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Axis Max Life Term Insurance Plans

₹10 Lakh Cover @₹409/m
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64 Critical Illnesses @>
Starts @ ₹578@7/Month
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₹1 Crore Term Plan
Starts @ ₹876@8/Month
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₹2 Crore Term Plan
Special Exit Value~1 Benefit
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Free of Cost Option
15% + 15% Discount3
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Term Plan For Women
18% GST 0% GST
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Term Plans For NRI
Trust of 20+ Years in Industry
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Written byLakshey Bahlverification-badge
Insurance Writer
Published 6th December 2025
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Reviewed byVaibhav Kumarverification-badge
Last Modified 8th December 2025
Insurance Domain Expert
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What is a Health Insurance Premium Calculator?

A health insurance premium calculator is a digital tool that computes the premium payable for a health insurance policy. It provides you with an estimate of how much premium you would need to pay based on your personal and health details.

This tool gives you a quick understanding of base health policy and linked rider costs, allowing you to explore different plans without having to ask for quotations from various insurers

How does a Health Insurance Calculator Work?

A health insurance calculator considers your key personal details. This includes factors such as age, gender, sum insured, policy tenure, health history, and lifestyle habits.


Basis the inputs, it computes estimated premiums for various health insurance plans. Then it factors in policy elements like sum insured, policy tenure, and number of members to cover.

Based on this information, the tool applies underwriting logic and models for risk assessment to calculate your premium.

Who Should Use a Medical Insurance Premium Calculator?

A medical insurance premium calculator can help anyone who is planning to buy or renew a health policy. Young policyholders can use it to understand how starting early lowers their premiums. Families can estimate costs for covering multiple members under one plan.


It is equally practical for policyholders with pre-existing conditions or lifestyle habits, as it helps them anticipate higher premiums and budget accordingly. Even those comparing policies across insurers can benefit from the tool, as it offers an unbiased premium estimate.

Benefits of Using a Health Insurance Premium Calculator

A health insurance or mediclaim premium calculator has more benefits than just estimating your insurance premiums:


Time-Saving and Instant Results


A health insurance calculator delivers premium estimates almost instantly, as it does not need to contact multiple insurers or wait for their quotations. It saves you time and effort, so you can shortlist multiple plans. You can further narrow down your list of policies with minimum or no waiting period, making the purchase or renewal of health insurance simple, quick, and stress-free.

Allows Comparing Policies


A health insurance premium calculator allows a quick comparison between multiple health insurance plans. By displaying premiums, coverage, co-pay limits, and benefits simultaneously, it lets you zero down on the plan that offers the best value as per your requirements.

Helps Spend Planning within Budget


A health insurance premium calculator supports budgeting through a clear view of expected expenses. You can allocate your hard-earned money wisely, balance coverage and affordability, and plan annual or monthly payments. This foresight lets you select a health plan within your budget and avail required coverage.

Factors Affecting Health Insurance Premiums

While a health insurance premium calculator helps you calculate the premium payable as per your desired coverage, the following factors affect your health insurance premium directly


Age and Gender


Your age is the primary determinant of your health insurance premium. The younger you are the lower premiums you pay for health insurance because you are less likely to contract serious health issues. Your gender may also affect your health insurance premium.

For example, women may pay higher premiums than men do when purchasing health insurance during particular age slabs due to maternity-related coverage. Similarly, men may pay higher premiums because of their riskier lifestyle patterns compared to women.

Medical History


Your medical history also directly influences your health insurance premium. Individuals with pre-existing diseases like diabetes, hypertension, or chronic illnesses typically pay higher premiums compared to others because of their higher chances of raising claims in near future.

Notably, insurers consider your family’s medical history to evaluate hereditary risks. Hiding any such details can result in claim rejection in future. Therefore, do disclose your correct medical history to discourage any complications during claims.

Sum Insured and Policy Duration


The sum insured or health coverage you seek directly affects your policy the premium. While a higher sum insured provides greater coverage, it increases the corresponding premium. Also, remember that a policy with longer term can lock in premium for multiple years.

Lifestyle Habits


Lifestyle choices (e.g., smoking, alcohol consumption, and physical activity) also affect your health insurance premium. Compared to non-smokers, smoker individuals or those having unhealthy habits are at a greater risk of developing chronic conditions, which causes insurers to charge higher premiums.

