Flexi Term Pro
Bharti AXA Life's term plan, notable for how far it runs: cover can be held to age 99, well beyond the 80 or 85 most insurers stop at. Cover starts at ₹25 lakh and policy terms come in multiples of five years rather than any figure you choose.
The things that decide it
Flexi Term Pro in one table
| Insurer | Bharti AXA Life Insurance Company Limited |
|---|---|
| Sum insured | From ₹25 lakh, with the ceiling set by underwriting rather than stated in the literature. |
Claim settlement and complaint figures are IRDAI-published and held centrally by NYVO, not taken from the insurer's marketing.
What Flexi Term Pro does, and what it does not
Term insurance is a narrow product, so the useful question is not how this plan scores against a benchmark - it is what it pays for and what it leaves out. Both lists come from Bharti AXA Life's own documents.
- Cover can be held to age 99, far beyond the usual 80 to 85 ceiling
- Cover from ₹25 lakh
- Entry open from 18 to 65
- Pick any policy term you like - terms come in multiples of 5 years only
- Maturity benefit - nothing is paid if you survive the term
What this plan will not pay for
Every policy carries exclusions, and they are the clauses people read for the first time at claim stage. These are the ones worth knowing before you buy.
Not covered
Indicative, not exhaustive. Your policy wording is the contract.
- Suicide within 12 months of policy commencement or revival - the payout is limited to a return of premiums, per the standard clause. Read the policy wording for the exact percentage.
Where Flexi Term Pro falls short
No plan is right for everyone, and a page that only lists strengths is not much use to you. These are the gaps we would raise on a call before recommending it.
Worth knowing before you buy
None of these are dealbreakers on their own. They are the trade-offs this plan asks you to accept.
- Bharti AXA Life draws 95.67 complaints on the owner's 2022-25 table - about forty times Aditya Birla Sun Life's 2.33, and among the highest in the market. Its settlement ratio of 99.1% says claims get paid; the complaint volume says getting there is not smooth. Weigh that seriously before buying.
- Policy terms come in multiples of five years, so you cannot match the term exactly to when a loan ends or a child finishes college.
- Cover to 99 sounds generous, but term cover past your working life is rarely what a family needs - it mostly raises the premium. Buy the term, not the headline.
- No maturity benefit. Survive the term and nothing comes back.
Read it from the insurer
We summarise. The policy wording is the contract, and it is the only document that settles a dispute. These links go to the insurer's own pages.
Is Flexi Term Pro the right plan for you?
A salaried, IRDAI-certified NYVO advisor will look at what you already have, tell you where this plan fits and where it does not. Free, and with no obligation to buy.
Book a free call →NYVO is an IRDAI Registered Corporate Agent (Composite), licence number CA1085. This page is general information about a product, not personal insurance advice. Plan terms are summarised from the insurer's documents – the policy wording governs.
