What is a Term Insurance Premium Calculator?
How Does a Term Insurance Calculator Work?
The estimation of mortality charges is done as per the Standard Annual Mortality Charges 1 table, which, in turn, is based on the historical data of life expectancy in India. On the other hand, the mortality rate is defined as an insurer's anticipation of the number of deaths occurring amongst a group of insured individuals, for a certain age.
Typically, mortality rates are low for young, healthier individuals who do not work in a high-risk job profile. Therefore, the Axis Max Life term insurance premium rates vary with age and young healthy individuals pay a lower premium. Gender too impacts term life insurance premiums whether you choose 2 crore term insurance plan or 1 crore option.
Since women typically live longer than men they tend to have a lower insurance premium compared to males. These and other factors like lifestyle choices such as tobacco use are taken into account by the term insurance calculator in order to generate a premium estimate.
One should keep in mind that user inputs are used to provide the premium estimates so being upfront about factors such as tobacco use and pre-existing health conditions are key to getting better premium estimates by using a term life insurance calculator. Additionally, you may come across few insurers in India offering term plan without income proof option as well depending t&c.
The term insurance calculator will help you get an estimation of the policy premium that you will have to pay for your desired coverage.
It considers several aspects, including age, income, occupation, policy term, and lifestyle habits. Let's understand how term insurance works with an example.
Amit, a 25-year-old man who earns 10 lakh per annum, wants to secure his family's future financially with a term insurance plan till he turns 60 years of age. He wants to buy a 1 crore plan, but he is confused about how much premium he would require to pay.
So, he uses the term insurance calculator and enters his age, income, cover till age, and other required details to check the final premium. The term insurance calculator provided Amit with an estimate of the premium in a few seconds, enabling him to make an informed choice.
Benefits of Using a Term Insurance Premium Calculator
Choosing the Right Life Cover Amount
Ensuring Cost Efficiency
Choose Rider Options
In simple terms, by using the Axis Max Life term plan calculator you can easily decide for an Axis Max term plan so that you can avail the most comprehensive insurance coverage and plan benefits for the lowest possible premium amount.
How is Your Term Insurance Premium Calculated?
While there are a number of factors that can impact your life insurance premium calculation. Some key factors that typically have the greatest impact include the following:Age of applicant
Gender
Cover Amount
Policy Term
Riders & Add-ons
Pre-existing Conditions
Tobacco Usage
Occupation
How To Reduce Your Term Insurance Premiums?
Here are some ways to reduce your term insurance premiums cost-effectively:
1- Start when you are young:
Buying a term plan at an early age is the key to low premiums. The premium amount will be based on factors like age and health condition. The older you are, the higher the chances that you will experience health issues in the near future. Hence, buying early is a smart way to reduce your premium.For example, if you buy an Axis Max Life term insurance plan at the age of 25, it will cost you ₹1,228 per month. Alternatively, if you buy the same plan at the age of 45, it will cost you around 3,732 per month.
As a result, it is highly recommended that you buy a term plan in your 20s to save money.
2- Maintain a healthy lifestyle:
The term insurance premium payout will be reduced if you maintain a healthy lifestyle. Insurance companies pay special attention to the policyholder's medical history.Lifestyle ailments like hypertension and high blood pressure can increase the amount of term insurance. Hence, it is important to maintain a healthy lifestyle.
3- Opt for a long policy tenure:
Selecting a longer tenure can help you lock in a lower premium. It ensures that you don’t have to renew the policy at an older age.Additionally, you can enjoy lower premiums throughout the policy without worrying about potential increases with age.
4- Compare policies:
Different insurance companies offer different premiums for the same sum assured. Hence, comparing different types of term insurance plans before settling on one is essential.This can be time-consuming, but it allows you to select the best plan based on your present and future needs.
5- Buy term insurance policy online:
To reduce your term insurance premium, you can purchase a policy online. Buying policy online is the cheapest way, since there is no intermediary involved in the entire process. Also, it not only saves money, but also saves your time.At What Age Should I Opt For Term Plan?
The table below is a breakdown by age that illustrates why buying a term plan earlier can be beneficial:
| Age (years) | Policy term |
Monthly premium (₹) for 1 Crore plan (male, smoker) |
Monthly premium (₹) for 1 Crore plan (male, non-smoker) |
|---|---|---|---|
| 18 years | 67 years | 1,500 | 938 |
| 25 years | 60 years | 2,054 | 1,284 |
| 35 years | 50 years | 3,592 | 2,245 |
| 45 years | 40 years | 6,629 | 4,143 |
| 55 years | 30 years | 13,719 | 8,574 |
| 60 years | 25 years | 19,966 | 12,479 |
What Happens When You Don’t Use a Term Insurance Calculator?
Also, if you only focus on low premiums, you might get life cover which is not meet your family's financial needs. Therefore, by using an online term calculator, you get an estimate of both the premium payable and the coverage amount, tailored to your income, age, and financial liabilities.
Impact of Premium Calculation on Smokers
Individuals who smoke have to pay higher premiums on term insurance plans. It’s because they are more vulnerable to health issues such as cancer, lung disease, and heart conditions. Life insurance companies may verify smoking or tobacco use through disclosures, medical history, medical tests, and, in some cases, nicotine tests.Many insurers classify applicants as smokers or tobacco users if they have consumed tobacco or nicotine products within a specified look-back period, which may vary by insurer. Applicants should disclose their complete tobacco-use history honestly.
