Max Life Smart Total Elite Protection
- Cover continuous benefit
- Terminal illness cover
- Early exit benefit
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 plan is such a plan, allowing you to defer your premiums for 12 months while your coverage stays intact!
Max Life STEP plan is a pure-risk comprehensive solution at an affordable price. It allows you to design your term plan and add additional coverage against accidental disability and critical illnesses.
Max Life Smart Total Elite Protection offers you a range of benefits including:
Minimum Age - 18 years Maximum Age - 65 years
Maximum Maturity Age - 85 years
Minimum term - 10 years Maximum term - 67 years
Base sum assured: 1 crore to no limit.
The policy loan is not available under Smart Total Elite Protection Plan.
Annual, half-yearly, quarterly & monthly
Let's understand how the Max Life Smart Total Elite Protection works with a simple premium illustration.
Mr. Verma is looking for a term plan that provides him with life coverage along with special exit value.
His financial advisor advised him to buy the Max Life Smart Total Elite Protection. He visited PolicyX.com
Let's understand how the Max Life Smart Total Elite Protection 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 12,776 | 30 years | 30 years | Rs 3,83,280 | 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.
Here are the benefits associated with the Max Life Smart Total Elite Protection
Max Life Smart Term Plan
You can add the following riders to your Max Life STEP plan:
Max Life Waiver of Premium Plus rider supports the insurer and their family by waiving off all future premiums of the term plan, in case of the occurrence of any of the following events- Critical Illness or Permanent Disability.
Under the critical illness rider, the policyholder receives an additional sum assured along with the base sum assured of the policy, in case of diagnosis of any listed 40 critical diseases.
Here is the list of exclusions associated with the plan:
Max Life Smart Total Elite Protection is a simple term plan that offers financial protection to your loved ones after your demise. This plan offers a range of benefits including- special exit value, inbuilt terminal illness cover, cover continuance benefit, 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.
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I am a passionate content writer with over three years of experience in the insurance domain. An avid learner, I always tries stays ahead of the industry's trends, ensuring my writing remains fresh and includes the latest insurance shifts. Through my work, I strive to engage with targeted insurance readers.
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