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                • Income Tax Rules Changes
                • Home>
                • Insurance Calculators>
                • BMI Calculator
                • What is BMI?
                • What is a BMI Calculator?
                • How to Calculate BMI?
                • How to Use the BMI Calculator?
                • BMI Ranges
                • BMI for Men
                • BMI for Women
                • BMI for Children & Teenagers
                • Why Use a BMI Calculator?
                • Importance of a BMI Calculator
                • What are the health risks related to being overweight?
                • What are the risks of being underweight?
                • What are the Steps to Maintain Optimum Health?
                • Limitations of BMI (Body Mass Index)
                • What is Ponderal Index?
                • FAQ's about BMI Calculator

                BMI Calculator

                Health should be a top priority for an individual. A sound mind and body is needed to enjoy the beautiful things around us. While exercising and a healthy nutritious diet is the first

                ...Read More

                Foot & Inches

                BMI Result
                Your BMI
                0
                Under Weight
                Normal
                Over Weight
                Obesity

                Healthy BMI range

                18.5 - 24.9

                Healthy weight for this height

                0 - 0 Kg

                Action

                Lose 0 Kg

                image bmi_calc_exercise_564be5e79e_cf658bd6c8

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                You’re managing a healthy weight and keep your weight in check

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                What is BMI?

                Body Mass Index or BMI is an estimate of a person's leanness or body fat based on their body weight and height, and is designed to assess tissue mass. It is commonly used as a general measure of whether a person's body weight is appropriate for their height.

                Specifically, the result derived from the BMI calculation is used to determine whether a person is underweight, normal weight, overweight, or obese, depending on which category the value falls into.

                These BMI values vary depending on geography and age, and are often further classified as extremely underweight or very severely obese.

                Although BMI is not a perfect estimate of healthy body weight, it may be a helpful tool in determining if further testing or treatment is necessary because being overweight or underweight can have serious health consequences.

                BMI Chart

                 

                BMI Indexes

                Kgs45.547.550.052.354.556.859.161.463.665.968.270.572.775.077.379.581.884.186.488.690.993.295.597.7
                Lbs100105110115120125130135140145150155160165170175180185190195200205210215
                incm 
                5'0"152.4 192021222324252627282930313233343536373839404142
                5'1"154.9181920212223242526272829303132333435363637383940
                5'2"157.4181920212222232425262728293031323333343536373839
                5'3"160.0171819202122232424252627282930313132333435363738
                5'4"162.5171818192021222324242526272829303131323334353637
                5'5"165.1161718192021222324252526272829303132333435363738
                5'6"167.6161717181920212122232425252627282929303132333434
                5'7"170.1151617181919202122222324252526272828293031323333
                5'8"172.7151616171819192021222223242525262728282930313232
                5'9"175.2141516171718192020212222232425252627282829303131
                5'10"177.8141515161718181920202122232324252526272828293030
                5'11"180.3141415161617181819202121222323242525262728282930
                6'0"182.8131414151617171819192021212223232425252627272829
                6'1"185.4131314151516171718191920212122232324252526272728
                6'2"187.9121314141516161718181919202121222323242525262727
                6'3"190.5121313141515161617181819202021212223232425252626
                6'4"193.0121213141415151617171818192020212222232324252526
                UnderweightHealthyOverweightObeseExtremely Obese

                What is a BMI Calculator?

                The Body Mass Index calculator or BMI calculator is a useful tool that determines your current weight—whether you are overweight, underweight, or just adequate. That said, a persons weight cannot be the sole indicator of their health. A person with a 5.10 ft. height can easily weigh more than one with a 5.5 ft. height.

                A BMI calculator takes into account both - the height and weight, to give a better idea. BMI also takes into account geological as well as age factors while calculating. When analyzing a customers application for life insurance and health insurance, BMI is taken into account to understand their health condition to propose an appropriate premium amount.

                How to Calculate BMI?

                To calculate your BMI (Body Mass Index), you need to follow only two steps, as given below:

                Step 1: Measure your height (in centimeters or feet and inches) and multiple the result by itself.

                Step 2: Measure your weight and divide it with the result obtained in STEP 1. This will be your final BMI Value.

                The following is the BMI Formula:

                BMI = mass or weight (kg)/height2 (m)

                How to Use the BMI Calculator?

                It is fairly simple to use the BMI calculator. The following are the few steps required to use BMI calculator:

                Step 1: Enter your age, gender, as well as weight and height, using standard or metric measures.

                Step 2: Then select "Compute/Calculate BMI" and your BMI will appear below.

                Upon entering the above-mentioned data, the calculator will give the following values:

                • Healthy BMI range
                • Healthy weight for this height
                • Action (how much weight to lose/gain to reach the healthy range of BMI)
                • Suggestions to achieve normal BMI

                BMI Ranges

                There are the five basic ranges within which the BMI calculator results typically range as per the BMI tables scale mentioned above. These are:

                • Underweight = Less than 18.5
                • Normal weight = 18.5–24.9
                • Overweight = 25–29.9
                • Obesity = 30-35
                • Severe obesity = 35 above

                Now, lets understand how the BMI changes for men, women and children in the following section

                BMI for Men

                Lets take a look at the tabular bifurcation of BMI of men and understand how they are placed in the weight category basis their BMI:

                BMI Range for Men
                Weight Category
                Below 18.5
                Underweight
                18.5 – 24.9
                Healthy
                25 – 29.9
                Overweight
                30 – 35
                Obese
                Above 35
                Morbid Obesity

                For those above the age of 20 years, the ideal BMI for men ranges from 18.5 to 24.9. If the BMI for men falls below the BMI range of 18.5, they are considered to be underweight and if it goes beyond the higher mark of 24.9, then they are treated under the overweight category.

                In both the cases of being underweight or overweight, the person in question is advised to take active steps to move towards the healthy range so as to avoid falling prey to any serious illness.

                BMI for Children & Teenagers (5 – 18 years)

                Body fat of children changes rapidly as they grow. Since their growth is an ongoing curve, its only wise to adjust the BMI range for children and teens in comparison to the BMI for adults. While in the US, the BMI for children is taken for individuals aged between 2 and 20 years, in India, we do this measurement for individuals falling in the 5-18 years of age range.

                The BMI for children in US is considered normal when falling between the 5th and 85th percentile. As per the Indian standards, to define overweight and obesity in children from 5-18 years of age, adult equivalent of 23 and 27 cut-off lines, as presented in the BMI charts (given below), are recommended to be used.

                Also, unlike the BMI for adults where theres no demarcation for men and women BMI, the BMI percentiles for children and teenagers are different for boys and girls.

