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हालांकि, एक नॉर्मल या बेसिक टर्म प्लान के विपरीत, टर्म इंश्योरेंस का ROP वैरियंट पॉलिसीहोल्डर द्वारा मैच्योरिटी के समय भुगतान किया गया संपूर्ण प्रीमियम प्रदान करता है। साथ ही, प्लान कवरेज के लिए भुगतान किया गया प्रीमियम इनकम टैकस ऐक्ट 1961 के तहत धारा 80C के तहत टैक्सेशन (कराधान) से मुक्त है।
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POPULAR SEARCHES : Best Term Insurance | Term Insurance Premium Calculator | Online Term Insurance Policy | Smart Term Plan | Critical Illness policy | Term Insurance with Return of Premium | ULIP Saving Plan | Why Should Consider Claim Settlement Ratio | Tax Benefits of Term Insurance | Term Insurance Features | What is Term Insurance | Term Insurance vs Whole Life Insurance | Best Life Insurance Policy | Insurance Calculator India | Online Insurance Plan | Child Insurance Policy | Retirement Scheme | Best Saving Plans | Group Insurance | Health Insurance Policy | Best Investment Plan | Best Ulip Plan in India | Tax Saving | Income Tax Calculator | ULIP Calculator | Cancer Insurance Policy | Become an agent | Disability Insurance | 2 Crore Term Insurance | 5 Crore Term Insurance
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Unit Linked Insurance Products (ULIPs) are different from the traditional insurance products and are subject to the risk factors. The premium paid in the Unit Linked Life Insurance Policies is subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. Max Life Insurance is only the name of the insurance company and Max Life Online Savings Plan (UIN: 104L098V06) is only the name of the unit linked life insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns. Please know the associated risks and the applicable charges from your Insurance agent or the Intermediary or policy document of the insurer. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these funds, their future prospects or returns.
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Applicable for Titanium variant of Max Life Smart Fixed-return Digital plan (Premium payment of 5 years and Policy term of 10 years) and a healthy male of 18 years paying Rs. 20,000/- per month (exclusive of all applicable taxes) with 7.50% return. Life Insurance is available with this product.
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Secure your future with assured financial support and guaranteed savings plan
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~Accidental death benefit is available in call variants except for Single premium variant. Life insurance coverage is available in this product.
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कई पॉलिसी खरीदार टर्म प्लान खरीदने से हतोत्साहित होते हैं, क्योंकि इसमें कोई मैच्योरिटी बेनिफ़िट नहीं होता है। पेश है Max Life स्मार्ट सिक्योर प्लस प्लान (नॉन लिंक्ड नॉन पार्टिसिपेटिंग इंडिविजुअल प्योर रिस्क प्रीमियम लाइफ इंश्योरेंस प्लान | UIN104N118V06)। एक पॉलिसी जो एक विकल्प के रूप में उपलब्ध रिटर्न ऑफ़ प्रीमियम वाले टर्म प्लान का विकल्प प्रदान करती है। ROP (रिटर्न ऑफ़ प्रीमियम बेनिफ़िट वाले टर्म इंश्योरेंस) के पॉलिसीहोल्डर निश्चिंत हो सकते है।
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**Healthy non-smoking male, 24 years, 2 cr cover,25 years policy term,25 year premium payment term, exclusive of GST for Max Life Smart Secure Plus Plan (UIN:104N118V09)
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पारंपरिक टर्म इंश्योरेंस प्लान की तुलना में, टर्म विद रिटर्न ऑफ़ प्रीमियम (या TROP) विकल्प कवरेज अवधि की मैच्योरिटी पर, सालाना प्रीमियम की कुल राशि {टैक्स को छोड़कर^} का भुगतान करने का ऑफ़र करता है। यह TROP फीचर का सबसे स्पष्ट समर्थक है। तथ्य यह है कि यदि आप पॉलिसी अवधि में जीवित रहते हैं, तो आपको अपना पैसा वापस मिल जाता है, रिटर्न ऑफ़ प्रीमियम प्लान विशेष रूप से उन लोगों को आकर्षित करती है जो इंश्योरेंस कवरेज चाहते हैं, लेकिन कम जोखिम सहनशीलता रखते हैं। इसके अलावा, आप कई अन्य पॉलिसी बेनिफ़िट (नीतिगत लाभों) का भी फ़ायदा उठा सकते हैं जैसे कि एक्सीडेंटल डेथ (आकस्मिक मृत्यु) और डिसेबिलिटी (अंग-विच्छेद), क्रिटिकल इलनेस (गंभीर बीमारियों) और टैक्स बेनिफ़िट ( कर कटौती और छूट दोनों) से सुरक्षा। इस प्रकार, टर्म प्लान विद रिटर्न ऑफ़ प्रीमियम विकल्प निश्चित रूप से अपनी कीमत के लायक हैं।
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Max Life Insurance Company Limited is a Joint Venture between Max Financial Services Limited and Axis Bank Limited.
