The launch pad for your child’s bright future
In this Policy, the investment risk in the investment portfolio is borne by
    the Policyholder.




                    ...
Bharti AXA Life Bright Stars Realise your Dreams




•   You can invest in market-linked funds while providing you with al...
How does Bharti AXA Life Bright Stars work?



                Choose your premium and Policy Benefit Period,
            ...
Bharti AXA Life Bright Stars Benefits




Benefits of Bharti AXA Life Bright Stars

1. Life Insurance Benefit:
The Sum Ass...
Life Insurance Benefit

                                                                                With built-in life...
Bharti AXA Life Bright Stars Benefits




5. Choice of Investment Funds:

You have a choice of investing your premiums in ...
7. Top-up Premiums:
    You can invest a bonus received from your employer or profits earned from your business or any oth...
Bharti AXA Life Bright Stars Applicable charges




11. Extended Maturity Benefit with Settlement Option:
You may want to ...
Annual Risk Benefit charges per Rs. 1000 of Sum Assured are as follows:
                                        Risk Benef...
Bharti AXA Life Bright Stars Tax Benefits




The following table shows the benefit of Bharti AXA Life Bright Stars for a
...
SECTION 41 OF INSURANCE ACT 1938
     “No person shall allow or offer to allow, either directly or indirectly, as an induc...
Bharti AXA Life Bright Stars Terms & Conditions




Terms and Conditions

1. If any regular premium due within the first t...
Revision of charges:

     The Company reserves the right to revise the following charges from time to time, subject to th...
Bharti AXA Life Bright Stars Risks of Investment




Risks of investment in unit-linked Policies:

•   Bharti AXA Life Bri...
You would like to live your life and prepare for the future with complete confidence.

        We design solutions, which ...
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Bright Star%20 Bro

