Axis Max Life Insurance
Term Insurance
Investment Plans
Healthcare Plans
NRI Plans
Calculators
Select a method to track policy

If you have recently calculated a quote of Axis Max Life insurance product(s), your e-Quote number can be found in email / SMS sent.

Join as Advisor
Individual IconIndividualNon-Individual Icon
Non-IndividualHUF / Partnership / Employer-Employee / Keyman

MAIN CATEGORY

Life Insurance PlansSide Arrow Icon

    ResourcesArrow Down Icon
    • Gold Rate
    • Check CIBIL Score
    • Branch Locator
    • Blogs

    Claim CentreSide Arrow Icon

      Renew PolicySide Arrow Icon

        Become a Life AdvisorSide Arrow Icon

          About UsSide Arrow Icon

            Contact UsSide Arrow Icon

              Continue Your JourneySide Arrow Icon

                Web StoriesArrow Down Icon
                • Income Tax Rules Changes
                • Home>
                • Blog>
                • Life Insurance>
                • Customize Your Life Insurance Policy with Riders

                Customize Your Life Insurance Policy with Riders

                Life insurance policies are a way to ensure that your family never has to face financial burdens, even in your absence. The uncertainty of life has made the need for such protection unavoidable, primarily
                with the increasing number of threats in the environment. If you choose Axis Max Life Insurance policy, you can select life insurance riders to create a comprehensive financial protection plan for your loved ones.
                ...Read More

                Axis Max Life Insurance Plans

                 Image for tax percentage
                Tax Savings upto Rs 46,800##
                 Image for guard icon
                99.65% Death Claim Paid Ratio^
                Image for discount icon
                15% Discount on Term Plan#1
                Image for zero commission icon
                Zero Commission#~
                image 14_01_d782977699
                 Image for tax percentage
                Tax Savings upto Rs 46,800##
                 Image for guard icon
                99.65% Death Claim Paid Ratio^
                Image for discount icon
                15% Discount on Term Plan#1
                Image for zero commission icon
                Zero Commission#~
                image new_ribbion_storefront_icon_1c86e520ea_a0f208a06eimage term_life_ins_icon_12bc31e8d1

                Free of Cost Benefit

                Lowest Price Guaranteed
                image 1_crore

                ₹1 Crore Term Plan

                Check Premium
                image insurancecalculator_New_01_bc0763ba45

                Term Insurance Calculator

                Past Returns
                image Twentypointeightpercenticon

                Smart Innovation Fund#^

                Calculate Returns
                image term_life_ins_icon_e2a3b39ef0

                Investment Plan Calculator

                image market_growth_icon_8fed64aded

                Whole Life Monthly Income&#

                 Disclaimer: In Unit Linked Policies, the investment Risk in the investment portfolio is borne by the policyholder.

                Get ₹1 Cr. Life Cover Starting @₹522@7/month

                • tick
                  15% Discount3
                • tick
                  Free Of Cost Option

                Select Country

                image chevron_down_navigate_7dd1121f7c
                image we_dont_spam_2_d4af8fb993

                Select options
                banner1-desktop-rohit.webp

                *Disclaimer :

                Axis Max Life Smart Secure Plus Plan. A non-linked non-participating individual pure risk premium life insurance plan| The premium calculated as per Standard premium for 30 year old healthy male, non-smoker, 40 years policy term, 40 years premium payment term (exclusive of GST) for Axis Max Life Smart Secure Plus Plan and is rounded off from Rs. 3,27,782. ~1Condition for special exit value: Option to receive all premiums paid back at the age of 55 years and the life cover also gets terminated. Total premiums paid towards the policy (excl. GST) will be the Special Exit Value payable at the age of 55 years in case the policy holder wishes to completely exit the policy. 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 total premiums paid plus underwriting extra premiums paid plus loadings for modal premiums exclusive of all applicable taxes, cesses or levies. This value shall be applicable on the base cover premium only and not to additional optional benefits like ACI, Accident cover, Joint life cover and Voluntary Sum Assured Top-Up.

