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                • Income Tax Rules Changes
                • Home>
                • Investment Plans>
                • Smart Wealth Advantage Guarantee Elite Plan
                • 3 Reasons to Buy SWAG Elite Plan
                • What You Need to Know About SWAG Elite
                • SWAG Elite Benefits
                • 5 Step to Buy Customised Plan
                • Riders Available with SWAG Elite
                • FAQs

                Axis Max Life Smart Wealth Advantage Guarantee Elite Plan

                Given the fact that life is ever-changing, as you grow, your needs and aspirations also keep growing. Whether it is planning to achieve major milestones like buying your dream house, children’s education,
                or even peaceful retirement, you need a bharosa of guarantee in today’s uncertain environment. We understand the significance of such milestones in life and thus aim to help you secure them with certainty.

                Axis Max Life Smart Wealth Advantage Guarantee Elite Plan (Non-Linked Non-Participating Individual Life Insurance Savings Plan; UIN: 104N138V03) offers you an unmatched flexibility to grow your wealth and protect your loved ones simultaneously! It combines protection and guaranteed*# returns on your savings and offers a highly customisable solution to fulfil the certain as well as uncertain needs of your family, thus assuring a secured life.

                Note: Life insurance coverage is available in this product.
                ...Read More

                Term Insurance and Investment Plans

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                Tax Savings upto Rs 46,800##
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                99.65% Death Claim Paid Ratio^
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                15% Discount#1
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                Zero Commission#~
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                Tax Savings upto Rs 46,800##
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                99.65% Death Claim Paid Ratio^
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                15% Discount#1
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                Zero Commission#~
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                Tax Saving Investments

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                ₹ 3 L Premium Back^

                Disclaimer:

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

                3 Reasons to Buy Axis Max Life Smart Wealth Advantage Guarantee Elite Plan



                • Guaranteed*# benefits help you meet your planned milestones along with a whole life cover
                • Choose from 2 plan variants and multiple premium payment and survival benefit period options
                • Take your annual income payout*1 on any special date in a year with ‘Save the Date’ option

                What do You Need to Know about Axis Max Life Smart Wealth Advantage Guarantee Elite Plan?

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                Guaranteed Returns with Whole Life Cover

                Guaranteed# benefits help achieve key life milestones

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                Build Your Own Plan

                Choose a variant with PPT and survival benefit options

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                Loan Against Policy Benefit

                Avail loan against the policy in financial emergencies

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                'Save the Date’ Benefit

                Avail annual income at a special date in a year

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                All You Need to Know about Axis Max Life Smart Wealth Advantage Guarantee Elite Plan

                • SWAG Elite Benefits
                • How This Plan Works?
                • SWAG Elite Eligibility
                • Minimum/Maximum Premium
                • Downloads

                The following are a range of benefits are payable under Axis Max Life Smart Wealth Advantage Guarantee Elite Plan:

                • 1. Survival Benefit

                  Survival benefit is payable if the Life Insured is alive on the due date of benefit, provided the policy is in-force. Please refer the table below for details:

                  Variant Survival Benefit
                  1. Wealth For Milestones a. Lump Sum equal to Return of Premium (RoP), which is 100% of Total Premiums Paid, payable at the end of the survival benefit period, plus
                  b. Lump sum Guaranteed Milestone benefit, payable at the end of survival benefit period, plus
                  c. Lump sum Accrued guaranteed additions, payable at the end of survival benefit period

                  Both guaranteed milestone benefit and guaranteed addition shall be expressed as a percentage of total premiums paid. While both RoP and guaranteed milestone benefit shall fully accrue at the inception of the policy, guaranteed addition benefit shall be split in 4 equal parts, each part accruing at the start of the last four policy years of the survival benefit period, provided the policy is either premium paying or fully paid up.
                  Both milestone and guaranteed addition rates vary by age, premium band and PT/PPT combination.
                  2. Long Term Income a. Income benefit, payable each year during the income period, plus
                  b. Loyalty income boosters, payable each year during the income period, plus
                  c. Lump sum equal to Return of Premiums (RoP), which is 100% of Total Premiums Paid, payable at the end of survival benefit period

                  Where loyalty income booster amount is equal to 20% of income benefit amount.
                  While income benefit fully accrues at the inception of the policy, annual loyalty income booster shall accrue at the start of each year after the income deferment period ends and shall be payable every year during the income period.

