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Life Insurance

Max Whole Life Super

Save for your child’s education, marriage, or your retirement and stay protected until you are 100 years

Protection till age 100 years

Flexible premium payment terms

Flexible Bonus Options

Flexibility to withdraw money to meet any of your Life’s milestones

Features and Benefits

Max Life Whole Life Super

(UIN: 104N080V03)

A Traditional Participating Whole Life Insurance Plan

Plan features & benefits:

1. Protection till age 100 years

The plan offers you guaranteed protection for life till age 100 years, which continues to grow through bonuses. On attainment of age 100 years, this plan gives you 100% of Guaranteed Maturity Sum Assured along with Accrued Paid Up Additions (if any) and Terminal Bonus (if any).

2. Flexible premium payment terms

The plan offers you flexibility to choose your premium payment terms that suits your requirement. You can choose either 10, 15 or 20 years as your premium payment term, depending on your financial goals.

3. Flexible Bonus Options

The plan offers the flexibility to choose among the following bonus options basis your need:

  • Paid in Cash– Bonus declared is paid to you in cash
  • Premium Offset – Bonus declared is used to offset future premiums payable by you
  • Paid Up Additions – Bonus declared is used to purchase additional sum assured that helps you boost the maturity value through power of compounding.

4. Flexibility to withdraw money to meet any of your Life’s milestones

You have the flexibility to withdraw the accumulated bonuses (cash value of Paid up Additions) in case of any need*

*This is applicable if the bonus option chosen is Paid Up Additions (PUA).

How the plan works:

On maturity, that is, policy anniversary coinciding with or immediately following Life Insured’s 100th birthday, the following benefit will be paid:

  • Guaranteed Maturity Sum Assured, plus
  • Accrued Paid Up Additions (if any), plus
  • Terminal Bonus (if any)


On death during the term of the policy, the following benefits will be paid:

  • Guaranteed Death Benefit, plus
  • Accrued Paid Up Additions (if any), plus
  • Terminal Bonus (if any)


Guaranteed Death Benefit is defined as higher of:

  • 11 times the annualised premium#,
  • 105% of all premiums paid by Policyholder as on the date of death of the life insured,
  • Guaranteed Maturity Sum Assured chosen by the Policyholder at policy inception
The policy will terminate in case of the death of the life insured.

#Annualised Premium includes extra premium (if any) but excludes all applicable taxes, cesses and levies as imposed by the Government, any loadingsfor modal premiums and remains same irrespective of the premium payment mode.


The plan offers unique Terminal Illness benefit, in which if the Life Insured is found to be suffering from a terminal illness that is likely to lead to his/her death within six months of diagnosis, in the opinion of a registered medical practitioner, the Company will advance 50% of the Guaranteed Maturity Sum Assured (up to a maximum of Rs. 10 Lakhs across all policies which provide this benefit) immediately upon Policyholder’s request.

Max Life Term Plus Rider - A Non-Linked Rider (UIN 104B026V02) provides additional risk coverage in case of death.

Max Life Accidental Death and Dismemberment Rider
– A Non Linked Rider (UIN 104B027V02) provides lumpsum benefit in case of death/dismemberment due to accident.

Max Life Waiver of Premium Plus Rider
– A Non-Linked Rider (UIN 104B029V02) provides waiver of all future premiums in case of an eventuality.

For more details on the rider and the various terms and conditions, please refer to the rider brochure available at



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