Axis Max Life Term Insurance Plans

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Reviewed byVaibhav Kumarverification-badge
Last Modified 8th September 2026
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What is Critical Illness Insurance Benefit?

A critical illness insurance benefit offers coverage against various life-threatening diseases like heart attacks, cancer, renal failure, and stroke. Axis Max Life Insurance provides Accelerated Critical Illness (ACI) Benefit with Axis Max Life Smart Total Elite Protection Term Plan (A Non-Linked Non-Participating Individual Pure Risk Premium Life Insurance Plan.

Under Axis Max Life Smart Total Elite Protection Term Plan, you receive coverage amount basis the cover option choosen at the initial stage, when diagnosed with any of the 40 life-threatening diseases covered under the plan. You can then use the lumpsum amount to pay for medical bills, hospitalisation expenses and surgery costs. The amount can also be used by your family to take care of their daily expenses.

Also Read: Benefits and Features of Axis Max Life Smart Total Elite Protection Term Plan

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What is Critical Illness Insurance?

Critical illness insurance is a protection plan that provides a lump sum payout if you are diagnosed with specified life-threatening diseases such as cancer, heart attack, stroke, paralysis, kidney failure, or major organ failure.

This payout is not linked to hospital expenses and can be used freely based on your financial needs.

Unlike traditional health insurance, a critical illness cover focuses on financial stability during long-term treatment and recovery.

The payout can be used for medical treatment, income loss, household expenses, EMIs, or family responsibilities. You can purchase critical illness insurance as a standalone policy or as a rider attached to a life insurance plan, depending on your protection needs.

Features of Accelerated Critical Illness (ACI) Benefit

Accelerated Critical Illness (ACI) is a strategic add-on to your life insurance. It pays out a lump sum early if you are diagnosed with a serious, life-threatening illness during the policy term. The fund can help manage the cost of treatment, allowing you to focus on recovery with peace of mind.

What ACI Benefit Is:

  • The Accelerated Critical Illness (ACI) Benefit pays you a lump-sum amount if you are diagnosed with a covered serious illness during the policy term.
  • It is important to note that ACI is an accelerated benefit and not an additional payout. That means, if you claim this benefit, your base death benefit will be reduced by the amount paid out under the ACI benefit.

Let’s understand this with an example:

Rohan has a term life insurance policy with a ₹1 crore life cover and an Accelerated Critical Illness (ACI) Benefit of ₹20 lakhs. During the policy term, Rohan is diagnosed with a covered critical illness. After his claim is approved, he receives ₹20 lakhs as a lump-sum payout to manage treatment costs, recovery expenses, and household commitments.

Since ACI is an accelerated benefit, the payout is adjusted against his life cover. This means Rohan’s remaining death benefit reduces from ₹1 crore to ₹80 lakhs, which will be payable to his nominee in case of his unfortunate demise during the policy term.

Coverage Details

  • ACI now covers up to 64 critical illnesses, which include new inclusions such as Parkinson’s Disease, Alzheimer’s Disease, kidney/organ failure, advanced cancers, heart conditions, and more.
  • You receive this payout on diagnosis of any listed illness, helping you cover treatment costs, hospital bills, recovery-related expenses, or income loss.

How the ACI Benefit Works

The ACI benefit comes in two different options:

1. Level ACI Benefit

Under this option, the ACI Sum Assured selected at policy inception remains constant throughout the policy term.
  • Minimum ACI Sum Assured: ₹5 lakh
  • Maximum: Lower of ₹50 lakhs or 50% of base policy sum assured
  • Selection is available in multiples of ₹5 lakh

2. Increasing ACI Benefit

Here, the ACI Sum Assured increases every year at a simple rate (for example, 5% per annum) on the original chosen amount. The increase continues until a claim is made.
  • Minimum ACI Sum Assured: ₹5 lakh
  • Maximum at inception: Lower of ₹25 lakhs or 25% of base policy sum assured
    Total growth is capped at the lowest of:
  • ₹50 lakhs
  • 50% of base policy sum assured
  • 200% of original ACI Sum Assured

Maximum Limit & When Coverage Stops

You can claim up to 100% of the ACI Sum Assured over the policy term. Once this limit is reached, no further critical illness claims are possible. After an ACI claim is paid in full, the benefit ends and your overall life cover (death benefit) is reduced by the same amount you received.

