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

The Max Life Smart Secure Plus is a pure risk, individual, non-linked, non-participating term insurance plan. It allows for customizations against critical illness, disability, and death benefits.

Who should buy the Max Life Smart Secure Plus?

  • Single individuals with dependent parents
  • Married individuals with dependent spouse and/or children
Max Life Smart Term Plan: Details, Benefits & Premium

Key Features of Max Life Smart Secure Plus

  • The plan offers long-term coverage, till the age of 85.
  • 100% return of premium post plan maturity*.
  • It comes with a free look period of 15 days.
  • A loyalty discount of up to 5% can be availed by existing policyholders.
  • It offers lower premium rates for non-smokers.
  • Multiple premium payment options viz. Single premium, Regular premium, Limited premium, Pay till 60

Benefits of Buying Max Life Smart Secure Plus

With a wide range of benefits available, Max LIfe Smart Secure Plus ensures that your family’s needs are met even after your demise. The plan offers benefits and gives comprehensive coverage. Take a look below to explore some of the significant benefits of the plan:

  • Allows flexibility in premium payments
  • Offers return of premium upon survival tenure
  • Increases tax savings under section 80C,80D & 10C
  • Allows you to enhance your coverage through additional riders

Max Life Smart Secure Plus: Insurance Riders

Max Life offers riders for policyholders to enhance their coverage. Let's take a look at the riders available under the Max Life Smart Secure Plus.

  1. Accelerated Critical Illness (ACI)

    This benefit allows the insured to cover medical expenses upon diagnosis of any of the 40 pre-specified critical illnesses. Max Life offers two options under this benefit for users to choose from.

    Level ACI Benefit Increasing ACI Benefit
    Sum Assured is fixed throughout the policy term.Sum Assured will increase at a rate of 5% p.a. till the end of the policy period.
    Minimum Sum Assured
    Rs. 5 Lakhs
    Minimum Sum Assured
    Rs. 5 Lakhs
    Maximum Sum Assured
    50% of base policy Sum Assured; or
    Rs. 50 Lakhs
    Maximum Sum Assured
    25% of base policy Sum Assured; or
    Rs. 25 Lakhs

    **Last Updated on August, 2021

  2. Life Stage Add on Sum Assured

    This benefit allows policyholders to increase cover amount upon reaching certain milestones in life. The option cannot be added after the inception of the policy. In addition, this option cannot be availed if a claim for ACI has been made.

    The table below lists the life stage events applicable under this rider.

    Life Stage events Add on Sum Assured
    Marriage*50% of the death benefit, not exceeding Rs. 50 Lakhs
    Childbirth**50% of the death benefit, not exceeding Rs. 25 Lakhs
    House loan***50% of the death benefit, not exceeding Rs. 50 Lakhs

    **Last Updated on August, 2021

    * Only once during the policy term and should not be already married

    ** Only twice during the policy term

    *** Only once during the policy term

  3. Accident Cover

    This is an additional cover that individuals can avail themselves for extra coverage along with the base cover. In the event that the Life Assured dies of an accident, nominees are liable to receive the Sum Assured as a lump sum in addition to the death benefit and irrespective of the death benefit variant chosen.

  4. Premium Back

    As the name suggests, policyholders receive 100% of the total premium paid by them throughout the policy period if they survive upon term maturity. This benefit is available with all the variants of death benefit and across all premium payment modes and policy terms.

  5. Availability of Riders across Death Benefit Variants

    The table below illustrates the benefits available across the 7 variants of the death benefit.

    Variants Benefits / Riders
    ACI Accident Cover Life Stage
    Premium Back
    Life CoverAvailableAvailableAvailableAvailable
    Income ProtectorAvailableAvailableAvailableAvailable
    Income + Inflation ProtectorAvailableAvailableAvailableAvailable
    Life Cover + IncomeAvailableAvailableAvailableAvailable
    Life Cover + Increasing IncomeAvailableAvailableAvailableAvailable
    Increasing CoverNot AvailableAvailableNot AvailableAvailable
    Reducing CoverNot AvailableAvailableNot AvailableAvailable

    **Last Updated on August, 2021

Eligibility Criteria

Age at Entry Minimum: 18 years
Maximum: 60 years (Regular Pay)
44 years (Pay till 60 variant)
Maximum age at Maturity Base plan: 85 years
ACI Benefit: 75 years
Accident Cover: 85 years
Policy Term Base plan: 10 to 50 years
ACI Benefit: 10 to 50 years
Accident Cover: 5 to 50 years
Premium Payment Options Single premium, Regular premium, Limited premium, Pay till 60
Minimum Sum Assured Base plan: Rs. 10,00,000
ACI Benefit: Rs. 5,00,000
Accident Cover: Rs. 50,000

**Last Updated on August, 2021

*ACI stands for Accelerated Critical Illness

Exclusions under Max Life Smart Secure Plus

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

  1. 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.

  2. 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

Procedure To Purchase Max Life Term Insurance Plans

Purchase With Max Life

  • Visit the official website of Max Life Insurance.
  • Click on 'Calculate Premium' and fill in the form that comes up.
  • Add benefits and riders as per choice, then click on 'Continue'.
  • Check out the plan options and premium details and select a suitable plan.
  • Click on the 'Buy' option.
  • Upon payment, you will receive a confirmation receipt and policy documents at your registered email address.

Purchase With PolicyX.Com

  • At the top of this page, you will find a section 'Get Max Life Term Insurance Quotes Online'
  • Fill in the required details and click on 'Continue'.
  • Choose your income and city, then tap 'Proceed'.
  • Select your education and occupation type.
  • From the list of insurers, choose 'Max Term Life Insurance Plan' and click on 'Buy this Plan'.
  • Upon successful payment, a receipt will be sent to your email.

How to Contact Max Life Insurance?

Corporate Office Address:

Max Life Insurance Co. Ltd 11th floor, DLF Square, Jacaranda Marg, DLF City Phase II, Gurugram, Haryana 122002

Online Plus Helpline:

Phone: 0124 648 8900 (09:00 AM to 09:00 PM Monday to Saturday)

Message: SMS 'LIFE' to 5616188

Customer Service Helpline:

Phone: 1860 120 5577 (9:00 AM to 6:00 PM Monday to Saturday)

NRI Helpdesk:

Phone: 0124 5098162; 0124 4905150 (9:00 AM to 6:00 PM Monday to Saturday)


* Customers can also chat or write to the company to register feedback, queries, etc.

Max Life Term Plans

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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

Find Out What Customers Are Saying

(Showing latest 5 reviews only)

- 4.5/5 (53 Total Rating)

February 24, 2022

shivani kashyap


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

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.

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

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.

February 10, 2022

shika suman


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 take care of my family after my death. I am relieved.

Last updated on August, 2021

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