Ageas Federal Life Insurance Announces Significant Bonus Growth

Life Insurance: Ageas Federal Life Insurance, recognized as one of India’s leading private life insurers, has officially announced a total annual bonus of ₹202.80 crore for the financial year 2025–26. This significant milestone marks the 12th consecutive year of bonus declarations by the company, reflecting a 15% year-on-year growth compared to the previous financial year. This initiative reinforces the company’s commitment to delivering consistent value to its policyholders, supported by a strong three-year CAGR of 32%, and will directly benefit 1,40,651 participating policyholders.

Enhanced Bonus Structure and Strategic Focus:
Building on a strong track record, the company has enhanced Reversionary Bonus rates across participating products alongside revisions to Cash Bonus rates for select plans, which reflects a disciplined investment approach and prudent fund management. The declared bonuses include Reversionary, Cash, and Terminal Bonuses, which are applicable across a wide range of traditional and modern participating plans.

For FY 2025–26, Reversionary Bonus rates have been increased across multiple products, with rates ranging up to 11.90% of the Guaranteed Sum Assured and up to 6.50% of the Sum Assured across savings-oriented plans, depending on policy terms and product features. Furthermore, the Cash Bonus under the Super Cash Plan has been revised with rates going up to 2.00% of the Maturity Sum Assured, depending on the premium payment term, which aims to improve liquidity and provide steady income streams during the policy tenure. The company has also continued to declare attractive Terminal Bonuses, with rates reaching up to 19.00% of the Sum Assured for select plans, further enhancing overall maturity benefits and strengthening long-term value creation for policyholders.

Commitment to Long-Term Value:
Mr. Atul Srivastava, Chief Product and Distribution Officer at Ageas Federal Life Insurance, stated that the annual bonus declaration reflects the company’s commitment to delivering sustained, long-term value to policyholders within an evolving economic landscape. He noted that amidst changing customer expectations and dynamic market conditions, the company remains focused on disciplined investment strategies, prudent capital management, and delivering resilient outcomes. These enhancements underscore the strength of the participating portfolio and the trust customers place in the company as it continues to enable financial security and assist them in achieving life goals. The declared bonus rates are applicable to policies completing their policy year and payouts due during the 2026–27 financial year, and these rates will serve as interim bonus rates until the next declaration.