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Find the perfect coverage to secure your family’s financial future with our Term Insurance Calculator. Get a free quote and take a step towards protecting your loved ones.
Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN:110N176V04)
Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN: 110N171V07)
Use our Savings plans calculator to fulfill your life goals and accomplish your dreams.
Non-Linked, Non-Participating, Individual Life Insurance Savings Plan (UIN: 110N158V13)
Individual, Non-Linked, Non-participating, Life Insurance Savings Plan (UIN: 110N163V10)
Empower your wealth creation journey: With customizable plan options and trust of Tata AIA, you can build a portfolio tailored to your unique needs and goals. Invest in your future today!
In this policy, the investment risk in investment portfolio is borne by the policyholder.
Non-Participating, Unit Linked Individual Life Insurance Savings Plan (UIN: 110L112V07)
Retire in Style: Our retirement and pension calculator will help you plan your golden years with confidence. Explore our different plan options to maximize your income in retirement.
Non-Linked, Non-Participating, Annuity Plan
(UIN:110N161V10)
Non-Participating, Unit Linked, Individual Life Insurance Pension Plan (UIN: 110L182V01)
A Non-Linked, Non- Participating Individual Health rider (UIN: 110B045V03)
A Non-Linked, Non- Participating Individual Health rider (UIN:110B046V04)
A Non-Linked, Non- Participating Individual Health Rider (UIN:110B033V04)
A Non-Linked, Non- Participating Individual Health Rider (UIN:110B033V04)
A Non-Linked, Non- Participating Individual Health rider (UIN: 110B045V03)
A Non-Linked, Non- Participating Individual Health rider (UIN:110B046V04)
A Non-Linked, Non- Participating Individual Health Rider (UIN:110B033V04)
A Non-Linked, Non- Participating Individual Health Rider (UIN:110B033V04)
A Non-Linked, Non- Participating Individual Health Rider (UIN:110B033V04)
A Non-Linked, Non- Participating Individual Health Rider (UIN:110B033V04)
A Non-Linked, Non- Participating Individual Health rider (UIN: 110B045V03)
A Non-Linked, Non- Participating Individual Health rider (UIN:110B046V04)
A Non-Linked, Non- Participating Individual Health Rider (UIN:110B033V04)
A Non-Linked, Non- Participating Individual Health Rider (UIN:110B033V04)
A Non-Linked, Non- Participating Individual Health Rider (UIN:110B033V04)
A Non-Linked, Non- Participating Individual Health Rider (UIN:110B033V04)
A Non-Linked, Non- Participating Individual Health Rider (UIN:110B033V04)
A Non-Linked, Non- Participating Individual Health Rider (UIN:110B033V04)
A Non-Linked, Non- Participating Individual Health rider (UIN: 110B045V03)
A Non-Linked, Non- Participating Individual Health rider (UIN:110B046V04)
Buying a life insurance policy becomes simple when you are able to understand the premiums you need to pay to keep the coverage active. The policy premium is an important component of life insurance since it not only upholds the coverage but also helps you plan your other finances. You can use an online life insurance calculator to make the premium calculation simple and hassle-free. Being an easy and accessible tool, you can make an independent and well-informed decision when buying life insurance.
Life insurance, in simple terms, is an agreement or contract between a life insurance company and you, a policyholder. When you buy a policy from your insurer, you will need to pay a certain amount of premiums to keep the policy active. Depending on the type of policy you have purchased, either your family will receive a death benefit in the event of your demise, or you can claim the savings or returns on maturity.
For example, a pure term plan will only pay the death benefit to your beneficiaries in case of your death during the policy term. Otherwise, the policy will terminate at the end of the tenure, and no benefit can be paid out. Likewise, in a savings plan or a Unit-Linked Insurance Plan, the death benefit will be paid out as per the above condition. But if you survive the term, you can claim the maturity benefit as determined under the policy.
Life insurance calculators are online tools designed to help you calculate your life insurance premiums. These tools function on an inbuilt formula where the information and details you provide on the calculator will be processed in a matter of minutes to give you a suitable result.
Life insurance premium calculators consider several factors, such as your age, gender, lifestyle habits and more, to give you a premium quote that you can pay on your policy. This is similar to the calculation used by Tata AIA and other life insurance providers who determine your policy premiums based on a combination of the above factors and more. However, life insurance calculators are easy to use, and you need not make any effort to calculate your premiums manually. The premium quote can be beneficial when looking for a life insurance plan. Based on the quote, you can do a cost-benefit analysis of whether the policy of your choice can be purchased with a certain premium amount.
The life insurance premium calculator is a free-of-cost and readily available tool online. The calculator follows a predefined and inbuilt algorithm or formula, based on which you get to know the premium amount.
