CUSTOMER INFORMATION SHEET / KNOW YOUR POLICY

Customer Information Sheet Reference No. 138793945

This document provides key information about your Policy. You are also advised to go through your Policy document.

Sl. Title Description in Simple Words Policy Clause

no. (Please refer to applicable Policy Clause Number in next column) Number

1. Name of the Insurance Axis Max Life Smart Term Plan Plus Policy Preamble

Product and Unique UIN - 104N127V05

Identification Number (UIN)

2. Policy Number 138793945 Policy Schedule

3. Type of Insurance Policy A Non-linked Non-Participating Individual Pure Risk Life Insurance Plan Policy Preamble

4. Basic Policy details Instalment Premium: 1253.00 Policy Schedule

Mode of Premium payment: Monthly
*Base Sum Assured: 20000000
Sum Assured on Death at inception: 20000000

Monthly Income chosen at inception: NA

Income Cover: NA
Maturity Benefit: NA
Policy Term: 30
Premium Payment Term: 30

Survival Benefit: NA

5. Policy Coverage/benefits Benefits payable on Death: If Life Insured dies during the Policy Term, Clause 1.1.1 of
payable provided the Policy is in force and is not a Lapsed Policy or in Reduced Paid Part C
Up Mode, We will pay the Guaranteed Death Benefit to the Claimant as per
the Plan Variant selected by You. For more details, please refer to the Policy
document.

Maturity Benefits: The Maturity Benefit is only available if you have Clause 2 of Part
selected the ‘Return of Premium (ROP)’, ‘Early ROP Plus Cover’, or ‘Whole C
Life Cover’ Plan Variants. No Maturity Benefit is provided for other Plan
Variants. For more details, please refer to the Policy document.
Survival Benefits: The Survival Benefit is only available if you have Clause 5 of Part C
selected the ‘Early ROP Plus’ or ‘Whole Life Cover’ Plan Variants. No
Survival Benefit is provided for other Plan Variants. For more details, please
refer to the Policy document.
Surrender Benefits: You may request in writing to Surrender the Policy at Clause 1 of Part D

any time but You will get the Surrender Value only if the Policy has acquired
the Surrender Value or Early Exit Value or Special Exit Value.

Options to Policyholders for availing benefits, if any, covered under the

Policy:

TERMINAL ILLNESS BENEFIT: If the Policy is in force and is not under Clause 1.2 of Part
Reduced Paid Up Mode, then, upon Diagnosis of Life Insured with a C
Terminal Illness, during the Policy Term, We will pay 100% of the
Guaranteed Death Benefit (subject to maximum of Rs. 1 Crore) as
accelerated Terminal Illness Benefit to the Claimant. For more details,
please refer to Policy document.

COVER CONTINUANCE BENEFIT OPTION: If the Policy has completed Clause 1.3 of Part
at least three (3) Policy Years from the Date of Commencement of Risk C

and all the due Premiums have been received in full and the Policy is in
force, then, upon subject to a written request, You shall be allowed to
have a cover continuance benefit under the Policy for a period extending
upto 12 months from the due date of first unpaid Premium. For more
details, please refer to Policy document.

INSTA PAYMENT ON CLAIM INTIMATION: In case of death of the Life Clause 1.4 of Part
Insured post completion of minimum Waiting Period of One (1) Policy C
Year from the Date of Commencement of Risk or Revival of the Policy
and provided the Policy is in force, the Company shall endeavor to pay an
accelerated death benefit as per the Base Sum Assured range from
applicable Guaranteed Death Benefit within One (1) working day from the
claim registration date as gesture to provide interim support. For more
details, please refer to Policy document.

LIFELINE PLUS: This allows a female Life Insured to increase her Base Clause 1.5 of Part
Sum Assured following the death of her spouse, provided the Policy is C
force. For more details, please refer to Policy document.
 HEALTH MANAGEMENT SERVICES: To support the health and Clause 1.6 of Part
wellbeing of the Life Insured, You have the option to access health C
management services from our registered service providers. For more
details, please refer to Policy document.