Lump-Sum Payout

Upon diagnosis of a covered illness, the ACI Sum Assured is payable as a single lump sum. It provides a helping hand with funds for surgeries, treatment costs, hospitalisation bills, caregiving or even household expenses while you manage your recovery.

Digital & Hassle-Free Claims

Claims can be submitted online with required medical documents and policy details. Digital approach means a smoother and faster process compared to traditional offline claim procedures

Advantages of Accelerated Critical Illness Insurance Benefit

Accelerated Critical Illness (ACI) Benefit under Axis Max Life Smart Term Plan can serve as the best protection against financial instability, in case you are diagnosed with a life-threatening ailment. With the comprehensive cover provided under the ACI Benefit, you can opt for the best possible treatment without worrying about burning a hole in your savings pocket.

Some of the major advantages of ACI Benefit and Axis Max Life Smart Term Plan are:

  • 1) Tax benefits under section 80C and Section 80D of Income Tax Act on the premiums paid for Smart Term Plan and ACI Benefit respectively as per applicable tax laws (Please note that all the tax benefits are subject to tax laws prevailing at the time of payment of premium or receipt of benefits by you. It is advisable to seek an independent tax consultation)
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  • 2) Payment of 100% of the ACI Sum Assured following a confirmed diagnosis of any one of the insured Critical Illness conditions (except Angioplasty) during the ACI benefit policy term
  • 3) A Lumpsum amount is payable under ACI Benefit which you can then use for payment of treatment costs
  • 4) Quick claim settlement after completion of documentation

Let's understand with an example of what is critical illness insurance, and why is it essential:

For instance, a person bought a policy with ACI Sum Assured of say Rs. 10 Lakhs. He is diagnosed with cancer three years after buying the policy. In this case the individual will receive 100% of the ACI Sum Assured (i.e. 10 lakhs) following a confirmed diagnosis of one of the insured Critical Illness conditions (except Angioplasty). In case he was diagnosed with Angioplasty, ACI benefit pay lower of ₹5,00,000 or ACI Sum Assured and the policy will continue with reduced ACI Sum Assured for other insured Critical Illness conditions.

Also, since you have bought Accelerated Critical Illness Option as an add-on to the Axis Max Life Smart Term Plan, your family will still receive the remaining Death Sum Assured under the policy, in case of your unfortunate demise due to the illness.

Now, you must have understood 'what is critical illness insurance?' and how does ACI benefit option offered by Axis Max Life helps you during the times of need. Like simplicity of the features of critical illness benefit, the process of buying it also easy.

Why should one buy a Critical Illness benefit?

A critical illness benefit helps protect your finances when a serious illness disrupts both your health and income. Treatment for major illnesses often involves high costs, extended recovery, and loss of earnings, which regular health insurance may not fully cover. The major benefits of critical illness insurance include:

  • Provides Immediate Financial Support: Critical illness benefits issue a lump sum payment on diagnosis; hence, you get immediate money during a medical emergency
  • Reduces Financial Burden on Your Family: Suppose the disease completely disables you. With the payout, you can manage household expenses and income loss, securing your family financially.
  • Enables Purchase of Expensive Treatments: Critical illness treatments are very expensive. This benefit covers both medical and non-medical costs on a very large scale without putting you under financial stress.
  • Low Premiums for High Coverage: For a high sum insured, premiums are relatively low, which makes this cover a cost-effective option.
  • Tax Benefits: Premiums paid under Section 80D of the Income-tax Act are eligible for tax deductions. It helps you save on taxes and protect your health. Tax benefits for senior citizens can be up to ₹50,000.

Features of Critical Illness Benefit

The primary features & benefits of critical illness insurance extend beyond medical coverage, offering financial safety during serious health setbacks. It not only covers 30+ conditions, but also helps with medical costs and daily expenses during recovery.