This is a brief outline of the working of a life insurance calculator online:
Accessing the life insurance calculator online on Tata AIA’s official website can also get policy suggestions with premium quotes. You may compare these quotes based on their affordability or as per the coverage and then decide on a single policy that meets your requirements. But do remember that the premium amount shown on the calculator cannot be the exact amount you pay. The final amount will include GST and other taxes.
The life insurance premium calculator offers multiple benefits and allows you to save time when calculating premiums. With the calculator, you can evaluate your needs and get help when choosing your life insurance plan online.
Here are some of the important benefits of using a life insurance calculator:
Calculating life insurance premiums involves considering factors such as your age, gender, lifestyle habits, medical condition and so on. The calculator considers all these factors to show you the policy premiums, so you need not manually calculate how these factors affect your premium.
Since the premium calculator is a free online tool, you need not spend any money calculating the premiums. You can access it online on the official Tata AIA Life Insurance website.
Once you have calculated your premium for different policies, it becomes easier for you to choose the most suitable and affordable policy for your needs. By simplifying the premium calculation, the calculator speeds up the policy selection and purchase while letting you make an informed decision.
By calculating the premiums, you can also determine if they are affordable and per your financial capacity. In doing so, you can plan your other expenses and keep your life insurance policy active. Hence, a life insurance premium calculator can also help you with financial planning.
Using a life insurance premium calculator also means you are better acquainted with all the factors that can affect your premiums. For instance, if you are young and mention your age accordingly, you can benefit from lower premiums since the health risk in your life is lower than that of an older person.
Tata AIA Life Insurance offers many different online life insurance calculators for policyholders to calculate their premiums conveniently. Depending on the type of life insurance plan you need, this is how you can use our life insurance premium calculator:
If you are looking for a life insurance savings plan, you can follow the same steps to understand how much you would like to save under your savings plan. The calculator will show you the total amount you can save over the chosen policy term and the premiums you must pay accordingly.
The Tata AIA Life Insurance calculator also enables you to avail of different premium quotes based on the type of policy you choose. Our calculators are free-of-cost and are easily accessible from anywhere and at any time!
Our experts are happy to help you
Our experts are happy to help you!
Life insurance calculators are useful for deciding an estimated premium amount you need to pay for your life insurance plan. The calculators for different policies will vary to a certain extent; however, they can help you understand the premium amount you need to invest for your policy.These are some reasons why life insurance is a must:
You should know about these life insurance calculators by Tata AIA
The term plan calculator is the simplest life insurance premium calculator you can use since you only need a premium quote for the life cover. After you receive the quotes online, you can check different policies to see which one meets your needs and also fits your budget as per the premium quote.
The ULIP calculator can not only help you understand how much ULIP premium you need to pay but also lets you check the expected returns on your investment. With the expected returns, you can select which ULIP, and its funds will give you these returns over your policy term and investment tenure.
The savings plan calculator helps you understand how much premium you need to pay each month for a policy to reach your desired savings goals. You can decide the savings tenure and the funds you want to save by the end of the policy period.
This calculator assists you in determining the funds you need during your retirement years. You can also select a Tata AIA Life Insurance annuity plan based on the premium quotes given by the calculator. The pension calculator can consider all of your needs as per your information to offer a close estimate.
Apart from the life insurance calculators mentioned above, Tata AIA Life Insurance also offers many lives planning tools in the form of an easy-to-use calculator. Some of them are:
The child expense calculator is a valuable tool to plan and save for your child’s future. By providing information such as your current savings, your expected savings, and your investment tenure, you can calculate how much you need to save each month or year to build a financial corpus for your child’s future.
The BMI is one of the many factors that may impact your life insurance premiums. The BMI calculator can help you know your BMI in a few easy steps. Based on this information, you can monitor your health and take appropriate steps to become healthier.
If you have taken a loan, the EMI calculator can help you plan your EMIs so that your financial planning stays on track. The results on the calculator can also help you determine whether you can afford to take a loan and how soon you can settle all the EMIs over the repayment tenure.
If you have started investing at a later stage in life but still want optimal returns on your investment, this calculator can assist you. The tool estimates how much more you need to save or invest during your current investment period to get the desired returns.
The life insurance premium rate determines how much you need to pay to keep your life insurance policy active. You may choose from different premium payment modes such as Single Pay, Regular Pay and Limited Pay as per your preference.
Your life insurance provider considers four factors when determining the life insurance premium rate, you need to pay for your policy:
Insurers profit from their internal investments during any given financial year. When paying out claims to nominees or policyholders, the insurer aims to settle the claim successfully. Therefore, their investment profits help them fix a particular premium rate so that they can pay out the claims as needed.
Every age group has a different mortality rate. For instance, the mortality rate in the age group of 20-30 years could be lower than in the age group of 50-60 years. Determining this mortality rate is important for your insurer as it helps them fix a premium rate as per the age group of the policyholder.
