Smart Secure Plus
  • 100% return of premium
  • Loyalty Discount of 5%
  • Increase your Sum Assured as per requirements.
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Smart Secure Plus

Max Life Smart Secure plan is a non-linked, non-participating, individual pure risk premium life insurance plan that is specifically designed to fulfill the growing financial needs of a family and acts as a savior to create a financial net around the family.

With Max Life Smart Secure Plan the insured gets two death benefits, including a cover for terminal illness and an exit value. In addition, this plan also provides optional benefits such as premium breaks, joint life cover, additional payout on accidental death and much more.

Max Life Smart Secure Plus Plan offers you a range of benefits including:

why-choose
  • Death Benefit
  • Tax Benefit
  • Terminal Illness Cover
  • Return of Premium
  • Premium Break
  • Special Exit Value

Eligibility Criteria for Smart Secure Plus

Your Occupation

Entry age

Minimum Age - 18 years Maximum Age - 65 years

Mukhyamantri Amrutam Yojana

Maturity age

Maximum Maturity Age - 85 years

Your Gender

Policy term

Minimum term - 10 years Maximum term - 67 years

Maternity Benefit Rider

Sum assured

Base sum assured: 20 lakhs to no limit.

Dr YSR Aarogyasri Trust

Policy loan

The policy loan is not available under Max Life Smart Secure Plus Plan.

Maternity Benefit Rider

Payment modes

Annual, half-yearly, quarterly & monthly

How Does Max Life Smart Secure Plus Plan Work?

Let's understand how the Max Life Smart Secure Plus Plan works with a simple premium illustration.

Why Buy Term Insurance Online?

Problem

Mr. Verma is looking for a simple and affordable term plan that provides financial safety to his family in case of his unfortunate demise.

Solution

His financial advisor advised him to buy the Max Life Smart Secure
Plus Plan. He visited PolicyX.com

Let's understand how the Max Life Smart Secure Plus Plan works for him with a premium illustration table.

Age of policyholder Annual premiums Policy tenure Premium payment term Total premiums paid Sum assured
30 years Rs 15,495 40 years 40 years Rs 6,19,800 Rs 1 crore

Key Takeaways: In case of Mr. Verma's demise during the policy tenure, Rs 1 crore will be paid to their nominee.

Benefits of Smart Secure Plus

Here are the benefits associated with the Smart Secure Plus

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Riders Associated with Max Life Smart Secure Plus Plan

You can add the following riders to your Max Life Smart Secure Plus Plan:

Max Life Waiver of Premium Plus Rider

It will waive off all future premiums and the benefits of the policy will remain the same in case of disability, dismemberment, or diagnosis of critical illness.

 

Max Life Critical Illness and Disability Rider

In case the policyholder is diagnosed with any of the critical illnesses mentioned in the brochure then rider benefits are paid to them.

Features of Smart Secure Plus

Joint life option

The plan offers you Joint life option which helps you cover you and your spouse under a single plan.

Choose your premium payment term

Max Life Smart Secure Plus provides an option to choose from 'Multiple Premium Payment Terms' as per your convenience.

Choice of policy term

Max Life Smart Secure Plus Plan offers you the option to choose the policy tenure.

Terminal illness 

Max Life Smart Secure Plus Plan provides you with a terminal illness benefit to cover terminal illnesses mentioned in the brochure.

Exclusions of Max Life Smart Secure Plus Plan

Here is the list of exclusions associated with the plan:

  • The policy shall be terminated if the policyholder commits suicide within 12 months from the date of policy inception.
  • Death due to consumption of any intoxicants.
  • Death due to any aviation accident.
  • Death due to war, terrorism, invasion, rebellion, military power, riots, or civil commotion.
  • Death while being engaged in any naval, military, or air force operation during times of peace.

Conclusion

Max Life Smart Secure Plan is a comprehensive term plan that offers you a range of benefits including Return of Premium, Premium Break, Special Exit Value, Sum Assured Top-up, etc. If you are still confused about which term plan is best for you then you can contact us at PolicyX.com. One of our insurance representatives will contact you shortly, understand your requirements, and choose a plan that suits your needs.

Explore other Max Life Term Insurance

Max Life Term Insurance offers one of the best term insurance plans to cater to the unique needs of every customer. You can buy their term plans with high life cover at pocket-friendly costs. Get a 5% discount for online purchases and 100% claim assistance with Max Life Term Insurance plans. Below is the list of term plans offered by Max Life.

Max Life Saral Jeevan Bima is a beacon of simplicity in the world of insurance. This is a non-participating, non-linked pure-term plan, designed to de...

Unique Features

  • Death Benefit
  • Waiver Of Premium
  • Policy Cancellation Value

Max Life Saral Jeevan Bima (Pros)

Max Life Saral Jeevan Bima
  • 105% Death Benefit
  • Choose to pay Premium Once
  • Max Sum Assured 25 L

Max Life Saral Jeevan Bima (Cons)

Max Life Saral Jeevan Bima
  • No Survival Benefit
  • No Maturity Benefit
  • No Surrender Benefit

Max Life Saral Jeevan Bima (Other Benefits)

Max Life Saral Jeevan Bima
  • Suicide Cover After 12 Months
  • Spouse Cover
  • Policy Revival Within 5 Years

Max Life Saral Jeevan Bima (Eligibility Criteria)

Max Life Saral Jeevan Bima
  • Entry Age - 18 Years
  • Max Entry Age - 65 years
  • Minimum Sum Assured - 5 L
  • Maximum Maturity Age - NA
  • Premium Payment Term - RP/SP/LP(5&10 Years)

Max Life Online Term Plan Plus is a pure protection plan that can be bought online from the comfort of your home. The plan eliminates the middleman or...

