{"uin":"104L082V06","name":"Axis Max Life Fast Track Super Plan","url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06","insurer":{"slug":"axis-max-life-insurance","name":"Axis Max Life Insurance Limited","url":"https://indiainsurances.com/insurer/axis-max-life-insurance"},"line":"life","category":"ulip","category_name":"ULIPs (unit-linked plans)","irdai_type":"ULIP","kind":"product","status":"active","approved_on":"2013-12-10","withdrawn_on":null,"summary":"Axis Max Life Fast Track Super is a unit linked non-participating individual life insurance plan with Single Pay, 5 Pay and Regular Pay premium payment terms. It has a 5 year lock-in period, pays Fund Value on maturity, and pays the higher of Sum Assured on Death reduced by recent partial withdrawals or Fund Value on death, subject to a minimum of 105% of total premiums paid.","analysis":{"state":"machine","analysed_at":"2026-10-20 00:39:46.229534+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Single Pay","5 years (5 Pay)","20 years (Regular Pay)"],"display":"Single Pay; 5 years (5 Pay); 20 years (Regular Pay)","note":null,"quote":"Premium Payment Term | Single Pay/ 5 years (5 Pay) / 20 years (Regular Pay)","sources":[{"clause":null,"heading":"AXIS MAX LIFE FAST TRACK SUPER AT A GLANCE","page":17,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2349#c-axis-max-life-fast-track-super-at-a-glance"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"10 years if the premium payment mode is Single Premium or Regular Premium with a Premium Payment Term of 5 years; 20 years if the premium payment mode is Regular Premium with Premium Payment Term of 20 years.","display":"10 years for Single Premium or 5-year Premium Payment Term; 20 years for Regular Premium with 20-year Premium Payment Term","note":null,"quote":"\"Policy Term\" means the term of the Policy as specified in the Schedule which is 10 (Ten) years if the premium payment mode is Single Premium or Regular Premium with a Premium Payment Term of 5 (Five) years; and 20 (Twenty) years if the premium payment mode is Regular Premium with Premium Payment Term of 20 years;","sources":[{"clause":"33","heading":"\"Policy Term\"","page":6,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2840#c-33"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"The claimant is required to intimate the insurer at the earliest possible time, with the necessary documents, either in person, online, through the distribution channel or through the authorized call centre.","display":"At the earliest possible time","note":null,"quote":"The Claimant is required to intimate Us along with necessary documents as mentioned above, regarding a claim under the Policy, at the earliest possible time either in person or through online mode or Our distribution channel or authorized call centre.","sources":[{"clause":"8.6","heading":null,"page":26,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2840#c-8-6"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Claimant’s statement in the prescribed form (death claim application form -form A)","original Policy document","police complaint/ first information report for accident, unnatural or suicidal death","post mortem report, autopsy/viscera report and final police investigation report /charge sheet for accident, unnatural or suicidal death","death certificate issued by the local/municipal authority","discharge summary / indoor case papers in case death happened due to medical reasons in a hospital","identity proofs of the Claimants bearing their photographs and signatures","copy of bank passbook / cancelled cheque of the Claimant","NEFT Form for maturity claim","cancelled cheque or copy of passbook with pre-printed name and bank account number for maturity claim","self-attested photo ID proof for maturity claim"],"display":"Death claim documents include claimant statement, original policy, death certificate, identity proof and accident or medical documents where applicable; maturity claim documents include NEFT form, bank proof and self-attested photo ID.","note":null,"quote":"a) Claimant’s statement in the prescribed form (death claim application form -form A);\nb) original Policy document;\nc) a copy of police complaint/ first information report (only in the case of death by accident or unnatural death or suicidal death of the Life Insured);\nd) a copy of duly certified post mortem report, autopsy/viscera report and a copy of the final police investigation report /charge sheet (only in the case of death by accident or unnatural death or suicidal death of the Life Insured);\ne) original/ attested copy of death certificate issued by the local/municipal authority (only in the case of death of the Life Insured);\nf) discharge summary / indoor case papers in case death happened due to medical reasons in a hospital; ... j) identity proofs of the Claimants bearing their photographs and signatures (only in case of death of the Life Insured)\n ... m) copy of bank passbook / cancelled cheque