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  • Max Life Maxis Super Plan

    Max Life Insurance

    When you have worked hard to save for a secure future for your family, and to provide them with the best. This plan Max Life Maxis Super will maximize your savings to make yourself capable to live life to the fullest, giving you the ability to fulfill your wishes, and accomplish your dreams.

    Features of Max Life Maxis Super ULIP:

    The main features of the Max Life Maxis Super is to help you plan your finances by balancing the equity and debt exposure so that you enjoy your future years fully.

    1. This plan provides the policyholder protection coverage on the basis of his age.
    2. Allows you to choose a premium payment of your choice at your convenience.
    3. Give you a choice 5 funds with different investors with different risk appetites.
    4. Provides you with the ability to protect your investments against market volatility, with their dynamic asset allocation mechanism.
    5. This plan even makes up for those sudden expenses you need taken care of urgently, with partial withdrawals.

    This plan also helps in:

    Creation of wealth with your funds being safe

    By investing the right amount into different funds or redirecting to a savings fund.

    Premium payment for short terms

    You can choose a premium payment terms for 7 or 10 years as per your need.

    Protection flexibility

    You can choose the insurance cover to be 11/15/20 times the annual premium, this is decided on your age.

    The benefits of the Max Life Maxis Super:


    Illustration @ 4%

    Illustration @ 8%

    Maturity Benefit (Fund Value)

    Rs. 7,94,935

    Rs. 12,94,766

    Death Benefit

    Sum Assured + Fund Value as on the Date of Death, subject to a minimum of 105% of all premiums paid

    Eligibility Conditions:

    Age at Entry

    35 Years

    Annualised Premium

    Rs. 1,00,000

    Premium Payment Term

    7 Years

    Sum Assured Multiple

    11 times the Annualised Premium

    Sum Assured

    Rs. 11, 00, 000

    Investment Option

    Dynamic Fund Allocation

    Investment of Funds:

    Dynamic Fund Allocation, can be opted at the time of the inception of the policy. Under this option, the assets management will be maintained amongst Growth Super Fund and other Secure Fund in a predefined proportion that changes depending upon the years left to maturity. The allocation helps in balancing the equity and debt exposure by automatically allocating your funds as per the pre-determined percentages mentioned below.

    Years to maturity

    Assets managed and maintained under Growth Super Fund

    Assets managed and maintained under Secure Fund

    11 - 15 years



    6 - 10 years



    0 - 5 years



    Charges Involved in the Plan:



    Premium charges allocation

    This is expressed as a percentage of the premium

    Payment terms

    Policy in years 1 - 5

    Policy in years 6 and above

    7 years pay



    10 years pay



    Fund management charges

    This a charged levied again as a percentage of the assets and is an appropriation

    Fund name

    Fund value charges as a percentage per annum

    Growth Super Fund


    Growth Fund


    Balanced Fund


    Conservative Fund


    Secure Fund


    Policy charges - Administration

    Charges for both pay variants from date of commencement, and is levied at each monthly anniversary.

    Mortality charges

    Mortality charges are levied for provided risk charges on the life insurance during the policy term. This is charged on per Rs. 1, 000 of the sum assured

    Age in years





    Mortality charges





    Switching charges

    12 switches are allowed per policy year, free of charge

    Redirection of premium charges

    6 redirection of premium are allowed per policy year free of charge

    Partial withdrawal charges

    After the first 5 years of the policy, 2 partial withdrawals are allowed per policy year free of charge

    Premium Discontinuation:

    With this plan you will be charges for discontinuation of the policy, the charges will be levied on the Fund value at the time of discontinuance. If the policy is discontinued the charges will be lower than the below.


    Percentage of the annual premium

    Percentage of the Fund value

    Fixed amount

    1st policy year



    Rs. 6, 000

    2nd policy year



    Rs. 5, 000

    3rd policy year



    Rs. 4, 000

    4th policy year



    Rs. 2, 000

    5th policy year




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