                The following charts are used in India for BMI percentile reference in children, with separate charts for girls and boys, viz.:

                Body Mass Index (BMI) Percentiles for Girls^^

                Age / BMI Percentile

                3

                5

                10

                25

                50

                23*

                27**

                5.0

                11.9

                12.1

                12.5

                13.3

                14.3

                15.5

                18.0

                5.5

                11.9

                12.2

                12.6

                13.4

                14.4

                15.7

                18.3

                6.0

                12.0

                12.2

                12.7

                13.5

                14.5

                15.9

                18.6

                6.5

                12.1

                12.3

                12.8

                13.6

                14.7

                16.1

                18.9

                7.0

                12.1

                12.4

                12.8

                13.7

                14.9

                16.4

                19.3

                7.5

                12.2

                12.5

                12.9

                13.9

                15.1

                16.6

                19.7

                8.0

                12.3

                12.6

                13.1

                14.0

                15.3

                16.9

                20.1

                8.5

                12.3

                12.7

                13.2

                14.2

                15.6

                17.2

                20.5

                9.0

                12.4

                12.8

                13.3

                14.4

                15.8

                17.6

                21.0

                9.5

                12.5

                12.9

                13.5

                14.6

                16.1

                18.0

                21.4

                10.0

                12.7

                13.1

                13.7

                14.9

                16.5

                18.4

                21.9

                10.5

                12.8

                13.2

                13.9

                15.2

                16.8

                18.8

                22.5

                11.0

                13.0

                13.4

                14.1

                15.5

                17.2

                19.3

                23.0

                11.5

                13.2

                13.7

                14.4

                15.8

                17.6

                19.8

                23.6

                12.0

                13.4

                13.9

                14.7

                16.1

                18.0

                20.2

                24.1

                12.5

                13.7

                14.2

                15.0

                16.5

                18.4

                20.7

                24.7

                13.0

                13.9

                14.4

                15.2

                16.8

                18.8

                21.1

                25.2

                13.5

                14.1

                14.6

                15.5

                17.1

                19.1

                21.5

                25.6

                14.0

                14.3

                14.9

                15.7

                17.3

                19.4

                21.8

                25.9

                14.5

                14.5

                15.1

                16.0

                17.6

                19.7

                22.0

                26.2

                15.0

                14.7

                15.2

                16.1

                17.8

                19.9

                22.3

                26.3

                15.5

                14.9

                15.4

                16.3

                18.0

                20.1

                22.4

                26.4

                16.0

                15.0

                15.6

                16.5

                18.2

                20.3

                22.6

                26.5

                16.5

                15.2

                15.8

                16.7

                18.4

                20.4

                22.8

                26.6

                17.0

                15.4

                16.0

                16.9

                18.6

                20.6

                22.9

                26.7

                17.5

                15.5

                16.1

                17.1

                18.7

                20.8

                23.1

                26.7

                18.0

                15.7

                16.3

                17.3

                18.9

                21.0

                23.2

                26.8

                Disclaimers: Figures are sourced from the official website of India Pediatrics and are as per the revised IAP growth charts for Body Mass Index for 5-to-18-year-old Indian children.

                *Equivalent to adult overweight index. **Equivalent to adult obesity index.

                 

                 

                Body Mass Index (BMI) Percentiles for Boys

                Age/ BMI Percentile

                3

                5

                10

                25

                50

                23*

                27**

                5.0

                12.1

                12.4

                12.8

                13.6

                14.7

                15.7

                17.5

                5.5

                12.2

                12.4

                12.9

                13.7

                14.8

                15.8

                17.6

                6.0

                12.2

                12.5

                12.9

                13.7

                14.9

                16.0

                17.8

                6.5

                12.3

                12.5

                13.0

                13.8

                15.0

                16.1

                18.0

                7.0

                12.3

                12.6

                13.1

                13.9

                15.1

                16.3

                18.2

                7.5

                12.4

                12.7

                13.2

                14.1

                15.3

                16.5

                18.5

                8.0

                12.5

                12.8

                13.3

                14.2

                15.5

                16.7

                18.8

                8.5

                12.6

                12.9

                13.4

                14.4

                15.7

                17.0

                19.2

                9.0

                12.7

                13.0

                13.5

                14.5

                15.9

                17.3

                19.6

                9.5

                12.8

                13.1

                13.7

                14.7

                16.2

                17.6

                20.1

                10.0

                12.9

                13.2

                13.8

                14.9

                16.4

                18.0

                20.5

                10.5

                13.0

                13.3

                14.0

                15.1

                16.7

                18.3

                21.0

                11.0

                13.1

                13.5

                14.1

                15.4

                17.0

                18.7

                21.5

                11.5

                13.2

                13.6

                14.3

                15.6

                17.3

                19.1

                22.1

                12.0

                13.3

                13.8

                14.5

                15.8

                17.7

                19.5

                22.6

                12.5

                13.5

                13.9

                14.6

                16.0

                17.9

                19.8

                23.0

                13.0

                13.6

                14.0

                14.8

                16.3

                18.2

                20.2

                23.4

                13.5

                13.7

                14.2

                14.9

                16.5

                18.5

                20.5

                23.8

                14.0

                13.8

                14.3

                15.1

                16.7

                18.7

                20.8

                24.2

                14.5

                14.0

                14.5

                15.3

                16.9

                19.0

                21.1

                24.5

                15.0

                14.2

                14.7

                15.5

                17.2

                19.3

                21.4

                24.9

                15.5

                14.4

                14.9

                15.8

                17.4

                19.6

                21.7

                25.2

                16.0

                14.6

                15.1

                16.0

                17.7

                19.9

                22.0

                25.5

                16.5

                14.9

                15.4

                16.3

                18.0

                20.2

                22.4

                25.8

                17.0

                15.1

                15.6

                16.6

                18.3

                20.5

                22.6

                26.0

                17.5

                15.4

                15.9

                16.8

                18.6

                20.8

                22.9

                26.3

                18.0

                15.6

                16.2

                17.1

                18.9

                21.1

                23.2

                26.6

                Disclaimers: Figures are sourced from the official website of India Pediatrics and are as per the revised IAP growth charts for Body Mass Index for 5-to-18-year-old Indian children.

                *Equivalent to adult overweight index. **Equivalent to adult obesity index.

                ^^Source: https://www.indianpediatrics.net/jan2015/jan-47-55.htm

                In the US, growth measurement scales are different and so is the BMI calculation for children. Their national public health agency, Centers for Disease Control and Prevention (CDC) suggests the categorization of BMI for children and teens between the age group of 2 and 20.

                Category
                Percentile Range
                Underweight
                Less than 5%
                Healthy weight
                5% - 85%
                With a risk of overweight
                85% - 95%
                Overweight
                >95%

                Why Use a BMI Calculator?

                BMI helps to indicate the persons body fat. Basis a persons position on BMI, it can be ascertained if it presents a risk to their health.

                To answer the question of why should we use a BMI calculator, it is to be understood that a low or high BMI can impact you in various spheres of life, viz. health, lifestyle and finances.

                Importance of a BMI Calculator

                BMI calculator plays a vital role to check whether a person is healthy or not. It is an easy to use tool for assessing the health of an individual and also works as the ‘Obesity Indicator. Following reasons makes BMI calculator a useful tool for public:

                • Assessing body weight and related health risks: By using a BMI calculator, a physician can get an idea of the patient's current health status. Based on this, they can come up with a better treatment plan. Also, if there are signs of potential health issues like high blood pressure or diabetes, the patient can be informed and advised accordingly.
                • Managing body weight: On an individual level, the BMI calculator works as an ‘Obesity Indicator,’ since it is useful in managing how much weight one should lose or gain to be in the normal BMI range. If used periodically, it can track changes and make amends, if needed.
                • Public health assessment: To prepare national health-related data, BMI plays a significant role. For this purpose, BMI calculators are particularly useful.
                • To determine insurance premium: When determining the life insurance premium (or health insurance premium), insurance companies often ask for medical tests or conduct the same themselves. In this medical assessment, BMI calculators are used to determine the health of the applicant. If one is obese or severely underweight, this can impact the premium.
                • Weight Tracking: BMI calculators are very beneficial for weight watchers during their weight loss or gain journey. The tools help in periodic tracking and keep the weight goals in check.

