www.maxlifeinsurance.com
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https://www.maxlifeinsurance.com/term-insurance-plans/premium-calculator?utmCode=1&utm_source=masked&utm_medium=masked&utm_conten...
Submission: On May 20 via api from GB — Scanned from GB
Submission: On May 20 via api from GB — Scanned from GB
Form analysis
1 forms found in the DOM<form class="w-full md:w-3/5 bg-white flex justify-center">
<section class="jsx-2962102733 form pt-6 pb-8">
<h1 class="hidden text-center block text-base mb-0 text-primary font-bold md:mb-4 md:text-xl">Term Insurance Calculator</h1>
<div class="jsx-2962102733 flex flex-wrap">
<div class="jsx-2962102733 w-full mx-auto pt-6
md:px-3 px-4 w-full">
<div class="jsx-4167583092 choose-plan">Choose your plan</div>
<div class="jsx-4167583092 journey-container">
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journey-type-selected"></span></a><a class="jsx-4167583092 inactive"><i><svg xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" width="32.842" height="34" viewBox="0 0 32.842 34"><defs><linearGradient id="linear-gradient" x1="0.5" x2="0.5" y2="1" gradientUnits="objectBoundingBox"><stop offset="0" stop-color="#62baf8"></stop><stop offset="1" stop-color="#497af8"></stop></linearGradient></defs><g id="save-more-taxes" transform="translate(-5.92 -23.11)"><path id="Path_66088" data-name="Path 66088" 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fill="#f7dece"></path><path id="Path_66102" data-name="Path 66102" d="M397.086,78.762a.543.543,0,0,1-.44-.861,4.87,4.87,0,0,1,3.952-2.017,4.244,4.244,0,0,1,2.209.8.543.543,0,1,1-.633.883,3.178,3.178,0,0,0-1.642-.6,3.824,3.824,0,0,0-3.005,1.568A.543.543,0,0,1,397.086,78.762Z" transform="translate(-365.716 -48.915)" fill="#f7dece"></path><path id="Path_66103" data-name="Path 66103" d="M402.2,100.83a.542.542,0,0,1-.417-.194,4.4,4.4,0,0,0-1.7-1.244,4.478,4.478,0,0,0-2.851-.149.543.543,0,0,1-.29-1.047,5.574,5.574,0,0,1,3.551.19,5.479,5.479,0,0,1,2.124,1.552.543.543,0,0,1-.416.893Z" transform="translate(-365.715 -69.416)" fill="#f7dece"></path></g></svg></i><label class="jsx-4167583092 ">Saving Plan</label><span class="jsx-4167583092 journey-type-radio "></span></a>
</div>
<h1 class="jsx-4167583092 journey-title">Term Insurance Calculator</h1>
</div>
<div class="jsx-2962102733 md:w-1/2 md:mb-6 pt-6
md:px-3 px-4 w-full">
<div class="jsx-3431430834 floating-label-wrap text-sm"><input type="text" id="fullName" name="fullName" value="" autocomplete="off" placeholder="Full Name" maxlength=""
class="jsx-3431430834 border-inactive floating-label-field input placeholder-transparent gtm-fullname"><label for="fullName" class="jsx-3431430834 floating-label">Full Name*</label></div>
<p class="jsx-3431430834 suggestion undefined">* As per your ID proof</p>
<p id="inputError" class="jsx-3431430834 "></p>
</div>
<div class="jsx-2962102733 md:w-1/2 md:mb-6 pt-6
md:px-3 px-4 w-full">
<div class="jsx-3860164504 inline-popup-overlay">
<div class="jsx-3860164504 floating-label-wrap text-sm hideEmailBar"><input type="text" id="dob" name="dob" value="" placeholder="DD/MM/YYYY" maxlength="10" minlength="8" autocomplete="off" inputmode="numeric"
class="jsx-3860164504 floating-label-field input border-inactive jsx-2962102733 placeholder-transparent focus:placeholder-gray-600 gtm-dob"><label for="dob" class="jsx-3860164504 floating-label">Date of Birth*</label></div>
<p id="dobError" class="jsx-3860164504 "></p>
</div>
</div>
<div class="jsx-2962102733 md:w-1/2 md:mb-6 pt-6
width-nationality
md:px-3 px-4 w-full">
<div class="md:-mt-6 radio-group-container"><label for="citizenship" style="color:#6d7585" class="text-sm h-4 mb-2 font-family-bold">Are you an NRI?*</label>
<div class="border-gray-500 flex w-full error radio-group"><input type="radio" id="citizenship_indian" name="citizenship" value="indian" checked="" class="jsx-376343780 radio undefined gtm-citizenship"><label for="citizenship_indian"
style="min-height:2.625rem" class="jsx-376343780 corner-rounded label square-radio flex items-center relative null">
<div class="jsx-376343780 mx-auto custom-label"><span class="jsx-376343780">No</span></div>
</label><input type="radio" id="citizenship_nri" name="citizenship" value="nri" class="jsx-376343780 radio undefined gtm-citizenship"><label for="citizenship_nri" style="min-height:2.625rem"
class="jsx-376343780 corner-rounded label square-radio flex items-center relative null">
<div class="jsx-376343780 mx-auto custom-label"><span class="jsx-376343780">Yes</span></div>
</label></div>
<p class=" " id="radioError"></p>
</div>
</div>
<div class="jsx-2962102733 md:w-1/2 md:mb-6 pt-6
