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                • Income Tax Rules Changes
                • Home>
                • Investment Plans>
                • ULIP Plans>
                • Wealth Investment Plan
                • 5 Reasons to Buy this Online Savings Plan
                • What do You Get with this Online Savings Plan?
                • All You Need to Know about this Online Savings Plan
                • Additional Benefits Through Riders
                • Fund Options and Their Performances
                • Frequently Asked Questions

                Online Savings Plan for Wealth creation

                All of us dream of a better future. A future that brings smiles to the faces of our loved ones. Fortunately, such smiles can become a reality with a little financial planning and disciplined investments.
                Here is a plan that helps you invest systematically, thereby creating wealth to fulfill your dreams.

                Axis Max Life Online Savings Plan (UIN: 104L098V06) provides the dual benefit of a lump sum payout for your goal along with protection from life's uncertainties. It also gives the flexibility to choose from a wide range of funds to suit your investment style and choice of policy term. What's more! With this plan, you can save taxes on your investments too.
                ...Read More

                Axis Max Life Online Savings Plan

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                Get Whole Life Cover
                image guard_icon_8e4d2783d2_b7a4161401
                17 Fund Options
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                Unlimited Free Switches
                image zero_commission_5b92cff907_d137fd2cb9
                Premium Redirection
                banner3_desktop_rohitt_ritika.webp
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                Get Whole Life Cover
                19.09%
                image guard_icon_8e4d2783d2_b7a4161401
                17 Fund Options
                28.7%
                image discount_647a696102_e61e4f0b12
                Unlimited Free Switches
                image zero_commission_5b92cff907_d137fd2cb9
                Premium Redirection
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                Whole Life Monthly Income&#

                Tax Free Income with ULIP
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                Section 80C & 10(10D)*4

                Secure Child's Dream
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                ULIP For Child Education

                Market-Linked Insurance Plan
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                Midcap Index Fund*+

                ULIP Plans
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                1 Cr. at Maturity with 10K/month SIP

                Capital Guarantee*# Plans
                image term_life_ins_icon_e2a3b39ef0

                100% Investment Protection

                *T&C Apply. &#The monthly income functionality can be availed using the Smart Withdrawal functionality available in the Whole Life option in Axis Max Life Flexi Wealth Advantage Plan. The above monthly income values have been calculated at 8% smart withdrawal percentage. If at any instance during income period, the fund value becomes less than the minimum death benefit, which is defined as higher of sum assured and 105% of total premiums paid, the Smart Withdrawal will cease. It can be re-instated post submission of a request to the company. **#The fund value calculation is done by projecting historical returns of the fund chosen, after adjusting for all expenses (except tracking error) in Axis Max Life Flexi Wealth Advantage Plan (UIN: 104L121V03).

                ₹10K/month invested since 2004 would have been ₹5.3 Cr*+.

                With Axis Max Life ULIP Plans

                Generate wealth with high returns + Inbuilt life cover to protect your family

                • Benefit image 1: General benefits
                  Options to invest in Index Funds (Mid Cap, Small Cap or a well-diversified index fund like Nifty Alpha 50)
                • Benefit image 2: General benefits
                  Choose Lumpsum Payout or whole life income, Benefits of market upside with 100% of your money safe, Funding of premiums, monthly income for family, Fund value on maturity
                image banner1_desktop_rohit_68c900b630_df1b3aa0f9

                Maximise Your Savings With Axis Max Life Investment Plans

                Select Country

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                Select options

                Disclaimer *+Based on 10 year return of Nifty Midcap Momentum Index as on 27/05/2024. 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 Midcap Momentum Index Fund is passively managed Index Fund that mirrors Nifty Midcap Momentum 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. Available with Axis Max Life Online Saving Plan (Unit Linked Non Participating Individual Life Insurance Plan | Life Insurance is available in this product). In Unit Linked Insurance Plans, investment risk is borne by the policyholder.