If you have a healthy lifestyle that involves regular exercise, a balanced diet, and no tobacco and alcohol, you need to pay lower health insurance premium.

3 Important Tips to Reduce Your Health Insurance Premium

Although multiple lifestyle habits influence your health insurance premium, you can adopt smart strategies to lower costs without compromising the coverage.


Buy Policy at a Young Age


Since your age plays a crucial role in determining your health insurance premiums, it is advisable to purchase health insurance as early as possible. When you are young, you are less likely to contract serious illnesses that increase your premium significantly.

Early enrolment also allows you to upgrade you plan, such as adding your spouse or child to your existing health plan, over time, which increases the annual premium.

Choose a Family Floater Plan


A family floater plan, as the name suggests, covers multiple members of your family under a single policy. Such a plan offers a better cost to coverage ratio compared to an individual health plan.

Family floater health insurance premiums are determined based on the age of the eldest member in the family. Thus, it is advisable to exclude your parents with existing conditions like diabetes, hypertension, a heart or kidney-related issue from your family plan to avoid significant increase in premium.

You can purchase a separate health plan for your parents with existing ailments.

Include Deductibles


As the name suggests, a deductible is part of medical expense that you have to pay from your own pocket, before you raise a claim with your insurer. The higher the deductible in your policy, the lower the premium payable for it.

This option is generally suitable for policyholders with sufficient savings to manage small medical expenses from their own pockets. However, it is advisable to evaluate your finances beforehand so that an unplanned hospitalisation does not break you bank.

Tax Benefits of Health Insurance Premiums

The premium you pay for a health insurance plan reduces your annual tax liability under section 80D of Income Tax Act, 1961, under old tax regime.

What is Section 80D Deduction?


Section 80D of the Income Tax Act, 1961, allows you as an individual and Hindu Undivided Families (HUFs) to avail income tax deduction subject to health insurance premium you paid in a financial year.

You can avail tax deduction under this IT section for health insurance premium paid against coverage availed by you, your spouse, children, and parents.

Tax Limits Applicable


You can avail tax deduction u/s 80D up to ₹25,000 per financial year for self, spouse, and dependent children, in case you are below 60 years of age.

If you pay health insurance premium for your senior citizen parents (above 60 years of age), you can avail an additional tax deduction up to ₹50,000. You can also avail tax deduction up to ₹5,000 annually against preventive health check-ups.

Comparing Health Insurance Plans Using a Health Insurance Cost Calculator

In addition to letting you get an estimate of your premium, a health insurance cost calculator allows you to compare multiple plans subject to the following criteria.

Sum Insured vs Premium Cost


Health plans with higher sums insured certainly have higher annual premiums associated with them. For example, a ₹5 lakh health plan will certainly cost less than a ₹10 lakh health plan for the same age group and purchase criteria. Thus, you need to evaluate your healthcare needs and then look for a plan with sufficient coverage within your budget.

Evaluate Add-ons and Riders


If you can choose add-ons/ riders, such as critical illnesses, maternity, or accidental injuries/death benefit, and hospital cash allowances, to enhance the base coverage of your health plan, then you must take a decision accordingly.

Such add-ons enhance your health coverage, but increase the premium as well. Therefore, simply evaluate the cost to coverage ratio and then only choose a rider.

Features vs Price


Certain features, such as room rent limits, daycare procedures, and wellness benefits, often help differentiate between plans. Therefore, a plan with a wide hospital network in your city may be available at a higher premium than others that offer limited features and fewer network hospitals.

The health insurance cost calculator you are using may show these features alongside premiums. You need to evaluate the value each plan provides against its premium and choose the plan that offers adequate coverage within your budget.

Required Information for a Mediclaim Premium Calculator

To get a premium estimate, a mediclaim premium calculator requires a few details:


    1.Age, Gender, and Location

    To determine health risks and healthcare costs in your area.

    2.Medical Status and Family Medical History

    Your existing and previous medical issues, along with hereditary risks, can lead to potential claims.

    3.Lifestyle Habits

    Smoking, tobacco use, alcohol consumption, exercise, and other lifestyle choices affect your premium.

    4.Occupation

    Certain jobs carry higher health risks compared to others, which plays a key role in policy pricing.

    5.Coverage Amount and Policy Tenure

    Sum insured you choose and policy duration you pick manipulate the coverage you seek and thus associated premium.