                  Note: For more details, please refer to the prospectus available under the Downloads section of the page

                • 2. Death Benefit

                  The death benefit offered under this plan varies based on whether you have opted for Policy Continuance Benefit (PCB) at inception.

                  a. PCB is Not Opted for

                  If the Life Insured dies during the Policy Term, provided the Policy is in-force or fully paid-up, the Death Benefit payable shall be higher of:

                  1. Guaranteed*# Death Benefit
                  2. 100% of Surrender value applicable as on date of death

                  where, Guaranteed*# Death Benefit payable shall be higher of:

                  • Sum assured on death
                  • 105% of (Total premiums paid plus underwriting extra premiums plus loadings for modal premiums) as on the date of death of life insured

                  Any accrued survival benefit, if not already paid shall be paid in addition to death benefit. Please refer section ‘Option to accrue the applicable survival benefit’ for details.


                  b. PCB is Opted for
                  If the Life Insured dies during the Policy Term provided the Policy is in-force or fully paid-up, the Benefit Payable is:

                  1. Guaranteed*# Death Benefit

                • where, Guaranteed*# Death Benefit payable shall be higher of:

                  • Sum assured on death
                  • 105% of (Total premiums paid plus underwriting extra premiums plus loadings for modal premiums) as on the date of death of life insured

                  Any accrued survival benefit, if not already paid, shall be paid in addition to death benefit.

                  2. Policy Continuance Benefit

                  All future survival benefit shall be payable as and when due in future without any need for the premium payment.

                  For clarity, all future survival benefits shall be paid to the beneficiary as and when due during the survival benefit period, as would have been the case had the Life Insured been alive and would have been paying premiums.

                  Please note that PCB is only available during the survival benefit period as post survival benefit period, only guaranteed*# death benefit is available. Therefore, if PCB gets triggered during the survival benefit period, the policy shall terminate at the end of survival benefit period. In case of death of the life insured post survival benefit period, the guaranteed*# death benefit shall be paid and the policy will terminate.


                • 3. Reduced Paid up (RPU) Benefits

                  Once the policy acquires surrender value, the policy will become RPU by default, in case of non-payment of any further premium. The death benefit and other survival benefits payable for an RPU policy is as follows:

                  RPU Death benefit:

                  • RPU sum assured on death = (RPU Factor * Sum assured on death, applicable before policy moved to RPU)
                  • 105% of (Total Premiums Paid plus underwriting extra premiums plus loadings for modal premiums), as on the date of death of life insured
                  • 100% of Surrender value as on date of death
                  Any accrued survival benefit, if not already paid, shall be paid in addition.

                  RPU return of premium benefit: RPU factor * RoP benefit
                  RPU guaranteed*# milestone benefit: RPU factor * guaranteed*# milestone benefit
                  RPU guaranteed*# addition benefit : RPU factor *30%* accrued GA benefit
                  RPU income benefit: RPU factor * income benefit
                  RPU loyalty income benefit: RPU factor *30%* accrued loyalty income benefit

                  where RPU Factor shall be the ratio of the ‘total period for which premiums have already been paid’ to the ‘maximum period for which premiums were originally payable’.

                  Any accrued survival benefit, if not already paid, shall be paid in addition

                  Policy Continuance Benefit:

                  Policy Continuance Benefit shall be available in RPU mode such that in case of death of life insured, following shall be payable:
                  • Higher of (RPU Sum Assured on Death, 105% of Total Premiums Paid plus underwriting extra premiums plus loadings for modal premiums), as on the date of death of life insured
                  • Future survival benefit (as defined above for a policy in RPU mode).