                Profile picture of the Kriti Arora

                Written by

                Kriti Arora
                Profile picture of the Kriti Arora

                Kriti Arora

                Insurance Writer

                Kriti is a content marketing and branding expert with more than 13 years of rich experience across BFSI and Telecom industries. She is currently leading Digital Creative Strategy for Axis Max Life insurance.

                :

                Reviewed by

                Bhaskar Sinha
                Profile picture of the Bhaskar Sinha

                Bhaskar Sinha

                Insurance Expert

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

                5 Reasons to Buy this Online Savings Plan

                • Inbuilt Life Cover with Flexibility to Increase the Cover
                • Zero policy admin charge and Zero premium allocation charge
                • Flexibility to switch your money as many times you want
                • Flexibility to choose Policy Term from 5 years to 30 years
                • Flexibility to choose Investment Funds basis Risk Profile

                What do You Get with this Online Savings Plan?

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                Freedom from Investment Charges

                Freedom from charges. No Allocation charge and not even a single rupee of administration charge
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                Complete Flexibility

                Choice of 17 different funds to invest. Alternatively, invest through the Dynamic investment strategy, where the company maintains a balance between equity and debt to suit your risk appetite
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                Move from One fund to Another as Many Times as You Wish to

                Transfer your money from equity to debt of vice-versa depending on market movements. You can switch as many number of times as you wish
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                Protection and Returns under One Umbrella

                The plan offers the best of both worlds - protection and returns. You get life insurance cover and superior returns on your money through systematic investments in equity and debt funds.
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                Choose to Pay Premiums for as long as You Wish to

                You have the option to choose the policy duration and the number of years you wish to pay the premiums. The premium payment term and the policy term range from 5 to 30 years.
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                Power to Save Tax too

                You may be entitled to certain tax deductions on your premiums and proceeds under the policy benefits. Please note that all such tax deductions are subject to tax laws prevailing at the time of payment of premium or receipt of benefits.

                All You Need to Know about this Online Savings Plan

                • Plan Benefits
                • How this plan works?
                • Check your eligibility
                • Premium Paying option
                • Downloads


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                Maturity Benefit

                On maturity, you will be eligible to receive an amount, provided the settlement option has not been exercised, equal to the Fund Value, where the Fund Value will be calculated as:



                Fund Value = Summation of the Number of Units in Fund(s) multiplied by the respective NAV of the Fund(s) as on the date of maturity.



                Please Note: In case the Maturity Date is a non-working day for the Company or markets then the next working day’s NAV will be applicable.



                For Example, Maturity Benefit at sample ages:



                Variant 1
                Age of Life InsuredAnnualised PremiumPremium Payment TermPolicy Term4%* assumed rate of return8%* assumed rate of return
                Fund Value at MaturityIRRFund Value at MaturityIRR
                2550,000202013,28,1362.63%20,86,3626.58%
                3536,0005102,18,3372.44%2,97,4406.43%
                4054,00015159,98,4162.57%13,93,4786.52%
                4560,000553,17,3851.88%3,57,0375.86%


                Premium Payment Mode: Annual; Standard life; Fund chosen: Balanced Fund; Cover multiple: 10 times of Annualised Premium



                *Please note that the above-assumed rates of return @ 4% and 8% p.a. are only scenarios at these rates after recovering all applicable charges. Neither are they guaranteed nor are the upper or lower limits of returns on the Funds selected in your policy. The performance of the Funds is dependent on a number of factors, including future investment performance. For more information, please request your policy-specific benefit illustration.

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                Death Benefit

                On the death of the Life Insured during the term of the policy, the nominee shall get the highest of the following benefits:



                • Sum Assured equal to higher of Cover multiple times the Annualised Premium or 0.5 times the product of Policy Term and Annualised Premium (reduced by applicable partial withdrawals, if any), or
                • 105% of Total Premiums received up to the date of death, or.
                • Total Fund Value (as on the date of death)

                The policy terminates on the death of Life Insured.



                Please note that the ‘applicable partial withdrawals’ mentioned above refer to all the partial withdrawals made during the two years period immediately preceding the death of the Life Insured.

