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Max Life Life Gain Plus (Participating Plan)

Max Life Life Gain Plus 20 Year Term UIN 104N014V01 Max Life Life Gain Plus 25 Year Term UIN 104N015V01

A Limited Pay Participating Endowment Plan which gives flexibility to choose both premium payment tenure and Policy Term basis your need.

This Plan gives you...

Guaranteed protection through policy term Flexibility of premium payment term
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Guaranteed lump sum payout on policy maturity Added protection through additional rider options

Peace of mind & secure returns

How the Plan Works for You

Arrive at your premium: Choose the amount of insurance, i.e., the Sum Assured and arrive at the premium amount Pay premium for a limited period: Choose between premium payment terms of 6 or 10 years for 20 year policy term and 6, 10 , or 15 years for 25 year policy term

Policy Benefits
ON MATURITY Get guaranteed maturity payout of 110% of Sum Assured along with Accrued Bonuses (if any) IN CASE OF DEATH In case of death before the 5th policy year 100% Sum Assured + accrued bonuses if any In case of death after the 5th policy year 200% Sum Assured + accrued bonuses if any DURING POLICY TERM Option to avail loan facility once the policy has acquired cash surrender value Avail Terminal Illness Benefit by having access to a portion of policy's Death Benefit upon diagnosis of terminal illness with a life expectancy of 6 months or less

Plan Features
Features
Entry Age (Min./Max.) Maximum Maturity Age Policy Term Premium Paying Term Minimum Sum Assured Maximum Sum Assured Premium Payment Options Riders Allowed*

Max Life Life Gain Plus

18-55 Years (20 year term); 18-50 Years (25 year term) 75 Years 20 Years/25 Years 6/10 Years for 20 years & 6/10/15 Years for 25 years `50,000 No limit subject to underwriting Annual, Semi-Annual, Quarterly & Monthly Max Life Term Rider (UIN: 104B019V01); Max Life Dread Disease Rider - (UIN: 104C010V02); Max Life Waiver of Premium Rider - (UIN: 104B018V01); Max Life 5 year Term Renewable and Convertible Rider - (UIN: 104B012V01); Max Life Personal Accident Benefit Rider - (UIN: 104C007V02) 110% of Sum Assured + Accrued Bonus (if any) Sum Assured along with Sum Assured of "Paid-up Addition" (if any) till 5th year of policy. Double the Sum Assured along with Sum Assured of "Paid-up Addition", if any, if the policy is in force for greater than 5 years Coverage upto 50% of the Sum Insured, subject to a maximum cumulative of `5 lakhs per Life Insured under all policies. This benefit is payable if a Registered Medical Practitioner certifies the diagnosis of the terminal illness with a life expectancy of 6 months or less. You may be entitled to certain 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. "Paid-up Addition" (PUA) - Increase the death benefit of your base policy; Premium Offset - Use it to offset against future premiums payable; Cash - Get the amount in your hands

Maturity Benefit Death Benefit Terminal Illness Benefit

Tax Advantage

Bonus Option

* For more details on the rider and the various terms and conditions, please refer to the rider brochure. Please note that the bonuses are NOT guaranteed and may be declared by the Company from time to time.

Illustration
Scenario 1 Entry Age (years) Policy Term What You Pay Death Benefit Before 5 years After 5 years Maturity Benefit + Accrued Bonuses 6% 10% `4,48,956 `7,15,031 `6,01,772 `9,64,246 `7,58,067 `12,25,283 `3 lakh `6 lakh `4 lakh `8 lakh `10 lakh `5 lakh 35 10 pay 20 years `24,294 Scenario 2 40 10 pay 20 years `33,664 Scenario 3 45 10 pay 20 years `44,545

Kindly note that the above are only illustrations and do not in any way create any rights and/or obligations. The actual experience on the contract may be different from illustrated. The nonguaranteed rates mentioned above relate to assumed investment returns at different rates and may vary depending upon the market conditions. The guaranteed and non-guaranteed benefits are applicable only if all due premiums are paid. The premiums mentioned are exclusive of service tax charges. The Bonus option in the illustration is "Paid up Additions".

Eligibility and Benefits of attaching Max Life Term Rider with your Max Life Life Gain Plus Max Life Term Rider (UIN - 104B019V01) allows you to purchase additional life cover at low cost. The benefit under Max Life Term Rider is paid in addition to the base plan in the event of death of the insured.
Benefit Entry Age (Min. / Max.) Expiry Age Min. Sum Assured Max. Sum Assured Additional life cover at low cost 20-55 years 60 years `1 lakh Equal to the Sum Assured of the base policy or `10 lacs, whichever is less

For more details on the rider and the various terms and conditions, please refer to the rider brochure. Max Life Insurance Company Limited is a Joint Venture between Max India Limited and Mitsui Sumitomo Insurance Co. Ltd. Max Life Insurance Co. Ltd., 11th Floor, DLF Square Building, Jacaranda Marg, DLF Phase II, Gurgaon (Haryana) 122002. For more details on risk factors, terms and conditions, please read the sales brochure 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. The life insurance contract is between the Proposer and Max Life Insurance Co. Ltd. Insurance is the subject matter of solicitation. ARN: Max Life/Ideas/Leaflet A4/LGP/01/Web