PREGNANCY RELATED COMPLICATIONS AND CONGENITAL Clause 1.7 of Part

ANOMALIES OF NEWBORN (MATERNITY COVER): This ‘maternity C
cover’ provides financial support in case of pregnancy complications and
congenital anomalies in newborns. Please refer to Annexure B of the
Policy for the list of pregnancy complications (for mother) and congenital

anomalies in newborns (for child) covered under this option and the
percentage of the Maternity Cover Sum Assured amount payable on
happening of such complication or anomalies. For more details, please
refer to Policy document.

Other benefits/options payable, specific to the policy, if any:

SUM ASSURED BOOSTER: If you have opted for the ‘Regular Clause 1.8 of Part
Cover’ and ‘Return of Premium’ Plan Variants. You have an option to C
choose between the first-year discount or an increase in the Sum
Assured on Death in lieu of the discount (“Sum Assured Booster”).
For more details, please refer to Policy document.

REDUCED PAID-UP BENEFIT/ NON FORFEITURE OPTIONS: If Clause 3 of Part

Return of Premium, or ‘Early ROP Plus’, or ‘Whole Life Cover’ Plan C
Variants was chosen by You and Policy has acquired a Surrender
Value, then, in the event of non-payment of the due Premiums by You
to Us, This Policy will not become a Lapsed Policy and by default will
continue under Reduced Paid-Up Mode unless revived. For more
details, please refer to Policy document.

6. Options available (in case of This is not applicable

Linked Insurance Products)

7. Option available(in case of This is not applicable

Annuity product)

8. Riders opted, if any Axis Max Life Accidental Death and Dismemberment Rider (UIN: Policy Schedule
104B027V05): This rider provides additional benefits in case of death or
dismemberment of the Life Insured due to an accident.

9. Exclusions (events where SUICIDE EXCLUSION: If the Life Insured commits suicide, within 12 Clause 5.1 of Part
insurance coverage is not (Twelve) months from the Date of Commencement of Risk or from the date F
payable), if any. of Revival of this Policy, as applicable, all risks and benefits under this Policy
shall cease and We will only refund the sum of Total Premiums Paid, loading
for modal premium and Underwriting Extra Premium, if any, received under
the Policy by Us till the death of the Life Insured to the Claimant.
 For exclusions applicable on Maternity Cover: Please refer to Annexure Clause 5.2 of Part

– B of Policy Document. F

10. Waiting / Lien Period, if any a. 90 days, in case, the Policy is sourced through Point of Sale; and Clause 64 of Part
b. a period of 10 months, in case of benefit cover Option of ‘maternity cover’ B
starting from the Date of Commencement of Risk or Date of Issuance of
Policy or date of Revival, whichever is later.
c. A period of 1 year, in case of insta payment on claim intimation starting from
the Date of Commencement of Risk or Date of Issuance of Policy or date of
Revival, whichever is later.

11. Grace Period Number of Days: 15 Clause 6 of Part

C

12. Free Look Period Number of days: 30 days beginning from the date of receipt of the Policy Clause 6 of Part
D

13. Lapse, paid-up and revival of Lapse Period: A Policy which has not acquired Surrender Value / Early Exit Clause 7 of Part
the Policy Value. D
Policy Renewal: The Premium is due and payable by the due date as Policy Schedule
specified in the Policy Schedule. The Policy will be renewed only upon
receipt of due Premium.
Revival Period: It means the period of five consecutive complete years Clause 3 of Part
from the date of first unpaid Premium. D
 14. Policy Loan, if a applicable • Brief description : Subject to the terms and condition of the Policy, if You Clause 2 of Part D

have opted for Return of Premium, Early ROP Plus Cover and Whole Life
Cover’ as Plan Variants and once this Policy has acquired the Surrender
Value, then, You will be eligible for grant of loans from Us.

15. Claims/Claims Procedure Turn Around Time (TAT): For details, refer to “Service TATs in Insurance - Clause 2 of Part F
Axis Max Life Insurance”.
Helpline number: 1860-120-5577 (Call charges apply) or 0124-4219090.
Contact Details of the Insurer: Axis Max Life Insurance Limited, Plot No.
90C, Udyog Vihar, Sector 18, Gurugram-122015, Haryana, India. Website –
[Link]
Link for downloading applicable forms and list of documents required
including bank account details: [Link]

