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Written bySumit Narulaverification-badge
Investment Writer
Published 4th December 2025
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Reviewed byPrateek Pandeyverification-badge
Last Modified 4th December 2025
Investment Expert
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What is a Medium Risk Investment?

Medium‍‌‍‍‌‍‌‍‍‌ or moderate-risk investments are aimed at generating stable returns with a fair level of safety. This investment strategy is appropriate for those who have a moderate risk appetite.

The following features define a moderate-risk investment.

  • Balanced allocation: It has a mix of equity (for growth) and debt instruments (for stability) in a fixed proportion
  • Long-term outlook: Recommended for goals with a time horizon of 5 years or more
  • Diversification: Designed to reduce the risk of loss through the distribution of funds in different sectors, areas, or instruments
  • Capital protection with growth potential: Focused on preserving investment value while achieving moderate returns, although the risk is not completely eliminated
  • Steady returns: Mostly generates moderate profit, approximately 8-12% annually, depending on market conditions and asset mix

Appeal of Medium Risk Investments

Harmony is the primary attraction of medium-risk investments. They are a reliable way of building wealth, as market fluctuations do not affect your investments.

Here are 5 reasons why investors choose moderate-risk investments:

  • Balanced performance: Their gains are slightly higher than those of fixed deposits. Such investment instruments are less volatile than pure equities.
  • Adaptability: A diversified, moderate-risk portfolio and associated strategies adjust asset allocation based on its owner's varying life stages.
  • Inflation protection: Continuous investment in market-linked instruments is not advisable. They may eventually outperform relative to inflation.
  • Wealth accumulation: Small returns compounded over the years can grow the initial sum of money exponentially.
  • Emotional comfort: Investors who are not fond of sudden highs and lows often consider this approach.

For example, a 60% equity and 40% debt combination is a typical illustration of a low-risk, moderate-return investment strategy. It is a perfect blend of growth and security.

There are several different investment plans you can explore. However, mutual funds, ULIPs, or fixed deposits provide a balanced investment philosophy.

How to Approach Moderate Risk Investments?

Moderate-risk investment options are not just about selecting the right products. They also have to align with your objectives, your earnings, and risk appetite.

How to create a moderate-risk investment portfolio?

  • Figure out how much market fluctuations you can take
  • Understand your goals well before investing
  • Use a combination of asset classes
  • The longer the investment the better
  • Assess the performance of your investments regularly. If required, rebalance to reduce the risk

Some typical moderate risk Investment examples are,

  • Balanced or hybrid mutual funds
  • Guaranteed return investment plans
  • Corporate bonds or debt funds
  • Unit Linked Insurance Plans (ULIPs)
  • Index funds or ETFs

Products like ULIPs and hybrid investment plans offer features that let you switch between different fund types.

Online tools like retirement plan calculators allow you to compute your retirement fund. These tools factor in

your current and future needs to determine your optimal blend of investments.

The point of a moderate portfolio is,

  • To be disciplined and remain continuously aware of the risks
  • Not to make any hasty decisions based on market fluctuations
  • To ensure your needs are met before finalizing the terms of your investments
  • To consult a professional financial advisor if you have any doubts

Here, the aim is not to eliminate risk but to handle it well. Only then will you be able to manage your life goals.

Note: The‍‌ insurance sector and NPS have been two major contributors to local cash flow into the Indian stock market. Their combined net direct equity investments have crossed the Rs 1 lakh crore mark as of 2025. This is a record-high figure for these two segments in a single year.

Conclusion

Smart‍‌ investing involves balancing risk with returns. You, as a student as well as a professional, need to practise risk management in a disciplined manner. This will help you create a balanced portfolio that aligns with your long-term goals.

FAQs

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How can medium-risk investments benefit my portfolio?

Medium-risk investments balance growth and safety, and thus may offer better returns. Such investments often offset the impact of market fluctuations.

What factors should I consider before investing in medium-risk investment options?

You should assess your income, goals, time limit, and risk comfort before choosing investments.

What investment types are considered moderate?

Balanced mutual funds, ULIPs, debt funds, corporate bonds, and fixed-return savings plans are moderate investments.

Is moderate risk good?

Yes, it suits investors who seek stable growth for medium- to long-term goals without high risk.

What are the best medium-risk investments?

Popular options include hybrid funds, guaranteed return plans, ULIPs, and index funds with moderate growth.

ARN: Nov25/Bg/14G

https://www.business-standard.com/finance/personal-finance/multi-asset-allocation-funds-investment-option-in-a-volatile-market-125031900345_1.html?utm

https://www.business-standard.com/finance/personal-finance/let-it-soar-or-go-safe-but-slow-how-should-you-invest-your-inherited-money-124120600162_1.html?utm

https://www.financialexpress.com/money/explainer-specialised-investment-fund-why-the-new-asset-class-is-made-for-the-moderate-risk-taker-3697873/?utm

https:https://www.moneycontrol.com/news/business/earnings/insurance-nps-pump-record-rs-1-lakh-crore-into-indian-equities-in-2025-so-far-13665532.html?utm

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Last updated on 4th December 2025
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IRDAI clarifies to public that:
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IRDAI - Registration No. 104. ARN/Web/13122024 Category: Life. Validity: Valid.
Corporate Identity Number (CIN): U74899PB2000PLC045626.
Corporate Office: Axis Max Life Insurance Ltd. 11th Floor, DLF Square, Building, Jacaranda Marg, DLF Phase 2, Sector 25, Gurugram, Shahpur, Haryana 122002

For any query regarding this website, please reach out to:

Name: Alok MishraDesignation: Website Manager
Email ID:
service.helpdesk@axismaxlife.com

DISCLAIMERS

Axis Max Life Insurance Limited (earlier known as Max Life Insurance Company Limited) is a Joint Venture between Max Financial Services Limited and Axis Bank Limited.

Corporate Office: Axis Max Life Insurance Ltd. 11th Floor, DLF Square Building, Jacaranda Marg, DLF City Phase II, Gurugram (Haryana) - 122002.

