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Financial security is vital for individuals seeking long-term stability. Term insurance offers a reliable and affordable solution to safeguard your... Read more family’s future, providing reassurance and confidence in the face of life’s uncertainties. In the event of the policyholder’s untimely demise, these benefits ensure that the dependents receive a predetermined sum, helping them maintain financial stability and meet essential expenses and obligations.
Here are the top 10 benefits of Term Plans:
1. Financial Protection: Protects your family financially.
2. Income Replacement: Secures your family’s future with a considerable life cover.
3. Affordable Premiums: High life cover at affordable rates.
4. Debt Repayment: Covers outstanding loans or debts with a lumpsum life cover.
5. Flexible Payout Options: Option to get the benefits as lumpsum, income or both.
6. Whole Life Coverage: Multiple plans have an option to cover till 100 years of age1, thereby facilitating legacy planning.
7. Optional Riders2: Add extra coverage like critical illness, accidental cover, hospitalization, etc.
8. Terminal Illness Cover: Get advance partial lump sum benefit on diagnosis of terminal illness.
9. Maturity Benefits: Some plans offer a return of premium3 option.
10. Tax Benefits: Premiums paid and maturity benefit quality for tax benefits4. Read less
Financial security is vital for individuals seeking long-term stability. Term insurance... Read more offers a reliable and affordable solution to safeguard your family’s future, providing reassurance and confidence in the face of life’s uncertainties. In the event of the policyholder’s untimely demise, these benefits ensure that the dependents receive a predetermined sum, helping them maintain financial stability and meet essential expenses and obligations.
Here are the top 10 benefits of Term Plan:
1. Financial Protection: Protects your family financially.
2. Income Replacement: Secures your family’s future with a considerable life cover.
3. Affordable Premiums: High life cover at affordable rates.
4. Debt Repayment: Covers outstanding loans or debts with a lumpsum life cover.
5. Flexible Payout Options: Option to get the benefits as lumpsum, income or both.
6. Whole Life Coverage: Multiple plans have an option to cover till 100 years of age1, thereby facilitating legacy planning.
7. Optional Riders2: Add extra coverage like critical illness, accidental cover, hospitalization, etc.
8. Terminal Illness Cover: Get advance partial lump sum benefit on diagnosis of terminal illness.
9. Maturity Benefits: Some plans offer a return of premium3 option.
10. Tax Benefits: Premiums paid and maturity benefit quality for tax benefits4. Read less
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Get Life Cover of ₹1 Crore by paying a premium of
₹7,085/month (for 30 years)
₹8,287/month
Save ₹1,202 with discounts
Includes 10% digital + 8.5% salaried discount on 1st year premium
Excludes GST
Our sales representative will connect with you soon to assist further
Tata AIA Life Insurance Sampoorna Raksha Promise (A Non-Linked Non-Participating, Pure Risk, Individual Life Insurance Plan) • UIN: 110N160V7
Term insurance offers a wide range of benefits that make it a vital component of financial planning. Below are the term insurance benefits:
Below are the benefits of term insurance plan when purchased early in life:
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Term insurance is a cost-effective way to secure your family's financial future. Here’s how it offers protection and stability during uncertain times:
If you are the sole or primary earning member, your family depends on your income to manage daily living expenses. In the unfortunate event of your demise, a term insurance policy provides a lump sum benefit to your nominee. This amount serves as a substitute for your lost income, helping your family meet essential expenses such as rent, groceries, and education. It ensures that they maintain a reasonable standard of living, even in your absence. Term insurance can be suitable for individuals who want to secure their family's financial future against the risk of income loss.
Many individuals have financial obligations such as home loans, car loans, or personal loans. In case of your untimely death, your family may face difficulty repaying these liabilities. A term life insurance benefits may help mitigate this burden. The policy pay-out can be used to settle outstanding debts, preventing your family from resorting to asset liquidation or borrowing additional funds. This ensures financial stability and peace of mind for your loved ones.
Unforeseen life events can lead to financial instability for your family in your absence. In such a case, a term insurance plan benefits by offering long-term financial security. Here are some key reasons to consider buying one:
Your family receives the protection of a comprehensive life cover throughout the policy term. In your absence, the sum assured is paid as a death benefit, which secures their long-term financial requirements.
Term insurance plans are widely recognized for providing affordable premiums even with substantial coverage. By comparing multiple plans, you can efficiently select a suitable life cover to protect your family without straining your finances.
Whether it is the term length, premium payment modes, or rider options, term insurance plans offer considerable flexibility. This ensures that a basic term plan can effectively cater to the varied requirements of individual policyholders.
Your family may receive the death benefit as a lump sum, regular income, or a combination of both, based on their requirements. You can choose the payout mode considering their anticipated financial needs.
With numerous term plans accessible online, selecting the right policy for your requirements may require some effort. However, with the help of the following parameters, securing sufficient term insurance coverage becomes straightforward:
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Disclaimers
Tata AIA Sampoorna Raksha Promise - Non-Linked, Non-Participating, pure risk, Individual Life Insurance Product (UIN:110N176V07)
Tata AIA Maha Raksha Supreme Select - Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN: 110N171V11)
1Not applicable under PoS, please refer sales brochure for more information
2Rider is not mandatory and is 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/ branch.
3Under Life Promise 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, provided the life assured survives till maturity and the policy is not terminated earlier.
4Income 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.
5Illustrated premium of ₹501 is the monthly premium excluding taxes for a 20 yr. old female, Standard Life, Non-Smoker for ₹1 Cr. Sum Assured with Policy Term of 20 yrs. (Regular Pay) under Life Promise Option of Tata AIA Sampoorna Raksha Promise with first year premium discount of 10% for digital purchase and 8.5% for salaried person. Please refer Benefit Illustration for more details.
6Individual Death Claim Settlement Ratio is 99.41% for FY 2024-25
7Applicable to only non-early claims with more than 3 years of policy duration, non-investigation cases, up to Sum Assured of ₹50 Lakh. Applicable for branch walk in. Time limit to submit claim to Tata AIA Life Insurance is 2 pm on working days. Subject to submission of complete documents. Not applicable for ULIP policies and open title claims.
8This includes first year digital discount of 10% for Limited Pay/Regular Pay and 8.5% salaried discount. For Single Pay, 1% discount will be available for online purchase and salaried discount each.
9Illustrated Premium of ₹679 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 of Tata AIA Maha Raksha Supreme Select with first year premium discount for digital purchase and salaried person.
This product 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.
L&C/Advt/2025/Jul/2763