Ageas Federal Life Insurance has announced its highest-ever total bonus of ₹176.32 crore for the financial year 2024–25. This represents a significant 31% rise from the ₹134.44 crore distributed in the previous year. The consistent declaration of bonuses for the 11th year in a row highlights the insurer’s commitment to rewarding long-term policyholders through participating plans.
The declared bonus comprises reversionary, cash, and terminal bonuses. Reversionary bonuses can go up to 10% of the sum assured, while the cash bonus may reach up to 1.90%, depending on the policy type and term. For FY25, ₹53.43 crore of the total bonus will be distributed as cash and maturity bonuses. The remaining amount is earmarked for disbursal upon maturity, surrender, or early death of eligible policies in FY26.
The company has announced enhancements across all participating products. Notably, for the Super Cash plan, the cash bonus has been increased by 0.10% across all premium payment terms. All active participating policies as of March 31, 2025, are eligible for these bonuses, while lapsed or paid-up policies may also qualify, subject to reinstatement conditions.
Participating insurance plans (Par plans) offer policyholders a share in the insurer’s profits via annual bonuses, which are based on the performance of the participating fund and are not guaranteed. The increased bonus allocation reflects Ageas Federal's strong financial performance and commitment to value-sharing with its customers.
As of March 31, 2025, the company has issued over 19.71 lakh policies, representing a total sum assured of more than ₹27,558 crore. Ageas Federal’s assets under management currently stand at ₹18,956 crore, supported by a capital base exceeding ₹800 crore.
Read More: HDFC Life Declares Record ₹4,102 Crore Bonus for Policyholders!
With its highest-ever bonus declaration and enhanced benefits for participating policyholders, Ageas Federal Life Insurance has demonstrated robust financial health and ongoing dedication to customer returns. The sustained bonus record reinforces policyholder trust and highlights the long-term value of participating plans.
Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.
Investments in the securities market are subject to market risks, read all the related documents carefully before investing.
Published on: Jun 11, 2025, 1:15 PM IST
Team Angel One
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