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                Tax Benefits

                You may be entitled to certain tax deductions on your premiums and on proceeds under the policy benefits. Please note that all such tax deductions are subject to tax laws prevailing at the time of payment of premium or receipt of benefits.





                Fund Options and Their Performances

                • High Growth Fund

                  (SFIN: ULIF01311/02/08LIFEHIGHGR104)

                  Investment Group: Equity

                  ULIP graph image

                  Risk Profile | Very High

                  Fund 5 year Returns

                  32.15%

                  Benchmark 5 year Returns

                  31.99%

                  *(Nifty MidCap Free Float 100%)
                  ULIP Mountain Image

                  Nature of Fund

                  An open-ended equity multi-cap fund focussing on midcaps.

                  Investment Strategy

                  This multi-cap fund focuses on mid-cap equities; meaning it invests in companies with long-term high growth potential in terms of capital value assets. At least 70% of the Fund corpus is invested in equities, with the rest invested in government securities, corporate bonds and money market instruments. Hence, the risk involved is relatively higher.

                • Secure Plus Fund

                  (SFIN: ULIF01628/04/09LIFESECPLS104

                  Investment Group: Debt

                  ULIP graph image

                  Risk Profile | Low

                  Fund 5 year Returns

                  6.83%

                  Benchmark 5 year Returns

                  6.78%

                  *(CRISIL Bond Index 100%)
                  ULIP Mountain Image

                  Nature of Fund

                  An open-ended debt fund allowing investments for preferred duration, with the preference for government securities.

                  Investment Strategy

                  Through Systematic Transfer Plan (STP), Lifecycle Based Portfolio and Trigger Based Portfolio strategies, this Fund is designed to help investors protect their investment with a higher proportion of sovereign papers by the Government of India’s implicit guarantee for repayment of principal and interest. This Fund invests in debt instruments such as Government Securities, Corporate Bonds, Money Market Instruments etc. authorised by IRDAI for investment. The Government of India/ State Governments, Corporate and banks primarily issue it. No investment is made in equities.

                • Growth Super Fund

                  (SFIN: ULIF01108/02/07LIFEGRWSUP104)

                  Investment Group: Equity

                  ULIP graph image

                  Risk Profile | Very High

                  Fund 5 year Returns

                  19.94%

                  Benchmark 5 year Returns

                  19.79%

                  (NSE Nifty 100%)
                  ULIP Mountain Image

                  Nature of Fund

                  An open-ended equity fund focussing on large caps.

                  Investment Strategy

                  It is primarily an equity-oriented fund. At least 70% of the fund corpus is always invested in equities. The rest is invested in debt instruments in government, corporate and money market papers.

                • Growth Fund

                  (SFIN: ULIF00125/06/04LIFEGROWTH104)

                  Investment Group: Equity

                  ULIP graph image

                  Risk Profile | High

                  Fund 5 year Returns

                  13.59%

                  Benchmark 5 year Returns

                  13.42%

                  *(Crisil Bond Index 50% and NSE Nifty 50%)
                  ULIP Mountain Image

                  Nature of Fund

                  An open-ended hybrid fund with the equity portion focused on large caps.

                  Investment Strategy

                  This fund offers investments across multiple asset classes including Equities, Government Securities, Corporate Bonds and Money Market Instruments. The portfolio will contain a minimum of 20% with an upper limit of 70% invested in stocks. Remaining assets are allocated to debt instruments from Government, corporate and financial instruments.

                • Balanced Fund

                  (SFIN: ULIF00225/06/04LIFEBALANC104)

                  Investment Group: Balanced

                  ULIP graph image

                  Risk Profile | Medium

                  Fund 5 year Returns

                  10.76%

                  Benchmark 5 year Returns

                  10.79%

                  *(Crisil Bond Index 70% and NSE Nifty 30%)
                  ULIP Mountain Image

                  Nature of Fund

                  An open-ended hybrid fund investing in a mixture of debt instruments and equities.

