{"uin":"116N188V09","name":"Bajaj Life Assured Wealth Goal Platinum","url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v09","insurer":{"slug":"bajaj-life-insurance","name":"Bajaj Life Insurance Limited","url":"https://indiainsurances.com/insurer/bajaj-life-insurance"},"line":"life","category":"savings-life","category_name":"Endowment and savings plans","irdai_type":"Product","kind":"product","status":"active","approved_on":"2023-12-21","withdrawn_on":null,"summary":"Bajaj Life Assured Wealth Goal Platinum is a non-linked, non-participating individual life insurance savings plan with Smart Income and Regular Income options. It provides death benefit during the policy term and maturity payouts during the income period, with no risk cover during the income period.","analysis":{"state":"machine","analysed_at":"2026-10-19 20:17:41.408289+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Product Option 1 – Smart Income","Product Option 2 – Regular Income"],"display":"Product Option 1 – Smart Income; Product Option 2 – Regular Income","note":null,"quote":"The Options available under the Product are:\ni) Product Option 1 – Smart Income,\nii) Product Option 2 – Regular Income.","sources":[{"clause":"2","heading":"Policy Description","page":9,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v09/document/4035#c-2"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Smart Income: regular pay policy term is equal to PPT, and limited pay policy terms are 10 / 15 / 20 years. Regular Income: policy term is 5 to 17 years.","display":"Smart Income: regular pay equal to PPT; limited pay 10 / 15 / 20 years. Regular Income: 5 to 17 years.","note":"From the sales brochure.","quote":"Policy Term (PT) (in years) | Regular Pay | Equal to PPT | 5 to 17\nLimited Pay | 10 / 15 / 20","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v09/document/3464#c-s1"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For death claims, written notice is required as soon as possible and preferably within 180 days of the death of the Life Assured.","display":"Written notice as soon as possible, preferably within 180 days of death.","note":null,"quote":"For deaths due to unnatural causes: ... Written notice as soon as possible and in any event preferably within 180 days of the death of the Life Assured, and the circumstances resulting to the death of the Life Assured. ... For deaths due to natural causes: ... Written notice as soon as possible and in any event preferably within 180 days of the death of the Life Assured, and the circumstances resulting to the death of the Life Assured.","sources":[{"clause":"22","heading":"Payment of Claim","page":17,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v09/document/4035#c-22"},{"clause":"22(a)(i)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v09/document/4035#c-22-a-i"},{"clause":"22(a)(iv)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v09/document/4035#c-22-a-iv"},{"clause":"22(b)(i)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v09/document/4035#c-22-b-i"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Written notice","The Claimant’s proof of entitlement to receive payment under the Policy.","Original Policy Document.","Original death certificate of the Life Assured issued by a competent authority.","Claimant statement /claim intimation letter","Bank account proof of Nominee","Medical cause of death certificate","A copy of First Information Report (FIR) and Post Mortem Report (PMR)","Notarized Indemnity bond","NOC by all class one legal heirs","Any other document as asked for by the Company"],"display":"Death claim documents include written notice, proof of entitlement, original policy, death certificate, claim statement/intimation, nominee bank proof, and additional medical/FIR/PMR or legal-heir documents where applicable.","note":"FIR, PMR and medical cause of death certificate are stated for deaths due to unnatural causes; PMR is mandatory for claiming death benefit due to an accident.","quote":"The Company shall be under no obligation to make any payment under Section 4 above w.r.t Death Benefit unless and until the Company has received from the Claimant (at no expense to the Company) any information and documentation it requests, including but not limited to: ... The Claimant’s proof of entitlement to receive payment under the Policy. ... Original Policy Document. ... Original death certificate of the Life Assured issued by a competent authority.\nv) Claimant | statement | /claim\nintimation letter\nvi) Bank account proof of Nominee\nvii) Medical cause of death certificate from the doctor who last attended to the Life Assured, or from the hospital in which the death occurred.