Secure Your Retirement Now

Risk factors and warning statements:

i. Unit linked insurance products/annuity products with variable payout options are different from traditional insurance products and are subject to the risk factors.

ii. The premium paid in unit linked insurance policies or the annuity offered under the annuity policies with variable annuity pay-out option are subject to investment risks associated with capital markets and publicly available index. The annuity amount/ NAVs of the units may go up or down based on the performance of the fund and factors influencing the capital market/ publicly available index and the insured is responsible for his/her decisions.

iii. The returns shown above are based on the past performance of Axis Max Life High Growth Fund. These are past returns and are not indicative of return on Axis Max Life Smart Innovation Pension Fund. AMLI Smart Innovation Pension Fund (SFIN: ULIF04705/06/26PENSMINNOV104). The fund value calculation is done by projecting the past 10 year returns of Axis Max Life High Growth Fund in Axis Max Life’s Forever Young Pension Plan (UIN: 104L075V10) for a 30 year old male investing 10K per month for 20 years and a vesting period of 20 years. The above values have been calculated assuming 20% p.a. gross investment returns, which is the past 10-years returns of Axis Max Life High Growth Fund as on 4th Jun’26.

iv. Please go through the associated risks and the applicable charges, from the product's prospectus or from your policy document issued by the insurance company.

v. The respective insurer's name is only the name of the Life Insurance Company and the respective plan name is only the name of the unit linked insurance contract and does not in any way indicate the quality of the contract, its future prospects, or returns.

vi. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns.

Declaration:

i. By proceeding, you allow PhonePe Insurance Broking Services and the insurance provider to call you and provide assistance for the service you are trying to avail, irrespective of your DNC registration (if any).

ii. You will receive a call from PhonePe or the respective insurance provider to guide you through the purchase. After this step, you will be redirected to the insurer's website to complete the application.

Disclaimers:

*Vesting options: i) To utilize the entire vesting benefit to purchase immediate annuity or deferred annuity from the Company at the then prevailing annuity rate or to commute up to 60% and utilize the balance amount to purchase immediate annuity or deferred annuity from the Company at the then prevailing annuity rate. ii) To purchase immediate annuity or deferred annuity from another insurer at the then prevailing annuity rate to the extent of percentage, as stipulated by the Authority, currently 50%, of the entire proceeds of the policy net of commutation.

*Assuming a 30-year-old invests 10k/monthly in Smart Pension Secure for 20 years in a fund delivering 20% annualized returns, the projected maturity corpus would be ₹1.88 Cr. If this amount is then invested into an immediate lifetime annuity at an assumed annuity rate of 6.5%, the estimated monthly payout would be ₹1.02 Lakhs. Actual returns and annuity rates may vary. Past performance is not indicative of future results

*The insurer wise maturity amount is calculated assuming a 30 year old male investing 10k monthly for 20 years such that the lump sum is withdrawn at the end of the 20th year.

**Exemption on long term capital gain tax is as per section 10 (10D) of the Income Tax Act. Tax benefits are subject to change in the tax laws.