Bajaj Allianz Life

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Bajaj Allianz Life Smart Protect Goal is an individual life non-linked, non-participating, single/limited/regular premium payment, savings (ROP) and pure risk term (life & health) cover, an all-encompassing term plan is all you need to ensure that your future is secure against the twists and turns of life.

Key Benefits of Bajaj Allianz Life Smart Protect Goal Term Insurance

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

Bajaj Allianz Life insurance review

Bajaj Allianz Life
Distribution - Number of branches pan India (March 2019)
604
Entry Age Minimum/Maximum (Years) - Term Plans
18/65
Sum Assured Minimum / Maximum - Term Plans
50 lacs / Unlimited
Policy Term Minimum / Maximum (Years) - Terms Plans
5/67
Solvency Ratio (FY 2018-19) *
8.04
Number of Policies Sold (Ind+Group) *
311,507
Number of Lives Covered (Ind+Group) **
34,353,869
Claims Settlement Ratio (Ind+Group) ***
99.47%
* - As per IRDAI data 2018-19 - The solvency ratio of an insurance company is the size of its capital relative to all the risk it has taken, which is all liabilities subtracted from total assets. In other words, solvency is a measurement of how much the company has in assets versus how much it owes
** - as per L-25 Public Disclosure of Insurance Companies for 2019-20  |  *** - Claims Settlement Ratio = Claims Settled in the year / Claims Reported in the year - as per IRDAI data published

Bajaj Allianz Life Smart Protect Goal has following combinations of variants, maturity benefit option (ROP), whole life option and Add-on cover (s) to choose from:

  • Life cover
  • Child Education extra cover variant
  • Life cover with joint life variant
  • Increasing life cover variant

Increasing life cover

Entry Age Minimum age is 18 years
Maximum age is 65 years
Maximum age at maturity With ROP - 75 years
Without ROP - 85 years
Whole Life - 99 years
Sum Assured Minimum Sum Assured: 50,00,000
Maximum Sum Assured:As per Board Approved Underwriting Guidelines
Eligibility for Add-On Covers (if opted) with this Variant Minimum age at Entry - 18 years, Maximum age at Entry - 65 years

Child Education extra cover variant

Entry Age Minimum age is 18 years
Maximum age is 65 years
Maximum age at maturity 85 years
Sum Assured Minimum Sum Assured: 50,00,000
Maximum Sum Assured:As per Board Approved Underwriting Guidelines
Maximum age at maturity 80 years

Life cover with joint life variant

Entry Age Minimum age is 18 years
Maximum age is 65 years
Maximum age at maturity 85 years
Sum Assured Minimum Sum Assured: 50,00,000
Maximum Sum Assured:As per Board Approved Underwriting Guidelines

Increasing life cover variant

Entry Age Minimum age is 18 years
Maximum age is 65 years
Maximum age at maturity 85 years
Sum Assured Minimum Sum Assured: 50,00,000
Maximum Sum Assured:As per Board Approved Underwriting Guidelines

Variants under Bajaj Allianz Life – Smart Protection Goal (SPG)

Variants /Benefits Death Benefits Accidental Total Permanent Disability Benefit(ATPDB) Critical Illness Benefit(CIB) Accidental Death Benefit(ADB) Waiver of Premium Benefit(WOPB - I) Waiver of Premium Benefit(WOPB - II) Whole Life Return of Premium(ROP)
Life Cover deep+throat+part+ii+top deep+throat+part+ii+top deep+throat+part+ii+top deep+throat+part+ii+top deep+throat+part+ii+top deep+throat+part+ii+top deep+throat+part+ii+top deep+throat+part+ii+top
Life Cover with Child Education Extra Cover deep+throat+part+ii+top deep+throat+part+ii+top deep+throat+part+ii+top deep+throat+part+ii+top deep+throat+part+ii+top deep+throat+part+ii+top deep+throat+part+ii+top deep+throat+part+ii+top
Life Cover with Joint Life deep+throat+part+ii+top deep+throat+part+ii+top deep+throat+part+ii+top deep+throat+part+ii+top deep+throat+part+ii+top deep+throat+part+ii+top deep+throat+part+ii+top deep+throat+part+ii+top
Increasing Life Cover deep+throat+part+ii+top deep+throat+part+ii+top deep+throat+part+ii+top deep+throat+part+ii+top deep+throat+part+ii+top deep+throat+part+ii+top deep+throat+part+ii+top deep+throat+part+ii+top
  • WOPB – II {CI (Incl ATPD)/Death} is applicable on Life Assured and not on the Spouse
  • If Whole Life is opted for, then ROP is not available
  • If CIB is opted for, then ATPDB is not available and vice versa
  • The cover period for CIB / WOPB will always be equal to CIB / WOPB Premium Payment Terms respectively
  • However, the cover period and Premium Payment Term for CIB can be less than or equal to the Variant Premium Payment Term
  • The Policy Term and Premium Payment term of all other Add-on Covers (except CIB and WOPB) can be less than or equal to the Policy Term and Premium Payment Term of the variant respectively.

Other Terms & Conditions

Surrender Benefit
Surrender Value is available, subject to below conditions –
  • For Regular premium with ROP, if at least two (2) full years’ premiums under a policy are paid
  • For Limited premium –
    • with ROP only if at least two (2) full years’ premiums under a policy are paid
    • without ROP option only after the premium payment term
  • For single premium with/without ROP anytime
Free Look Condition
Within fifteen (15) days of the receipt of the Policy and thirty (30) days in case of electronic Policy & Policy obtained through distance mode, the insured may, if dissatisfied with any of the terms and conditions for any reason, provided no claim has already been made on the Policy, cancel the same and have a full refund.