It is essential to quit smoking and maintain a tobacco-free medical record over time to get comprehensive coverage at reduced premiums. Check out a comparative analysis across different age groups for non-smokers and smokers:
| Age | Coverage | Non-Smoker Premium | Smoker Premium | Extra Cost for Smoking | Lifetime Extra Cost |
|---|---|---|---|---|---|
| 25 | ₹1 crore | ₹8,034 | ₹14,060 | ₹6,026/year | ₹1,80,780 |
| 30 | ₹1 crore | ₹10,294 | ₹18,015 | ₹7,721/year | ₹2,31,630 |
| 35 | ₹1 crore | ₹14,440 | ₹22,152 | ₹7,712/year | ₹1,92,800 |
| 40 | ₹1 crore | ₹17,002 | ₹29,753 | ₹12,751/year | ₹2,55,020 |
Disclaimer: Premiums are indicative only. Actual premiums may vary based on insurer underwriting, health profile, age, lifestyle, policy features, and other factors. Lifetime cost estimates are approximate and should not be construed as guaranteed savings or costs. Terms and conditions apply.
You can use a term insurance calculator to analyse
premiums for specific age groups. It will help you compare
premium amounts for a smoker and a non-smoker to get a better
idea of the premium needed for different lifestyle requirements.
Why Occupation Impacts Term Insurance Premium Calculation?
If you work in a safe, indoor environment, your risk is considered “low” or "standard". However, if your profession involves risks such as operating risky equipment, working at heights, or operating in extreme working conditions (like mines or factories), insurers view it as a higher risk of paying a claim. To balance this, they add a "loading fee," which increases your premium. Essentially, the safer the job, the lower your monthly or yearly cost.
•Term insurance for self employed : This serves as a critical safety net, ensuring your business debts or loans do not become a financial burden for your family.
•Term insurance for women:This can be a smart financial move, as statistical data show women generally have longer life expectancy.
•Term insurance for housewife: The insurance protects the economic value of a homemaker’s work, ensuring the family can afford childcare and household management if they are no more.
Hence, your occupation is a key lever in determining your term insurance cost. By accurately disclosing your professional profile, you ensure your family’s finances are secured at a fair, sustainable price tailored to your specific lifestyle risks.
BENEFITS
Why Prefer Axis Max Life?
99.70%
Death Claims Paid Ratio
(Source : Individual Death Claim Paid Ratio as per audited financials for FY 2024-25)
₹2,191,857 Cr.
Sum Assured
In force (individual) (Source : Axis Max Life Public Disclosure, FY 2024-25)
₹175,072 Cr.
Assets Managed
(Source : Axis Max Life Public Disclosure, FY 2024-25)
405 Offices
Axis Max Life Presence
(Source : As reported to IRDAI, FY 2024-25)
Empathy
For our customers
Transparency
In all phases
Rider Options Offered by Axis Max Life Insurance
AXIS MAX LIFE CRITICAL ILLNESS AND DISABILITY RIDER (UIN: 104B033V02)
Axis Max Life Waiver of Premium Plus Rider (UIN: 104B029V05)
Axis Max Life Accidental Death and Dismemberment Rider (UIN: 104B027V05)
Add-on Options Offered by Axis Max Life Insurance
Protect Your Spouse (Joint Life Cover)
Return of Premium
Accident Cover
Steps to Use Axis Max Life Term Insurance Premium Calculator
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1
Enter your full name, date of birth, Mobile number, income range and confirm if you are a Non-Resident Indian or not. Then click on ‘Calculate Now’. .
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Provide some more details to confirm your desired coverage as shown below. Details required on this page include gender, tobacco usage, occupation and education level to continue axis max application.
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3
Fill out the details of your desired life cover amount, policy term and premium payment term to continue on Axis Max Insurance website.
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Add the add-ons/riders you wish to be included along with your term life insurance policy. Once you have made your selections, the estimated premium you will need to pay to purchase the term life insurance plan of your choice.
Steps To Buy Term Insurance Online in 2026
Since most insurers have slightly different processes developed for purchasing term insurance policies online, it is not possible to establish a standard procedure for how to buy term insurance online.
However, the following steps are undoubtedly present in one form or another.
Step 1: Visit the website:
Firstly, visit the website or app of your insurance provider and select the term insurance plans option.
Step 2: Provide the required details:
After that, provide some basic details like your name, gender, age, contact information, and health-related details as asked in the application form.
Step 3: Use term insurance calculator:
The term life insurance calculator is the best way to help you estimate the required coverage and premiums based on your income, lifestyle, age, and financial goals.
Step 4: Compare policies online:
You can select from a variety of cover alternatives to get the desired coverage. Remember that this can impact the policy premiums.
Further, select a premium payment option - monthly, quarterly, yearly, as per your needs.
Step 5: Add riders:
Riders provide extra coverage for events not covered by the base policy. This means they can be used to cover accidental death, critical illness, total/partial disability due to an accident, etc.
Step 6: Complete the know your customer (KYC) process:
Upload all relevant documents like income proof, valid ID, proof of address, and other required details asked by the insurance company.
Step 7: Provide medical information:
Your lifestyle plays a major role in determining your policy premium. Hence, you will be asked about your past medical history and any alcohol or tobacco consumption.
You must fill in this information accurately to avoid any rejection of claims later on.
Step 8: Go through the fine print:
After filling in all the details and submitting documents, read and understand the terms and conditions of your term insurance policy.
Step 9: Make the payment:
Make the payment through credit cards, debit cards, or net banking. Once the payment is done, a digital copy of your insurance papers is mailed to you.
How to choose term plan based on your needs?
A term insurance plan is ideal for those who have significant liabilities and financial dependents. Here is a further breakdown of how a term insurance plan works for different individuals and how it can benefit them.
Salaried individual
Term insurance for salaried individual provides financial protection to their family at an affordable premium. If you purchase a policy with Axis Max Life, then up to a 15% discount applies on your first year's premium.
However, you need to provide some proof of income to be eligible for the policy.