Operation Center: Axis Max Life Insurance Ltd, Plot No. 90C, Udyog Vihar, Sector 18, Gurugram (Haryana) - 122015.

Customer Helpline: 1860 120 5577 (9:00 A.M to 6:00 P.M Monday to Saturday) * Call charges apply.

Online Sales Helpline - 0124 648 8900 (09:00 AM to 09:00 PM Monday to Saturday).

Fax Number: 0124-4159397.

Email ID: service.helpdesk@axismaxlife.com

Website: https://www.axismaxlife.com

Axis Max Life Insurance is integrated with licensed NBFC FinVu (Cookiejar Technologies Pvt. Ltd. for sharing policy details with regulated Financial Information Users within the Account Aggregator ecosystem after obtaining the Policy holder's consent. Read more about Account Aggregator framework here

*Life insurance coverage is available in this product. For more details on risk factors, Terms and Conditions please read the prospectus carefully before concluding a sale. You may be entitled to certain applicable tax benefits on your premiums and policy benefits. Please note all the tax benefits are subject to tax laws prevailing at the time of payment of premium or receipt of benefits by you. Tax benefits are subject to changes in tax laws.

Insurance is the subject matter of solicitation. For more details on the risk factors, Terms and Conditions, please read the sales and rider prospectus carefully before concluding a sale. Tax benefits are eligible for tax exemption on fulfilling conditions mentioned under Section 10(10D) of income tax act 1961. Tax exemptions are as per our understanding of law and as per prevailing provisions of income tax at 1961. Policy holders are advised to consult tax expert for better clarification /interpretation. Please note that all the tax benefits are subject to tax laws at the time of payment of premium or receipt of policy benefits by you. Tax benefits are subject to changes in tax laws. The monthly Income Benefit and Terminal Benefit may be taxable subject to extra premium being loaded at underwriting stage.

Celeb disclaimer (if images being used):

The Brand Ambassadors as depicted herein, have endorsed only the Axis Max Life Insurance Products and are not in any manner endorsing Axis Bank Limited and / or any other Bank Partner of Axis Max Life Insurance and do not have any kind of association or relationship with Axis Bank Limited and / or any other Bank Partner of Axis Max Life Insurance

Disclaimers for Market Linked Plans & Saving plans:

THE UNIT LINKED INSURANCE PRODUCTS DO NOT OFFER ANY LIQUIDITY DURING THE FIRST FIVE YEARS OF THE CONTRACT. THE POLICYHOLDER WILL NOT BE ABLE TO SURRENDER/WITHDRAW THE MONIES INVESTED IN LINKED INSURANCE PRODUCTS COMPLETELY OR PARTIALLY TILL THE END OF FIFTH YEAR.

Unit Linked Insurance Products (ULIPs) are different from the traditional insurance products and are subject to the risk factors. The premium paid in the Unit Linked Life Insurance Policies is subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. Axis Max Life Insurance is only the name of the insurance company and Axis Max Life Online Savings Plan (UIN: 104L098V06) is only the name of the unit linked life insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns. Please know the associated risks and the applicable charges from your Insurance agent or the Intermediary or policy document of the insurer. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these funds, their future prospects or returns.

#4Axis Max Life Online Savings Plan. A unit-linked non-participating individual life insurance plan. | Axis Max Life Insurance Limited is only the name of the insurance company and Axis Max Life Insurance Online Savings Plan (UIN: 104L098V06) is only the name of the unit linked insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns.

*1The aggregate annualized premium should not be more than 5 lakhs (one or more policies put together) for non-linked non-par savings insurance plan in any given year of policy term to be eligible for Section 10 (10D) exemption.

*3All claims that qualify for InstaClaim will be paid within 3 hrs from the date of submission of all mandatory documents else Axis Max Life will pay interest at prevailing Bank Rate as on beginning of Financial Year in which claim has been received for every day of delay beyond one working day. Interest shall be at the bank rate that is prevalent at the beginning of the financial year in which death claim has been received. Mandatory Documents: Original policy document; Original/attested copy of death certificate issued by local municipal authority; Death claim application form (Form A); NEFT mandate form attested by bank authorities along with a cancelled cheque of bank account passbook along with nominee's photo identity proof; Discharge/Death summary attested by hospital authorities or FIR & Post Mortem Report/Viscera Report (in case of accident death).

*#Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your Insurer carrying on life insurance business. The assumed rates of return (4% p.a. and 8% p.a.) shown in the illustrative example are not guaranteed and they are not the upper or lower limits of what you might get back as the value of your Policy depends on a number of factors including future investment performance. The guaranteed and non-guaranteed benefits are applicable only if all due premiums are paid. The Maturity Benefit shown in the illustrative example are inclusive/exclusive of taxes.

Privacy Policy

^^On completion of policy term

The savings indicated is the maximum premium difference as compared with offline plan & depends on the variant purchased.

Claims for policies completed 3 continuous years. All mandatory documents should be submitted before 3:00pm on a working day. Claim amount on all eligible policies4 is less than Rs. 1 Crore. Claim does not warrant any field verification. Mandatory Documents:

> Original policy document

> Original/attested copy of death certificate issued by local municipal authority

> Death claim application form (Form A)

> NEFT mandate form attested by bank authorities along with a cancelled cheque or bank account passbook along with nominee’s photo identity proof

> Discharge/Death summary attested by hospital authorities or FIR & Post Mortem Report/viscera report (in case of accidental death)

1The 5% employee discount will be refunded to you once your policy is issued. Submit your documents for getting your policy issued and get 5% employee discount

2Total premium will be charged at the time of the policy issuance (subject to underwriting’s decision).

315% discount is applicable only on the first year premium for salaried employees with a corporate, purchasing Axis Max Life Smart Term Plan Plus (UIN: 104N127V04). During policy issuance, Axis Max Life may call for proof of employment if required. In case proposer when asked is not able to prove the employment part, discount offer will be discontinued and additional premium as applicable will have to be paid for processing of the case. 15% discount (applied on standard male premium rates) is applicable for lifetime for females.