of the Claimant; ... a) NEFT Form (if not provided earlier)\nb) a cancelled cheque or copy of passbook with pre-printed name and bank account number, for payout through NEFT (if not provided earlier or in case of any change in details provided earlier)\nc) a self-attested photo ID proof","sources":[{"clause":"8.1.1","heading":"Death claim documents","page":26,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2840#c-8-1-1"},{"clause":"8.1.2","heading":"Maturity claim documents","page":26,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2840#c-8-1-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":"The CIS points to “Service TATs in Insurance - Axis Max Life Insurance” for the turn around time, but the product documents provided do not state a claim settlement time.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["If the Life Insured commits suicide, whether sane or insane, within 12 (Twelve) months from the Effective Date/ Date of Commencement of Risk or from the date of the latest revival of the Policy, the benefits under the Policy shall immediately and automatically cease."],"display":"Suicide within 12 months from commencement of risk or latest revival is excluded from full benefits; only Fund Value on intimation is paid.","note":null,"quote":"If the Life Insured commits suicide, whether sane or insane, within 12 (Twelve) months from the Effective Date/ Date of Commencement of Risk or from the date of the latest revival of the Policy, the benefits under the Policy shall immediately and automatically cease. We will terminate the Policy by paying only the Fund Value prevailing on the date of intimation of death of the Life Insured.","sources":[{"clause":"5(i)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2840#c-5-i"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"Consumer grievances or queries should first be addressed to the agent, the customer helpdesk, or any office of Axis Max Life Insurance. If the response is not satisfactory or there is no response within 14 days, a written complaint can be sent to the Grievance Redressal Officer.","display":"First contact agent/customer helpdesk or any Axis Max Life office; if unsatisfactory or no response within 14 days, write to the Grievance Redressal Officer.","note":null,"quote":"All consumer grievances and/or queries may be first addressed to your agent or our customer helpdesk as mentioned below:\na) Axis Max Life Insurance Limited, Plot 90C, Urban Estate, Udyog Vihar, Sector 18, Gurugram- 122015, Haryana, India, Helpline No. – 1860 120 5577, Email: service.helpdesk@axismaxlife.com; or\nb) Any office of Axis Max Life Insurance Limited. ... If our response is not satisfactory or there is no response within 14 (Fourteen) days ... the complainant may file a written complaint with full details of the complaint and the complainant’s contact information to the following official for resolution:\nGreivance Redressal Officer, Axis Max Life Insurance Limited Plot No. 90C, Urban Estate, Udyog Vihar,Sector 18, Gurugram- 122015, Haryana, India Helpline No. – 1860 120 5577 or (0124) 4219090 Email: manager.services@axismaxlife.com","sources":[{"clause":"1.1","heading":null,"page":28,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2840#c-1-1-4"},{"clause":"1.2","heading":"If our response is not satisfactory or there is no response within 14 (Fourteen) days","page":28,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2840#c-1-2-4"},{"clause":"1.2.1","heading":null,"page":28,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2840#c-1-2-1"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_assured","label":"Sum assured","section":"Cover","meaning":"The minimum and maximum life cover, or the rule that sets it (for example 10 times the annual premium).","status":"quote-verified","value":"Sum Assured is the Annualized or Single Premium multiplied by the Sum Assured Multiple chosen by the policyholder. The allowed multiples vary by premium payment term and entry age, and the maximum Sum Assured has no limit subject to underwriting.","display":"Sum Assured = Annualized/Single Premium × chosen multiple; maximum no limit subject to underwriting","note":"Multiples shown in the prospectus include Single Pay 1.25 for age <= 49 and 1.1 & 1.25 for age >= 50; 5 Pay 7 & 10 for age <= 49, 5, 7 & 10 for ages 50 to 57, and 5 & 7 or 10 for age >=58 depending on minimum premium; 20 years Regular Pay 7 & 10 for age <= 49 and 5, 7 & 10 for age 50.","quote":"Sum Assured is Annualized/Single Premium times the Sum Assured Multiple as chosen by the policyholder ... Maximum Sum Assured | No Limit, subject to underwriting, as per the Board approved underwriting policy of the Company","sources":[{"clause":null,"heading":"AXIS MAX LIFE FAST TRACK SUPER AT A GLANCE","page":17,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2349#c-axis-max-life-fast-track-super-at-a-glance"}],"law":[]},{"key":"death_benefit","label":"Death benefit","section":"Cover","meaning":"What your