Women
A term insurance plan for women provides financial protection to their loved ones in case of their unexpected death. Also, it provides coverage for pregnancy-related complications and critical illness.
The premiums of term plans for women are generally lower due to applicable discounts. With Axis Max Life Term Plan, women policy holders get up to 15% lifetime discount in addition to regular discounts applicable, which makes the policy a cost-effective way to protect their loved ones.
Salaried women
Term insurance for salaried women is similar to a traditional term insurance policy. However, their premiums are lower compared to men, since an exclusive discount is also applicable.
If you buy Axis Max Life Term Smart Term Plan Plus, then you will get an exclusive discount for salaried women, where a 15% discount applies to your first year's premium and an additional 15% discount for the rest of the policy term.
Self-employed
Term insurance works for self-employed in the same manner as a term plan for a salaried individual. This plan is mainly designed to offer financial protection to those who do not have the benefits of employer-sponsored insurance policies.
Also, this can help cover business debts and provide peace of mind that your loved ones will be financially protected if something happens to you.
Know more: Term Insurance for Self Employed
NRIs
A Term insurance policy for NRIsTerm insurance policy for NRIs can be purchased from the IRDAI-approved life insurance companies in India, even though the policyholder is residing temporarily in a foreign country.
However, the documents required for an NRI's term plan in India are slightly different from the documents needed if a resident Indian is buying a similar plan.
Selecting a term plan is a critical component of financial planning. Choosing the right plan depends on your life stage and your family members' financial dependence.
Strategies You Must Follow for Different Family Needs
• For Parents: Focus on milestone-based coverage. Your policy must cover major future expenses like your child’s education and marriage. Simultaneously, the term tenure should extend to cover your child’s financial independence.
• For Housewives: A policy for a homemaker guarantees that the family will always be able to take care of the kids and run the household, reducing the financial burden on the primary breadwinner.
• For Young Professionals: Prioritize locking in the premium. Buying early allows you to secure a high sum assured at a very low cost, which remains constant throughout the policy tenure, protecting your future insurability regardless of health changes.
Some Crucial Pointers to Evaluate Any Plan
• Claim Settlement Ratio (CSR): Always check the insurer’s CSR (above 98% is desired). This metric shows the percentage of claims the company has successfully paid against total claims raised in a particular financial year.
• Rider Integration: Buying a base term plan is not enough sometimes. Optional Add-ons (Riders) help keep your policy in force even if disability affects your income. Riders such as Accidental Death Benefit and Waiver of Premium provide extra protection.
• Solvency Ratio: It helps you check whether the insurer can comfortably meet future claim obligations. A ratio above 1.5 indicates the company is financially sound and reliable over the long term.
Real-Life Examples Based on Different Life Stages of Policyholders
Understanding how a term insurance plan calculator works becomes easier by looking at real-life examples of people at different life stages. Check out the common real-life examples based on different life stages of policyholders:
1 - A Small Business Owner of 35 Years
Suresh is a small-business owner who runs a confectionery shop. His income fluctuates with seasonal orders. Therefore, he wants to provide financial protection for his family while committing to long-term payments for the business's requirements. Suresh can buy a term insurance plan and choose a limited pay option to complete premium payments early and continue the life cover later. If Suresh passes away leaving behind the business related financial liabilities, his family can pay off the liabilities with the death benefit amount.2 - An NRI of 35 Years
Priya works in Saudi Arabia and is the primary breadwinner for her family living in Delhi. She does not want to buy a life insurance plan abroad due to higher premiums and the difficulty of making claims later. She can buy a term insurance plan for NRIs to provide financial protection to her family in the event of her sudden demise during the policy term. Moreover, the death benefits of a term insurance plan purchased in India are paid in Indian rupees, thereby avoiding currency conversion and settlement issues.3 - A Homemaker of 35 Years
Seema is a 35-year-old homemaker who dedicates her time entirely to caring for her two children and her husband. She might not earn a salary, but her role as a homemaker is essential in maintaining the family. She plans to buy a term insurance plan with a critical illness rider to ensure financial support during medical emergencies. This makes her stress-free, as her family would be able to cope if she faced a major health issue in the near future.Why Choosing the Right Sum Assured is Important for the Best Term Insurance Plan in India
The primary purpose of a life insurance policy is to protect the finances of your loved ones in case of your death. So, choosing adequate sum assured while buying best term insurance plan in India is essential if you plan to provide your dependents with adequate finances in your absence.
The death benefit of a life insurance policy will need to not only ensure that your dependents are able to continue maintaining their lifestyle after you are no longer there but also ensure that any outstanding liabilities you have like a personal loan, car loan or home loan are paid off even if you are no longer able to earn.
Typically, experts suggest that the sum assured of a life insurance policy should be at least 10 times your annual income, while 20 times annual income is preferable. You also need to consider factors such as outstanding liabilities and the number of dependent family members you have before you arrive at final figure when choosing the right sum assured for your policy.
How Term Insurance Plans Work in India
It is important to understand your needs first before you buy any best term insurance plans in India. Do explore the terms and conditions (if any) for few important elements like death benefits that can help the dependents later.
When you purchase a term insurance policy, you are eligible to receive death benefits as these life insurance policies do not have maturity/survival benefit. In term plans, death benefit is paid out to the nominee if the insured individual dies while the policy is in effect. The payout is based on the sum assured that is chosen at the time of policy purchase. On payment of death benefit, the policy terminates.
Apart from death benefit, a best term insurance plan in India can also feature other benefits such as lump sum payout after diagnosis of a critical illness or if disability/death occurs as a result of an accident. These benefits are typically provided through riders and policy add-ons that require additional premium payments by the insured individual.