\nviii) A copy of First Information Report (FIR) and Post Mortem Report (PMR). Post Mortem Report is mandatory for claiming the Death Benefit due to an Accident under the Policy. ... vii) Any other document as asked for by the Company depending on the facts and circumstances of each case.","sources":[{"clause":"22","heading":"Payment of Claim","page":17,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v09/document/4035#c-22"},{"clause":"22(a)(ii)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v09/document/4035#c-22-a-ii"},{"clause":"22(a)(iii)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v09/document/4035#c-22-a-iii"},{"clause":"22(a)(iv)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v09/document/4035#c-22-a-iv"},{"clause":"22(b)(iv)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v09/document/4035#c-22-b-iv"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":"The CIS gives links for claims settlement TAT but does not print a settlement time in the provided clauses.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["death of Life Assured due to suicide within twelve (12) months from the Date of Commencement of Risk or the date of latest revival of the Policy, whichever is later"],"display":"Suicide within twelve (12) months from risk commencement or latest revival; no other death exclusions.","note":null,"quote":"In case of death of Life Assured due to suicide within twelve (12) months from the Date of Commencement of Risk or the date of latest revival of the Policy, whichever is later, then, the Claimant shall be entitled to receive the higher of 80% of the Total Premiums paid till the date of death of the Life Assured or the Surrender Value, available as on the date of death, provided the Policy is in-force plus AGP (if applicable); and the Policy will be terminated. There are no other exclusions applicable with respect to death other than the suicide clause.","sources":[{"clause":"12","heading":"Suicide Exclusion","page":14,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v09/document/4035#c-12"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact the Grievance Officer of any nearest Customer Care Center at the Company's branch office or the Customer Care Desk. If not satisfied or no response is received within fourteen (14) days, contact the Grievance Redressal Officer at gro@bajajlife.com before escalating further.","display":"First contact the branch Customer Care Center Grievance Officer or Customer Care Desk; if unresolved or no response within 14 days, contact the Grievance Redressal Officer at gro@bajajlife.com.","note":null,"quote":"In case You have any query or complaint/ grievance, You may contact the Grievance Officer of any nearest Customer Care Center at Branch Office of the Company. Alternatively, You may communicate with the Company:\nBy post at: Customer Care Desk, Bajaj Life Insurance Limited., Bajaj Insurance House, Airport Road, Yerawada, Pune - 411006 By Phone at: 020- 6712 1212 By Email: customercare@bajajlife.com In case You are not satisfied with the resolution provided to You by the above office, or have not received any response within fourteen (14) days, or You have any suggestion in respect of this Policy or on the functioning of the office, You may contact the following official for resolution:\nGrievance Redressal Officer, Bajaj Life Insurance Limited. Bajaj Insurance House, Airport Road Yerawada, Pune, District – Pune, Maharashtra\n-411006 Customer Care No: 020-6712 1212 Email ID: gro@bajajlife.com","sources":[{"clause":"25","heading":"Grievance Redressal","page":18,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v09/document/4035#c-25"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_assured","label":"Sum assured","section":"Cover","meaning":"The minimum and maximum life cover, or the rule that sets it (for example 10 times the annual premium).","status":"quote-verified","value":"Sum Assured on Death is the Sum Assured. The brochure states that Sum Assured on Death is equal to Sum Assured, i.e. SA Multiple × Annualized Premium.","display":"Sum Assured on Death = Sum Assured = SA Multiple X Annualized Premium.","note":"The brochure says: \"For details on Sum Assured Multiple, kindly visit the company website.\"","quote":"ggg. “Sum Assured” is the amount as specified in the Schedule used to decide the Death Benefit under the Policy. hhh. “Sum Assured on Death” is Sum Assured. ... Sum Assured on Death is equal to Sum Assured i.e. SA Multiple X Annualized Premium.","sources":[{"clause":"1(ii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v09/document/4035#c-1-ii"},{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v09/document/3464#c-s1"}],"law":[]},{"key":"death_benefit","label":"Death benefit","section":"Cover","meaning":"What your family gets if you die during the term, and how it is calculated.","status":"quote-verified","value":"For Smart Income, death during the policy term pays Sum Assured on Death plus AGP, if any, as a lump sum, and the death benefit minus AGP will not be less than the Guaranteed Death Benefit or Surrender Value, whichever is higher. For Regular Income, death during the policy term pays Sum Assured on Death as a lump sum, and will not be less than the Guaranteed Death Benefit or Surrender Value, whichever is higher; death after the policy term during the income period continues the maturity benefits.","display":"Smart Income: Sum Assured on Death plus AGP, if any. Regular Income: Sum Assured on Death. In both, death during policy term is lump sum and not below Guaranteed Death Benefit or Surrender Value; after policy term, maturity benefits continue.","note":null,"quote":"1 - Smart In-come | Death Benefit | If the Policy is in-force as on the date of death and all due Regular Premiums are paid up to date, and provided the Policy has not been terminated as per Section 16 below, i) Death During Policy Term: (1) The Death Benefit payable is the Sum Assured on Death plus AGP, if any (2) At no time, the Death Benefit minus AGP will be less than the Guaranteed Death Benefit or the Surrender Value, whichever is higher (3) The Death Benefit will be paid-out as a lump-sum ... ii) Death after Policy Term (during the Income Period): Maturity Beneftis will continue to be paid. ... 