    6.Riders or Add-ons

    Optional coverage, such as maternity, critical illness, or accidental injuries/death benefits, can increase your annual premium.

    7.No Claim Bonus

    This is not applicable for fresh health policy buyers. If you have not raised a health claim before, you may get to pay a lower renewal premium.

Common Mistakes to Avoid While Using the Calculator

A health insurance premium calculator can help you compute your health insurance premium as well as compare multiple policies, but certain mistakes can lead to incorrect results.

This eventually defeats the sole purpose of having this tool handy. The following are some common mistakes people make and you must avoid:

Hiding Correct Details


When getting an estimate of your health insurance premium, supplying incorrect information or not disclosing your correct health status or family history results in incorrect quotation.

For example, entering incorrect age or hiding medical history or a pre-existing disease will result in incorrect premium.

Overlooking Policy Exclusions


When calculating your health insurance premium, you may not see policy exclusions upfront, but you must explore the details or read the fine prints. If you fail to consider exclusions, you may end up underestimating the exclusions of your plan, resulting in inadequate medical coverage.

Not Comparing Essential Details


Although such calculators provide estimated premiums for various plans, reading only certain features, add-ons, deductibles, and riders may not truly serve the purpose of having this tool.

You need to be thorough when comparing and evaluating what a plan is offering compared to others and whether this plan fulfills your health-related needs.

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FAQs - Health Insurance Premium Calculator

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What details are required to use the calculator?

Enter your age, gender, and contact information to get started. You may also need to provide information about additional members to insure in case of a family floater plan, lifestyle habits, health history of each member, policy tenure, and optional add-ons (if any) to get an estimated premium quote

Can I compare multiple plans?

Yes, health insurance premium calculators often allow policy comparison side by side. You can view premiums, extent of coverage, deductibles (if any), or add-ons applicable to different policies

Is the premium shown final?

No, the premium shown by such a calculator is an estimate based on the details you entered. The final premium you need to pay for a plan may vary subject to medical evaluation, underwriting, and additional key factors.

Is the tool free to use?

Yes, most health insurance premium calculators available online are free to use. You need to enter your required details, and then you can compare multiple plans and view estimated premiums of these plans without paying any charges

Does the calculator account for tax savings?

A health insurance premium calculator compares multiple plans and gives you estimated insurance premiums for them. It does not calculate associated tax benefits. However, you can avail tax deduction u/s 80D of Income Tax Act, 1961, subject to a maximum of ₹25,000 against premium paid for yourself, your spouse, and children.

ARN: Nov25/Bg/18S

Sources:

https://incometaxindia.gov.in/_layouts/15/dit/Pages/viewer.aspx?grp=Act&cname=CMSID&cval=102120000000090906&searchFilter=[{%22CrawledPropertyKey%22:1,%22Value%22:%22Act%22,%22SearchOperand%22:2},{%22CrawledPropertyKey%22:0,%22Value%22:%22Income-tax%20Act,%201961%22,%22SearchOperand%22:2},{%22CrawledPropertyKey%22:29,%22Value%22:%222025%22,%22SearchOperand%22:2}]&k=&IsDlg=0

https://www.bajajfinserv.in/marketplace/insurance/health-insurance/health-insurance-premium-calculator/getGoingNow

www.indiapost.gov.in/Financial/pages/content/post-office-saving-schemes.aspx

https://www.icici.bank.in/blogs/health-insurance/how-do-i-calculate-my-health-insurance-premium



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Customer Service
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BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS

IRDAI clarifies to public that:
  • • IRDAI or its officials do not involve in activities like selling insurance policies,
      announcing bonus, or investments 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

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

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

DISCLAIMERS

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

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

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

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

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

Fax Number: 0124-4159397.

Email ID: service.helpdesk@axismaxlife.com

Website: https://www.axismaxlife.com

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

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

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

Celeb disclaimer (if images being used):

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

Disclaimers for Market Linked Plans & Saving plans:

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

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

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

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

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

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

Privacy Policy

^^On completion of policy term

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

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

> Original policy document

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

> Death claim application form (Form A)

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

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

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

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

315% discount is applicable only on the first year premium for salaried employees with a corporate, purchasing Axis Max Life Smart Term Plan Plus (UIN: 104N127V05). 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: 104N125V09). Mandatory Documents:

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

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

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

7Available with Axis Max Life Smart Wealth Plan (UIN: 104N116V15)

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

9This is applicable for a 24-Year Old Healthy Male, Non-Smoker, 25 Years Policy Term, 25 Year Premium Payment Term for Axis Max Life Smart Secure Plus Plan (UIN: 104N118V12).

