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Term Insurance for Women

Term insurance for women provides a sum assured that may help secure their family's financial future. Today, many women manage both personal Read more and professional responsibilities, which makes financial planning important. A term insurance plan helps ensure that your loved ones are not financially burdened in case of your demise. Many insurers also offer lower premium rates or added riders like critical illness benefits to suit women's specific needs. It may also help you manage various needs such as household expenses, loans, or caring for ageing parents. Buying term insurance early may help you get lower premiums. Read less

Term insurance for women provides a sum assured that may help secure Read more their family's financial future. Today, many women manage both personal and professional responsibilities, which makes financial planning important. A term insurance plan helps ensure that your loved ones are not financially burdened in case of your demise. Many insurers also offer lower premium rates or added riders like critical illness benefits to suit women's specific needs. It may also help you manage various needs such as household expenses, loans, or caring for ageing parents. Buying term insurance early may help you get lower premiums. Read less

Term Insurance for Women

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Get Life Cover of ₹1 Crore by paying a premium of

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Tata AIA Sampoorna Raksha Promise - Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN:110N176V05)

What is Term Insurance for women?

Term insurance for women is a type of life insurance policy that provides financial protection for a fixed period. If the insured woman passes away during the policy term, her nominee receives the sum assured.

Term insurance for women offers affordable life cover, empowering women to secure their family's future even during career gaps or financial instability.

₹10,000/month invested since 2010 would be ₹3.6 Crore today (at 30.63% returns)

Starts as ₹1,000/month

0 LTCG tax¹³

All Funds rated 4 or 5 stars²

Life Cover + Wealth creation

In this policy, the investment risk in investment portfolio is borne by the policyholder

Returns calculated between 2010 and 2025 = ₹3,61,97,990

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.

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How Term Insurance for women works?

Here is how term insurance for women works.

Choose Term & Cover:

Choose a policy duration and sum assured based on your long-term financial goals and family needs.
Pay Premiums:

Make payments monthly, quarterly, or annually as per the chosen plan.
Add Riders:

Add optional riders¹¹ such as maternity cover, critical illness, or waiver of premium for additional benefits.
Claim Payout:

If the policyholder passes away during the term, the nominee receives the full sum assured.
Policy Ends or Returns Premium:

If the insured survives the policy term, the policy ends without any payout, unless a return of premium option was selected.

Reasons why women need Term Insurance

The following point explains why women need term insurance.

Career Break Impact: Term insurance may help protect your family's financial needs even if you don’t have enough savings when you are on long breaks from work.
Child’s Future Security: Term insurance offers a payout that can help you cover your child’s education expenses and daily needs in case of your unexpected death.
Rising Daily Expenses: With increasing inflation and healthcare costs, term insurance can reduce the financial burden on your family during unexpected events.
Longer Life Expectancy: A term plan helps ensure that your financial responsibilities are covered for a longer period.
Financial Freedom: Term insurance can help women plan their financial future, supporting their goals, managing responsibilities, and meeting evolving needs without financial burden.

Features of Term Insurance plans for women

Tata AIA term insurance features for women provide comprehensive protection. They include:

Financial Security

Term insurance provides a safety net; it helps ensure that a woman's dependents are protected from financial uncertainties. It helps secure a child’s education, supports the spouse, or helps repay loans in case of financial crisis.

Affordable Premiums

The term insurance premium for women is more affordable as compared to men for a similar age.

Customised Riders

Women can buy term insurance for critical illness and add riders, such as critical illness, waiver of premium, and maternity rider. These riders¹¹ provide extra financial security for women and their families during unexpected health issues.

Tax Benefits⁴

Premiums paid may be eligible for deductions up to ₹1.5 lakh under Section 80C. The term insurance tax benefit⁴ also includes tax-free4 payouts under Section 10(10D).

Large Sum Assured

Women may get high coverage amounts at affordable rates, which may help ensure the family’s financial future is protected.

Optional Riders

Term insurance plans for women allow adding riders like critical illness, maternity, or accidental death.

Exclusive benefits under Shubh Shakti for Tata AIA women customers:

Tata AIA understands the diverse needs for women. Hence, they have rolled out exclusive benefits for them with Shubh Shakti, which includes:

Lifetime Discounted Premium

Enjoy a 15% lower premium for women compared to male lives, offering substantial savings over time. This reduced premium is applied every year throughout the Premium Paying Term (PPT), ensuring long-term affordability and financial security.
Child Education Protection

Ensure your child’s higher education is financially secured. With a small addition to the premium, women can add this feature to their term insurance, which helps ensure a monthly payout towards their child’s education until age 21 or 25. This helps provide stability and financial planning for parents.
Premium Break in case of Pregnancy

