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September 3, 2026
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Protect More, Live Freely - Tata AIA Maha Raksha Supreme Select Offers Flexible Life Cover

November 19, 2025

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Mumbai, India – Tata AIA Life Insurance, a reputed name in India's life insurance industry, launches Maha Raksha Supreme Select, a total term insurance solution that responds to the changing demands of life. This groundbreaking solution combines strong life protection with flexible premium choices and wellness benefits, keeping families financially safeguarded through all stages of life. Key Maha Raksha Supreme Select Highlights • Coverage enhancement: Helps policyholders raise their sum assured at key life events such as marriage, childbirth, or home loan disbursal, ensuring that protection grows with financial responsibilities.

• Annual top-up feature: Offers the flexibility to increase coverage by 5% to 20% each year, allowing families to keep up with inflation and rising financial needs.

• Return of premium options: Under the Life Secure Plus and Joint Life Secure Plus plans, 100% of the total premiums paid are returned at maturity, providing the dual benefit of protection and value recovery.

• FlexiPay benefit: Allows policyholders to postpone premium payments for up to 12 months without the policy being cancelled, offering support during financial hardships.

• Instant claim payout: Provides an immediate payout of ₹3 lakhs within one working day of claim intimation (after three policy years), ensuring timely financial assistance when needed.

• Joint life coverage: Covers both spouses under a single policy, with the option for the surviving partner to continue the coverage through a one-time premium payment.

• Special discounts: Includes 15% lower premiums for women policyholders, along with additional benefits for salaried professionals and existing Tata AIA customers.

Benefits that adapt to your life journey Maha Raksha Supreme Select has been thoughtfully designed with flexibility at its core. The Life Stage option empowers policyholders to increase their coverage at critical life moments, whether it's getting married (50% increase), welcoming a first child (25% increase), a second child (25% increase), or securing a home loan (up to 100% based on loan amount). This ensures that protection remains aligned with growing responsibilities.

For those seeking to stay ahead of inflation, the Top-Up SA feature allows annual coverage increases ranging from 5% to 20% of the base sum assured. This systematic enhancement helps families maintain adequate protection as their financial obligations expand over time.

The plan offers significant maturity benefits for customers who value both protection and returns. Under Life Secure Plus and Joint Life Secure Plus variants, 100% of premiums paid (excluding modal loading and discounts) are returned at policy maturity. This combination of life cover and premium return makes it a dependable choice for individuals seeking comprehensive value from their life insurance investment.

The Payor Accelerator Benefit provides crucial support during medical crises. Upon diagnosis of a terminal illness, 50% of the effective sum assured is paid immediately, and all future premiums are waived. This ensures families receive timely financial assistance while relieving them of ongoing premium obligations during challenging times.

With the Joint Life option, couples can consolidate their protection under one policy. In the event of one partner's death, the surviving spouse has the option to continue coverage by converting to a single premium plan, deducted from the death benefit. This thoughtful feature ensures uninterrupted protection for families.

Reflecting Tata AIA's commitment to inclusivity, the plan offers 15% lower premiums for women consumers, along with discounts for salaried professionals and family members of existing customers. These benefits make quality life insurance more accessible across diverse customer segments.

Your coverage choices The Maha Raksha Supreme Select has four main options to fit different needs.

• Life Secure Option: Pays money to your nominee if you pass away; no payout if you live to the end.

• Life Secure Plus Option: Pays money to your nominee; returns 100% of premiums paid at the end.

• Joint Life Secure Option: Covers both partners; pays money if either partner passes away, with no payout at the end.

• Joint Life Secure Plus Option: Covers both partners; returns 100% of premiums paid at maturity.

You can make your coverage stronger by adding extra benefits, or riders. These can be added at the start or on your plan’s anniversary.

• Accidental Death Benefit Rider: Provides extra money if death is caused by an accident.

• Accidental Total and Permanent Disability Rider: Gives money if an accident causes a lasting disability.

• Waiver of Premium Rider: Stops future payments if you become disabled or seriously ill.

You can modify the plan to suit your needs with these riders. They give the people you care about an additional layer of financial security.

About Tata AIA Life Insurance Tata AIA Life Insurance Company Limited is a joint venture between Tata Sons Pvt. Ltd. and AIA Group Ltd., combining the trust of the Tata brand with AIA’s global expertise in insurance. The company provides a wide range of life insurance solutions, covering protection, savings, retirement, and health needs of individuals and families. With a strong claim settlement record, innovative digital platforms, and a customer-first approach, Tata AIA ensures convenience, reliability, and financial security. Today, it continues to be a trusted partner for millions of Indians in their long-term financial and protection journey.

Disclaimer: • Tata AIA Maha Raksha Supreme Select - Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN: 110N171V12) • 1Illustrated Premium is the monthly premium excluding taxes for 20 yr. old female, Standard Life, Non-Smoker for 2 Cr. Sum Assured with Policy Term of 20 yrs. (Regular Pay) with Life Secure plan option salaried person. Please refer Benefit Illustration for more details. Tata AIA Life shall have the right to claim, deduct, adjust, recover the amount of any applicable tax or imposition, levied by any statutory or administrative body, from the benefits payable under the Policy. Kindly refer the sales illustration for the exact premium.

