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Term Life Insurance · head to head

Zindagi Protect Plus vs Maha Raksha Supreme Select

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Quick verdict

  • Maha Raksha Supreme Select is better for low minimum cover.

Computed from stored specifications, the published term life insurance scoring rules and recorded prices. Not an opinion.

Specifications side by side

Spec
Zindagi Protect Plus
Maha Raksha Supreme Select
Eligibility
Minimum entry age
18 years
18 years
Maximum entry age
65 years
65 years
Maximum maturity age
100 years
100 years
Policy term
Minimum 5 (Regular Pay, Life Cover) / 10 (Regular Pay, ROP) to maximum 100 years - age at entry of Life Insured
Other than PoS (months): Life Secure minimum 13 (Regular pay) / 14 (Limited pay) / 1 (Single pay); Life Secure Plus minimum 120; maximum 984 months
Minimum sum assured
₹50,00,000
₹25,00,000
Maximum sum assured
No Limit, Subject to board approved underwriting policy
No Limit subject to Board approved underwriting policy (BAUP)
Plan
Plan options
Life Cover option, Return of Premium option
Life Secure, Life Secure Plus, Joint Life Secure, Joint Life Secure Plus
Premium payment
Regular Pay (same as policy term); Limited Pay 5/7/10/15/20; Limited Pay 'To Age 60' (60 - entry age); Yearly / Half-yearly / Quarterly / Monthly
Regular Pay (equal to policy term), Limited Pay (maximum PPT = policy term less 1 month), Single Pay; Single/Yearly/Half-Yearly/Quarterly/Monthly modes
Return of premium option
Yes
Yes
Death benefit payout
Lumpsum; Monthly Income; Lumpsum plus Monthly Income
Lump sum and/or instalments (staggered benefit) as per Payout Plan chosen
Riders
Edelweiss Life - Accidental Death Benefit Rider (UIN: 147B002V05), Edelweiss Life - Accidental Total and Permanent Disability Rider (UIN: 147B001V05), Edelweiss Life - Critical Illness Rider (UIN: 147B005V05), Edelweiss Life - Waiver of Premium Rider (UIN: 147B003V06)
Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider (UIN 110B033V04), Tata AIA Life Insurance Non-Linked Comprehensive Health Rider (UIN 110B031V04), Tata AIA Vitality Protect (UIN 110B046V04), Tata AIA Vitality Health (UIN 110B045V03)
Terminal illness benefit
—
Yes
Waiver of premium
Via Edelweiss Life - Waiver of Premium Rider: waives future premiums on Critical Illness or Total and Permanent Disability due to accident
Inbuilt waiver of premium on terminal illness
Premium
Sample annual premium
—
₹1,17,336
Sample premium is for
—
Brochure Payor Accelerator illustration: 40-year-old healthy non-smoker male, Sum Assured Rs 2 Cr, policy term 45 years, premium payment term 10 years: 'Pay Rs 1,17,336' a year (total for 6 years Rs 7,04,016, excl. GST). NOTE: very different profile (age 40, Rs 2 Cr, 10-pay); no other figure in the brochure.
Insurer
Death claims settled (insurer)
99.29%
99.41%
Claims figures for
FY 2024-25: individual death claims paid out of claims decided and pending, by number, computed from IRDAI Handbook on Indian Insurance Statistics (Table 15)
FY 2024-25: individual death claims paid out of claims decided and pending, by number, computed from IRDAI Handbook on Indian Insurance Statistics (Table 15)
IRDAI UIN
147N080V01
110N171V16

A tick marks the better value where the category rules say higher (or lower) is better. Text values are shown without a winner. Ties have no winner.

Pros and cons

Zindagi Protect Plus

  • Pro: Cover can run to age 100, later than 81% of the 27 term life insurance plans on Comparezi that state it
  • Pro: Return-of-premium option available

Maha Raksha Supreme Select

  • Pro: Cover can run to age 100, later than 81% of the 27 term life insurance plans on Comparezi that state it
  • Pro: Return-of-premium option available
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