CUSTOMER INFORMATION SHEET / KNOW YOUR POLICY
Customer Information Sheet Reference No. 186499091
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 Product Axis Max Life Smart Term Plan Plus Policy Preamble
and Unique Identification UIN - 104N127V04
Number (UIN)
2. Policy Number 186499091 Policy Schedule
3. Type of Insurance Policy A Non-linked Non-Participating Individual Pure Risk Life Policy Preamble
Insurance Plan
4. Basic Policy details Instalment Premium: 425.00 Policy Schedule
Mode of Premium payment: Monthly
*Base Sum Assured: 5000000
Sum Assured on Death at inception: 5000000
Monthly Income chosen at inception: NA
Income Cover: NA
Maturity Benefit: NA
Policy Term: 37
Premium Payment Term: 37
Survival Benefit: NA
5. Policy Coverage/benefits Benefits payable on Death: If Life Insured dies during the Policy Clause 1.1.1 of
payable Term, provided the Policy is in force and is not a Lapsed Policy or in Part C
Reduced Paid 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 C
selected the ‘Return of Premium (ROP)’, ‘Early ROP Plus Cover’, or
‘Whole 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 Clause 1 of Part D
Policy at 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 Clause 1.2 of Part
under Reduced Paid Up Mode, then, upon Diagnosis of Life Insured C
with a 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 Clause 1.3 of Part
completed at least three (3) Policy Years from the Date of C
Commencement of Risk 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 Clause 1.4 of Part
Life Insured post completion of minimum Waiting Period of One (1) C
Policy 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 Clause 1.5 of Part
Base Sum Assured following the death of her spouse, provided the C
Policy is 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 C
‘maternity 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 C
option to 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 C
Return of Premium, or ‘Early ROP Plus’, or ‘Whole Life Cover’
Plan 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 No riders are opted. Policy Schedule
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 F
payable), if any. date 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 Clause 5.2 of Part
Annexure – 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
b. a period of 10 months, in case of benefit cover Option of ‘maternity
cover’ 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 Clause 6 of Part D
Policy
13. Lapse, paid-up and revival of Lapse Period: A Policy which has not acquired Surrender Value / Clause 7 of Part D
the Policy Early Exit Value.
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 Clause 3 of Part D
years from the date of first unpaid Premium.
14. Policy Loan, if a applicable • Brief description : Subject to the terms and condition of the Policy, if Clause 2 of Part D
You 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 Clause 2 of Part F
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]
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: ALLAHABAD, UTTAR PRADESH Amrika Devi
(Signature of the Policyholder)
Date: 15/11/2025
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.