4InstaClaim TM is available for all versions of (UIN: 104N125V08). Mandatory Documents:

  • Original policy document
  • Original/attested copy of death certificate issued by local municipal authority
  • Death claim application form (Form A)
  • NEFT mandate form attested by bank authorities along with a cancelled cheque or bank account passbook along with nominee’s photo identity proof
  • Discharge/Death summary attested by hospital authorities or FIR & Post Mortem Report/viscera report (in case of accidental death)

5Criteria applicable only for “Term plans” for Graduate, Indian resident with declared income >= 10 lacs with CIBIL score >= 650 (salaried) and >= 700 (self-employed) with no disclosed medical condition

6Applicable for Titanium variant of Axis Max Life Smart Fixed- return Digital plan (premium payment of 10 years and policy term of 30 years) and a healthy female of 18 years paying Rs 30,000/- per month (exclusive of all applicable taxes) with 6.80% return. Life Insurance is available with this product.

7Available with Axis Max Life Smart Wealth Plan (UIN: 104N116V14)

8Available with Axis Max Life Smart Fixed-return Digital Plan (UIN: 104N123V06). The guaranteed benefits are available with selected life insurance plans & are applicable if all due premiums are paid.

9This is applicable for a 24-Year Old Healthy Male, Non-Smoker, 25 Years Policy Term, 25 Year Premium Payment Term for Axis Max Life Smart Secure Plus Plan (UIN: 104N118V11).

10This is applicable for a 25-Year Old Healthy Male, Non-Smoker, 40 Years Policy Term, 40 Year Premium Payment Term for Axis Max Life Saral Jeevan Bima (UIN: 104N117V02).

##Tax conditions :

##Save 46,800 on taxes if the insurance premium amount is Rs.1.5 lakh per annum and you are a Regular Individual, fall under 30% income tax slab having taxable income less than Rs. 50 lakhs and Opt for Old tax regime ~# Save 54,600 on taxes if the insurance premium amount is Rs.1.5 lakh per annum for life cover and 25,000 for critical illness cover and you are a Regular Individual, fall under 30% income tax slab having taxable income less than Rs. 50 lakhs and Opt for Old tax regime.

CI Rider disclaimers:

AXIS MAX LIFE CRITICAL ILLNESS AND DISABILITY RIDER (UIN: 104B033V02) available as a rider on payment of additional premium.

>Extended cover of up to 85 years is available with gold and platinum variant only

@64 critical illnesses covered in platinum and platinum plus variant on payment

22 critical illnesses covered in gold and gold plus variant

*^Total premiums paid inclusive of any extra premium but exclusive of all applicable taxes, cesses or levies and modal extra. Return of premium option is available on payment of additional premium.

~Conditions for premium break: Available at an additional premium for policies with policy term greater than 30 years and premium payment term greater than 21 years. Option to skip paying premium for 12 months. 2 premium breaks will be available during the premium payment term separated by an interval of at least 10 years

~1 Conditions for Special exit value:

Option to receive all premiums paid back, at a specified point in the term of the policy (free of cost). Available when Return of Premium variant is not chosen. No additional premium to be paid.

~2 Voluntary Top-up Sum assured:

Option to double your insurance cover, basis underwriting, at the time of your need by increasing your sum assured up to an additional 100% of base sum assured, chosen at inception

^^*^^Free look period conditions:

The policyholder has a period of 30 days from the date of receipt of the policy document, to review the terms and conditions of the Policy, where if the policyholder disagrees to any of those terms or conditions, he / she has the option to return the Policy stating the reasons for his objections. The policyholder shall be entitled to a refund of the premiums paid, subject only to deduction of a proportionate risk premium for the period of cover and the expenses incurred by the company on medical examination of the lives insured and stamp duty charges.

^Individual Death Claims Paid Ratio as per audited financials for FY 2024-2025

#1A flat 15% discount on the premium will be applicable throughout the Premium Payment Term for Female Life Insured with Axis Max Life Smart Term Plan Plus (UIN: 104N127V04).

#3Tax benefits as per prevailing tax laws, subject to change

Terms and conditions for availing 5% employee discount:

<Due to system constraints, employee is requested to select 5 Lakh and above income which can be changed to actual amount on the information page.

Past performance of the investment funds do not indicate the future performance of the same. Investors in the Scheme are not being offered any guaranteed / assured returns. The premiums & funds are subject to certain charges related to the fund or to the premium paid.

The premium shall be adjusted on the due date even if it has been received in advance.

For Total Installment Premium - Total Installment Premium is the Premium payable as per premium paying frequency chosen, it excludes applicable taxes, cesses or levies, if any; and includes loadings for modal premiums, Underwriting Extra Premium and Rider Premiums if any.

For Return of Premium - The Return of Premium Option is available on payment of Additional Premium. Premium does not include amount paid for riders and is excluding taxes, cesses and levies. Upon Policyholder's selection of Return of Premium variant this product shall be a Non-Linked Non-Participating Individual Life Insurance Savings Plan.

For Riders - #Applicable Rider available on the payment of Additional Premium is Axis Max Life Critical Illness and Disability Rider | Non-Linked Non-Participating Individual Pure Risk Health Insurance Rider | UIN: 104B033V02. Critical Illness and Disability Rider variant opted is Platinum Plus which covers 64 critical Illnesses. The rider cover will only be paid in scenarios where customer is diagnosed with listed 64 critical illnesses or total and permanent disability. Rider will terminate after major critical illness claim is paid to the policyholder. In case customer requests for cancellation of rider only, the solution as a whole will be cancelled and not just the individual rider.

For Additional Benefits– ##On Payment of Additional Premium. The accident cover will only be paid in scenarios where death occurs due to accident.

*~Disclaimers

Axis Max Life Smart Secure Plus Plan. A non-linked non-participating individual pure risk life insurance plan |Benefit available with special exit value -Total premium paid inclusive of any extra premium but exclusive of all applicable taxes, cesses or levies & modal extra. The premium calculated as per Standard premium for 30-year-old healthy male, non-smoker, 40 years’ policy term, 40 years’ premium payment term for Axis Max Life Smart Secure Plus Plan.