Flexibility of taking a premium break for up to 12 months during pregnancy, providing financial relief at a crucial time. This break allows policyholders to pause their premium payments without affecting the continuity of their coverage. During this break, the premiums due for the holiday period can be paid in full along with the next scheduled premium payment, ensuring that there are no disruptions in the policy’s benefits.
Waiver of Premium (WOP) on Husband’s Death

If the policyholder’s spouse passes away during the premium payment term (PPT), the future premiums are waived off. This helps ensure continued coverage, which may reduce the financial burden during your difficult time. Coverage remains active, which helps ensure long-term security for the policyholder and their families.
Single Mothers discount

Term insurance plans offer a 1% lifetime premium discount for single mothers, which helps manage long-term coverage along with their added responsibilities. This discount helps make term insurance plans more accessible and financially affordable.
Health Buddy Enhance

Some term insurance plans include outpatient department (OPD) benefits. For a nominal fee, women can unlock many benefits such as OPD, additional coverage for non- hospitalization medical expenses, health check-ups and minor treatments.

Detailed benefits under Health Buddy Enhance

Under health buddy Enhance, women have the multiple benefits such as Annual health check-up, Lifestyle & Condition Management, Women Care, Wallet for Vaccinations, Medicines, Tests & Spectacles Benefit & Specialist consultations.

Annual Health Check-up

Get access to a specially curated annual comprehensive health screening that goes beyond the usual tests. This includes: Full body health check-ups to detect hidden risks early. Dental wellness checks to maintain oral hygiene. Women-specific screenings like PAP smear to detect cervical cancer risk, anaemia tests to monitor iron levels, and PCOS tests for hormonal balance, ensuring complete preventive care tailored for women.

Lifestyle & Condition Management

Structured programs to help you manage chronic conditions and lead a healthier lifestyle:

Diabetes management plans with nutrition and activity coaching.
Hypertension tracking with regular follow-ups to keep blood pressure under control.
Personalised weight management guidance, combining expert diet advice with fitness tips to achieve sustainable results.

Women Care

PCOD management programs with diet, exercise and stress control guidance. IVF counselling to help you understand fertility options and make informed choices

Wallet for Vaccinations

Stay protected against major health risks with a dedicated wallet that helps cover:

Cervical cancer vaccines (HPV) to reduce future risk.
Flu shots and hepatitis vaccines to keep your immunity strong.
Shingles vaccination, crucial especially as you age, for long-term wellness.

Medicines, Tests & Spectacles Benefit

Attractive discounts on medicines, lab tests, and spectacles.

Cashless or reimbursement options that reduce your out-of-pocket expenses on these routine health requirements.

Specialist consultations

Get priority access and easier consultations with top doctors across specialties that are important for women’s long-term health, including:

Orthopaedics (for bone & joint health), Endocrinologists (for thyroid, diabetes & hormone issues), Neurologists (for brain & nerve health), Urologists (for urinary concerns), Diabetologists and Cardiologists to comprehensively safeguard your health.

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Who Should Buy Term Insurance Plans for Women?

The following table highlights who should buy term insurance for women.

Women Category	How Term Insurance Helps
Salaried Professionals	Provides a financial safety net for dependents in case of unexpected demise.
Homemakers	Helps secure children’s education and family needs without relying on personal income.
Entrepreneurs	A term plan may help run a business and manage family expenses during a financial crisis.
Divorced or Widowed	Helps ensure long-term protection for children or dependents without a co-earning partner.
Single Mothers	1% lifetime discount applicable every year throughout the PPT
Non-Resident Indian (NRI) Women	Term insurance helps fulfil both their international aspirations and family security in India

Types of Term Insurance for Women in 2025

The following explains the types of term insurance for women in 2025.

Type of Term Insurance	Features
Life Cover with Return of Premium	Offers life cover and refunds the entire premium amount if the insured woman survives the policy term.
Critical Illness Term Plan	Provides a lump sum payout on diagnosis of specified critical illnesses mentioned in the plan.
Accidental Death Rider	Offers an additional amount to the nominee in case of death due to an accident.
Whole Life Term Insurance	Provides life cover for the insured woman up to 100 years.
Increasing Sum Assured Plan	This plan provides a sum assured that increases annually.
Waiver of Premium on Disability/Critical Illness	Waives future premiums if the insured woman is diagnosed with a critical illness or suffers a permanent disability.

Tata AIA offers a range of term insurance plans to meet the diverse financial needs of women. These include:

Tata AIA

Sampoorna Raksha Promise

Key benefits:

Get 1 Crore Life cover at Rs. 501/month¹
Receive 100% premiums back²
Get up to 18.5% discount on first year premium³

Calculate Premium Know More

Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN:110N176V07)

Tata AIA

Maha Raksha Supreme Select

Key benefits:

Flexibility to increase cover at important Life Stages
Enhance coverage for the cost of higher education of up to 3 nominated children
Get income tax⁴ benefits as per applicable tax laws

Calculate Premium Know More

Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN: 110N171V11)

These are pure protection plans that help ensure your family’s financial security in the event of your untimely demise. They provide a high sum assured at affordable premiums and can be enhanced with riders11 for additional protection.

