Smart SecurePlus Plan
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  • Loyalty Discount of 5%
  • Increase your Sum Assured as per requirements.
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Max Life Smart Secure Plan

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.

Continue reading to explore more about the Max Life Smart Secure plan and its benefits:

Eligibility Criteria of Max Life Smart Secure Plan

Age at Entry

Min: 18 years
Regular pay: 65 years
Pay till 60: 44 years

Max age at Maturity

Base Age: 85 years
ACI: 75 years
Accident Cover: 85 years

Policy Term

Base Cover- Min: 10 Years| Max: 67 Years
ACI- Min: 10 Years| Max:50 Years
Accident Cover- Min: 5 Years| Max: 67 Years

Premium Payment Options

Single, Regular, Limited

Minimum Sum Assured

Death Benefit: 20 lakh
ACI Benefit: 5 lakh
Accident Cover: 50,000

Max Life Smart Term Plan: Details, Benefits & Premium
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Benefits of Max Life Smart Secure Plan

Smart Secure Plan offered by Max Life Insurance is a versatile plan that offers multiple benefits wrapped in one plan. With several benefits, this is one of the best gifts you can give your family for a happy and protected future. Below mentioned are some of the benefits that one can avail of under the plan:

Maturity Benefit

Suppose you opt for the return

Death Benefit

It allows you to create enough

Terminal Illness Cover

This option protects the life insured

Accident Cover

Under this benefit the family of the

Accelerated Critical Illness (ACI)

You are eligible to receive the cover

Joint Life Benefit

When buying the Max life smart

Maturity Benefit

Suppose you opt for the return of premium variant with the smart secure plus plan at the time of purchase. In that case, it entitles you to receive a maturity benefit upon surviving the policy term. With this option available, you can receive the total premium amount paid at the end of the policy term.

Death Benefit

It allows you to create enough financial corpus for your family in uncertain times. This plan allows you to choose from different cover options and customize your own plan as per your coverage needs. Customize the protection required at affordable prices by offering 2 Death Benefit Cover options to choose from, at the time of purchase

  • Life Cover
  • Increasing Life Cover
Terminal Illness Cover

This option protects the life insured from any terminal illness by taking care of your financial needs if you are diagnosed with a terminal illness. In such a scenario, 100 % of the guaranteed death benefit (capped at 1 crore) will be paid to you upon certification by a medical practitioner.

Accident Cover

Under this benefit the family of the life insured receives the cover amount, along with the base cover, in case of the insured individual’s demise due to an accident. You can add this cover to your term plan (Max life smart secure plus plan) at any time during the premium payment term, subject to the conditions for the accident cover.

Accelerated Critical Illness (ACI)

You are eligible to receive the cover amount upon diagnosis of any of the 40 specified critical illnesses, provided the policy is in-force and meets other terms and conditions.

Joint Life Benefit

When buying the Max life smart secure plus plan, you can choose a joint life cover to secure your partner’s life along with yourself. This is how it works:

  • In case your spouse meets with an untimely demise before you or is diagnosed with a terminal illness, a guaranteed death benefit of Rs.10 lakhs will be payable to the beneficiary, and the primary life cover will continue at a reduced premium and the original sum assured chosen by you will be payable to your spouse in the pay-out option of their choice.
  • In case you suffer an unfortunate incident before your spouse, and if in the future, they are diagnosed with a terminal illness or pass away, the guaranteed death benefit of Rs. 50 lakhs will be payable to the nominee. Additionally, it comes with a built-in premium waiver, meaning premiums will be waived off for your spouse’s sum assured, upon your demise.

Max Life Smart Secure Plan Features

After learning the many benefits of this plan, here are a few features that will help you understand this plan better.

Return of Premium

You can receive 100 % of the total premiums* paid with this feature, in case you survive the policy. This benefit is available with both Base Covers and across all Premium Payment Terms and Policy Terms.

Premium Break

With this feature, you can take a premium break or holiday from paying the premium once the policy has completed ten years of tenure. The policy remains in force with the risk cover functional as per the terms and conditions of the max life term plan. You can choose this option twice during the Premium payment term. Premium Break option (available for policies with Policy Term greater than 30 years and PPT greater than 21 years).