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

PThe lifetime discount of 5% in Axis Max Life Smart Total Elite Protection Plan (UIN: 104N125V09) is available for entire premium payment term for sales through exclusive web link. The savings figure mentioned above has been calculated using the difference between discounted and undiscounted total premiums paid by a 45 year old male paying premium for 40 years and policy term of 40 years for a life cover of 1Cr.

##Tax conditions :

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

CI Rider disclaimers:

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

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

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

22 critical illnesses covered in gold and gold plus variant

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

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

~1 Conditions for Special exit value:

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

~2 Voluntary Top-up Sum assured:

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

^^*^^Free look period conditions:

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

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

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

Terms and conditions for availing 5% employee discount:

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

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

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

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

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

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

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

*~Disclaimers

Axis Max Life Smart Secure Plus Plan. A non-linked non-participating individual pure risk life insurance plan (UIN: 104N118V12). Benefit available with special exit value -Total premium paid inclusive of any extra premium but exclusive of all applicable taxes, cesses or levies & modal extra. The premium calculated as per Standard premium for 30-year-old healthy male, non-smoker, 40 years’ policy term, 40 years’ premium payment term for Axis Max Life Smart Secure Plus Plan.

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

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

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

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

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

~1Axis Max Life Smart Secure Plus Plan, A non-linked non-participating Individual Pure Risk Life Insurance Plan (UIN: 104N118V12). Standard Premium for 30 year old healthy male, non-smoker, 40 years policy term, 40 year premium payment term for Axis Max Life Smart Secure Plus Plan | ~1 Conditions for special exit value: Option to receive all premiums paid back, at a specified point in the term of the policy (free of cost). Available when Return of premium variant is not chosen. No additional premium to be paid. Option to receive all premiums back. Flexibility of exiting the plan early. Special Exit Value cover applicable till age 68 & above (of your age). T&C Apply.

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

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

^1Disclaimer: Standard premium for 24-year old healthy male, non-smoker, 25 years policy term,25 year premium payment term for Axis Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V09) with a life cover of Rs. 50 lakh.

^2Disclaimer: Standard premium for 24-year old healthy male, non-smoker, 25 years policy term,25 year premium payment term for Axis Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V09) 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 for Axis Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V09) 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 for Axis Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V09) with a life cover of Rs. 1.5 Cr.

^5Disclaimer: Standard premium for 24-year old healthy male, non-smoker, 25 years policy term,25 year premium payment term for Axis Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V09) with a life cover of Rs. 2 Cr.

^6Disclaimer: Standard premium for 24-year old healthy male, non-smoker, 25 years policy term, 25 year premium payment term for Axis Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V09) with a life cover of Rs. 5 Cr.

^7Disclaimer: Standard premium for 24-year old healthy male, non-smoker, 25 years policy term, 25 year premium payment term for Axis Max Life Smart Term Plan Plus (UIN: 104N127V05) - Regular Cover with a life cover of Rs. 1 Cr.

~*Disclaimer: Standard premium for 24-year old healthy female,non-smoker, 25 years policy term, 25 year premium payment term for Axis Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V09)

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

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

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

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

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

**@Axis Max Life's Forever Young Pension Plan (UIN: 104L075V09) is a Unit Linked Pension Plan. Axis Max Life Insurance is only the name of the insurance company and Axis Max Life Forever Young Pension Plan (UIN: 104L075V09) is only the name of the unit linked pension product and does not in any way indicate the quality of the contract, its future prospects or returns. The premium paid in the Unit Linked Policies is subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions.

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

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

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

@3Standard premium for 20-year old healthy male, non-smoker, 25 years policy term, 25 year premium payment term for Axis Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V09)| The above mentioned premium is the discounted monthly premium to be paid in 1st year. Discount is applicable only for salaried employees with a corporate, purchasing via web link. During policy issuance, Axis Max life may call for proof of employment if required. In case proposer when asked is not able to prove the employment part, discount offer will be discontinued and additional premium as applicable will have to be paid for processing of the case.