                Profile picture of the Alok Mishra

                Written by

                Alok Mishra
                Profile picture of the Alok Mishra

                Alok Mishra

                Insurance Writer

                Alok Mishra is a Digital and Content Marketing specialist with 10 years of experience. He has spearheaded Web Content, Social Media & Branding, and Community Building initiatives to drive growth for prominent brands.

                :

                Reviewed by

                Bhaskar Sinha
                Profile picture of the Bhaskar Sinha

                Bhaskar Sinha

                Insurance Expert

                8+ years of experience in Life Insurance with expertise in Developing Life and Health Products, Digital Sales, Conducting effective trainings and Key Account Management.

                What are Life Insurance Riders?

                While most of us understand the need and importance of life insurance, we may not be aware of riders and their benefits. Life insurance riders are add-ons that can enhance the coverage of your policy considerably. They offer coverage against more extensive risks than the base life insurance policy.

                The policyholder can modify the insurance policy once they calculate their needs according to their situation. Personal life factors such as age, lifestyle, and health condition play a central role in deciding the coverage you may require. Having done that, you can select the riders of your preference to get better benefits.

                Different Axis Max Life insurance riders are available to cater to people with distinct financial profiles. It allows people from varying backgrounds to secure life coverage, as per their situation. You can attach Axis Max Life Insurance riders by paying an additional premium when buying our life insurance products.

                Know More:What are Riders in Insurance?

                Axis Max Life Insurance Riders

                The goals and requirements in life evolve with time, and so does the need for risk coverage. You can make more informed and well-rounded financial decisions when you are aware of your personal situation. Axis Max Life Insurance riders are specifically designed to help you with that decision.

                In a time of crisis, the right financial support system can make a world of difference. To know if Axis Max Life riders are for you, it will be in your best interest to learn about them when buying life insurance. It allows you to have a clear vision of the financial plan you need to protect your loved ones.

                Here are some of the Axis Max Life Insurance riders available to increase the value of your insurance plan:

                1. Axis Max Life Critical Illness and Disability Rider (A Non-Linked Non-Participating Individual Pure Risk Premium Health Insurance Rider | UIN: 104B033V02)

                There is nothing more financially draining than a severe health issue. Critical illnesses can have a detrimental effect not only on your physical health but also on mental and financial health. The cost of treating critical diseases is reaching new heights with each day.

                With Critical illness Insurance, you can create a financial plan capable of preparing for such a situation. Irrespective of how mindful you are about your health, life can be extremely unpredictable. As unpleasant as it is, it is essential to have a financial plan that covers such possibilities.

                If you are diagnosed with a listed critical illness, you will receive a lump sum or periodic payments to support the treatment under this Axis Max Life Insurance rider. This payment is over and above the health insurance and the payout is made irrespective of the actual treatment cost.

                When you select a Critical Illness And Disability Rider (Non-Linked Non-Participating Individual Pure Risk Premium Health Insurance Rider UIN: 104B033V02), Axis Max Life Insurance ensures that you do not have to solely rely on your savings or other investments, which may not be sufficient.

                Image for types Of Investments 1

                2. Axis Max Life Waiver of Premium Plus Rider (A Non-Linked Non-Participating Individual Pure Risk Health Insurance Rider | UIN: 104B029V05)

                Axis Max Life Insurance riders can be exceptionally useful for an earning individual responsible for family members’ well-being. In case your family depends on your income solely, the Max Life Waiver of Premium Plus Rider can be the right choice for you.

                It ensures the life coverage remains intact even when you are unable to pay the premiums. In case the insured person is diagnosed with a critical illness or has suffered dismemberment, this Axis Max Life Insurance rider waives off future premiums. The policy coverage is not affected by the waiver of premium, and the family remains protected.

                Image for types Of Investments 3

                What to Consider While Selecting Term Insurance Riders?

                There may be several questions running on your mind when putting together a plan for your family’s future. While the availability of Axis Max Life Insurance riders is advantageous, it requires careful assessment on your part.

