Partner insurer

Axis Max Life plans with SP Insurance

Term, savings, retirement and health linked life plans

Axis Max Life Insurance (formerly Max Life Insurance) is a private life insurer in India. SP Insurance helps families in Purnia and Bihar choose, buy and claim on its term, savings, pension and health linked life plans.

Term Insurance

Pure term

Smart Term Plan Plus

A non-linked, non-participating pure risk term plan that pays a lump sum to your family if you pass away during the policy term.

Good for: Earning members who want a large cover at a low yearly cost

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Pure term

Smart Total Elite Protection Term Plan

A term plan aimed at higher cover needs with added protection features, subject to underwriting and eligibility.

Good for: Higher income professionals and business owners

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Pure term

Smart Secure Plus Plan

A non-linked, non-participating term plan with a choice of plan options for life cover.

Good for: Families wanting flexible cover options

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Standard term

Saral Jeevan Bima

The IRDAI standard term plan with simple, uniform features across insurers.

Good for: First time buyers and smaller cover needs

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Savings & Investment

Non-participating savings

Smart Wealth Plan

A non-linked, non-participating life insurance savings plan with guaranteed maturity and death benefits as per the variant chosen.

Good for: Goal based saving with certainty

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Participating income

Smart Wealth Income Plan

A participating savings plan with income options: Early Income, Early Income with Guaranteed Money Back and Deferred Income.

Good for: Regular income for family needs or retirement

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Non-participating savings

Smart Wealth Advantage Guarantee Plan

A savings and life cover product with guaranteed benefits determined by the option selected.

Good for: Savers who prefer guaranteed outcomes

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Participating savings

Smart Wealth Advantage Growth Par Plan

A participating savings plan with guaranteed benefits plus bonuses, if declared by the insurer.

Good for: Long term savers comfortable with bonus linked returns

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Non-participating savings

Smart Wealth Advantage Guarantee Elite Plan

A guaranteed savings plan designed for higher premium commitments, with options as per the brochure.

Good for: High value savers seeking guaranteed returns

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Savings with income

Smart Value Income & Benefit Enhancer Plan

A savings plan that combines income and enhanced benefits with life cover, as per the selected option.

Good for: Families wanting income plus protection

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Non-participating savings

Smart Fixed-return Digital Plan

A savings plan with fixed benefits defined by the plan option and policy terms, bought online.

Good for: Savers comparing with fixed deposits who also want life cover

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Savings

Savings Advantage Plan

A life insurance savings plan offering maturity and death benefits as per the policy terms.

Good for: Disciplined savings for a fixed goal

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ULIP

Flexi Wealth Advantage Plan

A unit linked insurance plan where premiums are invested in funds of your choice along with life cover.

Good for: Long term wealth creation with market exposure

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ULIP

Flexi Wealth Plus Plan

A unit linked plan offering market linked growth with life cover and fund options.

Good for: Investors with a long horizon

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Combination solution

Capital Guarantee Solution

A solution that combines plans so that the capital invested is protected, with growth potential, as described by the insurer.

Good for: Cautious investors wanting some market upside

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Pension & Retirement

Unit linked pension

Forever Young Pension Plan

A unit linked pension plan to build a retirement corpus. The official page lists an entry age range of 18 to 70 years.

Good for: Building a retirement fund, including customers aged 60 to 70

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Annuity

Guaranteed Lifetime Income Plan

An annuity plan that pays income for life under the option chosen, with immediate and deferred income choices.

Good for: Retired or near retirement customers who want fixed lifelong income

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Annuity

Smart Guaranteed Pension Plan

A non-linked annuity plan offering guaranteed pension options for life.

Good for: Converting a lump sum into lifelong pension

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Annuity

Smart Wealth Annuity Guaranteed Pension Plan

An annuity plan providing guaranteed pension with deferment and payout choices.

Good for: Planned retirement income

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Standard annuity

Saral Pension Plan

The IRDAI standard immediate annuity plan with simple, uniform features across insurers.

Good for: Simple pension from a lump sum

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Health Linked Life Plans

Life savings with health benefit

Secure Earnings & Wellness Advantage Plan

A life insurance savings plan combining life cover, savings and specified health benefits. It pays a fixed benefit for qualifying hospitalisation or surgery needing more than 24 hours of admission, as per the variant.

Good for: Extra cash on hospitalisation alongside a regular health policy

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Rider

Smart Ultra Protect Rider

An additional protection rider attached to an eligible base policy. Its benefits apply only under the rider terms and the base plan.

Good for: Adding protection to an Axis Max Life plan

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Group plan

Smart Health Insurance Plan (Group)

A group insurance plan for employers and groups. It is not an individual retail policy.

Good for: Employers and associations

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Plan details are a summary. The insurer's latest brochure and policy wording are final. See all plans on the official site