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Max Life Flexi Wealth Plus

In today’s day and age, you work hard to fulfil your responsibilities towards your family. You spare no efforts in making sure that your loved ones work towards accomplishing their goals without any worries.

Choosing Max Life Flexi Wealth Plus (A Unit-Linked Non-Participating Individual Life Insurance Plan | UIN: 104L115V03) enables you to take care of your loved ones while protecting them from the uncertainties of life. Max Life Flexi Wealth Plus helps you create wealth through systematic savings into various equity and debt fund options. With Max Life Flexi Wealth Plus, you can accomplish your goals of wealth accumulation for both long term and a planned time frame.

At the same time, this flexible ULIP plan extends the much-needed life insurance coverage to your family and yourself.

What is Max Life Wealth Plus?

Max Life Flexi Wealth Plus is a ULIP (Unit Linked Insurance Plan), which combines protection and savings benefits into a flexible and straightforward solution. Whether it is accumulating wealth for supporting your child’s higher education or protecting their future financially from life’s uncertainties, this plan will help you fulfil all requirements.

The ULIP allows you to utilize different investment strategies and various market-linked fund options, so that you can avail  returns as per your risk appetite. Furthermore, this flexible ULIP plan offers 3 types of additions - Guaranteed Loyalty Additions and Guaranteed Wealth Boosters and Return of Mortality Charges to help maximize your accumulated fund value that you receive upon surviving the policy tenure.

Max Life Flexi Wealth Plus also allows you to make partial withdrawals from your accumulated fund value once the initial lock-in period of five years is over. The ULIP comes with additional tax benefits on the premiums paid and received benefits, as per the applicable tax laws.

 

6 Reasons to Buy Max Life Flexi Wealth Plus

6 Reasons to Buy Max Life Flexi Wealth Plus

  • Guaranteed Loyalty Additions and Guaranteed Wealth Boosters
  • Return of Mortality Charges upon surviving the plan tenure
  • Option to avail policy benefits till 100 years under Whole life variant
  • Inbuilt Life Cover with wealth growth
  • Power to Personalize your investments based on your risk appetite
  • Full flexibility with unlimited free switching throughout the term

What do You get with Max Life Flexi Wealth Plus Plan?

What do You get with Max Life Flexi Wealth Plus Plan?

Complete Personalisation basis Your Risk Appetite

Choose between 14 funds options and 5 investment strategies to ensure optimal returns on your investment, under this ULIP.

Return of Mortality Charges

At maturity, the cost of protection is borne by us as we return the total amount of mortality charges paid towards the plan during the policy tenure. 

Customisable Premium Payment and Policy Tenure

You have the flexibility to choose the policy term and also the number of years you wish to pay the premiums, based on your financial needs and goals. 

Protection and Returns Under One Plan

You can have the best of both worlds – insurance protection and maximal returns. You can opt for a life-long insurance cover and superior returns through systematic savings into a variety of funds and investment strategies.

Full Flexibility with Unlimited Free Switching throughout the Term

You may switch between available Funds at any time during the Policy Term, without any charges being levied.

Power to Save Taxes

You are eligible to avail of certain tax deductions on the premium paid and on the proceeds from the flexible ULIP plan. Please note that these tax deductions are subject to applicable tax laws at the time of payment of premium or receipt of the benefits.

Option to Make Partial Withdrawals

After the first five policy years, you are eligible to make up to 12 partial withdrawals in a policy year. The minimum amount of partial withdrawal allowed per transaction is Rs 5,000. 

Here’s all you need to know about this plan

Here’s all you need to know about this plan

Insert Image Maturity Benefit

On maturity of this ULIP investment plan, you will be eligible to receive an amount (provided that you have not exercised the settlement option), which equals to the accumulated Fund Value, under both Wealth Variant & Whole Life Variant. Under this ULIP plan, the Fund Value payable upon maturity will be calculated as:

Fund Value = Summation of Number of Units in Fund(s) multiplied by the respective NAV of the Fund(s) as on the date of maturity

You are also entitled to receive the total amount of mortality charges (Return of Mortality Charges or RoMC) paid towards the ULIP plan, upon surviving the policy tenure. At the end of the policy term, on the maturity date, the total amount of mortality charges deducted in respect of life cover provided throughout the policy term, will be added back as ROMC, to the Fund Value, as applicable. 