family gets if you die during the term, and how it is calculated.","status":"quote-verified","value":"If the Life Insured dies while the insurance coverage is in force, the insurer pays the higher of the Sum Assured on Death reduced by partial withdrawals made during the two years immediately preceding death, or the Fund Value on the date of death, subject to a minimum of 105% of total premiums paid until death.","display":"Higher of Sum Assured on Death less partial withdrawals in the preceding 2 years or Fund Value, subject to minimum 105% of total premiums paid","note":null,"quote":"in the event of the Life Insured's death when the insurance coverage under the Policy is in force, We shall pay the higher of the Sum Assured on Death reduced by Partial Withdrawals made during the two years immediately preceding the date of death of the Life Insured; or the Fund Value (on the date of the Life Insured's death), provided that the amount payable shall in no event be less than the Minimum Death Benefit. ... \"Minimum Death Benefit\" means 105% (Hundred and Five percent) of the Total Premium Paid until the date of the Life Insured's death;","sources":[{"clause":"1.1(a)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2840#c-1-1-a"},{"clause":"23","heading":"\"Minimum Death Benefit\"","page":5,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2840#c-23"}],"law":[]},{"key":"maturity_benefit","label":"Maturity benefit","section":"Cover","meaning":"What you get if you survive to the end of the term.","status":"quote-verified","value":"On the Maturity Date, if the Life Insured is alive and the insurance cover is in force, or if the policy is a Paid Up Policy, the insurer pays the Fund Value applicable on the Maturity Date unless the Settlement Option has been accepted.","display":"Fund Value on the Maturity Date, unless Settlement Option is chosen and accepted","note":null,"quote":"on the Maturity Date, if the Life Insured is alive and the insurance cover under this Policy is in force or if this Policy is a Paid Up Policy in accordance with Clause 3 of Part C, We will pay the Fund Value applicable on the Maturity Date to You unless You have opted for the Settlement Option in accordance with Clause 8 of Part D below and We have accepted the same.","sources":[{"clause":"1.2","heading":"Maturity Benefit","page":8,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2840#c-1-2-2"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"The premium payment terms are Single Pay, 5 years (5 Pay), and 20 years (Regular Pay).","display":"Single Pay / 5 years (5 Pay) / 20 years (Regular Pay)","note":null,"quote":"Premium Payment Term | Single Pay/ 5 years (5 Pay) / 20 years (Regular Pay)","sources":[{"clause":null,"heading":"AXIS MAX LIFE FAST TRACK SUPER AT A GLANCE","page":17,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2349#c-axis-max-life-fast-track-super-at-a-glance"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"The maximum age of the Life Insured on the Maturity Date shall not exceed age 70.","display":"Maximum maturity age 70 years","note":"The same clause also states that the minimum age on maturity shall not be below 18 years.","quote":"The maximum Age of the Life Insured on the Maturity Date shall not exceed Age 70 (Seventy).","sources":[{"clause":"1.1","heading":"You agree that","page":25,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2840#c-1-1-3"}],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"quote-verified","value":"If the Life Insured commits suicide, sane or insane, within 12 months from commencement of risk or the latest revival, policy benefits cease and the policy is terminated by paying only the Fund Value on the date of intimation of death. Charges other than Fund Management Charges recovered after the date of death are added back.","display":"Within 12 months from commencement or latest revival: only Fund Value on death intimation, with post-death charges other than FMC added back","note":null,"quote":"If the Life Insured commits suicide, whether sane or insane, within 12 (Twelve) months from the Effective Date/ Date of Commencement of Risk or from the date of the latest revival of the Policy, the benefits under the Policy shall immediately and automatically cease. We will terminate the Policy by paying only the Fund Value prevailing on the date of intimation of death of the Life Insured. ... Any charges other than Fund Management Charges recovered subsequent to the date of death shall be added back to the Fund Value as available on the date of intimation of death.","sources":[{"clause":"5(i)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2840#c-5-i"},{"clause":"5(ii)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2840#c-5-ii"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 21","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 35","url":"https://indiainsurances.com/law/irdai-life-products-2024"}]},{"key":"surrender","label":"Surrender value","section":"Renewal and