phone-number-container pt-6 non-nri-number
md:px-3 px-4 w-full">
<div class="jsx-2347541671 inline-popup-overlay">
<div class="jsx-2347541671 floating-label-wrap relative flex border bg-default rounded-lg align-middle py-1 px-4 border-inactive text-sm hidePhoneNumberBar
">
<div class="jsx-2971843919 custom-select-container">
<div class="jsx-2971843919 w-full relative flex"><button type="button" class="jsx-2971843919 selected-text phoneNumber-select 'borderLight' focus:outline-none cursor-pointer gtm-phonenumber"><span class="jsx-2971843919 "></span><span
class="jsx-2971843919 ml-2 mr-4 text-secondary chevron-icon"><i><svg xmlns="http://www.w3.org/2000/svg" width="8" height="4" viewBox="0 0 8 4"><path fill="#78849e" d="M77.285 385.549l4.033 4 3.967-4z" transform="translate(-77.285 -385.549)"></path></svg></i></span><span
class="jsx-2971843919 text-primary text-sm">+91</span></button></div>
</div><input type="text" id="mobile" name="phoneNumber" value="" pattern="[0-9]*" inputmode="numeric" autocomplete="off" maxlength="10"
class="jsx-2347541671 floating-label-field bg-transparent text-primary w-full px-2 text-sm jsx-2962102733 gtm-phonenumber"><label for="phoneNumber"
class="jsx-2347541671 floating-label text-inactive absolute top-0 bg-default px-2 truncate pb-1 rounded-lg">Mobile*</label>
</div>
<p id="phoneError" class="jsx-2347541671 "></p>
</div>
</div>
<div class="jsx-2962102733 w-full mx-auto pt-6
md:mb-6
md:px-3 px-4 w-full">
<div class="jsx-422906915 inline-popup-overlay">
<div class="jsx-422906915">
<div class="md:-mt-6 radio-group-container"><label for="annualIncome" style="color:#6d7585" class="text-sm h-4 mb-2 font-family-bold">Annual Income (In Lakhs)</label>
<div class="border-gray-500 flex w-full error radio-group"><input type="radio" id="annualIncome_lessThanThreeLacs" name="annualIncome" value="lessThanThreeLacs" class="jsx-376343780 radio hideZindex gtm-annualincome"><label
for="annualIncome_lessThanThreeLacs" style="min-height:2.625rem" class="jsx-376343780 corner-rounded label square-radio flex items-center relative false">
<div class="jsx-376343780 mx-auto custom-label"><span class="jsx-376343780"><3</span></div>
</label><input type="radio" id="annualIncome_threeToFiveLacs" name="annualIncome" value="threeToFiveLacs" class="jsx-376343780 radio hideZindex gtm-annualincome"><label for="annualIncome_threeToFiveLacs" style="min-height:2.625rem"
class="jsx-376343780 corner-rounded label square-radio flex items-center relative false">
<div class="jsx-376343780 mx-auto custom-label"><span class="jsx-376343780">3 - 5</span></div>
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Get ₹1 Crore Cover at just ₹666 ₹586 per month ** 12% Discount on first year premium ** T & C Applied TERM INSURANCE CALCULATOR Choose your plan Term InsuranceSaving Plan TERM INSURANCE CALCULATOR Full Name* * As per your ID proof Date of Birth* Are you an NRI?* No Yes +91 Mobile* Annual Income (In Lakhs) <3 3 - 5 5 - 7 7 - 10 >10 Calculate Now By submitting my details, I override my National Do Not Call Registry registration and authorize Max Life and its representatives to contact me through call, SMS, email, WhatsApp or any other mode. By choosing not to undergo the suitability analysis, you confirm to purchase the policy based on your independent assessment of suitability of the product and wish to bypass the suitability analysis. I hereby give my consent to Max Life Insurance to fetch my insurance history details from Insurance Information Bureau. Key Benefits of Our Term Insurance Plan Terminal Illness Coverage At Zero Additional Cost Add-On Coverage Against 64 Critical Illnesses@ Lumpsum Payout on diagnosis of critical illnesses Premium Break~ Option to skip a premium, after 10 policy years Income Tax Benefits Save upto Rs. 54,600 on taxes ~# Why Choose Max Life Insurance 99.51%*1 Claim Settlement Ratio 1 Day^* Claim Settlement 91.9%*2 Policy Renewal Rate 30 Days*3 Easy Refund 1.2 Lac Cr*4 Total Assets Managed 190%*5 Solvency Ratio 1.01 Cr*6 Lives insured so far Hassle Free Easy Payment What Our Customers Say About Us Varun Nema Age 33, New Delhi The reason I opted for Max Life was the highest claim settlement ratio and a dedicated claim settlement officer for the family. Along with that, the strong brand coherence among my friend circle and a strong word of recommendation. Honestly, the end to end assistance while applying for the policy, assistance with health check-up and timely updates did hold up to the high expectations and I am glad I went with Max Life. Anu Agrawal Age 32, Aligarh The claims paid ratio of