2 – Regular In-come | Death Benefit | If the Policy is in-force as on the date of death and all due Regular Premiums are paid up to date, and provided the Policy has not been terminated as per Section 16 below, i) Death During Policy Term: ii) The Death Benefit payable is the Sum Assured on Death iii) At no time, the Death Benefit will be less than the Guaranteed Death Benefit or the Surrender Value, whichever is higher iv) The Death Benefit will be paid-out as a lumpsum ... vi) Death after Policy Term (during the Income Period): The Maturity Benefits will continue to be paid.","sources":[{"clause":"4(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v09/document/4035#c-4-a"}],"law":[]},{"key":"maturity_benefit","label":"Maturity benefit","section":"Cover","meaning":"What you get if you survive to the end of the term.","status":"quote-verified","value":"For Smart Income, maturity benefit is the series of RGPs and Enhanced ROP plus AGP, if any, with RGPs during the income period, Enhanced ROP at the end of the income period, and AGP, if any, at the end of the policy term. For Regular Income, maturity benefit is the series of RGPs and Enhanced ROP, if applicable, during and at the end of the income period.","display":"Smart Income: RGPs and Enhanced ROP plus AGP, if any. Regular Income: RGPs and Enhanced ROP, if applicable.","note":"The policy states there is no risk cover during the income period.","quote":"Maturity Benefti | If all due Regular Premiums are paid up to the Maturity Date, provided the Policy has not terminated as per Section 16 below, the Maturity Benefit shall be the series of RGPs and Enhanced ROP plus AGP, if any. i) The RGPs shall be payable during the Income Period. ... iv) The Enhanced ROP will be paid at the end of the Income Period. v) AGP, if any, will be paid at the end of the Policy Term. ... Maturity Benefit | If all due Regular Premiums are paid up to the Maturity Date, provided the Policy has not terminated as per Section 16 below, the Maturity Benefit shall be series of RGPs and Enhanced ROP (if applicable). i) The RGPs shall be payable during the Income Period. ... iii) The Enhanced ROP, if applicable, will be paid at the end of the Income Period.","sources":[{"clause":"4(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v09/document/4035#c-4-a"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"Smart Income PPT options are 5 / 6 / 7 / 8 / 10 / 12 / 15 years. Regular Income PPT options are 5 / 6 / 7 / 8 / 10 / 12 years.","display":"Smart Income: 5 / 6 / 7 / 8 / 10 / 12 / 15 years. Regular Income: 5 / 6 / 7 / 8 / 10 / 12 years.","note":"From the sales brochure.","quote":"Premium Payment Term (PPT) (in | 5 / 6 / 7 / 8 / 10 / 12 / 15 | 5 / 6 / 7 / 8 / 10 / 12\nyears)","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v09/document/3464#c-s1"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"Maximum age at maturity is 75 years for Smart Income and 77 years for Regular Income. For POS channel policies, maximum maturity age is 65 years.","display":"75 years for Smart Income; 77 years for Regular Income; 65 years for POS channel.","note":"From the sales brochure.","quote":"Age at Maturity (years) | 18 | 75 | 18 | 77 ... • Maximum Maturity Age shall be 65 years","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v09/document/3464#c-s1"}],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"conflicting","value":"Under the policy wording, if death of the Life Assured is due to suicide within twelve (12) months from commencement of risk or latest revival, the claimant receives the higher of 80% of Total Premiums paid till death or the Surrender Value available on the date of death, provided the policy is in-force, plus AGP if applicable, and the policy terminates.","display":"Within twelve (12) months: higher of 80% of Total Premiums paid till death or Surrender Value, plus AGP if applicable, if policy is in-force.","note":"CIS says: \"higher of 80% of the Total Premiums paid till the date of death of the Life Assured or the Surrender Value less AGP (if applicable)\". Brochure says: \"the higher of 80% of the Total Premiums paid minus EGP paid or the surrender value as on the date of death\" and \"AGP, if any will also be paid.