16. Policy Servicing Turn Around Time (TAT): For details, refer to “Service TATs in Insurance -
Axis Max Life Insurance”.
Helpline number: 1860-120-5577 (Call charges apply) or 0124-4219090.
Contact Details of the Insurer: Axis Max Life Insurance Limited, Plot No.
90C, Udyog Vihar, Sector 18, Gurugram-122015, Haryana, India. Website –
[Link]

Link for downloading applicable forms and list of documents required

including bank account details: [Link]

17. Grievances /Complaints Contact Details of Grievance Redressal Officer of the insurer: Clause 1 of Part G
Grievance Redressal Officer, Axis Max Life Insurance Limited, Plot No.
90C, Udyog Vihar, Sector 18, Gurugram-122015, Haryana, India.
Helpline number: 1860-120-5577 (Call charges apply) or 0124-4219090.
Link for registering the grievance with the insurer’s portal:
[Link]
Contact details of Ombudsman: Find your nearest Ombudsman office at
[Link]

Declaration by the Policyholder

I have read the above and confirm having noted the details.
Place: LUCKNOW, UTTAR PRADESH Pavan Tripathi
(Signature of the Policyholder)
Date: 10/08/2026
Note:
i. For the product related documents including the Customer Information sheet please refer to the [Link]
plans/smart-term-plan-plus.
ii. In case of any conflict, the terms and conditions mentioned in the Policy document shall prevail.
iii. *Base Sum Assured is subject to underwriting, for actual Sum Assured details & updated UIN number (in case of modification), please refer to
the Policy document.
iv. In the event of any conflict or discrepancy between any translated version and the English language version of this CIS, the English language
version of this CIS shall prevail.
 CUSTOMER INFORMATION SHEET/KNOW YOUR POLICY

Customer Information Sheet reference no. 138793945

This document provides key information about your Rider. You are also advised to go through your Rider Contract.

Sl. Title Description Rider Clause

no. (Please refer to applicable Rider Clause Number in next column) Number

1. Name of Insurance Product / Axis Max Life Accidental Death and Dismemberment Rider Preamble

Rider UIN UIN: 104B027V05

2. Policy number 138793945 Schedule

3. Type of Insurance Product / A Non-Linked Non-Participating Individual Pure Risk Health Insurance Preamble
Rider Rider

4. Rider Sum Insured (Along with *Rider Sum Assured - 10000000 Schedule
amount)

Subject to the terms and condition of the Rider, the following benefits will be

paid, in addition to the benefits of the base Policy:

Accidental Death Benefit: Clause 2.1 of Part

Rider Sum Assured is payable, if the Life Insured dies due to an Accident C
(and independent from any other physical or mental illness) within 180 days

Rider Coverage (What does of the Accident and before expiry of Rider Term, provided that the Accident
5. the Rider covers?) occurred when the Rider and the base Policy were in force.

(Rider Clause Number/s) Accidental Dismemberment Benefit: Clause 2.2 of Part

Rider Sum Assured is payable, if the Life Insured suffers one or more of the C

following impairments due to an Injury (and independent from all other

causes) within 180 days of the Accident and before expiry of Rider Term

provided that the Accident occurred when the Rider and the base Policy
were in force. For more details, please refer to the Rider Document.
6. Exclusions Suicide Exclusion: Total Premium Paid, Underwriting Extra Premiums and Clause 5.1 of

(what the Rider does not loadings for modal premiums paid, if any received by Us under this Rider will Part D

cover) be returned if the death of the Life Insured is directly or indirectly, voluntarily
or involuntarily due to or caused, occasioned, accelerated or aggravated by

suicide or attempted suicide by the Life Insured, whether sane or insane

within 12 (Twelve) months from the Date of Commencement of Risk under

Rider or the date of revival of the Rider.

Other Exclusions: No payment shall be made under this Rider if the Clause 5.2 of

Injury/death of the Life Insured is directly or indirectly, voluntarily or Part D

involuntarily due to or caused, occasioned, accelerated or aggravated by any

of the following:
The Life Insured being under the influence of drugs, alcohol, narcotics

or psychotropic substance, not prescribed by a Medical Practitioner;

Injuries resulting from war (declared or undeclared), invasion, civil war,

riots, revolution or any warlike operations;

Participation by the Life Insured in a criminal or unlawful act with

criminal intent;
Service in military / para military, naval, air forces or police

organizations of any country in a state of war (declared or undeclared)

or of armed conflict;

Participation by the Life Insured in any flying activity other than as a

bona fide passenger (whether paying or not), pilots or cabin crew in a

licensed scheduled aircraft;

Engaging in or taking part in professional sport(s) or any hazardous

pursuits, including but not limited to, diving or riding or any kind of race;
underwater activities involving the use of breathing apparatus or not;

martial arts; hunting; mountaineering; parachuting; bungee jumping; or

The radioactive, explosive or hazardous nature of nuclear fuel

materials or property contaminated by nuclear fuel materials or

accident arising from such nature.