Key Factors that Influence Term Insurance Premiums
Term insurance premiums are mathematically priced based on the financial risk you represent to an insurer. They analyse key factors such as your age, occupation, and health history to assess your mortality risk. It helps the insurers company set a premium that keeps your family’s safety net affordable yet sustainable.
1.Occupation: Your job is one of the most significant variables in a premium calculator. Insurers classify professions into various risk categories based on safety.
- Low Risk: People in desk jobs, such as software engineers and accountants, pay the lowest premiums. These professions have the lowest probability of physical danger.
- High Risk: Jobs involving occupational hazards, like mining, oil & gas, aviation, or construction often carry an extra charge known as "Premium Loading". This is because, in these professions, the likelihood of an accident is higher and increasing likelihood of claims.
- Impact on Premiums: If you consume tobacco in any form (through vapes, e-cigarettes, or chewing), you’re likely to pay higher insurance premiums compared to non-smokers.
4.Gender: On average, women have a higher life expectancy compared to men. Because insurers expect to provide coverage for a longer period before a potential payout, women often receive a gender-based premium discount.
5.Medical History & Lifestyle: Your current health (BMI, blood pressure) and your family’s medical history of hereditary diseases (like diabetes or heart conditions) help the insurer decide if you need a standard rate or a higher premium.
6.Annual income: Financial experts recommend coverage should be 15-20 times your annual income. Coverage needs are frequently calculated as a multiple of annual income to account for family responsibilities and liabilities.
7.Policy term: The policy duration determines the premium amount. Longer coverage duration results in higher premiums.
8.Riders: The additional riders, such as premium waiver, accidental benefit, critical illness policy, etc., impact the final premium. These enhancements result in higher premiums due to the increased coverage offered.
A term insurance premium calculator uses the above data to assess the optimal coverage and premium amount you would have to pay.
*Note: Life Expectancy as per Report of The Technical Group on Population Projections, July, 2020
How Much Term Insurance Cover Do I Need?
To determine your ideal term insurance coverage, financial experts recommend assessing your life from a balance-sheet perspective. Rather than chasing a high sum assured, the goal should be to estimate the income replacement requirement. The income replacement is the specific amount of capital your family will need when you’re not around.
This is to maintain their lifestyle and pay off debts if your income suddenly stops. The most effective way to do this is to add up your future financial obligations (such as monthly bills and loans) and subtract what you already own (such as savings and investments).
The Financial Formula
Total Coverage = (Current Yearly Expenses × Years Left for Retirement) + Total Debts + Future Goals - Current Savings.
Let’s understand it with a real life example,
Saurav is a 32-year-old sales manager. Let’s take a quick look at his financial profile-
- Annual expenses: The family spends ₹8 Lakhs annually. His retirement is after 20 years, and to cover that period, he needs approximately ₹1.6 Crores (₹8,00,000 X 20).
- Unsettled/Ongoing Liabilities: A home loan of ₹40 Lakhs.
- Future Goals: Planning to keep ₹20 Lakhs for his daughter’s higher education.
- Current Assets: Invested ₹20 Lakhs in Mutual Funds and EPF.
Saurav’s Coverage Calculation:
- (₹1.6 Crore for expenses) + (₹40 Lakh loan) + (₹20 Lakh education) = ₹2.2 Crores.
- Subtract his ₹20 Lakhs in savings.
- Ultimate Requirement: A term plan of at least ₹2 Crore can be suitable for him.
The above calculation will help Saurav make an informed decision. Instead of purchasing a ₹1 crore policy outright, he can consider a better option to safeguard his loved ones.
How Term Insurance Claim Settlement Process Works
When you buy a term plan, at Axis Max Life Insurance we look at it as a formal commitment to protect your family’s future. This is the final, critical step where the promise of protection becomes the real financial support for the family of policyholder.How We help You Settle Your Claims?
There are misconceptions regarding the claims settlement of Term plans. This also one of the key reasons many people fear buying a term plan. Surprisingly, the reality is exact opposite as claim settlement is an easy process. Let’s understand it in step by step manner
Step 1 – Inform the Insurer (Intimation): When an unfortunate event occurs, inform the insurer immediately. As soon as you submit the policy number and preliminary details officially, your claim lifecycle begins.
Step 2 - Submit Claim Proofs (Documentation): To process your claim, we need the death certificate, policy bond, and the nominee’s bank details. Only then can we ensure the money goes to the right person.
Step 3 – Receive the Funds* (Payout): After verification, the claim is quickly approved, and the sum assured is transferred directly to the nominee’s designated bank account
*Provided no investigation is required.
In order to submit an individual life insurance claim, the nominee named in the life insurance policy has to fill out and submit Individual Death Claim Form A along with key supporting documents to the insurance company. Key documents required when submitting a claim with Axis Max Life Insurance include:
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1
Original Policy Document
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2
Original/attested copy of death certificate issued by local municipal authority
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EFT Mandate form attested by bank authorities along with a cancelled cheque/bank account passbook copy
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Photo identity of nominee such as copy of Aadhar card, Voter ID, Passport, PAN card, etc.
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Attending physician’s statement (Form C)
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Medical records such as admission notes, test reports, death/discharge summary, etc.
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Copy of Panchnama/Police complaint or FIR (First Information Report)
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Copy of Autopsy and Viscera Report/Post Mortem Report (PMR)
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Copy of Charge Sheet/Final Police Investigation Report (FPIR)
How to Buy a Term Plan?
Buying an Axis Max term insurance policy is no rocket science. If opting for online mode, all you need is a stable internet connection and your basic ID proofs to start the buying process. Given your eligibility criteria you might be shown different Axis max term plans such as Axis Max Smart Term Plan Plus etc. Explained below are the steps to buy a best term insurance plan online using the Axis Max Life Insurance portal:-
1
Go to Axis Max Life Insurance official website.
