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Max Life Insurance

Reduce your taxable income by up to Rs. 1.5 Lakh under Sec.80C
Pay premiums monthly, quartely, half-yearly or annualy
Enhance your cover through riders like permanent disability/accidental death rider

Max Life Insurance Company with a claim settlement ratio of 98.26% is one of the leading insurance companies in India offers different types of insurance products ranging from protection plans to products offering the benefits of both protection and savings.

A joint venture between Mitsui Sumitomo Insurance Company Limited and Max Financial Services Limited, Max Life Insurance is one of the leading insurance providers in the country. Mitsui Sumitomo Insurance Company Limited is part of MS&AD Insurance Group – one of the world’s leading insurance providers, and Max Financial Services Limited is a member of Max Group – one of India’s biggest multi-business corporations. Max Life Insurance provides customer with a number of options when it comes to offering comprehensive retirement, protection and long-term savings solutions.


Benefits of Max Life Insurance:

Max Life Insurance not only offers a variety of plans and policies that can help in meeting the financial requirements of an extensive customer base, but it also has a quality distribution system in addition to multi-channel distribution partners. Over the past 15 years or so, Max Life has developed a strong reputation and gained stability as proven by a sturdy track record in recent years. The company has tied up with a number of industry experts, and, as a result, customers can avail superior investment advice.

The company hopes to become the most admired life insurance company by securing the financial future of its customers. Also helping the company’s cause towards achieving its goals is its strong customer-centric approach that concentrates on providing quality service and advice-based sales which it hopes to deliver via its extraordinary human capital.

Different Types of Life Insurance Policies Offered by Max Life:

Max Life has a large portfolio with a number of different plans that cater to an extensive customer base. Regardless of what features and benefits you may be looking for, Max Life has all the solutions you need. Following are the various Life insurance plans offered by Max Life.

Online Insurance Plans
  • Max Life Online Term Plan Plus
  • Max Life Cancer Insurance Plan
Child Insurance Plans
  • Max Life Future Genius Education Plan
  • Max Life Shiksha Plus Super
Savings and Income Plan
  • Max Life Monthly Income Advantage Plan
  • Max Life Assured Wealth Plan
  • Max Life Guaranteed Income Plan
  • Max Life Whole Life Super
  • Max Life Life Gain Premier
  • Max Life POS Guaranteed Benefit Plan
Term Insurance Plans
  • Max Life Super Term Plan
  • Max Life Premium Return Protection Plan
  • Max Life Online Term Plan Plus
Retirement Plans
  • Max Life Forever Young Pension Plan
  • Max Life Guaranteed Lifetime Income Plan
  • Max Life Perfect Partner Super
Group Insurance Plans
  • Max Life Group Credit Life Premier
  • Max Life Group Gratuity Premier Plan
  • Max Life Group Super Life Premier in Lieu of EDLI
  • Max Life Group Super Life Premier
  • Max Life Pradhan Mantri Jeevan Jyoti Beema Yojana
  • Max Life Group Credit Life Secure
Health Insurance Plans
  • Max Life Cancer Insurance Plan
ULIP Plans
  • Max Life Fast Track Super Plan
  • Max Life Platinum Wealth Plan

Online Insurance Plans:

There are two types of online insurance policies that Max Life Insurance currently offer. They are:

  • Online Term Insurance Plan

  • Cancer Insurance Plan

With the help of Max Life Online Term insurance plans, you can protect your family from any unforeseen events such as death or terminal illness. Term insurance plans provide sufficient and comprehensive coverage from major life risks and also provide the option of enhancing the existing cover with add-on benefits like critical illness rider.

Cancer insurance plan, like the name suggests, provides coverage against all types of cancer, irrespective of which stage it is in.

Child Insurance Plans:

Child insurance plans offered by Max Life Insurance essentially provide the components of both insurance and investment. At the end of each policy term, the child receives a lump-sum amount as life cover from Max Life Insurance. On top of that, these plans also provide payout benefits at regular intervals, to financially secure the important milestones of your child’s life. The plans also provide substantial financial coverage against unfortunate events such as terminal illness or death.

Different Types of Child Insurance Plans Offered by Max Life Insurance:
Type of the Plan Minimum and Maximum Age of Entry Basic sum assured Premium payment term (PPT) Policy term
Max Life Future Genius Education Plan
  • Minimum age of entry - 21 years as of the life insured’s last birthday
  • Maximum age of entry - 45 years as of the life insured’s last birthday
Minimum sum assured:
  • For 8 pay variant - Rs.3.27 lakh
  • For limited pay variant - Rs.2.12 lakh (this number will be subject to minimum premium limitations)
The plan offers two premium payment term alternatives:
  • For 8 pay variant - 8 years’ PPT
  • For limited pay variant - the PPT will be 3 years less than the policy term
The policyholder will have the option to choose a policy term from 13 years to 21 years
Max Life Shiksha Plus Super
  • Minimum age of entry - 21 years as of the last birthday
  • Maximum age of entry - 50 years as of the last birthday
  • Additionally, the life insured (who is also the policyholder) will also be required to have a child aged 0-18 years
Minimum sum assured:
  • For 5-pay policies - Rs.5 lakh
  • For regular pay policies - Rs.2.50 lakh (if premium payment mode is annual) and Rs.4.80 lakh (if premium payment mode is non-annual)
  • For 5-pay variants - the premium payment term (PPT) will be 10 years
  • For regular pay variants - the premium payment term will range between 15 years and 25 years
The available policy terms one can choose from are 10 years, 15 years, to 25 years

Savings and Income Plans:

The savings plans offered under Max Life Insurance essentially help people develop a disciplined saving habit, and they also provide guaranteed returns, either as monthly income or as a lump-sum payout. The steady flow of returns depends on the need and the policy chosen by the respective individuals. Furthermore, these plans are also beneficial as they provide death benefits, rider benefits (like terminal illness benefits), tax benefits, and so on. These plans are most suitable for people who are the sole breadwinners of their families and want to ensure financial security for them.