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जब कोई व्यक्ति रिटर्न ऑफ़ प्रीमियम वाला कोई स्टैंडर्ड इंश्योरेंस प्लान या टर्म प्लान खरीदता है, तो प्राथमिक उद्देश्य लाइफ़ कवर होता है। वे अप्रत्याशित परिस्थितियों में अपनी फ़ैमिली के लिए एक फ़ाइनेंशियल ढाल बनाना चाहते हैं।
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रिटर्न ऑफ़ प्रीमियम विकल्प वाले टर्म इंश्योरेंस प्लान में कोई जटिलता नहीं है। इसके विपरीत, रिटर्न ऑफ़ प्रीमियम विकल्प के साथ टर्म इंश्योरेंस प्लान पॉलिसी अवधि के भीतर आपकी असामयिक मृत्यु के मामले में फ़ाइनेंशियल सहायता प्रदान करता है। इसके अलावा, ये प्लान कुल प्रीमियम का 100% पे बैक करने का भी ऑफ़र करते हैं जो आप कवरेज अवधि तक जीवित रहने की स्थिति में प्लान के लिए भुगतान करते हैं।
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Calculate necessary coverage amount as per your demands to secure your family
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^3Standard 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 Plan (UIN:104N125V05) with a life cover of Rs. 1 Cr.
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टर्म इंश्योरेंस के बीच टर्म इंश्योरेंस एक लोकप्रिय विकल्प है। यह एक साधारण योजना है जो एक निश्चित अवधि के लिए फ़ाइनेंशियल कवरेज प्रदान करती है। हालांकि बेसिक टर्म इंश्योरेंस प्लान अधिकांश व्यक्तियों के लिए अत्यधिक फायदेमंद हो सकता है, प्रीमियम की वापसी वाला टर्म इंश्योरेंस इससे अधिक लाभ प्रदान कर सकता है। प्रीमियम की वापसी वाला टर्म प्लान सामान्य टर्म प्लान के समान ही होता है। हालांकि, एक विशेषता जो इसे नियमित टर्म बीमा प्लान से अलग करती है, वह है सरवाइवल बेनिफ़िट (उत्तरजीविता लाभ)। पॉलिसीहोल्डर सरवाइबल बेनिफ़िट प्राप्त कर सकते हैं और इंश्योरर को भुगतान किए गए प्रीमियम (GST को छोड़कर) वापस प्राप्त कर सकते हैं। इस प्लान से जुड़े कुछ अन्य ऐड-ऑन बेनिफ़िट में डिसेबिलिटी बेनिफ़िट (विकलांगता लाभ), एक्सीडेंटल डेथ बेनिफ़िट (आकस्मिक मृत्यु लाभ) और क्रिटिकल इलनेस (गंभीर बीमारी) से सुरक्षा शामिल हैं।
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उदाहरण - मान लीजिए कि आपने 30 साल की पॉलिसी अवधि के साथ 25,000 रुपये सालाना (GST को छोड़कर)* के प्रीमियम पर 1 करोड़ रुपये के रिटर्न ऑफ़ प्रीमियम वाले टर्म इंश्योरेंस प्लान खरीदा है। पॉलिसी खरीदने के 30 साल के भीतर (यानी, पॉलिसी अवधि) आपकी मृत्यु होने के केस में, आपकी फ़ैमिली को 1 करोड़ रुपये का सम एश्योर्ड प्राप्त होगा।
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Max Life Insurance Co. Ltd, Plot No. 90C Udyog Vihar, Sector 18, Gurugram (Haryana) - 122015.