                  Investment Strategy

                  This fund invests primarily in debt instruments, including Government Securities, Corporate Bonds, Money Market Instruments etc. Government of India/ State Governments and to some extent in Corporate Bonds and Money Market Instruments issue it. Up to 40% of its corpus can also be placed into equities, with a minimum requirement of 10% and up to a maximum of 40%.

                • Conservative Fund

                  (SFIN: ULIF00325/06/04LIFECONSER104)

                  Investment Group: Debt

                  ULIP graph image

                  Risk Profile | Medium

                  Fund 5 year Returns

                  8.19%

                  Benchmark 5 year Returns

                  8.12%

                  (Crisil Bond Index 90% and NSE Nifty 10%)
                  ULIP Mountain Image

                  Nature of Fund

                  An open-ended hybrid fund investing predominantly in debt instruments.

                  Investment Strategy

                  Conservative Fund invests primarily in debt instruments including Government Securities, Corporate Bonds, Money Market Instruments etc. The Government of India/ State Governments and to some extent in Corporate Bonds and Money Market Instruments issue it. The Fund corpus invested is up to 15% in equities.

                • Secured Fund

                  (SFIN: ULIF00425/06/04LIFESECURE104)

                  Investment Group: Debt

                  ULIP graph image

                  Risk Profile | Low

                  Fund 5 year Returns

                  6.91%

                  Benchmark 5 year Returns

                  6.78%

                  *(CRISIL Bond Index 100%)
                  ULIP Mountain Image

                  Nature of Fund

                  An open-ended debt fund that invests across duration.

                  Investment Strategy

                  This fund invests in debt instruments including Government Securities, Corporate Bonds, Money Market Instruments etc. authorised by IRDAI. The Government of India/ State Governments, Corporate and banks issues it. No investment is made in equities.

                • Diversified Equity Fund

                  (SFIN: ULIF02201/01/20LIFEDIVEQF104)

                  Investment Group: Equity

                  ULIP graph image

                  Risk Profile | Very High

                  New Fund

                  ULIP Mountain Image

                  Nature of Fund

                  An open-ended equity multi-cap fund focussing on large and mid-caps.

                  Investment Strategy

                  The purpose of this fund is to invest at least 70% in equities across the entire market capitalisation range, primarily targeting large and mid-cap stocks from various companies to provide investors with long-term growth opportunities while preserving investment liquidity.

                • Money Market Fund II

                  (SFIN:ULIF02301/01/20LIFEMONMK2104)

                  Investment Group: Debt

                  ULIP graph image

                  Risk Profile | Low

                  New Fund

                  ULIP Mountain Image

                  Nature of Fund

                  An open-ended liquid fund that invests only in money market instruments.

                  Investment Strategy

                  The purpose of the fund is to deliver returns linked to Money Market levels through a portfolio with minimal interest rate and credit risk to provide a high level of safety of capital.

                • Dynamic Bond Fund

                  (SFIN: ULIF02401/01/20LIFEDYNBOF104)

                  Investment Group: Equity

                  ULIP graph image

                  Risk Profile | Low

                  New Fund

                  ULIP Mountain Image

                  Nature of Fund

                  An open-ended debt fund that invests for a duration with focus on corporate bonds.

                  Investment Strategy

                  The fund generates higher returns by investing in high-quality and safe debt instruments including Government securities, corporate bonds and money market instruments. The aim is to maximise returns by focusing on the portfolio’s safety and liquidity.

                • Sustainable Equity Fund

                  (SFIN: ULIF02505/10/21SUSTAINEQU104)

                  Investment Group: Equity

                  ULIP graph image

                  Risk Profile | Very High

                  New Fund

                  ULIP Mountain Image

                  Nature of Fund

                  An open-ended equity fund investing in companies complying with ESG principles.

                  Investment Strategy

                  The fund aims to focus on investing in select companies that operate with social and environmental responsibility while following governance standards.

                • Pure Growth Fund

                  (SFIN: ULIF02630/12/22PUREGROWTH104)

                  Investment Group: Equity

                  ULIP graph image

                  Risk Profile | Very High

                  New Fund

                  ULIP Mountain Image

                  Nature of Fund

                  Investments in this fund will specifically exclude companies dealing in Banking, Alcohol, Tobacco products, etc.