Max Life Insurance got my attention. The policy purchase journey was quite easy and fast. I was assisted well by the policy advisor on the plan that suits me best. I'm very happy with the overall experience. Mohit Agrawal Age 31, Aligarh I bought Max Life Term Plan in 2021 and found the purchase journey very smooth as the policy got issued within 8 days. Also, Max has the highest claim settlement ratio which gave me comfort and trust on this brand. As far as the product is concerned, it has a very competitive pricing. Satyanarayana Gandhudi Age 42, Noida I liked the proper assistance as well as the guidance by tele caller during the online policy purchase process . Also i liked the claim settlement ratio of the company Views expressed are personal views of customers KNOW MORE ABOUT TERM INSURANCE PREMIUM CALCULATOR WHAT IS TERM INSURANCE PREMIUM CALCULATOR? A term insurance premium calculator is a freely available online tool that helps calculate the amount of premium that you need to pay for the desired insurance coverage and policy benefits. A term plan premium calculator takes various factors such as our age, current income, debts, marital status, health conditions, and the number of dependents as input to help you choose a term plan that best fit your needs and life goals. WHAT DOES A TERM PLAN CALCULATOR DO FOR YOU? Essentially, a term plan calculator helps you get an estimate of the insurance coverage that you would need to protect your loved ones financially and the premium payable. Ideally, the life insurance coverage should be large enough to secure your family's financial needs in case of an eventuality. On the other hand, the premium payable for the term plan coverage chosen should fall within your monthly budget. A term plan premium calculator provides the required premium amount payable for the selected insurance coverage amount, based on the following factors: Life Cover Amount Life cover amount is the amount insurance company will pay your family or nominee in case your demise occurs within the policy period. The recommended life cover amount to opt for should be at least 10times your annual income. Policy Term The policy term is the period for which the insurance plan provides you cover. In case of your unfortunate demise within this period, your family or nominee would receive the life cover amount. Flexibility to Choose Add-ons Riders are an add-on that you can choose while purchasing the term plan by paying an additional premium. These riders help provide benefits such as additional financial coverage over and above the life cover amount. FOLLOWING RIDER OPTIONS ARE AVAILABLE WITH MAX LIFE SMART SECURE PLUS PLAN: MAX LIFE CRITICAL ILLNESS AND DISABILITY RIDER (UIN: 104B029V03) With this Max Life policy rider, the benefit amount is paid as a lump sum upon diagnosis of any of the 40 specified critical illnesses, including cancer and cardiovascular diseases. Max Life Waiver of Premium Plus Rider (UIN: 104B029V03) In case you are unable to continue paying the Max life policy premium due to loss of income (because of accidental injury or life-threatening ailments), your future premiums Max term premiums will be waved while the policy benefits will continue as intended. Accidental Cover - Max Life Comprehensive Accident Death Benefit Rider (UIN: 104B025V03) The rider provides additional coverage to compensate for the loss of income due to temporary/permanent disability or death due to an accident. How to Use the Term Insurance Premium Calculator? Step 1 -To use the term insurance premium calculator, you need to provide the following details: Name, Gender, Date of Birth, Annual Income, Mobile number, E-mail ID, Lifestyle choices such as whether you are a smoker/non-smoker. Step 2 - Select the following values: Life cover amount, Policy tenure, Duration of premium payment, Premium payment mode (there are four premium payment modes - Annual, Half Yearly, Quarterly, and Monthly) Step 3 - Choose between the following rider add-ons (on payment of the additional premium) Accelerated Critical Illness (ACI) Benefit, Future Waiver of Premium, Accidental Cover. BENEFITS OF USING A TERM INSURANCE PREMIUM CALCULATOR Choose the Right Amount of Cover A term insurance premium calculator helps you choose the best term insurance plan in India in 2023 by providing an estimate of the life cover amount. This helps you cover your liabilities, your family's financial needs, and the premium payable under the insurance policy. The choice of coverage depends upon different factors such as your annual income, existing liabilities, marital