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What is Max Life Smart Term Plan

Max Life Smart Term Plan is a customizable term plan that offers comprehensive protection against critical illness, disability, and death. This term plan provides 360-degree financial protection to your family in your absence. Additionally, Max Life Smart Term Plan offers:

  • Return of premium upon surviving the policy term under base policy*
  • Comprehensive protection against 40 critical illnesses, including kidney failure, heart attack, and cancer
  • Limited premium payment options such as limited pay, regular pay and pay till 60
  • Flexible premium payment options as per your budget
  • Option to increase insurance coverage upon achieving important milestones in life
  • Significant tax benefits under Section 80C, 80D and 10(10D) of income  tax act 1961
  • Multiple death benefit payout options including increasing monthly income and lump sum payouts
  • Additional benefits in the form of riders such as Accidental Cover

 

Max Life Insurance offers the ease of choosing your term plan online or offline. Following table will help you in understanding the break up.

 

If you plan to check offline prices, the following table will help you out:

 

What Add-ons Can I Avail with Max Life Smart Term Plan?

Max Life Smart Term Plan helps you enhance your policy cover upon meeting important milestones in life, such as being married or becoming a parent. With the Life Stage Benefit under the plan, you can easily beat inflation as your policy continues to protect you and your loved ones. 

At the same time, you can also make sure that you have comprehensive financial backup to tackle any emergency such as death, physical disability, and critical illness. This is possible through Max Life Waiver of Premium Plus Rider and Max Life Accident Cover options. 

To top it all, you have the option of the Premium Back variant, which enables you to pay back the entire amount of premium payments for base policy (exclusive of GST- mention the condition).

1. Max Life Waiver of Premium Plus Rider^^

You may have heard about how you can risk forfeiting your life insurance policy by not paying the premiums on time. While you may not skip paying the premiums willingly, there are certain scenarios where you might be unable to continue with the payments. For example, you may experience a loss of income due to a: 

  • Critical Illness; or
  • Dismemberment; or
  • Death

In any such scenario, the Waiver of Premium Plus rider will help ensure that the insurance plan continues to provide the intended protection. On the other hand, we will take care of all the future premium payments on your behalf.

2. Accident Cover Option

In India, accidents are quite common. You may have seen a few instances where people get seriously injured in an accident and eventually succumb to their injuries. In any such scenario, it is the family of the individual who suffers the most. Not only do they have to deal with the sudden loss of their loved one, but they also have no one to look up for emotional and financial support.

Therefore, you need to make sure that your loved ones remain protected from such an instance. While you have the insurance benefit to help them survive, you can also provide for an additional amount of money, over and above the term plan payout with the Accident Cover Option.

With this option ; hence, you can make sure that your family remains financially secure in the best way possible. Now, the Accident Cover Option is available for every death benefit variant chosen.

Why Should You Buy Max Life Smart Term Plan?

Max Life Smart Term Plan is a flexible plan that caters to people from different walks of life and age groups. Therefore, you can customize your insurance coverage by choosing the desired benefits accordingly.

If you are earning, you should buy a term insurance plan to support your family’s financial future.

If you are single – You have your parents who may depend on you for financial support, especially after their retirement. With term insurance; therefore, you can help take care of their lifestyle expenses and create an additional source of income for them in your absence

If you are married with no kids – Your spouse may have no one else but you, to look for financial support. Thus, it becomes crucial that you create a backup plan to secure his/her future in your absence

If you are married and have kids – Being a parent, you have the responsibility to take care of your kids’ education and marriage expenses. Also, you are responsible for your partner’s financial well-being. A term plan will help support your family in maintaining their current lifestyle, even in your absence.

What are the Unique Features of Max Life Smart Term Plan?

Max Life’s Smart Term Plan empowers you to secure your loved ones financially, against the possibility of your untimely demise. While most term plans do not offer any maturity benefits, Max Life Smart Term Plan offers to pay you back the entire premium amount received under the base plan*.