                  Investment Strategy

                  The fund provides medium- to long-term returns to the investors by actively managing portfolio through investment in equities, cash, and money market instruments. The fund will not invest in companies that derive significant share of income from sectors such as Alcoholic beverages, Tobacco and tobacco products, certain animal produce, Gambling, Banking & Financial Services, and Entertainment (cinema, TV, etc.).

                • Nifty Smallcap Quality Index Fund

                  (SFIN: ULIF02702/08/23NIFTYSMALL104)

                  Investment Group: Equity

                  ULIP graph image

                  Risk Profile | Very High

                  New Fund

                  ULIP Mountain Image

                  Nature of Fund

                  To invest in a basket of stocks drawn from the constituents of the NSE Smallcap 250 Quality 50 index.

                  Investment Objective

                  To invest in a basket of stocks drawn from the constituents of the NSE Smallcap 250 Quality 50 index. The objective of the fund is to invest in companies in the above index with similar weights as the index and generate returns as closely as possible, subject to tracking error.

                • Nifty Alpha 50 Fund

                  (SFIN: ULIF02914/05/24ALPHAFIFTY104)

                  Investment Group: Equity

                  ULIP graph image

                  Risk Profile | Very High

                  New Fund

                  ULIP Mountain Image

                  Nature of Fund

                  The objective of the fund is to invest in a basket of stocks drawn from the constituents of NSE’s Nifty Alpha 50 index.

                  Investment Objective

                  The fund to invest in a basket of stocks drawn from the constituents of NSE’s Nifty Alpha 50 Index that invests in 50 stocks across small cap, mid cap and large cap segment with highest alphas within the top 300 stocks by average freefloat market capitalisation. 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.

                • Nifty 500 Momentum 50 Fund

                  (SFIN: ULIF03015/08/24MOMENFIFTY104)

                  Investment Group: Equity

                  ULIP graph image

                  Risk Profile: Very High

                  New Fund

                  ULIP Mountain Image

                  Nature of Fund

                  To invest in a basket of stocks drawn from the constituents of NSE’s NIFTY 500 Momentum 50 Index.

                  Investment Strategy

                  The objective of fund is to invest in a basket of stocks drawn from the constituents of NSE’s NIFTY 500 Momentum 50 Index that invests in 50 stocks across small cap, mid cap and large cap segment, with highest normalized momentum scores within the top 500 stocks by average free-float market capitalization. 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.

                • Nifty Momentum Quality 50 Fund

                  (SFIN: ULIF03127/10/24MOMQUALITY104)

                  Investment Group: Equity

                  ULIP graph image

                  Risk Profile: Very High

                  New Fund

                  ULIP Mountain Image

                  Nature of Fund

                  The objective of this fund is to invest in companies with similar weights as in the NSE’s Nifty 500 Multicap Momentum Quality 50 Index and generate returns as closely to the index as possible, subject to tracking error.

                  Investment Strategy

                  The objective of this fund is to invest in companies with similar weights as in the NSE’s Nifty 500 Multicap Momentum Quality 50 Index and generate returns as closely to the index as possible, subject to tracking error. Nifty 500 Multicap Momentum Quality 50 Index invests in 50 stocks, i.e. 10 companies from large cap universe (stocks forming part of the Nifty 100), 15 companies from midcap universe (stocks forming part of the Nifty Midcap 150) and 25 companies from the small-cap universe (stocks forming part of the Nifty Smallcap 250) based on the combination of momentum and quality factor scores.

                • Sustainable Wealth 50 Index Fund

                  (SFIN: ULIF03223/12/24SUSTWEALTH104)

                  Investment Group: Equity

                  ULIP graph image

                  Risk Profile: Very High

                  New Fund

                  ULIP Mountain Image

                  Nature of Fund

                  An open-ended quantitative passive index fund investing in 50 companies based on FCF Yield and Dividend Yield.