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2
On the homepage itself, you will see an online form. You’ll be required to fill the details.
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3
Enter your full name, date of birth, gender, smoking (Yes/No), annual income and your 10-digit phone number.
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4
Click on ‘Check Premium’.
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5
Choose your preferences for occupation and education on the page thus opened:
- After selecting, hit the ‘Check Coverage’ button.
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At this point, you have the option to customize
your term plan, as shown here:
Choose the life cover from Rs 1 crore, Rs 50 lakhs or Rs 2 crore from the drop-down. - Select the tenure of your Axis Max term plan, i.e. the age till which you wish to stay covered. Minimum term is till the age of 60 years. The monthly premium amount will be displayed below term.
- Here, you need to choose the premium payment term. You can choose to pay for the entire tenure or for a shorter term, like till the age of 39 or 34 years. Doing so will save you significantly on the premium amount.
- After selecting your preference, click on ‘Proceed’. . (refer the image below)
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Choose whether you’re a diabetic in the pop-up message as shown below:
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At this stage, you can choose any of the add-on riders from the widget list. If not, click on ‘Skip’.
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Fill in your personal details (first and last name, email address, annual income and PIN code of residential area) before hitting the ‘Proceed’ button and move on to finalizing the product.
The concluding steps will require you to review the Axis Max Insurance plan details and select the mode of payment from UPI, Credit/Debit Card, Net Banking or QR Scan & Pay.
Who Should Buy a Term Plan?
In the financial ecosystem, a term plan is a fundamental risk-management tool designed for anyone with "financial dependents". It serves as a backup for your future earning potential, ensuring that your major future expenses are well taken care of. The Sum assured is generally enough to cover family’s standard of living, children’s education, and outstanding debts if your income stops unexpectedly.
The following table provides a clearer view.
| Types of Individuals | Term Insurance Benefits |
|---|---|
| Beginners |
• Purchasing term insurance at a younger age results in
lower premium rates. • Your premium stays the same irrespective of your income growth. • Early coverage shields you from higher costs due to lifestyle-related illnesses. • Provides peace of mind by protecting your future dependents. • Supports creating a strong and stable financial base for family. |
| Newlyweds |
• Safeguards your spouse’s financial well-being in the
event of an unforeseen circumstance. • Buying early helps in securing higher coverage at lower premiums. • Ensures that liabilities such as home and vehicle loans are taken care of. • Allows couples to consider joint financial plans tension-free. • Option to include spouse under riders for enhanced protection. |
| Working Women |
• Provides financial security even if you are the
primary or equal earner. • Ensures children’s education and lifestyle remain unaffected. • Covers liabilities such as home loans, personal loans, or business loans. • Purchasing a policy sooner keeps premiums more affordable. • Safeguards your family’s future without compromising financial independence. |
| Homemakers |
• Acknowledges the economic importance of unpaid
domestic responsibilities. • Ensures regular family expenses like childcare and home support are handled. • Supports the family financially during difficult and unexpected times. • Affordable coverage with flexible sum assured options. |
| Parents with Young Children |
• Secures children’s education and future milestones. • Ensures daily life and comforts remain unchanged. • Provides financial backing for major life goals, including education and marriage. • Works as a guard for family in case of financial instability. • Allows inclusion of critical illness riders for added safety. |
| Sole Breadwinners |
• Ensures family members are financially protected in
your Works as a backup for lost income and supports
daily household expenses. • Covers major liabilities such as EMIs and outstanding loans. • Offers peace of mind knowing loved ones are secure. |
| Self-Employed & Business Owners |
• Provides financial stability to family in absence of a
handsome savings. • Covers business loans and personal liabilities in your absence. • Ensures dependents are not burdened with debts. • Customisable coverage to keep pace with income growth. • Offers future stability when conditions are unfavorable. |
| Taxpayers |
• Tax savings can be claimed on insurance premiums under
Section 80C of the Income Tax Act, 1961. • Death claim payouts are tax-free as per Section 10(10D). • Helps reduce taxable income while securing the family's future. • Combines tax efficiency with high financial protection. • A smart addition to the overall tax planning strategy. |
| Individuals with Home or Personal Loans |
• Ensures outstanding loans are settled without
burdening family members. • Protects family assets like home and property. • Prevents dependents from liquidating emergency savings or investments. • Ideal for long-term loans with high EMIs. • Offers peace of mind during if the loan is running/unpaid. |
But apart from the above groups, term life insurance plans can also be purchased by housewives, Non-Resident Indians and various other groups of individuals. Basically, anyone and everyone looking for a safer future must get their hands on an Axis Max Life term insurance plan.
Which Term Insurance Payout Option is Right for You?
Here is a tabular explanation for ease of understanding:
| Payout | How It Works | Best Financial Use Case |
|---|---|---|
| Lump Sum | The entire sum assured is credited in one go. | Ideal for meeting major liabilities like loans or child’s education. |
| Monthly Income | The insured amount is disbursed in regular monthly installments over 10–20 years. | Perfect to maintain daily household expenses and avoid misuse of the large payout. |
| Increasing Monthly Payout | The monthly amount increases annually at a predetermined rate, like 5-10%. | A wise approach to safeguard your family against inflation and maintaining regular expenses. |
| Lump Sum + Monthly Payout | An initial 50% is released immediately, and the balance is distributed monthly. | A hybrid approach that provides capital for immediate debt clearance and a steady payout stream for daily survival. |
Can I use a Term Insurance Calculator Without Giving My Personal details?
Yes, you can use the term insurance calculator without giving any personal details like your name and contact details.
The calculator simply asks you to enter a few basic details like your age, gender, coverage amount you would like to apply, occupation type, etc.
Once you submit all these details, you will see an estimated premium on your screen. This way, you can compare what the potential premiums are required coverage without giving any personal information.
