The new plan is structured around two financial priorities: building wealth to achieve specific goals and creating a financial legacy for the next generation. It also provides flexibility in selecting investment funds and strategies according to individual financial priorities, investment horizons and risk appetites.
The Wealth option is designed for individuals seeking to accumulate wealth towards specific long-term financial goals, with a policy term ranging from 10 to 40 years. The Legacy option combines investment opportunities with life insurance coverage up to the age of 100. Both options offer flexibility in premium payments and investment strategies.
Wealth Infinity offers five investment strategies and 12 fund options, giving policyholders different ways to manage their investments. Customers who prefer to make their own investment decisions can select the Self-Managed Strategy and allocate their investments across the available funds.
For those seeking a structured investment approach, the Glide Path Strategy gradually adjusts the equity-debt mix as the policy approaches maturity. The Systematic Investment Protection Strategy gradually shifts investments from a debt fund into selected equity funds. The Systematic Gain Strategy transfers gains into a debt fund when predefined levels are reached, while the Life Stage Strategy adjusts investment allocation according to the policyholder's age and selected risk profile.
The plan's 12 investment funds cover different market segments and investment approaches. These include the IndiGenius Fund, which focuses on high-growth companies across market capitalisations associated with India's indigenisation, ingenuity and growth themes. The Large Cap Quality Fund tracks the BSE Large Cap 100 Quality 30 Index, while the Momentum Growth Fund provides another investment option.
The fund portfolio also includes equity, asset-allocation and fixed-income options, allowing customers to select investments based on their risk appetite and financial goals. However, the investment risk in the portfolio is borne by the policyholder, and fund values remain subject to market risks.
The plan also incorporates benefits aimed at encouraging long-term policy continuity. Eligible policies will receive Loyalty Additions and Wealth Boosters. Additionally, eligible policyholders will receive a return of premium allocation charges and mortality charges at maturity, subject to the applicable policy conditions. The plan does not levy policy administration charges.
Another feature is the Systematic Withdrawal Facility, which enables policyholders to receive periodic payouts from their fund value after completing five policy years. The facility is intended to provide access to accumulated funds for planned financial requirements while allowing the remaining investment to stay invested. Policyholders can also make unlimited fund switches without additional switching charges, subject to the policy's terms and conditions.
Commenting on the launch, Mr. Jude Gomes, Managing Director & CEO, Ageas Federal Life Insurance, said, “Every stage of life brings new aspirations, responsibilities and promises we make to ourselves and our loved ones. At Ageas Federal Life Insurance, we believe our role goes beyond offering financial solutions; it is about being a trusted partner through these evolving journeys and helping customers move closer to the future they envision. With ‘Wealth Infinity’, we continue to strengthen this commitment by empowering individuals and families to pursue their aspirations and build a lasting financial legacy. This reflects our belief in making every Promise Possible, today and at every stage of life.”
Wealth Infinity has a minimum annual premium of Rs. 2 lakh, while the minimum Single Pay premium is Rs. 5 lakh. The plan is designed for customers seeking a structured, long-term wealth creation approach alongside life insurance protection.
The Wealth Infinity Plan is available subject to applicable eligibility criteria and policy terms and conditions. Further details are available at Ageas Federal Life Insurance's official website.
Ageas Federal Life Insurance offers wealth management, protection and retirement solutions to individual and corporate customers. The company is a joint venture between Ageas, a multinational insurance group headquartered in Europe, and Federal Bank, one of India's leading private sector banks.
The insurer commenced operations in 2008 and achieved breakeven within five years. It has established a nationwide presence through a network of more than 3,800 branches, including partner bank branches, along with a sizeable advisor network.
As of March 31, 2026, Ageas Federal Life Insurance had issued more than 17.75 lakh policies with a sum assured exceeding Rs. 71,694 crore. Its total assets under management stood at more than Rs. 20,035 crore, while its capital base exceeded Rs. 800 crore.
About The Author
Comment List