ROMC is not applicable in case of a Surrendered, Discontinued or Paid-up policy and will be payable provided all due Regular Premiums under the policy have been paid up to date.

Insert Image Death Benefit

Max Life Flexi Wealth Plus provides comprehensive financial protection to your family in case of your unfortunate demise within the ULIP plan tenure. In this case, your nominee shall receive the highest of the following values:

    i. Sum Assured (reduced by applicable partial withdrawals** from the accumulated Fund Value, if any), or

    ii. Fund Value (as on the date of demise of the Life Insured)

    iii. 105% of the total premiums received up to the date of death (reduced by applicable partial withdrawals** from the accumulated Fund Value, if             any)

The policy will terminate after the payment of the death benefits.

** The Applicable Partial Withdrawals mentioned above refers to all the partial withdrawals made by you (as the policyholder) for two years immediately preceding death of the Life Insured under the plan. 

Insert Image Survival Benefit

Max Life Flexi Wealth Plus offers Guaranteed Loyalty Additions and Wealth Boosters as part of Survival benefit, based on your annualized premium band. The three premium bands under Max Life Flexi Wealth Plus plan are as follows –

    • Band 1: Annualized premium less than Rs 100,000

    • Band 2: Annualized premium between  Rs 100,000 to Rs 199,999 (both inclusive).

    • Band 3: Annualized/Single premium of Rs 200,000 and above.

Guaranteed Loyalty Additions are payable as a percentage of the total fund value at the end of each policy year (from the 6th year onwards of the ULIP investment plan), depending upon your band as follows –

Band 1

Band 2

Band 3

 NA

0.25%

0.40%

 

On the other hand, the Guaranteed Wealth Boosters are an additional percentage of Fund Value, which are added to the accumulated Fund via the creation of additional units. These additional units are created at the end of every five years, starting from the 10th policy year, basis your premium band as follows –

Band 1

Band 2 and 3

NA

2.00%

Insert Image Tax Benefits

You may be entitled to certain tax deductions on your premiums and on proceeds under the policy benefits. Please note that all such tax deductions are subject to tax laws prevailing at the time of payment of premium or receipt of benefits. You may seek an independent advice on tax benefits from your tax advisor.

Insert Image Flexibility to Choose Investment Strategy

a) Self-Managed Portfolio Strategy - A strategy wherein your money will be allocated in your choice of fund(s).

b) Lifecycle based portfolio strategy - An option to manage your funds by creating a balance between an equity and a debt fund of your choice through systematic allocation based on your changing age.

c) Trigger based portfolio strategy - An event based strategy that helps you in ‘Securing your Gains’. The premium will initially be distributed between an equity and a debt fund chosen by you, in a 75%: 25% proportion. Your portfolio will be re-balanced and funds will be re-allocated based on a pre-defined trigger event at every monthly anniversary of the policy.

d) Systematic transfer plan - An option which replicates a rupee cost averaging method by systematically moving your money from a debt to equity fund every month. The premium received net of charges shall be allocated first to Secure Plus Fund. Immediately thereafter and on each subsequent monthly anniversary, units available in Secure Plus Fund will be systematically transferred to Growth Super Fund based on the formula: [1 / (13 – month number in the policy year)]. 

e) Dynamic fund allocation strategy - A standardized approach for striking the right balance between debt and equity by rebalancing your portfolio basis years to maturity remaining in your policy. The funds shall be maintained amongst Growth Super Fund and Secure Fund in a pre-defined proportion that changes depending upon the years left to maturity as per a matrix.

Max Life Flexi Wealth Plus offers a plethora of investment and life insurance benefits with the flexibility to choose the policy tenure and switch between available fund options. This plan helps each policyholder to create their personalized all-around protection through choosing to grow wealth with this ULIP. Here is how Max Life Flexi Wealth Plus Plan works for you:

 

 

Premium Payment Mode: Annual; Standard life; Fund chosen: Balanced Fund; Cover multiple: 1.25 times of Annualised Premium for Single pay and 10 times of Annualised Premium for other premium payment terms; Annualised Premium means Premium amount payable in a Policy Year, excluding any Rider Premiums, underwriting extra premium on riders and applicable taxes, cesses or levies, if any.