                Hence, choosing which of Axis Max Life riders is suitable for your financial plan can be challenging. Let’s discuss some important things to consider while reviewing Axis Max Life term insurance riders.

                1. Income & Expenses

                Depending on your long and short-term expenses, your investment goals may change. While you want to have the best possible financial support system with suitable Axis Max Life Insurance riders for your loved ones, it is also important to be realistic.

                You do not want to feel disappointed by underestimating or overestimating your ability to sustain the investments. Hence, it is crucial to assess the current and possible expenses in the coming years to choose the most appropriate Axis Max Life riders.

                2. Your Health Condition

                Your health when securing life coverage plays a vital role in deciding the right Axis Max Life Insurance riders. Considering the increasing instances of lifestyle diseases and other worrying health conditions, you can choose the appropriate riders to add to your life cover. Moreover, it is in your best interest to opt for such a comprehensive cover early in life.

                Insurers usually ask for a medical examination of the person who is to be covered to assess the risk profile accurately. It allows them to offer a better coverage amount that can meet the demands adequately.

                3. Coverage Offered

                After evaluating your personal situation, you can compare Axis Max Life riders to see how the coverage offered by them caters to your requirements. Make sure that you go for a coverage that will suffice when the need arises.

                Different types of riders have varying features and benefits, and it is up to you to select the ones that fit your requirements.

                Image for types Of Investments 3

                4. Tax Benefits

                The tax benefits offered by insurance instruments are a relief for people. It can help you reduce your taxable income considerably and still make sound investment choices.

                Opting for Axis Max Life Insurance riders enables you to avail of the applicable tax benefits on the premiums paid and the benefits received.

                At the time of including Axis Max Life Insurance riders to your plan, check the tax benefits that are available with them to not miss out on them.

                Tax benefits are as applicable tax laws subject to change

                5. Rider Exclusions

                Certain conditions are not covered under the riders. It is advisable to go through the details of Axis Max Life riders when choosing them to avoid disappointment in the future.

                For instance, specific types and cancer stages may be covered under an Axis Max Life critical illness rider. When you know the rider’s scope of coverage, you can plan your finances more efficiently.

                More plans for you

                • Image for IPQ carousel
                  2 Crore
                  Term Plan

                  Affordable financial security of your loved ones

                  Terminal illness cover at zero additional cost

                  Tax deduction u/s 80C of Income Tax Act, 1961

                  Multiple payout options - Monthly income and lump sum

                  Read More
                  Check Plan
                • Image for IPQ carousel
                  Guaranteed
                  Income Plan

                  Guaranteed maturity benefit to help achieve future goals

                  Multiple plan variants to choose from

                  Tax deduction u/s 80C of Income Tax Act, 1961

                  Death benefit on policyholder's demise's during policy term

                  Read More
                  Check Plan
                • Image for IPQ carousel
                  Axis Max Life Smart Fixed-return Digital Plan

                  Built-in life cover

                  Tax deduction u/s 80C of Income Tax Act, 1961

                  Tax-free## fixed returns up to 7.5%** u/s 10(10D)

                  Facility to avail a loan in case of a financial emergency

                  Read More
                  Check Plan
                • Image for IPQ carousel
                  NRI
                  Life Insurance

                  Hassle-free worldwide$+ claim processing

                  Flexible premium payment options

                  GST waiver4 of up to 18% for eligible customers

                  Video medical test at your own ease

                  Read More
                  Check Plan

                Frequently Asked Questions (FAQs)

                search

                When Can I add a Rider to My Policy?

                In general, riders are attached at the time of purchasing an insurance policy. The insurer may allow the same at a later date during policy anniversary, depending on the terms and conditions of base Max life policy and rider policy

                Can I Cancel a Rider Which I Have Already Added?

                If the policy terms allows the cancellation of a rider after the policy inception, it can be done. In this situation, the future payable premium amount will only include the base policy premium, excluding the rider portion from it.

                Is It Possible to Have a Rider Without A Base Policy?

                No, it is not possible to buy a rider without a base policy. Riders are only available as add-ons to an existing policy that strengthen the coverage.

