Mumbai : Ageas Federal Life Insurance, one of India’s leading private life insurers, has announced its annual bonus declaration of ₹202.80 crore for the financial year 2025–26. This milestone marks the 12th consecutive year of bonus declarations by the company, reflecting a 15% growth over the previous financial year, and reinforcing its commitment to delivering consistent value to policyholders. Reflecting a strong three-year CAGR of 32%, the company’s bonus declaration for FY 2025–26 will benefit 1,40,651 participating policyholders.
Building on its strong track record, the company has enhanced the Reversionary Bonus rates across participating products, along with revisions to Cash Bonus rates for select plans, reflecting its disciplined investment approach and prudent fund management. The bonuses declared include Reversionary Bonus, Cash Bonus, and Terminal Bonus, applicable across a wide range of traditional and modern participating plans.
For FY 2025–26, the Reversionary Bonus rates have been increased across multiple products, with rates ranging up to 11.90% of Guaranteed Sum Assured and up to 6.50% of Sum Assured across savings-oriented plans, depending on product features and policy terms. Additionally, the Cash Bonus under the Super Cash Plan has been revised, with rates going up to 2.00% of Maturity Sum Assured, depending on the premium payment term. These enhancements are aimed at improving liquidity and providing steady income streams during the policy tenure. The company has also continued to declare attractive Terminal Bonuses, with rates going up to 19.00% of Sum Assured for select plans, further enhancing the overall maturity benefits and strengthening long-term value creation for policyholders.
Mr. Atul Srivastava – Chief Product and Distribution Officer, Ageas Federal Life Insurance, said, “Our annual bonus declaration reflects our commitment to delivering sustained, long-term value to policyholders in an evolving economic landscape. Amid dynamic market conditions and changing customer expectations, we remain focused on prudent capital management, disciplined investment strategies, and delivering resilient outcomes. These enhancements underscore the strength of our participating portfolio and the trust our customers place in us, as we continue to enable financial security and help them achieve their life goals with confidence.”
The declared bonus rates will be applicable to policies completing their policy year and payouts due during the financial year 2026–27. These rates will also serve as interim bonus rates until the next declaration. Through consistent bonus declarations, Ageas Federal Life Insurance continues to reinforce its commitment to enabling long-term financial security and delivering on its promise of creating meaningful value for its customers.