*Please note that the above assumed rates of return @ 4% and 8% p.a. respectively are only scenarios at these rates after recovering all applicable charges. These are not guaranteed and they are not the upper or lower limits of returns of the Funds selected in your policy, as the performance of the Funds is dependent on a number of factors including future investment performance. For more information, please request for your policy specific benefit illustration.

There are a few eligibility criteria that you must meet to avail Max Life Flexi Wealth Plus Plan. These include:

Minimum age of Life Insured at entry

91 days (for Wealth Variant)

18 years (for Whole Life Variant)

Maximum age of Life Insured at entry (age last birthday)

Wealth Variant

Single pay:

Cover Multiple

Max entry age

1.25

70 years

10

45 years

 

Limited /Regular pay: (65 minus PPT) years

 

Whole life variant:

 

(65 minus PPT) subject to maximum value of 55 years

 

(PPT is Premium Payment Term)

Minimum age of Life Insured at maturity

18 years (for Wealth Variant)

100 years (for Whole Life Variant)

Maximum age of Life Insured at maturity

80 years (for Wealth Variant)

100 years (for Whole Life Variant)

Premium payment modes

Single, Annual, Semi-Annual, Quarterly and Monthly

Policy Term

Wealth Variant: 10 to 30 years

Whole life variant: 100 minus Entry Age

Max Life Flexi Wealth Plus Plan allows Single, Annual, Semi-annual, Quarterly and Monthly premium payment modes. The minimum premium is as follows:

Variant

Option

Premium payment Mode

Minimum Annualized Premium * (in Rs)

Wealth variant

Single

Single

2,00,000

Limited

Annual

50,000

Semi-annual

25,000

Quarterly

12,500

Monthly

4,167

Regular

Annual

25,000

Semi-annual

12,500

Quarterly

6,250

Monthly

2,084

Whole Life variant

Limited

Annual

1,00,000

Semi-annual

50,000

Quarterly

25,000

Monthly

8,334

*Annualized Premium means the premium amount in a year excluding the taxes, rider premiums and underwriting extra premiums on riders, if any.

There are the following three premium bands under Max Life Flexi Wealth Plus:

· Band 1: Annualized premium less than Rs 100,000

· Band 2: Annualized premium between Rs 100,000 to Rs 199,999 (both inclusive).

· Band 3: Annualized/Single premium of Rs 200,000 and above

Variant

Option

Premium Payment Term

Policy Term

Wealth

Single

1 year

10 to 30 years

Limited*

5 to 29 years

Regular

10 years to 30 years

Equal to Premium Payment Term

Whole Life

Limited

7 to 20 years

100 minus entry age

*Premium Payment Term to be less than Policy Term

Downloads    Actions    
Prospectus
  
   
Leaflet  
   
Policy Contract  
   
Premium Rates Table  
   

Additional Benefits Through Riders

Additional Benefits Through Riders

Max Life Critical Illness and Disability- Secure Rider (UIN: 104A034V01)

Max Life brings a comprehensive insurance plan that covers up to 64 critical illnesses along with total and permanent disability coverage. You can choose the best variant for you from the five available variants. You will be also be eligible for a discounted renewal premium based on the number of steps monitored on Max fit app. You can even choose to get a cover up to age 85 years. (For further details, please refer to Max Life Critical Illness and Disability - Secure Rider, UIN – 104A034V01, prospectus/brochure

Downloads

Max Life Smart Ultra Protect Rider: (UIN: 104A049V01)

Max Life Smart Ultra Protect Rider is a Unit-Linked Individual Health Insurance Rider. This rider offers coverage against a range of risks. You may opt for coverage against one or more risks as per your needs. Risks covered under the rider are Term Booster with Accelerated Terminal Illness, Accidental Death Benefit, Accidental Total & Permanent Disability, and Payor Benefit. Return of premium option is available under all *Rider Benefit Variants except for payor benefit. The policyholder has the flexibility to choose from multiple possible combinations of *Rider Benefit Variant. For further details, please refer to Max Life Smart Ultra Protect Rider Prospectus and Policy Document.