Mistakes People Make After Using a Term Calculator
The term insurance premium calculator is an effective tool to analyse and estimate the premium required for comprehensive coverage under a term insurance plan. However, many people misinterpret the results and formulate wrong perceptions.
Inaccurate results from a term insurance calculator may lead to unrealistic expectations, rushed decisions, and inadequate life cover. Therefore, it can lead to weak long-term financial protection and a lack of foresight regarding future needs.
Check out the common mistakes made by people while using a life insurance policy calculator that can lead to faulty decisions:
1 - Assuming the Results as Final and Guaranteed
Usually, people believe the calculator results are final and guaranteed. However, in reality, these figures are indicative only and may change after underwriting, depending on the terms and conditions of the insurance provider. Here are some of the factors that may increase or decrease the final premium:
Detailed Health Disclosures
Lifestyle Habits
Medical Test Outcomes
Occupation Risk Assessments
Thus, it is essential to understand these factors to set realistic expectations and prevent confusion and disappointment when applying the policy.
2 - Treating the Lowest Premium as the Best Plan
Applicants must analyse a term insurance plan based on several factors, rather than just the premium rate. Choosing a term insurance plan solely based on the lowest premium may lead to inadequate protection. Lowest premium often means the following events:
Shorter policy tenure
Limited features
Reduced sum assured
Although affordability should be a factor when choosing a term insurance plan, several other factors help strike a balance between comprehensive protection and financial security.
3 - Underestimating the Required Sum Assured
A lower premium may lead to reduced sum assured. After using the term life insurance calculator, the applicants should not reduce the sum assured to lower their premiums, as insufficient coverage may fail to fulfil the following objectives:
Replace income
Clear outstanding liabilities
Support future expenses
Therefore, the total sum assured should be based on the financial responsibilities and long-term targets. Using an online term insurance premium calculator can help you choose a better plan based on your specific requirements.
4 - Ignoring Policy Tenure
Most policy applicants focus on premium amounts and fail to consider policy tenure. Although shorter policy tenures may be available at reduced premiums, they may leave the individuals unprotected during the later earning years. Therefore you must use the life insurance calculator,and then continue with the policy tenure. Also, the policy tenure must match the following goals:
Family responsibilities
Retirement plans
Career span
Therefore, focusing on long-term financial security over short-term savings helps applicants achieve continuous and reliable financial protection.
5 - Overlooking the Advantages of Riders
Riders are additional coverage added to the base plan to provide comprehensive financial protection. Many applicants focus on the base premium shown by the term insurance premium calculators and overlook the advantages and value of riders. The value ofridersshould be evaluated in the following factors:
Financial vulnerability
Personal risk exposure
Dependents’ reliance on income
Existing insurance coverage
Therefore, the riders should not be ignored solely because they increase the premium. Choosing riders based on your financial needs helps you stay comprehensively protected.
6 - Delaying the Purchase
Delaying the purchase of a term insurance policy after reviewing the term insurance calculator results may lead to a higher premium, as premiums increase with age or changes in health status. Check out the reasons to buy a term insurance plan promptly after looking at the calculator results:
Premium increase with age
New health conditions raise the premium
Existing insurance coverage
Early purchase ensures long-term protection
Lifestyle or occupation changes
After confirming the suitability and affordability of the term insurance plan, it is essential to buy the plan promptly at a lower cost to ensure uninterrupted financial protection.
How To Calculate Your Term Insurance Premium Without Personal Information?
You can calculate an estimated term insurance plan premium without sharing your personal details, like your name and phone number, as these are completely optional for basic term insurance quotes. Here are the two simple ways to get started
In case you already know your required sum assured:
You can use the term insurance calculator if you already know the sum assured. Since you are not entering your personal information, your privacy remains protected. This makes it easy to compare different plans and how your selected sum assured impacts the premium.In case you don’t know the right sum assured for yourself:
If you are unsure about the required sum assured, you can still use the term insurance calculator. Many tools help you estimate the right coverage by considering some basic information like age, occupation, gender, etc. These details are general and don’t reveal your identity.Information Required to Use the Term Insurance Premium Calculator Without Personal Information
Here are the details that you must enter while using the term insurance premium calculator without personal information:
- Gender
- Age
- Tobacco use
- Required policy term
- Desired coverage amount
- Occupation
Why term insurance along with critical illness rider is important ?
Term insurance with a critical illness rider provides a lump sum payout if you are diagnosed with any critical illness listed under the policy. The amount can be utilized for hospitalization bills, ambulance charges, or other relevant expenses.
Here are key reasons why term insurance with a critical illness rider is important:
1- One-time payment with no deductions
2- Provide protection for all medical costs
3- Payout can be utilized to manage expenses such as paying monthly utility bills.
4- Premiums paid are eligible for deductions under section 80D of the Income Tax Act. However, this is only applicable under the old tax regime.
5- Premium amount remains the same, offering peace of mind to the insured person over the long term.
Term Insurance protects your family’s income, while the Critical Illness (CI) Rider safeguards finances during major health setbacks. Together, they help prevent long-term financial strain, debt, and erosion of your net worth during serious medical setbacks
Did You Know? Key Facts You Should Be Aware Of
• Cardiovascular disease claims millions of lives annually in India. Heart diseases often require bypass surgeries or prolonged cardiac care, which can significantly impact personal savings.
• There is a significant rise in heart attacks amongst the 30–50 age. For working professionals in their peak earning years, a sudden health crisis not just incur medical bills, but also leads to massive "opportunity costs" through lost income.
• Incidence rates for breast, lung, and oral cancers have risen steadily over the last decade. With specialised treatments often costing multiple lakhs, cancer is both a medical and financial crisis for individuals and families.
