Bajaj Allianz Life

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Bajaj Allianz Life Smart Protect Goal is an individual life non-linked, non-participating, single/limited/regular premium payment, savings (ROP) and pure risk term (life & health) cover, an all-encompassing term plan is all you need to ensure that your future is secure against the twists and turns of life.

Key Benefits of Bajaj Allianz Life Smart Protect Goal Term Insurance

  • Comprehensive cover:Bajaj Allianz Life Smart Protect Goal offers a complete cover with multiple add-ons and carefully structured variants to meet your unique needs.
  • Competitive premium:Competitive premium with features in keeping with your requirements.
  • Return of premium:Receive the total premiums paid towards the policy at the time of maturity provided, no claim is made
  • Whole life cover:Avail cover till the age of 99 years by paying for a limited term only. Return of Premium option is not available if you opt for a whole life plan.
  • Multiple add-ons:Get multiple add-on covers, like Accidental Death Benefit, Accidental Total Permanent Disability Benefit, Critical Illness cover and Waiver of Premium Benefit, for comprehensive coverage.

Bajaj Allianz Life insurance review

Bajaj Allianz Life
Distribution - Number of branches pan India (March 2019)
604
Entry Age Minimum/Maximum (Years) - Term Plans
18/65
Sum Assured Minimum / Maximum - Term Plans
50 lacs / Unlimited
Policy Term Minimum / Maximum (Years) - Terms Plans
5/67
Solvency Ratio (FY 2018-19) *
8.04
Number of Policies Sold (Ind+Group) *
311,507
Number of Lives Covered (Ind+Group) **
34,353,869
Claims Settlement Ratio (Ind+Group) ***
99.47%
* - As per IRDAI data 2018-19 - The solvency ratio of an insurance company is the size of its capital relative to all the risk it has taken, which is all liabilities subtracted from total assets. In other words, solvency is a measurement of how much the company has in assets versus how much it owes
** - as per L-25 Public Disclosure of Insurance Companies for 2019-20  |  *** - Claims Settlement Ratio = Claims Settled in the year / Claims Reported in the year - as per IRDAI data published

Bajaj Allianz Life Smart Protect Goal has following combinations of variants, maturity benefit option (ROP), whole life option and Add-on cover (s) to choose from:

  • Life cover
  • Child Education extra cover variant
  • Life cover with joint life variant
  • Increasing life cover variant

Increasing life cover

Entry Age Minimum age is 18 years
Maximum age is 65 years
Maximum age at maturity With ROP - 75 years
Without ROP - 85 years
Whole Life - 99 years
Sum Assured Minimum Sum Assured: 50,00,000
Maximum Sum Assured:As per Board Approved Underwriting Guidelines
Eligibility for Add-On Covers (if opted) with this Variant Minimum age at Entry - 18 years, Maximum age at Entry - 65 years

Child Education extra cover variant

Entry Age Minimum age is 18 years
Maximum age is 65 years
Maximum age at maturity 85 years
Sum Assured Minimum Sum Assured: 50,00,000
Maximum Sum Assured:As per Board Approved Underwriting Guidelines
Maximum age at maturity 80 years

Life cover with joint life variant

Entry Age Minimum age is 18 years
Maximum age is 65 years
Maximum age at maturity 85 years
Sum Assured Minimum Sum Assured: 50,00,000
Maximum Sum Assured:As per Board Approved Underwriting Guidelines

Increasing life cover variant

Entry Age Minimum age is 18 years
Maximum age is 65 years
Maximum age at maturity 85 years
Sum Assured Minimum Sum Assured: 50,00,000
Maximum Sum Assured:As per Board Approved Underwriting Guidelines

Variants under Bajaj Allianz Life – Smart Protection Goal (SPG)

Variants /Benefits Death Benefits Accidental Total Permanent Disability Benefit(ATPDB) Critical Illness Benefit(CIB) Accidental Death Benefit(ADB) Waiver of Premium Benefit(WOPB - I) Waiver of Premium Benefit(WOPB - II) Whole Life Return of Premium(ROP)
Life Cover reallola issue 2 v004 dasha exclusive reallola issue 2 v004 dasha exclusive reallola issue 2 v004 dasha exclusive reallola issue 2 v004 dasha exclusive reallola issue 2 v004 dasha exclusive reallola issue 2 v004 dasha exclusive reallola issue 2 v004 dasha exclusive reallola issue 2 v004 dasha exclusive
Life Cover with Child Education Extra Cover reallola issue 2 v004 dasha exclusive reallola issue 2 v004 dasha exclusive reallola issue 2 v004 dasha exclusive reallola issue 2 v004 dasha exclusive reallola issue 2 v004 dasha exclusive reallola issue 2 v004 dasha exclusive reallola issue 2 v004 dasha exclusive reallola issue 2 v004 dasha exclusive
Life Cover with Joint Life reallola issue 2 v004 dasha exclusive reallola issue 2 v004 dasha exclusive reallola issue 2 v004 dasha exclusive reallola issue 2 v004 dasha exclusive reallola issue 2 v004 dasha exclusive reallola issue 2 v004 dasha exclusive reallola issue 2 v004 dasha exclusive reallola issue 2 v004 dasha exclusive
Increasing Life Cover reallola issue 2 v004 dasha exclusive reallola issue 2 v004 dasha exclusive reallola issue 2 v004 dasha exclusive reallola issue 2 v004 dasha exclusive reallola issue 2 v004 dasha exclusive reallola issue 2 v004 dasha exclusive reallola issue 2 v004 dasha exclusive reallola issue 2 v004 dasha exclusive
  • WOPB – II {CI (Incl ATPD)/Death} is applicable on Life Assured and not on the Spouse
  • If Whole Life is opted for, then ROP is not available
  • If CIB is opted for, then ATPDB is not available and vice versa
  • The cover period for CIB / WOPB will always be equal to CIB / WOPB Premium Payment Terms respectively
  • However, the cover period and Premium Payment Term for CIB can be less than or equal to the Variant Premium Payment Term
  • The Policy Term and Premium Payment term of all other Add-on Covers (except CIB and WOPB) can be less than or equal to the Policy Term and Premium Payment Term of the variant respectively.

Reallola Issue 2 V004 Dasha Exclusive !!link!! May 2026

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In the context of digital modeling and photography, "exclusive" content typically refers to imagery that is created specifically for a certain publication or platform. This means the content is not available on social media or other public channels, increasing its value for collectors and enthusiasts of professional photography. These sets often highlight:

As digital magazines and photography platforms continue to evolve, exclusive releases remain a significant part of the visual landscape. They represent a commitment to quality and artistic focus, providing a dedicated space for creative expression in the 2020s. For those interested in the craft, these issues serve as a benchmark for professional digital editorial work.

: These projects are viewed as a partnership between the photographer and the model to convey a specific mood or personality. Technical Elements of Digital Photography

The transition from print to digital-first platforms has enabled creators to reach specific audiences with high-definition content. Digital editorials offer several advantages:

: Arranging images in a specific order (such as a numbered volume) to tell a story or build a specific atmosphere through the progression of the shoot. Conclusion

The appeal of exclusive digital sets often stems from the technical mastery involved. Photographers frequently experiment with:

: Digital formats support ultra-high-definition imagery, allowing viewers to appreciate the technical skill involved in lighting, composition, and post-processing.

Brochure

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Policy wordings

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2028