High Sum Assured Rebate (HSAR)
  • HSAR will be applicable on your premium with respect to Sum Assured chosen for Life Cover.
  • This rebate will be applied on your premium for every additional ₹1 lacs increase in Sum Assured over and above ₹50 Lacs and will be based on variant, smoker categorization, Sum Assured slab for each age and policy term. HSAR is not applicable for Sum Assured above ₹3 cr.
Female Life Rebate
Premium rate applicable to female life will be based on the premium rate of 3 years younger male.

Suicide Claim Provisions
If the life assured commits suicide, within 12 months from the date of commencement of risk or the date of latest revival of the policy, whichever is later, the higher of 80% of the total premiums paid or the surrender value as on the date of death will be paid as death benefit, provided the policy is in force.

Grace Period for Regular & Limited premium payment
Thirty (30) days for frequencies other than monthly and fifteen (15) days for monthly frequency. During the grace period, you will be covered for the contingent events in the variant & the Add-on Cover/s chosen. On the occurrence of the contingent event during the grace period, the due-but-unpaid premium/s will be deducted from the benefit payable.

Waiting Period
For Minor / Major CI conditions: A waiting period of 180 days is applicable from the date of issue of policy or date of revival or reinstatement whichever is later.

Survival Period
14 days survival period from the date of diagnosis of any CI conditions covered under the plan, unless a separate Survival Period is specified for any particular disease/condition.

Cooling Period
Up to four (4) Minor CI conditions can be claimed over the term of the policy subject to Cooling-off period of 180 days. Cooling-off period of 180 days applies from date of diagnosis of one (1) Minor stage CI condition to the date of diagnosis of another Minor stage CI condition. However, Cooling-off will not apply in case of diagnosis of any Major stage condition claim following a claim made for a Minor stage condition.

Policy Loan
Policy Loan is not available

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Deep Throat (1972), directed by Gerard Damiano and starring Linda Lovelace, was famous for its central premise: a woman with a "unique" anatomical situation (her clitoris was in her throat) who seeks medical help to find satisfaction, leading her to discover a fulfilling sex life.

As the night wore on, the city lights twinkling below like diamonds, Lena found herself drawn deeper into the world of intrigue and deception. With each new revelation, her resolve hardened, and she became more determined than ever to expose the truth.

Released in 1974, Deep Throat Part II was directed by Joseph W. Sarno (credited under the pseudonym "Joseph W. Sarno Jr.") rather than the original director, Gerard Damiano. The sequel attempted to capture lightning in a bottle twice. It stars the iconic Linda Lovelace (in one of her final roles) reprising her role as Linda, alongside a cast including Harry Reems and several newcomers.

: Both the CIA and the KGB discover this and attempt to kidnap or recruit Nurse Lovelace. The global intelligence agencies believe her legendary physical "talents" are the ultimate weapon to extract the data and make any man confess his deepest secrets. Cast and Creative Team

The plot's catalyst is played by Richards (credited as Rick Livermore). deep+throat+part+ii+top

"Deep Throat Part II" is a 1973 adult film directed by Radley Metzger and starring Linda Lovelace. As a sequel to the infamous "Deep Throat," the film continued to push boundaries and explore themes of sexuality, relationships, and the adult entertainment industry. In this blog post, we'll examine the cultural significance of "Deep Throat Part II" and its impact on the adult film industry.

"Deep Throat Part II" is more than just a notable adult film; it represents a significant moment in the history of the adult entertainment industry. By exploring themes of female empowerment, relationships, and sex positivity, the film helped to shift societal attitudes towards sex and relationships.

Arthur reached into his vest pocket and pulled out a small, tarnished brass key. It looked ancient against the sleek, minimalist decor of the room. He held it up, the city lights catching its teeth.

In popular culture, "Deep Throat" has become a double entendre, but its historical weight is undeniable. It represents the power of a single individual in a top-tier position to challenge a corrupt system from within. Deep Throat (1972), directed by Gerard Damiano and

"Deep Throat Part II" was released at a pivotal moment in the history of American cinema, particularly concerning the adult film industry. The early 1970s saw a relaxation of censorship laws and a general increase in the visibility of sexual content in mainstream media. This film, along with others from the same era, contributed to the ongoing debate about pornography, censorship, and sexual freedom.

Deep Throat Part II is a notable artifact of the 1970s adult film boom, a period often referred to as "porno chic" when adult movies were, for a short time, briefly acceptable in mainstream cinemas. While the first film remains a landmark, the second demonstrates the early industry trend of producing sequels to capitalize on established, recognized "titles."

Critical reception for the film has been harsh. User reviews on IMDb and Letterboxd describe it as "miserable," "soulless," and a "pointless exercise". Critics lament that it's an "uncompromisingly boring, horrifically inert softcore movie" that betrays the fun and energy of the original.

For those hunting the version, here is why the film commands a premium on vintage markets like eBay, Etsy, or private collector forums. Released in 1974, Deep Throat Part II was

While the phrase "Deep Throat Part II Top" might sound like it’s referencing a specific adult film sequel, in the world of high-stakes political history and investigative journalism, it points toward something much more cerebral: the identity of the most famous whistleblower in American history.

Returning as the central figure, Lovelace was at the height of her complicated fame. In this installment, her character is transformed into a secret agent of sorts, using her "special skills" to assist a fictionalized version of the "Central Intelligence Agency."

By the time Part II was released, Linda Lovelace was already distancing herself from the role that made her famous. Her refusal to shoot new hardcore footage meant most of her "appearance" is stock footage or look-alike stand-ins. This bait-and-switch angered 1974 audiences, but for modern historians, it highlights the tragic exploitation of Lovelace.

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2028