MMA Life Insurance is a Hassle-Free & Reliable Insurance Plan,which offers good returns. The Major Advantage of this product is that, 1. It suits well to the Employee Class of Society as because it is a Pocket-Friendly Sevice. 2. It is Clubbed with a Medical Insurance which takes care of Partial Disability. 3. It is Hassle-Free. The Major Drawback of this Plan is that, 1. It is not linked with the Equity market and hence the rate of Return is Comparatively Low. SUGGESTIONS: 1. Proper Exposure to the Equity Market 2. Allowing Switching Option to the Investors between High-Risk,Medium-Risk & Low-Risk Bonds.