status, and the number of dependents for even the best term insurance in India Cost-saving Using a term insurance premium calculator, you can opt for the highest possible life cover amount that suits your budget. Given the fact that investing in life insurance is a life-long commitment, you do not want to end up purchasing a term insurance plan that offers sub-par financial protection or for which you are unable to sustain the payment of future premiums. In simple terms, you can opt for the best term plan in 2023 to avail the maximum insurance coverage and plan benefits at the best possible rate of premium. HOW DOES THE TERM INSURANCE CALCULATOR WORK? (BACKEND CALCULATION ON MORTALITY) Just like any other sector, life insurance, too has its own set of terms that you need to understand. One such term is the Mortality Charge. When you purchase a life insurance plan, the insurance company levies a charge to cover the expenses for providing insurance protection upon death. This levied charge is known as the mortality charge. 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 on 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 considered lower for younger, healthier individuals who do not work in a high-risk job profile. Therefore, the term insurance premium rates vary with age. EFFECTIVENESS OF MAX LIFE TERM PLANS The primary purpose of term insurance, Max life smart secure plus plan, is to provide all-around financial security to your loved ones, helping them to take care of their lifestyle expenses and goals. In case of your untimely demise within the policy period, the insurance company shall settle your claim and provide the insurance coverage amount to your family. There are, however, several instances where your claim settlement may get delayed due to reasons such as incomplete paperwork, lack of communication in terms of claim submission, or misrepresenting of claim aspects. Any delays in setting the insurance claim will only add to the emotional turmoil of the grieving family. Max Life Insurance understands your concerns. To show their commitment towards swift and effective claim settlement; therefore, Max Life Insurance endeavors claim settlements within a day after receiving them, under the InstaClaimTM process.. InstaClaimTM is subject to the following conditions: > The claim amount on all eligible policies^ should be up to one crore > The policy should have completed three continuous years > All the necessary policy documents# must be submitted before 3 PM on a working day > Claim does not warrant field verification Herein, a dedicated Claim Settlement Officer will be assigned to your family, who would initiate the claim submission process and handhold your family through the nuances of claim settlement and ensure quick claim processing and disbursal. What Factors Determine Your Term Plan Premium? Age, Gender, Occupation, Geographical location, Height and Weight, Lifestyles habits (smoking, tobacco use, alcohol consumption), Medical history of you and your family, Sports and Hobbies, Plan you have opted for, Period of coverage you have chosen etc. All these factors and other decisions that you have made in your life can significantly affect the amount of premium you have to pay. WHAT IS THE IMPACT OF PREMIUM CALCULATION ON SMOKERS? Smoking can increase your chances of developing life-threatening ailments such as lung cancer or throat cancer. Insurance companies; therefore, categorize smokers as high-risk and ask them to pay higher premiums. If you smoke regularly or have been consuming any tobacco product for 12 months before purchasing term insurance, you will be considered a high-risk asset by the insurance company and will have to pay a higher premium amount than non-smokers. WHY OCCUPATION IMPACTS TERM INSURANCE PREMIUM CALCULATION? Your occupation also plays an integral part in determining your term insurance premium amount. Insurer categorizes some professions as high risk than others, such as defense, aviation, oil, and coal mining. On the other hand, individuals working in offices with a desk job, IT professionals, shop owners, and teachers are a low-risk asset. Generally, people working in safer environments may pay a lower premium than those working in a high-risk work environment. Example of other calculators you may want to use Human Life Value Calculator2 > It calculates the life cover based on your expenses and savings > You can choose riders to avail additional financial protection, over and above your basic life cover by paying an additional premium BMI (Body Mass Index) Calculator5 > It calculates