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• Life Insurance

Life Insurance
Standard Chartered offers you a wide range of Life Insurance Products from Bajaj Allianz Life Insurance Company,
one of India's leading Insurance companies.
At Standard Chartered, you can avail of the services of trained & certified professional consultants from Bajaj Allianz
Insurance company, who can guide you in ascertaining your insurance needs, and assist you in making an insurance
plan that is just right for you.
• Key Plans
• Bajaj Allianz
• Disclaimer
Some of the key Life Insurance plans* available are:
Max Gain: A product that offers the opportunity to get upside benefit of units price with complete downside
protection from the fall in the equity market
○ Guarantee to encash units at maturity at the highest unit price achieved by the fund over the 10 year term of the
policy
○ Guaranteed Addition at maturity : Up to 350% of total allocation charges
○ No surrender charge after 3rd policy year
○ Continuance of life cover even if premiums are not paid in the first 3 years
○ Flexibility to increase / decrease regular premiums to suit changing needs
Invest Plus: A product that offers a guaranteed investment return and an insurance wrap
○ Investment return is declared at the beginning of the year. It will be applicable on the entire policy value and not just
on the premium paid
○ Investment returns once declared are guaranteed
○ The policy value is enhanced by adding Additional Bonus @ 10% on Net Premiums paid after 10th year till policy
term
○ Regular Premium allocation is 95% while top-up premium allocation is up to 121%
○ Refund of upto 100% of the cost of life insurance cover at maturity
Shield Plus: A unit linked single premium endowment plan that offers the dual advantage of Guarantee
Return and Capital Preservation
○ It gives a “Guaranteed” minimum 170% of unit price at maturity
○ Option to choose Life Cover (1.1 or 5 times of the Single Premium )
○ Up to 100% allocation of the Single Premium paid
○ Flexibility to decrease Sum Assured and avail Partial Withdrawals
○ No Surrender Charge from 6th Policy Year onwards
Young Care II & Young Care Plus II: A unit linked regular premium plan specially designed to secure your
child’s future
○ Option to choose from two additional rider benefits.
○ The Product has a WOP feature where in on the death of Life assured, the policy continues with premiums paid into
the policy by the insurance company till the end of term
○ Provides loyalty additions starting from 6th Policy Year to enhance the fund value
○ Sum Assured is paid on Death and WOP is triggered. Nominee receives the fund value at the end of the term
○ In case of financial constraint, there is an option to decrease the premium
New Unit Gain II: New Unit Gain is a regular premium Unit-Linked Endowment Plan
○ Your investment, apart from normal allocation, receives Loyalty Units equivalent to 0.35% p.a. of the regular premium
fund value at the end of each policy year starting from 6th year till maturity provided all due regular premiums have
been paid
○ Choice of 7 investment funds, with complete flexibility to switch money from one fund to the other
○ The policy continues to participate in investment performance of the fund(s) even if one is unable to pay the premium
for 3 full years
○ Flexibility: 1) To increase / decrease regular premium 2) To avail Partial withdrawals at any time after 3 years from
commencement of the policy 3) To avail Unlimited free switches every year under Investor Selectable Portfolio
Strategy
Future Secure II : Enjoy your retirement years with this pension plan
○ This pension plan with 2 options - with a life cover & without a life cover
○ The allocation to funds starts from 80% and keeps reducing depending on the premium size
○ Future Secure has an Unlimited Top-up facility
○ Loyalty Units get infused from Year 6 onwards as a % of fund value
MRTA: Mortgage Reducing Term Insurance Plan : An offering for customers with a home loan or loan against
property
○ The policy is a stand-alone policy and continues even if the loan is foreclosed or transferred .
○ The product provides valuable life cover at an attractive benefit-to-premium ratio
○ The life cover amount paid is Tax–Free.
○ Insurance Premium can be structured as a part of the loan EMI
○ In the event of untimely death of any member, the borrower’s family is relieved from the burden of financial debt.

Allianz AG with over 110 years of experience in over 70 countries and Bajaj Auto, trusted for over 55 years in
the Indian market, together are committed to offering you Insurance solutions that provide all the security
you need for your family and yourself.
Bajaj Allianz Life Insurance offers customized insurance coverage plans. To avail of the same, please contact
your Customer Relationship Manager at your nearest Standard Chartered Bank branch today!
* The Life Insurance products listed above are underwritten by Bajaj Allianz Life Insurance Company Limited. Insurance is
the subject matter of the solicitation. Please read the disclaimer
Life Insurance Disclaimer
Life Insurance Disclaimer Insurance is the subject matter of the solicitation. Bajaj Allianz Life Insurance
Plans for Standard Chartered Bank customers are underwritten by Bajaj Allianz Life Insurance Company
Limited. Claims will be settled by Bajaj Allianz Life Insurance Company Limited as per the terms and
conditions of the policy. This brochure is not a contract of insurance. Please refer policy document for exact
terms and conditions and specific details applicable to this Insurance. Standard Chartered Bank does not
accept any responsibility nor gives any warranty, express or implied, as to the accuracy, reliability and
completeness of any statement made in or the commission of any provisions of the contract of insurance
from this brochure and the bank does not accept any liability for loss or damage of whatsoever nature, which
may be attributable to your application, its receipt, payment of claims under it or the contract of insurance.
Your participation in this insurance product in purely on a voluntary basis. We advise you to take your own
professional advise before participate. This content should be read in conjunction with the Benefit
Illustration and Policy Exclusions. Please ask for the same along with the quotation.
For more information on the choices available
Please Call Us

Did you know?

We offer the range of innovative general Insurance products from Bajaj Allianz Life Insurance Company.
Allianz AG with over 110 years of experience in over 70 countries and Bajaj Auto, trusted for over 55 years in
the Indian market, together are committed to offering you Insurance solutions that provide all the security
you need for your family and yourself.

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