The different types of savings and investment plans offered by Max Life Insurance are mentioned below:

Type of the Plan Minimum and Maximum Age of Entry Basic Sum Assured Premium Payment Term (PPT) Policy Term
Max Life Monthly Income Advantage Plan Minimum age of entry - 18 years as on the last birthday Maximum age of entry:
  • For a 12-pay variant, the maximum age of entry will be 55 years
  • For a 15-pay variant, the maximum age of entry will be 50 years
Minimum sum assured:
  • For a 12-pay variant - minimum sum assured = Rs.3.24 lakh
  • For a 15-pay variant - minimum sum assured = Rs.4.05 lakh
Maximum sum assured - No limitations (subject to underwriting policy of the company)
The available premium payment terms one can choose from are 12 years and 15 years The available policy terms one can choose from are:
  • For 12-pay variant, policy term = 22 years (a year added to the premium payment term)
  • For 15-pay variant, policy term = 25 years (a year added to the premium payment term)
Max Life Assured Wealth Plan
  • Minimum age of entry - 8 years as of the last birthday of the life insured
  • Maximum age of entry - 55 years as of the last birthday of the life insured
  • Guaranteed minimum sum assured on maturity of the policy = Rs.1.97 lakh
  • Guaranteed maximum sum assured on maturity = subject to underwriting policy of the company
The available premium payment term (PPT) is 5 years The available policy term under the plan is 10 years
Max Life Guaranteed Income Plan Minimum entry age - 25 years as of last birthday of the life insured Maximum entry age:
  • 60 years
  • 55 years
The Guaranteed Sum Assured on Maturity (GSAM) is paid by the company to the policyholder upon completion of the policy term The available premium payment terms one can choose from are 6 years and 12 years The available policy terms one can choose from are 6 years and 12 years (same as PPT)
Max Life Whole Life Super
  • Minimum entry age - 18 years as of last birthday of the policyholder
  • Maximum entry age - 50 years as of last birthday of the policyholder
  • Minimum guaranteed sum assured on maturity (GSAM) = Rs.50,000
  • Maximum guaranteed sum assured on maturity (GSAM) = No limitations (also subject to underwriting policies of the company)
The available premium payment terms one can choose from are 10 years, 15 years, or 20 years The policy is a whole life policy, which means it will be valid until 100 years of age of the life insured
Max Life Life Gain Premier Minimum age of entry - 18 years as of last birthday of the policyholder Maximum age of entry:
  • For a 15/20-year policy term, maximum entry age = 55 years
  • For a 25-year policy term, maximum entry age = 50 years as of last birthday of the policyholder
The policyholder (or the life insured) will be entitled to a Guaranteed Sum Assured on Maturity (GSAM) at the end of the policy term
  • For a 15-year policy term, PPT = either 6 or 8 years
  • For a 20-year policy term, PPT = either 6, or 8, or 10 years
  • For a 25-year policy term, PPT = 12 years
The available policy terms that one can choose from are 15, 20, and 25 years
Max Life POS Guaranteed Benefit Plan
  • Minimum age of entry - 18 years as of last birthday of the life insured
  • Maximum age of entry - 50 years as of last birthday of the life insured
Guaranteed sum assured on maturity:
  • Minimum GSAM = Rs.92,285
  • Maximum GSAM = Rs.6.95 lakh
The available premium payment term under the policy is 5 years The available policy term under the plan is 10 years

Term Insurance Plans:

Term insurance policies are considered to be pure protection plans as they do not incorporate the investment element. Term plans are effectively simple to understand, demand cheaper premiums, and also provide financial security to the family of the policyholder in case of his/her absence. Term plans offer life cover that an individual is free to choose, depending on the financial needs of his/her family. There is no lump-sum amount involved as term plans are predominantly insurance plans, however, if the policyholder passes away while the policy is still in force, the insurer provides a lump-sum payout to the family to tide over financial losses.

The different types of term insurance plans offered by Max Life Insurance are mentioned below:

Type of the Plan Minimum and Maximum Age of Entry Basic Sum Assured Premium Payment Term (PPT) Policy Term
Max Life Super Term Plan
  • Minimum age of entry - 18 years as of last birthday of the life insured
  • Maximum age of entry - 65 years as of last birthday of the life insured
  • Minimum guaranteed sum assured - Rs.25 lakh (this amount is subject to minimum premium limitations)
  • Maximum guaranteed sum assured - No limitations (subject to the underwriting policies approved by the Board)
The available premium payment terms that one can choose from are 10 years and 25 years. This is a regular premium paying plan
  • Minimum policy term that can be chosen = 10 years
  • Maximum policy term that can be chosen = 35 years
Max Life Premium Return Protection Plan Minimum age of entry - 21 years, for all policy terms Maximum age of entry:
  • For a 20-year policy term, maximum entry age = 55 years as of last birthday of the life insured
  • For a 25-year policy term, maximum entry age = 50 years as of last birthday of the life insured
  • For a 30-year policy term, maximum entry age = 45 years as of last birthday of the life insured
  • Minimum sum assured = Rs.5 lakh (subject to minimum premium limitation)
  • Maximum sum assured = Rs.1 crore
The plan offers a premium payment term (PPT) of 11 years that policyholders can opt for The available policy terms that one can choose from are 20 years, 25 years, and 30 years

Retirement Plans:

The retirement plans offered by Max Life Insurance essentially help people lead a certain lifestyle after their working income comes to a halt. Individuals can either choose a lump-sum benefit at the end of the policy term, or annuity plans. In annuity plans, the insurer provides monthly payouts as pension benefits to the insured. Individuals who invest in such plans are required to give away a portion of their earnings from their income, so that they are able to make use of that saving during their retirement years. This saving can be withdrawn either in parts or in whole, depending on the insured. Since retirement plans offer the benefits of both protection and insurance, they are ideal for one’s golden years.