                How Many Riders Can I Attach to My Policy?

                There is no limit to the riders you can attach to a policy, provided they are available under the base policy. The different types of life insurance policies offer riders of different kinds.

                What Illnesses Are Covered Under the Axis Max Life Critical Illness and Disability Rider?

                The Axis Max Life Critical Illness and Disability Rider (A Non-Linked Non-Participating Individual Pure Risk Premium Health Insurance Rider | UIN: 104B033V01) offers multiple variants to suit the needs of diverse financial and health profiles and the coverage can go for up to 64 critical illnesses including:

                S NO. Name of CI or Surgery Benefit Variant

                1

                Angioplasty

                2

                CiS / Early-stage Cancer

                3

                Small Bowel Transplant

                4

                Brain Aneurysm Surgery or Cerebral Shunt Insertion

                5

                Severe Osteoporosis

                6

                Cancer of Specified Severity

                7

                Myocardial Infraction (First Heart Attack of Specific Severity)

                8

                Open Chest CABG

                9

                Open Heart Replacement or Repair of Heart Valves

                10

                Coma of Specified Severity

                11

                Kidney Failure Requiring Regular Dialysis

                12

                Stroke Resulting in Permanent Symptoms

                13

                Major Organ / Bone Marrow Transplant

                14

                Permanent Paralysis of Limbs

                15

                Motor Neuron Disease with Permanent Symptoms

                16

                Multiple Sclerosis with Persisting Symptoms

                17

                Benign Brain Tumor

                18

                Blindness

                19

                Deafness

                20

                End Stage Lung Failure

                21

                End Stage Liver Failure

                22

                Loss of Speech

                23

                Loss of Limbs

                24

                Major Head Trauma

                25

                Primary (Idiopathic) Pulmonary Hypertension

                26

                Third Degree Burns

                27

                Alzheimer’s Disease

                28

                Parkinson’s Disease

                29

                Aorta Graft Surgery

                30

                Amputation of Feet Due to Complications of Diabetes

                31

                Apallic Syndrome

                32

                Aplastic Anaemia

                33

                Bacterial Meningitis

                34

                Brain Surgery

                35

                Cardiomyopathy

                36

                Chronic Adrenal Insufficiency (Addison's Disease)

                37

                Chronic Relapsing Pancreatitis

                38

                Crohn's Disease

                40

                Dissecting Aortic Aneurysm

                41

                Eisenmenger's Syndrome

                42

                Elephantiasis

                43

                Encephalitis

                44

                Fulminant Viral Hepatitis

                45

                Hemiplegia

                46

                HIV due to Blood Transfusion and Occupationally Acquired HIV

                47

                Infective Endocarditis

                48

                Loss of Independent Existence (Cover up to Age 74)

                49

                Loss of One Limb and One Eye

                50

                Medullary Cystic Disease

                51

                Muscular Dystrophy

                52

                Myasthenia Gravis

                53

                Myelofibrosis

                54

                Necrotizing Fasciitis

                55

                Other Serious Coronary Artery Disease

                56

                Pheochromocytoma

                57

                Poliomyelitis

                58

                Progressive Scleroderma

                59

                Progressive Supranuclear Palsy

                60

                Severe Rheumatoid Arthritis

                61

                Severe Ulcerative Colitis

                62

                Systemic Lupus Erythematosus with Lupus Nephritis

                63

                Terminal Illness

                64

                Tuberculosis Meningitis

                ARN No : Sept21/Bg/15A

                Source:

                https://www.policyholder.gov.in/life_insurance_riders.aspx

                https://www.irdai.gov.in/ADMINCMS/cms/frmGeneral_Layout.aspx?page=PageNo169&flag=1&mid=IRDA+Journal, (12th December 2001).

