Tata AIA Life Maha Raksha Supreme Select

Product Overview

Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product

Tata AIA Maha Raksha Supreme Select is a comprehensive term life insurance plan that offers you flexible plan options to secure your family’s financial future. Experience our Rakshakaran ki Reet by protecting your family, from uncertainties of life.

Key Features

High Life Cover for Strong Protection

Choose a high Sum Assured to ensure your family’s lifestyle, children’s education, and long-term goals remain protected.
Option to increase life cover in future at important life stages.

Flexible Protection Options

Select a plan option that best matches your need – Life Secure (Non-return of premium) & Life Secure Plus (100% Return of premium on survival till maturity)**
Choose coverage duration aligned to your responsibilities (e.g., till retirement / long-term).

Convenient Premium Payment Choices

Pay premiums as per your preference (e.g.limited/regular options—basis product availability). Flexibility to defer premium payment term.

Hassle-Free Journey

Simple documentation and a smooth issuance process (subject to underwriting and product guidelines).

Special discount for salaried customers on first year premium`

Available only for Salaried customers
8.50% discount on First Year Premium for Regular/Limited Pay

Salaried discount will be given in addition to all other discounts

Benefit for Women customer

15% Lower Premium for women lives every year
Lower premium applicable every year throughout the Premium Payment Term.

Eligibility

Entry age is 18- 65 years, allowing you to secure your financial future.

Other benefits

Life Secure & Life Secure Plus plan options are affordable at Sum Assured ₹2 Cr & above.
- Life Secure option offers favourable premiums compared to peers.
- Availability of 12‑pay option is limited across competitors.
Defer premiums by up to 12 months with Flexipay Benefit*
- Life cover remains intact during this period.
- Any claim paid during this period will be paid post deduction of the unpaid premium.
- No interest will be levied on the deferred premium & must be paid with the next premium.
- This feature can’t be exercised in the last year of the premium payment term.
- Intimation to opt for this feature should be given 60 days prior to premium due date.
- This feature can be available every 5 years.
- 1^st instance will be 6^th policy year (after payment of first 5 full years premiums).
- It is not applicable for 5 premium payment term.
- Can be opted multiple times during premium payment term.
- Gap between 2 exercises must be 5 years.
Instant claim payout of ₹3 Lacs on death of Life Assured~
- Instant death benefit of ₹ 3 Lacs from the Sum Assured will be paid upon claim registration and submission of basic documents
- Applicable only for ₹ SA 1 Crore & above and for deaths after 3 policy years
- Final claim settlement will be made after deduction of ₹ 3 Lacs claim amount already paid
- This is a default/Inbuilt feature – No additional premium will be charged
Protection through Inbuilt Terminal Illness coverage with Waiver of Premium#
- Both options of MRSS have an inbuilt “Payor Accelerator Benefit” wherein the benefit amount equal to 50% of the Base Sum Assured is paid out as lump sum on diagnosis of Terminal Illness.
- Upon payment of the Terminal Illness claim, all the future premiums (base benefit and cover enhancement options, if opted) shall be waived off, and the policy will continue to remain in force for the remaining applicable benefit(s).
- This is an accelerated benefit - On payment of this benefit, the death benefit under the Policy is automatically reduced by the amount paid under this benefit
- If the life assured survives till maturity after Terminal Illness benefit is paid, then
  - Under Life Secure Option- No additional benefit is payable, and the policy terminates.
  - Under Life Secure Plus option - Premiums paid by the customer will be paid back.

Why Choose TATA AIA MRSS Plan?

Strong financial security for your family with high protection cover.
Flexibility to structure the plan as per your life stage and financial commitments.
Helps protect against major financial liabilities (e.g., loans) and ensures long-term stability.
Backed by Tata AIA’s trusted protection expertise.

All product features, terms, conditions, and exclusions are detailed in the product brochure. We encourage you to refer to the same for a comprehensive understanding.

Terms & Conditions Apply. Tax benefits are subject to prevailing tax laws and may change.

We are committed to helping you secure a financially stable and worry-free future.

