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<ul>
<li style="line-height: 35px;font-size: 14px; text-align: left; list-style-position: inside; list-style-type: none; ">Payable in addition to the death benefit Sum Assured</li>
<li style="line-height: 35px;font-size: 14px; text-align: left; list-style-position: inside; list-style-type: none; ">Accident Cover can be added to the premium paying policy at any time during the policy term.</li>

</ul>
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###TPD_SECTION##
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<ul>
<li style="line-height: 35px;font-size: 14px; text-align: left; list-style-position: inside; list-style-type: none; ">Financial benefit for the lost income in case of inability to work. </li>
<li style="line-height: 35px;font-size: 14px; text-align: left; list-style-position: inside; list-style-type: none; ">Benefit awarded only once in the insured individual's lifetime.</li>
<li style="line-height: 35px;font-size: 14px; text-align: left; list-style-position: inside; list-style-type: none; ">Claim is to be settled only if the permanent disability condition lasts for 6 months or more, subject to T&C`</li>
<li style="line-height: 35px;font-size: 14px; text-align: left; list-style-position: inside; list-style-type: none;">Tax benefits U/S 80(D) of the Income tax act, 1961</li>
<li style="line-height: 35px;font-size: 14px; text-align: left; list-style-position: inside; list-style-type: none;">Cover against any of listed conditions</li>
</ul>
<br/>
<p style="font-size: 16px; margin-bottom: 10px;">`subject to it fall within the definition laid down by Axis Max Life Insurance Co. Ltd. and subject to applicable exclusions and waiting period.</p>



<p style="font-size: 16px; font-weight: bold; margin-bottom: 1rem;">Conditions covered</p>
   <div>
	<h4  style="text-align: left;"> 1.&nbsp;Permanent Disability </h4>
<p style="font-size: 14px; text-align: left; "> Disability means inability of the Insured Person to perform at least 3 of the 6 activities
of daily living for a continuous period of 6 months as listed: Washing, Dressing, Transferring, Toileting, Feeding and Mobility</p>
</div>
 <div>
	<h4  style="text-align: left; "> 2.&nbsp;Physical Impairment:</h4>
<p style="font-size: 14px; text-align: left; "> i. Total and irrecoverable loss of sight of both eyes. The blindness must be confirmed by an Ophthalmologist, OR</p>

<p style="font-size: 14px; text-align: left; "> ii. Loss of use or loss by severance of two or more limbs at or above wrists or ankles; OR </p>
<p style="font-size: 14px; text-align: left; "> iii. The total and irrecoverable loss of sight of one eye and loss of use or loss by severance of one limb at or above wrist or ankle<sup>@~</sup> </p>
</div>


<p style="font-size: 9px;line-height: 14px; text-align: justify; ">@~ The above disability must have lasted, without interruption, for at least six consecutive months from the date of
diagnosis or accident and must, in the opinion of a qualified medical practitioner appointed by the Company, be
deemed permanent.
</p>

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Benefits

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<p style="font-size: 16px; margin-bottom: 0.5rem;  color:#171A21">Additional coverage on death due to accident</p>

<p style="font-size: 14px; ">On death due to an accident, 100% of Accident Cover Sum Assured will be payable as lump sum in addition to the death benefit Sum Assured.</p><br/>


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###TPD_SECTION##
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<p style="font-size: 20px; font-weight: bold; margin-bottom: 1rem; padding-bottom:1rem; border-bottom: 1px solid #e2e8f0; ">Total and Permanent Disability variant</p>
<p style="font-size: 14px;">Sum assured paid in case of occurrence of Total and Permanent Disability (TPD)
</p>

<p style="font-size: 14px;">Total and permanent Disability (TPD) cover (UIN – 104B033V02) provide the costs of living subject to maximum payable sum assured for the insured who are disabled for life due to accidental injuries sustained or debilitating disease or illness, rendering them unable to fend for themselves.</p><br/>
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How it Works

Every hour, 18 people die in India due to road accidents

Accident Cover

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<ul>
<li style="line-height: 35px;font-size: 14px; text-align: left; list-style-position: inside; list-style-type: none;">ROP Benefit on survival till end of the policy tenure</li>
<li style="line-height: 35px;font-size: 14px; text-align: left; list-style-position: inside; list-style-type: none;">Death Benefit</li>
<li style="line-height: 35px;font-size: 14px; text-align: left; list-style-position: inside; list-style-type: none;">Tax Benefits as per prevailing tax laws subject to change</li>
</ul>
<br/>

