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              • Income Tax Rules Changes
              • Home>
              • Child Insurance Plans

              Invest Now
              Start Planning for Your Child's Education

              As a parent, your kids are the most important part of your lives. Smallest of your happy moments depend on them. While trying to maintain a balance between emotions & practical life, managing spending and savings often becomes a tricky task.

              You would do anything to make your children happy and to secure their life & future. Axis Max Life Child Insurance Plans have been specially customized to address your child’s future needs, even in your absence.

              Who should buy a child insurance plan?

              • Your child is between the age 0-15
              • You wish to create a corpus to fund his/her education
              • To beat inflation through regular investment

              What is a Child Insurance Plan?

              A child insurance plan is a combination of insurance and investment that ensure a secure future for your child. Life cover is available as a lumpsum payment at the end of policy term. Not just this, these plans also provide flexible payouts at important milestones of your child's education. While one may not want to think about unfortunate situations like death or serious medical illness, it’s important that you shield your child’s future against such incidents. Axis Max Life Child Insurance Plans ensure that your child’s future financial needs are taken care of even in your absence.

              Why Buy a Child Plan?

              Simple monthly savings might not suffice the growing higher education costs. For your child to shine in the competitive environment, education fees should be the last constraint. Child insurance plans provide you the flexibility to invest based on your child's education needs, your current financial status, and other monetary goals. Typically, child insurance plans provide a life cover of around 10 times the annual premium. Additionally, these plans also provide partial withdrawal facility as needed. Along with this, you can also avail tax benefits for the premium paid.

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              How a child insurance plan will secure your child's future?

              • image child_plan_icon_436974390a

                  Provides financial security during the most crucial years of your child's life



              • image child_plan_icon_436974390a

                  Offers a perfect blend of investment and savings in a single plan



              • image child_plan_icon_436974390a

                  Safeguards child's future, even after demise of the parent



              • image child_plan_icon_436974390a

                  Favours disciplined, long term savings, which usually becomes a challenge

              Axis Max Life Child Insurance Plans

              product-cta-icon1.svg

              AXIS MAX LIFE SHIKSHA PLUS SUPER

              • Safeguard your fund against market volatilities
              • Guaranteed loyalty benefits at the end of each policy year
              • Financial security for your child, in case of an unfortunate event
              Tell Me More

              Why Choose Axis Max Life?

              image percentage_icon_a2ec4ab62e

              99.65% Death Claim Paid Ratio

              (Source: Individual Death Claim Paid Ratio as per Audited Financials for FY 2023-2024)

              image homedot-icon

              304 Offices

              (Source : As reported to IRDAI, FY 2023-24)

              image award_icon_ec544d0e80

              ₹1,779,409 Cr. Sum Assured

              In force (individual) (Source : Axis Max Life Public Disclosure, FY 2023-24)

              image aim_icon_0360c7590c

              ₹150,836 Cr. Assets Under Management

              (Source : Axis Max Life Public Disclosure, FY 2023-24)

              Customer Reviews on Child Insurance Plans

              My daughter has been very good at studies since her childhood. We didn't want our financial situation to come in between her studies. That's why I started exploring education loans and came across Axis Max Life insurance plans. I bought Future genius education plan which I found to be quite affordable and payments can also be made easier. Now, I can support my daughter to choose a career of her own without worrying about financial issues.


              Mr. Gogoi, 35 years

              Assam

              Frequently Asked Questions

              search

              1. What is so special about a Child Plan?

              Child plans are insurance cum investment plans that help an individual create a corpus for children’s future, over a period of time (policy term). On maturity, these plans pay a lump sum amount which can be used to pay your child’s college fees or marriage expenses. The insurance cover amount in these plans is at least 10 times the amount of premium paid.


              In the event of the policyholder’s death anytime during the policy term, the child/nominee receives the lump sum amount (death benefit) as promised at the time of purchasing the policy. But the unique point about child plans is that the policy does not end here. All future premiums are paid by the insurance company and the maturity benefits, at the end of the policy term, are also paid to the child. Some plans also offer monthly income in addition to the death benefit to meet the day to day expenses. A child insurance plan thus offers dual benefits of insurance and investment and should be an integral part of financial planning for your child’s future.