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

@6Disclaimer: Standard premium for 3 Cr. Life Cover for 20-year old healthy male, non-smoker, 25 years policy term, 25 year premium payment term for Regular Cover Variant of Axis Max Life Smart Term Plan Plus (UIN:104N127V05)| The above mentioned premium is the discounted monthly premium to be paid in 1st year. Discount is applicable only for salaried employees with a corporate. During policy issuance, Axis Max Life may call for proof of employment if required. In case proposer when asked is not able to prove the employment part, discount offer will be discontinued and additional premium as applicable will have to be paid for processing of the case.

@7Disclaimer: Standard premium for 1 Cr. Life Cover for 20-year old healthy male, non-smoker, 25 years policy term, 25 year premium payment term for Regular Cover Variant of Axis Max Life Smart Term Plan Plus (UIN:104N127V05)| 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 2 Cr. Life Cover for 20-year old healthy male, non-smoker, 25 years policy term, 25 year premium payment term for Regular Cover Variant of Axis Max Life Smart Term Plan Plus (UIN: 104N127V05)| The above mentioned premium is the discounted monthly premium to be paid in 1st year. Discount is applicable only for salaried employees with a corporate, purchasing via web link. During policy issuance, Axis Max Life may call for proof of employment if required. In case proposer when asked is not able to prove the employment part, discount offer will be discontinued and additional premium as applicable will have to be paid for processing of the case.

@9Disclaimer: Standard premium for 1 Cr. Life Cover for 20-year old healthy Female, non-smoker, 25 years policy term, 25 year premium payment term for Axis Max Life Smart Term Plan Plus (UIN: 104N127V05) 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.

@10Disclaimer: Standard premium for 5 Cr. Life Cover for 20-year old healthy male, non-smoker, 25 years policy term, 25 year premium payment term for Regular Cover Variant of Axis Max Life Smart Term Plan Plus (UIN: 104N127V05)| 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. Axis Max Life Nifty Smallcap Quality Index Fund is passively managed Index fund that tracks the Nifty SmallCap 250 Quality50 index (subject to tracking error).

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

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

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

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

Disclaimer: %$The Nifty500 Multifactor MQVLv 50 Index was launched in Feb’25. The past returns are back tested based on historical returns and formula (provided by NSE). These are returns of benchmark indices and are not indicative of return on Axis Max Life Insurance’s NIFTY 500 Multifactor 50 Index Pension Fund. Axis Max Life’s NIFTY 500 Multifactor 50 Index Pension Fund (SFIN: ULIF03523/06/25PENSMULFAC104) is a passively managed Index Pension Fund that mirrors NSE’s Nifty500 Multifactor MQVLv 50 Index, subject to tracking error. The fund value calculation is done by projecting historical returns of NSE’s Nifty500 Multifactor MQVLv 50 Index, after adjusting for all expenses (except tracking error) Axis Max Life’s Forever Young Pension Plan (UIN: 104L075V09) for a 30-year old male investing 10K/20k per month for 10 years. The above return values have been calculated assuming 21% p.a. gross investment returns, which is the returns since inception of NSE's Nifty500 Multifactor MQVLv 50 Index (backtested) as on 10th June 2025.

Disclaimer: ^$The fund value calculation is done by projecting returns of NSE's Nifty 500 Multifactor MQVLv 50 Index at 21% gross investment returns ( which is the return since inception (backtested) as on June 10, 2025), after adjusting for all expenses (except tracking error) in Axis Max Life’s Forever Young Pension Plan (UIN: 104L075V09). The pension amount has been calculated assuming that the proceeds from the entire corpus available at the time of maturity of Forever Young Pension Plan (UIN: 104L075V09) has been used to purchase Smart Guaranteed Pension Plan (UIN: 104N122V23) Single Life Immediate Annuity for life (with death benefit) option.

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

Disclaimer: $^The returns shown above are based on the past performance of Axis Max Life’s High Growth Fund (SFIN: ULIF01311/02/08LIFEHIGHGR104). These are past returns and are not indicative of return on Axis Max Life Insurance’s High Growth Pension Fund. Axis Max Life’s High Growth Pension Fund (SFIN: ULIF03722/09/25PENSHIGHGR104) is an actively managed pension fund, with an objective to invest in mid cap equities, where predominant investments are equities of companies with high growth potential in the long term. The fund value calculation is done by projecting the past returns of AMLI’s High Growth Fund after adjusting for all expenses in Axis Max Life’s Forever Young Pension Plan (UIN: 104L075V09) for a 30 year old male investing 5K/10K/20K/30K per month for 10 years. The above value(s) have been calculated assuming 21.4% p.a. gross investment returns, which is the past 7-years returns of Axis Max Life’s High Growth Fund.