##Policy continuance benefit is not available with lifelong wealth variant. **The accrued income will be accumulated on an annual basis at the prevailing reverse repo rate (publish on RBI’s website).

#With “Save the date”, you can choose to take your annual income to any special date in a year.

***Available with early wealth variant. Income benefit will be paid as per selected plan terms.

~Accidental death benefit is available in call variants except for Single premium variant. Life insurance coverage is available in this product.

#~Term Insurance plan bought online directly from Axis Max Life Insurance has no commissions involved.

~1Axis Max Life Smart Secure Plus Plan, A non-linked non-participating Individual Pure Risk Life Insurance Plan | Standard Premium for 30 year old healthy male, non-smoker, 40 years policy term, 40 year premium payment term for Axis Max Life Smart Secure Plus Plan | ~1 Conditions for special exit value: Option to receive all premiums paid back, at a specified point in the term of the policy (free of cost). Available when Return of premium variant is not chosen. No additional premium to be paid. Option to receive all premiums back. Flexibility of exiting the plan early. Special Exit Value cover applicable till age 68 & above (of your age). T&C Apply.

@>Axis Max Life Critical Illness and Disability Rider (UIN 104B033V02) is available with your term plan on payment of additional premium. It covers 64 critical illnesses under Platinum & Platinum Plus variant.

#Available on Payment of Additional Premium. The accident cover will only be paid in scenarios where death occurs due to accident.

^1Disclaimer: Standard premium for 24-year old healthy male, non-smoker, 25 years policy term,25 year premium payment term for Axis Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V08) with a life cover of Rs. 50 lakh.

^2Disclaimer: Standard premium for 24-year old healthy male, non-smoker, 25 years policy term,25 year premium payment term for Axis Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V08) with a life cover of Rs. 75 lakh.

^4Disclaimer: Standard premium for 24-year old healthy male, non-smoker, 25 years policy term,25 year premium payment term for Axis Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V08) with a life cover of Rs. 1.5 Cr.

^5Disclaimer: Standard premium for 24-year old healthy male, non-smoker, 25 years policy term,25 year premium payment term for Axis Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V08) with a life cover of Rs. 2 Cr.

^6Disclaimer: Standard premium for 24-year old healthy male, non-smoker, 25 years policy term, 25 year premium payment term for Axis Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V08) with a life cover of Rs. 5 Cr.

^7Disclaimer: Standard premium for 24-year old healthy male, non-smoker, 25 years policy term, 25 year premium payment term for Axis Max Life Smart Term Plan Plus (UIN: 104N127V04) - Regular Cover with a life cover of Rs. 1 Cr.

~*Disclaimer: Standard premium for 24-year old healthy female,non-smoker, 25 years policy term, 25 year premium payment term for Axis Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V08)

^~Disclaimer: 5 year return (CAGR – Compound Annualised Growth Rate) from Axis Max Life High Growth Fund (ULIF01311/02/08LIFEHIGHGR104) as on 30/06/2025

^~The assumed rates of return (4% p.a. and 8% p.a.) shown in the illustrative example are not guaranteed and they are not the upper or lower limits of what you might get back. The value of your policy depends on a number of factors including future investment performance. The amount shown is for a 30-year-old healthy male, with 10 years premium payment term, and 35 years policy term with Axis Max Life Online Saving Plan (Unit Linked Non Participating Individual Life Insurance Plan | Life Insurance is available in this product).

*++Axis Max Life's Nifty Alpha 50 Fund tracks the NSE's Nifty Alpha 50 Index, subject to tracking error. The above values have been calculated by projecting historical returns of the Nifty Alpha 50 index, after adjusting for all expenses, except the tracking error, in Axis Max Life online savings plan (variant 1) for a 35-year-old male investing 10k per month for 10 years and maturity after 20 years. The calculations have been done using historical returns of the Nifty Alpha 50 index and may not be indicative of the future performance of Axis Max Life's Nifty Alpha 50 Fund. The above values have been calculated basis 10 year returns of 26.4% (30th Apr'24) of the Nifty Alpha 50 Index.

*+Nifty Mid-cap 150 Momentum 50 Index was launched in Aug’22. These are returns of benchmark indices and are not indicative of return on Axis Max Life Insurance’s Midcap Momentum Index fund. 10 year return of NIFTY Midcap 150 Momentum 50 Index as on 27/05/2024. Max Life Midcap Momentum Index Fund (SFIN: ULIF02802/01/24MIDMOMENTM104) is passively managed Index Fund that mirrors NIFTY Midcap 150 Momentum 50 Index.

*&10 year return of Nifty Smallcap 250 Quality 50 Index as on 30/04/2024. The past returns are extrapolation of index fund returns up to past 10 years using same formula (provided by NSE). The returns are not indicative of the future performance of the fund. Axis Max Life Nifty Smallcap Quality Index Fund is passively managed Index Fund that mirrors Nifty Smallcap 250 Quality 50 Index. The objective of the fund is to invest in companies with similar weights as in the index and generate returns as closely as possible, subject to tracking error.

**@Axis Max Life's Forever Young Pension Plan (UIN: 104L075V07) is a Unit Linked Pension Plan. Axis Max Life Insurance is only the name of the insurance company and Axis Max Life Forever Young Pension Plan (UIN: 104L075V07) is only the name of the unit linked pension product and does not in any way indicate the quality of the contract, its future prospects or returns. The premium paid in the Unit Linked Policies is subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions.

++*A tax-free commutation of up to 60% of the vesting benefit can be availed. Tax benefits are subject to condition under Sections 80CCC, 10(10A), 115BAC and other provisions of the Income Tax Act, 1961. Goods and Services tax and Cesses, if any will be charged extra as per prevailing rates. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for more details.