rights","meaning":"What you get if you stop the policy early, and from when.","status":"quote-verified","value":"The policy can be surrendered any time during the policy term by written notice. Within the lock-in period, Fund Value is credited to the Discontinuance Policy Fund after applicable charges and paid after the lock-in period; after the lock-in period, the Surrender Value equals the Fund Value on receipt of a valid surrender request.","display":"Within lock-in: Fund Value less applicable charges goes to Discontinuance Policy Fund and is paid after lock-in; after lock-in: Surrender Value equals Fund Value on valid surrender request","note":null,"quote":"At any time during the Policy Term, You have the right to Surrender the Policy by giving Us a written notice: ... If You Surrender the Policy within the Lock in Period, we will credit the Fund value by creation of Units into the Discontinuance Policy Fund after deducting applicable Discontinuance/Surrender Charges and the risk cover under the Policy and any applicable Riders, if any, will cease. ... On the expiry of the Lock in Period, We will close the Unit Account and the value of Units in the Discontinuance Policy Fund as at that date shall be paid to You. ... If You Surrender the Policy after the completion of the Lock in Period, We shall close the Unit Account and pay the Surrender Value which is equal to the Fund Value prevailing on the date of receipt of a valid request for Surrender.","sources":[{"clause":"2","heading":"SURRENDER","page":11,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2840#c-2-6"},{"clause":"2(a)(i)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2840#c-2-a-i"},{"clause":"2(a)(ii)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2840#c-2-a-ii"},{"clause":"2(a)(iv)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2840#c-2-a-iv"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.1 to 26.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.4 and 26.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 27","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.16 and 1.17","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(1) to (3)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(4) and (5)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(6) to (9)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)(c)(V)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"paid_up","label":"Paid-up value","section":"Renewal and rights","meaning":"What cover continues if you stop paying premiums after a few years.","status":"quote-verified","value":"After the lock-in period, if the Regular Premium is not received in full by the end of the Grace Period, the policy automatically becomes a reduced Paid Up Policy with Paid-up Sum Assured and continues without rider cover. During the Revival Period, reduced paid-up risk cover is restricted to the Paid Up Sum Assured on Death and charges continue.","display":"After lock-in, unpaid premium after grace converts the policy to reduced Paid Up Policy with Paid-up Sum Assured","note":"During the lock-in period, on discontinuance after the grace period the risk cover ceases and the Fund Value is credited to the Discontinuance Policy Fund after applicable charges.","quote":"If the Regular Premium is not received in full by the expiry of the Grace Period, the Policy shall be immediately and automatically converted into a reduced Paid Up Policy with the Paid-up Sum Assured. The Policy shall continue to be in reduced paid-up status without rider cover, if any. ... During the Revival Period, the risk cover under a reduced Paid Up Policy shall be restricted to the Paid Up Sum Assured on Death and all applicable Charges i.e. Policy Administration Charge, Mortality Charge and Fund Management Charge will continue to be levied.","sources":[{"clause":"1.2(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2840#c-1-2-a"},{"clause":"1.2(e)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2840#c-1-2-e"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"conflicting","value":"The policy wording defines the Revival Period as 3 consecutive years from the date of first unpaid Regular Premium.","display":"3 consecutive years from the date of first unpaid Regular Premium","note":"CIS says: “Revival Period: It means the period of five consecutive complete years from the date of first unpaid Premium.”","quote":"\"Revival Period\" means a period of 3 (Three) Consecutive years from the date of first unpaid Regular Premium;","sources":[{"clause":"41","heading":"\"Revival Period\"","page":6,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2840#c-41"},{"clause":"Row 13","heading":"Lapse, paid-up and revival of the Policy","page":3,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2367#c-row-13"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.7","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.28","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.39","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"policy_loan","label":"Policy