*Rider Benefit Variant Term Booster with Accelerated Terminal Illness, Accidental Death Benefit, Accidental Total Permanent Disability will be applicable on Life insured and Payor benefit will be applicable on policyholder.

alt text Downloads

Fund options and their performances

Below are different funds available for investment

Fund options and their performances

Below are different funds available for investment
High Growth Fund
(SFIN: ULIF01311/02/08LIFEHIGHGR104)

Investment Group: Equity

Fund Returns
27.16%
Benchmark* Returns
23.62%
*(Nifty MidCap Free Float 100%)
Nature of Fund
An open ended equity multicap fund with focus on midcaps
Investment Strategy
The fund is a multi-cap fund with a focus on mid cap equities, where predominant investments are equities of companies with high growth potential in the long term (to target high growth in capital value assets). At least 70% of the Fund corpus is invested in equities at all times. However, the remaining is invested in government securities, corporate bonds and money market instruments; hence the risk involved is relatively higher.
Secure Plus Fund
(SFIN: ULIF01628/04/09LIFESECPLS104

Investment Group: Debt

Fund Returns
7.28%
Benchmark* Returns
7.53%
*(CRISIL Bond Index 100%)
Nature of Fund
An open ended debt fund which invests across duration with bias towards government securities
Investment Strategy
(This Fund is available only under Systematic Transfer Plan (STP), Lifecycle Based Portfolio and Trigger Based Portfolio strategy) .The investment objective of the Fund is to provide higher security of investment by way of higher proportion of investment in sovereign papers that carry an implicit guarantee for repayment of principal and interest from the Government of India. This Fund invests in debt instruments such as Government Securities, Corporate Bonds, Money Market Instruments etc. issued primarily by Government of India/State Governments, Corporate and banks. The Fund also invests in money market instruments as prescribed by IRDAI. No investment is made in equities.
Growth Super Fund
(SFIN: ULIF01108/02/07LIFEGRWSUP104)

Investment Group: Equity

Fund Returns
15.94%
Benchmark* Returns
15.27%
*(NSE Nifty 100%)
Nature of Fund
An open ended equity fund with focus on large caps
Investment Strategy
This is primarily an equity oriented fund. At least 70% of the Fund corpus is invested in equities at all times. The remaining is invested in debt instruments across Government, corporate and money market papers.
Growth Fund
(SFIN: ULIF00125/06/04LIFEGROWTH104)

Investment Group: Equity

Fund Returns
11.46%
Benchmark* Returns
11.83%
*(Crisil Bond Index 50% and NSE Nifty 50%)
Nature of Fund
An open ended hybrid fund with equity portion
focused on large caps
Investment Strategy
This fund invests in various asset classes such as Equities, Government Securities, Corporate Bonds and Money Market Instruments. The equities exposure in the Fund will at all times be at a minimum of 20% but not more than 70%. The Fund invests the remaining Fund corpus in debt instruments across Government, corporate and money market papers.
Balanced Fund
(SFIN:  ULIF00225/06/04LIFEBALANC104)

Investment Group: Balanced

Fund Returns
9.99%
Benchmark* Returns
10.21%
*(Crisil Bond Index 70% and NSE Nifty 30%)
Nature of Fund
An open ended hybrid fund investing in a mixture of debt instruments and equities
Investment Strategy
This fund invests primarily in debt instruments such as Government Securities, Corporate Bonds, Money Market Instruments etc. issued primarily by Government of India/State Governments and to some extent in Corporate Bonds and Money Market Instruments. The Fund invests minimum of 10% and up to maximum of 40% of Fund corpus in equities.
Conservative Fund
(SFIN: ULIF00325/06/04LIFECONSER104)

Investment Group: Debt

Fund Returns
7.72%
Benchmark* Returns
8.45%
*(Crisil Bond Index 90% and NSE Nifty 10%)
Nature of Fund
An open ended hybrid fund investing predominantly in debt instruments
Investment Strategy
Conservative Fund invests primarily in debt instruments such as Government Securities, Corporate Bonds, Money Market Instruments etc. issued primarily by Government of India/State Governments and to some extent in Corporate Bonds and Money Market Instruments. The Fund invests up to 15% of Fund corpus in equities
Secure Fund
(SFIN: ULIF00425/06/04LIFESECURE104)

Investment Group: Debt

Fund Returns
6.77%
Benchmark* Returns
7.53%
*(CRISIL Bond Index 100%)
Nature of Fund
An open ended debt fund which invests across duration
Investment Strategy
This fund invests in debt instruments such as Government Securities, Corporate Bonds, Money Market Instruments etc. issued primarily by Government of India/State Governments, Corporate and banks. The Fund also invests in money market instruments as prescribed by IRDAI. No investment is made in equities.
Diversified Equity Fund
(SFIN: ULIF02201/01/20LIFEDIVEQF104)

