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Flexible Life Plans

They offer different types of life insurance: term, ULIP (unit-linked), money-back, endowment, whole life, etc. Bajaj Life Insurance+2Bajaj Life Insurance+2

Return of Premium Option

In some term plans (eTouch II ROP), if you survive the policy term, you get all or part of your premiums back. Business Standard

Premium Holiday

You can skip premium payments for 1, 2, or 3 years in some plans under the “premium holiday” feature. Business Standard

Riders Available

You can add riders like critical illness, accidental death, or disability to improve your coverage. Bajaj Life Insurance+2Business Standard+2

Tax Benefits

Premiums are eligible for deduction under Section 80C. Death and maturity benefits may be exempt under Section 10(10D) (subject to conditions). Bajaj Life Insurance+1

Quick Claim Settlement

For non-investigation death claims, there is a very fast claim approval process (even 1 working day in some cases). Bajaj Life Insurance

Long-Term Income Options

For savings plans (like ACE), there is flexibility in income start, deferment, and payout duration. mint+1

Whole Life Cover

Some plans cover you for your entire lifetime (up to age 99 or more), ensuring lifelong insurance coverage. Policy Bazaar

Loyalty Additions

In ULIP/savings plans, you may get loyalty additions (bonuses) if you stay in the policy long. Policy Bazaar

Partial Withdrawals

In ULIP-type plans (e.g. Long Life Goal), you can make partial withdrawals (with conditions) after a lock-in period. Bajaj Markets