loan","section":"Renewal and rights","meaning":"Whether you can borrow against the policy.","status":"quote-verified","value":"Loans are not available under this policy.","display":"No policy loans","note":null,"quote":"You are not entitled to loans under this Policy.","sources":[{"clause":"3","heading":"POLICY LOAN","page":12,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2840#c-3-7"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"quote-verified","value":["Axis Max Life Critical Illness and Disability Secure Rider (UIN: 104A034V02)","Axis Max Life Smart Ultra Protect Rider (UIN: 104A049V03)"],"display":"Axis Max Life Critical Illness and Disability Secure Rider; Axis Max Life Smart Ultra Protect Rider","note":"Smart Ultra Protect Rider variants listed are Term Booster with Accelerated Terminal Illness, Accidental Death Benefit, Accidental Total and Permanent Disability, and Payor Benefit.","quote":"Riders | Axis Max Life Critical Illness and Disability Secure Rider (UIN: 104A034V02): This rider provides benefit upon diagnosis of any of the critical illnesses covered. Please refer to Axis Max Life Critical Illness and Disability Secure Rider prospectus for more details. Axis Max Life Smart Ultra Protect Rider (UIN: 104A049V03): This rider provides following rider benefit variants:","sources":[{"clause":null,"heading":"AXIS MAX LIFE FAST TRACK SUPER AT A GLANCE","page":17,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2349#c-axis-max-life-fast-track-super-at-a-glance"}],"law":[]},{"key":"section45","label":"Claims after 3 years (Section 45)","section":"Claims","meaning":"After 3 years a life policy cannot be questioned on any ground, and only for fraud with proof before that.","status":"quote-verified","value":"No life insurance policy can be called in question on any ground after expiry of 3 years from the later of issuance, commencement of risk, revival, or rider date. Within 3 years it may be questioned for fraud or for material misstatement or suppression, with written communication of the grounds and materials; if repudiation is for misstatement and not fraud, premiums collected are paid within 90 days from repudiation.","display":"After 3 years, no policy can be called in question; within 3 years, fraud or material misstatement may be grounds subject to written communication","note":null,"quote":"No Policy of Life Insurance shall be called in question on any ground whatsoever after expiry of 3 yrs from\na) the date of issuance of policy or\nb) the date of commencement of risk or\nc) the date of revival of policy or\nd) the date of Rider to the policy whichever is later. ... On the ground of fraud, a policy of Life Insurance may be called in question within 3 years from ... For this, the insurer should communicate in writing to the insured or legal representative or nominee or assignees of insured, as applicable, mentioning the ground and materials on which such decision is based. ... Life insurance Policy can be called in question within 3 years on the ground that any statement of or suppression of a fact material to expectancy of life of the insured was incorrectly made in the proposal or other document basis which policy was issued or revived or RSider issued. ... In case repudiation is on ground of mis-statement and not on fraud, the premium collected on policy till the date of repudiation shall be paid to the insured or legal representative or nominee or assignees of insured, within a period of 90 days from the date of repudiation.","sources":[{"clause":"1","heading":null,"page":29,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2840#c-1-9"},{"clause":"2","heading":null,"page":29,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2840#c-2-8"},{"clause":"6","heading":null,"page":29,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2840#c-6-11"},{"clause":"7","heading":null,"page":29,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2840#c-7-4"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 45","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"tax_note","label":"Tax note in the document","section":"Premium","meaning":"What the document says about tax benefits. Not stated when it only says taxes are charged on the premium. Tax law changes; confirm separately.","status":"quote-verified","value":"Tax benefits and liabilities under the policy are subject to prevailing tax laws, which may change, and the policyholder is advised to seek tax advice.","display":"Tax benefits and liabilities are subject to prevailing tax laws and change","note":null,"quote":"Tax benefits and liabilities under this Policy are subject to prevailing tax laws. Tax laws and the benefits arising from the same are subject to change. You are advised to seek the opinion of Your tax advisor in relation to applicable tax benefits and liabilities.","sources":[{"clause":"9(b)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2840#c-9-b"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days