The different types of retirement plans offered by Max Life Insurance are mentioned below:
Type of the Plan Minimum and Maximum Age of Entry Basic Sum Assured Premium Payment Term (PPT) Policy Term
Max Life Forever Young Pension Plan
  • Minimum age of entry - 30 years as of the last birthday
  • Maximum age of entry - 65 years as of the last birthday
A retirement corpus is provided by the insurer to the insured either in lump sum or as pension Regular pay and single pay are available as premium paying terms The policy is offered for a fixed term of :
  • 10 years (minimum)
  • 75 years (maximum)
Max Life Guaranteed Lifetime Income Plan
  • Minimum age of entry - 50 years. However, the minimum age is 55 years for policies that are sourced under Qualifying Recognized Overseas Pension Scheme or QROPS, according to Her Majesty’s Revenue & Customs pronouncements
  • Maximum age of entry - 80 years as of the last birthday
Annuity is paid to the annuitant by the insurer. The multiple annuity options available are:
  • Single life annuity for life (without death benefit)
  • Single life annuity for life with return of premium (ROP) payable upon death
  • Joint life annuity for life (without death benefit)
  • Joint life annuity for life with return of premium (ROP) payable during death of the last survivor
  • Minimum premium (purchase price) - minimum single premium will be subject to payment of at least Rs.1,000 as Minimum Annuity payout to the annuity policyholder
  • Maximum premium (purchase price) - No limitations
Two annuity terms are available under the plan:
  • Single life variant
  • Joint life variant
Max Life Perfect Partner Super Minimum entry age - 91 days as of last birthday Maximum entry age -
  • For 7 and 10-year premium payment term, maximum entry age = 55 years
  • For 15-year premium payment term, maximum entry age = 50 years
  • For 20-year premium payment term, maximum entry age = 45 years
  • Minimum guaranteed sum assured - Rs.50,000 (subject to limits of minimum premium)
  • Maximum guaranteed sum assured - No limitations (subject to approved underwriting policies of the Company)
The plan offers fixed premium payment terms (PPT) of 7, 10, 15, and 20 years The policy will remain in force till the policyholders attain 75 years in age

Group Insurance Plans:

In order to promote benefits of life insurance and increase the percentage of insured individuals in the country, multiple organisations, groups, and corporates have started providing comprehensive life and health insurance policies to their employees in one go. Companies provide insurance policies ranging from health and savings plans to insurance and group gratuity plans. These plans have diverse, distinctive characteristics and they offer widely different benefits, most suitable for the policyholders. This approach is implemented in order to cover all the facets of investment and savings, to eventually impart complete financial security to the members.

The different types of group insurance plans offered under Max Life Insurance are mentioned below:
Type of the Plan Minimum and Maximum Age of Entry Basic Sum Assured Premium Payment Term (PPT) Policy Term
Max Life Group Credit Life Premier Minimum age of entry:
  • For education loans - 14 years as on the last birthday
  • For loans of other types - 18 years as on the last birthday
Maximum age of entry - 75 years and 77 years as on the last birthday of the policyholder
  • Minimum initial sum assured - Rs.5,000
  • Maximum initial sum assured - No limitations (subject to underwriting policies of the Company approved by the Board)
Single pay PPT is available under the plan
  • Minimum policy term - 2 years
  • Maximum policy term - 40 years
Max Life Group Gratuity Premier Plan
  • Minimum age of entry for employees - 18 years as on the last birthday
  • Maximum age of entry for employees - 74 years as on the last birthday
Each member under the plan receives a fixed life insurance cover of Rs.1,000. The minimum group size for the policy is 10 and there is no limitation for the maximum group size There are certain percentages under each investment fund that the group members will be required to pay. There are no premiums involved in group plans The scheme can be renewed after a duration one year from its inception
Max Life Group Super Life Premier in Lieu of EDLI
  • Minimum age of entry - 18 years as on the last birthday
  • Maximum age of entry - 74 years as on the last birthday
  • Minimum uniform sum assured for a single member of the group = Rs.6.01 lakh
  • Maximum sum assured for a single member of the group = Rs.6.10 lakh
Premiums for the plan are paid by the employer and the premium modes available are annual, quarterly, semi-annual, and monthly The policy will remain in force for a duration of one year, post which it can be renewed as per the relevant conditions
Max Life Group Super Life Premier Minimum age of entry - 18 years as on the last birthday Maximum age of entry - 74 years as on the last birthday Minimum basic sum assured: Rs. 6,01,000 per member Maximum basic sum assured: Rs. 6,10,000 per member There are no premium payment terms available under the plan as they are paid by the employer itself. The minimum premium amount is Rs.5,000 which excludes additional mortality, rider premium, taxes, and cesses The policy is offered for a fixed term of one year
Max Life Pradhan Mantri Jeevan Jyoti Bima Yojana
  • Minimum entry age - 18 years as on the last birthday
  • Maximum entry age - 50 years as on the nearest birthday of the policyholder
  • Minimum sum assured for a single member of the group - Rs.2 lakh
  • Maximum sum assured for a single member of the group - Rs.2 lakh
There are no premium payment terms involved under the plan. The premium payment mode available is annual only The policy is offered for a fixed term of one year
Max Life Group Credit Life Secure Plan
  • Minimum entry age - 15 years as on the last birthday
  • Maximum entry age - 75 years as on the last birthday
  • Minimum sum assured for a single member of the group - Rs.5,000
  • Maximum sum assured - No limitations (subject to Board-approved underwriting policies of the Company)
The premium payment term under the policy is single pay only
  • Minimum policy term - 2 years
  • Maximum policy term - up to 77 years as on the last birthday (subject to a maximum period of 30 years)

Health Insurance Plans:

The health insurance plans offered under Max Life Insurance essentially ensure that all medical expenses of the members in the group are covered, especially during unforeseen events like accident. Any other illnesses, like critical illnesses are also covered under the plan offered by Max Life. In order to cover medical costs extensively and tide over the financial losses incurred during the event, Max Life Insurance offers health plans that cover outpatient expenses and certain medical procedures as well.

The health plan offered under Max Life Insurance has been mentioned below:
Type of the Plan Minimum and Maximum Age of Entry Basic Sum Assured Premium Payment Term (PPT) Policy Term
Max Life Cancer Insurance Plan
  • Minimum age of entry - 25 years as on the last birthday of the policyholder
  • Maximum age of entry - 65 years as on the last birthday of the policyholder
  • Minimum sum insured = Rs.10 lakh
  • Maximum sum insured = Rs.50 lakh
The sum insured can be chosen by the policyholder at the intervals of Rs.5 lakh only
The premium payment term available for the plan is regular and is equivalent to the policy term
  • Minimum policy term = 10 years
  • Maximum policy term - 40 years

ULIP Plans:

The ULIP plans offered under Max Life Insurance fundamentally incorporate the elements of both insurance and investment, thereby providing the policyholders the chance to invest in multiple financial products such as stocks, bonds, mutual funds, and so on. These investments yield huge returns for the insured while simultaneously providing a protection cover as well. ULIPs are highly suitable for people who want to invest in high-yielding products while balancing their fund with debt and equity components, with the choice to make a switch in case the market undergoes a change in the future.