^*All claims that qualify for InstaClaim will be paid within 3 hrs from the date of submission of all mandatory documents else Axis Max Life will pay interest at prevailing Bank Rate as on beginning of Financial Year in which claim has been received for every day of delay beyond one working day. Interest shall be at the bank rate that is prevalent at the beginning of the financial year in which death claim has been received. Mandatory Documents: Original policy document; Original/attested copy of death certificate issued by local municipal authority; Death claim application form (Form A); NEFT mandate form attested by bank authorities along with a cancelled cheque of bank account passbook along with nominee's photo identity proof; Discharge/Death summary attested by hospital authorities or FIR & Post Mortem Report/Viscera Report (in case of accident death).

#*Axis Max Life Insurance’s Sustainable Wealth 50 Index Fund (SFIN: ULIF03223/12/24SUSTWEALTH104), which is a passively managed Index Fund that mirrors Axis Max Life Sustainable Yield Index, subject to tracking error. The fund value calculation is done by projecting historical returns of Axis Max Life Sustainable Yield Index, after adjusting for all expenses (except tracking error) in Axis Max Life Flexi Wealth Advantage Plan (UIN: 104L121V04) for a 30-year-old male investing 5k/10k per month for 20/10 years. The above values have been calculated assuming 25.2% p.a. gross investment returns as in Nov'24, which is the 10-year return of Axis Max Life Sustainable Yield Index. (back tested).

@3Standard premium for 20-year old healthy male, non-smoker, 25 years policy term, 25 year premium payment term for Axis Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V08)| The above mentioned premium is the discounted monthly premium to be paid in 1st year. Discount is applicable only for salaried employees with a corporate, purchasing via web link. During policy issuance, Axis Max life may call for proof of employment if required. In case proposer when asked is not able to prove the employment part, discount offer will be discontinued and additional premium as applicable will have to be paid for processing of the case.

7Disclaimer: Rs. 1,00,29,587 after 14 years at policy maturity on monthly investment of Rs. 16,600 for 12 years for 30-year-old male with Axis Max Life Smart Wealth Plan – Long Term Variant. A non-linked non-participating individual life insurance savings plan. The guaranteed benefits are applicable only if all due premiums are paid. Life Insurance is available in this product.

@6Disclaimer: Standard premium for 20-year old healthy male, non-smoker, 25 years policy term, 25 year premium payment term for Regular Cover Variant of Axis Max Life Smart Term Plan Plus (UIN:104N127V04)| The above mentioned premium is the discounted monthly premium to be paid in 1st year. Discount is applicable only for salaried employees with a corporate. During policy issuance, Axis Max Life may call for proof of employment if required. In case proposer when asked is not able to prove the employment part, discount offer will be discontinued and additional premium as applicable will have to be paid for processing of the case.

@7Disclaimer: Standard premium for 20-year old healthy male, non-smoker, 25 years policy term, 25 year premium payment term for Regular Cover Variant of Axis Max Life Smart Term Plan Plus (UIN:104N127V04)| The above mentioned premium is the discounted monthly premium to be paid in 1st year. Discount is applicable only for salaried employees with a corporate. During policy issuance, Axis Max Life may call for proof of employment if required. In case proposer when asked is not able to prove the employment part, discount offer will be discontinued and additional premium as applicable will have to be paid for processing of the case.

@8Disclaimer: Standard premium for 20-year old healthy male, non-smoker, 25 years policy term, 25 year premium payment term for Regular Cover Variant of Axis Max Life Smart Term Plan Plus (UIN: 104N127V04)| The above mentioned premium is the discounted monthly premium to be paid in 1st year. Discount is applicable only for salaried employees with a corporate, purchasing via web link. During policy issuance, Axis Max Life may call for proof of employment if required. In case proposer when asked is not able to prove the employment part, discount offer will be discontinued and additional premium as applicable will have to be paid for processing of the case.

@9Disclaimer: Standard premium for 20-year old healthy Female, non-smoker, 25 years policy term, 25 year premium payment term for Axis Max Life Smart Term Plan Plus UIN:104N127V04| The above mentioned premium is the discounted monthly premium to be paid in 1st year. Discount is applicable only for salaried employees with a corporate. During policy issuance, Axis Max Life may call for proof of employment if required. In case proposer when asked is not able to prove the employment part, discount offer will be discontinued and additional premium as applicable will have to be paid for processing of the case.

Disclaimer: ~10 year CAGR of Nifty SmallCap 250 Quality50 index as on 24/07/2023. Axis Max Life Nifty Smallcap Quality Index Fund is passively managed Index fund that tracks the Nifty SmallCap 250 Quality50 index (subject to tracking error).

Disclaimer: @++ Axis Max Life’s NIFTY Momentum Quality 50 Fund (SFIN: ULIF03127/10/24MOMQUALITY104) is a passively managed Index Fund that mirrors NIFTY 500 Multicap Momentum Quality 50 Index, subject to tracking error. The fund value calculation is done by projecting historical returns of NIFTY 500 Multicap Momentum Quality 50 Index, after adjusting for all expenses (except tracking error) in Axis Max Life Online Savings Plan (UIN: 104L098V06) for a 30-year-old male investing 10k per month for 10 years. The above values have been calculated assuming 24.9% p.a. gross investment returns as on 16/10/2024, which is the 10-year return of NSE's NIFTY 500 Multicap Momentum Quality 50 Index (backtested)

Disclaimer: **+NIFTY 500 Momentum 50 Index was launched in June'24. The past returns are back tested based on historical returns and formula (provided by NSE). These are returns of benchmark indices as on 11 June’24 and are not indicative of returns on Axis Max Life Insurance’s newly launched NIFTY 500 Momentum 50 Fund. Axis Max Life’s NIFTY 500 Momentum 50 Fund (SFIN: ULIF03014/08/24MOMENFIFTY104) is a passively managed Index Fund that mirrors NSE’s NIFTY 500 Momentum 50 Index, subject to tracking error. The fund value calculation is done by projecting historical returns of NSE’s NIFTY 500 Momentum 50 Index, after adjusting for all expenses (except tracking error) in Axis Max Life Online Savings Plan (UIN: 104L098V06) for a 30-year-old male investing 10k per month for 10 years. The above values have been calculated assuming 25% p.a. gross investment returns as on 11 June'24, which is the 10-year return of NSE's NIFTY 500 Momentum 50 Index (backtested).

