Cover Continuance

In a nutshell

Bharti AXA Life Unnati is a savings plan that provides guaranteed income and assured life cover. It’s perfect for those who want to save for retirement or meet short-term financial needs. If you have any questions about this plan, you can contact us at PolicyX.com. Our insurance experts can help you get all the answers you need quickly.

FAQs: Bharti AXA Life Unnati Plan

1. When will I receive a cash bonus?

The accumulated cash bonus will be paid out to you at maturity or death, whichever is earlier.

2. What is the Bharti AXA Life Unnati plan?

It is a two-in-one protection and savings-based life insurance product offering guaranteed and non-guaranteed benefits and protection up to age 100.

3. What is the benefit of the Higher Death Benefit Variant?

With the Higher Death Benefit Variant of the endowment plan option, you can get 15x protection throughout the policy term.

4. What are the plan options in the Bharti AXA Unnati plan?

The plan offers a choice of 4 plan variants that cater to your financial needs: moneyback, immediate income, whole-life income, or endowment option.

5. When will I start receiving guaranteed monthly income?

The plan allows you to receive guaranteed income from 2nd or 4th years onwards.

Life Insurance Companies

Compare and buy the most suitable Life Insurance Plan from the below-mentioned IRDAI-approved Life Insurance companies.

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Reviews and Ratings
Sahil Singh Kathait

Written By: Sahil Singh Kathait

A boy-in-squares bagging escapades of switching streets in groove & sensing musical airy-notes from 6 1". Under wayed nyctophile sketching the walls of life from the panorama of anime.