                While the BMI value alone cannot be the indicator of ones health but it gives an idea. If you fall in the category of high or very-high risk profile, it can significantly impact your sum assured as well as the premium amount.

                Although the basic anatomy of a male and a female body differ significantly, due to a lack of separate BMI ranges, insurance companies use the same calculation as well the same BMI ranges to determine the health-risk of a male and a female, alike.

                What are the health risks related to being overweight?

                Being overweight brings a host of medical problems which can seriously hamper your quality of life as well as your finances due to the added expenses it brings. Also, the life insurance premium as well as the health insurance premium of an overweight or obese person can go much higher than that of someone with a weight well within a healthy range.

                Apart from frequent doctor visits and added expenses, lets understand the health risks related to being overweight or obese:

                • High blood pressure
                • Stroke
                • Type 2 diabetes
                • Heart problems
                • Insulin resistance
                • Varicose veins
                • Stress-induced physical and mental conditions
                • PCOD (Poly-cystic Ovarian Diseases)
                • Breathing problems
                • Sleep apnea
                • Clinical depression and other mental health related illnesses
                • Gynecological conditions
                • Cancer of breast, kidney, colon, gall bladder, endometrial, liver, etc.

                What are the risks of being underweight?

                Just as being overweight is a problem, underweight people also encounter a host of medical issues such as:

                • Vitamin deficiency
                • Anemia
                • Lessening Immunity
                • Malnutrition
                • Hormonal imbalance
                • Osteoporosis

                All these conditions and diseases mark a person as a high-risk profile, especially when purchasing health insurance or life insurance plan. When found so, the premiums are likely to go higher whereas many times, companies may totally reject the application if the health conditions seem to unstable or alarming.

                What are the Steps to Maintain Optimum Health?

                The following are some common advices that should be taken into consideration, if the goal is achieving good health:

                 

                • Maintain a healthy weight: This is important for your heart health and you can learn more about obesity and overweight.
                • Include physical activity, gradually: Movement of the body, like regular running, can help you lower your risk factors for many illnesses, especially heart diseases.
                • Follow a heart-healthy diet: Eating healthy food is critical and essential to achieve good health. Going for natural foods instead of fast-foods made with artificial colours and additives is a good way to kick-start this health journey.
                • Get acquainted with your heart health numbers: Tracking your health statistics can help you meet your health goals and let you keep it in control. BMI calculator helps in this. Keep a weighing scale at home and regularly check your weight. There shouldn’t be sudden changes. In case you notice something awry, the best thing would be to consult your physician.

                Limitations of BMI (Body Mass Index)

                While BMI is a standard indicator of ones health status, especially in the field of health insurance and life insurance in India, it isnt a fool-proof system. While many BMI calculators do ask for ones gender and age along with their height and weight, but due to a lack of differential BMI ranges, the BMI result dont reveal the exact picture.

                Lets understand the limitations of BMI for adults, children and teenagers as explained below:

                • No Male-Female Division:

                A common disadvantage of BMI is that it doesnt take into account whether the person in question is a male or a female. Its basic science that males and females have different levels of body fat necessary for optimum condition of their physical and mental working.

                • No Difference Between Muscle and Fat

                When calculating BMI, ones height and weight are considered. It cannot distinguish between the body fat and body muscle leading to not-so-correct calculations. A person who does weight training and has a high-protein diet is going to have more muscles than fat. But BMI calculation cannot cut down the muscle-content from fat resulting in a high BMI of that person.

                • BMI limitation for Children

                A childs body is on an ongoing curve. Their BMI can fluctuate significantly because of continuing changes in their height as well as weight. An active child falling low on BMI but it will show them to be underweight, giving a false indication of poor health. 

                Apart from these, BMI does not consider the role played by ones ethnicity and race on their height and weight. Asians generally have up to 5% more body fat than Caucasians. Similarly, Africans and Afro-Americans touch the height bars higher as compared to Asians and Caucasians. BMI does not take into account these facts.

                The risk of diabetes is highest in Asians, followed by African-Americans and Caucasians. This is totally disregarded in the BMI calculations, thus giving half-baked health indicators.

                What is Ponderal Index?

                Ponderal Index is another way of measuring ones health, like BMI. However, where BMI calculation only takes into account ones height and weight, Ponderal Index gives much accurate results as it undertakes a persons body mass distribution by including the cubic power of their height. The formula for calculating a persons Ponderal Index is weight/height3.

                Also, Ponderal Index for adults is used with different units, i.e. kilograms for weight and meters for height. Similarly, for children it comes with grams and centimeters, for weight and height respectively.

                FAQs About BMI Calculator

                search

                Can results of BMI calculator vary for the same person over time?

                Yes. Factors that are used for BMI calculator such as weight, hip size, waist size, etc. are liable to change over time and lead to different results for the same individual overtime.

                Can the BMI calculator serve as a way to diagnose my medical condition?

                No, while BMI calculator can help you estimate body fat, it cannot help diagnose medical problems you may have.

                What can lead to high BMI?

                Typically, a sedentary lifestyle along with limited exercise and poor food habits can lead to a high BMI. However, this is not a complete list as factors such as genetics can also play a role resulting in a high BMI.

                Does the high result of BMI Calculator mean anything?

                Low BMI individuals are prone to various deficiencies and deficiency-related disorders. So one should take heed if the BMI calculator indicates you as underweight or below such as severe/moderate thinness.
                https://www.nhlbi.nih.gov/health/educational/lose_wt/BMI/bmicalc.htm
                https://www.masjax.com/the-limitations-of-bmi-and-the-simple-measurement-you-should-do-at-home/
                https://www.thehindu.com/sci-tech/health/re-evaluating-what-bmi-says-about-your-health/article67020537.ece
                <
                https://www.jagranjosh.com/general-knowledge/what-is-body-mass-index-bmi-1604908347-1
                https://timesofindia.indiatimes.com/life-style/bmi-calculator
                https://economictimes.indiatimes.com/magazines/panache/bmi-calculator?from=mdr

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                IRDAI - Registration No. 104. ARN/Web/13122024 Category: Life. Validity: Valid.
                Corporate Identity Number (CIN): U74899PB2000PLC045626.
                Corporate Office: Axis Max Life Insurance Ltd. 11th Floor, DLF Square, Building, Jacaranda Marg, DLF Phase 2, Sector 25, Gurugram, Shahpur, Haryana 122002

                DISCLAIMERS

                Axis Max Life Insurance Limited (earlier known as Max Life Insurance Company Limited) is a Joint Venture between Max Financial Services Limited and Axis Bank Limited.

                Corporate Office: Axis Max Life Insurance Ltd. 11th Floor, DLF Square Building, Jacaranda Marg, DLF City Phase II, Gurugram (Haryana) - 122002.

                Operation Center: Axis Max Life Insurance Ltd, Plot No. 90C, Udyog Vihar, Sector 18, Gurugram (Haryana) - 122015.

                Customer Helpline: 1860 120 5577 (9:00 A.M to 6:00 P.M Monday to Saturday) * Call charges apply.

