Life Secure Plan vs Smart Total Elite Protection Plan Term Insurance Plan 2026 | PolicyX
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Bajaj Life Secure is an advanced term insurance plan that offers protection till your 100th birthday. This plan is a non-linked and non-participating individual, life, limited premium payment whole life-saving plan. Life Secure Plan offers flexible premium payment terms with a plan customization option. This is a whole life plan that offers term cover with 3 plan options comprehensively covering accidental death, and critical illness depending on the policyholder's choice. There are three plan options: Death Benefit, Death Benefit + Accidental Death Benefit, Death Benefit + Accidental Death Benefit + Waiver Of Premium Benefit.

Bajaj Life Secure Plan offers you a range of benefits including:

  • Life cover up to the age of 100 years.
  • Tax Benefit
  • High sum assured rebate.
  • Additional riders to choose from
  • Death benefits
  • Attractive premium rates for female lives.
PLAN DETAILS

Life Secure Plan

Smart Total Elite Protection Plan
Premium Including GST
Key Features
(Key features of the plan)
  • 3 Plan Options
  • Critical Illness Benefit
  • Waiver Of Premium
  • Cover continuous benefit
  • Terminal illness cover
  • Early exit benefit
Plan Maturity age Maximum Maturity Age - Whole life Maximum Maturity Age - 85 years
Plan Sum Assured Base sum assured: No limit Base sum assured: 20 lakhs to no limit.
Plan Entry Age Minimum Age - 25 years Maximum Age - 55 years Minimum Age - 18 years Maximum Age - 65 years
Plan Payment modes Annual, half-yearly, quarterly & monthly Annual, half-yearly, quarterly & monthly
Plan Policy loan The policy loan is not available under Bajaj Life Secure Plan. The policy loan is not available under Smart Total Elite Protection Plan.
Plan Sample Premium Rs 670/- per month Rs 605/- per month
Plan Brochure Brochure URL Brochure URL
Policy Term 100 minus Entry Age Minimum term - 10 years Maximum term - 67 years
Claim Settlement Ratio (2024-25) 99.33% 99.78
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* 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 term insurance plans using the PolicyX Term Insurance Calculator.

Riders

Riders You Can Avail With Axis Max Life Smart Total Elite Protection Plan

You can add the following riders to your Axis Max Life STEP plan:

Axis Max Life Waiver of Premium Plus Rider

Axis 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.

Axis Max Life Critical Illness and Disability Rider

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 40 listed critical diseases.

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