your body mass index with the help of your height and weight. > BMI is a vital factor because the fitter you are your chances of living a healthy life is much higher Mortality Risk Calculator3 > The mortality risk calculator reflects the effect of your choices on your life, based on your exercise routine, food intake, lifestyles habits, and general health conditions. > It draws an approximate picture of the risk your life is prone to > You must fill day to day information of your lifestyle, daily routine, and your family's health background > It calculates mortality risk, lower the risk better it is Retirement Planning Calculator4 > It calculates your current age and your planned retirement age and then asks for your monthly expenses and your savings for life after retirement > Based on this information, it calculates whether you are covered or not Source: 1- https://www.actuariesindia.org/subMenu.aspx?id=191 & val=Mortality_Table & AspxAutoDetectCookieSupport=1 2- https://www.maxlifeinsurance.com/online-insurance-plans/insurance-calculators/human-life-value-calculator 3- https://www.maxlifeinsurance.com/insurance-calculators/mortality-risk-calculator 4- https://www.maxlifeinsurance.com/power-of-compounding-calculator 5- https://www.maxlifeinsurance.com/insurance-calculators/bmi-calculator ^ InstaClaimTM is available for all versions of Max Life Smart Secure Plus Plan (UIN: 104N118V07)#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); 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) FREQUENTLY ASKED QUESTION Q. HOW DO I GET MAX LIFE EQUOTE FOR TERM INSURANCE? To get a free Max Life equote for Term Insurance, simply log on to Max Life’s website and enter your basic details like name, date of birth, gender, smoking status, and mobile number and then click on the Check Premium button to obtain your free max life quote for term plan. Q. CAN I PURCHASE A TERM PLAN WHEN I ALREADY HAVE A LIFE INSURANCE PLAN? A. Yes, you can purchase a term plan even if you already have a life insurance plan, considering the insurance needs of your family. WHAT ARE THE KEY FACTORS THAT AFFECT MY TERM INSURANCE PREMIUM CALCULATION? Here’s a list of factors that affect the calculation of your term insurance premium: * Age * Gender * Occupation * Smoking habits * Lifestyle habits * Current health status * Selected sum assured * Premium payment term Q. HOW DOES MY AGE AFFECT MY TERM INSURANCE PREMIUM CALCULATION? A. Age is one of the key factors that affect your term insurance premium. This is because, when you are young, you are at a lower risk of contracting health issues than you will be later in life. Hence, the earlier you buy a term plan, the lower the premium you will pay for it. Q. WHAT IS TERM INSURANCE MAX AGE LIMIT? A. The maximum age to purchase Max Life Smart Secure Plus Plan is 60 years. In this case, the coverage is offered till the age of 75 years. Q. HOW DOES MY OCCUPATION IMPACT MY TERM INSURANCE PREMIUM? A. Although your occupation is a relatively small factor affecting your term insurance premium, it can impact the life coverage you seek. Moreover, high-risk occupations invite higher premiums than others to avail the same coverage. Q. HOW DOES MY SMOKING HABIT AFFECT MY TERM INSURANCE PREMIUM? A. Smoking causes cancer and heart diseases in individuals over the years. In other words, smokers and tobacco users are more prone to developing these life-threatening diseases than others. Therefore, the term insurance premium for smokers is typically higher than that for non-smokers. It is recommended that you disclose all your lifestyle habits to your insurer while purchasing a term plan. Q. HOW TO CHECK MAX LIFE POLICY STATUS? A. Follow the below steps to check Max Life Policy Status: 1. 1.Go to Max Life Online (https://www.maxlifeinsurance.com/) and click on the Customer Login option on the header menu. 2. 2.On the login page, click on Track Application link given on the login form. 3. 3. 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. 4. 4.Once you log in, you can check the status of your Max Term Policy. CUSTOMER SERVICE Customer LoginPay Premium OnlineTrack Applications Download Premium Receipts Premium Payment Options DISCLAIMERS 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):U74899PB2000PLC045626. Trade logo displayed belongs to Max Financial Services Ltd. and Axis Bank Ltd. respectively and with their consents, are used by Max Life Insurance Co. Ltd All Rights Reserved. An ISO 9001:2008 Certified Company. Max Life Insurance Company Limited is a Joint Venture between Max Financial Services Limited and Axis Bank Limited. Corporate Office : Max Life Insurance Co. Ltd. 11th Floor, DLF Square Building, Jacaranda Marg, DLF City Phase II, Gurugram (Haryana) - 122002. Operation Center: Max Life Insurance Co. 