                Online Helpline - 0124 648 8900 (09:00 AM to 09:00 PM Monday to Saturday).

                Fax Number: 0124-4159397.

                Email ids: service.helpdesk@axismaxlife.com

                Website: www.axismaxlife.com

                Axis Max Life Insurance is integrated with licensed NBFC FinVu (Cookiejar Technologies Pvt. Ltd. for sharing policy details with regulated Financial Information Users within the Account Aggregator ecosystem after obtaining the Policy holder's consent. Read more about Account Aggregator framework here

                *Life insurance coverage is available in this product. For more details on risk factors, Terms and Conditions please read the prospectus carefully before concluding a sale. You may be entitled to certain applicable tax benefits on your premiums and policy benefits. Please note all the tax benefits are subject to tax laws prevailing at the time of payment of premium or receipt of benefits by you. Tax benefits are subject to changes in tax laws.

                Insurance is the subject matter of solicitation. For more details on the risk factors, Terms and Conditions, please read the sales and rider prospectus carefully before concluding a sale. Tax benefits are eligible for tax exemption on fulfilling conditions mentioned under Section 10(10D) of income tax act 1961. Tax exemptions are as per our understanding of law and as per prevailing provisions of income tax at 1961. Policy holders are advised to consult tax expert for better clarification /interpretation. Please note that all the tax benefits are subject to tax laws at the time of payment of premium or receipt of policy benefits by you. Tax benefits are subject to changes in tax laws. The monthly Income Benefit and Terminal Benefit may be taxable subject to extra premium being loaded at underwriting stage.

                Celeb disclaimer (if images being used):

                The Brand Ambassadors as depicted herein, have endorsed only the Axis Max Life Insurance Products and are not in any manner endorsing Axis Bank Limited and / or any other Bank Partner of Axis Max Life Insurance and do not have any kind of association or relationship with Axis Bank Limited and / or any other Bank Partner of Axis Max Life Insurance

                Disclaimers for Market Linked Plans & Saving plans:

                THE UNIT LINKED INSURANCE PRODUCTS DO NOT OFFER ANY LIQUIDITY DURING THE FIRST FIVE YEARS OF THE CONTRACT. THE POLICYHOLDER WILL NOT BE ABLE TO SURRENDER/WITHDRAW THE MONIES INVESTED IN LINKED INSURANCE PRODUCTS COMPLETELY OR PARTIALLY TILL THE END OF FIFTH YEAR.

                Unit Linked Insurance Products (ULIPs) are different from the traditional insurance products and are subject to the risk factors. The premium paid in the Unit Linked Life Insurance Policies is subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. Axis Max Life Insurance is only the name of the insurance company and Axis Max Life Online Savings Plan (UIN: 104L098V06) is only the name of the unit linked life insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns. Please know the associated risks and the applicable charges from your Insurance agent or the Intermediary or policy document of the insurer. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these funds, their future prospects or returns.

                Axis Max Life Online Savings Plan is a Unit Linked Non Participating Individual Life Insurance Plan (UIN: 104L098V06)

                *1The aggregate annualized premium should not be more than 5 lakhs (one or more policies put together) for non-linked non-par savings insurance plan in any given year of policy term to be eligible for Section 10 (10D) exemption.

                *3All claims that qualify for InstaClaim will be paid within 3 hrs from the date of submission of all mandatory documents else Axis Max Life will pay interest at prevailing Bank Rate as on beginning of Financial Year in which claim has been received for every day of delay beyond one working day. Interest shall be at the bank rate that is prevalent at the beginning of the financial year in which death claim has been received. Mandatory Documents: Original policy document; Original/attested copy of death certificate issued by local municipal authority; Death claim application form (Form A); NEFT mandate form attested by bank authorities along with a cancelled cheque of bank account passbook along with nominee's photo identity proof; Discharge/Death summary attested by hospital authorities or FIR & Post Mortem Report/Viscera Report (in case of accident death).

                *#Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your Insurer carrying on life insurance business. The assumed rates of return (4% p.a. and 8% p.a.) shown in the illustrative example are not guaranteed and they are not the upper or lower limits of what you might get back as the value of your Policy depends on a number of factors including future investment performance. The guaranteed and non-guaranteed benefits are applicable only if all due premiums are paid. The Maturity Benefit shown in the illustrative example are inclusive/exclusive of taxes.

                Privacy Policy

                ^^On completion of policy term

                The savings indicated is the maximum premium difference as compared with offline plan & depends on the variant purchased.

                Claims for policies completed 3 continuous years. All mandatory documents should be submitted before 3:00pm on a working day. Claim amount on all eligible policies4 is less than Rs. 1 Crore. Claim does not warrant any field verification. Mandatory Documents:

                > Original policy document

                > Original/attested copy of death certificate issued by local municipal authority

                > Death claim application form (Form A)

                > NEFT mandate form attested by bank authorities along with a cancelled cheque or bank account passbook along with nominee’s photo identity proof

                > Discharge/Death summary attested by hospital authorities or FIR & Post Mortem Report/viscera report (in case of accidental death)

                1The 5% employee discount will be refunded to you once your policy is issued. Submit your documents for getting your policy issued and get 5% employee discount

                2Total premium will be charged at the time of the policy issuance (subject to underwriting’s decision).

                315% discount is applicable only on the first year premium for salaried employees with a corporate, purchasing Axis Max Life Smart Term Plan Plus (UIN: 104N127V03). During policy issuance, Axis Max Life may call for proof of employment if required. In case proposer when asked is not able to prove the employment part, discount offer will be discontinued and additional premium as applicable will have to be paid for processing of the case. 15% discount (applied on standard male premium rates) is applicable for lifetime for females.

                4InstaClaim TM is available for all versions of (UIN: 104N125V07). Mandatory Documents:

                • Original policy document
                • Original/attested copy of death certificate issued by local municipal authority
                • Death claim application form (Form A)
                • NEFT mandate form attested by bank authorities along with a cancelled cheque or bank account passbook along with nominee’s photo identity proof
                • Discharge/Death summary attested by hospital authorities or FIR & Post Mortem Report/viscera report (in case of accidental death)

                5Criteria applicable only for “Term plans” for Graduate, Indian resident with declared income >= 10 lacs with CIBIL score >= 650 (salaried) and >= 700 (self-employed) with no disclosed medical condition

                6Applicable for Titanium variant of Axis Max Life Smart Fixed-return Digital plan (Premium payment of 5 years and Policy term of 10 years) and a healthy male of 18 years paying Rs. 30,000/- per month (exclusive of all applicable taxes) with 7.45% return. Life Insurance is available with this product

                7Available with Axis Max Life Smart Wealth Plan (UIN: 104N116V14)

                8Available with Axis Max Life Smart Fixed-return Digital Plan (UIN: 104N123V05). The guaranteed benefits are available with selected life insurance plans & are applicable if all due premiums are paid.