                https://www.maxlifeinsurance.com/content/dam/corporate/Riders/Max-Life-Critical-Illness-and-Disability-Rider/Max-Life-CIDR-Prospectus.pdf

                image tick_a2b9cfa3ac_188e3e7428

                Related Articles

                • Why Medical Test Important for Term Insurance
                • Key Features and Benefits of Online Term Plan Plus
                • Term Insurance for all Age Groups
                • Tax Benefits of Term Insurance
                • Group Term Life Insurance Plan Benefits
                • Term Insurance FAQs
                image tick_a2b9cfa3ac_188e3e7428

                Calculators

                • Income Tax Calculator
                • Term Plan Calculator
                • Investment Calculator
                • Power of Compounding Calculator
                • Retirement Planning Calculator
                • FD Calculator
                image tick_a2b9cfa3ac_188e3e7428

                Insurance Articles

                • Types of Insurance
                • Benefits of Become an Insurance Agent
                • Role of IRDAI
                • Different Types of Life Insurance
                image tick_a2b9cfa3ac_188e3e7428

                Investments Articles

                • Benefits of ULIP Investment Plan
                • What is Power of Compounding?
                • National Pension System
                • How to Save Tax with ULIPs
                • What is CIBIL Credit Score

                Share your Valuable Feedback

                Rating Icon

                4.3

                Rated by 1210 customers

                Was the Information Helpful?

                Rate this product

                Very Good

                Related Articles

                image rider_options_of_insurance_plan_7ad732846d

                What are the Rider options with a Life Insurance Plan?

                Life insurance coverage protects your loved ones against financial risks at different stages in your life. Riders add that extra layering of protection from critical illness expenses, accidental death , disability and more. Adding these riders in your life insurance plan......

                Read More
                image add_on_benefits_you_should_buy_with_your_term_insurance_plan_2f54b5d811

                Add-on Benefits You Should Buy With Your Term Insurance Plan

                Once you zero-in on the term insurance policy, and the sum assured that best suits your needs, the next step is to consider the add-ons (riders) available, so that you may maximize your benefits. Riders are an optional benefit which you can purchase along with your insurance policy…

                Read More
                image importance_of_Critical_illness_insurance_cover_cdf3d046d5

                Importance of Critical Ilness Insuance Cover

                Many lucky individuals in the world rarely hear the term ‘critical illness,’ while it is a part of life for many others. The major prevalence of unhealthy lifestyles paired up with the degrading environment has led to the occurrence of life-threatening diseases among Indian citizens.....