The multiple ULIP plans offered under Max Life Insurance are mentioned below:
Type of the Plan Minimum and Maximum Age of Entry Basic Sum Assured Premium Payment Term (PPT) Policy Term
Max Life Fast Track Super Minimum age of entry - 18 years as on the last birthday Maximum age of entry -
  • For single pay or 5-pay policies, maximum age of entry = 60 years as on the last birthday
  • For regular pay policies, maximum age of entry = 50 years as on the last birthday
Minimum fixed sum assured:
  • For single pay policies, minimum sum assured = Rs.1.25 lakh
  • For 5-pay policies, minimum fixed sum assured = Rs.5 lakh
  • For regular pay policies, minimum sum assured = Rs.2.50 lakh
The premium payment terms (PPT) available under the plan are single pay, 5-year pay, and 20 years for regular pay The policy is offered for a fixed term of 10 years for single pay and 5-pay policies, and 20 years for regular pay policies
Max Life Platinum Wealth Plan Minimum entry age:
  • For single and limited (5-year) pay policies, minimum entry age = 18 years as on the last birthday
  • For regular pay policies, minimum entry age = 18 years as on the last birthday
Maximum entry age:
  • For single and limited (5-year) pay policies, maximum entry age = 60 years as on the last birthday
  • For regular pay policies, maximum entry age = 55 years as on the last birthday
Sum assured multiple:
  • For single pay policies, sum assured multiple = single premium amount X 1.25
  • For limited and regular pay policies, sum assured multiple = Higher of (10 times annualised premium or 0.5 X Policy Term X Annualised Premium)
  • For a 10-year policy term, premium payment term (PPT) = single pay
  • For a 10-20 year policy term, premium payment term (PPT) = limited pay (5 years)
  • For a 10-20 year policy term, premium payment term (PPT) = regular pay
The policy is offered for fixed terms of either 10 or 20 years

How to Claim Insurance with Max Life:

In case of a death claims, customers will have to be ready with the following documents:

Compulsory documents required:

Original policy documents:

  • Original / Attested copy of Death Certificate Issued by local municipal authority.
  • Death Claim Application Form (Form A)
  • NEFT Mandate form attested by bank officials in addition to a cancelled cheque or bank account passbook.
  • Beneficiary's photo identity proof like copy of passport, PAN card, Voter identity card, Aadhar (UID) card etc.

Additional documents (as per the cause of death)

  • Medical / Natural death:
    • Attending Physician's Statement (Form 'C').
    • Medical records (Admission notes, Discharge/ Death Summary, Test reports etc.)
  • Accidental/ Unnatural Death:
    • Copy of the First Information Report (FIR) or Panchanama / Police Complaint.
    • Copy of Post Mortem Report (PMR) / Autopsy and Viscera report.
    • Copy of the Final Police Investigation Report (FPIR)/Charge sheet.

Documents Required in case of Group Claims

  1. For Employer Employee Policies
  • Claim Form (GTL Employer Employee, EDLI, Gratuity) as applicable.
  • Original/Attested copy of Death Certificate issued by municipal authorities.
  • EFT Mandate form to be completed by nominee / policyholder along with the copy of the cancelled cheque wherein the name of the account holder is printed or copy of Bank pass book.
  1. For Non Employer Employee Policies

Compulsory documents required

  • Certificate of Insurance.
  • Original / Attested copy of Death Certificate Issued by local municipal authority.
  • Claim Form (Lender Borrower/Non Lender Borrower) as applicable.
  • NEFT Mandate form attested by bank authorities in addition cancelled cheque or bank account passbook.

Additional documents (as per the cause of death)

  • Medical / Natural death:
    • Attending Physician's Statement (Form 'C').
    • Medical records (Admission notes, Discharge/ Death Summary, Test reports etc.)
  • Accidental/ Unnatural Death:
    • Copy of the First Information Report (FIR) or Panchanama / Police Complaint.
    • Copy of Post Mortem Report (PMR) / Autopsy and Viscera report.
    • Copy of the Final Police Investigation Report (FPIR)/Charge sheet.

To start the claims process with Max Life, the policyholder / nominee will have to intimate the insurance company about the claim by either writing to the insurer via their insurance agent, or dropping off their written communication at the nearest branch of Max Life Insurance Company Limited, or by sending an email. Written communication can also be sent to Max Life Insurance Operations Centre – Claims Department, Max Life Insurance Company, Operations Center – 2md Floor, 90A, Sector 18, Udyog Vihar, Gurgaon – 122015, India.

Once you have intimated the insurance company, you will have to download the claim forms from the Claims Section of the company’s official website or by visiting the nearest Max Life branch. Make sure that all claim forms are filled in correctly as the presentation of false / fraudulent information can result in a rejection of claims. Also make sure that all the documents required are attested along with the claim form which must be submitted at the nearest branch of the company. The company will then verify the details presented by you and settle the claims within 30 days of receiving the intimation.

Claim Settlement Ratio and Total Earned Premium of Max Life Insurance for the Year 2017-18

Claim Settlement Ratio 98.26%
Total Earned Premium (in Crore) Rs.12500.89 crore

For the year 2017-18, the annual report by IRDAI clearly highlights the fact that Max Life Insurance has yet again surpassed the claim settlement ratios of all other insurance companies in India. With a claim settlement ratio of 98.36%, Max Life has left behind eminent players from the insurance market such as Life Insurance Corporation of India (98.04%), ICICI Prudential Life Insurance (97.88%), Tata AIA Life Insurance (98.00%), and HDFC Standard Life Insurance (97.80%).

IRDAI report has further revealed that the number of rejected claims in the private insurance sector has gone down considerably from 4.85% to 3.97%.

Documents Required to Purchase A Max Life Insurance Policy:

Customers who wish to purchase a life insurance policy from Max Life will have to furnish the following documents:

  1. Proposal form
  2. Identity Proof
  3. Address Proof
  4. Any other documents as requested by Max Life Insurance Company Limited.

How to Check Max Life Policy Status:

In order to check the status of your Max Life insurance policy, you can log on to the official website of the company and login using your client ID or username, and password, in the space provided for Individual Policy Holder. Once you have logged in to the portal, you check your policy status by simply entering your policy details along with any other information requested by the page. In case you are a new user, you can register with Max Life by providing the requested details.