  • Wide Illness Coverage: These plans cover life-threatening conditions such as cancer, heart attack, and stroke. Coverage varies by insurer, Axis Max Life Insurance covers up to 64 illnesses.
  • Lump Sum Benefit: Upon first diagnosis of covered illness, the insurer pays a lump sum. This helps with treatment costs and recovery, giving relief during a health crisis.
  • Waiting Period: The waiting period is up to 90 days from the policy start date, during which you cannot make any claims.
  • Survival Period Needs: This period is usually 30 days or more in most policies. You will have to show survival for the specified period after the diagnosis to receive the benefit payout.Single Claim Coverage:
  • Single Claim Coverage: This allows only one claim during its period. The policy automatically terminates after the first claim of the full sum insured.
  • Covers More Than Medical Bills: Your lump sum can cover hospital bills, daily expenses, income loss, and other financial commitments.
  • Exclusion of Pre-existing Conditions: Already existing or congenital conditions are usually excluded. Exceptions can occur under policy terms.
  • Easy and Quick Claims: Here, claim settlement is smooth as insurers usually ask for medical documents like diagnosis reports and doctor’s certificates.

How is a Critical Illness Benefit Different from Other Health Insurance Plans?

While both health insurance and critical illness benefits protect you during medical emergencies, they serve very different purposes. Traditional health insurance reimburses treatment-related expenses, whereas a critical illness benefit provides a fixed lump-sum payout on diagnosis, helping you manage both medical and non-medical financial challenges.

Feature Health Insurance Critical Illness Benefit
Nature of payout Reimbursement or cashless settlement of hospital bills One-time lump-sum payout on diagnosis
Trigger for claim Hospitalisation and treatment One-time lump-sum payout on diagnosis
Link to medical bills Directly linked to actual treatment costs Not linked to treatment expenses
Use of funds Limited to eligible medical expenses Complete flexibility – medical & non-medical
Coverage for income loss Not covered Covered through lump sum
Support for household expenses Not covered Can be used
EMIs / loan repayment EMIs / loan repayment Can be managed
Recovery & rehabilitation costs Limited Fully flexible
Claim frequency Multiple claims until sum insured is exhausted Usually single or limited claims

Let’s understand this with an example:

Sanjay is a 38-year-old marketing professional with a young family. Like many people, he had planned well, he owned a ₹5 lakh health insurance policy to cover hospital expenses and had also opted for a ₹20 lakh critical illness benefit along with his 1 crore term insurance.

One day, Sanjay was diagnosed with kidney failure, a condition that required ongoing treatment and forced him to take a long break from work.

His health insurance policy took care of his hospitalisation and treatment costs. The insurer reimbursed nearly ₹4 lakh for medical bills, tests, and procedures. While this was a big relief, Sanjay soon realised that the bigger challenge lay outside the hospital.

During recovery, Sanjay could not work for several months. His monthly salary stopped, but expenses didn’t. EMIs, school fees, household costs, and caregiving expenses continued to pile up, none of which were covered by his health insurance.

That’s when the critical illness benefit made a real difference. Upon diagnosis, Sanjay received a ₹20 lakh lump-sum payout, completely independent of his medical bills. He used this amount to replace lost income, manage household expenses, pay EMIs, and focus on recovery without financial stress.

This is the main difference: while health insurance pays for treatment, a critical illness benefit protects your overall financial life when a serious illness turns everything upside down.

Critical Illnesses Platinum Plan Silver Plan
Heart Attack Covered Covered
Multiple Sclerosis Covered Covered
Stroke Covered Covered
Cancer Covered Covered
Major Organ Transplantation Covered Covered
Coronary Artery Bypass Surgery Covered Covered
Paralysis Covered Covered
Kidney Failure Covered Covered
Aorta Graft Surgery Covered Not Covered
Primary Pulmonary Artery Hypertension Covered Not Covered
Heart Valve Replacement Covered Not Covered
Parkinson’s Disease Covered Not Covered
Alzheimer’s Disease Covered Not Covered
End Stage Liver Disease Covered Not Covered
Benign Brain Tumour Covered Not Covered

Why Should You Buy a Critical Illness Cover if You Already Have Health Insurance?

Health insurance is designed to take care of hospital bills, but a serious illness often creates financial gaps that medical coverage alone cannot fill. Long-term conditions like cancer, stroke, or organ failure usually involve repeated treatments, extended recovery, and lifestyle adjustments that stretch well beyond hospitalisation.

Imagine, you’re not able to work for months due to the diagnosed disease. What comes to your rescue then? How do you get a monthly income? Once you’re out of the hospital, it’s the critical illness benefit that supports you throughout your healing journey.