                  Investment Strategy

                  The objective of the fund is to invest in a basket of 50 stocks based on a proprietary equal weighted factor-based quantitative index designed to identify top-performing stocks from the NSE 500 universe based on Free Cash Flow Yield (FCF Yield) for non-financial companies and Dividend Yield for financial companies.

                • Smart Innovation Fund

                  (SFIN: ULIF03301/03/25INNOVATION104)

                  Investment Group: Equity

                  ULIP graph image

                  Risk Profile: Very High

                  New Fund

                  ULIP Mountain Image

                  Nature of Fund

                  An equity-oriented scheme investing in innovative companies and business with the objective to generate long term capital appreciation.

                  Investment Strategy

                  Smart Innovation Fund is a fund with a focus on investing in innovative companies and business benefitting from the evolving innovation eco-system with the objective to generate long term capital appreciation. At least 70% of the Fund corpus is invested in a basket of equity stocks over the entire market capitalization range at all times. However, the remaining is invested in government securities, corporate bonds and money market instruments; hence the risk involved is relatively high.

                Note: Returns are 5-year compounded annualised growth rate (CAGR). Past performance is not indicative of future performance. Star rating is Overall Rating. Rating and returns are as on 30th April 2025.

                "The Above mentioned Fund returns are after deduction of Fund Management Charges (FMC)."

                In the unit linked insurance policies, investment risk in the investment portfolio is borne by the policy holder. Past performance is not necessarily indicative of future performance. The 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. Returns are 5 year compounded annualised growth rate (CAGR). Rating and returns are as on 30th April 2025.

                © 2020 Morningstar. All Rights Reserved. The information, data, analyses and opinions (“Information”) contained herein: (1) include the proprietary information of Morningstar and its content providers; (2) may not be copied or redistributed except as specifically authorised; (3) do not constitute investment advice; (4) are provided solely for informational purposes; (5) are not warranted to be complete, accurate or timely; and (6) may be drawn from fund data published on various dates. Morningstar is not responsible for any trading decisions, damages or other losses related to the Information or its use. Please verify all of the Information before using it and don’t make any investment decision except upon the advice of a professional financial adviser. Past performance is no guarantee of future results. The value and income derived from investments may go down as well as up.

                The ‘Morningstar Overall Rating’ is a quantitative assessment of a fund’s past performance-both return and risk-as measured from one to five stars, with one (1) being the lowest and five (5) being the best as on 30th April 2025.



                The details of the available investment strategy are as follows:



                Dynamic Fund Allocation

                You can opt for the Dynamic Fund Allocation option only at the inception of the policy. Under this option, assets under management shall be maintained amongst Growth Super Fund and Secure Fund in a pre-defined proportion that changes depending upon the years left to maturity as per the matrix below. Switching of existing Fund Value shall happen on the policy anniversary and Allocation of the premium received amongst the Funds shall happen on the date of receipt of such premium or premium due date, whichever is later, in the proportion mentioned in the table below. You do not have the option to redirect premiums or effect unit switches during the period this option is in force. You may opt out of the 'Dynamic Fund Allocation' option anytime during the Policy Term, which will then be effective from the next policy anniversary. Once opted out, 'Dynamic Fund Allocation' cannot be opted again. Also, after opting out, you can exercise free Switches or Premium Redirection options.

                Number of Years to MaturityAssets under management to be maintained under the Growth Super FundAssets under management to be maintained under the Secure Fund
                16 – 3080%20%
                11-1560%40%
                6-1040%60%
                0-520%80%


                Discontinuance Policy Fund (SFIN: ULIF002021/06/13LIFEDISCON104)

                The Discontinuance Policy Fund is available only in the case of policy surrender or discontinuance within the first five policy years.

                Fund NameGovernment Securities Corporate Bonds Money Market & Cash Instruments Equity & Equity related securities Risk Rating
                Discontinuance Policy Fund60-100%Nil0-40%NilLow


                The minimum guaranteed return on this Fund is 4.0% per annum (or as mandated by IRDAI from time to time).