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Bright Star%20 Bro

  1. 1. The launch pad for your child’s bright future
  2. 2. In this Policy, the investment risk in the investment portfolio is borne by the Policyholder. As a caring parent, you want only the best for your child. As your child grows, his aspirations will grow too and so will your responsibilities. Whether it’s higher studies abroad, a grand wedding or a comfortable home … you can now ensure that your child is always one step ahead – financially. Bharti AXA Life Bright Stars with Jumpstart Benefit is a unique child plan designed to give your child the right launch pad into a promising future. At maturity, this plan offers an additional lump sum amount to take care of the finances at the key stages of your child’s life. What’s more, the plan also provides you with a life protection cover - so should anything unfortunate happen to you, Bharti AXA Life Bright Stars ensures that your dreams for your child still live on. The plan also offers the flexibility to make modifications, depending on the changing needs of your child. As his dreams grow, the plan will grow too… so financial hurdles will never come in the way of his growing dreams! With Bharti AXA Life Bright Stars, you can fulfil all the dreams you have for your child, and give him what he deserves. A bright future! This is a regular premium unit-linked Insurance Policy, which offers you the twin benefits of protecting your loved ones & creating wealth for them over the desired period. You can plan & invest in a systematic manner through this product for certain important events (financial goals) in your life like your child’s higher education / marriage or buying a house! Bharti AXA Life Bright Stars offers you the twin benefits of protecting your loved ones & creating wealth for them over the desired period. 1
  3. 3. Bharti AXA Life Bright Stars Realise your Dreams • You can invest in market-linked funds while providing you with all-round protection benefit and what’s more, it also provides you with a Jumpstart Benefit at maturity. • You can enhance your protection in this product by adding riders. • You get a smart financial solution through this product. Not only does the Sum Assured gets paid out in case of unfortunate event of death, but Bharti AXA Life will pay all your future premiums to ensure that the ambitions of your loved ones are achieved. • You have the option of investing across 4 funds, depending upon your risk appetite and return expectation and you can make use of the switch facility to change your asset allocation. • Tax benefits for premiums paid and benefits received, as per the prevailing Tax laws. Enjoy the benefits of high returns along with a life cover. Also, receive an additional amount through Jumpstart Benefit at Policy maturity. 2
  4. 4. How does Bharti AXA Life Bright Stars work? Choose your premium and Policy Benefit Period, which decides the Sum Assured Enhance your protection by adding riders Choose from 4 Investment Funds to invest your premiums In case of death, Sum Assured is paid out immediately Bharti AXA Life pays all future premiums into the Policy Fund On maturity, you will get Policy Fund Value + Jumpstart Benefit 3
  5. 5. Bharti AXA Life Bright Stars Benefits Benefits of Bharti AXA Life Bright Stars 1. Life Insurance Benefit: The Sum Assured under the Policy is based on the Policy benefit period chosen by you. Policy Benefit Period Sum Assured 7 years 5 times Annualised Regular Premium 10 years 5 times Annualised Regular Premium 15 years 8 times Annualised Regular Premium 17 years 10 times Annualised Regular Premium 20 years 10 times Annualised Regular Premium In the unfortunate event of death of the Life insured during the Policy benefit period, the following benefits are available: • Payment of Sum Assured immediately • All the future premiums payable till maturity are waived off and Bharti AXA Life will pay all those premiums into the investment funds • The Policy continues until maturity with the nominee having the right to exercise all the applicable benefits under the Policy 2. Maturity Benefit: On maturity of the Policy, you or your nominee will get the Policy Fund Value PLUS Jumpstart Benefit. The Jumpstart Benefit gives you financial freedom, so your child is not constrained when it comes to taking advantage of various career opportunities. 4
  6. 6. Life Insurance Benefit With built-in life insurance plus critical illness cover (optional), it provides complete, all-round protection for your child. 3. Special Addition with “Jumpstart Benefit”: On maturity of the Policy, in addition to the Policy Fund Value, you get a Jumpstart Benefit equal to 5% of the average of the Policy Fund Values as on the end of each of the preceding 36 Policy months. Since this benefit is paid out in addition to your Policy Fund Value, it provides your financial goals a “jumpstart”. For instance, if the Policy is taken with the intention of securing your child’s future, then it can be used to jumpstart your child’s future by having access to more career options. 4. Critical Illness Benefit Rider: In addition to your life insurance benefit, you can also enhance your protection by adding Critical Illness Benefit Rider by paying a nominal amount. This rider will pay the chosen Rider Sum Assured in case you are diagnosed with any of the below mentioned critical illnesses and subject to the terms and conditions contained in the Critical Illness Benefit Rider – Policy Bond: • Cancer • Coronary Artery Bypass Surgery • Heart Attack • Kidney Failure • Major Organ Transplant • Stroke You can use this Rider Sum Assured to meet various expenses that are generally incurred in treatment of critical illnesses like hospitalisation expenses, surgery, cost of medicines, diagnosis, possible loss of pay etc. Please ask your advisor to show you the separate rider brochure for details of applicable terms and conditions of this rider. 5