                  Note: In case of survival of life insured, survival benefit, as defined above, shall be payable to all RPU policies.


                • 4. Surrender Benefit

                  You can surrender the policy any time after it has acquired a surrender value. On payment of the Surrender Benefit, the policy will terminate and no more benefits will be payable.

                  The Surrender Value will be equal to the higher of Guaranteed*# Surrender Value (GSV) or Special Surrender Value (SSV), In addition, on surrender, any accrued survival benefit shall also be payable, if not paid earlier.

                  Note: For additional details regarding, please refer to the Prospectus available under the Downloads section of the page.


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                5 Steps to Buy Your Customised Smart Wealth Advantage Guarantee Elite Plan

                The following are the steps that you need to follow to buy your customised Axis Max Life Smart Wealth Advantage Guarantee (SWAG) Elite Plan:

                1. Choose the variant as per your need from available options.

                Variant No.Variant NameVariant details
                1.Wealth For MilestonesReturn of Premium benefit + Guaranteed *# milestone benefit + accrued guaranteed *# addition payable at end of survival benefit period
                2.Long Term IncomeIncome payable during the income period in arrears.
                Where Income period starts from policy year “PPT + deferment period + 1”
                and additionally a return of premium payable at end of Income Period


                2. Choose your Premium amount, basis which your Survival Benefits and Sum Assured at Death will be calculated.

                3. Choose your Premium Payment Term from the available options.

                4. Choose to enhance your cover with Policy Continuance Benefit and/or any additional riders, as per your needs.

                5. Customise your Income3* stream basis deferment years, your choice of date when you’d like your pay-out in a year, frequency of pay-out and accrual options

                With this 5-step journey, you can be assured to secure your family with a Whole Life Cover and Savings benefits associated with your plan.

                Riders Available with Axis Max Life Smart Wealth Advantage Guarantee Elite Plan

                The following riders are available with Axis Max Life Smart Wealth Advantage Guarantee Elite Plan to enhance policy coverage:

                1. Axis Max Life Waiver of Premium Plus Rider (UIN: 104B029V05)

                Axis Max Life WOP rider provides waiver of all future premiums in case of Critical Illness or dismemberment or Death. In a case where policyholder and Life Insured are the same, cover against Critical Illness and dismemberment will be provided. In a case where policyholder and life insured are different individuals, cover against Critical Illness, dismemberment, and death will be provided to the policyholder.

                2. Axis Max Life Accidental Death and Dismemberment Rider (UIN: 104B027V05)

                Axis Max Life ADD rider provides additional benefits in case of death or dismemberment of the Life Insured due to an accident.

                3. Axis Max Life Term Plus Rider (UIN: 104B026V04)

                Axis Max Life Term Plus rider provides additional lump sum benefit in case of death of the Life Insured.

                4. Axis Max Life Critical Illness and Disability Rider (UIN: 104B033V02)

                Axis Max Life CIDR provides additional lump sum benefit in case of critical illness diagnosis.

                • The above riders and their subsequent versions may be attached with this product or any future versions of this product.
                • There is no overlap in benefit offered under different riders & base product, and benefits wherever applicable, shall be payable in addition to the base benefits.
                • A rider, if any, will not be offered if the term of the rider exceeds outstanding term under the base policy.

                Frequently Asked Questions (FAQs)

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                How many Variants does the Product Have?

                The product has two variants: Wealth for Milestones and Long Term Income. You may choose the one which best suits your needs.

                How tax is Applicable in Life Insurance Policies?

