Benefits of Group Term Life Insurance Plans | Max Life Insurance (2023)

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Max Life Insurance Company Limited is a Joint Venture between Max Financial Services Limited and Axis Bank Limited.

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

Operation Center :Max Life Insurance Co. Ltd, Plot No. 90-C UdyogVihar, 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).

Email ids: service.helpdesk@maxlifeinsurance.com

Website: www.maxlifeinsurance.com

*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. Trade logo displayed belongs to Max Financial Services Ltd. and Axis Bank Ltd. respectively and with their consents, are used by Max Life Insurance Co.

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.

Disclaimers for Market Linked Plans & Saving plans:

(Video) Max Life Insurance Term Plan Policy Review | Max Life Smart Secure Plus Term Plan Review

THE 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. Max Life Insurance is only the name of the insurance company and Max Life Online Savings Plan (UIN: 104L098V03) 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 advisor 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.

Max Life Smart Wealth Plan is a Non-Linked Non-Participating Individual Life Insurance Savings Plan (UIN 104N116V04)

*#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 .The Maturity Benefit shown in the illustrative example are inclusive/exclusive of taxes.

#^ The guaranteed benefits are applicable only if all due premiums are paid.

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

*(a) "Protect a smile" initiative is applicable for all term plans i.e. Max Life Five Year Renewal & Convertible Term Insurance (Non Participating)- 104N001V01; Max Life Easy Term Policy- 104N002V01; Max Life Level Term Policy (Non-Participating/Non-Convertible)- 104N009V01; Max Life Platinum Protect-104N060V01; Max Life Platinum Protect II-104N060V02; Max Life Premium Return Term Plan- 104N069V01; Max Life Online Term Plan-104N078V01; Max Life Premium Return Protection Plan- 104N083V01; Max Life Smart Term Plan-104N113V01.

(b)1 year education of an under privileged child will be funded as part of Max Life CSR initiatives.

Privacy Policy

**Standard Premium For 24-Year Old Healthy Male, Non-Smoker, 25 Years Policy Term, 25 Year Premium Payment Term (exclusive of GST) for Max Life Smart Secure Plus Plan (UIN: 104N118V02)

^^On completion of policy term

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

(Video) Max Life Insurance Term Plan Review | Best Term Insurance | Online Live Demo.

^*All claims that qualify for InstaClaim™ will be paid within 1 working day from date of submission of all mandatory documents else Max Life will pay interest at Bank Rate as on beginning of financial year in which claim has been received (4.65 % p.a. for FY’20) for every day of delay beyond one working day. Interest shall be at the bank rate that is prevalent at beginning of the financial year in which death claim has been received.

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)

~@ Age 30: Standard premium for 30 year old Healthy male, 1Cr life cover, 25 years policy term, 25 years premium payment term (exclusive of GST) for Max Life Smart Secure Plus Plan (UIN: 104N118V02)

Age 35: Standard premium for 35 year old Healthy male, 1Cr life cover 25 years policy term, 25 years premium payment term (exclusive of GST) for Max Life Smart Secure Plus Plan (UIN: 104N118V02)Disclaimer for 5% salaried discount

7CMO Asia BFSI Excellence Award 2019

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

4InstaClaim TM is available for all versions of Max Life Online Term Plan (UIN 104N078V01); Max Life Smart Term Plan (UIN: 104N113V01 / 104N113V02/ 104N113V03/104N113V04) and Max Life Smart Secure Plus Plan (UIN:104N118V02). 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)

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 lakh 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 lakh and Opt for Old tax regime.

3The discount is applicable if you are a salaried employee with a corporate. During policy issuance, 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.

CI Rider disclaimers:

MAX LIFE CRITICAL ILLNESS AND DISABILITY RIDER (UIN- 104B033V01) available as a rider on payment of additional premium.

(Video) BEST TERM INSURANCE PLAN IN INDIA | TOP 3 TERM INSURANCE PLAN IN 2023 | TERM INSURANCE | जीवन बीमा |

>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

6 The life insurer is eligible for a discount on renewal premium under regular pay variant by accumulating Healthy Weeks as per terms and conditions of the rider

*^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.

Max Life Smart Secure Plus Plan (UIN: 104N118V02) A Non Linked Non Participating Individual Pure Risk Premium Life Insurance Plan

~ 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:

(Video) What is term insurance in bengali | Benefits of term insurance | Term life insurance এর গুরুত্ব

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.

