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Get 7% Digital Discount on Your First
Year Premium

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    Tata AIA Term Insurance Plan


    We all want to ensure that our loved ones have a comfortable life and secured future. We want to make sure they are never short in terms of financial resources to live the life of their dreams, thereby providing a strong 'foundation' of financial security for them. Tata AIA Sampoorna Raksha Supreme plan provides financial protection to your family and offers you the flexibility to choose the plan that suits your need.

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    Benefits of Tata AIA
    Life Insurance Sampoorna Raksha Supreme

    Get Your Premium Amount Back

    Recover the premium paid during the policy tenure - Benefits of Tata AIA Life Insurance Sampoorna Raksha Supreme

    Get Your Premium Amount Back

    With Life Plus plan option you can get up to 105% of the premium1 amount you paid.

    Get Whole Life Coverage

    Increase Life Cover at Important Milestones - Benefits of Tata AIA Life Insurance Sampoorna Raksha Supreme

    Get Whole Life Coverage

    With this plan, you can get life cover up to 100 years of your age^

    Increase Life Cover at important Milestones.

    Get whole life coverage up to 100 years of age^ - Benefits of Tata AIA Life Insurance Sampoorna Raksha Supreme

    Increase Life Cover at important Milestones.

    With the Life Stage~ option benefit, you can Increase policy cover at important milestones such as marriage or birth of your child.

    Avail Critical Illness Cover

    Get Income Tax Benefits~as per Applicable Tax Laws - Benefits of Tata AIA Life Insurance Sampoorna Raksha Supreme

    Avail Critical Illness Cover

    Get Critical Illness2 cover against 40 critical illnesses including Heart and Cancer

    Save Income Tax Up to Rs 46,800+

    Enhance your Protection with Optional Riders - Benefits of Tata AIA Life Insurance Sampoorna Raksha Supreme

    Save Income Tax Up to Rs 46,800+

    Get income tax4 benefits as per applicable income tax laws and save more.

    Express Claim Settlement

    Express Claim Settlement

    Get your claim settled in 4 Hours with Express Claim Service3

    3T&C apply

    Why Term Plan Is Necessary?

    • Get Large Cover at Lower Premium

      A term insurance premium is affordable and secures the financial future of your loved ones.

    • Provides Financial Security

      Buying a term plan is important if you are the sole bread earner in your family. In case of any unfortunate event, term plans help to cover the risk and secure the future of your loved ones.

    • Early Mover Advantage

      With an increase in age, your premium will also increase. When you buy the term plan at an early age it is more affordable.

    • Avail Tax Benefits

      When you purchase a term plan, you get Tax4 Benefits as per applicable tax laws thus it will help you to save on tax.


    Who Should opt for Tata AIA Sampoorna Raksha Supreme Plan?
     

    • Buy Term Insurance Plan Online At Younger Age

      Young Individuals

      Term plans are more affordable when you opt in early. Also recommended if you have aged parents to take care of.
      Buy Term Insurance Plan Online At Younger Age

      Young Individuals

      Term plans are more affordable when you opt in early. Also recommended if you have aged parents to take care of.
    • Newly married couples should buy Tata AIA Term Insurance Policy Online

      Married Couples

      Marriage is a new beginning with added responsibilities. Enhance the financial security of your partner with a term plan.
      Newly married couples should buy Tata AIA Term Insurance Policy Online

      Married Couples

      Marriage is a new beginning with added responsibilities. Enhance the financial security of your partner with a term plan.
    • Parents should Buy Tata AIA Term Insurance Policy Online

      Young Parents

      Being a parent is a wonderful thing. So is ensuring that your little family is always protected from uncertainties.
      Parents should Buy Tata AIA Term Insurance Policy Online

      Young Parents

      Being a parent is a wonderful thing. So is ensuring that your little family is always protected from uncertainties.
    • Investor need to pay regular monthly amounts of money towards your market linked investments

      Business Entrepreneurs

      Don't leave any debts unsettled. With adequate life cover, ensure that your family continues to maintain its standard of life.
      Investor need to pay regular monthly amounts of money towards your market linked investments

      Business Entrepreneurs

      Don't leave any debts unsettled. With adequate life cover, ensure that your family continues to maintain its standard of life.
    • Retired Individuals Should Buy a Term Insurance Plan Online

      Retired Individuals

      Keep your finances protected against illnesses and hospitalization when you'll probably need it the most.
      Retired Individuals Should Buy a Term Insurance Plan Online

      Retired Individuals

      Keep your finances protected against illnesses and hospitalization when you'll probably need it the most.
    • Working women should Buy a Term Insurance Plan Online

      Working Women

      Be an equal responsibility partner and safeguard your family's fortune. Even if unmarried, you can still fulfil your responsibilities towards your parents.
      Working women should Buy a Term Insurance Plan Online

      Working Women

      Be an equal responsibility partner and safeguard your family's fortune. Even if unmarried, you can still fulfil your responsibilities towards your parents.



    Why Choose Tata AIA Life Insurance?

     

    Frequently Asked Questions

    What is a term life insurance plan?

    A term life insurance plan is the simplest form of life insurance that offers a pure life cover. This type of insurance policy provides comprehensive life insurance coverage to you and your loved ones for a policy term of your choice and with a sum assured selected as per your needs. For pure term insurance plans, a lumpsum amount will be paid to the nominee of the life assured in case of any unfortunate event such as death of the life assured during the policy term.

    Why should I buy a term insurance plan?