                Read More
                More Resourceful Articles

                Popular Searches

                Term Insurance CalculatorOnline Term PlanSmart Term Plan PlusCritical IllnessBest Term Plan With Return Of PremiumClaim Settlement RatioULIP Saving PlanWhat is term InsuranceTax Benefits of Term InsuranceWhy medical Test is Important in Term InsuranceBest Term Insurance for All Age GroupThings to know before Buying Term Life InsuranceBenefits Of best Term InsuranceInsurance CalculatorsOnline InsuranceChild InsuranceRetirement PlanBest Saving PlansGroup InsuranceHealth Insurance PlansBest Investment PlanULIP PlanTax Saving InvestmentTax CalculatorULIP CalculatorBecome an agentInsurance CalculatorsSmart Secure Plus PlanBest Term Insurance PolicyCustomize Your Term Life Insurance PolicyLife Insurance term Plan Claim Disability InsuranceHow to Change Nominee in Term Insurance1 Crore Term Insurance2 Crore Term Insurance5 Crore Term InsuranceFD Interest CalculatorCredit Score CheckFixed Deposit OnlineRecurring Deposit OnlineSIPMutual Fund SIP CalculatorEndowment PlanAccident InsuranceCompound Interest Calculator OnlineGold Investment In IndiaGold RateHow To Calculate Return on Investment50 lakh term insurance75 lakh term insuranceTerm Insurance for HousewifeBest Mutual FundsBest Term Insurance for Self EmployedBest Term Insurance for Senior CitizenBest Term Insurance Plan for NRIBest Term Insurance Plan for Women
                Online Sales Helpline
                • Whatsapp: 7428396005Send ‘Quick Help’ from your registered mobile number
                • Phone: 0124 648 890009:30 AM to 06:30 PM
                  (Monday to Sunday except National Holidays)
                • service.helpdesk@axismaxlife.comPlease write to us incase of any escalation/feedback/queries.
                Customer Service
                • Whatsapp: 7428396005Send ‘Hi’ from your registered mobile number
                • 1860 120 55779:00 AM to 6:00 PM
                  (Monday to Saturday)
                • service.helpdesk@axismaxlife.comPlease write to us incase of any escalation/feedback/queries.
                NRI Helpdesk
                • +91 11 71025900, +91 11 61329950 (Available 24X7 Monday to Sunday)
                • nri.helpdesk@axismaxlife.comPlease write to us incase of any escalation/feedback/queries.
                Image for the vector icon
                stickyImage
                ₹2 Cr. Term Plan Starting @₹875/Month@8
                Image for the logo
                tickMark
                99.65%^ Death Claim Paid Ratio
                tickMark
                15% Discount#1 + Free of Cost~1 Option
                • Critical Illness
                • Term Plan with Return of Premium
                • Claim Settlement Ratio
                • Smart Secure Plus Plan
                • Continue with existing eQuote
                • Term Insurance for Housewife
                • Zero Cost Term Insurance
                • Smart Term Plan Plus
                • Life Insurance Plans
                • Online Insurance Plans
                • Retirement Plans
                • Group Insurance Plans
                • Child Insurance Plans
                • Health Insurance Plans
                • NRI Plans
                • ABHA Card
                • Pay Premium Online
                • Customer Login
                • Existing Customers Plans
                • Claims Centers
                • Download Policy Pack
                • View Policy Details
                • Electronics Insurance Account
                • Frequently Asked Questions(FAQs)
                • Premium Payment Options
                • Track Application
                • Contact Us
                • Update Personal Details
                • Change Nominee
                • Download Forms
                • Update PAN Card
                • Service TATs
                • Certificate of Insurance
                • Term Insurance Calculator
                • Income Tax Calculator
                • Saving Plan Calculator
                • Compound Interest Calculator
                • Insurance Calculators
                • FD Calculator
                • CIBIL Credit Score
                • RD Calculator
                • PPF Calculator
                • ROI Calculator
                • SIP Calculator
                • NPS Calculator
                • Lumpsum Calculator
                • NSC Calculator
                • Step Up SIP Calculator
                • BMI Calculator
                • SSY Calculator
                • Retirement Planning Calculator
                • SWP Calculator
                • APY Calculator
                • EMI Calculator
                • ELSS Calculator
                • Home Loan Insurance Calculator
                • ULIP Plans
                • Tax Saving Investment
                • Smart Wealth Plan
                • Assured Wealth Plan
                • Smart Wealth Income Plan
                • Flexi Wealth Advantage Plan
                • Savings & Income Plans
                • Smart Fixed-return Digital Plan
                • Money Back Policy
                • Max Life UL Life Growth Super Fund
                • Max Life High Growth Fund
                • Max Life UL Life Secured Fund
                • Max Life UL Sustainable Equity Fund
                • Max Life Nifty Smallcap Quality Index Fund
                • Max Life UL Life Balanced Fund
                • Max Life UL Pure Growth Fund
                • Max Life UL Secure Plus Fund
                • Max Life UL Life Growth Fund
                • Max Life UL Life Conservative Fund
                • Max Life UL Life Diversified Equity Fund
                • Max Life UL Money Market ii Fund
                • Max Life UL Life Dynamic Bond Fund
                • Max Life Midcap Momentum Index Fund
                • Income Tax Slab 2024-25
                • Nifty 500 momentum 50 fund
                • Axis Max Life Sustainable Yield Index Factsheet
                • Max Life Sustainable Wealth 50 Index Fund
                • Axis Max Life Sustainable Yield Index
                • Axis Max Life Smart Innovation Fund
                • bima-bharosa
                • Why Axis Max Life
                • Know Our Story
                • Awards & Achievement
                • CSR
                • ESG
                • Diversity, Equity & Inclusion
                • Media Center
                • Our Leadership
                • Public Disclosures
                • ISNP Details
                • All About Claims
                • Become An Agent
                • NAV Performance
                • Monthly Factsheets
                • Fund Portfolio
                • NAV Performance & Benchmark
                • Monthly Fund Snapshot
                • Annual Investment Report
                • Axis Max Life Branches
                • Investors
                • Key Company Policies
                • Careers
                AppstoreImgGooglePlayStoreImg
                AppstoreImgGooglePlayStoreImg
                • IRDAI Consumer Education Website
                • Agent Suspended & T.
                • Do Not Disturb
                • Insurance Ombudsman
                • Privacy Policy
                • Disclaimers
                • Service TATs
                • Grievance Redressal
                • Bima Bharosa
                • Unclaimed Amount
                • Withdrawn Plans
                • Sitemap
                • UW Approach & Philosophy