                9The percentage savings is for a regular pay Axis Max Life Smart Secure Plus Plan (A Non Linked Non Participating Individual Pure Risk Life Insurance Plan, UIN: 104N118V11)– Life Option for 1 Cr. life cover for a 35 year old, non-smoker male for a policy term of 40 years vs a 10 year policy term with the same details’

                ##Tax conditions :

                ##Save 46,800 on taxes if the insurance premium amount is Rs.1.5 lakh per annum and you are a Regular Individual, fall under 30% income tax slab having taxable income less than Rs. 50 lakhs and Opt for Old tax regime ~# Save 54,600 on taxes if the insurance premium amount is Rs.1.5 lakh per annum for life cover and 25,000 for critical illness cover and you are a Regular Individual, fall under 30% income tax slab having taxable income less than Rs. 50 lakhs and Opt for Old tax regime.

                CI Rider disclaimers:

                AXIS MAX LIFE CRITICAL ILLNESS AND DISABILITY RIDER (UIN: 104B033V02) available as a rider on payment of additional premium.

                >Extended cover of up to 85 years is available with gold and platinum variant only

                @64 critical illnesses covered in platinum and platinum plus variant on payment

                22 critical illnesses covered in gold and gold plus variant

                *^Total premiums paid inclusive of any extra premium but exclusive of all applicable taxes, cesses or levies and modal extra. Return of premium option is available on payment of additional premium.

                ~Conditions for premium break: Available at an additional premium for policies with policy term greater than 30 years and premium payment term greater than 21 years. Option to skip paying premium for 12 months. 2 premium breaks will be available during the premium payment term separated by an interval of at least 10 years

                ~1 Conditions for Special exit value:

                Option to receive all premiums paid back, at a specified point in the term of the policy (free of cost). Available when Return of Premium variant is not chosen. No additional premium to be paid.

                ~2 Voluntary Top-up Sum assured:

                Option to double your insurance cover, basis underwriting, at the time of your need by increasing your sum assured up to an additional 100% of base sum assured, chosen at inception

                ^^*^^Free look period conditions:

                The policyholder has a period of 30 days from the date of receipt of the policy document, to review the terms and conditions of the Policy, where if the policyholder disagrees to any of those terms or conditions, he / she has the option to return the Policy stating the reasons for his objections. The policyholder shall be entitled to a refund of the premiums paid, subject only to deduction of a proportionate risk premium for the period of cover and the expenses incurred by the company on medical examination of the lives insured and stamp duty charges.

                ^Individual Death Claims Paid Ratio as per audited financials for FY 2024-2025

                #1A flat 15% discount on the premium will be applicable throughout the Premium Payment Term for Female Life Insured with Axis Max Life Smart Term Plan Plus (UIN: 104N127V03).

                #3Tax benefits as per prevailing tax laws, subject to change

                Terms and conditions for availing 5% employee discount:

                <Due to system constraints, employee is requested to select 5 Lakh and above income which can be changed to actual amount on the information page.

                Past performance of the investment funds do not indicate the future performance of the same. Investors in the Scheme are not being offered any guaranteed / assured returns. The premiums & funds are subject to certain charges related to the fund or to the premium paid.

                The premium shall be adjusted on the due date even if it has been received in advance.

                For Total Installment Premium - Total Installment Premium is the Premium payable as per premium paying frequency chosen, it excludes GST and applicable taxes, cesses or levies, if any; and includes loadings for modal premiums, Underwriting Extra Premium and Rider Premiums if any.

                For Return of Premium - The Return of Premium Option is available on payment of Additional Premium. Premium does not include amount paid for riders and is excluding taxes, cesses and levies. Upon Policyholder's selection of Return of Premium variant this product shall be a Non-Linked Non-Participating Individual Life Insurance Savings Plan.

                For Riders - #Applicable Rider available on the payment of Additional Premium is Axis Max Life Critical Illness and Disability Rider | Non-Linked Non-Participating Individual Pure Risk Health Insurance Rider | UIN: 104B033V02. Critical Illness and Disability Rider variant opted is Platinum Plus which covers 64 critical Illnesses. The rider cover will only be paid in scenarios where customer is diagnosed with listed 64 critical illnesses or total and permanent disability. Rider will terminate after major critical illness claim is paid to the policyholder. In case customer requests for cancellation of rider only, the solution as a whole will be cancelled and not just the individual rider.

                For Additional Benefits– ##On Payment of Additional Premium. The accident cover will only be paid in scenarios where death occurs due to accident.

                *~Disclaimers

                Axis Max Life Smart Secure Plus Plan. A non-linked non-participating individual pure risk life insurance plan |Benefit available with special exit value -Total premium paid inclusive of any extra premium but exclusive of all applicable taxes, cesses or levies & modal extra. The premium calculated as per Standard premium for 30-year-old healthy male, non-smoker, 40 years’ policy term, 40 years’ premium payment term (exclusive of GST) for Axis Max Life Smart Secure Plus Plan.

                ##Policy continuance benefit is not available with lifelong wealth variant. **The accrued income will be accumulated on an annual basis at the prevailing reverse repo rate (publish on RBI’s website).

                #With “Save the date”, you can choose to take your annual income to any special date in a year.

                ***Available with early wealth variant. Income benefit will be paid as per selected plan terms.

                ~Accidental death benefit is available in call variants except for Single premium variant. Life insurance coverage is available in this product.

                #~Term Insurance plan bought online directly from Axis Max Life Insurance has no commissions involved.

                ~1Axis Max Life Smart Secure Plus Plan, A non-linked non-participating Individual Pure Risk Life Insurance Plan | Standard Premium for 30 year old healthy male, non-smoker, 40 years policy term, 40 year premium payment term (exclusive of GST) for Axis Max Life Smart Secure Plus Plan | ~1 Conditions for special exit value: Option to receive all premiums paid back, at a specified point in the term of the policy (free of cost). Available when Return of premium variant is not chosen. No additional premium to be paid. Option to receive all premiums back (exclusive of GST). Flexibility of exiting the plan early. Special Exit Value cover applicable till age 68 & above (of your age). T&C Apply.

                @>Axis Max Life Critical Illness and Disability Rider (UIN 104B033V02) is available on payment of additional premium. It covers 64 critical illnesses under Platinum & Platinum Plus variant

                #Available on Payment of Additional Premium. The accident cover will only be paid in scenarios where death occurs due to accident.

                ^1Disclaimer: Standard premium for 24-year old healthy male, non-smoker, 25 years policy term,25 year premium payment term (exclusive of GST) for Axis Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V07) with a life cover of Rs. 50 lakh.

                ^2Disclaimer: Standard premium for 24-year old healthy male, non-smoker, 25 years policy term,25 year premium payment term (exclusive of GST) for Axis Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V07) with a life cover of Rs. 75 lakh.

                ^3Disclaimer: Standard premium for 24-year old healthy male, non-smoker, 25 years policy term,25 year premium payment term (exclusive of GST) for Axis Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V07) with a life cover of Rs. 1 Cr.

                ^4Disclaimer: Standard premium for 24-year old healthy male, non-smoker, 25 years policy term,25 year premium payment term (exclusive of GST) for Axis Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V07) with a life cover of Rs. 1.5 Cr.

                ^5Disclaimer: Standard premium for 24-year old healthy male, non-smoker, 25 years policy term, 25 year premium payment term (exclusive of GST) for Axis Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V07) with a life cover of Rs. 2 Cr.

                ^6Disclaimer: Standard premium for 24-year old healthy male, non-smoker, 25 years policy term, 25 year premium payment term (exclusive of GST) for Axis Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V07) with a life cover of Rs. 5 Cr.