    Term plans are considered to be quite popular as they offer higher life insurance coverage at very affordable premium rates. It is advisable to purchase a term insurance plan as they are quite flexible in terms of policy terms and premium payment terms, thus making term plans suitable for everyone’s insurance needs.

    With pure life cover protection, term plans offer extensive coverage to your family, and in case of your demise during the policy term, the death benefit sum assured paid out to them can cover their financial needs for the years to come. You can simply choose a policy term, a premium payment term and a sum assured of your choice, depending on your needs, to provide the best possible life insurance coverage for your loved ones.

    Is buying a term policy online safe?

    Yes, buying a term insurance policy online with Tata AIA Life Insurance is a safe and secure process, right from the plan selection to the digital payment for the purchase.

    What are the benefits of Tata AIA Life Insurance Sampoorna Raksha Supreme?

    Tata AIA Life Insurance Sampoorna Raksha Supreme offers the following benefits:

    • You can enjoy a whole life coverage of up to 100 years^ under this policy which ensures comprehensive life insurance protection for your family throughout your lifetime. And in case of your demise before the end of the policy term, your family can avail of the death benefits for their financial security. 

    • With a choice of flexible plan options, you can choose the one that best suits your needs. This also comes with the choice of return of premium option, wherein you can get 105% return on premium1 if you survive till the end of the policy term. 

    • The Life Stage option~ enables you to increase your life insurance coverage at important milestones in your life and offers greater coverage for added financial responsibilities, such as your marriage or the birth or adoption of a child.

    • As per Section 80C of the Income Tax Act, the insured can get a tax4 deduction of up to ₹1.5 lakhs on the policy premiums, subject to policy terms and conditions. In addition, the death benefit, and the maturity benefit, as per the policy terms and conditions, are also fully exempt from tax under Section 10(10D) of the Income Tax Act.

    This policy comes with a choice of optional riders8 that you can add to your policy for enhanced coverage. Not only do these riders cover health emergencies but also specific unforeseen situations.

    How fast is the claim settled?

    With Express Claim, a unique service initiative, the Beneficiary can submit the necessary documents with our Rakshakarta agent who will initiate the claim process and ensure that the claim amount is received within 4 hours3. | 3T&C apply

    Can I increase my plan’s life cover during the policy term?

    Yes, Tata AIA Life Insurance Sampoorna offers the Life Stage~ benefit, which enables you to increase the sum assured coverage of your term life insurance plan at significant milestones. At the time of your marriage or during the birth/adoption of a baby, you can provide the appropriate documents as proof of the milestone and have your term insurance coverage increased through the Life Stage option.

    Disclaimer
    • The complete name of Tata AIA Sampoorna Raksha Supreme is Tata AIA Life Insurance Sampoorna Supreme (UIN:110N160V04) - A Non-Linked Non-Participating Individual Life Insurance Plan
    • *Illustrated Premium is the monthly premium excluding taxes for 20 yr. old female, Standard Life, Non-Smoker for 1 Cr. Sum Assured with Policy Term of 20 yrs. (Regular Pay) under Life Option. Please refer Benefit Illustration for more details. Premium is subject to applicable taxes, cesses & levies which will be entirely borne/ paid by the Policyholder, in addition to the payment of such Premium. 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.
    • +Tax 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. 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.
    • ^Applicable for specific plan options. Please refer brochure for additional details. 
    • ~Applicable for specific plan options. Please refer brochure for additional details
    • **Individual Death Claim Settlement Ratio is 99.01% for FY 2022 - 23 as per the latest annual audited figures.
    • 1Under Life Plus Option, an amount equal to the 105% 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.
    • 2Term Benefit, Critical Illness, Accidental Death, Accidental Disability are available with Tata AIA Vitality Protect (A Non-Linked, Non- Participating Individual Health rider (UIN:110B046V02) and Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider (UIN:110B033V02 or any other later version).
    • 3Applicable to only non-early claims more than 3 years of policy duration, non-investigation cases, up to Sum assured of 50 lacs. Applicable for branch walk in. Time limit to submit claim to Tata AIA by 2 pm (working days). Subject to submission of complete documents. Not applicable to ULIP policies and open title claims.
    • 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 implications mentioned anywhere on this site. Please consult your own tax consultant to know the tax benefits available to you.
    • 577,26,727 families protected till 31st December 2023.
    • 6Retail Sum Assured for FY2023 is Rs 4,43,479 Crores
    • 7As on 31st August 2023, the company has a total Assets Under Management (AUM) of Rs. 81,601.11 Crores
    • 8Rider 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.
    • Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider (UIN:110B033V02 or any other later version) - A Non-Linked, Non- Participating Individual Health Rider, Tata AIA Life Insurance Non-Linked Comprehensive Health Rider (UIN: 110B031V02 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:110B046V01), Tata AIA Vitality Health (A Non-Linked, Non- Participating Individual Health rider (UIN:110B045V02) are available under this plan 
    • 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/2024/Feb/0354


    Tata AIA Life Insurance Company Ltd    . (IRDA Regn. No. 110 ·CIN:U66010MH2000PLC128403. Registered & Corporate Office: 14th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg, Lower Parel, Mumbai 400013. Trade logo displayed above belongs to Tata Sons Ltd and AIA Group Ltd. and is used by Tata AIA Life Insurance Company Ltd under a license. For any information including cancellation, claims and complaints, please contact our Insurance Advisor/Intermediary or visit Tata AIA Life's nearest branch office or call 1-860-266-9966 or write to us at customercare@tataaia.com. Visit us at www.tataaia.com

     

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