Onsale Plans

Smart Protect Goal Term Plan A Overview

Our future plans and financial goals demand protection from twists and turns of life. A comprehensive term plan with competitive premium can be a perfect shield against financial stress caused by any life event.

Bajaj Allianz Life Smart Protect Goal is a complete term plan that is easy on your pocket and yet provides you an all-encompassing life cover. It not only offers you the option to get back the entire premium at the time of maturity but also protects you against financial loss from several critical illnesses. Multiple variants of the plan are designed to offer a customized solution to suit your unique needs. All in all, Bajaj Allianz Life Smart Protect Goal is a complete term plan with new-age features in line with your evolving needs.

Covers 55 critical illnesses:

Acquire protection from several minor and major critical illnesses

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.

Comprehensive 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 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-ons covers, like Accidental Death Benefit, Accidental Total Permanent Disability Benefit, Critical Illness cover and Waiver of Premium Benefit, for comprehensive coverage.

Entry Age

Minimum age is 18 years
Maximum age is 65 years
For POS Channel: The maximum Age at Entry for without ROP is 60 years and with ROP is 55 years

Maturity Age

Maximum age at maturity
With ROP - 75 years
Without ROP - 85 years
Whole Life - 99 years

For POS Channel - Maximum age at maturity will be 65 years as per prevailing POS guidelines

Sum Assured

Minimum Sum Assured
`50,00,000

Maximum Sum Assured
As per Board Approved Underwriting Guidelines
For POS channel - the Sum Assured shall be in multiple of Rs. 50,000

Policy Term (PT) & Premium Payment Term (PPT)



For POS Channel: Whole life cover will not be available & Maximum Policy Term will be 65 minus Age at Entry

Eligibility for Add-On Covers (if opted) with this Variant:

Minimum age at Entry
18 years
Maximum age at Entry
65 years

Sum Assured for ADB / ATPDB

[/B]Minimum Sum Assured[/B]
`5,00,000

Maximum Sum Assured
`2,00,00,000

Sum Assured for CIB

Minimum Sum Assured
`5,00,000
Maximum Sum Assured
`1,00,00,000

Maturity Age for Add-On Covers (if opted) with this Variant

Maximum age at Maturity

With ROP - 75 years
Without ROP & Whole Life - 80 years

Add-on cover





For Limited Premium Payment & for Add-on Cover(s) opted, the PPTs available are 5, 10, 15, 20, 25, 30 years; subject to maximum PPT cessation age of 75 years. For Limited Premium with ROP option, the minimum difference between PT and PPT should be 5 years