                ^7Disclaimer: Standard premium for 24-year old healthy male, non-smoker, 25 years policy term, 25 year premium payment term (exclusive of GST) for Axis Max Life Smart Term Plan Plus (UIN: 104N127V03) - Regular Cover with a life cover of Rs. 1 Cr.

                ~*Disclaimer: Standard premium for 24-year old healthy female,non-smoker, 25 years policy term, 25 year premium payment term (exclusive of GST) for Axis Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V07)

                ^~Disclaimer: 5 year return (CAGR – Compound Annualised Growth Rate) from Max Life High Growth Fund (ULIF01311/02/08LIFEHIGHGR104) as on 31/07/2024

                ^~The assumed rates of return (4% p.a. and 8% p.a.) shown in the illustrative example are not guaranteed and they are not the upper or lower limits of what you might get back. The value of your policy depends on a number of factors including future investment performance. The amount shown is for a 30-year-old healthy male, with 10 years premium payment term, and 35 years policy term with Axis Max Life Online Saving Plan (Unit Linked Non Participating Individual Life Insurance Plan | Life Insurance is available in this product).

                *++Axis Max Life's Nifty Alpha 50 Fund tracks the NSE's Nifty Alpha 50 Index, subject to tracking error. The above values have been calculated by projecting historical returns of the Nifty Alpha 50 index, after adjusting for all expenses, except the tracking error, in Axis Max Life online savings plan (variant 1) for a 35-year-old male investing 10k per month for 10 years and maturity after 20 years. The calculations have been done using historical returns of the Nifty Alpha 50 index and may not be indicative of the future performance of Axis Max Life's Nifty Alpha 50 Fund. The above values have been calculated basis 10 year returns of 26.4% (30th Apr'24) of the Nifty Alpha 50 Index.

                *+Nifty Mid-cap 150 Momentum 50 Index was launched in Aug’22. These are returns of benchmark indices and are not indicative of return on Axis Max Life Insurance’s Midcap Momentum Index fund. 10 year return of NIFTY Midcap 150 Momentum 50 Index as on 27/05/2024. Max Life Midcap Momentum Index Fund (SFIN: ULIF02802/01/24MIDMOMENTM104) is passively managed Index Fund that mirrors NIFTY Midcap 150 Momentum 50 Index.

                *&10 year return of Nifty Smallcap 250 Quality 50 Index as on 30/04/2024. The past returns are extrapolation of index fund returns up to past 10 years using same formula (provided by NSE). The returns are not indicative of the future performance of the fund. Max Life Nifty Smallcap Quality Index Fund is passively managed Index Fund that mirrors Nifty Smallcap 250 Quality 50 Index. The objective of the fund is to invest in companies with similar weights as in the index and generate returns as closely as possible, subject to tracking error.

                ^*All claims that qualify for InstaClaim will be paid within 3 hrs from the date of submission of all mandatory documents else Axis Max Life will pay interest at prevailing Bank Rate as on beginning of Financial Year in which claim has been received for every day of delay beyond one working day. Interest shall be at the bank rate that is prevalent at the beginning of the financial year in which death claim has been received. Mandatory Documents: Original policy document; Original/attested copy of death certificate issued by local municipal authority; Death claim application form (Form A); NEFT mandate form attested by bank authorities along with a cancelled cheque of bank account passbook along with nominee's photo identity proof; Discharge/Death summary attested by hospital authorities or FIR & Post Mortem Report/Viscera Report (in case of accident death).

                @1Standard premium for 20-year old healthy male, non-smoker, 40 years policy term, 40 year premium payment term (exclusive of GST) for Axis Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V07). The above mentioned premium is the discounted monthly premium to be paid in 1st year. Discount is applicable only for salaried employees with a corporate, purchasing via web link. During policy issuance, Axis Max life may call for proof of employment if required. In case proposer when asked is not able to prove the employment part, discount offer will be discontinued and additional premium as applicable will have to be paid for processing of the case. | ~1 Get back all the premiums paid with Special Exit value. This can be exercised in any policy year starting 30th policy year, but not during the last 4 policy years. Available for minimum policy term of 40 years. Benefit available with special exit value - the total premiums paid plus underwriting extra premiums paid plus loadings for modal premiums exclusive of any applicable taxes, cesses or levies. This feature shall be applicable on the base cover premium only and not for additional optional benefits like Accident cover, Joint life cover, any attached riders and Voluntary Sum Assured Top-Up.

                @2Standard premium for 20-year old healthy male, non-smoker, 40 years policy term, 40 year premium payment term (exclusive of GST) for Axis Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V07). The above mentioned premium is the discounted monthly premium to be paid in 1st year. Discount is applicable only for salaried employees with a corporate, purchasing via web link. During policy issuance, Axis Max life may call for proof of employment if required. In case proposer when asked is not able to prove the employment part, discount offer will be discontinued and additional premium as applicable will have to be paid for processing of the case. | ~1 Get back all the premiums paid with Special Exit value. This can be exercised in any policy year starting 30th policy year, but not during the last 4 policy years. Available for minimum policy term of 40 years. Benefit available with special exit value - the total premiums paid plus underwriting extra premiums paid plus loadings for modal premiums exclusive of any applicable taxes, cesses or levies. This feature shall be applicable on the base cover premium only and not for additional optional benefits like Accident cover, Joint life cover, any attached riders and Voluntary Sum Assured Top-Up.

                #*Axis Max Life Insurance’s Sustainable Wealth 50 Index Fund (SFIN: ULIF03223/12/24SUSTWEALTH104), which is a passively managed Index Fund that mirrors Axis Max Life Sustainable Yield Index, subject to tracking error. The fund value calculation is done by projecting historical returns of Axis Max Life Sustainable Yield Index, after adjusting for all expenses (except tracking error) in Axis Max Life Flexi Wealth Advantage Plan (UIN: 104L121V03) for a 30-year-old male investing 5k/10k per month for 20/10 years. The above values have been calculated assuming 25.2% p.a. gross investment returns as in Nov'24, which is the 10-year return of Axis Max Life Sustainable Yield Index. (back tested).

                @3Standard premium for 20-year old healthy male, non-smoker, 25 years policy term, 25 year premium payment term (exclusive of GST) for Axis Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V07)| The above mentioned premium is the discounted monthly premium to be paid in 1st year. Discount is applicable only for salaried employees with a corporate, purchasing via web link. During policy issuance, Axis Max life may call for proof of employment if required. In case proposer when asked is not able to prove the employment part, discount offer will be discontinued and additional premium as applicable will have to be paid for processing of the case.

                7Disclaimer: Rs. 1,00,29,587 after 14 years at policy maturity on monthly investment of Rs. 16,600 for 12 years for 30-year-old male with Axis Max Life Smart Wealth Plan – Long Term Variant. A non-linked non-participating individual life insurance savings plan. The guaranteed benefits are applicable only if all due premiums are paid. Total premiums paid is exclusive of GST. Life Insurance is available in this product.

                @4Standard premium for 20-year old healthy male, non-smoker, 25 years policy term, 25 year premium payment term (exclusive of GST) for Axis Max Life Smart Term Plan Plus (UIN:104N127V03)| The above mentioned premium is the discounted monthly premium to be paid in 1st year. Discount is applicable only for salaried employees with a corporate.