Even then, the cost of premium payable under Max Life Smart Term plans is relatively lower than other forms of life insurance. If you are still wondering, here is why Max Life Smart Term Plan is better for You:

  • Seven different variants for the death benefit payout
  • Single Pay, Regular Pay, Pay till 60 and Limited Pay options are available for premium payment
  • Freelook period of 15 days
  • Life cover assurance up to 85 years
  • Built-in discounts available for higher Sum Assured
  • 5% loyalty for the existing customers
  • Female buyers will receive a 3-year age setback over the rates for male buyers (for example, a 28-year old female will receive the same rate of premium and policy benefits as a 25-year old male) This is applicable on all premium payment term variants except Pay till 60 variant
  • Lower premium rates for non-smokers
  • No restrictions on travel or future occupation

What Do You Get From Max Life Smart Term Plan?

Every individual has different needs life. Whether it is about protecting their child’s future or making sure that they can repay their home loan, people have varied expectations with term life insurance. Max Life Smart Term Plan offers a plethora of life insurance benefits and policy variants to choose from. The plan helps each policyholder to create their personalized all-around protection through term insurance.

Here are a few reasons why you must buy Max Life Smart Term Plan

What Do You Get From Max Life Smart Term Plan?

Every individual has different needs life. Whether it is about protecting their child’s future or making sure that they can repay their home loan, people have varied expectations with term life insurance. Max Life Smart Term Plan offers a plethora of life insurance benefits and policy variants to choose from. The plan helps each policyholder to create their personalized all-around protection through term insurance.

Here are a few reasons why you must buy Max Life Smart Term Plan

In general, term insurance plans do not have a maturity value; these plans protect your family’s financial future in case of an eventuality. However, Max Life Smart Term Plan has an option of return of premium.

In other words, if you survive throughout the policy term, you will be eligible to receive the complete amount of annualized premiums that you had paid under the base policy* . After that, the policy will terminate.

The Premium Back feature is available under all the death benefit payout options, so there is no need to panic. You can create a personalized term insurance plan and then, avail the maturity benefit after surviving the policy term.

Please note, any additional premium amounts charged for optional benefits such as accelerated critical Illness benefit, accident cover option or rider add-ons will not be a part of the benefit (return of premium) that you will receive upon maturity.

Max Life Smart Term Plan offers you to pick a policy term that you desire, with life insurance term of up to 50 years and avail coverage ceasing age of 85 years.

The primary purpose of life insurance is to help you tackle emergencies. If it is an unexpected medical emergency, you need an insurance plan that is flexible enough to help you out in every situation. 

Take critical illnesses, for example. If you are diagnosed with any one of the severe health concern such as heart conditions or cancer, Max Life Smart Term Plan can help you avail immediate financial help in the form of accelerated payouts under its Accelerated Critical Illness (ACI) Benefit.

The ACI benefit covers you against as many as 40 critical illnesses. Not only this, you have the freedom of increasing the plan coverage during your policy term. In other words, Max Life Smart Term Plan will provide coverage that stays relevant to your age and health. As explained above, you can avail the Accelerated Critical Illness (ACI) benefit with Max Life Smart Term Plan. If youare diagnosed with any of the specified Critical Illness (as described within the policy document), the benefit is payable.

There are two options available under Accelerated Critical Illness (ACI) cover to choose from:

a) Level ACI Benefit

In this variant, you will receive a fixed and level amount of insurance benefit (or ACI Sum Assured) throughout a specific policy term (also known as the ACI policy term.)

You can choose the ACI Sum Assured in multiples of 5 lakhs as per the boundary conditions mentioned below: 

Minimum ACI Sum Assured

Maximum ACI Sum Assured

Rs. 5 lakhs

50% of the base policy Sum Assured (chosen at the time of policy purchase) or Rs. 50 lakhs, whichever is lower

b) Increasing ACI Benefit

In this variant, the benefit amount or ACI sum assured will increase annually at a simple rate of 5% of the total base policy coverage amount. 

You can choose the ACI Sum Assured in multiples of INR 5 lakhs as per the boundary conditions mentioned below: 

Minimum ACI Sum Assured

Maximum ACI Sum Assured

Rs. 5 lakhs

25% of base policy Sum Assured chosen at the inception of policy or Rs. 25 lakhs, whichever is lower

To summarize, the maximum increase that you can avail under the Accelerated Critical Illness benefit allowed will be:

  • 50 lacs, or
  • 50% of the base policy Sum Assured, or;
  • 200% of the ACI Sum Assured chosen at the time of policy purchase

Furthermore, you must understand that the ACI benefit is accelerated and not an additional benefit. In other words, once you avail the benefit, your policy will continue the protection. However, the term coverage amount under the base policy will get reduced by the amount equal to the ACI Sum Assured paid. 