<p  style="margin-bottom: 1rem;"><b>Disclaimer:</b> 
The total premiums returned are only for the base policy and not for any additional benefit or riders opted.</p>
<p  style="margin-bottom: 1rem;">Assumed annual premium and rounded off; exclusive of taxes, modal extra and premium paid towards additional/optional or rider benefits</p>

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<p style="font-size: 14px;">Term life insurance plans with Return of Premium (or TROP) pays back the total amount of annualized premium paid towards the policy as maturity benefit if you survive the policy tenure. At the same time, if anything happens to the life insured, the return of the premium plan provides the Sum Assured to your family.</p><br/>
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100% guaranteed* Return of premium in case you survive the policy tenure

Return of Premium

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We may not be able to offer you some add-ons in case you are diabetic.

Are you Diabetic?

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<ul>
<li style="line-height: 35px;font-size: 14px; text-align: left; list-style-position: inside; list-style-type: none;">Total and Permanent Disability coverage.</li>
<li style="line-height: 35px;font-size: 14px; text-align: left; list-style-position: inside; list-style-type: none; ">Financial benefit for the lost income in case of inability to work.</li>
<li style="line-height: 35px;font-size: 14px; text-align: left; list-style-position: inside; list-style-type: none; ">Tax benefits u/s 80(D) of the Income tax act, 1961</li>
<li style="line-height: 35px;font-size: 14px; text-align: left; list-style-position: inside; list-style-type: none; ">Flexible payment option as limited pay or regular pay</li>
<li style="line-height: 35px;font-size: 14px; text-align: left; list-style-position: inside; list-style-type: none; ">Maximum maturity age up to 75 years with Maximum rider term of 20 years.</li>
<li style="line-height: 35px;font-size: 14px; text-align: left; list-style-position: inside; list-style-type: none; ">Wellness Benefits: The benefits available in this rider with objective of improving and maintaining customer's good health. This is an inbuilt benefit available to life insured without paying any additional premium.</li>
<li style="line-height: 35px;font-size: 14px; text-align: left; list-style-position: inside; list-style-type: none; ">Cover against any of 64 listed critical illnesses (five minor, 59 major), TPD is also covered</li>
</ul>
<br/>
##CRITICAL_ILLNESS##

<p style="margin-bottom: 1rem;"><b>Note :</b>
<li style="text-align: left; list-style-position: inside; list-style-type: none; ">To opt for standalone Total and Permanent disability cover please ask our representatives.</li>
<li style="text-align: left; list-style-position: inside; list-style-type: none; ">This Rider is not available for Transgender
</li>
</p>

Disclaimer: <sup>~</sup>This service is available to new and existing CIPDR customers & offered through partnership with MediBuddy.

^This service is available to new and existing CIDR customers & offered through partnership with MediBuddy. The discount will be basis the offers running on MediBuddy app at particular point of time.

<p style="margin-bottom: 2rem; margin-top:1rem;">
<b>Conditions for Total and Permanent Disability Benefit</b>
<span style="margin-top:2rem">
1. Permanent Disability:<br/>
Disability means inability of the Insured Person to perform at least 3 of the 6 activities of daily living for a continuous period of 6 months as listed: Washing, Dressing, Transferring, Toileting, Feeding and Mobility<br/><br/>
2. Physical Impairment:<br/>
i) Total and irrecoverable loss of sight of both eyes. The blindness must be confirmed by an Ophthalmologist, OR<br/>
ii) Loss of use or loss by severance of two or more limbs at or above wrists or ankles; OR<br/>
ill) The total and irrecoverable loss of sight of one eye and loss of use or loss by severance of one limb at or above wrist or ankle®-
@ - The above disability must have lasted, without interruption, for at least 6 consecutive months from the date of diagnosis or Accident and must, is the opinion of a qualified medical Practitioner appointed by the Company, be deemed permanent.<br/><br/>
3. Benefit awarded only once in the insured individual's lifetime.<br/><br/>
4. Claim is to be settled only if the permanent disability condition lasts for 6 months or more, subject to T&C*<br/><br/>
*subject to it fall within the definition laid down by Axis Max Life Insurance Co. Ltd. and subject to applicable exclusions and waiting period.<br/><br/>
The above disability must have lasted, without interruption, for at least six consecutive months from the date of diagnosis or accident and must, in the opinion of a qualified medical practitioner appointed by the Company, be deemed permanent.<br/><br/>
Accident means sudden, unforeseen and involuntary event caused by external, visible and violent means.<br/> <br/>
Accidental Injury means bodily injury of the insured caused solely, directly and independently of any other intervening causes from an accident {i.e. a traumatic event of violent, unexpected, external and visible nature). <br/><br/>
The loss of use of a limb is considered as a loss of use when such loss of use involves total and permanent loss of function of the limb affected as determined by a registered medical practitioner nominated by the Company.
</span>
</p>
</div>

