How does my nominee claim the death benefit?

The nominee needs to submit a death certificate, policy documents, and any required forms to the insurer. After verification, the payout is processed.

How much coverage should I get?

A good rule of thumb is to have coverage that is 10-15 times your annual income, but the exact amount depends on factors like debts, living expenses, and future financial goals.

Can I increase my coverage later?

Some insurers allow policyholders to enhance coverage at key life stages (marriage, childbirth) through step-up options. Otherwise, a new policy may be needed.

Health Insurance

Term Insurance

Blogs

Claims

Tools

Partner with us

Health Insurance
- Explore Insurers
- Explore Insurance Plans
- Explore Insurance Types
Term Insurance
- Explore Insurers
Blogs
Claims
- Claim Stories
- Explore Insurers
Tools
- Explore Calculators

Partner with us

OneAssure

Term Insurance

Max Life Smart Secure Plus Plan

Compare Max Life Smart Secure Plus benefits, exclusions, ratings and related variants in one place.

1.72

Solvency

99.7

ICR

16.52

Growth

114,439.33

AUM

Policy Brochure

Get your term insurance quote

Gender

Date of Birth

Coverage amount

Annual income

Education level

Your occupation

Current Location

Smoker / Non Smoker

Yes

Get your term insurance quote

Gender

Date of Birth

Coverage amount

Annual income

Education level

Your occupation

Current Location

Smoker / Non Smoker

Yes

1.72

Solvency

99.7

ICR

16.52

Growth

114,439.33

AUM

Policy Brochure

About

About Max Life Smart Secure Plus

Max Life Smart Secure Plus Plan is a non-linked, non-participating term plan offering customizable protection up to age 85. It provides flexible premium payments, level or increasing life cover, and optional benefits like accelerated critical illness, accident cover, and joint life option. Unique features include Premium Break, allowing temporary suspension of payments, and Return of Premium, refunding all premiums if the policyholder survives. The Special Exit Value enables early premium refunds, ensuring financial security and peace of mind for loved ones.

About Company

About Axis Max Life Insurance Co. Ltd

Axis Max Life Insurance is one of India’s leading private life insurance companies, established in 2000 as a joint venture between Max Financial Services Ltd. and Axis Bank Ltd. Known for its customer-centric approach, the company offers a wide range of life insurance products, including term plans, savings and investment plans, retirement solutions, child plans, and health insurance riders. Axis Max Life focuses on providing long-term financial protection and wealth creation opportunities, ensuring families remain financially secure during life’s uncertainties. With a high claim settlement ratio, tax benefits, and transparent policies, Axis Max Life has built a reputation for trust...

Ratings

Max Life Smart Secure Plus Rating

Insurer Rating

8.64

out of 10

Insurance Rating

10

out of 10

Layer 1

Lump Sum + Income Option

Yes

Waiver of Premium Rider

Yes

Online Purchase Available

Yes

Layer 2

Claim Process Simplicity

5/5

Premium Competitive

5/5

Claim Process Simplicity

5/5

Testimonials

Axis Max Life Insurance Co. Ltd Customer Testimonials

Customer feedback and experiences.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.

Shreya Goyal

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family…always been available to assist with any insurance/claim queries.

Nakul N

Had a great experience with OneAssure during my insurance claim process. A special shoutout to Sunad Raj for his exceptional support, he was professional, responsive, and guided me every step of the way. Thanks to his consistent follow-ups and clear guidance, the entire claim settlement was smooth and hassle-free. Highly recommend OneAssure for their service and transparency!

Sanjay Dakalia

The team is very professional and prompt. I would have all my health and life insurance needs met through them.

Harish Jindal

Very professional service from Ruchir & Aman. They were recommended by a friend who had a positive experience with them. I have taken both health and life policies through them and they have advised me well throughout the process and found the best options available in the market. I had a medical condition due to which it was difficult to find a suitable health policy in the market, however this team was able to find one for me. I would recommend their services to anyone looking to buy health or life insurance.

Siddhartha Saha

Wonderful experience with Prost. Right from suggesting the insurance products to claim process the entire experience hai been seamless. They do not mis-sell and are very transparent. Sundar Raj from the team has been wonderful and ensured prompt guidance. All the best Ruchir and keep up the good work!

Adarsh Ravindranathan

swipe

Inclusions and Exclusions

Inclusions and Exclusions of Axis Max Life Insurance Co. Ltd

Terminal Illness

Get free coverage against the diagnosis of Terminal Illness and accelerate payout up to Rs. 1 crore. No additional premium to be paid

Premium Payment Customizations

The policy term is 50 years initially, with premium terms reducing from 15 to 5 years over different policy years.

Return of Premium Variant

Refunds 100% of premiums paid if the policyholder survives the term.

Special Exit Value

Allows early exit with a refund of base premiums paid.

Death Benefit

The payout is the highest of the sum assured, 11 times the annualized premium, or 105% of total premiums paid (excluding taxes and rider premiums).

Joint Life Option

Covers both spouses, continuing coverage for the spouse after demise.

Terminal Illness

Get free coverage against the diagnosis of Terminal Illness and accelerate payout up to Rs. 1 crore. No additional premium to be paid

Premium Payment Customizations

The policy term is 50 years initially, with premium terms reducing from 15 to 5 years over different policy years.

Return of Premium Variant

Refunds 100% of premiums paid if the policyholder survives the term.

Exclusions

Suicide within 12 months of policy inception or revival results in limited payout.
Death due to participation in hazardous activities like adventure sports may be excluded.
Pre-existing medical conditions not disclosed at policy issuance may lead to claim rejection.
Death due to alcohol or drug abuse may not be covered.
Involvement in criminal activities leading to death is excluded.

Claim Process

Claim Settlement Process

Steps and flow followed by the insurer.

Term Cover Calculator

Insurance Premium Calculator

Our insurance experts are here to help you make the right choice with personalized recommendations.

Term Cover Calculator

Age

Cover Till

Monthly Expenses

Current Annual Income

Current Savings

Outstanding Loans

How to Buy

Purchase flow from OneAssure.

Things to Remember

Keep KYC documents and nominee details ready before purchase.

Renewal

Renewal steps and key points.

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.