                Group Sites

                • MAX INDIA
                • MAX FINANCIAL SERVICES
                • ANTARA SENIOR LIVING
                • MAX LIFE PENSION FUND MANAGEMENT

                BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS

                IRDAI clarifies to public that:
                • • IRDAI is not involved in activities like selling insurance policies, announcing
                  bonus or investment of premiums.
                • • Public receiving such phone calls are requested to lodge a police complaint.

                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

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

                Fax Number: 0124-4159397.

                Email ids: service.helpdesk@axismaxlife.com

                Website: 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 Rohit Sharma / Ritika Sajdeh image 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.

                Axis Max Life Online Savings Plan is a Unit Linked Non Participating Individual Life Insurance Plan (UIN: 104L098V06)

                *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 Smart Term Plan Plus (UIN: 104N127V02). 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: 104N125V07). 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 5 years and Policy term of 10 years) and a healthy male of 18 years paying Rs. 30,000/- per month (exclusive of all applicable taxes) with 7.45% 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: 104N123V05). The guaranteed benefits are available with selected life insurance plans & are applicable if all due premiums are paid.

                9The percentage savings is for a regular pay Axis Max Life Smart Secure Plus Plan (A Non Linked Non Participating Individual Pure Risk Life Insurance Plan, UIN: 104N118V11)– Life Option for 1 Cr. life cover for a 35 year old, non-smoker male for a policy term of 40 years vs a 10 year policy term with the same details’

                ##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 Claim Paid Ratio as per audited financials for FY 2023-2024

                #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: 104N127V02).

                #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 GST and 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 (exclusive of GST) 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 (exclusive of GST) 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 (exclusive of GST). 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 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 (exclusive of GST) for Axis Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V07) 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 (exclusive of GST) for Axis Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V07) with a life cover of Rs. 75 lakh.

                ^3Disclaimer: Standard premium for 24-year old healthy male, non-smoker, 25 years policy term,25 year premium payment term (exclusive of GST) for Axis Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V07) with a life cover of Rs. 1 Cr.

                ^4Disclaimer: Standard premium for 24-year old healthy male, non-smoker, 25 years policy term,25 year premium payment term (exclusive of GST) for Axis Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V07) 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 (exclusive of GST) for Axis Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V07) 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 (exclusive of GST) for Axis Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V07) 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 (exclusive of GST) for Axis Max Life Smart Term Plan Plus (UIN: 104N127V02) - 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 (exclusive of GST) for Axis Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V07)

                ^~Disclaimer: 5 year return (CAGR – Compound Annualised Growth Rate) from Max Life High Growth Fund (ULIF01311/02/08LIFEHIGHGR104) as on 31/07/2024

                ^~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. 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.

                ^*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).

                @1Standard premium for 20-year old healthy male, non-smoker, 40 years policy term, 40 year premium payment term (exclusive of GST) for Axis Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V07). 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. | ~1 Get back all the premiums paid with Special Exit value. This can be exercised in any policy year starting 30th policy year, but not during the last 4 policy years. Available for minimum policy term of 40 years. Benefit available with special exit value - the total premiums paid plus underwriting extra premiums paid plus loadings for modal premiums exclusive of any applicable taxes, cesses or levies. This feature shall be applicable on the base cover premium only and not for additional optional benefits like Accident cover, Joint life cover, any attached riders and Voluntary Sum Assured Top-Up.