Also, the maximum payout that you can avail under the ACI benefit is 100% of the ACI Sum Assured. Once you have exhausted the ACI Sum Assured, you cannot make further ACI claims.

At the time of purchase, you can also choose whether you want to pay the premium amount all at once, or you wish to pay the premium for a limited period only. In case you want to continue paying the premium amount throughout the policy tenure, you can do so too! 

Max Life Smart Term Plan enables you to select a premium payment mode as per your budget so that you have enough bandwidth to take care of other expenses as well. You have the flexibility to choose to pay the premiums annually, half-yearly, quarterly, or every month.

Here is a summary of the different policy and premium payment options available under Max Life Smart Term Plan: 

Variant

Policy Tenure

Minimum Premium Payment Tenure

Single Pay

10 to 50 years

Only once

Regular Pay

10 to 50 years

10 to 50 years

Limited Pay (5 Pay)

10 to 50 years

Up to 5 years

Limited Pay (10 Pay)

15 to 50 years

Up to 10 years

Limited Pay (12 Pay)

17 to 50 years

Up to 12 years

Limited Pay (15 Pay)

20 to 50 years

Up to 15 years

Pay till 60

The policy term will be higher than the tenure for premium payment (a maximum of 50 years)

 

16 years

 

For each one us, our needs and aspirations evolve with time. In our 20s, we may only think about earning as much money as possible. As we grow up, we look to start a family and plan for retirement.

In short, we need our life insurance plan to evolve with the changing life stages and goals. Max Life Smart Term Plan offers you the option of choosing the ‘Life Stage Add on Sum Assured’ benefit.

As a policyholder, you will be able to increase the total coverage amount under the plan (also known as Sum Assured) on reaching specific ‘Life Stage’ events such as marriage, becoming a parent or buying a house (will be available with additional premium) 

Like the Premium Back option, this benefit is only available when you purchase the policy; you cannot select the benefit later.

Here is a breakdown of the life stage events that are covered under Max Life Smart Term Plan: 

Life Stage events

Add on Sum Assured permissible

Marriage

(once during policy term, not available if married)

 

· You can add up to 50% of the death benefit Sum Assured selected at the time of policy purchase. 

· The Add on Sum Assured cannot exceed Rs. 50 lakhs

Becoming a Parent

(it is applicable for up to two children only)

· You can add up to 50% of the death benefit Sum Assured selected at the time of policy purchase. 

· The Add on Sum Assured cannot exceed Rs. 25 lakh, for each childbirth.

Taking up a House loan
(Once during the policy term)

· You can add up to 50% of the death benefit Sum Assured selected at the time of policy purchase. 

· The Add on Sum Assured cannot exceed Rs. 50 lakhs

**This option can't be exercised in case a Critical Illness claim has been made

 

If you believe that term insurance plans only offer lump-sum payouts, you need to think again. There are seven death benefit variants available under Max Life Smart Term Plan.

Each of these variants offers you complete freedom in deciding how your loved ones should receive the insurance money and use it.

For example, you have the option to choose whether your family should receive the insurance cover amount all at once or get it in the form of a monthly income.

You also have to option to choose whether you want to increase the monthly payouts at certain intervals to counter the rising inflation or increase the insurance coverage in your life as you achieve important milestones in life.

Here is a breakdown of the various payout options available: 

Variant

Description

Features

Life Cover

 Your family receives the insurance coverage all at once

Your family will get the insurance benefit in the form of a Lump Sum Payment

Income Protector

 Your family receives the coverage amount in the form of monthly incomes

· You can decide a certain amount of monthly income (in multiples of Rs. 5,000) 

· The amount will be paid to your family for a period of 10 years, 15 years or 20 years (as chosen by you at policy inception) will be paid to the beneficary post the death of life insured 

Income + Inflation Protector

In this variant, your family will receive an increasing monthly income

· The monthly income is in multiples of Rs. 5,000. 