Your health condition and medical history can directly impact your premiums, depending on the amount of risk in your life. While age is certainly a factor that can indicate one’s physical well-being, pre-existing illnesses and past ailments also matter. Hence, your lifestyle habits like smoking will also be considered.
A higher sum assured of a policy will attract higher premiums since the claim payout will also be greater when needed. Therefore, your life insurance provider will consider the sum assured or coverage amount of your life insurance plan when deciding on the premium rate you should pay for the policy.
1.How much life insurance do I need?
The life insurance coverage you and your family need will depend on your financial needs. Since life insurance is meant to provide financial security to your family in the event of your demise, you should determine the expenses they may have to incur in your absence. This can include their daily needs, education fees, various bills, medical emergencies, and other major milestones.
2.Is life insurance worth the investment?
Life insurance can be worth an investment if you know how to choose the policy as per your needs. It is always useful since it is an important financial planning tool, and it secures your family against uncertainties. You can select a plan from different types of life insurance policies as per your needs. For example, if you need a combination of market-linked investments and a life cover, a Unit-Linked Insurance Plan provides both under a single policy.
3.How to determine the life insurance premium?
.The life insurance premium on a policy is determined on the basis of your age, health condition, gender, and many other factors. However, you need not manually calculate all of these factors to know your premium; instead, you can simply use the Tata AIA Life Insurance premium calculator to get your policy premiums.
4.How long should life insurance policies last?
The life insurance policy term should last as long as you require life insurance coverage for your family. You can choose from the different policy terms offered under various life insurance plans. For instance, you can obtain a life cover for 10 - 40 years or even opt for a whole life cover of up to 100 years of age.
5.Why should you use a life insurance calculator?
Life insurance calculators are free and easily accessible online tools. You can use them multiple times to check your life insurance premiums and compare the premium quotes of different policies. This online process is quicker and more cost-effective than the manual and offline calculation of premiums.
6.What are the benefits of purchasing a life insurance policy?
Life insurance offers different benefits depending on your choice of policy. A term plan can offer extensive life insurance coverage for your family that will help them financially in your absence. Likewise, a retirement or annuity plan can help you plan and save your retirement funds along with the protection of a life cover for your dependents in case of an eventuality.
7.How to determine the most affordable premium and payout methods?
To get an affordable premium for your policy, it is advisable to plan your policy purchase early in life. However, if you buy a policy later in life, you can plan the insurance coverage carefully to keep the premiums reasonable. Lastly, optional life insurance riders carry an extra premium cost per rider. By wisely adding only the needed riders to your plan, you can keep your premiums affordable.
8.How to determine the life insurance cost?
The life insurance cost comprises the sum assured or the coverage and the premium payments. To pay the premiums as per your financial capacity, it is necessary to carefully plan all your and your family’s needs. The life insurance cost should be reasonable and adequate to serve all your financial commitments but also should not put a strain financially through expensive premiums.
9.How can smoking affect my life insurance premium?
Your smoking habits play an important role in impacting your life insurance premiums. This is because smoking directly affects your health and over a period, this can become the cause of a critical or serious illness. Since the risk on a smoker’s life is greater than that on a non-smoker’s life, the premiums for a smoker will more expensive.
10.How do life insurance companies calculate premiums?
Life insurance companies consider a number of factors related to your age, health, gender, occupation, policy coverage, and lifestyle habits in great detail when calculating your premiums. With this information and their fixed premium rates and essential taxes, they can finalize a premium amount that you have to pay.
11.What are the factors to be considered while calculating life insurance premiums?
The factors considered while calculating life insurance premiums are –
●Your age ●Your Gender ●Smoking Habits ●Occupation/Profession ●Medical Condition ●Medical History
12.How to compare life insurance quotes?
When you use a life insurance calculator, you receive a premium quote based on the information you provide on the calculator. As you change or alter the information, the premium estimate will also be altered. By doing so, you can check different premium quotes and also find policies that match your budget. However, note that the information you provide should be accurate so that you can get genuine results.
The linked insurance product do not offer any liquidity during the first five years of the contract. The policy holder will not be able to surrender/withdraw the monies invested in linked insurance products completely or partially till the end of the fifth year.
Tata AIA Sampoorna Raksha Promise - Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN:110N176V04)
Tata AIA Maha Raksha Supreme Select - Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN: 110N171V07)
The complete name of Tata AIA Fortune Guarantee Plus is Tata AIA Life Insurance Fortune Guarantee Plus - Non-Linked, Non-Participating, Individual Life Insurance Savings Plan (UIN: 110N158V13)
Tata AIA Fortune Guarantee Supreme - Individual, Non-Linked, Non-participating, Life Insurance Savings Plan (UIN110N163V12)
The complete name of Tata AIA Fortune Pro is Tata AIA Life Insurance Fortune Pro – Non-Participating, Unit Linked Individual Life Insurance Savings Plan (UIN:110L112V07)
Param Raksha Life Pro is designed for combination of benefits of following individual and separate products named (1) Tata AIA Smart Sampoorna Raksha Supreme Unit Linked, Non-Participating Individual Life Insurance Plan (UIN: 110L179V01) and (2) Tata AIA Vitality Protect Advance A Non-Linked, Non- Participating Individual Health Product (UIN: 110N178V01).
