Bharti AXA Life Shining Stars Child Insurance Policy | Buy Child Plan Online

Bharti AXA Life Shining Stars Child Insurance Policy: Smart future for children is every parent’s dream. Every parent wants to plan ahead for their child’s education, marriage and other important expenses. But saving is not enough, investing properly is also important. This is why Bharti AXA Life Shining Stars is an excellent choice! It is not just a child insurance plan, but also offers investment benefits, ensuring your child’s future is completely secure.

Life Shining Stars by Bharti AXA, A life insurance plan that covers you in the event of your untimely death to help with financial matters & safety of your family. The Bharti AXA Life Shining Stars plan gives you the option to select from a variety of policy terms and premium payment terms. It enables you to select the options for benefit payout based on your child’s requirements.

You can select from two Maturity Payout options under the plan, either at the beginning of the policy or when it matures. You can choose to receive the Maturity Benefit in five equal annual payouts at the end of each year beginning at Maturity, or as a lump sum at Maturity or at the end of any year during the Maturity payout period. The plan has an inherent benefit in that the policy will continue to pay premiums even after the policyholder passes away, and the maturity benefit will still be payable when the policy matures.

Why choose this Bharti AXA Life Shining Stars Child Insurance Policy?

This policy allows you to choose different premium payment periods and policy terms. This means that you can choose the policy term and payment method as per your need and convenience. Apart from this, this policy offers two different maturity benefits. You can choose whether you want a lump sum payment or annual installment payment as per your preference. This flexibility makes this policy better than others.

What if something goes wrong?

If unfortunately, the parents taking the policy die, the child’s future will not be affected. This Bharti AXA Life Shining Stars Child Insurance Policy has an inbuilt protection, which –

• The family gets a huge amount as death benefit immediately.
• There is no need to pay the remaining premium.
• The child will keep getting maturity benefit at the scheduled time.

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Tax exemption will also be available

You get tax exemption on this BhartiAXA Life Shining Stars Policy under the Income Tax Act, 1961. However, tax laws keep changing from time to time, so before investing, do check the latest rules.

The value of your investment will keep growing!

This Bharti AXA Life Shining Stars Policy plan works as a smart investment as it offers full maturity benefit. For example, if you invest ₹50,000 annually and choose a policy term of 15 years, the investment will stop after 10 years, but the Bharti AXA Insurance policy will continue and you will receive a hefty sum in the 15th year.

You get two options in this Bharti AXA Life Shining Stars Plan

• Flexi Payout Option – where you can take a lump sum amount any year as per your requirement.
• Annual Payout Option – where you will receive money in annual installments for 5 consecutive years to meet your child’s education or other needs.

How does this Bharti AXA Shining Star policy works? (Let’s understand through a story)

Anil’s story

Anil is a 35-year-old man working in an MNC. He has a 3-year-old son and wife. He wants to save money in advance for his son’s education, marriage and other needs. But he wants a policy that will provide financial security to his family even after his death.

So, he decided to buy Bharti AXA Life Shining Stars policy. He chose a policy term of 15 years and a premium payment term of 10 years. He pays a premium of ₹50,000 every year and gets a sum assured of ₹7,42,501 in return. Now let’s see what benefits Anil gets from this.

First Option – Lumpsum Payout (Flexi Payout Option)

• If Anil wants to get a large sum of money when his son turns 18, so that he can pay the admission fees for his higher education, then he can choose the lump sum option.
• At the end of the 16th year, he will get the full amount of ₹7,79,626.
• If he wants, he can withdraw this amount anytime within 4 years of maturity.

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Second Option – Annual Payout Option

If Anil wants to get some money every year for his son’s education, then he can choose this option. In this option, he gets money every year for 5 years, with which he can fulfill his son’s education or any other need.

Year	Amount Received (₹)
15th Year	₹1,63,350
16th Year	₹1,63,350
17th Year	₹1,63,350
18th Year	₹1,63,350
19th Year	₹1,63,350
Total	₹8,16,751

What if Anil dies in the 5th year?

• Anil’s family will get ₹7,42,501 immediately.
• There will be no need to pay the remaining premiums.
• The son will continue to get the maturity benefit at the scheduled time.

Some important rules to take this Bharti AXA Life Shining Stars policy (Eligibility and Rules)

There are some important rules to take this shining stars bharti axa policy:

Parameter	shining stars bharti axa Eligibility
Minimum Age (at entry)	18 years
Maximum Age (at entry)	60 years
Maximum Age (at maturity)	80 years
Minimum Sum Assured	₹50,000
Maximum Sum Assured	No limit (subject to underwriting)
Premium Payment Modes	Annual, Semi-Annual, Quarterly, Monthly (Auto-pay required)

Conclusion: bharti AXA Life Shining Stars good or bad

If you also want to secure your child’s future and want that his education and other needs never remain unfulfilled, then Bharti AXA Life Shining Stars can be a great option for you. This plan not only provides an insurance cover but also gives the benefit of investment growth. So do not delay, give wings to your child’s dreams and buy Bharti AXA Life Shining Stars policy now!

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