                The excess income earned in the Discontinuance Policy Fund over and above the minimum guaranteed interest rate shall also be apportioned to the Discontinuance Policy Fund in arriving at the proceeds of the discontinued policies and shall not be made available to the Company.

                Additional Benefits Through Riders

                Axis Max Life Smart Ultra Protect Rider: (UIN: 104A049V02)

                Axis Max Life Smart Ultra Protect Rider is a Unit-Linked Individual Health Insurance Rider. This rider offers coverage against a range of risks. You may opt for coverage against one or more risks as per your needs. Risks covered under the rider are Term Booster with Accelerated Terminal Illness, Accidental Death Benefit, Accidental Total & Permanent Disability, and Payor Benefit. Return of premium option is available under all *Rider Benefit Variants except for payor benefit. The policyholder has the flexibility to choose from multiple possible combinations of *Rider Benefit Variant. For further details, please refer to Axis Max Life Smart Ultra Protect Rider Prospectus and Policy Document.



                *Rider Benefit Variant Term Booster with Accelerated Terminal Illness, Accidental Death Benefit, Accidental Total Permanent Disability will be applicable on Life insured and Payor benefit will be applicable on policyholder.


                image download

                Downloads


                • Rider Prospectus
                • Rider Contract
                • Rider Leaflet
                • Rider Premium Rates
                • Customer Information Sheet

                Axis Max Life Critical Illness and Disability- Secure Rider (UIN: 104A034V02)

                Axis Max Life brings a comprehensive insurance plan that covers up to 64 critical illnesses along with total and permanent disability coverage. You can choose the best variant for you from the five available variants. You will be also be eligible for a discounted renewal premium based on the number of steps monitored on Max fit app. You can even choose to get a cover up to age 85 years.

                (For further details, please refer to Axis Max Life Critical Illness and Disability - Secure Rider, UIN – 104A034V02, Prospectus)

                image download

                Downloads

                • Rider Prospectus
                • Rider Contract
                • Rider Leaflet
                • Customer Information Sheet

                Why Choose Axis Max Life?

                image percentage_icon_a2ec4ab62e

                99.65% Death Claims Paid Ratio

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

                image homedot-icon

                304 Branches

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

                image award_icon_ec544d0e80

                ₹1,779,409 Cr. Sum Assured

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

                image aim_icon_0360c7590c

                ₹150,836 Cr. Assets Under Management

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

                More reasons why our customers choose us

                Frequently Asked Questions

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                1. What is a Unit Linked Insurance Plan (ULIP)?

                A Unit Linked Insurance Plan (ULIP) is a type of insurance plan that combines investment and protection.

                One portion of your premium is invested in stocks, bonds and other financial instruments so that your money grows based on the market’s performance. The remaining amount is invested in life insurance that will provide financial protection to your family.

                A unit-linked pension plan (or a market-linked pension plan) works in two phases :
                a. Accumulation Phase - This period includes the time when you pay premiums to accumulate money. The regular contribution (premium) you make is invested by your insurance company on your behalf.

                b. Reaping Phase - One-third of the corpus is paid to the policyholder while the remaining is invested in an annuity scheme.

                At the end of the second phase, the investments, along with the benefits from the scheme are paid to you at regular intervals.

                2. Where should i invest - ULIPs or Mutual Funds?



                Unit Linked Insurance Plans are a type of life insurance plans that offer the dual benefit of investment and insurance. Mutual Funds is an investment product where several investors pools money and invests in stocks, bonds, money market instruments and other types of securities.

                What should you invest in - ULIP or Mutual Fund ? The answer is it depends on your financial goals and risk appetite. Both the instruments have unique benefits that suit different needs and hence it purely depends on which benefits help you attain your financial goals. Also, you need to keep in mind things like your risk appetite (low or medium or high), the time of investment (long-term or short-term), number of dependents and the need for coverage in case of an unfortunate event that will help you take the right decision for yourself.

                3. Do I get tax benefits by investing in a ULIP?



                Unit Linked Insurance Plans provide tax benefits under section 80C of income tax. The benefit is up to Rs 1.5 lakh.