^As per annual audited financials for the FY 21-22

8https://www.moneycontrol.com/news/business/economy/buy-term-insurance-now-as-rates-may-rise-from-april-1-4930921.html

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

3The guaranteed benefits are available with selected life insurance plans & are applicable if all due premiums are paid

4Tax 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.

1 The 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

9 The percentage savings is for a regular pay Max Life Smart Secure Plus Plan ( A Non Linked Non Participating Individual Pure Risk Premium Life Insurance Plan, UIN - 104N118V02)– 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’

·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.

(Video) BEST TERM INSURANCE PLAN IN INDIA | TOP 3 TERM INSURANCE PLAN IN 2021 | TERM INSURANCE | जीवन बीमा |

·For Riders -#Applicable Rider available on the payment of Additional Premium is Max Life Critical Illness and Disability Rider | Non-Linked Non-Participating Individual Pure Risk Premium Health Insurance Rider |UIN: 104B033V01 . 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.

ARN - ARN/Web/01/21042021

FAQs

What type of benefit is group term life insurance? ›

Group term life insurance is a type of life insurance offered to members of a group, like employees of a company or members of an organization. A group term life insurance policy may not provide you with enough coverage, so you may need to take out an additional individual life insurance policy.

Is term insurance of Max Life good? ›

Good returns in low premiums. Max life term plan of mine is fantastic which has maximum benefits and high returns in less investments. Policy coverage is high ~89% and the claims are easy to get. Service is fabulous provided by the executives and staff of the company.

What are the advantages of term life insurance? ›

Having your own term life insurance policy helps to provide continued coverage for your loved ones in the event of your death even if you change your employer. If you pass away during the term of your policy, your designated beneficiaries will receive a tax-free, lump-sum death benefit.

What are the disadvantages of group term life insurance? ›

The employee has little to no control over their individual coverage. Coverage does not continue or follow the employee if you leave your job. Healthier individuals pay the same premiums as those who are considered to be a higher risk within the group policy.

What is the main benefit of group insurance? ›

Group insurance provides supplemental coverage to better ensure the physical, mental and financial health of insured members and their families. Knowing they can benefit from such coverage is reassuring for both employers and employees.

What is the main advantage of group insurance? ›

Because an insurance provider can spread their risk across a pool of policyholders participating in the group plan, costs are typically lower than other types of health insurance policies. This is considered to be the biggest advantage of group health insurance.

What happens after 20 year term life insurance? ›

What does a 20-year term life insurance policy mean? This is life insurance with a policy term of 20 years. If the policyholder dies during that time, the life insurance company pays a death benefit to his or her beneficiaries, often dependents or family. After 20 years, there is no more coverage, and no benefit paid.

Do you lose money with term life insurance? ›

Term life insurance, unlike permanent life insurance, does not have any cash value and therefore does not have any investment component. 5 If you're still alive when the term ends, the policy simply lapses and you and your beneficiaries don't see any money.

What happens after 30 year term life insurance? ›

What happens after 30-year term life insurance? When the term of your life insurance policy expires, so does your life insurance benefit. You either have to do without or get another policy. However, your age will be much higher at that point, and your rates will typically increase.

How does group term life insurance work? ›

Group term life is typically provided in the form of yearly renewable term insurance. When group term insurance is provided through your employer, the employer usually pays for most (and in some cases all) of the premiums. The amount of your coverage is typically equal to one or two times your annual salary.

What happens after 10-year term life insurance? ›

After 10 years, the policy expires. That means you will no longer have coverage. The death benefit coverage of the policy also only lasts until the end of the term. For example, if the insured dies within the 10-year term, their designated beneficiary will get a lump-sum payment as stated in the policy.

Do we get return in term insurance? ›

You can get money back after term life insurance, but not with all term plans. There are. Some term insurance plans offer only death benefits. In contrast, other term insurance plans allow you to get your premiums back after the policy maturity.

Can you cancel group life insurance at any time? ›

You may cancel life insurance coverage at any time.

What happens with group life insurance when you leave the job? ›

Generally, if you have no other options, your life insurance coverage will end when you leave your job. That means you'll need to apply for new coverage (either at your new job or independently from a life company or broker) based on your current age and health status.