                For polices issued after 1st April 2023, gains (if any) in said Traditional Life Insurance Policies with Premium Above Rs. 5 Lakhs will be subject to Taxation even if your Sum Assured is 10 times of your Annualized Premium. This means that any gains made on your Survival Benefits, Maturity Benefit or Surrender Benefits will be taxed, expect for your Death Benefit which still remains tax free.

                What are the Major Components of the Survival Benefits of SWAG Elite?

                The Total Survival Benefit is the Sum of the following Components:

                • Return of Premium
                • Guaranteed*# Milestone Benefit (as a % of Total Premiums Paid)
                • Accrued Guaranteed*#Additions (as a % of Total Premiums Paid, Accrued at the start of the last 4 policy years of the Survival Benefit Period)

                What is the minimum and maximum amount a policyholder can accrue?

                The policyholder holder has full flexibility when it comes to the amount he/she wishes to accrue in the policy. This amount can be as little as 1% all the way to 100% of his applicable survival benefits.

                What is the Policy Term?

                The Policy Term is till the death of the life insured.

                ARN: PDP/SWAGE/291024

                Disclaimers:

                • 1*This option is available with Long Term Income Variant but not with Wealth for Milestones variant.
                • 2* This option is available with Long Term Income Variant
                • 3*The premium is exclusive of Goods and service tax and any other cess, underwriting extra premium (if any)

                Why Choose Axis Max Life?

                99.65% Death Claim Paid Ratio

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

                (Source : As reported to IRDAI, FY 23-24)
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                ₹1,779,409 Cr. Sum Assured

                In force (individual) (Source : Axis Max Life Public disclosure, FY 23-24)
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                ₹150,836 Cr. Assets Under Management

                (Source : Axis Max Life Public disclosure, FY 23-24)
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                BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS

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

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

                DISCLAIMERS

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

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

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

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

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

                Fax Number: 0124-4159397.

                Email ids: service.helpdesk@axismaxlife.com

                Website: www.axismaxlife.com

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

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

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

                Celeb disclaimer (if Rohit Sharma / Ritika Sajdeh image being used):

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

                Disclaimers for Market Linked Plans & Saving plans:

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

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

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

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

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

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

                Privacy Policy

                ^^On completion of policy term

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

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

                > Original policy document

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

                > Death claim application form (Form A)

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

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

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

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

                315% discount is applicable only on the first year premium for salaried employees with a corporate, purchasing Smart Term Plan Plus (UIN: 104N127V02). During policy issuance, Axis Max Life may call for proof of employment if required. In case proposer when asked is not able to prove the employment part, discount offer will be discontinued and additional premium as applicable will have to be paid for processing of the case. 15% discount (applied on standard male premium rates) is applicable for lifetime for females.

                4InstaClaim TM is available for all versions of (UIN: 104N125V07). Mandatory Documents:

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

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

                6Applicable for Titanium variant of Axis Max Life Smart Fixed-return Digital plan (Premium payment of 5 years and Policy term of 10 years) and a healthy male of 18 years paying Rs. 30,000/- per month (exclusive of all applicable taxes) with 7.45% return. Life Insurance is available with this product

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

                8Available with Axis Max Life Smart Fixed-return Digital Plan (UIN: 104N123V05). The guaranteed benefits are available with selected life insurance plans & are applicable if all due premiums are paid.

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

                ##Tax conditions :

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

                CI Rider disclaimers:

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

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

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

                22 critical illnesses covered in gold and gold plus variant

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

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

                ~1 Conditions for Special exit value:

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

                ~2 Voluntary Top-up Sum assured:

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

                ^^*^^Free look period conditions:

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

                ^Individual Death Claim Paid Ratio as per audited financials for FY 2023-2024

                #1A flat 15% discount on the premium will be applicable throughout the Premium Payment Term for Female Life Insured with Axis Max Life Smart Term Plan Plus (UIN: 104N127V02).