Customers can also check the status of their insurance policies by calling 1860 120 5577, or sending an email at service.helpdesk@maxlifeinsurance.com

Max Life Insurance Online Payment:

Customers who wish to make premium payments online can do so without the need for stepping outside their house and visiting a branch of Max Life Insurance Company Limited. All you need is a computer, an internet connection and a payment gateway. The company’s official website has a facility that allows customers to make premium payments online using Visa debit cards, net banking, and credit cards (Visa / MasterCard).

The process of making an online payment can be completed in three simple steps:

  1. Visit the company’s website and under the Customer Service section, click on Existing Customer and select Policy Renewal and enter your policy number along with your date of birth.
  2. Confirm your policy details.
  3. Select a payment gateway and make payment.

Customers can also log on to their bank’s website and transfer funds from their account directly to their insurance policy by using RTGS / NEFT. The following details must be entered while using RTGS / NEFT:

Beneficiary Name: Max Life Insurance Co. Ltd.

Beneficiary Credit Account Number: 1165 (followed by policy number)

Beneficiary Bank IFSC Code: HSBC0110002

Beneficiary Bank Name: HSBC Limited

Branch Name: Barakhamba Road, New Delhi – 110001

Max Life Insurance Premium Calculator:

To calculate the premium applicable to a Max Life insurance policy, just visit the company’s website, locate the calculator and enter the details required, such as policy name, sum assured, premium payment term and payment mode, age, policy term, gender, date of quotation, etc. and select ‘Calculate’. The result will appear on your screen immediately.

Max Life Insurance Customer Care:

Customer care forms an integral part of any life insurance organization where customer satisfaction can nearly make or break the reputation of the company. Max Life is one of the many insurers in India which has established a dedicated customer service division for enabling customers to get in touch with the company to resolve their grievances, get answers to their queries, or send their feedback. The insurer has set up multiple channels via which customers can get in touch with the customer care dept. to get in touch, customers can call on the helpline number to get on-call assistance, write in to the customer care on the designated email ID, locate an office or an agent from the official website, or request a call back from the customer care department. There is also a separate helpdesk that has been set up for NRI customers.

Max Life Insurance Frequently Asked Questions:

  1. What are the different premium payment options available with Max Life Insurance policies?

    A. Max Life Insurance Company offers policyholders a variety of premium paying options:

    • Online payments
    • Phone payments
    • Auto Debit facilities
    • Other modes of payment
  2. Can I change the premium paying mode in my Max Life insurance policy?

    A. Yes, the premium paying mode can be changed, but only on policy anniversaries for active policies. There is a form that needs to be signed and submitted for the same.

  3. How do I change the nomination / nominee in my Max Life Insurance policy?

    A. In order to change the nominee details in your Max Life Insurance policy, you must fill out a policy amendment request form and submit it to your nearest Max Life branch office.

  4. What types of riders are available with Max Life Insurance Policies?

    A. There are 4 riders available under Max Life’s product portfolio, which are:

    • Personal Accident Benefit Rider pays out a benefit amount in the event of an accident.
    • Accidental Death Rider Benefit provides a benefit pay-out in the unfortunate event of death by accident.
    • Dreaded Disease / Critical Illness Rider provides a benefit pay-out in case the policyholder contracts any of the critical illnesses mentioned in the rider document, or during surgery.
    • Waiver of Premium Rider Benefit: In case the policyholder dies / is rendered disabled due to accident, the premiums will be waived off.
  5. Are there any situations in which claims can be denied by Max Life Insurance Co. Ltd.?

    A. Yes. In case the policyholder fails to disclose any of the material information at the proposal (or reinstatement) stage, the claim will not be honoured – as this information could have affected the policy in many ways, and could even have resulted in the policy not being issued or revived.

    Non-fulfilment of the terms of the contractual terms and conditions could also be the reason that claims are denied.

  6. Can a loan be taken a Max Life Insurance policy?

    A. Yes, a loan can be taken out against your Max Life Insurance policy if the policy has acquired a Cash Surrender Value. The loan against the policy can be availed for up to 90% of this value, subject to a minimum availability of Rs.10,000. Loans can be taken after 3 policy years have been completed on active policies. Loans cannot be taken for policies in the grace period.

    There is no loan available for Max Life Term Plans and Life Marker Unit Linked Plan.

  7. What is OPPB and when can the option of exercising OPPB be utilized?

    A. OPPB refers to the Option to Participate in Progressive Bonuses. From time to time, payment of one-time premiums can enhance the insurance coverage. Although it is subject to underwriting guidelines, this option can be added to a Whole Life Par Plan at any time. If the OPPB plan is not opted for at least once every 2 years, it lapses.

  8. What documents are required in order to process a Maturity claim?

    • Original Policy Pack.
    • Copy of ID proof.
    • Form M.
    • For NEFT – cancelled cheque or a copy of the bank passbook with the banker’s attestation, or the banker’s attestation on Account Details in Form M.
  9. Does Max Life Insurance have any retirement plans?

    A. Yes, Max Life has the following retirement plans:

    • Max Life Forever Young Pension Plan.
    • Max Life Guaranteed Lifetime Income Plan.
    • Max Life Perfect Partner Super.
  10. Can I cancel my Max Life Insurance policy?

    A. Customers who wish to cancel their policy must visit the nearest branch of Max Life Insurance Company Limited along with the original policy document and request for a surrender of policy. The officials will request you to fill in certain forms after which you will receive an estimate of the surrender value of the policy. If you accept the value, your policy will be terminated immediately and you will receive the money you invested after deductions have been made towards stamp duty fees and other charges.

  11. When is my Max Life insurance policy considered lapsed?

    A. In case you fail to make premium payments on time, you will have to ensure that due premiums have been paid within the grace period granted by the company. Failure to make premium payments within the grace period will mean that your policy has lapsed and no benefits will be paid out on maturity. However, customers can revive their lapsed policies to ensure that they are eligible for benefits. To revive a lapsed policy, all you have to do is pay your outstanding premiums in addition to the interest charge levied by the company and your policy will be active again. However, it is the company that holds the sole discretion of determining whether or not a life insurance policy can be revived based on the particular situation of a customer.