beginning from the date of receipt of the Policy","note":null,"quote":"“Free Look” means a period of thirty (30) days beginning from the date of receipt of the Policy, to review the terms and conditions of the Policy","sources":[{"clause":"7","heading":"FREE LOOK PERIOD","page":13,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2840#c-7-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days; 15 days for monthly mode","note":"15 days applies where the policyholder pays the premium on a monthly basis.","quote":"The Grace Period for payment of the Premium for all types of life insurance policies shall be 15 (Fifteen) days where the policyholder pays the premium on a monthly basis and 30 (thirty) days in all other cases;","sources":[{"clause":"17","heading":"\"Grace Period\" (other than single premium policies","page":5,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2840#c-17"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Minimum entry age is 91 days. Maximum entry age is 60 years for Single Premium or Regular Premium with a 5-year Premium Payment Term, and 50 years for Regular Premium with a 20-year Premium Payment Term.","display":"Minimum 91 days; maximum 60 years for Single Premium or 5-year PPT, 50 years for 20-year PPT","note":null,"quote":"the Life Insured is not less than Age 91 days on the Effective Date/ Date of Commencement of Risk and not more than:\ni) Age 60 (Sixty) on the Effective Date/ Date of Commencement of Risk, if the premium payment mode is Single Premium or Regular Premium with a Premium Payment Term of 5 (Five) years;\nii) Age 50 (Fifty) on the Effective Date/ Date of Commencement of Risk, if the premium payment mode is Regular Premium with a Premium Payment Term of 20 (Twenty) years.","sources":[{"clause":"1.1","heading":"You agree that","page":25,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2840#c-1-1-3"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["annually","semi-annually","quarterly","monthly"],"display":"Annually, semi-annually, quarterly or monthly","note":null,"quote":"The Regular Premium can be paid by You annually, semi-annually, quarterly or monthly as per the Premium Frequency chosen by You.","sources":[{"clause":"3.2","heading":null,"page":9,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2840#c-3-2-2"}],"law":[]},{"key":"premium_type","label":"Premium payment type","section":"Premium","meaning":"Single premium, regular premium (every year of the term) or limited premium (fewer years than the term).","status":"quote-verified","value":["Single Pay","5 years (5 Pay)","20 years (Regular Pay)"],"display":"Single Pay / 5 years (5 Pay) / 20 years (Regular Pay)","note":null,"quote":"Premium Payment Term | Single Pay/ 5 years (5 Pay) / 20 years (Regular Pay)","sources":[{"clause":null,"heading":"AXIS MAX LIFE FAST TRACK SUPER AT A GLANCE","page":17,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2349#c-axis-max-life-fast-track-super-at-a-glance"}],"law":[]},{"key":"lock_in","label":"Lock-in period","section":"Renewal and rights","meaning":"Years before you can withdraw. ULIPs have a 5-year lock-in.","status":"quote-verified","value":{"unit":"years","amount":5},"display":"5 years","note":null,"quote":"\"Lock in Period\" means a period of 5 (Five) consecutive years from the Date of Commencement of Risk during which period the proceeds of the Policy cannot be paid by Us to You or to the Life Insured, as the case may be, except in the case of death or upon the happening of any other contingency covered under the Policy;","sources":[{"clause":"21","heading":"\"Lock in Period\"","page":5,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2840#c-21"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 42","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 54.1 and 54.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.22 to 1.24","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vii) to (ix)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"funds","label":"Fund options","section":"Cover","meaning":"The investment funds you can choose and their risk.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"premium_allocation_charge","label":"Premium allocation charge","section":"Charges","meaning":"Part of each premium taken before investing.","status":"quote-verified","value":"For Regular Premium policies, the Premium Allocation Charge is 4% in policy year 1, 3% in years 2-5, 3% in years 6-10 if applicable, and 0% from year 11 onward if applicable. For Single Premium policies, it is 4% in policy year 1 and not applicable in years 2-10.","display":"Regular Premium: 4% year 1, 3% years 2-10 if applicable, 0% year 11 onward; Single Premium: 4% year 1","note":null,"quote":"Premium Allocation Charge: This charge is calculated as a percentage of the Single Premium/Regular Premiums payable and shall be deducted from the Single Premium/Regular Premium received before the same are allocated to the Unit Account. The