                @7Disclaimer: Standard premium for 20-year old healthy male, non-smoker, 25 years policy term, 25 year premium payment term (exclusive of GST) for Regular Cover Variant of Axis Max Life Smart Term Plan Plus (UIN:104N127V03)| The above mentioned premium is the discounted monthly premium to be paid in 1st year. Discount is applicable only for salaried employees with a corporate. During policy issuance, Axis Max Life may call for proof of employment if required. In case proposer when asked is not able to prove the employment part, discount offer will be discontinued and additional premium as applicable will have to be paid for processing of the case.

                @8Disclaimer: Standard premium for 20-year old healthy male, non-smoker, 25 years policy term, 25 year premium payment term (exclusive of GST) for Regular Cover Variant of Axis Max Life Smart Term Plan Plus (UIN: 104N127V03)| The above mentioned premium is the discounted monthly premium to be paid in 1st year. Discount is applicable only for salaried employees with a corporate, purchasing via web link. During policy issuance, Axis Max Life may call for proof of employment if required. In case proposer when asked is not able to prove the employment part, discount offer will be discontinued and additional premium as applicable will have to be paid for processing of the case.

                Disclaimer: ~10 year CAGR of Nifty SmallCap 250 Quality50 index as on 24/07/2023. Max Life Nifty Smallcap Quality Index Fund is passively managed Index fund that tracks the Nifty SmallCap 250 Quality50 index (subject to tracking error).

                Disclaimer: @2Standard premium for 20-year old healthy male, non-smoker, 40 years policy term, 40 year premium payment term (exclusive of GST) for Axis Max Life Smart Total Elite Protection Term Plan (UIN: 104N125V07). **The above mentioned is the discounted monthly premium to be paid in 1st year. Discount is applicable only for salaried employee with a corporate, purchased via web link | ~1Get back 4.67 Lakhs premiums paid under Special Exit value at 36th Policy Year. This can be exercised in any policy year starting 30th policy year, but not during the last 4 policy years. Available for minimum policy term of 40 years. Benefit available with special exit value - the total premiums paid plus underwriting extra premiums paid plus loadings for modal premiums exclusive of any applicable taxes, cesses or levies. This feature shall be applicable on the base cover premium only and not for additional optional benefits like Accelerated Critical Illness, Accident cover, Joint life cover, any attached riders and Voluntary Sum Assured Top-Up| ~Singapore, Hong Kong, New Zealand, Australia, Canada, UAE, Oman, Qatar, Saudi Arabia, Kuwait, Sri Lanka, Maldives, Fil, Brunei, Taiwan, Mauritius, South Korea, Bahrain, China, France, Germany, Switzerland, Austria, Hungary, USA, UK, Japan, Belgium, Denmark, Spain, Greece, Ireland, Luxemburg, Italy, Netherlands, Finland, Sweden, Norway.

                Disclaimer: @++ Axis Max Life’s NIFTY Momentum Quality 50 Fund (SFIN: ULIF03127/10/24MOMQUALITY104) is a passively managed Index Fund that mirrors NIFTY 500 Multicap Momentum Quality 50 Index, subject to tracking error. The fund value calculation is done by projecting historical returns of NIFTY 500 Multicap Momentum Quality 50 Index, after adjusting for all expenses (except tracking error) in Axis Max Life Online Savings Plan (UIN: 104L098V06) for a 30-year-old male investing 10k per month for 10 years. The above values have been calculated assuming 24.9% p.a. gross investment returns as on 16/10/2024, which is the 10-year return of NSE's NIFTY 500 Multicap Momentum Quality 50 Index (backtested)

                ~4Subject to submission of all documents required for GST waiver. GST waiver/refund is not applicable for ULIP plans.

                Disclaimer: **+NIFTY 500 Momentum 50 Index was launched in June'24. The past returns are back tested based on historical returns and formula (provided by NSE). These are returns of benchmark indices as on 11 June’24 and are not indicative of returns on Axis Max Life Insurance’s newly launched NIFTY 500 Momentum 50 Fund. Axis Max Life’s NIFTY 500 Momentum 50 Fund (SFIN: ULIF03014/08/24MOMENFIFTY104) is a passively managed Index Fund that mirrors NSE’s NIFTY 500 Momentum 50 Index, subject to tracking error. The fund value calculation is done by projecting historical returns of NSE’s NIFTY 500 Momentum 50 Index, after adjusting for all expenses (except tracking error) in Axis Max Life Online Savings Plan (UIN: 104L098V06) for a 30-year-old male investing 10k per month for 10 years. The above values have been calculated assuming 25% p.a. gross investment returns as on 11 June'24, which is the 10-year return of NSE's NIFTY 500 Momentum 50 Index (backtested).

                Disclaimer: #^Axis Max Life Smart Innovation Fund (SFIN: ULIF03301/03/25INNOVATION104), which is an actively managed fund does not have any past performance benchmarks. The above values have been calculated for a 35-year-old male investing 10k per month for 10 years assuming 20.8% p.a. gross investment returns basis 5 years’ performance of existing active fund with Axis Max Life Insurance, as on date 31st Jan'25 after adjusting for all expenses in Axis Max Life’s Capital Guarantee Plan which is combination of Axis Max Life Online Savings Plan (UIN: 104L098V06) and Axis Max Life Smart Wealth Advantage Guarantee Plan (UIN: 104N116V13). | Investors in this plan are not offered guaranteed/ assured returns. | The Unit Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholder will not be able to surrender/withdraw the monies invested in Unit Linked Insurance Products completely or partially till the end of the fifth year. The premium shall be adjusted on the due date even if it has been received in advance. Applicable taxes, cesses and levies as imposed by the government from time to time will be deducted from the premiums received or from the funds, as applicable.

                Disclaimer: @$The Nifty500 Multifactor MQVLv 50 Index was launched in Feb’25. The past returns are back tested based on historical returns and formula (provided by NSE). These are returns of benchmark indices and are not indicative of return on Axis Max Life Insurance’s NIFTY 500 Multifactor 50 Index fund. Axis Max Life’s NIFTY 500 Multifactor 50 Index fund (SFIN: ULIF03414/05/25MULTIFACTO104) is a passively managed Index Fund that mirrors NSE’s Nifty500 Multifactor MQVLv 50 Index, subject to tracking error. The fund value calculation is done by projecting historical returns of NSE’s Nifty500 Multifactor MQVLv 50 Index, after adjusting for all expenses (except tracking error) Axis Max Life’s Online Savings Plan (UIN: 104L098V06)) for a 30-year old male investing 5K/10K per month for 10 years. The above return values have been calculated assuming 21% p.a. gross investment returns, which is the returns since inception of NSE's Nifty500 Multifactor MQVLv 50 Index (backtested) as on 24th April 2025. For FWAP, replace Axis Max Life’s Online Savings Plan (UIN: 104L098V06) with Axis max Life’s Flexi Wealth Advantage Plan (UIN: 104L121V04).

                Please note, while our website has been updated with the changed corporate name and brand identity, our product collaterals will be updated in due course. We regret any inconvenience caused.

                Disclaimer: *6Check the Total Premium amount against the respective monthly premium values in the below table.

                For Sum assured of 75 lakh, 1 crore, 1.5 crore and 2 crore, the below calculations are based on Axis Max Life Smart Total Elite Protection Term Plan (A Non Linked Non Participating Individual Pure Risk Life Insurance Plan, UIN:104N125V07). Monthly premium amounts are excluding GST and before any applicable discounts assuming Regular Pay and monthly payment mode..