  7. 7. Bharti AXA Life Bright Stars Benefits 5. Choice of Investment Funds: You have a choice of investing your premiums in any or all of the four investment funds, as per your financial objective. Investment Objective Asset Allocation Risk-Return Fund Potential Growth To provide long term capital Listed Equities: 80% - 100%, High Opportunities appreciation through Cash & Money Market Fund investing in stocks across all Instruments: 0% - 40% market capitalisation ranges (Large, Mid or Small). Grow Money To provide long term capital Listed Equities: 80% - 100%, High Fund appreciation through Cash & Money Market investing across a diversified Instruments: 0% - 40% high quality equity portfolio. Save‘n’grow To provide steady Listed Equities: 0% - 60%, Moderate Money Fund accumulation of income in Corporate bonds: 0% - 50%, medium to long term by Government bonds and investing in high quality debt securities: 0% - 40%, papers and government Cash & Money Market securities and a limited Instruments: 0% - 40% opportunity of capital appreciation. This would be more of a defensively managed fund. Steady Money To provide steady Corporate bonds: 20% - 80%, Low Fund accumulation of income in Government bonds and medium to long term by securities: 20% - 80%, investing in high quality Cash & Money Market debt papers and Instruments: 0% - 40% government securities. 6. Manage your investments with Switch and Premium Redirection facility: Through the feature of switches & premium redirection you can manage your asset allocation between equity & debt depending on your needs. For example you may wish to move your money to a low-risk investment fund option before maturity of the Policy to protect against adverse movements in equity markets. You can switch four times in a Policy year free of charge, beyond which a charge of Rs. 100 per switch is levied. The minimum value of a switch should be Rs. 2,500. You can also redirect your future premiums after first Policy year into different funds with Premium Redirection facility. This facility can be availed of any number of times free of charge. The minimum allocation in any chosen investment fund should be 5%. 6
  8. 8. 7. Top-up Premiums: You can invest a bonus received from your employer or profits earned from your business or any other surplus in your existing investments to achieve your financial goals faster. With the top-up option, you can boost your contribution any time after the first Policy year. The minimum amount of a single top-up is Rs. 2,500. The total amount of top-up in a Policy year cannot be more than 25% of total regular premiums paid till that date. Top-up premium has no effect on your Sum Assured. 8. Liquidity Benefit with Partial Withdrawal: We all need money during our lifetime to fulfil certain goals. From time to time, you may need money to pay for your child’s education, going on a long vacation, pay off an existing loan etc. You can withdraw money from your Policy Fund Value any time after completion of three Policy years. Each partial withdrawal should be a minimum of Rs. 5,000 and after withdrawal the Policy Fund Value should not be less than 120% of the Annualised Regular Premium. Four partial withdrawals are free of charge in a Policy year and each subsequent partial withdrawal will be subject to a charge of Rs. 100. 9. Decrease in Premium: While we recommend that you pay the agreed amount of annual premium for the entire term of the Policy, we also understand that sometimes you may face financial constraints which might make it difficult for you to pay the agreed premium throughout the term. Therefore, in this product, we allow you to decrease the premium amount any time after completion of two Policy years. Decrease in premium will decrease your Sum Assured in the same proportion. Annualised Regular Premium can be reduced subject to the following condition: During 3rd policy year, the Annualised Regular Premium can be reduced such that the revised premium is at least Higher of • 75% of first year Annualised Regular Premium • Minimum Annualized Regular Premium From 4th policy year onwards, the Annualised Regular Premium can be reduced to the minimum Annualised Regular Premium. 10. Cover Continuance Option: While we recommend that all your regular premiums be paid on the respective due dates, we also understand that due to sudden changes in lifestyle like increased responsibilities or unexpected increase in household expenses may affect your future ability to pay premiums. Now you need not worry if you are unable to pay premiums into your Policy. The cover continuance option entitles you to continue your Policy with all benefits if you are unable to pay premiums (as per the table below). Once you have opted for this option, you cannot pay any further premiums or top-ups under the Policy. Policy Benefit Period 7 years 10 years 15 years 17 years 20 years Cover continuance 3 annualised 3 annualised 5 annualised 5 annualised 5 annualised available after regular regular regular regular regular payment of premiums premiums premiums premiums premiums 7