A critical illness cover helps bridge these gaps by supporting costs that are usually overlooked, such as home nursing or caregiver expenses, travel to specialised treatment centres, and ongoing household commitments.

By providing a lump-sum payout on diagnosis, critical illness cover acts as a financial buffer, allowing you and your family to maintain stability while you focus on recovery. When used alongside health insurance, it ensures that a medical diagnosis does not disrupt your long-term financial plans or your family’s standard of living.

Key Factors to Consider Before Buying Critical Illness Insurance

Before choosing a critical illness policy, you should understand the coverage, exclusions, waiting period and other policy terms. This helps you determine whether the policy meets your financial needs. You should consider the following factors before making a decision

1) Coverage Amount

You should choose a coverage amount according to the expected medical expenses. Besides, it should also be sufficient to meet the income loss that you might face during recovery time. The coverage amount would depend on many factors, including your obligations and the type of insurance plan. While considering the coverage you need, you should also review your income and other expenses related to health.

2. Critical Illnesses Covered

Take your time to read through the policy document carefully so that you know the diseases the policy covers. Some of the diseases that the policy may cover include cancer, heart attack, strokes, and kidney failures. Make sure to go through the list of the covered diseases and the policy terms under which you can make a claim.

3. Waiting and Survival Periods

Check whether the policy includes any waiting period before the coverage starts. You should also review the policy terms to determine whether a survival period applies. The benefits may be payable only when the insured person survives for a specified period following the covered event.

4. Policy Exclusions

Make sure to examine the policy exclusions carefully to determine the conditions that the policy does not include. Reviewing policy exclusions is necessary as they may limit or prevent coverage for certain claims or benefits.

5. Premium and Policy Term

You should take into account the extra premium you'll be paying over the policy period. Further, you should also check how long the coverage lasts, as well as your financial protection needs. Compare the coverage, benefits and applicable premium across suitable policies before making a decision. Consider the policy terms and extent of protection offered alongside the premium payable.

6. Claim Process and Documentation

Review the claim process, required documentation and eligibility conditions to understand the requirements for receiving critical illness benefits. Keeping relevant medical records and policy documents accessible can help facilitate the claims process.

How to Buy Critical Illness Insurance Protection with Axis Max Life Insurance?

Buying critical illness insurance protection with Axis Max Life Insurance is seamless and hassle-free as the entire procedure is online, where you can also get help from customer executives to go through it.

Step 1: Click here to open Axis Max Life Critical Illness Insurance page on our official website

Step 2: Click on calculate premium. It will redirect you to term insurance calculator

Step 3: Enter your details. Click on calculate now.

Step 4: Choose the required life cover amount under Axis Max Life Smart Total Elite Protection Term Plan (Non Linked Non Participating Individual Pure Risk Premium Life Insurance Plan). After filling details as per your requirement, click on proceed.

Step 5: Select Axis Max Life critical illness add-on option to include coverage against life-threatening diseases (after paying a nominal additional amount of premium.) Apart from critical illness protection, you can also select Waiver of Premium Plus Rider (Non-Linked Non-Participating Individual Pure Risk) option in case you get diagnosed with any critical illness.

Step 6: Click on proceed after selecting the required add-ons

Step 7:  Fill out the remaining details in the blocks to complete the policy buying procedure. Once all the details are filled, you can click on proceed.

Step 8: You will now be redirected to the payment window. If you want to edit the policy, you can go back, otherwise, proceed with making the payment.

You can choose between annual and monthly premium payment options for purchasing your critical illness insurance benefit under Axis Max Life Smart Term Plan. Also, you can select between different payment methods to buy the policy.

After making the payment, you must fill out the proposal form, which mentions about your medical history, lifestyle habits, and more. Once you have filled the details, you will be contacted by executives of Axis Max Life Insurance to proceed with medical tests as the final procedure for buying your critical illness benefit.