\"","quote":"In case of death of Life Assured due to suicide within twelve (12) months from the Date of Commencement of Risk or the date of latest revival of the Policy, whichever is later, then, the Claimant shall be entitled to receive the higher of 80% of the Total Premiums paid till the date of death of the Life Assured or the Surrender Value, available as on the date of death, provided the Policy is in-force plus AGP (if applicable); and the Policy will be terminated.","sources":[{"clause":"12","heading":"Suicide Exclusion","page":14,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v09/document/4035#c-12"},{"clause":"Row 9","heading":"Exclusions (events where insurance coverage is not payable), if any.","page":3,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v09/document/3449#c-row-9"},{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v09/document/3464#c-s1"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 21","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 35","url":"https://indiainsurances.com/law/irdai-life-products-2024"}]},{"key":"surrender","label":"Surrender value","section":"Renewal and rights","meaning":"What you get if you stop the policy early, and from when.","status":"quote-verified","value":"The policy can be surrendered after completion of the first (1st) policy year if at least one full year's regular premium has been paid. The surrender value is the higher of GSV or SSV plus any AGP; SSV is payable after one full policy year premium has been received, and GSV is acquired after two full years' regular premiums have been paid.","display":"After first (1st) policy year with one full year's premium paid; higher of GSV or SSV plus AGP, if any. GSV after two (2) full years' premiums.","note":null,"quote":"The Policyholder will have the option to surrender the Policy after completion of first (1st) Policy Year provided at least one (1) full year Regular Premium has been paid. ... The Surrender Value payable will be (i) the higher of the guaranteed surrender value (GSV) or the special surrender value (SSV) plus (ii) any AGP in the policy. ... The SSV shall become payable after completion of first(1st) Policy Year provided at least one(1) full Policy Year’s Regular Premium has been received. ... The Policy will acquire a GSV provided two (2) full years’ Regular Premiums have been paid.","sources":[{"clause":"8","heading":"Surrender Value","page":12,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v09/document/4035#c-8"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.1 to 26.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.4 and 26.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 27","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.16 and 1.17","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(1) to (3)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(4) and (5)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(6) to (9)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)(c)(V)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"paid_up","label":"Paid-up value","section":"Renewal and rights","meaning":"What cover continues if you stop paying premiums after a few years.","status":"quote-verified","value":"If a policy has acquired surrender value and future regular premiums are not paid, it converts automatically to a paid-up policy at expiry of the grace period. Sum Assured, Sum Assured on Death, EGP, RGP and Enhanced ROP are replaced by their paid-up values.","display":"After acquiring Surrender Value, non-payment converts the policy to paid-up at expiry of grace period; benefits are reduced to paid-up values.","note":"If any regular premium due in the first policy year is not paid, the policy lapses at expiry of the grace period and only AGP, if any, is payable.","quote":"A Policy, which has acquired Surrender Value shall not lapse by reason of the non-payment of future Regular Premiums, the Policy will be, immediately and automatically, converted to a paidup Policy at the expiry of the Grace Period. ... Under a paid-up Policy, Sum Assured, Sum Assured on Death, EGP, RGP and Enhanced ROP will be replaced by the Paid-up Sum Assured, Paid-up Sum Assured on Death, Paid-up EGP, Paidup RGP and Paid-up Enhanced ROP respectively.","sources":[{"clause":"6","heading":"Non-payment of Premium, Paid-up","page":11,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v09/document/4035#c-6"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"Revival period is five (5) consecutive years from the date of first unpaid regular premium. Revival requires application within the revival period, payment of arrears with interest and taxes, satisfactory health evidence and continuity of insurability, and specific communication of revival by the company.","display":"Five (5) consecutive years from the date of first unpaid Regular Premium.","note":"The current applicable interest rate on revival is 10% p.a. compounded half-yearly, subject to the benchmark described in the policy.","quote":"“Revival Period” means the period of five (5) consecutive years from the date of first unpaid Regular Premium, during which the Policyholder is entitled to revive the Policy which was discontinued due to non-payment of Regular Premium. ... A Policy, which has lapsed or has become paid-up for non-payment of Regular Premium [all, as per Section 6) above], may be revived, subject to the following conditions:\na) The application for revival is made within the Revival Period;\nb) The arrears of Regular Premiums