Premium Allocation Charge is as follows:\nFor Policies where the premium payment mode is Regular Premium:\nPOLICY YEAR | PREMIUM ALLOCATION CHARGE (as a % of the Regular Premium)\n1 | 4%\n2-5 | 3%\n6-10 (if applicable) | 3%\n11 onwards (if applicable) | 0%\nFor Policies where the premium payment mode is Single Premium:\nPOLICY YEAR | PREMIUM ALLOCATION CHARGE (as a % of the Single Premium)\n1 | 4%\n2-10 | N/A","sources":[{"clause":"6.1","heading":"Premium Allocation Charge","page":21,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2840#c-6-1-2"}],"law":[]},{"key":"policy_admin_charge","label":"Policy administration charge","section":"Charges","meaning":"Monthly charge deducted from your fund.","status":"quote-verified","value":"The Policy Administration Charge is deducted monthly by cancelling units. It is 0.05% per month of Single Premium compounding at 3% per annum from the second policy year, capped at Rs.200 per month; 0.31% per month for Regular Premium annual frequency compounding at 4% per annum from the second policy year, capped at Rs 500 per month; and 0.22% per month for Regular Premium non-annual frequencies compounding at 4% per annum from the second policy year, capped at Rs.500 per month.","display":"Monthly: Single Premium 0.05% p.m. cap Rs.200; Regular annual 0.31% p.m. cap Rs 500; Regular non-annual 0.22% p.m. cap Rs.500","note":null,"quote":"Policy Administration Charge: This charge is levied for administration of this Policy throughout the Policy Term and levied starting from the Effective Date/ Date of Commencement of Risk and on each Monthly Anniversary by cancelling an appropriate number of Units in the Unit Account at the prevailing NAV. The Policy Administration Charge is as follows:\nPremium Payment Mode/ Premium Frequency | POLICY ADMINISTRATION CHARGE (as a % of the Single Premium/Annualised Premium)\nSingle Premium | 0.05% per month compounding @ 3% per annum from the 2nd Policy Year with a cap of Rs.200 (Rupees Two Hundred) per month.\nRegular Premium with annual Premium Frequency | 0.31% per month compounding @ 4% per annum from the 2nd Policy Year with a cap of Rs 500 (Rupees Five Hundred) per month.\nRegular Premium with Premium Frequency other than annual | 0.22% per month compounding @ 4% per annum from the 2nd Policy Year with a cap of Rs.500 (Rupees Five Hundred) per month.","sources":[{"clause":"6.3","heading":"Policy Administration Charge","page":22,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2840#c-6-3-2"}],"law":[]},{"key":"fund_management_charge","label":"Fund management charge","section":"Charges","meaning":"Yearly charge on fund value; capped at 1.35% by IRDAI.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"mortality_charge","label":"Mortality charge","section":"Charges","meaning":"Cost of life cover, deducted monthly by age.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"discontinuance_charge","label":"Discontinuance charge","section":"Charges","meaning":"Charge if you stop paying in the first five years.","status":"quote-verified","value":"For Regular Premium policies, discontinuance or surrender charges in the first four policy years are the lower of the specified percentage of Annualised Premium, percentage of Fund Value, and fixed rupee cap, with nil from the 5th policy year onward. For Single Premium policies, charges similarly apply in the first four policy years with nil from the 5th policy year onward.","display":"Regular Premium: years 1-4 charges, 5th onward Nil; Single Premium: years 1-4 charges, 5th onward Nil","note":null,"quote":"Discontinuance/Surrender Charge: This charge shall be levied on the Discontinuance of the Policy in accordance with the following table:\nFor Policies where the premium payment mode is Regular Premium: ... 1st Policy Year | 20% | 20% | 3,000 | 6% | 6% | 6,000\n2nd Policy Year | 15% | 15% | 2,000 | 4% | 4% | 5,000\n3rd Policy Year | 10% | 10% | 1,500 | 3% | 3% | 4,000\n4th Policy Year | 5% | 5% | 1,000 | 2% | 2% | 2,000\n5th and onwards | Nil | Nil | Nil | Nil | Nil | Nil\nFor Policies where the premium payment mode is Single Premium: ... 1st Policy Year | 2.00% | 2.00% | 3,000 | 1.00% | 1.00% | 6,000\n2nd Policy Year | 1.50% | 1.50% | 2,000 | 0.70% | 0.70% | 5,000\n3rd Policy Year | 1.00% | 1.00% | 1,500 | 0.50% | 0.50% | 4,000\n4th Policy Year | 0.50% | 0.50% | 1,000 | 0.35% | 0.35% | 2,000\n5th and onwards | Nil | Nil | Nil | Nil | Nil | Nil","sources":[{"clause":"6.9","heading":"Discontinuance/Surrender Charge","page":24,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2840#c-6-9"}],"law":[]},{"key":"switches_withdrawals","label":"Switches and partial withdrawals","section":"Renewal and rights","meaning":"Free fund switches and withdrawals after lock-in.","status":"quote-verified","value":"Switches: units may be switched from one fund to another on written request, minimum Rs. 5,000, not more than 12 switches per policy year, and switch charge is nil. Partial withdrawals: written request, minimum Rs. 