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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
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Max Life Online Savings Plan is a Unit Linked Non Participating Individual Life Insurance Plan (UIN104L098V06)
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i. सरेंडर बेनिफ़िट (या अर्ली एक्जिट वैल्यू) सिर्फ़ बेस डेथ बेनिफ़िट कवर के लिए लागू होता है, न कि एड-ऑन विकल्पों जैसे एक्सेलेटेड क्रिटिकल इलनेस बेनिफ़िट (त्वरित गंभीर बीमारी लाभ) विकल्प या एक्सीडेंट कवर विकल्प पर। ii. सरेंडर बेनिफ़िट (या अर्ली एग्जिट वैल्यू) तभी देय होगा जब पॉलिसी ने सरेंडर वैल्यू (या अर्ली एग्जिट वैल्यू) हासिल कर ली हो।
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आप प्रीमियम की किस्तों का भुगतान एक निश्चित नंबर यानी 5 भुगतान, 10 भुगतान, 12 भुगतान या 15 भुगतान करते हैं।
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एक अविवाहित व्यक्ति के रूप में, आपके माता-पिता की वित्तीय जिम्मेदारियां हो सकती हैं, खासकर यदि वे सेवानिवृत्त हैं। यदि आपके पास प्रीमियम की वापसी के साथ एक टर्म प्लान है, तो परिपक्वता लाभ सुनिश्चित करता है कि उन्हें किसी भी तरह से बड़ी राशि प्राप्त हो। आपकी मृत्यु के दुर्भाग्यपूर्ण मामले में, मृत्यु लाभ के साथ उनके खर्चों का ध्यान रखा जाएगा। आपको मन की शांति मिलेगी कि वे आपके आस-पास न होने पर भी आर्थिक रूप से स्वतंत्र रहेंगे। पॉलिसी के जीवित रहने की स्थिति में, आप TROP अवधि के दौरान भुगतान किए गए प्रीमियमों को वापस पाने की संतुष्टि प्राप्त कर सकते हैं।
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8Available with Max Life Smart Fixed-return Digital Plan (UIN:104N123V05). The guaranteed benefits are available with selected life insurance plans & are applicable if all due premiums are paid.
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1. आपके दुर्भाग्यपूर्ण मृत्यु के केस में, आपकी फ़ैमिल को रिटर्न ऑफ़ प्रीमियम विकल्प वाले टर्म इंश्योरेंस प्लान से डेथ बेनिफ़िट (मृत्यु लाभ) के रूप में एक महत्वपूर्ण फ़ाइनेंशियल सहायता प्राप्त होगी।
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*^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.