7. Waiting period This is not applicable

 We will pay the Rider Sum Assured if the Life Insured dies due to an Accident Clause 2.1 and
8. Financial limits of coverage
(and independent from any other physical or mental illness) or suffers one or 2.2 of Part C
i. Sub-limit
more impairments due to an Injury (and independent from all other causes)
(It is a pre-defined limit and the
within 180 days of the Accident and before expiry of Rider Term provided that
insurance company will not
the Accident occurred when this Rider and the base Policy were in force.
pay any amount in excess of
this limit)

ii. Co-payment Not Applicable

(It is a specified

amount/percentage of the
admissible claim amount to be

paid by policyholder/insured)

iii. Deductible Not Applicable

(It is a specified amount up to

which an insurance company

will not pay any claim, and

which will be deducted from

total claim amount (if claim

amount is more than the

specified amount)

iv. Any other limit (as Not Applicable

applicable)

9. Claims/Claims Procedure Turn Around Time (TAT): For details, refer to “Service TATs in Insurance - Clause 3 of Part F

Axis Max Life Insurance”.

Helpline number: 1860-120-5577 (Call charges apply) or 0124-4219090.

Contact Details of the Insurer: Axis Max Life Insurance Limited, Plot No.
90C, Udyog Vihar, Sector 18, Gurugram-122015, Haryana, India. Website –

[Link]
Link for downloading applicable forms and list of documents required

including bank account details: [Link]

10. Policy Servicing Helpline No. - 1860 120 5577 or (0124) 4219090
Email: [Link]@[Link]

Chief Customer Officer

Axis Max Life Insurance Limited, Plot No. 90C, Udyog Vihar, Sector 18,

Gurugram-122015, Haryana, India.

Websites :[Link]

11. Grievances/Complaints Grievance Redressal Officer: Part G

Axis Max Life Insurance Limited, Plot No. 90C, Udyog Vihar, Sector 18,

Gurugram, 122015, Haryana, India

Helpline No. – 1860 120 5577 or (0124) 4219090

Email: [Link]@[Link];
- For list of Ombudsman : Find your nearest Ombudsman office at:

[Link]
 12. Things To remember Free Look cancellation: You may cancel the insurance Rider, if you do not Clause 7 of Part
want it, within 30 days from the beginning of the date of receipt of Rider. For D

more details, please refer to Rider Document.

Rider Revival: A Lapsed Rider can be revived within the Revival Period Clause 3 of Part

subject to terms and conditions of the Rider. D

Rider Renewal: A Rider can be renewed in accordance with the terms of Clause 3.2 of Part

the base Policy. For more details, please refer to the Rider Document. C

13. Your Obligations The Rider will lapse and no benefit is payable under the Rider, if Rider Clause 4 of Part

premium is not received by end of Grace Period or the base Policy lapses C
or goes into non-forfeiture mode.

Fraud, misstatement and forfeiture would be dealt with in accordance with Clause 5 of Part
provisions of Section 45 of the Insurance Act, 1938 as amended from time F

to time.
Nomination is allowed as per Section 39 of the Insurance Act, 1938 as Clause 6 of Part

amended from time to time. F

Assignment is allowed as per Section 38 of the Insurance Act, 1938 as Clause 7 of Part

amended from time to time. F

Declaration by the Policy Holder:

I have read the above and confirm having noted the details.

Place: LUCKNOW, UTTAR PRADESH Pavan Tripathi

Date: 10/08/2026 (Signature of the Policyholder)

Note:
1. For the rider related documents including the Customer Information sheet please refer to [Link]

2. In case of any conflict, the terms and conditions mentioned in the Rider document/certificate of insurance shall prevail.
3. In the event of any conflict or discrepancy between any translated version and the English language version of this CIS, the English language

version of this CIS shall prevail.