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@maxlifeinsurance.com; Website: www.maxlifeinsurance.com *Life insurance coverage is available in this product. For more details on risk factors, Terms and Conditions please read the prospectus carefully before concluding a sale. You may be entitled to certain applicable tax benefits on your premiums and policy benefits. Please note all the tax benefits are subject to tax laws prevailing at the time of payment of premium or receipt of benefits by you. Tax benefits are subject to changes in tax laws. Trade logo displayed belongs to Max Financial Services Ltd. and Axis Bank Ltd. respectively and with their consents, are used by Max Life Insurance Co. Insurance is the subject matter of solicitation. For more details on the risk factors, Terms and Conditions, please read the sales and rider prospectus carefully before concluding a sale. Tax benefits are eligible for tax exemption on fulfilling conditions mentioned under Section 10(10D) of income tax act 1961. Tax exemptions are as per our understanding of law and as per prevailing provisions of income tax at 1961 . Policy holders are advised to consult tax expert for better clarification /interpretation. Please note that all the tax benefits are subject to tax laws at the time of payment of premium or receipt of policy benefits by you. Tax benefits are subject to changes in tax laws. The monthly Income Benefit and Terminal Benefit may be taxable subject to extra premium being loaded at underwriting stage. Privacy Policy **Standard Premium For 20-Year Old Healthy Male, Non-Smoker, 25 Years Policy Term, 25 Year Premium Payment Term (exclusive of GST) for Max Life Smart Secure Plus Plan (UIN: 104N118V08) ^^On completion of policy term #The savings indicated is the maximum premium difference as compared with offline plan & depends on the variant purchased. ^*An accelerated benefit of 2 Lakhs out of base sum assured shall be payable within 1 working day from claim registration date provided mandatory documents are submitted and the subsequent pay out shall be made after the claim is approved. 7CMO Asia BFSI Excellence Award 2019 5Criteria applicable only for “Term plans” for Graduate, Indian resident with declared income >= 10 lacs with CIBIL score >= 650 (salaried) and >= 700 (self-employed) with no disclosed medical condition Tax conditions: ##Save 46,800 on taxes if the insurance premium amount is Rs.1.5 lakh per annum and you are a Regular Individual, Fall under 30% income tax slab having taxable income less than Rs. 50 lakh and Opt for Old tax regime ~#Save 54,600 on taxes if the insurance premium amount is Rs.1.5 lakh per annum for life cover and 25,000 for critical illness cover and you are a Regular Individual, Fall under 30% income tax slab having taxable income less than Rs. 50 lakh and Opt for Old tax regime. Disclaimer for 12% salaried discount First year discount of 12% is applicable if you are a salaried employee with a corporate purchasing Max Life Smart Total Elite Protection Term Plan or Max Life Smart Secure Plus Plan. During policy issuance, Max Life may call for proof of employment if required. In case proposer when asked is not able to provide the employment part, discount offer will discontinue and additional premium as applicable will have to be paid for processing the case. CI Rider disclaimers: MAX LIFE CRITICAL ILLNESS AND DISABILITY RIDER (UIN- 104B033V01) available as a rider on payment of additional premium. >Extended cover of up to 85 years is available with gold and platinum variant only @64 critical illnesses covered in platinum and platinum plus variant on payment 22 critical illnesses covered in gold and gold plus variant 6The life insurer is eligible for a discount on renewal premium under regular pay variant by accumulating Healthy Weeks as per terms and conditions of the rider *^Total premiums paid inclusive of any extra premium but exclusive of all applicable taxes, cesses or levies and modal extra. Return of premium option is available on payment of additional premium. Max Life Smart Secure Plus Plan (UIN: 104N118V08) A Non Linked Non Participating Individual Pure Risk Premium Life Insurance Plan ~Conditions for premium break:Available at an additional premium for policies with policy term greater than 30 years and premium payment term greater than 21 years. Option to skip paying premium for 12 months. 