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

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

The maturity amount shown above is for a 30-year old healthy male who invests Rs. 5K/10K per month for 10 years and remains invested for 20 years. The total premium to be paid (excl. GST) in 10 years will be Rs. 6 Lakhs/12 lakhs. The guaranteed benefits are available under Axis Max Life Smart Wealth Advantage Guarantee Plan (UIN:104N124V16) & are applicable if all the premiums are paid.

Capital Guarantee solution is a combination of benefits of two individual and separate products named Axis Max Life Online Savings Plan, A Unit Linked Non Participating Individual Life Insurance Plan (UIN: 104L098V06) and Axis Max Life Smart Wealth Advantage Guarantee Plan, (A Non Linked Non-Participating Individual Life Insurance Savings Plan, UIN: 104N124V16). These products are also available for sale individually without the combination offered/suggested. This benefit illustration is the arithmetic combination and chronological listing of combined benefits of individual products. The customer is advised to refer to the detailed sales brochure of respective individual products mentioned herein before concluding the sale.

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

The fund value calculation is done by projecting the past returns of BSE 500 Dividend Leaders 50 Index after adjusting for all expenses in Axis Max Life’s Forever Young Pension Plan (UIN: 104L075V09) for a 30 year old male investing 5K/10K per month for 10 years. The above values have been calculated assuming 22.3% p.a. gross investment returns, which is the past 7-years returns of BSE 500 Dividend Leaders 50 Index Fund (Back-tested).

Disclaimer: @@The returns shown above are based on the past performance of AMLI’s High Growth Fund (SFIN: ULIF01311/02/08LIFEHIGHGR104). These are past returns and are not indicative of return of AMLI's High Growth Fund II (SFIN: ULIF04117/12/25HIGHGROWTH104). AMLI's High Growth Fund II is a mid-cap fund investing in companies with high growth potential in the long term. At least 80% of the Fund corpus is always invested in equities. However, the remaining is invested in government securities, corporate bonds and money market instruments; hence the risk involved is relatively higher.

The fund value calculation is done by projecting the past returns of AMLI’s High Growth Fund after adjusting for all expenses in Axis Max Life Online Savings Plan Plus (UIN: 104L131V01) for a 30 year old male investing 5K/10K per month for 10 years. The above values have been calculated assuming 23.7% p.a. gross investment returns, which is the past 7-years returns of AMLI’s High Growth Fund.

Disclaimer: $2Axis Max Life Growth Super Fund II

Capital Guarantee: The maturity amount shown above is for a 30-year old healthy male who invests Rs. 5K/10K per month for 10 years and remains invested for 20 years. The total premium to be paid in 10 years will be Rs. 6 Lakhs/12 lakhs. The guaranteed benefits are available under Axis Max Life Smart Wealth Advantage Guarantee Plan (UIN:104N124V16) & are applicable if all the premiums are paid.

Capital Guarantee solution is a combination of benefits of two individual and separate products named Max Life Online Savings Plan, A Unit Linked Non Participating Individual Life Insurance Plan (UIN: 104L098V06) and Max Life Smart Wealth Advantage Guarantee Plan, (A Non Linked Non-Participating Individual Life Insurance Savings Plan, UIN: 104N124V16). These products are also available for sale individually without the combination offered/suggested. This benefit illustration is the arithmetic combination and chronological listing of combined benefits of individual products. The customer is advised to refer to the detailed sales brochure of respective individual products mentioned herein before concluding the sale.

Online Savings Plan Plus: The returns shown above are based on the past performance of AMLI’s Growth Super Fund (SFIN: ULIF01108/02/07LIFEGRWSUP104). These are past returns and are not indicative of return of AMLI's Growth Super Fund II(SFIN: ULIF04217/12/25GROWTHSUPR104). AMLI's Growth Super Fund II is primarily an equity oriented fund. At least 80% of the fund corpus is invested in equities at all times. The remaining is invested in debt instruments across Government, corporate and money market papers; hence the risk involved is relatively higher.