5,000, not before the 6th policy year, maximum 50% of Fund Value in a policy year subject to remaining Fund Value limits, not more than 2 per policy year, and partial withdrawal charge is nil.","display":"12 switches per policy year free; partial withdrawals from 6th policy year, up to 2 per policy year, free","note":"Partial withdrawals are also not allowed before a minor Life Insured attains age 18, and switches or partial withdrawals are not allowed during discontinuance.","quote":"You may Switch Units from one Fund to any other Fund by giving Us a written request. ... the amount to be Switched is at least Rs. 5,000 (Rupees Five Thousand); ... We will not permit more than 12 (Twelve) Switches in any Policy Year. ... Switch Charge: Nil ... You may make a Partial Withdrawal by giving Us a written request. ... the amount to be withdrawn is at least Rs. 5,000 (Rupees Five Thousand); ... the maximum amount of Partial Withdrawal in any Policy Year does not exceed 50% (Fifty percent) of the Fund Value as on the date of the Partial Withdrawal ... We will not permit any Partial Withdrawal before the commencement of the 6th (Sixth) Policy Year; ... We will not permit more than 2 (Two) Partial Withdrawals in any Policy Year; ... Partial Withdrawal Charge: Nil","sources":[{"clause":"4.2.1","heading":null,"page":12,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2840#c-4-2-1"},{"clause":"4.2.2","heading":null,"page":12,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2840#c-4-2-2-2"},{"clause":"4.2.3","heading":null,"page":12,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2840#c-4-2-3"},{"clause":"6.4","heading":"Switch Charge: Nil","page":23,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2840#c-6-4-2"},{"clause":"4.3.1","heading":null,"page":12,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2840#c-4-3-1"},{"clause":"4.3.2","heading":null,"page":12,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2840#c-4-3-2-2"},{"clause":"4.3.3","heading":null,"page":12,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2840#c-4-3-3"},{"clause":"4.3.4","heading":null,"page":12,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2840#c-4-3-4"},{"clause":"4.3.6","heading":null,"page":12,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2840#c-4-3-6"},{"clause":"6.5","heading":"Partial Withdrawal Charge: Nil","page":23,"url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2840#c-6-5"}],"law":[]}],"documents":[{"kind":"wording","label":"Axis Max Life Fast Track Super Plan - (UIN : 104L082V01)","pages":27,"fetched_at":"2026-10-17 19:38:48+00","source_url":"https://www.axismaxlife.com/static-page/assets/homepage/104L082V01_Fast%20Track%20Super_Policy%20Bond_VF.pdf","url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2577"},{"kind":"wording","label":"Policy Contract","pages":32,"fetched_at":"2026-10-17 19:43:51+00","source_url":"https://www.axismaxlife.com/static-page/assets/homepage/FTS_Policy_Document_e80ad4a8c2.pdf","url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2840"},{"kind":"wording","label":"Max Life Fast Track Super (IRDAI copy)","pages":28,"fetched_at":"2026-10-20 02:40:18+00","source_url":"https://irdai.gov.in/documents/37343/563751/fast-track-super-plan-policy-contract_2013-14.pdf/84328f96-d7de-0ec2-1be9-568ef44f17d8?version=1.1&t=1667989556091&download=true","url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/29122"},{"kind":"prospectus","label":"Policy Prospectus","pages":35,"fetched_at":"2026-10-17 19:34:34+00","source_url":"https://www.axismaxlife.com/static-page/assets/homepage/FTS_Prospctus_4820ffc4d3.pdf","url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2349"},{"kind":"cis","label":"Customer Information Sheet","pages":4,"fetched_at":"2026-10-17 19:34:56+00","source_url":"https://www.axismaxlife.com/static-page/assets/homepage/FTS_CIS_9003f6618d.pdf","url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2367"},{"kind":"brochure","label":"Policy Leaflet","pages":4,"fetched_at":"2026-10-17 19:34:49+00","source_url":"https://www.axismaxlife.com/static-page/assets/homepage/FTS_Leaflet_c47ca6d08c.pdf","url":"https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06/document/2362"}],"versions":[{"uin":"104L082V01","version":null,"approved_on":null},{"uin":"104L082V06","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Axis Max Life Insurance official website","url":"https://www.axismaxlife.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims centre","url":"https://www.axismaxlife.com/claims-centre","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.axismaxlife.com/customer-servicing/grievance-redressal","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Pay renewal premium","url":"https://www.axismaxlife.com/cs/pay-online","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Axis Max Life Fast Track Super Plan (UIN 104L082V06), IndiaInsurances, https://indiainsurances.com/policy/axis-max-life-insurance/axis-max-life-fast-track-super-plan-104l082v06"}