· The income payout period can either be 10 years, 15 years or 20 years as chosen by you the  at policy inception and will be paid to the beinficary post the date of death of life insured

· Income will increase every year by 10% (simple interest) of the first monthly income payable

Life Cover + Income

Your family will receive a lump sum amount along with a fixed monthly income

· Your family will receive the lump sum payment immediately after your demise 

· The monthly income component will be equal to 0.4% of the Lump sum cover amount 

· The income will be payable for ten years

 

Life Cover + Increasing Income

In this variant, your family will receive a fixed lump sum benefit amount along with an increasing monthly income

· Your family will receive the lump sum payment immediately after your demise 

· The monthly income component will be equal to 0.4% of the Lump sum cover amount 

· The monthly income will increase every year by 10% (simple interest) of the first monthly income payable. 

· The income will be payable for ten years

Increasing Cover

You can increase the insurance benefit amount payable under the plan

· The insurance coverage amount under the term plan will increase by 5% annually (simple interest) 

· The increment will continue up to the 21st policy year 

· Your family will receive the insurance benefit as a lump sum payment

Please note: Accelerated critical illness benefit and life stage add on benefit options are not available with this death benefit variant

Reducing Cover

 In this variant, the benefit amount payable decreases

· The insurance death benefit payable decreases by 5% p.a. (simple interest)

· The decrease happens every 5th policy year

· Your family will receive the insurance benefit as a lump sum payment

· This variant is available if lump sum amount chosen at inception is greater than or equal to Rs. 1 Cr

·  Maximum accident cover sum assured available under the variant is lower of 25% of lump sum life cover amount chosen at inception or Rs. 50 Lacs

Please note: Accelerated Critical Illness and Life Stage add-on benefit options are not available with this death benefit variant.


The following table summarises the availability of the Accident Cover Option, Accelerated Critical Illness, life-stage add-on sum assured and premium back benefits for the different death variants:

Variant

ACI and Life-Stage add on sum assured Benefits

Accident Cover Option

Premium Back

Life Cover

Yes

Yes

Yes

Income Protector

Yes

Yes

Yes

Income + Inflation Protector

Yes

Yes

Yes

Life Cover + Income

Yes

Yes

Yes

Life Cover + Increasing Income

Yes

Yes

Yes

Increasing Cover

No

Yes

Yes

Reducing Cover

No

Yes

Yes

* Total premiums paid inclusive of any extra premium but exclusive of all applicable taxes, cesses or levies and modal extra

How do the death benefit variants work out for you?

Let us understand the working of each death benefit variant in detail.

How do the death benefit variants work out for you?

Let us understand the working of each death benefit variant in detail.

Under this variant, your nominated family member (or nominee) will receive 100% of the insurance benefit (or Sum Assured) that you chose at the time of purchasing the policy.

The amount will be paid out as a lump sum, immediately after your demise.

Example– Anant is a 30-year old marketing analyst. He purchases the Max Life Smart Term Plan Life Cover Variant. The policy details are as follows: 

Death Benefit variant

Life Cover

Sum Assured

Rs. 1 crore

Policy Term

40 years

Premium Payment Term

40 years

Annual Premium

(Exclusive of GST)

Rs.9,500

Thus, after paying 7 premiums, he passes away. Subsequently, his nominee receives a lump sum benefit of Rs. 1 crore and the policy terminates.

Smart Term Plan Infogrpahic Life Cover

In this variant, your nominee will receive a fixed level monthly income for up to 10 years, 15 years or 20 years (you will have to choose the payout period at the time of purchasing the policy) after your demise.

Example: Keshav is a 35-years old project manager. He purchases Max Life Smart Term Plan with Income Protector variant from Max Life. The policy details are below:

Death Benefit variant

Income Protector

Sum Assured

NA

Payout period was chosen

Ten years

Policy Term

40 years

Premium Payment Term

40 years

Annual Premium

(Exclusive of GST)

Rs.13,685

After paying the premium for 5 years, he passes away. After his death, a monthly income of Rs. 1 lakh is paid out to his nominee for 120 months, starting from the next monthly policy anniversary.

Smart Term Plan Infogrpahic Income Protector

Under this variant, your nominee will receive an increasing amount of monthly income for up to ten years, 15 years or 20 years (you will have to choose the payout tenure at the time of purchasing the policy) as a death benefit.

Also, the monthly income component will increase every year by 10% (simple interest) of the first monthly income payable.