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

                Terms and conditions for availing 5% employee discount:

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

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

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

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

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

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

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

                *~Disclaimers

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

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

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

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

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

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

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

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

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

                ^1Disclaimer: Standard premium for 24-year old healthy male, non-smoker, 25 years policy term,25 year premium payment term (exclusive of GST) for Axis Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V07) with a life cover of Rs. 50 lakh.

                ^2Disclaimer: Standard premium for 24-year old healthy male, non-smoker, 25 years policy term,25 year premium payment term (exclusive of GST) for Axis Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V07) with a life cover of Rs. 75 lakh.

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

                ^4Disclaimer: Standard premium for 24-year old healthy male, non-smoker, 25 years policy term,25 year premium payment term (exclusive of GST) for Axis Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V07) with a life cover of Rs. 1.5 Cr.

                ^5Disclaimer: Standard premium for 24-year old healthy male, non-smoker, 25 years policy term, 25 year premium payment term (exclusive of GST) for Axis Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V07) with a life cover of Rs. 2 Cr.

                ^6Disclaimer: Standard premium for 24-year old healthy male, non-smoker, 25 years policy term, 25 year premium payment term (exclusive of GST) for Axis Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V07) with a life cover of Rs. 5 Cr.

                ^7Disclaimer: Standard premium for 24-year old healthy male, non-smoker, 25 years policy term, 25 year premium payment term (exclusive of GST) for Axis Max Life Smart Term Plan Plus (UIN: 104N127V02) - Regular Cover with a life cover of Rs. 1 Cr.

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

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

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

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

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

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

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

                @1Standard premium for 20-year old healthy male, non-smoker, 40 years policy term, 40 year premium payment term (exclusive of GST) for Axis Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V07). The above mentioned premium is the discounted monthly premium to be paid in 1st year. Discount is applicable only for salaried employees with a corporate, purchasing via web link. During policy issuance, Axis Max life may call for proof of employment if required. In case proposer when asked is not able to prove the employment part, discount offer will be discontinued and additional premium as applicable will have to be paid for processing of the case. | ~1 Get back all the premiums paid with Special Exit value. This can be exercised in any policy year starting 30th policy year, but not during the last 4 policy years. Available for minimum policy term of 40 years. Benefit available with special exit value - the total premiums paid plus underwriting extra premiums paid plus loadings for modal premiums exclusive of any applicable taxes, cesses or levies. This feature shall be applicable on the base cover premium only and not for additional optional benefits like Accident cover, Joint life cover, any attached riders and Voluntary Sum Assured Top-Up.

                @2Standard premium for 20-year old healthy male, non-smoker, 40 years policy term, 40 year premium payment term (exclusive of GST) for Axis Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V07). The above mentioned premium is the discounted monthly premium to be paid in 1st year. Discount is applicable only for salaried employees with a corporate, purchasing via web link. During policy issuance, Axis Max life may call for proof of employment if required. In case proposer when asked is not able to prove the employment part, discount offer will be discontinued and additional premium as applicable will have to be paid for processing of the case. | ~1 Get back all the premiums paid with Special Exit value. This can be exercised in any policy year starting 30th policy year, but not during the last 4 policy years. Available for minimum policy term of 40 years. Benefit available with special exit value - the total premiums paid plus underwriting extra premiums paid plus loadings for modal premiums exclusive of any applicable taxes, cesses or levies. This feature shall be applicable on the base cover premium only and not for additional optional benefits like Accident cover, Joint life cover, any attached riders and Voluntary Sum Assured Top-Up.

                #*Axis Max Life Insurance’s Sustainable Wealth 50 Index Fund (SFIN: ULIF03223/12/24SUSTWEALTH104), which is a passively managed Index Fund that mirrors Axis Max Life Sustainable Yield Index, subject to tracking error. The fund value calculation is done by projecting historical returns of Axis Max Life Sustainable Yield Index, after adjusting for all expenses (except tracking error) in Axis Max Life Flexi Wealth Advantage Plan (UIN: 104L121V03) for a 30-year-old male investing 5k/10k per month for 20/10 years. The above values have been calculated assuming 25.2% p.a. gross investment returns as in Nov'24, which is the 10-year return of Axis Max Life Sustainable Yield Index. (back tested).