together with interest, at such rate as the Company may decide from time to time along with applicable taxes are paid. ... c) The Policyholder furnishes, at his own expense, satisfactory evidence of health of the Life Assured and continuity of insurability;","sources":[{"clause":"1(ii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v09/document/4035#c-1-ii"},{"clause":"7","heading":"Revival","page":11,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v09/document/4035#c-7"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.7","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.28","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.39","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"policy_loan","label":"Policy loan","section":"Renewal and rights","meaning":"Whether you can borrow against the policy.","status":"quote-verified","value":"Policy loan is available once the policy has acquired surrender value. The maximum loan is 80% of Surrender Value less any AGP, and the current loan interest rate is 10% p.a. compounding half-yearly.","display":"Yes, after acquiring Surrender Value; maximum 80% of Surrender Value less AGP, if any; current interest 10% p.a. compounding half-yearly.","note":null,"quote":"The Policyholder can take loan under the Policy, provided the Policy has acquired Surrender Value. ... The maximum amount of loan will be equal to 80% of the {Surrender Value less any AGP, if applicable} available under the Policy. ... Loan interest rate# applicable on the loan amount will be as decided by the Company from time-to-time. The current rate of interest for loan is 10% p.a. compounding half-yearly.","sources":[{"clause":"11","heading":"Policy Loans","page":14,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v09/document/4035#c-11"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"quote-verified","value":["Bajaj Accidental Death Benefit Rider","Bajaj Accidental Permanent Total/Partial Disability Benefit Rider","Bajaj Life Family Protect Rider","Bajaj Life New Waiver of Premium Rider","Bajaj Life New Critical Illness Benefit Rider","Bajaj Life Care Plus Rider Non-Linked"],"display":"Six optional riders are listed: accidental death, accidental disability, family protect, waiver of premium, critical illness and care plus.","note":"From the sales brochure. It also states that for policies purchased from POS channel, rider would not be available.","quote":"The rider available with all variants under Bajaj Life Assured Wealth Goal Platinum are:\n1. Bajaj Accidental Death Benefit Rider | (UIN: 116B034V02)\n2. Bajaj Accidental Permanent Total/Partial Disability Benefit Rider | (UIN:116B036V02)\n3. Bajaj Life Family Protect Rider | (UIN: 116B056V01)\n4. Bajaj Life New Waiver of Premium Rider | (UIN: 116B061V01)\n5. Bajaj Life New Critical Illness Benefit Rider | (UIN: 116B058V01)\n6. Bajaj Life Care Plus Rider Non-Linked | (UIN: 116B062V01)","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v09/document/3464#c-s1"}],"law":[]},{"key":"section45","label":"Claims after 3 years (Section 45)","section":"Claims","meaning":"After 3 years a life policy cannot be questioned on any ground, and only for fraud with proof before that.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 45","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"tax_note","label":"Tax note in the document","section":"Premium","meaning":"What the document says about tax benefits. Not stated when it only says taxes are charged on the premium. Tax law changes; confirm separately.","status":"quote-verified","value":"Tax laws are subject to change; taxes including GST and cess are charged extra and are the policyholder's responsibility. The insurer does not warrant or assure eligibility for any income tax or other tax rebate or relief, and advises independent opinion.","display":"Tax laws are subject to change; taxes are extra; no warranty or assurance of tax rebate or relief.","note":null,"quote":"Tax laws are subject to change. All taxes, including GST and cess, either existing or those that may apply in future (including enhancements of existing taxes) will be charged extra. Payment of such taxes shall be the responsibility of the Policyholder. Bajaj Life Insurance Limited does not provide any warranty or assurance that the Policyholder will be, by virtue of purchasing this Policy, eligible for any income tax or other tax rebate or relief. Policyholder is advised to seek independent opinion for income or other tax rebate or relief.