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माता-पिता के पास अपने बच्चों की भलाई के लिए फ़ाइनेंशियल जिम्मेदारियों का एक व्यापक सेट होता है। उनकी शादी, उच्च शिक्षा और जीवन के अन्य लक्ष्यों के लिए सेविंग करना आपकी इन्वेस्टमेंट प्लान का एक महत्वपूर्ण पहलू है। यदि आप फ़ैमिली के एकमात्र कमाने वाले मेंबर हैं, तो आपके पति या पत्नी और बच्चों की भलाई पर भी विचार किया जाना चाहिए। वर्तमान खर्चों का प्रबंधन करना और भविष्य के लिए एक बड़ी राशि अलग रखना आपकी जेब पर भारी पड़ सकता है। इसलिए, रिटर्न ऑफ़ प्रीमियम वाले टर्म प्लान के साथ मैच्योरिटी बेनिफ़िट का आश्वासन मददगार हो सकता है।
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ROP के साथ टर्म इंश्योरेंस प्लान वर्तमान टैक्स नियमों के अनुसार टैक्स बेनिफ़िट प्रदान करता है। इस प्रकार, पॉलिसी के लिए भुगतान किया गया प्रीमियम और निकाली गई बेनिफ़िट अमाउंट इनकम टैक्स ऐक्ट 1961 की धारा 80C और 10(10D) के तहत टैक्स-फ़्री है। इसलिए, आप रिटर्न ऑफ़ प्रीमियम वाले टर्म प्लान में इन्वेस्ट किए गए प्रीमियम पर 1.5 लाख रुपये तक की टैक्स कटौती का लाभ उठा सकते हैं। कुल मिलाकर, यदि आप सर्तक पॉलिसीहोल्डर हैं, तो आप अपनी टैक्स देयता को काफी कम करने के लिए टर्म प्लान के लिए भुगतान किए गए प्रीमियम का इस्तेमाल कर सकते हैं।
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IRDAI - Registration No. 104. ARN/Web/01/21042021 Category: Life. Validity: Valid. Corporate Identity Number (CIN):U74899PB2000PLC045626.
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~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
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आम तौर पर, भारत में ज्यादातर लाइफ़ इंश्योरेंस कंपनियां रिटर्न ऑफ़ प्रीमियम बेनिफ़िट ऑफ़र करती हैं।
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यदि आप एक विवाहित व्यक्ति हैं, तो आप प्रीमियम की वापसी के साथ एक टर्म प्लान पर भी विचार कर सकते हैं। यदि आपका जीवनसाथी पूरी तरह से आपके इनकम सोर्स पर निर्भर है, तो TROP आपके लिए काम कर सकता है। आप उनके भविष्य को किसी भी घटना से सुरक्षित करने के लिए उनके लिए फ़ाइनेंशियल सपोर्ट सिस्टम बना सकते हैं। पॉलिसी अवधि के अंत में दिया जाने वाला मैच्योरिटी बेनिफ़िट एक बोनस होगा।
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^*Disclaimer: Applicable for Titanium variant of Max Life Smart Fixed-return Digital (Premium payment of 5 years, Policy term of 10 years) and a healthy female of 18 years old paying Rs.3,60,000/- annually (exclusive of all applicable taxes)
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1 The 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
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आइए, रिटर्न आफ़ प्रीमियम वाले टर्म प्लान के बेनिफ़िट पर करीब से नज़र डालते हैं:
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6Applicable for Titanium variant of Max Life Smart Fixed-return Digital plan (Premium payment of 5 years and Policy term of 10 years) and a healthy male of 18 years paying Rs. 20,000/- per month (exclusive of all applicable taxes) with 7.50% return. Life Insurance is available with this product.
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3The discount is applicable if you are a salaried employee with a corporate. 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.
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इतना ही नहीं, यदि आप पॉलिसी की अवधि तक जीवित रहते हैं तो भुगतान की गई प्रीमियम की कुल राशि {टैक्स को छोड़कर और राइडर के लिए भुगतान की गई राशि को छोड़कर} ^ पॉलिसी की मैच्योरिटी पर आपको वापस कर दी जाएगी। यह मैच्योरिटी अमाउंट इनकम टैक्स ऐक्ट 1961 की धारा 10(10D) के तहत टैक्स-फ़्री है।
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Systematic savings, tailored as per your future goals and risk tolerance.
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Max Life इंश्योरेंस कंपनी से ROP बेनिफ़िट के साथ टर्म इंश्योरेंस खरीदना बहुत ही आसान और झंझट रहित है। टर्म प्लान खरीदते समय आप ROP वैरिएंट के साथ टर्म प्लान का विकल्प चुन सकते हैं। यहां हमारी लाइफ़ इंश्योरेंस प्लान के कुछ हॉलमार्क दिए गए हैं:
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maxlifeinsurance.com
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For Riders -#Applicable Rider available on the payment of Additional Premium is Max Life Critical Illness and Disability Rider | Non-Linked Non-Participating Individual Pure Risk Premium Health Insurance Rider |UIN: 104B033V01 . Critical Illness and Disability Rider variant opted is Platinum Plus which covers 64 critical Illnesses. The rider cover will only be paid in scenarios where customer is diagnosed with listed 64 critical illnesses or total and permanent disability. Rider will terminate after major critical illness claim is paid to the policyholder. In case customer requests for cancellation of rider only, the solution as a whole will be cancelled and not just the individual rider.