                A ULIP product comes with a lock-in period of five years. This product also comes under the exempt-exempt-exempt (EEE) category for the income tax.

                You can get the tax benefit while investing which means the earnings from the fund are not taxable and the maturity is also not taxable under section 10D of income tax.

                4. Do i get guaranteed returns in ULIPs?

                Investment returns from ULIP may not be guaranteed.

                In unit linked policies, the investment risk in the portfolio is chosen by the policyholder and hence borne by them as well. Depending upon the performance of the unit linked fund/s chosen (be it equity or debt or balanced); the policy holder may achieve gains or losses on his/her investments. Also, the past returns of a fund are not necessarily indicative of the future performance of the fund.

                5. What are the different types of charges in a ULIP Plan?

                ULIPs from different insurance companies have varied charge structures When making a decision on buying a ULIP scheme, you must be aware of the charges applicable.

                Fund management charges - It is levied for managing the fund as a percentage of the value of the assets.

                Discontinuation charges - It is to be paid at the time of discontinuation with the ULIP before lock-in period.

                Mortality charges - This is charged basis Sum at Risk on every monthly anniversary by cancelling of units>

                Surrender charges - It is levied in case of partial or premature withdrawal of units.

                Premium allocation charges - It is a charge that is incurred towards issuing of a policy.

                Policy administrative charges - It is a charge incurred for maintaining the ULIP policies.

                Fund switching charges - A fee that is applicable for switching your fund type.>

                Other charges - The insurance provider deducts certain charges such as administration charges, fund management charges, mortality charges, etc. in the form of units. The premium amount is used to buy units, and the investment amount is quantified in the form of units bought.

                ARN: PDP/WIP/050325

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                THE 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 are different from the traditional insurance products and are subject to the risk factors. The Premium paid in Unit Linked Insurance policies are 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 policyholder/insured is responsible for his/her decisions. Axis Max Life Insurance Limited is only the name of the Insurance Company and Axis Max Life Online Savings Plan is only the name of the Non Participating 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 and returns. Past performance of the funds does not indicate the future performance of the funds.

                All Applicable Taxes, Cesses, and Levies as imposed by the Government will be deducted from the premiums received.

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                BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS

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                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: 104N125V08). 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: 104N125V08) 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: 104N125V08) 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: 104N125V08) 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: 104N125V08) 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: 104N125V08) 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: 104N125V08) 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: 104N125V08)

                ^~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: 104N125V08). 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: 104N125V08). 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: 104N125V08)| 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: 104N125V08). **The above mentioned is the discounted monthly premium to be paid in 1st year. Discount is applicable only for salaried employee with a corporate, purchased via web link | ~1Get back 4.67 Lakhs premiums paid under Special Exit value at 36th Policy Year. This can be exercised in any policy year starting 30th policy year, but not during the last 4 policy years. Available for minimum policy term of 40 years. Benefit available with special exit value - the total premiums paid plus underwriting extra premiums paid plus loadings for modal premiums exclusive of any applicable taxes, cesses or levies. This feature shall be applicable on the base cover premium only and not for additional optional benefits like Accelerated Critical Illness, Accident cover, Joint life cover, any attached riders and Voluntary Sum Assured Top-Up| ~Singapore, Hong Kong, New Zealand, Australia, Canada, UAE, Oman, Qatar, Saudi Arabia, Kuwait, Sri Lanka, Maldives, Fil, Brunei, Taiwan, Mauritius, South Korea, Bahrain, China, France, Germany, Switzerland, Austria, Hungary, USA, UK, Japan, Belgium, Denmark, Spain, Greece, Ireland, Luxemburg, Italy, Netherlands, Finland, Sweden, Norway.

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

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

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

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

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

                Disclaimer: *6Check the Total Premium amount against the respective monthly premium values in the below table.

                For Sum assured of 75 lakh, 1 crore, 1.5 crore and 2 crore, the below calculations are based on Axis Max Life Smart Total Elite Protection Term Plan (A Non Linked Non Participating Individual Pure Risk Life Insurance Plan, UIN:104N125V08). 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