If you still have any queries about what is critical illness insurance, here are your common questions and their answers:

Documents Required to File a Critical Illness Insurance Claim

To claim your Critical Illness payout, gather the basics. No receipts needed. The insurer verifies and sends cash quickly to ease your tough times. What you must submit to the insurance provider while making the claim include:

  • Critical illness policy document
  • A properly filled claim form
  • Medical certificate from your treating doctor
  • Your medical and investigation reports, including blood tests, scans, and X-rays
  • Bills for consulting a doctor
  • Medicine bills
  • Discharge summary (if applicable)
  • Photocopies of valid ID proof - voter ID or Aadhaar Card
  • Details of the bank account

How to File a Claim with a Critical Illness Insurance Policy?

Filing a Critical Illness claim is easy. Get diagnosed by a doctor, notify your insurer within 30-90 days, submit medical proofs and policy details. The insurer reviews quickly and pays lump sum directly. No hospital bills needed, and your get fast cash for your recovery journey. Following are the steps explained in detail.

  • Step 1: Notify the Insurer: Notify your insurer within a week of a covered critical illness diagnosis; timelines may vary by policy.
  • Step 2: Fill in the Claim Form: Get the form from the insurer or website and fill in details like name, policy, illness, and bank account.
  • Step 3: Gather the Medical Records: Gather medical records, test results, scans, and reports clearly showing the condition.
  • Step 4: Lodge the Claim: Submit the completed claim form and documents online or directly to the insurer’s office.

The insurer reviews your claim and supporting documents; the approved lump sum is paid directly to your bank account.

Reasons to Choose Axis Max Life’s Critical Illness Insurance Protection

Choose Axis Max Life’s Critical Illness Insurance for top protection and credibility. It covers 64 critical illnesses with lump-sum payouts and offers flexible add-ons. What Axis Max Life offers include:

  • Highly Trustworthy: With 99.8% Death Claims Paid Ratio^, you can live in peace when you buy a term insurance from Axis Max Life Insurance.
  • Comprehensive Protection Against Severe Illnesses: Provides protection against serious illnesses (up to 64), such as cancer, heart attack, and kidney failure.
  • Provides Extensive Financial Support: The lump-sum payment received for covered illness helps fund medical and daily expenses, providing financial stability.
  • Income Support & Coverage: Can be an income replacement for disability due to illness, providing double base coverage and more protection with a low premium.
  • Other Perks Like Tax Savings: Premiums qualify for Section 80D tax deduction and provide financial security for you and your family.

What Illnesses Are Covered Under Critical Illness Insurance?

Critical Illness plans protect against major threats like cancer, heart attack, stroke, kidney failure, organ transplants, etc. Many policies cover 30-64 conditions, including Alzheimer's and paralysis. Get a lump-sum payout on diagnosis to focus on healing, no money worries.

The following chart will give you a better idea of which illnesses are generally covered in which type of plan.

Why Should You Buy a Critical Illness Cover Even If You Already Have a Mediclaim Plan?

Mediclaim pays hospital bills, but Critical Illness Cover hands you instant lump-sum cash for serious diagnoses. These illnesses include, but not limited to cancer, bypass surgery etc. CI benefit also covers lost income, home care, or travel expenses due to treatment, and plugs the gaps in your mediclaim for complete financial peace during health crises.

The key reasons to consider Critical Illness Cover are:

  • Covers income loss during extended treatment or recovery
  • Supports non-medical expenses like travel, home care, and EMIs
  • Helps manage high-cost illnesses that require prolonged care
  • Strengthens overall financial security during major health crises

What is a Critical Illness Rider?

It is an optional add-on you can include with your term life insurance policy to boost its protection, especially if you fall seriously ill.

  • In case you are diagnosed with a covered critical illness like cancer, heart attack, or stroke during your policy term, the rider will pay you a one-time, tax-free lump sum amount.
  • This amount can be used for medical expenses, treatment, rehabilitation, income loss or day-to-day bills while you concentrate on recovery.

In a nutshell, this arrangement means getting financial assistance during a serious illness from a standby other than your savings and standard life insurance policy coverage.

How to Choose the Right Critical Illness Rider for Your Life Insurance Plan?

Your ideal Critical Illness rider is the one that matches coverage to potential risks. Balances sum assured with budget, has short waiting times, and trusted claim records.