Example: Mr. Kapadia is a 40-year old accountant working with a textile firm. He buys Max Life Smart Term Plan Income +Inflation Protector variant. His policy details are as follows:

Death Benefit variant

Income + Inflation Protector

Monthly Income chosen

Rs. 1,00,000

Yearly Increase

Rs. 10,000

(10% of first-month income)

Payout period was chosen

10 years

Policy Term

40 years

Premium Payment Term

40 years

Annual Premium

(Exclusive of GST)

Rs.24,282

Mr. Kapadia, unfortunately, passed away after paying ten premium payments. Post his demise, his nominee received a monthly income of Rs. 1 lakh, starting from the next monthly policy anniversary of Mr. Kapadia. After that, the monthly income increases by Rs. 10,000 every year and is paid out to his nominee for the payout period of 10 years.

Herein, your nominee will receive 100% of the Sum Assured as a lump sum, along with a fixed monthly income.

The monthly income component will be 0.4% of the Sum Assured and will be paid to your nominee for up to ten years after your demise.

Example: Sudesh is a 30-year old chef. He buys Max Life Smart Term Plan Life Cover + Income variant. The policy details are below:

Death Benefit variant

Life Cover + Income

Sum Assured chosen

Rs. 1 crore

Monthly Income payable

Rs. 40,000

Payout period was chosen

10 years

Policy Term

40 years

Premium Payment Term

40 years

Annual Premium

(Exclusive of GST)

Rs.13,062

After paying premiums for ten years, Sudesh passes away. Post his demise; his nominee received a lump sum benefit of Rs. 1 crore. Moreover, the nominee also received a monthly income of Rs. 40,000 for the next 120 months.



As per guidelines of the variant, your nominee will receive 100% of the Sum Assured immediately after your demise.

Also, they will also receive an increasing monthly income, equal to 0.4% of Sum Assured that will increase every year by 10% p.a. (simple interest) of the first monthly income payable. Furthermore, the income payout would continue for the next ten years

Example: Sanchit is a 40-year businessman. He purchases Max Life Smart Term Plan Life Cover + Increasing Income variant. His policy details are as follows:

Death Benefit variant

Life Cover + Increasing Income

Sum Assured chosen

Rs. 1 crore

Monthly Income payable

Rs. 40,000

Yearly Increase

Rs. 4,000

(10% of first-month income)

Payout period was chosen

10 years

Policy Term

50 years

Premium Payment Term

50 years

Annual Premium

(Exclusive of GST)

Rs.28,113

After paying four premiums, Sanchit passes away. His nominee will receive a lump sum payout of Rs. 1 crore. Along with it, the nominee will also receive a monthly income of Rs. Forty thousand for the first year, after which the income will increase by Rs. 4,000 every year and paid out to the nominee for the next 120 months.

Smart Term Plan Infogrpahic Life Cover plus Increasing Income

Under this variant, the Sum Assured under the base policy will increase by 5% p.a. (simple interest) on each policy anniversary for up to the 21st policy anniversary. In case of your demise within this period, your nominee will immediately receive the Sum Assured amount as a lump sum (which will be effective as on the last policy anniversary).

Example: Rajat is a 30-year old physician. He purchases the Max Life Smart Term Plan Increasing Cover Variant. The details of the policy purchased by him are as follows:

Death Benefit variant

Increasing Cover

Sum Assured chosen

Rs. 1 crore

Yearly Increase in Sum Assured till completion of the 21st policy anniversary

Rs. 5 lakhs

Policy Term

40 years

Premium Payment Term

40 years

Annual Premium

(Exclusive of GST)

Rs.15,400

After paying a premium for 5 years, Rajat passes away due to illness. The Sum Assured effective as on the last policy anniversary will be Rs. 1.2 crores (as shown in below table) is paid out as lump sum to his nominee, after which the policy terminates.

Number of premiums paid

Sum Assured effective during the last policy year

Increase in Sum Assured

Effective Sum Assured

1

Rs. 1 crore

(base sum assured chosen by Rajat)

0

Rs. 1 crore

2

Rs. 1 crore

Rs. 5 lakhs

Rs. 1.05 crore

3

Rs. 1.05 crore

Rs. 5 lakhs

Rs. 1.1 crore

4

Rs. 1.1 crore

Rs. 5 lakhs

Rs. 1.15 crore

5

Rs. 1.15 crore

Rs. 5 lakhs

Rs. 1.2 crore

 

Smart Term Plan Infogrpahic Increasing Cover

Under the variant, the Sum Assured decreases by 5% p.a. (simple interest) on completion of every 5th policy year. In case of your demise within this period, your nominee will immediately receive the Sum Assured amount as a lump sum (which will be effective as on the last policy anniversary).