                @3Standard premium for 20-year old healthy male, non-smoker, 25 years policy term, 25 year premium payment term (exclusive of GST) for Axis Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V07)| The above mentioned premium is the discounted monthly premium to be paid in 1st year. Discount is applicable only for salaried employees with a corporate, purchasing via web link. During policy issuance, Axis Max life may call for proof of employment if required. In case proposer when asked is not able to prove the employment part, discount offer will be discontinued and additional premium as applicable will have to be paid for processing of the case.

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

                @4Standard premium for 20-year old healthy male, non-smoker, 25 years policy term, 25 year premium payment term (exclusive of GST) for Axis Max Life Smart Term Plan Plus (UIN:104N127V02)| The above mentioned premium is the discounted monthly premium to be paid in 1st year. Discount is applicable only for salaried employees with a corporate.

                @5Disclaimer: Standard premium for 20-year old healthy female, non-smoker, 25 years policy term, 25 years premium payment term (exclusive of GST) for Rebalancing Cover Variant of Axis Max Life Smart Term Plan Plus (UIN:104N127V02) Sum Assured of 1 Cr | The above mentioned premium is the discounted monthly premium to be paid in 1st year. Discount is applicable only for salaried employees with a corporate. During policy issuance, Axis Max Life may call for proof of employment if required. In case proposer when asked is not able to prove the employment part, discount offer will be discontinued and additional premium as applicable will have to be paid for processing of the case.

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

                @7Disclaimer: Standard premium for 20-year old healthy male, non-smoker, 25 years policy term, 25 years premium payment term (exclusive of GST) for Rebalancing Cover Variant of Axis Max Life Smart Term Plan Plus (UIN:104N127V02)| The above mentioned premium is the discounted monthly premium to be paid in 1st year. Discount is applicable only for salaried employees with a corporate. During policy issuance, Axis Max Life may call for proof of employment if required. In case proposer when asked is not able to prove the employment part, discount offer will be discontinued and additional premium as applicable will have to be paid for processing of the case.

                @8Disclaimer: Standard premium for 20-year old healthy male, non-smoker, 25 years policy term, 25 year premium payment term (exclusive of GST) for Regular Cover Variant of Axis Max Life Smart Term Plan Plus (UIN: 104N127V02)| The above mentioned premium is the discounted monthly premium to be paid in 1st year. Discount is applicable only for salaried employees with a corporate, purchasing via web link. During policy issuance, Axis Max Life may call for proof of employment if required. In case proposer when asked is not able to prove the employment part, discount offer will be discontinued and additional premium as applicable will have to be paid for processing of the case.

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

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

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

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

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

                Disclaimer: #^Axis Max Life Smart Innovation Fund (SFIN: ULIF03301/03/25INNOVATION104), which is an actively managed fund does not have any past performance benchmarks. The above values have been calculated for a 35-year-old male investing 10k per month for 10 years assuming 20.8% p.a. gross investment returns basis 5 years’ performance of existing active fund with Axis Max Life Insurance, as on date 31st Jan'25 after adjusting for all expenses in Axis Max Life’s Capital Guarantee Plan which is combination of Axis Max Life Online Savings Plan (UIN: 104L098V06) and Axis Max Life Smart Wealth Advantage Guarantee Plan (UIN: 104N116V13). | Investors in this plan are not offered guaranteed/ assured returns. | The Unit Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender/withdraw the monies invested in Unit Linked Insurance Products completely or partially till the end of the fifth year. The premium shall be adjusted on the due date even if it has been received in advance. Applicable taxes, cesses and levies as imposed by the government from time to time will be deducted from the premiums received or from the funds, as applicable.

                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).

                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