T and C Apply

Disclaimer

For more details on risk factors, terms and conditions please visit us at: www.tataaia.com
This product Tata AIA Maha Raksha Supreme Select - Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN: 110N171V15) is underwritten by Tata AIA Life Insurance Company Ltd. The plan is not a guaranteed issuance plan and it will be subject to company’s underwriting and acceptance. Insurance cover is available under this product. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. The precise terms and condition of this plan are specified in the Policy Contract. Buying a Life Insurance Policy is a long-term commitment. An early termination of the Policy usually involves high costs and the Surrender Value payable may be less than the all the Premiums Paid. In case of non-standard lives and on submission of non-standard age proof, extra premiums will be charged as per our underwriting guidelines.
`As per the duly approved product design and terms & conditions of the product, this product offers first year premium discount of 8.5% for Limited Pay/Regular Pay and 1% for Single Pay to salaried customers.
**This plan offers pure risk cover under Life Promise Option and return of premium benefit under Life Promise Plus Option. Additional options are also available in this plan. Please refer sales brochure for complete details. Return of Premium / Maturity Benefit - Under Life Secure Plus Option, an amount equal to the 100% of the Total Premiums Paid (excluding loading for modal premiums) shall be payable at the end of the Policy Term as Maturity Benefit, provided the life assured survives till maturity and the policy is not terminated earlier.
*With this feature, policyholder is allowed to defer the due premium for a period of 12 months while maintaining the full risk cover under the base plan and attached riders. At the end of Premium Deferment period, the policyholder is required to pay the due premiums, including the premium applicable for the period of Premium Deferment, i.e., the base cover premium and additional premium (if any). | FlexiPay Benefit shall be available for multiple times with a gap of 5 policy years from the expiry date of previous Premium Deferment. The option can be exercised only after payment of 5 full years premium. | No interest shall be levied on the premium due during the Premium Deferment period. If the premiums due are not paid within the grace period after expiry of the FlexiPay Benefit, the Policy (including Rider(s), if any) shall lapse and no benefits shall be payable in the Policy or the Rider(s), if any) and company shall be entitled to recover the same from any amounts or benefits payable under the Policy or Rider(s). | Please refer the sales brochure and policy document for more details.
~With this feature, instant death benefit of INR 3 Lacs from the Sum Assured will be paid within 1 working day from the claim registration date. This feature is applicable only after a waiting period of 3 policy years from the policy inception or revival of the policy and provided the policy is in force. The remaining SA shall be payable post the completion of the claim investigation. Further, in case of any discrepancy in the claim investigation resulting in the final decision of non-payment of the claim, the company reserves the right to recover the already paid amount. Minimum Sum Assured is Rs.1 Cr. The acceleration of instant claim should not be construed/interpreted as acceptance of the claim. | On assessment of documents submitted during claim assessment, additional documents may be sought by the company. | Please refer the sales brochure and policy document for more details
#This product has inbuilt payor accelerator benefit that provides 50% of base sum assured on diagnosis of terminal illness and all future premiums are waived. For more details, please refer the brochure

IndusInd Bank Ltd. (“IBL”) (IRDAI Registration No. CA0001) is the Corporate Agent of Tata AIA Life Insurance Company Limited www.tataaia.com. IBL does not underwrite the risk or act as an insurer. Participation by IBL's clients in insurance products is purely voluntary and is not linked to the availing of any Banking Products/Services. The insurance Contract is between the Insurer and the Insured, and not between IBL and the Insured.

Registered Address: IndusInd Bank Limited, 2401, Gen Thimmayya Road (Cantonment), Pune – 411001.

Tata AIA Life Insurance Company Limited (IRDAI Regn. No.110) CIN: U66010MH2000PLC128403. Registered & Corporate Office: 14th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg, Lower Parel, Mumbai - 400013. Trade logo displayed above belongs to Tata Sons Ltd and AIA Group Ltd. and is used by Tata AIA Life Insurance Company Ltd under a license. For any information including cancellation, claims and complaints, please contact our Insurance Advisor / Intermediary or visit Tata AIA Life’s nearest branch office or call 1-860-266-9966 (local charges apply) or write to us at customercare@tataaia.com. Visit us at: www.tataaia.com.

L&C/Advt/2026/May/3055

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