Special Exit Value

You get a one-time option to exit the policy with an exit benefit of Return of Premiums (total premiums paid plus underwriting extra premiums paid plus loading for modal premiums, if any) at the time of exercising the option, for the base cover only.

Sum Assured Top-up

Opt to increase the sum assured at a later stage in the policy term. If the sum assured chosen, at the inception of the policy, is greater than or equal to Rs.50 lakhs, you can exercise this option after completing one policy year. You can increase the cover up to 100% of the base sum assured. The policy must have a minimum premium payment term of 5 years and a minimum policy term of 10 years for this option to be available.

Rider Benefits Available with Max Life Smart Secure Plan

  • Waiver of Premium Rider
    Comprehensive protection (waiver of future Premiums) against:
    • Death
    • Disability
    • Critical illness
  • Critical Illness and Disability Rider
    Comprehensive coverage against the risk of critical illness and disability. This rider will be beneficial under any critical illness or disability caused to the life insured.

Exclusions under Max Life Smart Secure Plan

Max Life has specified certain exclusions in the Smart Secure Plus Plan under which policyholders are exempted from the benefit payable. These exemptions come into effect if death occurs as a result of the following:

Suicide Exclusion

In the event that the Life Insured, irrespective of her/his sanity, dies by suicide within 12 months from the date of policy inception, or the date of revival of the policy, the policy shall stand terminated, effective immediately.

ACI And Accident Benefit Rider Exclusion

Life Assured is not entitled to receive benefit under the ACI rider in case of:

  • Death due to delayed medical treatment.
  • Death due to alcohol abuse or taking of drugs, narcotics, or psychotropic substances.
  • Death due to participation in an unlawful act with criminal intent.
  • 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.
  • Death due to professional sport(s) or any adventurous pursuits or hobbies such as deep-sea diving, skydiving, cliff diving, bungee jumping, paragliding, hand gliding, and parachuting, among others.

Explore Max Term Insurance

Know more about Max Term Insurance, its claim process, buying process, and contact details by clicking on the sections below:

Claim Process

Click to know Max Life Term Insurance Claim Process.

Buying Process

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Contact Us

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Premium Calculator

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Explore Other Max Term Insurance Plans

You can find other term policies offered by the Max Term Insurance company in the section below:

MAX Life Smart Secure Plus Plan

This Plan offers two death benefit options to cater to diverse financial requirements; wherein you can choose from a Life Cover or Increasing Life Cover, depending on your preference.

Unique Features

  • Different payout options available
  • Terminal illness cover
  • Maturity benefit available

How to Contact Max?

Max Insurance Contact Address, SMS 'LIFE' to 5616188

Toll-free number: 0124 648 8900 (Available from 9:00 am to 9:00 pm IST)
Monday to Saturday

Max Smart Term 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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Max Term Insurance Review

Read what our customers have to say about Max Term Insurance Company

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Vishakha Kumari


May 25, 2022

MAX Bupa is indeed a good company. After my husband s death, the company settled the claims within a few months.

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shivani kashyap


February 24, 2022

Max life is a reputed company for a reason. They always take good care of their clients without delaying their requests and claim. I am impressed

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February 24, 2022

Got claim settled of my father s policy within 15 days as my family needed money to repay loan. Thank you to the team. Really happy with the service.

Customer Review Image



February 18, 2022

My father was having term insurance from them and when we informed them about the death of my father. They helped me and my family. cleared all claims asap

Customer Review Image



February 18, 2022

Last year I met with an accident while going to the office. My life insurance rider- accident one came very usefully. I got sufficient money to earn my home as I was not able to go work.

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shika suman


February 10, 2022

I am the earning member of the family and I am always scared that what will happen to them after my death. So Max life gave me the best suggestion to purchase a term insurance plan that will ta...

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Rachita Kamble


August 18, 2021

Max Life is a very nice company. I am glad that I chose this company. The premiums are affordable, and I have peace of mind that my family will be financially secure after my death.

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Victor Dutta


June 16, 2021

I m really happy with the riders provided by Max Life. I bought a term plan and the riders just make sure that I have a thorough cover.