2 premium breaks will be available during the premium payment term separated by an interval of at least 10 years ~1Conditions for Special exit value: Option to receive all premiums paid back, at a specified point in the term of the policy (free of cost). Available when Return of premium variant is not chosen. No additional premium to be paid. Option to receive all premiums back (exclusive of GST). Flexibility of exiting the plan early. Special Exit Value cover applicable till age 68 & above (of your age). T&C Apply ~2Voluntary Top-up Sum assured: Option to double your insurance cover, basis underwriting, at the time of your need by increasing your sum assured up to an additional 100% of base sum assured, chosen at inception *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. ^*^^Source : Individual Death Claim Paid Ratio as per Audited Financials for financial year 2022-2023 8https://www.moneycontrol.com/news/business/economy/buy-term-insurance-now-as-rates-may-rise-from-april-1-4930921.html 2Total premium will be charged at the time of the policy issuance (subject to underwriting’s decision). Terms and conditions for availing 5% employee discount: <Due to system constraints, employee is requested to select 5 Lakh and above income which can be changed to actual amount on the information page. 1The 5% employee discount will be refunded to you once your policy is issued. Submit your documents for getting your policy issued and get 5% employee discount 9The percentage savings is for a regular pay Max Life Smart Secure Plus Plan ( A Non Linked Non Participating Individual Pure Risk Premium Life Insurance Plan, UIN - 104N118V08)– Life Option for 1 cr life cover for a 35 year old, non-smoker male for a policy term of 40 years vs a 10 year policy term with the same details’ Max Life Saral Jeevan Bima (UIN 104N117V01) is a Non-Linked Non-Participating Individual Pure Risk Premium Life Insurance Plan ^*^* Base Sum Assured chosen at inception increases by 5% p.a. (simple interest) on each policy anniversary, subject to maximum of 200% of Base Sum Assured chosen at inception. @@Monthly premium of Rs.604/month divided by 30 daysto get daily premium for healthy non-smoking male, 24 years, 1Cr cover, 25 years policy term, 25 years premium payment term, sxclusive of GST rounded off to nearest integer ~@Age 30: Standard premium for 30 year old Healthy male, 1Cr life cover, 25 years policy term, 25 years premium payment term (exclusive of GST) for Max Life Smart Secure Plus Plan (UIN: 104N118V08) Age 35: Standard premium for 35 year old Healthy male, 1Cr life cover 25 years policy term, 25 years premium payment term (exclusive of GST) for Max Life Smart Secure Plus Plan (UIN: 104N118V08) ~Conditions for premium break: Available at a nadditional premium for policies with policy term greater than 30 years and premium oayment term greater than 21 years. Option to skip paying premium for 12 months. 2 Premium breaks will be available during the premium payment term seperated by an interval of atleast 10 years. ~1Conditions for Special exit value: Option to receive all premiums paid back, at a specified point in the term of the policy (free of cost). Available when Return of Premium variant is not chosen. No additional premium to be paid.^*All claims that qualify for InstaClaim will be paid within 1 working day from the date of submission of all mandatory documents else Max Life will pay interest at prevailing Bank Rate as on beginning of Financial Year in which claim has been receivedfor 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). ~2 Option to double your insurance cover basis underwriting at the time of your need by increasing your sum assured up to an additional 100% of base sum assured chosen at inception. | Max Life Smart Secure Plus Plan. A non-linked non-participating individual pure risk premium life insurance plan | ^2 Max Life Smart Secure Plus Plan, A non-linked non-participating Individual Pure Risk Premium Life Insurance Plan. ~1 Conditions for special exit value: Option to receive all premiums paid back, at a specified point in the term of the policy (free of cost). Available when Return of premium variant is not chosen. No additional premium to be paid. Option to receive all premiums back (exclusive of GST). Flexibility of exiting the plan early. Special Exit Value cover applicable till age 68 & above (of your age). T&C Apply Max Life Smart Flexi Protect Solution. This solution is a combination of benefits of two or more individual and separate products named Max Life Flexi Wealth Plus Plan (A Unit-linked, Non-participating