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maxlifeinsurance.com
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Max Life Smart Wealth Plan| A Non-Linked, Non-Participating, Individual Life Insurance Savings Plan| @Rs.9,68,800/- as lump sum at the end of 15 years, for 35 years old healthy male.
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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 - 104N118V09)– 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’
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2Total premium will be charged at the time of the policy issuance (subject to underwriting’s decision).
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आप ऑनलाइन तुलना कर सकते हैं कि कौन-सा प्लान आपको सबसे अच्छा लगता है। Max Life के टर्म इंश्योरेंस प्लान लेने के कुछ बेनिफ़िट हैं:
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4. नॉमिनी (नामिती) व्यक्ति को दिया गया डेथ बेनिफ़िट (मृत्यु लाभ) टैक्स-फ़्री है और रिटर्न ऑफ़ प्रीमियम विकल्प के साथ टर्म इंश्योरेंस प्लान के तहत प्राप्त मैच्योरिटी बेनिफ़िट इनकम टैक्स ऐक्ट 1961 की धारा 10(10D) के तहत टैक्स-फ़्री है।आप आकस्मिक मृत्यु, जानलेवा बीमारियों आदि के विरुद्ध ऐड-ऑन/राइडर्स (अतिरिक्त प्रीमियम के भुगतान पर) का विकल्प चुनकर अपनी फ़ाइनेंशियल सुरक्षा बढ़ा सकते हैं।
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Max Life Insurance Co. Ltd. 11th Floor, DLF Square Building, Jacaranda Marg, DLF City Phase II, Gurugram (Haryana) - 122002.
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maxlifeinsurance.com
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^5Standard 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 Plan (UIN:104N125V05) with a life cover of Rs. 2 Cr.
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maxlifeinsurance.com
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टर्म प्लान विद रिटर्न ऑफ़ प्रीमियम खरीदने के बाद, यदि आप प्रीमियम भुगतान बंद कर देते हैं या प्लान को सरेंडर कर देते हैं, तो आपको एक सरेंडर वैल्यू प्राप्त होगी। प्रीमियम भुगतान विकल्प के आधार पर TROP का सरेंडर वैल्यू (समर्पण मूल्य) निम्नलिखित शर्तों के अधीन है:
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maxlifeinsurance.com
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आजकल, ज्यादातर लोग इंश्योरेंस प्लान की तलाश करते हैं जो प्रीमियम की न्यूनतम संभव लागत पर उच्च लाइफ़ कवर प्रदान कर सके। टर्म प्लान इस मानदंड को पूरा करते हैं। हालांकि, इस तथ्य को देखते हुए कि पॉलिसी पर कोई मैच्योरिटी बेनिफ़िट (परिपक्वता लाभ) नहीं है, तो कई लोग टर्म इंश्योरेंस प्लान खरीदने से हतोत्साहित होते हैं। यही कारण है कि लाइफ़ इंश्योरेंस कंपनियों ने रिटर्न ऑफ़ प्रीमियम (या ROP) अतिरिक्त बेनिफ़िट के साथ टर्म इंश्योरेंस प्लान पेश किए। दूसरे शब्दों में, ROP (रिटर्न ऑफ़ प्रीमियम वाले टर्म इंश्योरेंस के वैकल्पिक बेनिफ़िट) टर्म इंश्योरेंस प्लान का एक प्रकार है जो इन्वेस्ट किए गए प्रीमियम को वापस करके डेथ बेनिफ़िट (आकस्मिकता के केस में) और मैच्योरिटी बेनिफ़िट दोनों प्रदान करता है।
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हां, पॉलिसीहोल्डर अपनी पसंद के राइडर जोड़कर TROP द्वारा दिए जाने वाले कवरेज को मजबूत कर सकते हैं। कंप्रेहेंसिव कवरेज प्राप्त करने के लिए व्यक्तिगत आवश्यकताओं के आधार पर अलग-अलग प्रकार के राइडर जोड़े जा सकते हैं।
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आप रिटर्न ऑफ़ प्रीमियम वाले टर्म प्लान के लिए भुगतान किए गए प्रीमियम पर 1.5 लाख रुपये तक की टैक्स कटौती प्राप्त कर सकते हैं।
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maxlifeinsurance.com
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Max Life Insurance Company Limited is a Joint Venture between Max Financial Services Limited and Axis Bank Limited.