• As a global epicentre for diabetes, India faces a secondary epidemic of kidney failure and stroke. These conditions often require long-term rehabilitation and lifestyle modifications, which standard hospitalisation policies may not fully cover.
Why a Critical Illness Rider Makes a Difference
A Critical Illness (CI) rider provides a lump-sum payout upon diagnosis. Unlike standard health insurance (which pays the hospital), this fixed payout can be utilised to cover:
1. Replacing lost monthly income.
2. Settling existing debts or EMIs.
3. Funding specialised outpatient treatments or home-based care.
Relying solely on a Term Insurance policy leaves your assets vulnerable to medical debt costs. A CI rider ensures that surviving a major illness does not mean sacrificing your financial independence.
Term Plans Available in Axis Max Life Insurance
The following is a list of term plans provided by Axis Max Life Insurance:
- Axis Max Smart Term Plan Plus
- Axis Max Life Smart Secure Plus Plan
- Axis Max Life Smart Total Elite Protection Plan
- Axis Max Life Saral Jeevan Bima Plan
Note: Currently, only the first two stated Axis Max Life term plans, viz. Axis Max Life Smart Term Plan Plus and Axis Max Life Smart Secure Plus Plan, are available for fresh purchase both online and offline. However, even if you bought any of the Axis Max Life term insurance plans before, be assured that your plan will remain active till the end of the term.
Term Insurance Calculator FAQs
- Age
- Gender
- Occupation
- Tobacco usage
- Lifestyle habits
- Pre-existing medical conditions
- Sum assured amount
- Premium Payment Term
- Policy Tenure
- Go to Axis Max Life Online Official Website and click on the Customer Login button at top of the page.
- .On the login page, click on Track Application link given on the login form.
- Enter your registered mobile number and date of birth and click on the Continue button. Note: You can also log in with your policy number and date of birth.
- .Once you log in, you can check the status of your Max Term Policy.
Know more: Term Insurance for Smokers
Additionally, if your policy includes a health-related rider, you are eligible to claim an additional deduction up to ₹25,000 (₹50,000 for a senior citizen) under section 80D.
However, these tax benefits are only applicable if you have opted for the old tax regime.
BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS
IRDAI clarifies to public that:
- IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums.
- Public receiving such phone calls are requested to lodge a police complaint.
IRDAI - Registration No. 104. Category: Life. Validity: Valid.
Corporate Identity Number (CIN): U74899HR2000PLC143012.
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
** Disclaimer | Axis Max Life Smart Secure Plus Plan (UIN: 104N118V13). A Non Linked Non Participating Individual Pure Risk Premium Life Insurance Plan. | Rider benefit is available on payment of extra Premium over base plan | *Standard premium for 20-year old healthy male, non-smoker, 25 years policy term, 25 year premium payment term for Axis Max Life Smart Secure Plus Plan| 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
@3Disclaimer | Standard premium for 20-year old healthy male, non-smoker, 25 years policy term, 25 year premium payment term for Regular Cover Variant of Axis Max Life Smart Term Plan Plus (UIN:104N127V05)| The above mentioned premium is the discounted monthly premium to be paid in 1st year. Discount is applicable only for salaried employees with a corporate. During policy issuance, Axis Max Life may call for proof of employment if required. In case proposer when asked is not able to prove the employment part, discount offer will be discontinued and additional premium as applicable will have to be paid for processing of the case.
@2Disclaimer |Standard premium for 20-year old healthy male, non-smoker, 25 years policy term, 25 year premium payment term for Regular Cover Variant of Axis Max Life Smart Term Plan Plus (UIN: 104N127V05)| The above mentioned premium is the discounted monthly premium to be paid in 1st year. Discount is applicable only for salaried employees with a corporate, purchasing via web link. During policy issuance, Axis Max Life may call for proof of employment if required. In case proposer when asked is not able to prove the employment part, discount offer will be discontinued and additional premium as applicable will have to be paid for processing of the case.
@4Disclaimer | Standard premium for 20-year old healthy male, non-smoker, 25 years policy term, 25 year premium payment term for Regular Cover Variant of Axis Max Life Smart Term Plan Plus (UIN:104N127V05)| The above mentioned premium is the discounted monthly premium to be paid in 1st year. Discount is applicable only for salaried employees with a corporate. During policy issuance, Axis Max Life may call for proof of employment if required. In case proposer when asked is not able to prove the employment part, discount offer will be discontinued and additional premium as applicable will have to be paid for processing of the case.
@5Disclaimer | Standard 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: 104N125V09) for a sum assured of 1 Cr. The above mentioned premium is the discounted monthly premium to be paid in 1st year. 5% 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.
5The lifetime discount of 5% in Smart Total Elite Protection Plan (UIN: 104N125V09) is available for entire premium payment term for sales through exclusive web link.
@6Disclaimer | Standard 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: 104N125V09) for a life cover of 2 Cr. The above mentioned premium is the discounted monthly premium to be paid in 1st year. 5% 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 | Standard 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: 104N125V09) for a life cover of 3 Cr. The above mentioned premium is the discounted monthly premium to be paid in 1st year. 5% 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.
@8Disclaimer | Standard 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: 104N125V09) for a sum assured of 1 Cr. The above mentioned premium is the discounted monthly premium to be paid in 1st year. 25% 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.
8The First year discount of 25% in Smart Total Elite Protection Plan (UIN: 104N125V09) is available for sales through exclusive web link.
@9Disclaimer | Standard 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: 104N125V09) for a life cover of 2 Cr. The above mentioned premium is the discounted monthly premium to be paid in 1st year. 25% 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.
@10Disclaimer | Standard 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: 104N125V09) for a life cover of 3 Cr. The above mentioned premium is the discounted monthly premium to be paid in 1st year. 25% 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.