##ACI_SECTION##
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<p style="font-size: 14px; margin-bottom: 1rem;">
100% upfront money on the diagnosis of any of the 40 critical illness covered.
101.</p> 

<p style="font-size: 14px; ">This ACI benefit helps you financially secure you and your loved ones against critical illnesses. The ACI is an accelerated benefit and not an additional benefit. This means that once an ACI claim is paid, Guaranteed Death Benefit amount will be reduced to the extent of the ACI claim paid out. The available rider term for the ACI Benefit is from 10 years to 50 years subject to it not exceeding base premium paying term or maximum maturity age of 75 years, whichever is lower.</p><br/>

<div><iframe width="100%" height="305" src="https://www.youtube.com/embed/ZgCua_6pv1I?autoplay=0&mute=1" title="YouTube video player" frameborder="0" allow="accelerometer; clipboard-write; encrypted-media; gyroscope; picture-in-picture" allowfullscreen></iframe></div>

<p style="font-size: 20px; font-family: Roboto-Medium; margin-bottom: 0.5rem; margin-top:1.5rem; padding-top:1rem; border-top-width:1px; color:#171A21">Benefits</p>
<ul>
<li style="line-height: 35px;font-size: 14px; text-align: left; list-style-position: inside; list-style-type: none; ">Protection against 40 Critical Illnesses </li>
<li style="line-height: 35px;font-size: 14px; text-align: left; list-style-position: inside; list-style-type: none;">Accelerated critical illness coverage on diagnosis of any of the specified 40 Critical Illness during the ACI Benefit cover period, provided the policy is in-force.</li>
<li style="line-height: 35px;font-size: 14px; text-align: left; list-style-position: inside; list-style-type: none;">Immediate lumpsum payment</li>
<li style="line-height: 35px;font-size: 14px; text-align: left; list-style-position: inside; list-style-type: none;">Hassle – free claims process</li>
</ul>

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##CRITICAL_ILLNESS##
##ACI_SECTION##


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<p style="font-size: 14px;">Axis Max Life Critical Illness and Disability Rider (UIN: 104B033V02) Platinum Plus Variant helps you financially secure yourself and your loved ones against critical illnesses and Total & Permanent Disability (TPD).</p><br/>
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This benefit will be over and above any of your existing mediclaim policies

Critical Illness and Disability Rider (CIDR) Platinum Plus Variant

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<p style="font-size: 14px; text-align: left;">The rider provides waiver of all future premiums in case of happening of the below mentioned eventualities:</p>
<ul>
<li style="line-height: 35px;font-size: 14px; text-align: left; list-style-position: inside; list-style-type: decimal; ">Dismemberment</li>
<li style="line-height: 35px;font-size: 14px; text-align: left; list-style-position: inside; list-style-type: decimal; ">Diagnosis of (11) specified critical illnesses</li>
<li style="line-height: 35px;font-size: 14px; text-align: left; list-style-position: inside; list-style-type: decimal; ">Death (in case policyholder and life assured are different)</li>
</ul>
<br/>
<p style="font-size: 16px; margin-bottom: 10px;">What is covered under this Rider?</p>
<p>
**A**.&nbsp; Dismemberment: It includes<br/>
1. Total and irrecoverable loss of entire sight in both eyes; or<br/>
2. Amputation or loss of use, of both hands, at or above the wrists; or<br/>
3. Amputation or loss of use, of both feet, at or above the ankles; or<br/>
4. Amputation or loss of use, of one hand at or above the wrist and one foot at or above the ankle<br/>
</p>