How long does group term insurance last? ›

These policies are typically offered with 10, 15, 20, or 30-year terms, and unlike yearly renewable term, premiums stay the same for the length of the policy.

What are the special features of group insurance? ›

It provides the same level of insurance coverage to all the members of the group eliminating the need for buying individual policies for each member. All these members are covered under the same risk. This policy is provided by organisations as part of their welfare program for the group members.

Is group life insurance better than individual? ›

Group life insurance is easy. Usually, it is cheaper than an individual life insurance policy because your employer contributes to part of the premium. Moreover, it is usually guaranteed issue. Sure, the death benefit is limited, but you can't beat a guaranteed issue (i.e. no underwriting) policy.

Why is group life insurance Not enough? ›

The total amount of coverage may be limited to a certain multiple of the workers salary, such as twice the annual amount of earnings. If there is a maximum coverage limit on a group life insurance policy, it is possible that the total coverage available will not be high enough to provide full protection for loved ones.

What are the advantages and disadvantages of group method? ›

What are the advantages and disadvantages of group-based learning?
  • Disadvantages of large groups. Greater chance of conflict between individual learners. Decision-making takes more time. Segregation of individuals can occur. ...
  • Advantages of large groups. More ideas can be generated. Greater diversity of ideas and opinions.

Are group benefits good? ›

In a competitive job market a group benefits plan is a great way to separate yourself from the competition. A benefits plan can help retain staff, improve morale and productivity, and keep your employees healthy and at work.

What happens if I stop paying term life insurance? ›

Life Insurance

Term: If you stop paying premiums, your coverage lapses. Permanent: If you have this type of policy, you will have the following choices: Cash out the policy. This means that you can stop paying the premium and collect the available cash savings.

At what age should you stop life insurance? ›

You may no longer need life insurance once you've hit your 60s or 70s. If you're living on a fixed income, cutting the expense could give your budget some breathing room. Make sure to discuss your needs with an insurance agent or a financial advisor before making any major moves.

What percentage of term life insurance pays out? ›

99 percent of all term policies never pay a death benefit, because most term policyholders stop paying their premium, causing their policy to lapse. Term policies are around three times cheaper than permanent life insurance, on average, because the chance of a payout on behalf of the policyholder is less likely.

Do I get money back if I cancel my term life insurance? ›

Do You Get Your Money Back If You Cancel Your Term Life Insurance Policy? Unless you've purchased a Return Of Premium Term Life Insurance Policy, you will not get your money back at the end of the term or at any time you cancel the policy. Selling the term policy may be an option.

Is term life worth the money? ›

In short, term life insurance is a worthwhile (and affordable) way to help financially protect your loved ones. A policy's death benefit could help: Replace lost income and pay living expenses, like rent or a mortgage. Pay debts you leave behind.

Does term life insurance Pay full amount? ›

Term life is typically less expensive than a permanent whole life policy – but unlike permanent life insurance, term policies have no cash value, no payout after the term expires, and no value other than a death benefit.

What kind of deaths are not covered in term insurance? ›

Term insurance plans do not cover death due to self-inflicted wounds. Death due to any critical illness is covered under Term plans. It also includes sexually transmitted disease like HIV/AIDS. If you have an existing illness when purchasing a Term insurance plan, then it is mandatory to disclose it.

Whats better whole life or term? ›

If you only need life insurance for a relatively short period of time (such as only when you have minor children to raise), term may be better as the premiums are more affordable. If you need permanent coverage that lasts your entire life, whole life is likely preferred.

Does term life insurance increase with age? ›

Average term life insurance rates by age

Life insurance companies use age as an important determinant for your premium. Rates increase as you age due to a decrease in your life expectancy. The increase in monthly premiums as you age is much smaller if you are young, compared to when you are older.

Can I cash out my group life insurance policy? ›

The first way is to surrender the policy back to the insurance company. The insurance company will give back your policy's cash value minus any fees or penalties when you do this. The second way to cash out your policy is to take out a loan against your policy's cash value. This is called a policy loan.

Do you pay taxes on group term life insurance? ›

There are no tax consequences if the total amount of such policies does not exceed $50,000. The imputed cost of coverage in excess of $50,000 must be included in income, using the IRS Premium Table, and is subject to social security and Medicare taxes.

What is group term life feature? ›

Group Term Life Insurance: An Overview

In this kind of policy, a death benefit is provided to the insured by the insurance company, i.e., during the mentioned period of the term in the policy, if the insured dies, the insurer will pay the specified amount to the beneficiary/nominee mentioned in the policy.