  12. Can I apply for a Max Life Insurance policy online?

    A. Yes, you can make the most of an internet connection and online payment systems to purchase an insurance policy from Max Life without stepping outside your house.

  13. How do I make premium payments towards my Max Life insurance policy?

    A. Premiums can be paid directly in cash to the company by visiting a branch of the insurer, or via the internet using debit and credit cards or net banking to transfer funds through the company’s official website, or by a cheque that can be sent to the company’s main office.

Max Life Insurance
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News About Max Life Insurance

  • Unique proprietary tool launched by Max Life Insurance to ensure financial protection

    One of the fastest growing life insurance firms in the country, Max Life Insurance Co. Ltd., has launched a unique proprietary tool known as ‘My Protection Quotient’ (MyPQ) to strengthen its commitment to financial protection. The tool was designed to measure an individual’s financial protection level and to create awareness among families about financial protection. MyPQ will also promote the significance of term plans in securing the financial future of families. To understand the life goals and current financial situation of the customer, the tool will post a set of diverse questions. These questions are meant to seek inputs on an individual’s level of preparedness for all kinds of financial responsibilities, their existing life insurance cover, their awareness and ownership of life insurance products. The final output will be a number reflected on a scale of 100. A score to 0 to 25 is an indication of extremely poor financial protection while a score of 25 to 50 is an indication of a poor score. A moderate score is indicated by a score of 50 to 75 while a reasonable score is 75 to 100.

    11 June 2019

  • Power of Pink Hosted by Max Life Insurance to Raise Awareness About Cancer

    The founder of Nobility for Ability, Piya Bajwa and the private life insurance company, Max Life Insurance have come together to organise a very noble event known as the ‘Power of Pink’. This event has been organised in order to create more and more awareness about the early detection of cancer and for people to get comfortable with the idea of surviving cancer patients.

    The event that took place recently commenced with a power talk on Early Detection of Cancer, which was a discussion more than a talk. Creating cancer awareness is of utmost importance as people still remain to be hesitant when talking about the illness is concerned. The discussion was then followed by a fashion show in which the cancer survivors who attended the event walked the ramp.

    As a survivor of breast cancer itself, Piya Bajwa said that when she was detected with cancer, she received a lot of support from all her friends and family. Unfortunately, that is not the case with most women in India who are diagnosed with breast cancer or any other type of cancer, for that matter.

    8 April 2019

  • Survey Conducted by Max Life Insurance Places ‘India Protection Quotient at 35

    One of the leading private insurance companies in the world, Max Life Insurance, has announced that India remains to be a grossly underinsured country and people in India are still not equipped to deal with a financial instability caused by life events. Max Life Insurance recently conducted a survey called the ‘India Protection Quotient’ in which India scored a Protection Quotient of 35. This rating was given to India on a scale of 1-100.

    The survey by Max Life Insurance was conducted in association with Kantar and it essentially employed a three-dimensional approach in order to determine the policyholders’ level of protection, by carefully evaluating their ownership of life insurance, their level of awareness, and their mental and emotional preparedness around the whole notion of protection.

    The survey was conducted on a total population of nearly 4,566 respondents located in different areas and having different demographics. The age groups of the respondents varied tremendously as well. The survey sheds light on some of the most thought-provoking findings of the life insurance sector. It shows the triggers that people have in terms of purchasing a life insurance policy or a term plan.

    Overall, the survey has proven that recognising the potential of a life insurance policy is the need of the hour for the country of India. People need to start understanding the importance of safeguarding their family’s interests and future.

    8 March 2019

  • ‘India Protection Quotient’ Pegged at Mere 35 by Max Life Insurance

    One of India’s most well-renowned private life insurance company, Max Life Insurance, has revealed that India and its citizens remain to be grossly underprepared in case of financial instabilities caused by unforeseen life events. They recently conducted a survey known as the ‘India Protection Quotient’ or IPQ which has made a shocking revelation that urban Indian continues to be in a state of complete despair when it comes to being protected and insured. India’s IPQ stands at a mere number of 35 on a scale of 1-100.

    The survey was held in association with Kantar IMRB and it basically implemented a three-dimensional approach to the level of protection policyholders have in India. The survey evaluated the policyholders’ life insurance ownership, their levels of awareness, and the mental preparedness around the entire idea of being protected and insured.

    The survey was conducted on nearly 4,600 respondents who belonged from completely different demographics and age groups. The survey was conducted across 15 metropolitan cities and all the tier 1 cities of India. The survey has divulged certain facts that are thought-provoking and reveal people’s triggers and apprehensions towards life insurance.

    7 March 2019

  • Analjit Singh to become Max India & Life's non-executive chairman

    Analjit Singh, the founder shareholder and sponsor of Max Life Insurance Company and Max India, is all set to step in as the company’s non- executive chairman. The current chairman of Max, Rahul Khosla is at the end of his term and will retire this March.

    One of the stakeholders of the company stated that the move aims to send a message to the investors that as a sponsor, Singh is still engaged with the entities and will still be in touch with the stakeholders of the company. Last July, Singh was appointed as the non-executive chairman of Max Financial Services. After the new move, Singh will become the non-executive chairman of the majority of Max entities.

    15 February 2019

  • Max Life Expected to Strengthen Ties with Axis Bank

    Recently there has been a change in leadership in one of India’s top life insurance companies – Max Life Insurance. The new management since then has been in deep consideration of strengthening ties with Axis Bank. Max Life is primarily looking to deepen its distribution relationship with Axis Bank. Since Axis Bank has been accounting for nearly half of Max Life’s business, it only makes sense to deepen and foster the existing relationship between them. Axis Bank has also been the biggest lender for Max Life and the former does not have an insurance arm.

    While the new management has been surprisingly efficient ever since it came into establishment, the brand new CEO of Max Life said that the establishment has been keen on retaining its relationship with Axis Bank, which unfortunately terminates in the year 2021. Simultaneously, the private life insurance company has also invested Rs.150 crore in order to develop its proprietary channels, that include e-commerce, direct sales, and insurance agents.

    Max Life, in today’s date, is the sole insurance company that generates approximately a third of its premium income from banks in spite of not having any lenders within the said group. All the other insurance companies that have a major share of bankassurance do have a bank in the mentioned group.

