MAX

Smart Secure Plus

Max Life

Longest coverage with premium waiver

Sum Insured₹50 Lakhs - ₹10 Crores
PremiumStarting ₹520/month for ₹1 Cr
Claim Ratio99.3%

About Smart Secure Plus

Max Life Smart Secure Plus offers coverage till age 99, highest claim ratio in the industry at 99.3%, and comprehensive rider options.

Key Features

Cover till age 99 years
99.3% claim settlement ratio
Return of premium option
Cancer cover included
Premium waiver on critical illness
Flexible payout options
Joint life option
Special rates for non-smokers

Eligibility

AgeEntry: 18-60 years, Policy till 99 years
Sum Insured₹50 Lakhs to ₹10 Crores
Medical TestRequired for most applicants
Waiting PeriodNone for term insurance

What's Covered

Death benefit
Terminal illness
Cancer care cover
Accidental death (with rider)
Critical illness (with rider)

Exclusions

  • Suicide within first year
  • Death from hazardous activities
  • War and terrorism

Pros & Cons

Advantages
  • Longest coverage period (till 99)
  • Highest claim settlement ratio
  • Cancer cover included
  • Premium waiver benefit
  • Joint life option for couples
Disadvantages
  • Premium slightly higher
  • Medical tests mandatory

Frequently Asked Questions

Max Life has stringent underwriting and transparent practices. They also have dedicated claim settlement teams and follow IRDAI guidelines strictly, resulting in 99.3% claims being paid.

If diagnosed with specified cancer, you receive 10% of sum assured immediately. Remaining cover continues to protect your family. This is included at no extra cost.

Yes, Max Life offers joint life option where both partners are covered under one policy. Claim is paid on first death, and remaining partner continues to be covered or policy ends.

If you're diagnosed with critical illness or become disabled, future premiums are waived but cover continues. This ensures protection even when you can't pay premiums.
Smart Secure Plus
(4.8)
  • Sum Insured₹50 Lakhs - ₹10 Crores
  • PremiumStarting ₹520/month for ₹1 Cr
  • Claim Ratio99.3%
  • TypeTerm Life Insurance

IRDAI registered insurer

Affiliate Disclosure: We may earn a commission when you purchase through this link. This does not affect the premium or your policy.

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Disclaimer: Insurance is subject to terms and conditions. Premium shown is indicative and may vary based on your age, health, and coverage chosen. Please read policy documents carefully before purchasing.