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Bharti AXA Life · 130N103V03

Bharti AXA Life Flexi Term Pro

Bharti AXA Life Flexi Term Pro (IRDAI UIN 130N103V03) is a term life insurance plan for people aged 18 to 65 at entry, with cover up to age 99.

Premiums depend on age, cover, city, health and the options you choose. Where the insurer published a premium, the figure shown is for the exact profile stated next to it; your premium will differ. Comparezi does not sell insurance or give advice: check the insurer's prospectus and policy wording, which prevail.

In short

Bharti AXA Life Flexi Term Pro is a term life insurance plan from Bharti AXA Life. Key specifications: maximum entry age 65 years, maximum maturity age 99 years, death claims settled (insurer) 99.18%. Among term life insurance here it fits best for cover to an older age.

Sample premium ₹11,300 a year*

*For: Healthy male, Non Smoker, age 30, PT 30, PPT 30, Sum Assured Rs 1,00,00,000, Single Life Option - Without ROP; excluding taxes.. Your premium will differ.

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Maximum entry age
65 years
Maximum maturity age
99 years
Death claims settled (insurer)
99.18%

Pros

  • Return-of-premium option available

Who should buy it

  • Best for Cover to an older age · What matters most? (pick any) #6 of 29 term life insurance for this

Full specifications

Eligibility

Minimum entry age 18 years
Maximum entry age 65 years
Maximum maturity age 99 years
Policy term Fixed Term 1, 5 to 50 years (multiples of 5) or To Age 60, 65, 70, 75, 80, 85, 99 (varies by variant and premium option)
Minimum sum assured ₹25,00,000
Maximum sum assured No Limit, subject to Board Approved Underwriting Policy

Plan

Plan options Without Return of Premium - Single Life, Without Return of Premium - Joint Life, With Return of Premium
Premium payment OYT, Single Pay, Regular Pay, Limited Pay (5, 7, 8, 10, 12 years, Pay till Age 60, Pay till Age 70); annual, semi-annual, quarterly & monthly
Return of premium option Yes
Death benefit payout Lumpsum; Monthly Income (1.04% of SA monthly for 10 years); Lumpsum plus Monthly Income (50% lumpsum, 0.93% of SA monthly for 5 years)
Riders Bharti AXA Life Hospi Cash Rider (130B007V05), Bharti AXA Life Premium Waiver Rider (130B005V05), Bharti AXA Life Non Linked Complete Shield Rider (130B011V02)
Waiver of premium Via Bharti AXA Life Premium Waiver Rider: future premiums waived on diagnosis of any of 11 critical illnesses

Premium

Sample annual premium ₹11,300
Sample premium is for Healthy male, Non Smoker, age 30, PT 30, PPT 30, Sum Assured Rs 1,00,00,000, Single Life Option - Without ROP; excluding taxes.

Insurer

Death claims settled (insurer) 99.18%
Claims figures for FY 2024-25: individual death claims paid out of claims decided and pending, by number, computed from IRDAI Handbook on Indian Insurance Statistics (Table 15)
IRDAI UIN 130N103V03

About the Flexi Term Pro

Bharti AXA Life Flexi Term Pro (IRDAI UIN 130N103V03) is a term life insurance plan for people aged 18 to 65 at entry, with cover up to age 99. It is one of 29 term life insurance plans on Comparezi, from Bharti AXA Life.

Information only. Comparezi does not sell insurance, does not give advice and is not paid by insurers. The policy wording issued by the insurer prevails over this summary.

Eligibility and cover

  • Entry age: 18 to 65 years
  • Maximum maturity age: 99 years
  • Policy term: Fixed Term 1, 5 to 50 years (multiples of 5) or To Age 60, 65, 70, 75, 80, 85, 99 (varies by variant and premium option)
  • Minimum sum assured: ₹25,00,000
  • Maximum sum assured: No Limit, subject to Board Approved Underwriting Policy

Plan options

  • Options: Without Return of Premium - Single Life, Without Return of Premium - Joint Life, With Return of Premium
  • Premium payment: OYT, Single Pay, Regular Pay, Limited Pay (5, 7, 8, 10, 12 years, Pay till Age 60, Pay till Age 70); annual, semi-annual, quarterly & monthly
  • Return of premium: Covered
  • Death benefit payout: Lumpsum; Monthly Income (1.04% of SA monthly for 10 years); Lumpsum plus Monthly Income (50% lumpsum, 0.93% of SA monthly for 5 years)
  • Riders: Bharti AXA Life Hospi Cash Rider (130B007V05), Bharti AXA Life Premium Waiver Rider (130B005V05), Bharti AXA Life Non Linked Complete Shield Rider (130B011V02)
  • Waiver of premium: Via Bharti AXA Life Premium Waiver Rider: future premiums waived on diagnosis of any of 11 critical illnesses

How it compares on Comparezi

Of the 27 term life insurance plans on Comparezi with a stated maximum maturity age, 5 have a longer one and 5 have the same.

Premium

It depends on your age, cover, city and options. Bharti AXA Life's own published premium table gives ₹11,300 a year for this profile: Healthy male, Non Smoker, age 30, PT 30, PPT 30, Sum Assured Rs 1,00,00,000, Single Life Option - Without ROP; excluding taxes. Your premium will differ; get a quote from the insurer.

About the insurer

Bharti AXA Life paid 99.18% of individual death claims in FY 2024-25 (by number of claims, computed from IRDAI's published claim counts).

Similar plans from other insurers

Sources

Checked 6 November 2026. Values the documents do not state are left out rather than estimated. See how Comparezi checks data.

Alternatives

Alternatives to the Flexi Term Pro

All term life insurance →

Bajaj Life

eTouch II

  • 65 years Maximum entry age
  • 99 years Maximum maturity age
  • 99.29% Death claims settled (insurer)
Sample premium ₹24,359 a year*

Head to head

Compare the Flexi Term Pro

Questions

Flexi Term Pro FAQs

It depends on your age, cover, city and options. Bharti AXA Life's own published premium table gives ₹11,300 a year for this profile: Healthy male, Non Smoker, age 30, PT 30, PPT 30, Sum Assured Rs 1,00,00,000, Single Life Option - Without ROP; excluding taxes. Your premium will differ; get a quote from the insurer.

130N103V03. The UIN identifies the exact product version filed with IRDAI; check it on your policy documents.

From 18 years to 65 years; limits can differ by plan option.

Up to age 99 at most; the limit can differ by plan option.

Yes, as an option or variant; the base cover pays only on death.

99.18% of individual death claims were paid in FY 2024-25, by number of claims, computed from IRDAI's published claim counts. It is an insurer-wide figure, not one for this plan.

Bharti AXA Life Hospi Cash Rider (130B007V05), Bharti AXA Life Premium Waiver Rider (130B005V05), Bharti AXA Life Non Linked Complete Shield Rider (130B011V02).

Data sources

  • Manufacturer official pages

Last updated

Product details

Disclosure

Links to insurers are not paid. Comparezi earns only from labelled ads, which never affect the Comparezi Score, the order of insurers, or the price shown, which is what the insurer listed when we checked.

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