What is the most rewarding thing for your family after your retirement? This is the question you should ask yourself if you haven’t . Why should you ask yourself this question? Because after you retire the most important thing in your life apart from your family support is, the support of financial security so that you can continue living your life as you have lived or had desired and #JiyoBefikar. But what are the steps you should take to secure your retirement? The best answer to that is an online term plan.

Yes, an online term plan is the best option considering the amount of flexibility it provides and specially if you start early, could be in your late 20’s or early 30’s. If I have to suggest you one right now, it has to Bajaj Allianz Life #eTouch Online Term Plan, a three-step process to secure your future. Yes, let me take you through the features of the very simple, pure term and health cover plan from Bajaj Allianz Life to make your retirement life #JiyoBefikar:

The first step to securing your future is gauging your Premium or amount you want to secure as term plan, so in the Bajaj Allianz Life #eTouch Online Term Plan, you can start off with as low as 50 lakhs. Who can avail this plan? Well if you are earning an amount of Rs 25,000 per month, you are eligible. This is the most basic amount I am talking about.

You have to provide your basic details such as name, email id and phone no.
The third step will give you various variants of the Bajaj Allianz Life #eTouch online term plan such as:

Shield Benefits:

• On unfortunate demise of the life assured (the person in whose name policy has been taken), the Sum Assured on death would be paid and the policy shall terminate.
• On the occurrence of an Accidental Total Permanent Disability of the life assured the remaining premiums under this policy would be waived off, while the other insurance benefits will continue.
  

Shield Plus benefits:

• In case of an Accidental Total Permanent Disability (ATPD), the benefit payable would be:-
  Sum assured (subject to a maximum of ₹ 2 crores) will be paid as ATPD benefit the remaining premiums under this policy would be waived off, while the other insurance benefits will continue.
• On unfortunate demise of the life assured, the Sum Assured on death would be paid and the policy will terminate. 

Shield Super benefits:

• In case of an Accidental Total Permanent Disability (ATPD), the benefit payable would be:-

• Sum Assured (subject to a maximum of Rs 2 crores) will be paid as ATPD benefit, the remaining premiums under this policy would be waived off, while the other insurance benefits will continue.
  

In case of death of the life assured due to accident, then,

• Sum Assured on death plus an amount equal to the sum assured (subject to a maximum of ₹ 2 crores) will be paid as ADB and the policy will terminate
  
• If cause of death is not an accident Sum Assured on death would be paid and the policy will terminate

Shield Supreme benefits:

• If the life assured is diagnosed with a Critical Illness, the benefits payable would be as follows:
• If the diagnosed CI requires Angioplasty, fixed ACI benefit of ₹ 5,00,000 will be paid. Waiver of premium (WOP) is not applicable, if Angioplasty is conducted for CI. No further ACI benefit will be paid for any future occurrence of Angioplasty. But, the policy will continue for other benefits, including remaining amount of ACI benefit for the remaining CIs covered, subject to payment of all due premium.

1. If the Critical Illness is other than one requiring Angioplasty then,
2. If ACI (Accelerated Critical Illness) benefit has been availed for Angioplasty, then, ACI benefit of 75% of Sum Assured, subject to maximum of ₹75,00,000, would be paid.
3. If any prior ACI benefit for Angioplasty has been paid, then, the remaining ACI benefit would be paid, which is 75% of Sum Assured (subject to maximum of ₹75,00,000) minus ₹ 5,00,000 (paid earlier for Angioplasty)
4. the remaining premiums under this policy will be waived off, while the other insurance benefits will continue

• In case of an Accidental Total Permanent Disability (ATPD), the benefit payable would be:-
• Sum Assured (subject to a maximum of Rs 2 Crores) will be paid as ATPD benefit
• the remaining premiums under this policy would be waived off, while the other insurance benefits will continue.
• On unfortunate demise of the life assured the beneficiary would receive the following benefit and the policy will terminate:
• If ACI benefit has been paid earlier, then, Sum Assured on death minus the amount of ACI benefit already paid would be payable.
• If ACI benefit has not been paid earlier, then, Sum Assured on death would be paid

All of the above plans have a Premium amount which accelerates as per the plans features and additional benefits. You can choose the policy terms from as low as 10 years and upto 29 years  and premium payment modes as per your convenience of monthly, half yearly, quarterly or yearly. I think this is a very welcome move from Bajaj Allianz Life considering and researching the payment habits of the vast and diverse Indian population.

An another welcome move from Bajaj Allianz is an app to take care of your fitness, the B-Fitness Wellness app helps users to set and track their fitness goals along with incentives to adopt health lifestyle. Equipped with features like a food guide for Indian cuisine, a health score tracker, expert recommendations basis health score and personalized health articles curated to the user’s interests to make the app engaging. Providing a multitude of other exciting services, B-Fit is an assured and reliable app to help one achieve one’s fitness goals.