Disclaimer: #^Axis Max Life Smart Innovation Fund (SFIN: ULIF03301/03/25INNOVATION104), which is an actively managed fund does not have any past performance benchmarks. The above values have been calculated for a 35-year-old male investing 10k per month for 10 years assuming 20.8% p.a. gross investment returns basis 5 years’ performance of existing active fund with Axis Max Life Insurance, as on date 31st Jan'25 after adjusting for all expenses in Axis Max Life’s Capital Guarantee Plan which is combination of Axis Max Life Online Savings Plan (UIN: 104L098V06) and Axis Max Life Smart Wealth Advantage Guarantee Plan (UIN: 104N116V15). | Investors in this plan are not offered guaranteed/ assured returns. | The Unit Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender/withdraw the monies invested in Unit Linked Insurance Products completely or partially till the end of the fifth year. The premium shall be adjusted on the due date even if it has been received in advance. Applicable taxes, cesses and levies as imposed by the government from time to time will be deducted from the premiums received or from the funds, as applicable.

Disclaimer: @$The Nifty500 Multifactor MQVLv 50 Index was launched in Feb’25. The past returns are back tested based on historical returns and formula (provided by NSE). These are returns of benchmark indices and are not indicative of return on Axis Max Life Insurance’s NIFTY 500 Multifactor 50 Index fund. Axis Max Life’s NIFTY 500 Multifactor 50 Index fund (SFIN: ULIF03414/05/25MULTIFACTO104) is a passively managed Index Fund that mirrors NSE’s Nifty500 Multifactor MQVLv 50 Index, subject to tracking error. The fund value calculation is done by projecting historical returns of NSE’s Nifty500 Multifactor MQVLv 50 Index, after adjusting for all expenses (except tracking error) Axis Max Life’s Online Savings Plan (UIN: 104L098V06)) for a 30-year old male investing 5K/10K per month for 10 years. The above return values have been calculated assuming 21% p.a. gross investment returns, which is the returns since inception of NSE's Nifty500 Multifactor MQVLv 50 Index (backtested) as on 24th April 2025. For FWAP, replace Axis Max Life’s Online Savings Plan (UIN: 104L098V06) with Axis max Life’s Flexi Wealth Advantage Plan (UIN: 104L121V04).

Disclaimer: %$The Nifty500 Multifactor MQVLv 50 Index was launched in Feb’25. The past returns are back tested based on historical returns and formula (provided by NSE). These are returns of benchmark indices and are not indicative of return on Axis Max Life Insurance’s NIFTY 500 Multifactor 50 Index Pension Fund. Axis Max Life’s NIFTY 500 Multifactor 50 Index Pension Fund (SFIN: ULIF03523/06/25PENSMULFAC104) is a passively managed Index Pension Fund that mirrors NSE’s Nifty500 Multifactor MQVLv 50 Index, subject to tracking error. The fund value calculation is done by projecting historical returns of NSE’s Nifty500 Multifactor MQVLv 50 Index, after adjusting for all expenses (except tracking error) Axis Max Life’s Forever Young Plan (UIN: 104L075V07) for a 30-year old male investing 10K/20k per month for 10 years. The above return values have been calculated assuming 21% p.a. gross investment returns, which is the returns since inception of NSE's Nifty500 Multifactor MQVLv 50 Index (backtested) as on 10th June 2025.

Disclaimer: ^$The fund value calculation is done by projecting returns of NSE's Nifty 500 Multifactor MQVLv 50 Index at 21% gross investment returns ( which is the return since inception (backtested) as on June 10, 2025), after adjusting for all expenses (except tracking error) in Axis Max Life’s Forever Young Pension Plan (UIN: 104L075V07). The pension amount has been calculated assuming that the proceeds from the entire corpus available at the time of maturity of Forever Young Pension Plan (UIN: 104L075V07) has been used to purchase Smart Guaranteed Pension Plan (UIN: 104N122V21) Single Life Immediate Annuity for life (with death benefit) option.

Disclaimer: %^BSE 500 Enhanced Value 50 Index was launched in May'25. The past returns are back tested based on historical returns and formula (provided by BSE). These are returns of benchmark indices and are not indicative of return on Axis Max Life Insurance’s BSE 500 Value 50 fund. Axis Max Life’s BSE 500 Value 50 Fund (SFIN: ULIF03623/07/25BSEVALUEIN104) is a passively managed Index Fund that mirrors BSE 500 Enhanced Value 50 Index, subject to tracking error. The fund value calculation is done by projecting historical returns of BSE 500 Enhanced Value 50 Index, after adjusting for all expenses (except tracking error) in Axis Max Life’s Flexi Wealth Advantage Plan (UIN: 104L121V04) for a 30 year old male investing 10K per month for 10 years. The above values have been calculated assuming 22.4% p.a. gross investment returns, which is the 7-year returns of BSE 500 Value 50 Index as on 16th July 2025.

Disclaimer: $^The returns shown above are based on the past performance of Axis Max Life’s High Growth Fund (SFIN: ULIF01311/02/08LIFEHIGHGR104). These are past returns and are not indicative of return on Axis Max Life Insurance’s High Growth Pension Fund. Axis Max Life’s High Growth Pension Fund (SFIN: ULIF03722/09/25PENSHIGHGR104) is an actively managed pension fund, with an objective to invest in mid cap equities, where predominant investments are equities of companies with high growth potential in the long term. The fund value calculation is done by projecting the past returns of AMLI’s High Growth Fund after adjusting for all expenses in Axis Max Life’s Forever Young Pension Plan (UIN: 104L075V07) for a 30 year old male investing 5K/10K/20K/30K per month for 10 years. The above value(s) have been calculated assuming 21.4% p.a. gross investment returns, which is the past 7-years returns of Axis Max Life’s High Growth Fund.