Category Explanation Make a Right Choice
Amount Covered Lump sum you receive on diagnosis; high cover means more protection and premium. Choose a policy that covers medical expenses, compensates for your lost income and matches your affordability.
Waiting Period The initial days (90-180) after the policy issuance during which you cannot make claims, except accidental claims. Pick a rider with a shorter waiting period to get the benefits sooner.
Survival Period Minimum period you will survive after diagnosis to receive the benefit. Shorter survival periods reduce early out-of-pocket expenses.
Illnesses Covered The number and types of covered critical illnesses vary by insurer. To get enhanced protection, select a plan covering a broader range of illnesses.
Policy Duration Rider term typically aligns with the base life insurance policy. So choose the longest tenure. Increased policy tenure means a more secure future with coverage through crucial life stages.

Eligibility Criteria for Critical Illness Insurance

Are you curious whether you meet the criteria for Critical Illness Benefit? Basically, it's available to healthy adults who want a bit of extra coverage. Let’s see what the eligibility criteria looks like:

  • Age: 18-65 years.
  • Health Status: Undergo medical tests for pre-existing conditions or higher coverage.
  • Income Proof: Salary slips or income tax returns.
  • Citizenship: Both Indian citizens and NRIs are eligible, subject to insurer terms

Common Exclusions in Critical Illness Policies

Critical illness insurance policies may exclude certain illnesses, medical conditions or circumstances, depending on the specific policy terms. You should review the policy document to understand the applicable exclusions and the conditions. Understanding the policy terms is essential before buying such an insurance policy. Here are some common exclusions in Critical Illness policies

1. Existing Conditions

Depending on the policy terms and conditions, the insurance policy may not cover some existing illnesses or pre-existing diseases.

2. Diseases not Mentioned in the Policy

Coverage for critical illnesses normally apply to specific diseases mentioned in the policy. Any other disease apart from those mentioned in the policy are not be considered for claims.

3. Self-induced Injury

The insurance company may not cover any injury resulting from intentional self-injury, depending on the policy terms and conditions.

4. Illnesses Within the Waiting Period

Some critical illness policies may not provide coverage for specified illnesses during the applicable waiting period. Ensure that you check the policy document for details of the waiting period. You should know the illnesses to which it applies and when coverage for those conditions becomes effective.

5. Medical History

You should disclose all your medical history while buying an insurance policy. Failure to do this might result in claim rejection depending on the policy terms.

Who Should Buy a Critical Illness Policy?

Critical illness insurance is a policy where an individual gets a lumpsum on the diagnosis of an critical illness. However, the policy should include the disease in its list of critical illnesses. It helps in addressing the cost involved in the medical treatment process. They can also use the money for other financial commitments during the recovery period. The following individuals may opt for benefits of critical illness insurance

1. Working Professionals

Working professionals depend entirely on their income to meet their daily expenses. If they meet with an eligible critical illness, they can take advantage of the critical illness plan. With the insurance policy they may be able to manage their financial obligations, both medical and non-medical.

2. Individuals with a Family History of Critical Illnesses

Individuals with a family history of certain critical illnesses may consider additional financial protection with the policy. They can use the critical illness benefits for their regular financial needs and medical expenses.

3. Self-Employed Individuals

Self-employed individuals receive no financial benefits from a particular organisation. Hence, the critical illness plan can help them maintain financial security. They can use the money to meet their needs on the diagnosis of an eligible critical illness. The amount helps them fulfill their financial obligations when they are unable to work and run their business operations.

4. Individuals With Existing Health Insurance

Health insurance plans pay for hospitalisation and any other eligible medical costs. Critical illness insurance plans pay out a lumpsum to the on the diagnosis of an eligible critical illness. Therefore, individuals requiring additional financial protection can consider both.

5. Primary Earners With Financial Dependents

Individuals who are the primary earning member for their families may consider critical illness coverage. Let us assume that they start suffering from an eligible critical illness. In that case, they cannot continue working and may lose their income. The critical illness policy can act as an income replacement for them.

The insured person can use the money to manage household expenses. Further, they can also use it for loan repayments and other financial commitments. This way, the family members do not face any financial stress.

Frequently Asked Questions (FAQs)

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ARN: Jan21/Bg/02B

Sources:

https://main.icmr.nic.in/sites/default/files/Nov1.pdf
https://www.maxlifeinsurance.com/content/dam/corporate/Brochures/Term-plans/English/smart-term-plan/smart-term-plan-prospectus.pdf

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