  9. 9. Bharti AXA Life Bright Stars Applicable charges 11. Extended Maturity Benefit with Settlement Option: You may want to take advantage of Bharti AXA Life’s fund management expertise A flexible plan that even after maturity of your Policy. You can avail any of the following options at adapts to the changing maturity: needs of your child I. Take entire maturity proceeds (Policy Fund Value + Jumpstart Benefit) as lump over time. sum payment on maturity; or II. Take the maturity proceeds (Policy Fund Value + Jumpstart Benefit) at regular intervals in instalments over 5 years after the maturity date (extended maturity period). The value payable at such intervals will be calculated at the unit price as on the relevant date III. A combination of the above mentioned two options At any time during the extended maturity period, you have an option to withdraw the balance available Policy Fund Value as on that date. However, you will not be entitled to life insurance benefit or partial withdrawals / switches between investment funds or top-ups during this period. Please note that during the extended maturity period, the investment risk in the investment portfolio continues to be borne by the Policyholder. What are the applicable charges in this product? 1. Premium Allocation Charge: This charge is levied at the time of premium allocation and depends on the premium amount, Policy benefit period and the Policy year. Premium Band 1 = Annualised Regular Premium between Rs. 15,000 and Rs. 99,999. Premium Band 2 = Annualised Regular Premium of Rs. 1,00,000 & above. Premium Allocation Charges Policy Premium Policy Benefit Period Year Band 7 years 10 years 15 years 17 years 20 years 1 35% 35% 38% 40% 45% 1 2 32% 32% 32% 34% 39% 2 1&2 10% 15% 25% 25% 25% 3 1&2 8% 8% 8% 8% 8% 4&5 1&2 2% 2% 2% 2% 2% 6 onwards 1&2 0% 0% 0% 0% 0% Top-up premiums are subject to an allocation charge of 1.5% for both Premium Bands. 2. Risk Benefit Charge: This charge is applied on the Sum Assured and is deducted proportionately on a monthly basis by cancellation of units from the Policy Fund Value. The risk benefit charge will depend on your age at entry and Policy benefit period chosen, and this charge will remain the same throughout the Policy benefit period. 8
  10. 10. Annual Risk Benefit charges per Rs. 1000 of Sum Assured are as follows: Risk Benefit Charge for a 30-year-old Policy Benefit Period Age 7 years 10 years 15 years 17 years 20 years Male Rs. 2.98 Rs. 3.17 Rs. 3.53 Rs. 3.68 Rs. 3.91 Female Rs. 2.81 Rs. 2.91 Rs. 3.15 Rs. 3.25 Rs. 3.41 3. Policy Administration Charge: This charge is deducted by cancellation of units from the Policy Fund Value on a monthly basis. The charge is Rs. 65 per month for annual & semi-annual mode of premium payment and Rs. 80 per month for monthly mode of premium payment. 4. Fund Management Charge: This is a charge that is levied on each of the Investment Funds and is adjusted in the unit price calculation on a daily basis. The charges for the funds are as follows: Fund Name Growth Opportunities Grow Money Save‘n’grow Steady Money Fund Fund Money Fund Fund Fund Management 1.75% p.a. 1.50% p.a. 1.25% p.a. 1.00% p.a. Charge 5. Surrender Charges: The Surrender Charge is applied if and when you surrender your Policy in the first 5 Policy years. The surrender value that you will receive will be the Policy Fund Value less this charge. The surrender charges are applicable on the Policy Fund Value and are as follows: Year in which Policy Policy Benefit Period is surrendered 7 years 10 years 15 years 17 years 20 years Year 1 65% 65% 90% 90% 90% Year 2 40% 40% 75% 75% 75% Year 3 20% 20% 50% 50% 50% Year 4 0% 0% 15% 15% 15% Year 5 0% 0% 3% 3% 3% Year 6 onwards 0% 0% 0% 0% 0% If the Policy is surrendered within the first three Policy years then the surrender value as on the date of intimation of surrender will be paid only after the completion of three Policy years. Service Tax: Service Tax & cess are applicable on all charges as per the prevailing rates. Policy at a glance: Parameter Eligibility Minimum age at entry 18 years Maximum age at entry 70 years MINUS Policy Benefit Period chosen E.g.: For Policy benefit period of 17 years, the maximum age at entry is 53 years Maximum age at maturity 70 years Minimum premium Rs. 15,000 p.a. for annual & semi-annual modes Rs. 18,000 p.a. for monthly mode Premium Modes Annual, Semi-annual and Monthly* Policy benefit periods available 7 years, 10 years, 15 years, 17 years & 20 years Minimum top-up premium Rs. 2,500 * Through ECS only 9
  11. 11. Bharti AXA Life Bright Stars Tax Benefits The following table shows the benefit of Bharti AXA Life Bright Stars for a 30-year-old Male paying a premium of Rs. 36,000 per annum under annual mode. Get tax benefits under section 80C & section 10 years 15 years 20 years 10 (10D) Policy Benefit Period 6% 10% 6% 10% 6% 10% Sum Assured (Rs.) 1,80,000 2,88,000 3,60,000 Policy Fund Value at Maturity (Rs.) 4,01,344 4,97,184 6,71,713 9,30,931 10,02,489 15,69,610 Jumpstart Benefit (Rs.) 17,247 20,592 30,002 39,976 45,595 68,498 Total Maturity Benefit (Rs.) 4,18,591 5,17,775 7,01,715 9,70,907 10,48,085 16,38,108 Death Benefit (Rs.) 5,98,591 6,97,775 9,89,715 12,58,907 14,08,085 19,98,108 6% and 10% are assumed gross investment rates per annum on Grow Money Fund. What are the tax benefits under this product? You can avail of the tax benefits on the premiums paid and the benefits received as per the prevailing tax laws under Section 80C and Section 10 (10D) of the Income Tax Act, 1961. The tax benefits are subject to change as per change in Tax laws from time to time. 10