Investment Group: Equity

New Fund
Nature of Fund
An open ended equity multi cap fund with focus on large and mid caps
Investment Strategy
The investment objective of the fund is to invest at least 70% of the fund corpus in a diversified basket of equity stocks over the entire market capitalisation range, primarily focusing on large and mid-cap companies covering a wide variety of sectors to provide investors with long term growth opportunities while ensuring liquidity of investments.
Money Market Fund II
(SFIN:ULIF02301/01/20LIFEMONMK2104)

Investment Group: Debt

New Fund
Nature of Fund
An open ended liquid fund which invests only in money market instruments
Investment Strategy
The investment objective of the fund is to deliver returns linked to Money Market levels through a portfolio with minimal interest rate and credit risk so as to provide a high level of safety of capital.
Dynamic Bond Fund
(SFIN: ULIF02401/01/20LIFEDYNBOF104)

Investment Group: Debt

New Fund
Nature of Fund
An open ended debt fund which invests across duration with bias towards corporate bonds
Investment Strategy
The investment objective of the fund is to generate superior returns by investing in high quality debt instruments including Government securities, corporate bonds and money market instruments with an objective to maximize returns keeping in mind safety and liquidity of the portfolio.
Sustainable Equity Fund
(SFIN:ULIF02505/10/21SUSTAINEQU104)

Investment Group: Equity

New Fund
Nature of Fund
An open ended equity fund investing in companies that are in compliance on ESG principles
Investment Strategy
The objective of the fund is to focus on investing in select companies from the investment universe, which conduct business in socially and environmentally responsible manner while maintaining governance standards.
Pure Growth Fund 
(SFIN: ULIF02630/12/22PUREGROWTH104)

Investment Group: Equity

New Fund
Nature of Fund
The investments in this fund will specifically exclude companies dealing in Banking, Alcohol, Tobacco products etc.*
Investment Strategy
The objective of the fund is to provide medium to long term return to the investors by actively managing portfolio through investment in equities, cash and money market instruments. Fund will not invest in companies that derive significant share of income from sectors such as Alcoholic beverages, Tobacco and tobacco products, certain animal produce, Gambling, Banking & Financial Services and Entertainment (cinema, TV etc.).*For Details please refer to the Sales Literature
NIFTY Smallcap Quality Index Fund
SFIN: ULIF02702/08/23NIFTYSMALL104

Investment Group: Equity

New Fund
Nature of Fund
To invest in a basket of stocks drawn from the constituents of NSE Smallcap 250 Quality 50 index. 
Investment Strategy
The objective of the fund is to invest in a basket of stocks drawn from the constituents of NSE Smallcap 250 Quality 50 index. The fund will invest in the companies of the above index with similar weights as the index and generate returns as closely as possible, subject to tracking error.
Midcap Momentum Index Fund
SFIN: ULIF02801/01/24MIDMOMENTM104

Investment Group: Equity

New Fund
Nature of Fund
The objective of the fund is to invest in a basket of stocks drawn from the constituents of NSE Midcap 150 Momentum 50 index. 
Investment Strategy
The objective of the fund is to invest in a basket of stocks drawn from the constituents of NSE Midcap 150 Momentum 50 index. The fund will invest in the companies with similar weights as in the index and generate returns as closely as possible, subject to tracking error.

Note: Returns are 5 year compounded annualised growth rate (CAGR). Past performance is not indicative of future performance. Star rating is Overall Rating. Rating and returns are as on 29th February 2024

“ The Above mentioned Fund returns are after deduction of Fund Management Charges (FMC) ”

 

In the unit linked insurance policies, investment risk in the investment portfolio is borne by the policy holder. Past performance is not necessarily indicative of future performance. The linked insurance products do not offer any liquidity during the first five years of the contract the policyholder will not be able to surrender/withdraw the monies invested in linked insurance products completely or partially till the end of fifth year. Returns are 5 year compounded annualised growth rate (CAGR). Rating and returns are as on 29th February 2024.