<p>
**B**.&nbsp;11 Critical Illnesses covered are<br/>
<p style="display:none;">placeholder</p>
1. Cancer of Specified Severity<br/>
2. First heart attack – of specified severity<br/>
3. Open chest CABG<br/>
4. Open heart replacement or repair of heart valves<br/>
5. Coma of specified severity<br/>
6. Kidney failure requiring regular dialysis<br/>
7. Stroke resulting in permanent symptoms<br/>
8. Major organ / bone marrow transplant<br/>
9. Permanent paralysis of limbs<br/>
10. Motor neuron disease with permanent symptoms<br/>
11. Multiple Sclerosis with persistency symptoms<br/>
</p>
<p style="font-size: 12px; "><i>Rider coverage is only available till the premium payment term.</i></p>

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<p style="font-size: 14px;">Axis Max Life Waiver of Premium Plus Rider (UIN: 104B02V05) provides waiver for all future premiums in case of diagnosis of any of the 11 Critical Illnesses covered, dismemberment, and death (in case life insured and policyholder are different individuals). The minimum and maximum entry ages are 18 and 65 years, respectively.</p><br/>
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2 out of 3 customers opt for this benefit

Waiver of Future Premium

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<ul>
<li style="ine-height: 35px;font-size: 14px; text-align: left; list-style-position: inside; list-style-type: none;">2 premium breaks are covered in a policy term at an interval of 10 years , subject to T&C.</li>
<li style="ine-height: 35px;font-size: 14px; text-align: left; list-style-position: inside; list-style-type: none; ">Insured even after you skip your premium during the premium break period</li>

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<p style="font-size: 14px;">Axis Max Life’s Premium Break rider provides you with an option to skip paying your premium to incase of job or income loss for a year and still stay covered.</p>
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Premium Break

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Review your Term Insurance summary

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<p style="font-size: 14px;">Sum assured paid in case of occurrence of Total and Permanent Disability (TPD)
</p>

<p style="font-size: 14px; ">Total and permanent Disability (TPD) cover (UIN – 104B033V01) provide the costs of living subject to maximum payable sum assured for the insured who are disabled for life due to accidental injuries sustained or debilitating disease or illness, rendering them unable to fend for themselves.</p><br/>

<p style="font-size: 20px; margin-bottom: 0.5rem; margin-top:0.5rem;   color:#171A21">Benefits</p>
<ul>
<li style="line-height: 35px;font-size: 14px; text-align: left; list-style-position: inside; list-style-type: none;">Financial benefit for the lost income in case of inability to work. </li>
<li style="line-height: 35px;font-size: 14px; text-align: left; list-style-position: inside; list-style-type: none; ">Benefit awarded only once in the insured individual’s lifetime.</li>
<li style="line-height: 35px;font-size: 14px; text-align: left; list-style-position: inside; list-style-type: none;">Claim is to be settled only if the permanent disability condition lasts for 6 months or more, subject to T&C`</li>
<li style="line-height: 35px;font-size: 14px; text-align: left; list-style-position: inside; list-style-type: none; ">Tax benefits U/S 80(D) of the Income tax act, 1961</li>
<li style="line-height: 35px;font-size: 14px; text-align: left; list-style-position: inside; list-style-type: none; ">Cover against any of listed conditions</li>
</ul>
<br/>
<p style="font-size: 16px; margin-bottom: 10px;">`subject to it fall within the definition laid down by Axis Max Life Insurance Co. Ltd. and subject to applicable exclusions and waiting period.</p>



<p style="font-size: 16px; font-weight: bold; margin-bottom: 1rem;">Conditions covered</p>
   <div>
	<h4  style="text-align: left;"> 1.&nbsp;Permanent Disability </h4>
<p style="font-size: 14px; text-align: left; "> Disability means inability of the Insured Person to perform at least 3 of the 6 activities
of daily living for a continuous period of 6 months as listed: Washing, Dressing, Transferring, Toileting, Feeding and Mobility</p>
</div>
 <div>
	<h4  style="text-align: left; "> 2.&nbsp;Physical Impairment:</h4>
<p style="font-size: 14px; text-align: left; "> i. Total and irrecoverable loss of sight of both eyes. The blindness must be confirmed by an Ophthalmologist, OR</p>

<p style="font-size: 14px; text-align: left; ;"> ii. Loss of use or loss by severance of two or more limbs at or above wrists or ankles; OR </p>
<p style="font-size: 14px; text-align: left; "> iii. The total and irrecoverable loss of sight of one eye and loss of use or loss by severance of one limb at or above wrist or ankle<sup>@~</sup> </p>
</div>


<p style="font-size: 9px;line-height: 14px; text-align: justify; ">@~ The above disability must have lasted, without interruption, for at least six consecutive months from the date of
diagnosis or accident and must, in the opinion of a qualified medical practitioner appointed by the Company, be
deemed permanent.
</p>

</div>

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Sum assured paid in case of occurrence of Total and Permanent Disability (TPD)

Total and Permanent Disability variant

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Critical Illness Cover

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Your ##PARTNER## is a smoker?