    30 January 2019

  • InstaClaim Launched by Max Life Insurance to Give Out Death Claims Up to Rs.50 Lakh

    One of the leading life insurance companies currently operating in India, Max Life Insurance has recently launched an initiative known as InstaClaim that basically allows for claims up to Rs.50 lakh to be paid out in just the span of a single day. This policy, however, will only be applicable for those policyholders who have diligently provided all the required mandatory documents. Death claims will only be eligible for this initiative if the total term of the policy is three years and no further verification is required thereafter.

    According to the one of the reports released by IRDAI, Max Life Insurance has substantially bettered its improved claims ratio with each individual death claim from 97.81% to 98.26% during the current financial year. This has made Max Life Insurance one of those companies that have an extremely high claim settlement ratio. Claim settlement ratio is one of the most important parameters when it comes to judging life insurance companies. In case of health insurance, this element is known as incurred claims ratio. If the claim settlement ratio of a single life insurance company is 100%, that means it has successfully settled all the claims filed.

    If you are looking for an insurer to purchase life insurance policy from, checking their claim settlement ratio would be an ideal method to wrap your head around its capacity as an insurance company. Ensure that the CSR of the insurance company you have chosen is more than 90, at all points of time.

    25 January 2019

  • Max Life Insurance tops industry charts with highest claims paid ratio

    Max Life Insurance had the highest ratio of claims paid, topping the industry charts with 98.26% in the number of policies for the year 2017-2018, according to IRADI data. In this time period, the number of death claims received by Max Life was 10,330, with 10,152 being paid and 178 being repudiated. The company’s performance exceeds the industry average which was down to 97.68% in 2017-2018. The average for the overall private industry was 95.24%. Max Life has achieved this with a two-pronged strategy that involved underwriting of controls by leveraging technology and strengthening of the customer on-boarding process. Stringent steps were also taken out to screen out claims that were fraudulent. Out of the 178 claims that were rejected, only 3 were fraudulent claims. The remaining 175 were rejected because of non-disclosure of terminal illness. Partnering with startups helped in leveraging technology which also accelerated the learning curve of the company. Meticulous questioning at the on-boarding stage helped weed out fraudulent claims later. Fraudulent claims were also tackled by frequent revisions of the underwriting model which increased the catch rate, especially in high-risk policies. Tele-medical examinations were also initiated with the help of startups. In some places, video verification processes were also used before issuing a policy.

    22 January 2019

  • Max Life Insurance Welcomes Rahul Talwar as Its Brand New Marketing Head and Senior VP

    In what comes as a huge news for the staff members and employees of Max Life Insurance - the General Insurance Company, Mr. Rahul Talwar will hereon be leading the marketing team, while simultaneously taking on the roles and responsibilities as a senior vice president of the insurance firm.

    For now, Mr. Talwar will be based out of Max Life Insurance’s Gurugram office - which is the official corporate office. Mr. Talwar will henceforth report to Mr. Manik Nangia, Director-Marketing and Chief Digital Officer. Ushering in a new branding mechanism in Max Life, Mr. Rahul Talwar will be overseeing all the marketing activities conducted in the organisation and will additionally play a crucial role in accelerating the organisation and brand’s journey all across the touch points of the country.

    Keeping in mind the brand’s long-term objective, Mr. Rahul Talwar will also be working very closely with the leadership team in order to reinforce the company’s position and make a highly positive impact, while staying in tandem/line with its objectives.

    Commenting on this recently acclaimed success, Mr. Rahul Talwar said ‘It is an exciting time for the life insurance industry and I am thrilled to be working with a dynamic and highly successful team at Max Life Insurance.’ Talwar has a total of 14 years’ experience in the sector of FMCG where he was leading the marketing team for South Asia and India. Talwar has also had a minor stint with the Aditya Birla Group.

    30 October 2018

  • Max Life Savings Advantage Plan: Max Life Insurance’s Newest Offering

    Insurance provider Max Life Insurance has launched the Max Life Savings Advantage Plan. The plan is a non-linked participating life insurance plan which gives policyholders with the benefit of selecting the term of their premium payment, term of their policy, and systematic savings. The plan provides policy holders with the flexibility to build their wealth that could aid any financial assistance and protection in times of need.

    The Max Life Savings Advantage Plan gives the policy holder the means to fulfil short to medium term financial goals. The flexibility of the plan also allows policy holders to avail the death benefit or maturity benefit in lump sum or on in regular intervals across a 10 year period.

    Additionally, the plan offers a superior maturity benefit of 110% of the sum assured on maturity.