© 2020 Morningstar. All Rights Reserved. The information, data, analyses and opinions (“Information”) contained herein: (1) include the proprietary information of Morningstar and its content providers; (2) may not be copied or redistributed except as specifically authorised; (3) do not constitute investment advice; (4) are provided solely for informational purposes; (5) are not warranted to be complete, accurate or timely; and (6) may be drawn from fund data published on various dates. Morningstar is not responsible for any trading decisions, damages or other losses related to the Information or its use. Please verify all of the Information before using it and don’t make any investment decision except upon the advice of a professional financial adviser. Past performance is no guarantee of future results. The value and income derived from investments may go down as well as up.

The ‘Morningstar Overall Rating’ is a quantitative assessment of a fund’s past performance—both return and risk—as measured from one to five stars, with one (1) being the lowest and five (5) being the best as on 29th February 2024.

How is Max Life Flexi Wealth Plus Better for You?

How is Max Life Flexi Wealth Plus Better for You?

Max Life Flexi Wealth Plus is the ULIP Plan to secure your family’s financial future. Here is why Max Life Flexi Wealth Plus the best ULIP plan for you:

  • Flexibility to choose between Fourteen fund options and five investment strategies.
  • Flexible premium payment options – Regular Pay, Single Pay and Limited pay.
  • Return of mortality charges upon maturity of the policy.
  • Guaranteed Loyalty Additions and Guaranteed Wealth Boosters.
  • Option to avail policy benefits till 100 years under Whole life variant.
  • Ease of switching and premium redirection between funds.
  • Option to reduce premium by 50% during the term on/after completion of first five policy years.
  • Option to extend the policy beyond maturity through settlement option.
  • Option to alter the Policy Term or Premium Payment term.
  • Freelook period of up to 30 days*

*The Policyholder has a period of 15 days (30 days if the policy is sourced through Distance Marketing modes) from the date of receipt of the Policy to review the terms and conditions of the Policy and where the Policyholder disagrees to any of those terms or conditions, he/she has the option to return the Policy for cancellation, stating the reasons for his/her objections, upon which the Policyholder shall be entitled to an amount which will be equal to non-allocated premium plus charges levied by cancellation of units plus fund value at the date of cancellation, less charges deducted towards mortality and rider benefit (including GST on these charges) for the period of cover, expenses incurred on medical examination, if any, and on account of stamp duty.

Give Wings to Your Dreams with Max Life Flexi Wealth Plus

Give Wings to Your Dreams with Max Life Flexi Wealth Plus

As a family person, you always try to give your family the best possible lifestyle and upbringing. You make sure that your loved ones never have to compromise on their dreams. However, you are somehow unsure about your family’s future, especially if something happens to you, and you are not there to see them through.  

With Max Life Flexi Wealth Plus Plan, you can put all your fears to rest. The ULIP plan offers a comprehensive life insurance protection and wealth solution, which can be personalized to suit your needs. To know more about this flexible ULIP plan, you can connect with us over a call, and we will take it from there. 

ARN: PDP/FWP/060324

Why Choose Max Life

Here are some of the numbers that speak about our accomplishments

Why Choose Max Life

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

99.51%

99.51%

(Source: Individual Death Claim Paid Ratio as per Audited Financials for FY 2022-2023)

Max Life's Presence

269 Offices

269 Offices

(Source: As reported to IRDAI, FY 2022-23)

Sum Assured

₹1,397,142 Cr.

₹1,397,142 Cr.

In force (individual) (Source: Max Life Public Disclosure, FY 2022-23)

Assets Under Management

₹122,857 Cr.

₹122,857 Cr.

(Source: Max Life Public Disclosure, FY 2022-23)

More reasons why our customers choose us
What our customers have to say
What our customers have to say

Being a person with high aspirations, I wanted to buy a plan which will not only help me do systematic saving but also grow my money to fulfill my goals. This seems to be the perfect plan for me. Although I was unsure about putting my money into the market, in the beginning, thanks to Mr. Robin, my relationship manager who explained me the different strategy options. I get the flexibility to switch funds the unlimited number of times without any extra cost. Moreover, I get annual bonus as well in the form of wealth boosters. A simple plan to save and grow your money!

 

Mrs. Anita Shangvi, 32 years

Ranchi, 26 June 2017

Let’s Connect

Let’s Connect

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 (09:00 AM to 09:00 PM Monday to Saturday)

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(9:00 AM to 6:00 PM Monday to Saturday)

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