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Please Enter Details

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<p style="font-size: 14px;">Protect your spouse in the same plan</p>

<p style="font-size: 20px; margin-bottom: 0.5rem; margin-top:1rem; padding-top:1rem; border-top-width:1px; color:#171A21">Benefits</p>
<p style="font-size: 15px; padding-bottom:0.3rem;">In case of your demise or you are diagnosed with terminal illness earlier than your spouse, then</p>
<ul>
<li style="padding-left:10px; line-height: 25px; font-size: 14px; text-align: left; list-style-position: inside; list-style-type: none;">Your life cover is paid out to the beneficiary</li>
<li style="padding-left:10px; line-height: 25px; font-size: 14px; text-align: left; list-style-position: inside; list-style-type: none; ">All future premiums will be waived off</li>
<li style="padding-left:10px; line-height: 25px; font-size: 14px; text-align: left; list-style-position: inside; list-style-type: none; ">Spouse’s life cover becomes Rs. 50 lakh which continues throughout the policy</li>
</ul>
<p style="font-size: 15px; padding-top: 0.3rem; padding-bottom: 0.3rem;>In case your spouse dies or is diagnosed with terminal illness earlier than you, then</p>
<ul>
<li style="padding-left:10px; line-height: 25px; font-size: 14px; text-align: left; list-style-position: inside; list-style-type: none;">Spouse’s life cover of 10 lakhs will be paid out</li>
<li style="padding-left:10px; line-height: 25px; font-size: 14px; text-align: left; list-style-position: inside; list-style-type: none; ">Your life cover continues till the end of the policy term with premiums reduced to the extent of spouse’s cover.</li>
</ul>
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How does spouse cover (joint life cover) work?

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Do you wish to continue?

We need to revise your cover till age from ##X## years to ##Y## years in order to add spouse cover

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<ul>
<li style="line-height: 35px;font-size: 14px; text-align: left; list-style-position: inside; list-style-type: none; ">Payable in addition to the death benefit Sum Assured</li>
<li style="line-height: 35px;font-size: 14px; text-align: left; list-style-position: inside; list-style-type: none; ">Accident or Dismemberment Cover can be added to premium paying policy at any time during the policy term.</li>

</ul>
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<p style="font-size: 16px; margin-bottom: 0.5rem;  color:#171A21">Additional coverage on death due to accident or dismemberment</p>

<p style="font-size: 14px; ">Comprehensive protection against death or dismemberment due to an accident. 100% of the ADD Sum assured will be payable as lump sum in addition to the death benefit Sum Assured.</p><br/>
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Accident and Dismemberment Cover

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<div class="flex flex-col items-center"><p class=" text-sm font-bold text-left" >Our NRI customers can save if they choose payment frequency as Annual while buying a term plan in India. </p>
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<p class=" text-sm font-bold text-left">This is based on initial assessment and may change during application processing by our expert underwriters. </p>

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<p class=" text-base  text-left ">For women, term plan is also about futureproofing your health in addition to protecting your family in your absence.We encourage you to opt for Critical Illness add-on which offers</p><br/>
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  <li> Protection against up to 64 critical illnesses. This includes
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  <li>a. Early stage cancer as well as Major stage cancers.</li>
  <li>b. Top 4 leading causes of cancer for women in India in 2022 as per ICMR1-Breast, Cervix, Ovary, and Corpus Uteri. </li>
  <li>c. Other critical illnesses/surgeries related to heart, kidney, brain, liver, lung, and more</li>
</ol></li><br/>
  <li> Coverage till the age of 85 years</li>
  <li> Upfront payment of the entire amount on diagnosis</li>
<li>  No restrcition on claim amout usage. This amount can be used to meet any expense not just medical expense </li>
<li> Worldwide coverage: You can choose to get yourself treated to any hospital of your choice in India or abroad.</li>
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<p class=" text-sm font-bold text-left">T&C apply. This is based on initial assessment and may change after our experts' (underwriting) evaluation. </p>