                Age of Male ApplicantPremium Amount for Rs. 75 lakh Term PlanPremium Amount for Rs. 1 crore Term PlanPremium Amount for Rs. 1.5 crore Term PlanPremium Amount for Rs. 2 crore Term Plan
                SmokerNon-SmokerSmokerNon-SmokerSmokerNon-SmokerSmokerNon-Smoker
                18 Years (PPT: 67 years)1,488/Month
                Total Premium: 11.33 lakh
                930/Month
                Total Premium: 7.08 lakh
                1,500/Month
                Total Premium: 11.42 lakh
                938/Month
                Total Premium: 7.14 lakh
                2,251/Month
                Total Premium: 17.13 lakh
                1,407/Month
                Total Premium: 10.71 lakh
                2,675/Month
                Total Premium: 20.37 lakh
                1,672/Month
                Total Premium: 12.73 lakh
                25 Years (PPT: 60 years)1,966/Month
                Total Premium: 13.40 lakh
                1,228/Month
                Total Premium: 8.38 lakh
                2,054/Month
                Total Premium: 14.06 lakh
                1,284/Month
                Total Premium: 8.75 lakh
                3,081/Month
                Total Premium: 21.01 lakh
                1,926/Month
                Total Premium: 13.13 lakh
                3,607/Month
                Total Premium: 24.59 lakh
                2,255/Month
                Total Premium: 15.37 lakh
                35 Years (PPT: 50 years)3,182/Month
                Total Premium: 18.08 lakh
                1,989/Month
                Total Premium: 11.30 lakh
                3,592/Month
                Total Premium: 20.41 lakh
                2,245/Month
                Total Premium: 12.76 lakh
                5,388/Month
                Total Premium: 30.61 lakh
                3,367/Month
                Total Premium: 19.13 lakh
                5,947/Month
                Total Premium: 33.79 lakh
                3,717/Month
                Total Premium: 21.12 lakh
                45 Years (PPT: 40 years)5,971/Month
                Total Premium: 27.14 lakh
                3,732/Month
                Total Premium: 16.96 lakh
                6,629/Month
                Total Premium: 30.13 lakh
                4,143/Month
                Total Premium: 18.83 lakh
                9,944/Month
                Total Premium: 45.20 lakh
                6,215/Month
                Total Premium: 28.25 lakh
                12,546/Month
                Total Premium: 57.02 lakh
                7,841/Month
                Total Premium: 35.64 lakh
                55 Years (PPT: 30 years)11,656/Month
                Total Premium: 39.73 lakh
                7,285/Month
                Total Premium: 24.83 lakh
                13,719/Month
                Total Premium: 46.77 lakh
                8,574/Month
                Total Premium: 29.23 lakh
                20,578/Month
                Total Premium: 70.15 lakh
                12,861/Month
                Total Premium: 43.84 lakh
                26,160/Month
                Total Premium: 89.18 lakh
                16,350/Month
                Total Premium: 55.74 lakh
                60 Years (PPT: 25 years)16,846/Month
                Total Premium: 47.86 lakh
                10,529/Month
                Total Premium: 29.91 lakh
                19,966/Month
                Total Premium: 56.72 lakh
                12,479/Month
                Total Premium: 35.45 lakh
                29,949/Month
                Total Premium: 85.08 lakh
                18,718/Month
                Total Premium: 53.18 lakh
                37,689/Month
                Total Premium: 107.07 lakh
                23,555/Month
                Total Premium: 66.92 lakh

                 

                 

                Age of Female ApplicantPremium Amount for Rs. 75 lakh Term PlanPremium Amount for Rs. 1 crore Term PlanPremium Amount for Rs. 1.5 crore Term PlanPremium Amount for Rs. 2 crore Term Plan
                SmokerNon-SmokerSmokerNon-SmokerSmokerNon-SmokerSmokerNon-Smoker
                18 Years (PPT: 67 years)1,488/Month
                Total Premium payable: 11.33 lakh
                930/Month
                Total Premium payable: 7.08 lakh
                1,500/Month
                Total Premium payable: 11.42 lakh
                938/Month
                Total Premium payable: 7.14 lakh
                2,251/Month
                Total Premium payable: 17.13 lakh
                1,407/Month
                Total Premium payable: 10.71 lakh
                2,675/Month
                Total Premium payable: 20.37 lakh
                1,672/Month
                Total Premium payable: 12.73 lakh
                25 Years (PPT: 60 years)1,707/Month
                Total Premium payable: 11.64 lakh
                1,067/Month
                Total Premium payable: 7.28 lakh
                1,744/Month
                Total Premium payable: 11.89 lakh
                1,090/Month
                Total Premium payable: 7.43 lakh
                2,616/Month
                Total Premium payable: 17.84 lakh
                1,635/Month
                Total Premium payable: 11.15 lakh
                2,972/Month
                Total Premium payable: 20.26 lakh
                1,858/Month
                Total Premium payable: 12.67 lakh
                35 Years (PPT: 50 years)2,617/Month
                Total Premium payable: 14.87 lakh
                1,636/Month
                Total Premium payable: 9.29 lakh
                2,905/Month
                Total Premium payable: 16.50 lakh
                1,815/Month
                Total Premium payable: 10.32 lakh
                4,357/Month
                Total Premium payable: 24.76 lakh
                2,723/Month
                Total Premium payable: 15.47 lakh
                4,801/Month
                Total Premium payable: 27.28 lakh
                3,000/Month
                Total Premium payable: 17.05 lakh
                45 Years (PPT: 40 years)4,794/Month
                Total Premium payable: 21.79 lakh
                2,996/Month
                Total Premium payable: 13.62 lakh
                5,061/Month
                Total Premium payable: 23.00 lakh
                3,163/Month
                Total Premium payable: 14.38 lakh
                7,591/Month
                Total Premium payable: 34.50 lakh
                4,744/Month
                Total Premium payable: 21.56 lakh
                9,496/Month
                Total Premium payable: 43.16 lakh
                5,935/Month
                Total Premium payable: 26.98 lakh
                55 Years (PPT: 30 years)8,883/Month
                Total Premium payable: 30.28 lakh
                5,552/Month
                Total Premium payable: 18.93 lakh
                10,102/Month
                Total Premium payable: 34.44 lakh
                6,314/Month
                Total Premium payable: 21.52 lakh
                15,153/Month
                Total Premium payable: 51.66 lakh
                9,471/Month
                Total Premium payable: 32.29 lakh
                19,378/Month
                Total Premium payable: 66.06 lakh
                12,111/Month
                Total Premium payable: 41.29 lakh
                60 Years (PPT: 25 years)12,611/Month
                Total Premium payable: 35.83 lakh
                7,882/Month
                Total Premium payable: 22.39 lakh
                14,826/Month
                Total Premium payable: 42.12 lakh
                9,266/Month
                Total Premium payable: 26.32 lakh
                22,239/Month
                Total Premium payable: 63.18 lakh
                13,899/Month
                Total Premium payable: 39.49 lakh
                27,941/Month
                Total Premium payable: 79.38 lakh
                17,463/Month
                Total Premium payable: 49.61 lakh