@11Disclaimer | Standard premium for 20-year old healthy Female, non-smoker, 25 years policy term, 25 year premium payment term for Axis Max Life Smart Term Plan Plus UIN:104N127V05| The above mentioned premium is the discounted monthly premium to be paid in 1st year. Discount is applicable only for salaried employees with a corporate, 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.
@12Disclaimer | Standard premium for 20-year old healthy Female, non-smoker, 25 years policy term, 25 year premium payment term for Axis Max Life Smart Term Plan Plus UIN: 104N127V05 | The above mentioned premium is the discounted monthly premium to be paid in 1st year. Discount is applicable only for salaried employees with a corporate. During policy issuance, Axis Max Life may call for proof of employment if required. In case proposer when asked is not able to prove the employment part, discount offer will be discontinued and additional premium as applicable will have to be paid for processing of the case.
Special Exit Value
~1Disclaimer |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 ACI, Accident cover, Joint life cover, any attached riders and Voluntary Sum Assured Top-Up.
*1Individual Death Claim Paid Ratio as per Audited Financials for FY 2024-25
*2Axis Max Life Annual Audited Financials, FY 22-23
*3Free look period conditions: The policyholder has a free look period of 15 days from the date of receipt of the policy document and period of 30 days in case of electronic policies and policies obtained through distance mode, to renew the terms and conditions of the policy, where if the policyholder disagrees to any of those terms and 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 occurred by the company on medical examination of the lives insured and stamp duty charges. In case of a unit linked insurance product, in addition to the deductions under sub-regulation above, the insurer shall also be entitled to repurchase the units at the price of the units on the date of cancellation. A request received by insurer for free look cancellation of the policy shall be processed and premium refunded within 15 days of receipt of the request, as stated at sub clause above.
*4As per Axis Max Life Public Disclosures, FY 2024-25
*5As per Axis Max Life Public Disclosures, FY 2024-25
*6As per Axis Max Life internal data since inception
^*All claims that qualify for InstaClaim will be paid within 3 hrs from the date of submission of all mandatory documents else Axis Max Life will pay interest at prevailing Bank Rate as on beginning of Financial Year in which claim has been received for every day of delay beyond one working day. Interest shall be at the bank rate that is prevalent at the beginning of the financial year in which death claim has been received. Mandatory Documents: Original policy document; Original/attested copy of death certificate issued by local municipal authority; Death claim application form (Form A); NEFT mandate form attested by bank authorities along with a cancelled cheque of bank account passbook along with nominee's photo identity proof; Discharge/Death summary attested by hospital authorities or FIR & Post Mortem Report/Viscera Report (in case of accident death).
Axis Max Life Smart Secure Plus Plan. A non-linked non-participating individual pure risk premium life insurance plan | #Total premium will be charged at the time of policy issuance (subject to underwriting’s decision) | ^In such cases video medical assessment will be done for customers who are graduate, up to 45 years of age with income >= 10 lakhs, no disclosed medical condition and completely healthy with sum assured up to Rs. 1 Cr
3The discount is applicable if you are a salaried employee 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.
~3Disclaimer: A 35 year old female opting for a life cover of Rs. 1 Cr till the age of 75 years pays Rs. 3,319 monthly for 10 years while a 35 year old male will pay Rs. 4,168 monthly for 10 years
@64 critical illnesses covered in platinum and platinum plus variant on payment
~The Policyholder is allowed to defer the due premium for a period of up to 12 months from the due date, while maintaining the full risk cover under the base plan and attached riders (if any). This option is allowed to be exercised after completion of 3 policy years provided all due premiums have been paid and the policy is in-force.
*^Total premiums paid inclusive of any extra premium but exclusive of all applicable taxes, cesses or levies and modal extra.
ARN: WEB/13052026/SSPP-RC
412% online discount is applicable on first year premium for all customers (self-employed/business) opting for Axis Max Life Smart Secure Plus Plan (UIN:104N118V13)
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 do not have any kind of association or relationship with Axis Bank Limited.
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.
^*We will endeavour to settle claim within 3 hours for eligible, active, premium-paying policies that have completed three continuous policy years, with a sum assured of up to Rs. 50 lakh, and where the claim does not require field verification. Additionally, the nominee title must be clear, and all mandatory documents# must be submitted before 3 pm(Monday to Friday) at any Axis Max Life Insurance office.
#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)
3*15% discount is applicable only on the first year premium for salaried employees with a corporate, purchasing Axis Max Life Smart Term Plan Plus (UIN: 104N127V05). During policy issuance, Axis Max Life may call for proof of employment if required. In case proposer when asked is not able to prove the employment part, discount offer will be discontinued and additional premium as applicable will have to be paid for processing of the case. 15% discount (applied on standard male premium rates) is applicable for lifetime for females.
*$The stated benefit value of ₹50,000 is indicative and derived from average prevailing market rates for comparable services. It does not constitute an offer, assurance, or guarantee by Axis Max Life Insurance limited. Actual value and service availability may vary and subject to third party terms & conditions. The Health & Wellness benefits are available with Axis Max Life Insurance Smart Term Plan Plus- A Non-Linked, Non-Participating Individual Pure Risk Life Insurance Plan (UIN:104N127V05).
*&The percentage increase in premium shown above has been calculated using the difference between the discounted first year premium (incl. of GST) of a salaried, healthy, non-smoker male of Age 35 & 36 buying the limited pay (10P) regular cover variant of Axis Max Life Smart Term Plan Plus (UIN: 104N127V05) for a Sum Assured of 1 Cr and Policy Term of 40 years.
Corporate Office : Axis Max Life Insurance Ltd. 11th Floor, DLF Square Building, Jacaranda Marg, DLF City Phase II, Gurugram (Haryana) - 122002.