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maxlifeinsurance.com
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In today's day and age, when it comes to buying term insurance...
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@>Max Life Critical illness and Disability (UIN: 104B033V01) available as a rider on payment of additional premium. 64 critical illnesses covered in platinum and platinum plus variant on payment.
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*#Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your Insurer carrying on life insurance business. The assumed rates of return (4% p.a. and 8% p.a.) shown in the illustrative example are not guaranteed and they are not the upper or lower limits of what you might get back as the value of your Policy depends on a number of factors including future investment performance. The guaranteed and non-guaranteed benefits are applicable only if all due premiums are paid. The Maturity Benefit shown in the illustrative example are inclusive/exclusive of taxes.
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Operation Center :Â Max Life Insurance Co. Ltd, Plot No. 90C, Udyog Vihar, Sector 18, Gurugram (Haryana) - 122015.
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MAX LIFE CRITICAL ILLNESS AND DISABILITY RIDER (UIN: 104B033V01) available as a rider on payment of additional premium.
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The premium shall be adjusted on the due date even if it has been received in advance.
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*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.
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~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
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*++Max Life's Nifty Alpha 50 Fund tracks the NSE's Nifty Alpha 50 Index, subject to tracking error. The above values have been calculated by projecting historical returns of the Nifty Alpha 50 index, after adjusting for all expenses, except the tracking error, in Max Life's online savings plan (variant 1) for a 35-year-old male investing 10k per month for 10 years and maturity after 20 years. The calculations have been done using historical returns of the Nifty Alpha 50 index and may not be indicative of the future performance of 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.
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*+Nifty Mid-cap 150 Momentum 50 Index was launched in Augâ22. These are returns of benchmark indices and are not indicative of return on Max Life Insuranceâs Midcap Momentum Index fund. 10 year return of NIFTY Midcap 150 Momentum 50 Index as on 27/05/2024. Max Life Midcap Momentum Index Fund (SFIN: ULIF02802/01/24MIDMOMENTM104) is passively managed Index Fund that mirrors NIFTY Midcap 150 Momentum 50 Index.
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Your needs and aspirations continue to grow throughout your life. Therefore, you need a life insurance plan that evolves with you and your needs. This is where a term insurance plan with ROP(return of premium ) benefit available on payment of additional premium come into the picture. The plan gives you the option to increase your life cover in the future, as and when important events such as marriage, or the birth of your child, occur in your life (on payment of additional premium). At the time of policy purchase, you can choose whether you wish to opt for an increase of cover later in life. Thus, you can be sure that your term insurance cover remains comprehensive enough to support your family during crucial moments of their lives
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Unit Linked Insurance Products (ULIPs) are different from the traditional insurance products and are subject to the risk factors. The premium paid in the Unit Linked Life Insurance Policies is subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. Max Life Insurance is only the name of the insurance company and Max Life Online Savings Plan (UIN: 104L098V06) is only the name of the unit linked life insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns. Please know the associated risks and the applicable charges from your Insurance agent or the Intermediary or policy document of the insurer. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these funds, their future prospects or returns.
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The policyholder has a period of 30 days from the date of receipt of the policy document, to review the terms and conditions of the Policy, where if the policyholder disagrees to any of those terms or conditions, he / she has the option to return the Policy stating the reasons for his objections. The policyholder shall be entitled to a refund of the premiums paid, subject only to deduction of a proportionate risk premium for the period of cover and the expenses incurred by the company on medical examination of the lives insured and stamp duty charges.