The fund value calculation is done by projecting the past returns of AMLI’s Growth Super Fund (SFIN: ULIF01108/02/07LIFEGRWSUP104) after adjusting for all expenses in Axis Max Life Online Savings Plan Plus (UIN: 104L131V01) for a 30 year old male investing 5K/10K per month for 10 years. The above values have been calculated assuming 14.42% p.a. gross investment returns, which is the past 7-years returns of AMLI’s Growth Super Fund.

FWAP Retirement: The monthly income functionality can be availed using the Smart Withdrawal feature available with the Whole Life variant in Axis Max Life’s Flexi Wealth Advantage Plan(UIN: 104L121V04). The monthly income shown above has been computed assuming 21st policy year as the income start year, smart withdrawal percentage of 8% for a 30 year old male investing 5K/10K per month for 10 years with 14.42% p.a. gross investment returns, which is the past 7-years returns of AMLI’s Growth Super Fund (SFIN: ULIF01108/02/07LIFEGRWSUP104). These are past returns and are not indicative of return of AMLI's Growth Super II Fund II(SFIN: ULIF04217/12/25GROWTHSUPR104). AMLI's Growth Super Fund II is primarily an equity oriented fund. At least 80% of the fund corpus is invested in equities at all times. The remaining is invested in debt instruments across Government, corporate and money market papers; hence the risk involved is relatively higher.

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

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

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

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

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

Disclaimer: *9The assumed rate of return (8% p.a.) shown in the illustrative example is not guaranteed is not the upper or lower limit of what you might get back. The value of your policy depends on multiple factors including future investment performance. The maturity amount shown is for a 30-year-old healthy male, paying premium of ₹10,000 per month for 30 years premium payment term, and 30 years policy term with Axis Max Life Online Saving Plan Plus (A Unit Linked Non-Participating Individual Life Insurance Plan) | Life Insurance is available in this product.

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

For Sum assured of 75 lakh, 1 crore, 1.5 crore and 2 crore, the below calculations are based on Axis Max Life Smart Total Elite Protection Term Plan (A Non Linked Non Participating Individual Pure Risk Life Insurance Plan, UIN: 104N125V09). Monthly premium amounts are before any applicable discounts assuming Regular Pay and monthly payment mode.