              2. Why should you buy a Child Insurance Plan?

              As a parent, you want to fulfill your children’s dreams and save money for their education, marriage. Child insurance plans not only help you build a corpus towards these goals but also protect children’s future in your absence. Therefore they are a good solution for someone who wants to work towards these goals and minimize risk at the same time.
              Some of the other benefits of a child plan are:
              Use as a collateral - If you plan to avail an education loan for your child in the future, then you can use the child insurance plan as collateral.
              Partial withdrawal - If the child is hospitalized due to a medical condition or accident, these plans allow you to withdraw a lump sum amount from the yet-to-mature policy. This pay-out will act as an add-on to your health insurance plan.
              Tax benefit – As per the existing tax laws premiums paid towards child plans are exempted under section 80C of the Income Tax Act. Maturity benefits are also exempt from tax as per section 10(10D) of the Act.

              3. What is the right time to buy a Child Plan?

              With the ever-rising cost of education and all the activities, inputs that are required for a good upbringing of your child, you need to be smart about your financial planning. Child plans offer a disciplined and secure method of saving to safeguard your child’s future. Starting early on this journey will help you build a significant corpus for meeting the future expenses of your child’s education.


              If you invest Rs. 5,000 a month for 20 years, your corpus can grow to Rs. 28,45,000 (@8% return). On the other hand, if you delay by just 5 years, you will have to invest Rs. 8,500 a month for 15 years to reach the same corpus. In effect, the 5-year delay has cost you an additional investment of Rs. 3,30,000!


              Therefore buying a child plan as early as possible is the prudent thing to do. Parents can purchase a plan for a child as young as 14 days old, with the policy tenure varying from 15–25 years.

              4. What are things to consider while buying a Child Plan?

              Financial goal and cover amount – The first step is estimating the amount of money you will need to fulfill your child's interests, aspirations. For instance, if you are buying the policy for your child’s education, factor in costs towards extra-curricular activities, travel, boarding etc. in addition to the course fee. Use this future expense calculator to ascertain the inflation-adjusted amount you should aim for.
              Policy term – A child plan can be purchased for a tenure varying from 15–25 years.
              Choose a policy term that coincides with an important milestone for your child. For instance, if your daughter is 2 years old today and you expect her to start her college at age 18, buy a policy with a term of 16 years. Fund options – Most child insurance policies offer multiple fund options with varying degrees of risk (equity-debt allocation). Based on your financial risk appetite and investment tenure, choose the fund that meets your requirements. Additional features - You should also check if the plan has additional features like withdrawal facility at important milestone of your child’s life, assured bonus and loyalty additions.

              5. What are the types of Child Plans?

              Child insurance plans are of two types:


              • Investment plans - Plans that invest in the equity/ debt market (Non-Participating Unit Linked Insurance Plans). In this plan, you pay regular premiums or for a limited period which are invested in both equity and debt instruments. Being market linked, these plans can give good returns over a long policy term. Based on your financial risk appetite, you can choose from fund options with varying degrees of risk (equity-debt allocation).
              • Savings plan - Plans that do not invest in the market (Non-Linked Participating Insurance Plans). In this plan, you pay regular premiums or for a limited period and at the end of the policy term, you receive guaranteed pay-outs every year. Additionally, you receive any accrued bonus.

              In both plans, in the event of your death, your child/nominee receives a lump sum amount (death benefit). In addition, the policy continues and all the future premiums are waived by the company. The child will still receive the maturity benefits once the premium payment term is over. In addition, he/she will also receive the accrued bonus.

              ARN: PCP/OIP/18102022

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              • MAX INDIA
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              • 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. 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: 104N118V10)– 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).

              ~3Disclaimer: A 35-year-old female opting for a life cover of Rs. 1 Cr till the age of 75 years pays Rs. 3,963 monthly for 10 years while a 35-year-old male will pay Rs. 4,977 monthly for 10 years

              *++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.

              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