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<p class=" text-sm font-bold text-left">This amount will be payable on diagnosis of a life threatening disease by a Registered Medical Practitioner during the policy duration</p>

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<p class=" text-sm font-bold text-left">Under the voluntary sum assured top-up feature, you can increase the Axis Max Life term insurance cover up to twice the initial sum assured. The top-up assured shall be payable in case of the insured’s demise or upon diagnosis of a terminal illness. In short, this plan gives you the option to voluntarily top-up to 100% of the base sum assured coverage after year 1 subject to Under writing.</p>

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<p class=" text-sm font-bold text-center" style="padding: 10px">Unlike health insurance plans where premiums can increase every year, term plan premiums remain constant for the entire payment term. </p>
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A delay can cost you in lakhs

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<p class=" text-sm font-bold text-left">Exclusive to Female Life Insured, this feature offers flexibility to avail Top-up in the event of the death of the spouse of female Life insured with premium rates based on inception rates, attained age, and revised total Sum Assured band.</p>

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<p class=" text-sm font-bold text-left">Accelerated benefit as applicable shall be payable within 3 hours from claim registration date, provided mandatory documents are submitted and the subsequent pay out shall be made after the claim is approved. 
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<p class=" text-sm font-bold text-left">Under Auto Cover Continuance option, you can delay premium payments for up to 12 months anytime after completion of 3 years while policy benefits continue. This option can be availed multiple times during the coverage period with a minimum gap of 5 years from the last payment.</p>

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<p class=" text-sm font-bold text-left">With this accelerated feature, you get free coverage against the diagnosis of Terminal Illness and accelerate<sup>**</sup> payout of Rs. 1 crore without having to pay additional premium.</p>

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<li style="line-height: 35px;font-size: 14px; text-align: left; list-style-position: inside; list-style-type: none;">The Sum Assured Booster option lets you increase your coverage without changing your premium</li>
<li style="line-height: 35px;font-size: 14px; text-align: left; list-style-position: inside; list-style-type: none; ">The flexibility to opt for Sum Assured Booster is available only with ‘Regular Cover’ and ‘Return of Premium’ plan variants.</li>
<li style="line-height: 35px;font-size: 14px; text-align: left; list-style-position: inside; list-style-type: none; ">The ‘Sum Assured on death’ payable would include SA booster for the applicable variants.</li>

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<p style="font-size: 14px; text-align: left;">Increase the Base Sum Assured or avail First Year Discount through the Sum Assured Booster option. Once, the Base Sum Assured is increased, it remains valid for the entire Policy Term, subject to the Premium Payment Term. Sum Assured Booster as applicable for various Premium Payment Term is defined below:</p><br/>
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                            <b>Premium Payment Term</b>
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                            <b>Sum Assured Booster</b>
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                      <td class=" px-1 py-2">Regular Pay</td>
                      <td class=" px-1 py-2">2% of Base Sum Assured</td>
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                      <td class=" px-1 py-2">Limited Pay or Single Pay</td>
                      <td class=" px-1 py-2">3% of Base Sum Assured</td>
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Flexibility to Increase the Base Sum Assured or avail First Year Discount

Sum Assured Booster

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Smart coverage will be applicable during first 15 years of the policy term. Pay less, Get More

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  <p class="text-lg font-bold mb-2" style="color:#171A21;">Congratulations</p>
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   You have added a Spouse Cover with up to 20% lower price
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Is your spouse an NRI?*

Is your spouse Diabetic?*

Tobacco/Nicotine*

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phoneNumber

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Education*

occupation

Occupation*

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Enter your Spouse Details

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<li style="line-height: 35px;font-size: 14px; text-align: left; list-style-position: inside; list-style-type: none;">Create a stronger safety net for family by covering both of you.</li>
<li style="line-height: 35px;font-size: 14px; text-align: left; list-style-position: inside; list-style-type: none; ">Protecting you both with separate term plans for complete and independent coverage.</li>
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<p style="font-size: 14px;">Adding a separate policy for your spouse means fortifying your existing family future coverage. With individual coverage and benefits coming from each of the policies, both of you will get separate coverage without dependencies. Since you both have individual coverage, from claims to payout everything will be managed separately when either or both of you not around.</p>
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