Age of Male ApplicantPremium Amount for Rs. 75 lakh Term PlanPremium Amount for Rs. 1 crore Term PlanPremium Amount for Rs. 1.5 crore Term PlanPremium Amount for Rs. 2 crore Term Plan
SmokerNon-SmokerSmokerNon-SmokerSmokerNon-SmokerSmokerNon-Smoker
18 Years (PPT: 67 years)1,675/Month
Total Premium: 12.75 lakh		930/Month
Total Premium: 7.08 lakh		1,674/Month
Total Premium: 12.74 lakh		930/Month
Total Premium: 7.08 lakh		2,511/Month
Total Premium: 19.11 lakh		1,395/Month
Total Premium: 10.62 lakh		3,069/Month
Total Premium: 23.36 lakh		1,705/Month
Total Premium: 12.98 lakh
25 Years (PPT: 60 years)2,213/Month
Total Premium: 15.09 lakh		1,229/Month
Total Premium: 8.38 lakh		2,292/Month
Total Premium: 15.62 lakh		1,273/Month
Total Premium: 8.68 lakh		3,438/Month
Total Premium: 23.44 lakh		1,910/Month
Total Premium: 13.02 lakh		4,138/Month
Total Premium: 28.21 lakh		2,299/Month
Total Premium: 15.67 lakh
35 Years (PPT: 50 years)3,528/Month
Total Premium: 20.35 lakh		1,990/Month
Total Premium: 11.31 lakh		4,007/Month
Total Premium: 22.77 lakh		2,226/Month
Total Premium: 12.65 lakh		6,011/Month
Total Premium: 34.15 lakh		3,339/Month
Total Premium: 18.97 lakh		6,821/Month
Total Premium: 38.76 lakh		3,790/Month
Total Premium: 21.12 lakh
45 Years (PPT: 40 years)6,722/Month
Total Premium: 30.56 lakh		3,734/Month
Total Premium: 16.97 lakh		7,395/Month
Total Premium: 33.61 lakh		4,108/Month
Total Premium: 18.67 lakh		11,093/Month
Total Premium: 50.42 lakh		6,163/Month
Total Premium: 28.25 lakh		14,390/Month
Total Premium: 65.41 lakh		7,994/Month
Total Premium: 36.34 lakh
55 Years (PPT: 30 years)13,121/Month
Total Premium: 44.73 lakh		7,289/Month
Total Premium: 24.85 lakh		15,303/Month
Total Premium: 52.17 lakh		8,502/Month
Total Premium: 28.98 lakh		22,955/Month
Total Premium: 78.25 lakh		12,753/Month
Total Premium: 43.47 lakh		30,006/Month
Total Premium: 102.29 lakh		16,670/Month
Total Premium: 56.83 lakh
60 Years (PPT: 25 years)18,963/Month
Total Premium: 53.87 lakh		10,535/Month
Total Premium: 29.93 lakh		22,272/Month
Total Premium: 63.27 lakh		12,373/Month
Total Premium: 35.15 lakh		33,408/Month
Total Premium: 94.91 lakh		18,560/Month
Total Premium: 52.73 lakh		43,123/Month
Total Premium: 122.51 lakh		23,957/Month
Total Premium: 68.06 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)1,675/Month
Total Premium payable: 12.75 lakh		930/Month
Total Premium payable: 7.08 lakh		1,674/Month
Total Premium payable: 12.74 lakh		930/Month
Total Premium payable: 7.08 lakh		2,511/Month
Total Premium payable: 19.11 lakh		1,395/Month
Total Premium payable: 10.62 lakh		3,069/Month
Total Premium payable: 23.36 lakh		1,705/Month
Total Premium payable: 12.98 lakh
25 Years (PPT: 60 years)1,922/Month
Total Premium payable: 13.10 lakh		1,068/Month
Total Premium payable: 7.28 lakh		1,946/Month
Total Premium payable: 13.27 lakh		1,081/Month
Total Premium payable: 7.37 lakh		2,919/Month
Total Premium payable: 19.90 lakh		1,621/Month
Total Premium payable: 11.05 lakh		3,410/Month
Total Premium payable: 23.25 lakh		1,894/Month
Total Premium payable: 12.91 lakh
35 Years (PPT: 50 years)2,946/Month
Total Premium payable: 16.74 lakh		1,637/Month
Total Premium payable: 9.30 lakh		3,240/Month
Total Premium payable: 18.41 lakh		1,800/Month
Total Premium payable: 10.23 lakh		4,860/Month
Total Premium payable: 27.61 lakh		2,700/Month
Total Premium payable: 15.34 lakh		5,507/Month
Total Premium payable: 31.29 lakh		3,059/Month
Total Premium payable: 17.38 lakh
45 Years (PPT: 40 years)5,396/Month
Total Premium payable: 24.53 lakh		2,998/Month
Total Premium payable: 13.63 lakh		5,645/Month
Total Premium payable: 25.66 lakh		3,136/Month
Total Premium payable: 14.25 lakh		8,468/Month
Total Premium payable: 38.49 lakh		4,704/Month
Total Premium payable: 21.38 lakh		10,893/Month
Total Premium payable: 49.51 lakh		6,051/Month
Total Premium payable: 27.51 lakh
55 Years (PPT: 30 years)10,000/Month
Total Premium payable: 34.09 lakh		5,555/Month
Total Premium payable: 18.94 lakh		11,269/Month
Total Premium payable: 38.42 lakh		6,261/Month
Total Premium payable: 21.34 lakh		16,904/Month
Total Premium payable: 57.63 lakh		9,391/Month
Total Premium payable: 32.01 lakh		22,227/Month
Total Premium payable: 75.77 lakh		12,348/Month
Total Premium payable: 42.10 lakh
60 Years (PPT: 25 years)14,195/Month
Total Premium payable: 40.33 lakh		7,886/Month
Total Premium payable: 22.40 lakh		16,538/Month
Total Premium payable: 46.98 lakh		9,188/Month
Total Premium payable: 26.10 lakh		24,808/Month
Total Premium payable: 70.48 lakh		13,782/Month
Total Premium payable: 39.15 lakh		32,049/Month
Total Premium payable: 91.05 lakh		17,805/Month
Total Premium payable: 50.58 lakh

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