    11 September 2018

GST of 18% is applicable on life insurance effective from the 1st of July, 2017

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Max Life Insurance Reviews

Page 1 of 28 1 2 3 4 5
  • Max Life Insurance
    "Good"
    0.5 4.0/5 "Great!"
    I have taken a term insurance in MAX LIFE INSURANCE 2 years before. The policy is for 40 years. Now I am paying premium in the monthly package. While getting a policy my agent has given an information about the policy details. I use to do payments through an online. The policy coverage up to myself.
    Was this review helpful? 0
    , chennai
    Reviewed on Jun 14, 2019
  • Max
    Max Life Insurance
    "Pretty Good Policy"
    0.5 4.0/5 "Great!"
    I pay the premium amount of Rs. 50000 every year. Total term period is 12 years. I took the life insurance policy from Met LIFE. Once the maturity is over, i will get Rs. 6000 for every month for the next 10 years. This is a fixed value with guaranteed along with that 4% or 5% appreciation amount i will get which is an optional one. I make the premium through online.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jun 14, 2019
  • Max Life Insurance
    "Good Service"
    0.5 5.0/5 "Blown Away!"
    I have taken life Insurance through Max life it is a Maturity benefit policy is for the tenure of 15years .The premium is paid online ,The premium is amount is Rs. 36000.The premium is paid on yearly basis ,policy is still active and the agent gave all the relevant details about the policy .
    Was this review helpful? 0
    , ahmedabad
    Reviewed on Jun 07, 2019
  • Max Life Insurance
    "Good Service"
    0.5 4.0/5 "Great!"
    I have taken Life Insurance policy through Max Life directly This is a maturity policy is for the tenure of 10 years ,The premium is monthly basis,premium is very nominal ,The premium paid was yearly and then i have changed it as now monthly basis , Axis bank referred this Max life policy .I have received the policy documents on time.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jun 02, 2019
  • Max Life Insurance
    "Good Service"
    0.5 4.0/5 "Great!"
    I have taken Life Insurance policy through Max Life Insurance company directly.This is a maturity policy ,it is for the tenure 15years ,premium is very nominal ,policy documents got on time ,it will be closed after 15years.I have got all the required information about the policy .This policy is very useful .
    Was this review helpful? 1
    , bangalore
    Reviewed on Jun 02, 2019
  • Max Life Insurance
    "Good Service"
    0.5 2.0/5 "Expected more"
    I have taken Life insurance policy directly taken through Max Life Insurance company .The agent gave all information about the life insurance through the agent ,it is for the tenure of 8years ,The premium is paid through online ,premium is very nominal policy documents received on time ,The agent gave all the details .so far not faced any difficulties , I have closed this policy .
    Was this review helpful? 0
    , bangalore
    Reviewed on May 30, 2019
  • Max Life Insurance
    "Good Service"
    0.5 5.0/5 "Blown Away!"
    I have taken Max Life insurance year policy through Online ,it is valid till age 50 years and i need to pay till 60years ,policy documents got on time ,The agent gave all information about the policy .The payment is done through online and using credit card for making the payment.
    Was this review helpful? 0
    , mumbai
    Reviewed on May 29, 2019
  • Max Life Insurance
    "Better"
    0.5 4.0/5 "Great!"
    I have been paying the premium recently with MAX LIFE for the term plan. The premium is good and they are providing better benefits than other insurer. The customer service is good. I make monthly premium of Rs.1900 through online. They have explained about the policy well.
    Was this review helpful? 0
    , jaipur
    Reviewed on May 29, 2019
  • Max Life Insurance
    "GOOD"
    0.5 3.0/5 "Satisfactory"
    I have purchased the life insurance policy with the MAX LIFE INSURANCE where using it since from last 3 years the policy has the coverage for self and i have purchased the pension plan with this policy. The customer support is good also it is a good policy to use.
    Was this review helpful? 0
    , mumbai
    Reviewed on May 28, 2019
  • Max Life Insurance
    "Good"
    0.5 4.0/5 "Great!"
    I have taken a life insurance in MAX LIFE INSURANCE for the past 3 years ago. The policy is for 30 years. Now I am paying premium in the yearly package. While getting a policy my agent has given an information about the policy details and provided hard copy documents as well. I use to do payments through an agent. The coverage up to myself.
    Was this review helpful? 0
    , jaipur
    Reviewed on May 26, 2019
  • Max Life Insurance
    "Good"
    0.5 4.0/5 "Great!"
    I have taken a life insurance in MAX LIFE INSURANCE. The policy is for 20 years. Now I am paying premium in the yearly package. While getting a policy my agent has given an information about the policy details. The coverage for my whole family members. Through an online I used to payments.
    Was this review helpful? 0
    , hyderabad
    Reviewed on May 24, 2019
  • Max Life Insurance
    "Best way to protect the family"
    0.5 5.0/5 "Blown Away!"
    I have term plan with Max life, per month I make Rs. 1900 it has term upto 50 years old, the sum assured for Rs. 1 crore to protect my family. I checked the claim settlement and grievance resolved ratio its good. They need improvement on support remain all fine, they do have waiver on the critical illness and disability.
    Was this review helpful? 0
    , pune
    Reviewed on May 21, 2019
  • Max Life Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I have purchased the life insurance policy with the MAX LIFE INSURANCE where the policy has the maturity period of 25 years also the coverage is for self. The premium paying for yearly once added on that i am using it since from last 1-15 years policy.
    Was this review helpful? 0
    , new delhi
    Reviewed on May 20, 2019
  • Max Life Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    MAX LIFE INSURANCE is the insurance company where i am holding the ENDOWMENT POLICY since from last 10 years the policy has the coverage for self and the policy has the maturity period of 20 years. The documentation process was simple and good.
    Was this review helpful? 0
    , new delhi
    Reviewed on May 20, 2019
  • Max Life Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I am using from last 1 year the life insurance with the MAX LIFE INSURANCE documentation process was done through the online. The customer support explained the policy details. The maturity period is for 25 years and paying the premium yearly once, coverage for self. It has the coverage of little premium higher with disability.
    Was this review helpful? 0
    , kolkata
    Reviewed on May 19, 2019
  • Max Life Insurance
    "Good flexible investment"
    0.5 5.0/5 "Blown Away!"
    Its some thing like a money back plan, I need to pay the premium for six year then Max Life will provide the bonus interest hence its so flexible for me. I make the premium around Rs. 52,000 per annum and its really good for the tax saving and life coverage.
    Was this review helpful? 0
    , gurgaon
    Reviewed on May 15, 2019
  • Max Life Insurance
    "GOOD"
    0.5 4.5/5 "Excellent!"
    I have purchased the life insurance policy with the MAX LIFE INSURANCE where the maturity period of this policy is for 20 years also the policy coverage is for self. The premium paying for yearly once added on that the policy has the life coverage.
    Was this review helpful? 0
    , pune
    Reviewed on May 13, 2019
  • Max Life Insurance
    "GOOD"
    0.5 5.0/5 "Blown Away!"
    I am using the life insurance policy with the MAX LIFE INSURANCE where the where the policy has the coverage for family added on that the maturity has the long term plan and it is has the life coverage also the accidental coverage with this policy.
    Was this review helpful? 0
    , kolkata
    Reviewed on May 10, 2019
  • Max Life Insurance
    "NOT SATISFIED"
    0.5 1.0/5 "Really Bad"
    It is not good the life insurance with the MAX LIFE INSURANCE because the premium not paid with this policy and asked for closing then they have given return money after detecting the one month premium. It is the child plan. Maturity period is for 16 years. I am using from last more than 7-8 yeras.
    Was this review helpful? 0
    , new delhi
    Reviewed on May 08, 2019
  • Max Life Insurance
    "BETTER"
    0.5 3.0/5 "Satisfactory"
    I have purchase the EULIP PLAN with the MAX LIFE INSURANCE where i am using it since from last 10 years the maturity period of this policy is for 10 years and i got the policy matured and sot the sum assured too, The premium paid was yearly once with this policy.
    Was this review helpful? 0
    , new delhi
    Reviewed on Apr 29, 2019
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