Does term life automatically renew? ›

Term life insurance is a life insurance policy that expires at the end of a set number of years. A renewable term life insurance policy can be renewed after the term expires. The term may be as short as one year. Typically, you can renew your policy without a repeat of a medical exam or requalification.

Can term insurance reject claim after 3 years? ›

The National Consumer Commission has ruled that a life insurance claim cannot be rejected for misstatement in the policy proposal after a period of two years. The law now provides three years.

Does term insurance give maturity benefits? ›

Apart from nominal administrative charges, the insurer allocates all the money you pay towards the protection of your financial future. Therefore, term plans do not provide maturity benefits.

Is it good to take term plan? ›

Term Life Insurance offers a great financial cushion to your family in what could be the most unfortunate time in their lives. It is a great way to make sure that you are with your loved ones at every step of the way.

Is group life insurance compulsory? ›

In Nigeria, group life insurance is compulsory by virtue of the Pensions Reform Act of 2004 (PRA 2004). Section (9) subsection (3) of the Act requires employers to maintain a life insurance policy for their employees for a minimum of (3) three times the annual total emolument of the employees.

Is group life insurance a P11D benefit? ›

Is It A P11D Benefit? Group Life Insurance — also known as Death in Service cover — is generally permitted as a business expense for an employer. Employees usually don't have to pay any tax on group life insurance premiums, either. This is because Group Life Cover is HMRC approved and isn't considered a P11D benefit.

What type of insurance is group insurance? ›

Health insurance provided to employees by an employer or by an association to its members is called group coverage. Health insurance you buy on your own—not through an employer or association—is called individual coverage. Those are the basics.

Is group life insurance a taxable benefit? ›

Note. Premiums you pay for employees' group life insurance that is not group term insurance or optional dependant life insurance are also a taxable benefit.

Is group term life a fringe benefit? ›

The cost of employer-provided group-term life insurance on the life of an employee's spouse or dependent, paid by the employer, is not taxable to the employee if the face amount of the coverage does not exceed $2,000. This coverage is excluded as a de minimis fringe benefit.

Why is it called group life insurance? ›

Answer: Group life insurance is a type of life insurance in which a single contract covers an entire group of people. Typically, the policy owner is an employer or an entity such as a labor organization, and the policy covers the employees or members of the group.

What is an example of group life insurance? ›

Group life insurance is a type of insurance that covers multiple people under one plan. They are usually offered by companies, trade associations, professional associations, and unions. For example, if you join a new company, they might offer group life coverage as an employment benefit.

What is the difference between life insurance and group life insurance? ›

With group life insurance, you don't “own” your policy. If you were to resign or become terminated from the company, the group life insurance policy may not go with you. Once employment is terminated, typically so is the insurance. With an individual life insurance policy, you are the owner.

What is covered group term insurance? ›

Group term life insurance refers to a life insurance plan where the coverage is provided to multiple individuals or a group of people under a single plan. The group term plans aim to offer financial protection to the nominee or the beneficiary in case of the death of the covered individual during the policy term.

Do you need group term life insurance? ›

Group term life insurance is a good benefit to have, but there are some limitations to keep in mind. As mentioned above, because group coverage is linked to employment, if you change jobs, stop working for a period of time, leave to open a business, or retire, then the coverage will stop.

At what age does group life insurance stop? ›

If you retire between ages 65 and 70, that coverage terminates immediately upon your retirement. Additional life insurance coverage will automatically continue beyond age 70 if you are actively employed. Supplemental coverage will end at age 70 even if you continue to work.

What is group term life features? ›

Group term life insurance can include features like group dependent coverage, continuation options for employees who change jobs or retire, and waived premiums for disabled employees.

Is GTL an earning or deduction? ›

On your paycheck under Deductions, you will see “GTL” with a benefit amount. This amount is not the amount deducted from your paycheck, but instead is the value of the taxable benefit that is used to calculate a deduction for social security (6.20%) and Medicare (1.45%) taxes on your paycheck.

What is group term life income? ›

If you see GTL or a similar reference to group term life on your paycheck, that means it's included as part of your employee benefits package. Though your employer may pay the premiums for the insurance, you could owe tax on it depending on the amount of coverage you're provided.

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