Disclaimer: $@The returns shown above are based on the past performance of Axis Max Life Insurance’s High Growth Fund (SFIN: ULIF01311/02/08LIFEHIGHGR104). These are past returns and are not indicative of return of Axis Max LIfe's India Consumption Opportunities Fund (SFIN: ULIF03807/10/25INDIACONSU104). AMLI's India Consumption Opportunities Fund is an actively managed fund, with an objective to achieve long-term capital appreciation by investing in equity instruments of companies operating in the consumption sector and its related or allied industries. The fund value calculation is done by projecting the past returns of AMLI’s High Growth Fund after adjusting for all expenses in Axis Max Life’s Flexi Wealth Advantage Plan (UIN: 104L121V04) for a 30 year old male investing 5K/10K/15K/30K per month for 10 years. The above values have been calculated assuming 22.7% p.a. gross investment returns, which is the past 7-years returns of AMLI’s High Growth Fund.

Disclaimer: #$BSE 500 Dividend Leaders 50 Index was launched in Mar'25. The past returns are back tested based on historical returns and formula (provided by BSE). These are returns of benchmark index and are not indicative of return of Axis Max Life Insurance’s BSE 500 Dividend Leaders 50 Index fund. Axis Max Life’s BSE 500 Dividend Leaders 50 Index Fund (SFIN:ULIF03907/11/25BSEDIVLEAD104 ) is a passively managed Index Fund that mirrors BSE 500 Dividend Leaders 50 Index, subject to tracking error. The fund value calculation is done by projecting historical returns of BSE 500 Dividend Leaders 50 Index, after adjusting for all expenses (except tracking error) in Axis Max Life’s Flexi Wealth Advantage Plan (UIN: 104L121V04) for a 30 year old male investing INR 5K/10K per month for 10 years. The above values have been calculated assuming 22.3% p.a. gross investment returns. The index fund is expected to generate similar returns as of the benchmark returns, however due to expenses, portfolio deviations (because of timing of investments/flows) and regulatory restrictions (sector limits)returns of the AMLI fund and benchmark may differ.

The maturity amount shown above is for a 30-year old healthy male who invests Rs. 5K/10K per month for 10 years and remains invested for 20 years. The total premium to be paid (excl. GST) in 10 years will be Rs. 6 Lakhs/12 lakhs. The guaranteed benefits are available under Axis Max Life Smart Wealth Advantage Guarantee Plan (UIN:104N124V15) & are applicable if all the premiums are paid.

Capital Guarantee solution is a combination of benefits of two individual and separate products named Max Life Online Savings Plan, A Unit Linked Non Participating Individual Life Insurance Plan (UIN: 104L098V06) and Max Life Smart Wealth Advantage Guarantee Plan, (A Non Linked Non-Participating Individual Life Insurance Savings Plan, UIN: 104N124V15). These products are also available for sale individually without the combination offered/suggested. This benefit illustration is the arithmetic combination and chronological listing of combined benefits of individual products. The customer is advised to refer to the detailed sales brochure of respective individual products mentioned herein before concluding the sale.

Disclaimer: $1The returns shown above are based on the past performance of BSE 500 Dividend Leaders 50 Index. These are past returns and are not indicative of return on Axis Max Life Insurance’s BSE 500 Dividend Leaders 50 Index Fund. AMLI BSE 500 Dividend Leaders 50 Index Fund (SFIN: ULIF04017/11/25PENDIVLEAD104) is a passively managed pension fund, with an objective invest in a basket of stocks drawn from the constituents of BSE 500 Dividend Leaders 50 Index. The fund will invest in companies with similar weights as in the index and generate returns as closely as possible, subject to tracking error and regulatory restrictions (sectoral limits).

The fund value calculation is done by projecting the past returns of BSE 500 Dividend Leaders 50 Index after adjusting for all expenses in Axis Max Life’s Forever Young Pension Plan (UIN: 104L075V07) for a 30 year old male investing 5K/10K per month for 10 years. The above values have been calculated assuming 22.3% p.a. gross investment returns, which is the past 7-years returns of BSE 500 Dividend Leaders 50 Index Fund (Back-tested).

Disclaimer: ^*Axis Max Life's Flexi Wealth Advantage Plan (UIN: 104L121V04) is a Unit Linked Pension Plan. Axis Max Life Insurance is only the name of the insurance company and Axis Max Life Flexi Wealth Advantage Plan (UIN: 104L121V04) is only the name of the unit linked pension product and does not in any way indicate the quality of the contract, its future prospects or returns. The premium paid in the Unit Linked Policies is subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions.

Please note, while our website has been updated with the changed corporate name and brand identity, our product collaterals will be updated in due course. We regret any inconvenience caused.

Disclaimer: @^Not taxable in India as per DTAA subject to providing valid TRC, No Permanent establishment certificate and Form 10F. This clause holds true for:

a) Kuwait, Saudi Arabia & UAE: Applicable for both Traditional (Non-ULIPs) & Capital Gains (ULIPs).
b) Oman & Qatar: Applicable for only Capital Gains (ULIPs).

Disclaimer: ^8The award is for product Axis Max Life Smart Term Plan Plus, winner under Life Insurance Term Plan category as per survey of 1800 people by NielsonIQ across categories.

Disclaimer: *6Check the Total Premium and monthly premium amounts for various sum assured in the below table.

For Sum assured of 75 lakh, 1 crore, 1.5 crore and 2 crore, the below calculations are based on Axis Max Life Smart Total Elite Protection Term Plan (A Non Linked Non Participating Individual Pure Risk Life Insurance Plan, UIN: 104N125V08). Monthly premium amounts are before any applicable discounts assuming Regular Pay and monthly payment mode.