The complete name of Tata AIA Fortune Guarantee Pension Plan is Tata AIA Life Insurance Fortune Guarantee Pension - A Non-Linked Non-Participating Individual Life Insurance Plan (UIN:110N161V10)
The complete name of Tata AIA Smart Pension Secure - Non-Participating, Unit Linked, Individual Life Insurance Pension Plan (UIN: 110L182V01).
1This feature is not applicable for POS. Please refer the brochure for additional details.
2This includes first year digital discount of 10% for Limited Pay/Regular Pay and 5% salaried discount. For Single Pay, 1% discount will be available for online purchase and salaried discount each.
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
4With 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
5“Guaranteed Annual Income” shall be a fixed percentage of the Annualised Premium / Single Premium (excluding discount) payable in a year. Guaranteed Annual Income as per the chosen Income Frequency shall commence after maturity till the end of the Income Period, irrespective of survival of the life insured(s) during the Income Period.
6Income 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 implications mentioned anywhere on this site. Please consult your own tax consultant to know the tax benefits available to you.
7Return of Premium shall be the return of Total Premiums Paid (excluding loading for modal premiums, discount, any extra premium, rider premium and taxes) by the policyholder and shall be payable at the end of the Income Period irrespective of survival of the life insured(s) during the Income Period.
8Guaranteed returns in this plan depends on Age at Entry of life assured, Premium payment term, policy term, premium amount and plan option chosen.
9Tax 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.
10All funds open for new business which have completed 5 years since inception are rated 4 star or 5 star by Morningstar as of December 2024.
11The word Guaranteed and Guarantee means the annuity payout is fixed at inception of the policy and will be payable for whole of life or till death of the Annuitant(s).
12Guaranteed Additions accrue at the end of each completed policy year, subject to all due premiums being paid and form a part of the Death Benefit offered under the option.
15Loyalty Additions will be credited only if Policy is in-force and all due premiums have been paid. For Regular Pay & Limited Pay, additional units @ 0.20% of units in each of the funds under Regular Premium Account will be credited (post deduction of applicable charges) to the respective funds every Policy Anniversary starting from eleventh (11th) Policy Anniversary till end of Policy Term. For Single Pay, additional units @ 0.35% of units in each of the funds under the Single Premium Account will be credited (post deduction of applicable charges) to the respective funds every policy anniversary starting from sixth (6th) Policy Anniversary till end of Policy Term. Loyalty Additions are not payable on Top-up Premium Account.
16Guaranteed Additions accrue at the end of each completed policy month, subject to all due premiums being paid and form a part of the Death Benefit offered under the option.
17Market-linked returns are subject to market risks and terms & conditions of the product. The assumed rate of returns or illustrated amount may not be guaranteed and depends on market fluctuations.
~Available under Regular Income with an Inbuilt Critical Illness Benefit option
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.
For ULIP products
In this policy, the investment risk in investment portfolio is borne by the policyholder. The linked insurance product do not offer any liquidity during the first five years of the contract. The policy holder will not be able to surrender/withdraw the monies invested in linked insurance products completely or partially till the end of the fifth year.
The fund is managed by Tata AIA Life Insurance Company Ltd. 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.
Past performance is not indicative of future performance. Returns are calculated on an absolute basis for a period of less than (or equal to) a year, with reinvestment of dividends (if any).
Investments are subject to market risks. The Company does not guarantee any assured returns. The investment income and price may go down as well as up depending on several factors influencing the market.
Please make your own independent decision after consulting your financial or other professional advisor.
Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA Smart Health, Tata AIA Fortune Pro, Tata AIA Smart Sampoorna Raksha and Tata AIA Smart Sampoorna Raksha Pro are only the names of the Unit Linked Life Insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns.
Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. Please know the associated risks and the applicable charges, from your Insurance Agent or Intermediary or Policy Document issued by the Insurance Company.
Various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. The underlying Fund's NAV will be affected by interest rates and the performance of the underlying stocks.
The performance of the managed portfolios and funds is not guaranteed, and the value may increase or decrease in accordance with the future experience of the managed portfolios and funds.
Premium paid in the Unit Linked Life Insurance Policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the Insured is responsible for his/her decisions.
Please know the associated risks and the applicable charges, from your insurance agent or the Intermediary or policy document issued by the Insurance Company.
L&C/Advt/2025/Feb/0756
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