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For Additional Benefits -##On Payment of Additional Premium. The accident cover will only be paid in scenarios where death occurs due to accident.
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***Available with early wealth variant. Income benefit will be paid as per selected plan terms.
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#~Term Insurance plan bought online directly from Max Life Insurance has no commissions involved.
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##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.
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~^Disclaimer: 5 year return (CAGR â Compound Annualised Growth Rate) from Max Life High Growth Fund (ULIF01311/02/08LIFEHIGHGR104) as on 31/07/2024
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^1Disclaimer: 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: 104N125V06) with a life cover of Rs. 50 lakh.
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3The discount is applicable if you are a salaried employee with a corporate. 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.
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Max Life Online Savings Plan is a Unit Linked Non Participating Individual Life Insurance Plan (UIN: 104L098V06)
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maxlifeinsurance.com
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IRDAI - Registration No. 104. ARN/Web/01/21042021 Category: Life. Validity: Valid. Corporate Identity Number (CIN):U74899PB2000PLC045626. Corporate Office: Max Life Insurance Co. Ltd. 11th Floor, DLF Square, Building, Jacaranda Marg, DLF Phase 2, Sector 25, Gurugram, Shahpur, Haryana 122002 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
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^2Disclaimer: 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: 104N125V06) with a life cover of Rs. 75 lakh.
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maxlifeinsurance.com
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*&10 year return of Nifty Smallcap 250 Quality 50 Index as on 30/04/2024. The past returns are extrapolation of index fund returns up to past 10 years using same formula (provided by NSE). The returns are not indicative of the future performance of the fund. Max Life Nifty Smallcap Quality Index Fund is passively managed Index Fund that mirrors Nifty Smallcap 250 Quality 50 Index. The objective of the fund is to invest in companies with similar weights as in the index and generate returns as closely as possible, subject to tracking error.
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For most of us, ideal life is where we get to live out our days in the presence of our family and friends, doing things which we like. We make healthier lifestyle choices to prolong our lifespan and make sure that we are there to watch our loved ones live out their dreams and accomplish their goals in life. Moreover, we take every possible step to support our family, emotionally and financially. We invest in financial instruments that provide us both wealth creation opportunities and income security so that our loved ones do not have to depend on anyone else for support....Read More
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**Disclaimer | Max Life Smart Secure Plus Plan (UIN: 104N118V10). A Non Linked Non Participating Individual Pure Risk Life Insurance Plan. | **Standard Premium for 24 Year Old Healthy Female, Non-smoker, 25 Years Policy Term, 25 Year Premium Payment Term (exclusive of GST) for Max Life Smart Secure Plus Plan. | For Male, the Total premium to be paid in 25 years is Rs.2.09 lakhs (exclusive of GST). ~As compared to the similar modal points of Male, Female has to pay Rs. 13,800 lesser premium than male for the entire policy term (exclusive of GST).
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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
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maxlifeinsurance.com
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As the name suggests, the term plan with return of premium is different from traditional term plans, as it provides to the amount of annualized premium paid throughout the policy term. Thus, in case of your untimely demise within the policy tenure, your family will receive the full sum assured under the insurance plan. However, if nothing happens to you, and you are able to outlive the term insurance period, you will receive the amount of premium* paid you had paid under the plan as premium. In other words, you can avail both policy and survival benefits under the Plan.
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maxlifeinsurance.com
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8+ years of experience in Life Insurance with expertise in Developing Life and Health Products, Digital Sales, Conducting effective trainings and Key Account Management.
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maxlifeinsurance.com
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Disclaimer~*Standard premium for 24-year old healthy female,non-smoker, 25 years policy term, 25 year premium payment term (exclusive of GST) for Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V06)
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maxlifeinsurance.com
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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
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maxlifeinsurance.com
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Past performance of the investment funds do not indicate the future performance of the same. Investors in the Scheme are not being offered any guaranteed / assured returns. The premiums & funds are subject to certain charges related to the fund or to the premium paid.
