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Ageas Federal Wealth Gain Insurance Plan
The Ageas Federal Wealth Gain Insurance Plan supports you with long-term wealth taccumulation alongside life insurance protection. As a unit-linked plan, it allows policyholders to invest across multiple funds based on their risk preference. The plan also offers loyalty additions, a waiver of premium benefit in case of total and permanent disability, and a settlement option to receive maturity proceeds in instalments.
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Eligibility Criteria for the Ageas Federal Wealth Gain Insurance Plan
| Criteria | Minimum | Maximum | ||||||||||||||
| Age At Entry | 5 Years | 60 Years (As On Last Birthday) | ||||||||||||||
| Age At Maturity Of Plan | 18 Years | 74 Years (As On Last Birthday) | ||||||||||||||
| Policy Term (PT) | 10 / 15 / 20 Years | |||||||||||||||
| Premium Payment Term (PPT) |
|
|||||||||||||||
| Premium Payment Frequency (PPF) | Monthly And Annually | |||||||||||||||
|
Premium Amount |
Monthly - Rs. 2,500 Yearly - Rs. 30,000 |
|
Illustration for Ageas Federal Wealth Gain Insurance Plan
The Ageas Federal Wealth Gain Insurance is considered the best ULIP plan for people wanting to build wealth over time.
For instance, Meera, who is 30 years old, picks a 20-year policy term with a Sum Assured of Rs. 20 lakh.
- Meera's premiums go into one of the ten unit-linked funds that are accessible, depending on how much risk she is willing to take. The plan lets her swap funds as many times as she wants for free, which gives her the freedom to change her investments over time.
- It promises loyalty bonuses of 1% of the average fund value over the last 36 months, which are added to the policy at the conclusion of the 10th year and every five years after that, as long as the policy requirements are met.
- If you become totally and permanently disabled, the waiver of premium means that the insurance will be in effect without any future premium payments, if applicable.
- When the time comes, Meera might choose the settlement option to get her money in stages. According to current tax regulations, Sections 80C and Section 10(10D) may offer tax benefits.
Benefits of the Ageas Federal Wealth Gain Insurance Plan
Below are the benefits of India's best guaranteed return plans:
-
Maturity Benefit
On survival till maturity, and if the policy is in force, the maturity benefit payable is:
- Fund Value Including Guaranteed Loyalty Additions. Once paid, the policy terminates.
-
Death Benefit
If death occurs during the policy term and the policy is active, the Death Benefit payable is the highest of:
- Sum Assured On Death
- Fund Value
- 105% of Total Premiums Paid
Death Sum Assured is the higher of:
- 10 Times The Annualised Premium
- 0.5 × Policy Term × Annualized Premium
On payment of the Death Benefit, the policy terminates.
-
Waiver Of Premium On Total And Permanent Disability
If total and permanent disability occurs during the premium payment term and the policy is in force:
- Future premiums are paid by the company
- Life cover continues
- Guaranteed Loyalty Additions continue
- Fund value is payable at maturity
Riders Under The Ageas Federal Wealth Gain Insurance Plan
Being one of the best investment plans in India, it allows optional rider benefits that may be added to the base policy for an additional premium, subject to underwriting and the terms and conditions specified in the policy document.
Policy Details Of The Ageas Federal Wealth Gain Insurance Plan
Let's go through the policy details of this Ageas Federal ULIP plan for your understanding:
-
Grace Period
Grace period comes with 15 Days for the monthly mode and 30 Days for the annual mode.
-
Revival
Revival period is 3 consecutive years from the date of the first unpaid premium.
-
Free Look Period
Available as per policy terms.
-
Surrender
Lock-In Period: 5 consecutive years from policy commencement. No partial withdrawal or surrender allowed during the lock-in period except in case of death.
-
Fund Switching
Unlimited free switches between funds are allowed.
Policy Loans are not available under the Ageas Federal Life ULIP Plans.
Latest ULIP NAVs
| Fund Name | NAV  |
AUM |
5 Yr Returns |
10 Yr Returns | |
|---|---|---|---|---|---|
| Bandhan Life Debt Fund | ₹39.47 | ₹93 Cr | 5.33% | 6.62% | |
| Bandhan Life Secure Fund | ₹28.47 | ₹46 Cr | 5.16% | 4.62% | |
| Bandhan Life Blue Chip Equity Fund | ₹30.83 | ₹206 Cr | 12.63% | 12% | |
| Bandhan Life Stable Fund | ₹32.71 | ₹17 Cr | 8.18% | 9.14% | |
| Bandhan Life Accelerator Fund | ₹47.96 | ₹219 Cr | 14.67% | 13.62% | |
| Bandhan Life Opportunity Fund | ₹39.42 | ₹234 Cr | 18.6% | - | |
| Bandhan Life Pension Debt Fund | ₹31.41 | ₹4 Cr | 5.19% | 6.44% | |
| Bandhan Life Pension Enhanced Equity | ₹112.55 | ₹18 Cr | 14.82% | 13.47% | |
| Bandhan Life Pension Nifty 500 Momentum Quality 50 Index Fund | ₹9.69 | ₹2 Cr | - | - | |
| Aegon Balanced | ₹44.92 | ₹12 Cr | 8.61% | 9.41% | |
| Aegon Enhanced Equity | ₹69.88 | ₹125 Cr | 14.66% | 13.31% | |
| Aegon Pension Balanced | ₹51.34 | ₹2 Cr | 9.39% | 9.9% | |
| Aegon Pension Index | ₹85.92 | ₹7 Cr | 10.17% | 11.38% | |
| Aegon Pension Secure | ₹28.45 | ₹1 Cr | 4.64% | 5.06% | |
| Aegon Life Group Equity Fund | ₹60.02 | ₹11 Cr | 15.66% | - |
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Exclusions Under the Ageas Federal Wealth Gain Insurance Plan
-
Suicidal Cover
As stated in the policy, suicide-related provisions are in effect during the first policy period and the revival period.
-
Total Permanent Disability (TPD)
If you hurt yourself on purpose, you won't get TPD benefits.
- The Effect of Drugs or Alcohol
- Taking part in dangerous activities
- War or nuclear contamination; criminal acts
The policy paper lists specific definitions and exclusions.
FAQs
-
Is Ageas Federal Life Insurance Wealth Gain Considered The Best ULIP Plan?
Suitability depends on your financial goals and risk appetite. As a market-linked product, returns vary with fund performance. -
Does the Ageas Federal Wealth Gain Insurance Plan allow partial withdrawals?
Yes, you can make partial withdrawals beyond the required 5-year lock-in period, subject to policy terms and the minimum fund value restrictions. -
Can I change my fund allocation after purchasing the Ageas Federal Wealth Gain Insurance plan?
Yes, the Ageas Federal Wealth Gain Insurance Plan lets you switch funds during the policy term. This lets you change your portfolio to fit your changing financial goals or market conditions.
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Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