• 2Tax benefits of up to ₹46,800 u/s 80C is calculated at highest tax slab rate of 31.20% (including cess excluding surcharge) on life insurance premium paid of ₹1,50,000 as per old tax regime. Tax benefits under the policy are subject to conditions laid under Section 80C, 80D,10(10D), 115BAC and other applicable provisions of the Income Tax Act,1961. Good and Service tax and Cess if any will be charged extra as per prevailing rates. The Tax Free income is subject to conditions specified under section 10(10D) and other applicable provisions of the Income Tax Act,1961. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on above.

• 3Tata AIA Maha Raksha Supreme Select offers Premium discount of 1% of single premium and 8.5% on first year premiums for regular and limited pay to the salaried customers & digital discount of 1% for Single Pay, 10% for Limited Pay/Regular Pay.

• 4Tata AIA Maha Raksha Supreme Select offers Premium discount of 1% of single premium and 8.5% on first year premiums for regular and limited pay to the salaried customers.

• 5With 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. 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 • 6With 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.

• 7The product offers first year discount of 2% for Limited Pay/Regular Pay and 1% for Single Pay under Nominee & family discount to existing TATA AIA customers • 8If Return of Balance Premium option is chosen with any of the benefit option/s, an amount equal to the Total Premiums Paid (excluding loading for modal premiums) towards the benefit option, less any claim amount already paid out under the respective benefit option, shall be payable at the end of the benefit option term, provided the benefit option is not terminated.

• 9Riders are not mandatory and are available for a nominal extra cost. For more details on benefits, premiums, and exclusions under the Rider, please contact Tata AIA Life's Insurance Advisor/Intermediary/ branch.

• 10Our Individual Death Claim Settlement Ratio is 99.41% for FY 2023 - 24 as per the latest annual audited figures • 11Tata AIA Vitality - A Wellness Program that offers you an upfront discount at policy inception. You can also earn premium discount / cover booster (as applicable) for subsequent years on policy anniversary basis your Vitality Status (tracked on Vitality app) Please refer rider brochures for additional details on health and wellness benefits.

• 12On enrolling into the Wellness Program, you get an upfront discount of 5% on 1st year premium for Accidental Death, Accidental Total & Permanent Disability, Accidental Disability Care Benefits and of 10% on 1st year premium for Term Booster, CritiCare Plus, Accelerated CritiCare, Multistage CritiCare, Cancer Care, Cardiac Care. The rewards are offered on cumulative basis and in any year, the maximum rewards in view of both the Up-front Rewards and Annual Rewards Flex together shall be 15% for Accidental Death, Accidental Total & Permanent Disability, Accidental Disability Care and 30% for all other rider benefit options. Discount is driven by accumulated points which is achieved through wellness status. Please refer policy document for more details.

• 13Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. Income Tax laws are subject to change from time to time. Tata AIA Life Insurance Company Ltd. does not assume responsibility on tax implication mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefits available to you.

• Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider (UIN:110B033V04 or any other later version) - A Non-Linked, Non- Participating Individual Health Rider, Tata AIA Vitality Protect (A Non-Linked, Non- Participating Individual Health rider (UIN:110B046V04 any other later version), Tata AIA Vitality Health (A Non-Linked, Non- Participating Individual Health rider (UIN:110B045V03 any other later version) are available under this plan.

• Vitality is a trademark licensed to Tata AIA Life by Amplify Health Assets PTE. Limited, a joint venture between Vitality Group International, INC. and AIA Company Limited. The assessment under the wellness program shall not be considered as a medical advice or a substitute to a consultation/treatment by a professional medical practitioner.

• Insurance cover is available under this product.

• This product is underwritten by Tata AIA Life Insurance Company Limited. This plan is not a guaranteed issuance plan, and it will be subject to Company’s underwriting and acceptance.

• 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 all the Premiums Paid.

• In case of sub-standard lives, extra premiums will be charged as per our underwriting guidelines.

• For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale.

• All Premiums, Charges, and interest payable under the policy are exclusive of applicable taxes, duties, surcharge, cesses, or levies which will be entirely borne/ paid by the Policyholder, in addition to the payment of such Premium, charges or interest. Tata AIA Life shall have the right to claim, deduct, adjust, and recover the amount of any applicable tax or imposition, levied by any statutory or administrative body, from the benefits payable under the Policy.

• L&C/Advt/2025/June/Aug/3110 • No Goods and Service Tax shall be applicable on Individual life insurance products as per prevailing laws. Tax laws are subject to amendments from time to time. If any imposition (tax or otherwise) is levied by any statutory or administrative body under the Policy, Tata AIA Life Insurance Company Limited reserves the right to claim the same from the Policyholder.

(Disclaimer: The above press release comes to you under an arrangement with NRDPL and PTI takes no editorial responsibility for the same.). PTI PWR

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