                @2Standard premium for 20-year old healthy male, non-smoker, 40 years policy term, 40 year premium payment term (exclusive of GST) for Axis Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V07). 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. | ~1 Get back all the premiums paid with Special Exit value. This can be exercised in any policy year starting 30th policy year, but not during the last 4 policy years. Available for minimum policy term of 40 years. Benefit available with special exit value - the total premiums paid plus underwriting extra premiums paid plus loadings for modal premiums exclusive of any applicable taxes, cesses or levies. This feature shall be applicable on the base cover premium only and not for additional optional benefits like Accident cover, Joint life cover, any attached riders and Voluntary Sum Assured Top-Up.

                #*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: 104L121V03) 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 (exclusive of GST) for Axis Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V07)| 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. Total premiums paid is exclusive of GST. Life Insurance is available in this product.

                @4Standard premium for 20-year old healthy male, non-smoker, 25 years policy term, 25 year premium payment term (exclusive of GST) for Axis Max Life Smart Term Plan Plus (UIN:104N127V02)| 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.

                @5Disclaimer: Standard premium for 20-year old healthy female, non-smoker, 25 years policy term, 25 years premium payment term (exclusive of GST) for Rebalancing Cover Variant of Axis Max Life Smart Term Plan Plus (UIN:104N127V02) Sum Assured of 1 Cr | 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.

                @6Disclaimer: The policyholder will get back 200% of total premiums paid plus underwriting extra premiums paid plus loadings for modal premiums (if any) (excl. of GST), if the policyholder exercises this option at policy year (Policy Term-10) only. This option will not applicable for Regular Pay and Pay Till 60. The minimum policy term will be 40 years for special exit value.

                @7Disclaimer: Standard premium for 20-year old healthy male, non-smoker, 25 years policy term, 25 years premium payment term (exclusive of GST) for Rebalancing Cover Variant of Axis Max Life Smart Term Plan Plus (UIN:104N127V02)| 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 (exclusive of GST) for Regular Cover Variant of Axis Max Life Smart Term Plan Plus (UIN: 104N127V02)| 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.

                Disclaimer: ~10 year CAGR of Nifty SmallCap 250 Quality50 index as on 24/07/2023. 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: @2Standard premium for 20-year old healthy male, non-smoker, 40 years policy term, 40 year premium payment term (exclusive of GST) for Axis Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V07). **The above mentioned is the discounted monthly premium to be paid in 1st year. Discount is applicable only for salaried employee with a corporate, purchased via web link | ~1Get back 4.67 Lakhs premiums paid under Special Exit value at 36th Policy Year. This can be exercised in any policy year starting 30th policy year, but not during the last 4 policy years. Available for minimum policy term of 40 years. Benefit available with special exit value - the total premiums paid plus underwriting extra premiums paid plus loadings for modal premiums exclusive of any applicable taxes, cesses or levies. This feature shall be applicable on the base cover premium only and not for additional optional benefits like Accelerated Critical Illness, Accident cover, Joint life cover, any attached riders and Voluntary Sum Assured Top-Up| ~Singapore, Hong Kong, New Zealand, Australia, Canada, UAE, Oman, Qatar, Saudi Arabia, Kuwait, Sri Lanka, Maldives, Fil, Brunei, Taiwan, Mauritius, South Korea, Bahrain, China, France, Germany, Switzerland, Austria, Hungary, USA, UK, Japan, Belgium, Denmark, Spain, Greece, Ireland, Luxemburg, Italy, Netherlands, Finland, Sweden, Norway.

                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)

                ~4Subject to submission of all documents required for GST waiver. GST waiver/refund is not applicable for ULIP plans.

                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: 104N116V13). | 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.

                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: *6Check the Total Premium amount against the respective monthly premium values 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:104N125V07). Monthly premium amounts are excluding GST and 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: 17.13 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: 14.06 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: 39.73 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: 17.13 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: 20.26 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