Axis Max Life Smart Wealth Plan vs Lic Aadhaar Stambh Life Insurance Plan 2026 | PolicyX
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The Axis Max Life Smart Wealth Plan is a combination of insurance and savings that protects your loved ones financially in your absence and guarantees survival returns. This plan offers four plan options, allowing you to choose the one that best suits your needs.

The Axis Max Life Smart Wealth Plan is a non-participating, non-linked savings life insurance plan. Let's explore the plan in detail for better clarity and understanding.

The Axis Max Life Smart Wealth Plan offers a range of benefits, including:

  • Maturity returns
  • Death benefit
  • Guaranteed additions
  • Whole-life income with a joint life option
  • Rider protection
  • Surrender option
  • Reduced paid-up
PLAN DETAILS

Axis Max Life Smart Wealth Plan

Lic Aadhaar Stambh
Premium Including GST
Key Features
(Key features of the plan)
  • Guaranteed maturity benefits
  • Guaranteed additions
  • Joint life option
  • Affordable Premiums
  • Tax Benefits
  • Flexible Policy Tenure
Plan Maturity age 85 years Maximum Maturity Age - 70 years
Plan Sum Assured Based on the policy term 10 to 20 years
Plan Entry Age Min- 91 days, Max- 65 years Minimum Age - 8 years. Maximum Age - 55 years.
Plan Payment modes No Limit Rs 2 lakh to Rs 5 lakh
Plan Policy loan Monthly, Quarterly, Half-yearly, and Yearly Annual, half-yearly, quarterly & monthly
Plan Sample Premium Minimum - Rs 943 (Monthly), Maximum - No limit -
Plan Brochure Brochure URL Brochure URL
Policy Term 6 to 20 years Minimum term - 10 years. Maximum term - 20 years.
Claim Settlement Ratio (2024-25) Minimum Age - 5 year 98.5%

* The above sample premiums are for a 30-year-old male, nonsmoker with a sum assured of Rs 50 lakhs and a policy tenure of 25 years. You can calculate the premiums for the above life insurance plans using the PolicyX Life Insurance Calculator.

Riders

Benefits of Axis Max Life Smart Wealth Plan

Here are the benefits of buying the Axis Max Life Smart Wealth Plan:

  • Death benefits: This plan offers death benefits to your loved ones in case of your uncertain demise. This amount can help them to continue their lives without financial issues.
  • Maturity benefits: At the end of the policy tenure, you will receive maturity benefits along with applicable additions. You can use this amount to fulfill your future financial needs.
  • Guaranteed additions: Under the lump sum option of the Axis Max Life Smart Wealth Plan, you get guaranteed additions to your policy. These additions increase the total value of maturity benefits.
  • Rider benefits: You can avail of 4 kinds of rider benefits to enhance the overall coverage of your plan. These rider benefits are available at a nominal additional cost.
  • Policy Loan: You can avail of a policy loan in emergencies. The loan amount is a minimum of Rs 10,000 and a maximum of 50% of the surrender value of the policy.
  • Joint life plan: Under the whole life income option, you get a joint life policy that covers you and your spouse under a single plan. You don’t need to spend any additional amount to buy an insurance policy for your spouse.
  • Commutation option: The commutation option is available under plan options 2, 3, and 4. Under this option, you can receive the present value of the outstanding maturity or death benefits as a lump sum.

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Reviewed By: Naval Goel

Naval Goel has over a decade of expertise in the insurance sector, having worked with companies like AIG, New York. He is an Associate Member of the Indian Institute of Insurance, Pune, and is authorized by IRDAI to act as Principal Officer of PolicyX.com Insurance Web Aggregator.

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