  12. 12. SECTION 41 OF INSURANCE ACT 1938 “No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the Policy nor shall any person taking out or renewing or continuing a Policy accept any rebate except such rebate as may be allowed in accordance with the published prospectus or tables of the Insurer.” SECTION 45 OF INSURANCE ACT 1938 “No Policy of life insurance shall after the expiry of two years from the date on which it was effected, be called in question by an insurer on the ground that statement made in the proposal for insurance or in any report of a medical officer, or referee, or friend of the insured, or in any other document leading to the issue of the Policy, was inaccurate or false, unless the insurer shows that such statement was on a material matter or suppressed facts which it was material to disclose and that it was fraudulently made by the Policyholder and that the Policyholder knew at the time of making it that the statement was false or that it suppressed facts which it was material to disclose. Provided that nothing in this section shall prevent the insurer from calling for proof of age at any time if he is entitled to do so, and no Policy shall be deemed to be called in question merely because the terms of the Policy are adjusted on subsequent proof that the age of the Life insured was incorrectly stated in the proposal.” 11
  13. 13. Bharti AXA Life Bright Stars Terms & Conditions Terms and Conditions 1. If any regular premium due within the first three the Policy (provided that the nominee gives years of the Policy remains unpaid even after the an undertaking-cum-indemnity bond) and grace period of 30 days, the Policy lapses and all nominee is entitled to all the applicable the benefits under the Policy cease to exist. You benefits under the Policy, viz. partial can however, revive the Policy by paying all the withdrawals, switches, surrender, premium unpaid premiums within a period of two years redirection & extended maturity benefit. from the due date of the last unpaid premium. Top-ups & change in annualised regular If the Policy is not reinstated during the premium is not allowed. Also, nomination is Reinstatement Period, the Policy will stand mandatory where the Life insured & terminated and the Policy Fund Value as at the Policyholder are same. expiry of Reinstatement Period net of Surrender b. Where the Life insured and Policyholder are Charge as on the lapse date shall be payable at different, the Policy will continue till maturity the completion of the third Policy year or at the of the Policy and the Policyholder is entitled end of the Reinstatement Period, whichever to all the benefits available under the Policy. is later. 5. Top-up benefit is not available after the death of 2. If the due premiums have been paid for at least the Life insured. three consecutive Policy years from the Policy 6. Free-look option: If you disagree with any of the Date and subsequent premiums are unpaid, you terms and conditions of the Policy, you have the may reinstate the Policy within two years from the option to return the original Policy Bond along date of first unpaid premium by resuming with a letter stating reasons for the objection premium payment by paying all the unpaid within 15 days of receipt of the Policy Bond (“the premiums and the appropriate Premium Allocation free-look period”). The Policy will accordingly be Charge shall be deducted from the above cancelled and an amount equal to the sum mentioned payment. During the period allowed for of (Premium Allocation Charge, Policy reinstatement, the Policy shall continue to be in Administration Charge, Risk Benefit Charge, effect by levying applicable Policy Charges. At the deducted from the Policy Fund Value) and (the end of the allowed period for reinstatement, if you Policy Fund Value less stamp duty and have not opted for cover continuance option, only underwriting expenses incurred by the the Policy Fund Value, after deducting applicable Company), will be refunded to the Policyholder. surrender charges will be paid and the Policy will terminate. In an event of death during the 7. If the Life insured under the Policy, whether Reinstatement Period, the death benefit shall be medically sane or insane, commits suicide, paid out. within one year of the Issue Date or the date of reinstatement of the Policy, the Policy shall be 3. At any time during the Policy benefit period, after void and the Company will only be liable to pay completion of 3 Policy years, if the Policy Fund the Policy Fund Value as on the date of intimation Value falls below 120% of the Annualised Regular of death and all the benefits under the Policy Premium, then the Policy will be terminated & the shall cease to exist including future payment of surrender value will be paid out. premiums by the Company. 4. In case of death of the Life insured during the 8. This is a non-participating Unit Linked Insurance Policy benefit period Policy. a. Where the Life insured and Policyholder are same, the Policy will continue till maturity of 12