Age of Male ApplicantPremium Amount for Rs. 75 lakh Term PlanPremium Amount for Rs. 1 crore Term PlanPremium Amount for Rs. 1.5 crore Term PlanPremium Amount for Rs. 2 crore Term Plan
SmokerNon-SmokerSmokerNon-SmokerSmokerNon-SmokerSmokerNon-Smoker
18 Years (PPT: 67 years)1,488/Month
Total Premium: 11.33 lakh		930/Month
Total Premium: 7.08 lakh		1,500/Month
Total Premium: 11.42 lakh		938/Month
Total Premium: 7.14 lakh		2,251/Month
Total Premium: 17.14 lakh		1,407/Month
Total Premium: 10.71 lakh		2,675/Month
Total Premium: 20.37 lakh		1,672/Month
Total Premium: 12.73 lakh
25 Years (PPT: 60 years)1,966/Month
Total Premium: 13.40 lakh		1,228/Month
Total Premium: 8.38 lakh		2,054/Month
Total Premium: 14.01 lakh		1,284/Month
Total Premium: 8.75 lakh		3,081/Month
Total Premium: 21.01 lakh		1,926/Month
Total Premium: 13.13 lakh		3,607/Month
Total Premium: 24.59 lakh		2,255/Month
Total Premium: 15.37 lakh
35 Years (PPT: 50 years)3,182/Month
Total Premium: 18.08 lakh		1,989/Month
Total Premium: 11.30 lakh		3,592/Month
Total Premium: 20.41 lakh		2,245/Month
Total Premium: 12.76 lakh		5,388/Month
Total Premium: 30.61 lakh		3,367/Month
Total Premium: 19.13 lakh		5,947/Month
Total Premium: 33.79 lakh		3,717/Month
Total Premium: 21.12 lakh
45 Years (PPT: 40 years)5,971/Month
Total Premium: 27.14 lakh		3,732/Month
Total Premium: 16.96 lakh		6,629/Month
Total Premium: 30.13 lakh		4,143/Month
Total Premium: 18.83 lakh		9,944/Month
Total Premium: 45.20 lakh		6,215/Month
Total Premium: 28.25 lakh		12,546/Month
Total Premium: 57.02 lakh		7,841/Month
Total Premium: 35.64 lakh
55 Years (PPT: 30 years)11,656/Month
Total Premium: 39.74 lakh		7,285/Month
Total Premium: 24.83 lakh		13,719/Month
Total Premium: 46.77 lakh		8,574/Month
Total Premium: 29.23 lakh		20,578/Month
Total Premium: 70.15 lakh		12,861/Month
Total Premium: 43.84 lakh		26,160/Month
Total Premium: 89.18 lakh		16,350/Month
Total Premium: 55.74 lakh
60 Years (PPT: 25 years)16,846/Month
Total Premium: 47.86 lakh		10,529/Month
Total Premium: 29.91 lakh		19,966/Month
Total Premium: 56.72 lakh		12,479/Month
Total Premium: 35.45 lakh		29,949/Month
Total Premium: 85.08 lakh		18,718/Month
Total Premium: 53.18 lakh		37,689/Month
Total Premium: 107.07 lakh		23,555/Month
Total Premium: 66.92 lakh

 

 

Age of Female ApplicantPremium Amount for Rs. 75 lakh Term PlanPremium Amount for Rs. 1 crore Term PlanPremium Amount for Rs. 1.5 crore Term PlanPremium Amount for Rs. 2 crore Term Plan
SmokerNon-SmokerSmokerNon-SmokerSmokerNon-SmokerSmokerNon-Smoker
18 Years (PPT: 67 years)1,488/Month
Total Premium payable: 11.33 lakh		930/Month
Total Premium payable: 7.08 lakh		1,500/Month
Total Premium payable: 11.42 lakh		938/Month
Total Premium payable: 7.14 lakh		2,251/Month
Total Premium payable: 17.14 lakh		1,407/Month
Total Premium payable: 10.71 lakh		2,675/Month
Total Premium payable: 20.37 lakh		1,672/Month
Total Premium payable: 12.73 lakh
25 Years (PPT: 60 years)1,707/Month
Total Premium payable: 11.64 lakh		1,067/Month
Total Premium payable: 7.28 lakh		1,744/Month
Total Premium payable: 11.89 lakh		1,090/Month
Total Premium payable: 7.43 lakh		2,616/Month
Total Premium payable: 17.84 lakh		1,635/Month
Total Premium payable: 11.15 lakh		2,972/Month
Total Premium payable: 20.27 lakh		1,858/Month
Total Premium payable: 12.67 lakh
35 Years (PPT: 50 years)2,617/Month
Total Premium payable: 14.87 lakh		1,636/Month
Total Premium payable: 9.29 lakh		2,905/Month
Total Premium payable: 16.50 lakh		1,815/Month
Total Premium payable: 10.32 lakh		4,357/Month
Total Premium payable: 24.76 lakh		2,723/Month
Total Premium payable: 15.47 lakh		4,801/Month
Total Premium payable: 27.28 lakh		3,000/Month
Total Premium payable: 17.05 lakh
45 Years (PPT: 40 years)4,794/Month
Total Premium payable: 21.79 lakh		2,996/Month
Total Premium payable: 13.62 lakh		5,061/Month
Total Premium payable: 23.00 lakh		3,163/Month
Total Premium payable: 14.38 lakh		7,591/Month
Total Premium payable: 34.50 lakh		4,744/Month
Total Premium payable: 21.56 lakh		9,496/Month
Total Premium payable: 43.16 lakh		5,935/Month
Total Premium payable: 26.98 lakh
55 Years (PPT: 30 years)8,883/Month
Total Premium payable: 30.28 lakh		5,552/Month
Total Premium payable: 18.93 lakh		10,102/Month
Total Premium payable: 34.44 lakh		6,314/Month
Total Premium payable: 21.52 lakh		15,153/Month
Total Premium payable: 51.66 lakh		9,471/Month
Total Premium payable: 32.29 lakh		19,378/Month
Total Premium payable: 66.06 lakh		12,111/Month
Total Premium payable: 41.29 lakh
60 Years (PPT: 25 years)12,611/Month
Total Premium payable: 35.83 lakh		7,882/Month
Total Premium payable: 22.39 lakh		14,826/Month
Total Premium payable: 42.12 lakh		9,266/Month
Total Premium payable: 26.32 lakh		22,239/Month
Total Premium payable: 63.18 lakh		13,899/Month
Total Premium payable: 39.49 lakh		27,941/Month
Total Premium payable: 79.38 lakh		17,463/Month
Total Premium payable: 49.61 lakh