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v09/document/4035#c-s1"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":null,"quote":"Policyholder shall be provided a Free Look Period of 30 days beginning from the date of receipt of Policy Document, whether received electronically or otherwise, to review the terms and conditions of such Policy.","sources":[{"clause":"5(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v09/document/4035#c-5-a"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days for other than monthly Premium Payment Frequency","note":"Grace period is fifteen (15) days for a monthly Premium Payment Frequency.","quote":"“Grace Period” means a period of fifteen (15) days for a monthly Premium Payment Frequency or thirty (30) days for other than monthly Premium Payment Frequency, from the due date of the Regular Premium payment, during which the Policy is considered to be in-force with the risk cover without any interruption, as per the terms and conditions of the Policy.","sources":[{"clause":"1(i)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v09/document/4035#c-1-i"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Smart Income entry age is 0 to 60 years, with the maximum shown as Regular Pay -60 and Limited Pay -60. Regular Income entry age is 1 to 60 years. For POS channel, maximum age at entry is 55 years.","display":"Smart Income: 0 to 60 years. Regular Income: 1 to 60 years. POS channel maximum: 55 years.","note":"From the sales brochure. All ages are age as on last birthday.","quote":"Age at Entry (years) | 0 | Regular Pay -60 Limited Pay -60 | 1 | 60 ... • Maximum Age at entry will be 55 years","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v09/document/3464#c-s1"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Yearly","Half-yearly","Quarterly","Monthly"],"display":"Yearly, Half-yearly, Quarterly and Monthly.","note":"Quarterly and monthly modes are allowed only under auto-debit process.","quote":"Yearly | Half-yearly | Quarterly | Monthly\n1.0000 | 0.5084 | 0.2564 | 0.0859\nThe quarterly and monthly mode will be allowed only under auto-debit process","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v09/document/3464#c-s1"}],"law":[]},{"key":"premium_type","label":"Premium payment type","section":"Premium","meaning":"Single premium, regular premium (every year of the term) or limited premium (fewer years than the term).","status":"quote-verified","value":["Regular Premium payment","Regular Pay","Limited Pay"],"display":"Regular Premium payment, with Regular Pay and Limited Pay options.","note":null,"quote":"This Policy is a non-linked, non-\nparticipating, | Regular | Premium\npayment, individual life insurance savings plan. ... Policy Term (PT) (in years) | Regular Pay | Equal to PPT | 5 to 17\nLimited Pay | 10 / 15 / 20","sources":[{"clause":"2","heading":"Policy Description","page":9,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v09/document/4035#c-2"},{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v09/document/3464#c-s1"}],"law":[]},{"key":"guaranteed_benefits","label":"Guaranteed benefits","section":"Cover","meaning":"What is guaranteed, in rupees or as a formula, regardless of the insurer's performance.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"bonus","label":"Bonus type","section":"Cover","meaning":"Participating plans share profits as bonuses; these are NOT guaranteed.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"illustration_returns","label":"Illustrated returns","section":"Cover","meaning":"The benefit illustration at the IRDAI rates (4% and 8%); not a promise.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"money_back","label":"Survival or money-back payouts","section":"Cover","meaning":"Instalments paid during the term.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Bajaj Allianz Life Assured Wealth Goal Platinum Policy Documents","pages":14,"fetched_at":"2026-10-17 19:40:19+00","source_url":"https://www.bajajlifeinsurance.com/content/dam/balic-web/pdf/withdrawn-pol-doc/awg-platinum-policydoc-116N188V01.pdf","url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v09/document/3855"},{"kind":"wording","label":"Policy Document","pages":24,"fetched_at":"2026-10-17 19:43:28+00","source_url":"https://www.bajajlifeinsurance.com/content/dam/balic-web/pdf/savings-plans/awg-platinum-policydoc.pdf","url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v09/document/4035"},{"kind":"cis","label":"Customer Information Sheet","pages":5,"fetched_at":"2026-10-17 19:33:13+00","source_url":"https://www.bajajlifeinsurance.com/content/dam/balic-web/pdf/savings-plans/awg-platinum-cis.pdf","url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v09/document/3449"},{"kind":"brochure","label":"Prospectus / Brochure","pages":22,"fetched_at":"2026-10-17 19:33:25+00","source_url":"https://www.bajajlifeinsurance.com/content/dam/balic-web/pdf/savings-plans/awg-platinum-brochure.pdf","url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v09/document/3464"}],"versions":[{"uin":"116N188V01","version":null,"approved_on":null},{"uin":"116N188V09","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Bajaj Life Insurance official website","url":"https://www.bajajlifeinsurance.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claim assistance","url":"https://www.bajajlifeinsurance.com/life-insurance-claim-assistance.html","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal mechanism","url":"https://www.bajajlifeinsurance.com/grievance-redressal-mechanism.html","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Renewal payment","url":"https://www.bajajlifeinsurance.com/renewal-payment.html","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Bajaj Life Assured Wealth Goal Platinum (UIN 116N188V09), IndiaInsurances, https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v09"}