  14. 14. Revision of charges: The Company reserves the right to revise the following charges from time to time, subject to the following maximum limits, with prior approval from the Insurance Regulatory and Development Authority (IRDA): Fund Management Charge: Growth Opportunities Fund – 2.50% p.a. of the net assets, Grow Money Fund – 2.50% p.a. of the net assets, Save‘n’grow Money Fund – 2.00% p.a. of the net assets and Steady Money Fund – 1.75% p.a. of the net assets. Policy Administration Charge: Not exceeding (in any Policy year) an amount equal to compounded value of current charge, at the rate of 5% since August 2008. Partial Withdrawal Charge: Rs. 300 per partial withdrawal. Switching Charge: Rs. 300 per switch. The Company also has the right to revise the asset allocation of any investment fund(s) with prior approval from IRDA. Computation of Unit Price The unit pricing shall be computed based on whether the Company is purchasing (appropriation price) or selling (expropriation price) the assets in order to meet the day to day transactions of unit allocations and unit redemptions i.e. the life insurer shall be required to sell / purchase the assets if unit redemptions / allocations exceed unit allocations/redemptions at the valuation date. The appropriation price shall apply in a situation when the Company is required to purchase the assets to allocate the units at the valuation date. This shall be the amount of money that the Company should put into the fund in respect of each unit it allocates in order to preserve the interests of the existing Policyholders. The unit price will be computed as follows: Market value of investment held by the fund plus the expenses incurred in the purchase of the assets plus the value of any current assets plus any accrued income net of fund management charges less the value of any current liabilities less provisions, if any. This gives the net asset value of the fund. Dividing by the number of units existing at the valuation date (before any new units are allocated), gives the unit price of the fund under consideration. The expropriation price shall apply in a situation when the Company is required to sell assets to redeem the units at the valuation date. This shall be the amount of money that the Company should take out of the fund in respect of each unit it cancels in order to preserve the interests of the continuing Policyholders. The unit price will be computed as follows: Market value of investment held by the fund less the expenses incurred in the sale of the assets plus the value of any current assets plus any accrued income net of fund management charges less the value of any current liabilities less provisions, if any. This gives the net asset value of the fund. Dividing by the number of units existing at the valuation date (before any units are redeemed), gives the unit price of the fund under consideration. 13
  15. 15. Bharti AXA Life Bright Stars Risks of Investment Risks of investment in unit-linked Policies: • Bharti AXA Life Bright Stars is a unit-linked insurance Policy and is different from traditional insurance Policies. • The premium in unit-linked insurance Policy are subject to investment risk associated with capital market and the NAV of the units may go up or down based on the performance of the investment funds and the factors influencing the capital markets and the insured is responsible for his / her decisions. • Bharti AXA Life Insurance Company Ltd. is only the name of the insurance company and Bharti AXA Life Bright Stars is only the name of the unit-linked insurance Policy and does not in any way represent or indicate the quality of the Policy, its future prospects and performance or the returns. • Bharti AXA Life Bright Stars does not provide for participation in the distribution of surplus or profits that may be declared by the Company. • Growth Opportunities Fund, Grow Money Fund, Steady Money Fund and Save‘n’grow Money Fund are the names of the Investment Funds and do not in any manner indicate the quality of the Investment Funds, their future prospects or returns. Disclaimers • This product brochure is indicative of terms, conditions, warranties and exceptions contained in the Insurance Policy Bond. In the event of conflict, if any, between the terms and conditions contained in this brochure and those contained in the Policy Bond, the terms and conditions contained in the Policy Bond shall prevail. • Insurance is the subject matter of the solicitation. • Bharti AXA Life Insurance Company Limited, 61/62, Kalpataru Synergy, Opposite Grand Hyatt, Vakola, Santacruz (East), Mumbai 400 055. • UIN: 130L016V01 • UIN for Critical Illness Benefit Rider: 130C001V01 14
  16. 16. You would like to live your life and prepare for the future with complete confidence. We design solutions, which will protect you and your family and help you realise your dreams. At Bharti AXA Life Insurance, this is what we mean by Financial Protection. For further details call: Customer Care Nos. - Toll free Nos.: 1800 425 1350 (MTNL, BSNL users) or 1800 102 4444 (Airtel, TATA, BPL, Spice Telecom - Punjab & Shyam Tel users) Alternate Nos.: 020 40182300/020 26141350 OR SMS BALIFE to 56677 Log on to: www.bharti–axalife.com Insurance is the subject matter of the solicitation. Bharti AXA Life Insurance Company Limited An ISO 9001:2000 Certified Company Registered Office: 6th floor, Unit - 601 & 602, Raheja Titanium, Off Western Express Highway, Goregaon (East), Mumbai - 400 063. www.bharti-axalife.com Registration No.: 130. Advt. No.: PB 01 April 09. UIN 130L002V01.

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