Individual Life Insurance Plan | UIN: 104L115V03) and Max Life Critical Illness and Disability Secure Rider (A Unit-linked, Non-participating Individual Pure Risk Premium Health Insurance Rider | UIN: 104A034V01). Rider addition is optional for customers purchasing online. Max Life Smart Total Elite Protection Term Plan A Non Linked Non Participating Individual Pure Risk Premium Life Insurance PlanUIN: 104N125V04 *Standard Premium for 24 Year Old Healthy Male, non-smoker, 25 Years Policy Term, 25 Year Premium Payment Term (exclusive of GST) for Max Life Smart Total Elite Protection Term Plan with a life cover of Rs. 2 Cr. ~Standard premium for 24-year old healthy male, non-smoker, 25 years policy term, 25 year premium payment term (exclusive of GST) for Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V04) with a life cover of Rs. 5 Cr. Special Exit Value ~1Get 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. Cover Continuance Benefit .#The cover continuance benefit allows policyholders to defer premium for one year while maintaining full death benefit coverage without late fees or interest. This option can be exercised after completion of 3 policy years provided all due premiums have been paid and the policy is in-force. The policyholder needs to intimate the company 30 days (15 days in case of monthly mode) to exercise this benefit. The duration of Cover Continuance Benefit shall be consecutive 12 policy months from the date of first unpaid premium (post intimation) and this feature can be availed multiple times with a gap of 5 policy years from the expiry date of previous Cover Continuance Benefit. At the end of Cover Continuance Benefit period, the policyholder is required to pay the due premiums, including the premium applicable for the period of CCB, without late fee or interest. ** Disclaimer | Max Life Smart Secure Plus Term Plan. 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 (exclusive of GST) for 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, Max life may call for proof of employment if required. In case proposer when asked is not able to prove the employment part, discount offer will be discontinued and additional premium as applicable will have to be paid for processing of the case *** Disclaimer: Max Life’s Nifty Alpha 50 Fund tracks the NSE’s Nifty Alpha 50 Index, subject to tracking error. The above values have been calculated by projecting historical returns of the Nifty Alpha 50 index, after adjusting for all expenses involved in purchasing combo of Max Life’s Smart Wealth Advantage Guarantee + Online savings plan (variant 1),except tracking error, for a 35-year-old male investing 10k per month for 10 years and maturity after 20 years. The calculations have been done using historical returns of the Nifty Alpha 50 index and may not be indicative of the future performance of Max Life’s Nifty Alpha 50 Fund. The above values have been calculated basis 10 year returns of 26.4% (30th Apr’24) of the Nifty Alpha 50 Index. Insta payment on claim intimation ^This feature is applicable after a waiting period of 1 year from the date of policy issuance or revival. An accelerated benefit of 2 Lac, from the base sum assured will be paid to the nominee within 1 working day of claim intimation, provided all required documents are submitted and the claim gets approved. In case of claim repudiation, the amount shall be recovered from the nominee. For detailed terms & conditions, refer to the scheme brochure & the policy document. ARN -ARN:Web/20042024/SSPP-STEP/RC 11Though medical tests are at company cost, there are some high level tests for reconsideration which if approved by underwriting, cost needs to be borne by customer. 12Subject to policy terms and conditions . Issuance of policy is subject to underwriting guideline *1Individual Death Claim Paid Ratio as per Audited Financials for FY 2022-2023 *2Max Life Annual Audited Financials, FY 22-23 *4Max Life Public Disclosure, FY 2022-23 *5Max Life Public Disclosure, FY 2022-23 *6As per Max Life internal data since inception Total Amount Payable * • SSPP (1 Crore) - Premium- 586/Month - Total Amount Payable in 25 years is 1.98 Lakhs * • SSPP (1 Crore) Free Of Cost - Premium- 609/month - Total Amount Payable in 40 years is 3.01 Lakhs * • STEP (2 Crore) - Premium- 888/month - Total Amount Payable in 25 years is 3.31 Lakhs * • STEP (2 Crore) Free Of Cost - Premium- 951/month - Total Amount Payable in 40 years 5.17 Lakhs Corporate Office : Max Life Insurance Co. Ltd. 11th Floor, DLF Square Building, Jacaranda Marg, DLF City Phase II, Gurugram (Haryana) - 122002