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maxlifeinsurance.com
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Customer Helpline: 1860 120 5577 (9:00 A.M to 6:00 P.M Monday to Saturday) * Call charges apply.
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maxlifeinsurance.com
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~4 Subject to submission of all documents required for GST waiver.
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maxlifeinsurance.com
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~1Max Life Smart Secure Plus Plan, A non-linked non-participating Individual Pure Risk Life Insurance Plan | Standard Premium for 30 year old healthy male, non-smoker, 40 years policy term, 40 year premium payment term (exclusive of GST) for Max Life Smart Secure Plus Plan | ~1 Conditions for special exit value: Option to receive all premiums paid back, at a specified point in the term of the policy (free of cost). Available when Return of premium variant is not chosen. No additional premium to be paid. Option to receive all premiums back (exclusive of GST). Flexibility of exiting the plan early. Special Exit Value cover applicable till age 68 & above (of your age). T&C Apply.
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maxlifeinsurance.com
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For Return of Premium -~The Return of Premium Option is available on payment of Additional Premium. Premium does not include amount paid for riders and is excluding taxes, cesses and levies. Upon Policyholder's selection of Return of Premium variant this product shall be a Non-Linked Non-Participating Individual Life Insurance Savings Plan.
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maxlifeinsurance.com
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~Accidental death benefit is available in call variants except for Single premium variant. Life insurance coverage is available in this product.
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Alok Mishra is a Digital and Content Marketing specialist with 10 years of experience. He has spearheaded Web Content, Social Media & Branding, and Community Building initiatives to drive growth for prominent brands.
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maxlifeinsurance.com
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Corporate Office :Â Max Life Insurance Co. Ltd. 11th Floor, DLF Square Building, Jacaranda Marg, DLF City Phase II, Gurugram (Haryana) - 122002.
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maxlifeinsurance.com
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>Extended cover of up to 85 years is available with gold and platinum variant only
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maxlifeinsurance.com
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^3Disclaimer: 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: 104N125V06) with a life cover of Rs. 1 Cr.
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maxlifeinsurance.com
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5Criteria applicable only for âTerm plansâ for Graduate, Indian resident with declared income >= 10 lacs with CIBIL score >= 650 (salaried) and >= 700 (self-employed) with no disclosed medical condition
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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: 104N118V10)â 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 detailsâ
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maxlifeinsurance.com
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^4Disclaimer: 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: 104N125V06) with a life cover of Rs. 1.5 Cr.
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maxlifeinsurance.com
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Disclaimer: ~10 year CAGR of Nifty SmallCap 250 Quality50 index as on 24/07/2023. Max Life Nifty Smallcap Quality Index Fund is passively managed Index fund that tracks the Nifty SmallCap 250 Quality50 index (subject to tracking error).
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##Policy continuance benefit is not available with lifelong wealth variant. **The accrued income will be accumulated on an annual basis at the prevailing reverse repo rate (publish on RBIâs website).
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maxlifeinsurance.com
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Disclaimer:**+NIFTY 500 Momentum 50 Index was launched in June'24. The past returns are back tested based on historical returns and formula (provided by NSE). These are returns of benchmark indices as on 11 Juneâ24 and are not indicative of returns on Max Life Insuranceâs newly launched NIFTY 500 Momentum 50 Fund. Max Lifeâs NIFTY 500 Momentum 50 Fund (SFIN:ULIF03014/08/24MOMENFIFTY104) is a passively managed Index Fund that mirrors NSEâs NIFTY 500 Momentum 50 Index, subject to tracking error. The fund value calculation is done by projecting historical returns of NSEâs NIFTY 500 Momentum 50 Index, after adjusting for all expenses (except tracking error) in Max Lifeâs Online Savings Plan (UIN: 104L098V06) for a 30 year old male investing 10k per month for 10 years. The above values have been calculated assuming 25% p.a. gross investment returns as on 11 June'24, which is the 10-year return of NSE's NIFTY 500 Momentum 50 Index (backtested).
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#With âSave the dateâ, you can choose to take your annual income to any special date in a year.
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