Unique Features

  • 3D Benefit
  • Life Cover Upto Age 85
  • 40 Critical Illness Covered

Max Life Online Term Plus (Pros)

Max Life Online Term Plus
  • Max SA Is 100 Crore
  • Additional Riders Benefit
  • Flexible Premium Payment Options

Max Life Online Term Plus (Cons)

Max Life Online Term Plus
  • No Maturity Benefit
  • No Surrender Benefit
  • No Policy Loan Allowed

Max Life Online Term Plus (Other Benefits)

Max Life Online Term Plus
  • Discount for Non-Smokers
  • No Restrictions on Travel
  • High SA Discounts & Waiver of Premium

Max Life Online Term Plus (Eligibility Criteria)

Max Life Online Term Plus
  • Entry Age - 18 Years
  • Max Entry Age - 60 years
  • Minimum Sum Assured - 25 L
  • Maximum Maturity Age - 85 Yrs
  • Premium Payment Term - RP

Max Life Premium Return Protection Plan is a simple term insurance plan that offers coverage along with a 'Return of Premium' benefit. The plan offers...

Unique Features

  • Return of Premium Plan
  • Flexible-Premium Payment Term
  • 1 Crore Max Sum Assured

Max Life Premium Return Protection (Pros)

Max Life Premium Return Protection
  • Terminal Illness Benefit
  • Smart Exit Benefit
  • Acceleration Death Benefit

Max Life Premium Return Protection (Cons)

Max Life Premium Return Protection
  • 1 Year WP for Suicide
  • No Policy Loans
  • No Pre-existing Conditions

Max Life Premium Return Protection (Other Benefits)

Max Life Premium Return Protection
  • Death Benefit in Instalments
  • RP
  • WOP & 3 Riders
  • Additional Cover for Spouse

Max Life Premium Return Protection (Eligibility Criteria)

Max Life Premium Return Protection
  • Entry Age - 18 Years
  • Max Entry Age - 84 years
  • Minimum Sum Assured - Adaptable
  • Maximum Maturity Age - 85 years
  • Premium Payment Term - RP/SP/LP

Have you ever heard of a term plan that gives you a 12-month grace period before paying your next premium? Max Life Smart Total Elite Protection Term ...

Unique Features

  • Cover continuous benefit
  • Terminal illness cover
  • Early exit benefit

Max Life Smart Total Elite Protection (Pros)

Max Life Smart Total Elite Protection
  • Special Exit Value
  • Accident Cover
  • Terminal Illness Cover

Max Life Smart Total Elite Protection (Cons)

Max Life Smart Total Elite Protection
  • 1 year WP for suicide
  • No policy loan
  • No pre-existing illness cover

Max Life Smart Total Elite Protection (Other Benefits)

Max Life Smart Total Elite Protection
  • Cover continuance benefit
  • Insta payment
  • Choose policy term

Max Life Smart Total Elite Protection (Eligibility Criteria)

Max Life Smart Total Elite Protection
  • Entry age - 18 years
  • Max entry age - 65 years
  • Min sum assured - 1
  • Max maturity age - 85 years
  • PPT - RP/SP/LP

Max Life Smart Secure plan is a non-linked, non-participating, individual pure risk premium life insurance plan that is specifically designed to fulfi...

Unique Features

  • 100% return of premium
  • Loyalty Discount of 5%
  • Increase your Sum Assured as per requirements.

Smart Secure Plus (Pros)

Smart Secure Plus
  • Income Protector
  • Rider Options
  • Premium Return (ROP)

Smart Secure Plus (Cons)

Smart Secure Plus
  • Limited Maturity Benefit
  • Plan Complexity
  • No Loan Benefit

Smart Secure Plus (Other Benefits)

Smart Secure Plus
  • Enhance Cover at Milestones
  • Accelerated Critical Illness Benefit
  • Accident Cover

Smart Secure Plus (Eligibility Criteria)

Smart Secure Plus
  • Entry Age - 18 Years
  • Max Entry Age - 60 years
  • Minimum Sum Assured - Adaptable
  • Maximum Maturity Age - NA
  • Premium Payment Term - RP/SP/LP

Max Life Smart Secure Plus Plan : FAQs

1. Can a NRI buy a Max Life Smart Term Plan?

Yes, any citizen of India (holding a valid passport issued by Govt. of India) and temporarily residing in the country of his/her present residence. ALso, a citizen of a foreign country who is based in India can purchase Max Smart Term Plan

2. I forgot to pay my premiums for the Smart Term Plan by Max Bupa? WIll my policy get lapsed now?

No, fortunately, Max Life Smart Term Plan comes with a unique feature that offers an option to skip paying premiums without losing the cover during the policy term. This feature can relieve policyholders from paying premiums in the case of financial difficulties.

3. I am already having a Term Insurance plan from another insurer. Can I still buy a Max Life Insurance Smart Term Plan?

Yes, according to the IRDAI, a policyholder can purchase multiple term policies from the same or different insurers. However, do not forget to inform both the insurance companies before buying a second policy.

4. Can I avail loans under Max Smart Term Plan?

No, you cannot avail loans under Max Smart Term Plan

5. Does buying Riders for my Max Life Smart term plan will increase my premiums?

Yes, you can avail of the additional coverage by buying Riders, however, for the same, you need to pay additional premiums.

6. Does Max Smart Term Plan come with a grace period?

Yes, the plan offers a grace period of 30 days, wherein you can pay your pending premiums without getting your policy lapsed.

7. What documents do I need to buy Max Life Insurance Smart Term Plan?

Listed below are the documents you need to submit to buy Max Life Smart Term Plan: Identity proof Address proof Income proof Passport size photographs

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