Example: Mr. Sharma is a 45-year old real estate developer. He buys Max Life Smart Term Plan Reducing Cover Variant. The policy details are as follows:

Death Benefit variant

Reducing Cover

Sum Assured

Rs. 10 crore

Reduction in Sum Assured on completion of every five policy years

Rs. 50 lakhs

Policy Term

40 years

Premium Payment Term

40 years

Annual Premium

(Exclusive of GST)

Rs.204,000

The effective Sum Assured for a given policy year for Mr. Sharma is shown below:

Policy Year

Sum Assured effective during the last five policy years

Reduction in Sum Assured

Effective Sum Assured

1 to 5

Rs. 10 crore

(base sum assured chosen by Mr. Sharma)

0

INR 10 crore

6 to 10

Rs. 10 crore

Rs. 50 lakhs

Rs. 9.5 crore

11 to 15

Rs. 9.5 crore

Rs. 50 lakhs

Rs. 9 crore

16 to 20

Rs. 9 crore

Rs. 50 lakhs

Rs. 8.5 crore

21 to 25

Rs. 8.5 crore

Rs. 50 lakhs

Rs. 8 crore

26 to 30

Rs. 8 crore

Rs. 50 lakhs

Rs. 7.5 crore

31 to 35

Rs. 7.5 crore

Rs. 50 lakhs

Rs. 7 crore

36 to 40

Rs. 7 crore

Rs. 50 lakhs

Rs. 6.5 crore

After paying 27 premiums, Mr. Sharma passes away due to illness. After that, the Sum Assured effective in the 27th policy year, which comes out to Rs. 7.5 crores (as shown in the table above) is paid out as lump sum to his nominee.          

Notes:

  1. Kindly note that the above case studies are only examples and do not in any way create any rights and/or obligations.
  2. You may be entitled to certain applicable tax benefits on your premiums and policy benefits. Please note that all the tax benefits are subject to tax laws prevailing at the time of payment of premium or receipt of benefits by you. It is advisable to seek an independent tax consultation.
  3. Extra premium payable for substandard lives as per company’s Board approved underwriting policy.
  4. Premium shown in all of the above illustrations is exclusive of GST. 

Smart Term Plan Infogrpahic Reducing Cover

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Live Life to the Fullest: The Max Life Edge

As a family person, you always try to give your family the best possible living standards and ensure that they fulfill their dreams. However, you are somehow unsure about your family’s future, especially when you are not there to see them through. With Max Life Smart Term Plan, you can put all your fears to rest and achieve peace of mind. Max Life Smart Term Plan offers a comprehensive insurance protection solution, which can be personalized to suit the needs of you and your loved ones. To know more about the other term insurance plans and to calculate the right term life cover for yourself, you can use an online term plan calculator or connect with us over a call.

Live Life to the Fullest: The Max Life Edge

As a family person, you always try to give your family the best possible living standards and ensure that they fulfill their dreams. However, you are somehow unsure about your family’s future, especially when you are not there to see them through. With Max Life Smart Term Plan, you can put all your fears to rest and achieve peace of mind. Max Life Smart Term Plan offers a comprehensive insurance protection solution, which can be personalized to suit the needs of you and your loved ones. To know more about the other term insurance plans and to calculate the right term life cover for yourself, you can use an online term plan calculator or connect with us over a call.

Why Choose Max Life

Here are some of the numbers which speak about our accomplishments

Why Choose Max Life

Here are some of the numbers which speak about our accomplishments
Claims Paid Percentage

98.74%

98.74%

(Source : Annual Results Release FY18-19)

Max Life Presence

239 Offices

239 Offices

(Source : Annual Results Release FY18-19)

Sum Assured

₹7,03,972 Cr.

₹7,03,972 Cr.

In force (individual) (Source : Public disclosure FY18-19)

Assets Under Management

₹62,798 Cr.

₹62,798 Cr.

(Source : Public disclosure FY18-19)

More reasons why our customers choose us

Let’s Connect

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