What are Some Special Benefits Offered by Insurers?

The insurer may offer some special benefits, which are as follows:

Term insurance plans are available with life cover options, which can be suitable for homemakers and single mothers.
Salaried women and professionals may get underwriting terms based on their financial profile.
Loyalty-based benefits and premium discounts can be provided under specific policy terms and features.
Free medical check-ups are available with eligible policies as per the insurer’s underwriting norms.

Things to Consider Before Buying Term Insurance for Women

Before buying term insurance for women, consider the following:

Age of the Applicant: The younger you are, the lower your term insurance premium for women can be. Early purchase can help you stay covered for a longer policy term at competitive rates.

Coverage Amount Needed: Choose a sum assured based on your family’s lifestyle, future responsibilities, and ongoing liabilities like home or education loans.

Income and Financial Dependents: Ensure the plan acts as your income replacement and supports dependents like children, spouse, or ageing parents during difficult times.

Riders and Additional Benefits: Check additional riders such as critical illness cover, waiver of premium, or health-related riders.

Claim Settlement Ratio of the Insurer: A high claim settlement ratio indicates the insurer’s reliability in settling claims quickly and without delays.

How to Choose the Best Term Insurance Plan for Women

Here is how you can choose the right term insurance plan for women.

Step 1: Research the Insurers
Explore different policy types and rider options available across insurance providers.
Step 2: Compare Different Insurers
Assess premiums and sum assured based on current responsibilities and future financial goals.
Step 3: Evaluate Riders
Review optional riders based on your healthcare needs, career breaks, and family planning.
Step 4: Check Claim History
Look for the insurer’s claim settlement ratio and financial stability on the Insurance Regulatory and Development Authority of India (IRDAI) website.
Step 5: Apply
Apply for the chosen plan after going through the policy terms, disclosures, and complete documentation process.
You can get a suitable insurance plan for women by following these simple steps. You can either apply online or visit the insurer’s office to obtain a policy.

When Should You Buy Term Insurance for a Housewife?

The following table helps you understand when to buy term insurance for a housewife.

Life Stage	Why it Helps
During Marriage	Buying term insurance during marriage helps protect you and your spouse’s financial future.
During Parenthood	If you buy term insurance during parenthood, it helps you secure your children’s future.
Retirement Phase	Buying term insurance during retirement helps provide financial security when regular earnings stop.

Why Choose Tata AIA Life Insurance?

99.41%

Individual Death Claim Settlement Ratio in FY 24-25

89 Lakh+

Families protected so far⁵

#1 in Retail Sum Assured

Highest retail sum assured of ₹7,90,000 Cr.+⁶

4 Hour

Claim Settlement⁹

600+ Branches

Presence across major cities in India

Pay as per your convenience

Flexibility to choose a premium payment mode as per convenience

FAQs on Term Insurance for Women

Can women take term insurance?

Yes, women can take term insurance. Tata AIA offers a range of term insurance plans designed specifically for women.
Which category of females are eligible to apply for a term plan?

All women, whether working professionals, homemakers, or freelancers, are eligible for term insurance plans from Tata AIA.
What is the maximum age limit to buy term plans for females?

The age limit for purchasing a term insurance plan varies, but most Tata AIA plans allow women to purchase coverage until the age of 65.
Why is term insurance for women more affordable?

Women typically have a longer life expectancy, which results in lower premiums for term insurance plans.
How much term insurance coverage do women need?

The coverage amount should be based on your financial obligations and family needs. Tata AIA can help you calculate an adequate sum assured.
Do term plans offer accidental coverage for women?

Yes, Tata AIA’s term plans offer riders^ like accidental death benefits, for added protection.
Why should women buy term insurance?

Term insurance provides financial protection for women and their families, ensuring that financial stability is maintained in case of any unfortunate event.
Can a housewife without income get term insurance?

Yes, housewives can get plans based on their spouse’s income or joint family planning.
What are the different types of term insurance plans for women?

The different types of term insurance plans for women include level cover, increasing or decreasing cover, return of premium plans, and term plans with optional riders.
What are the tax benefits⁴ of term insurance for women?

Premiums qualify for deductions under Section 80C, and maturity claims may be tax-free⁴.
Should I buy term insurance for my wife?

Yes, you can buy term insurance for your wife, as it helps ensure financial support for the family in case of any unfortunate event.
Can women with pre-existing conditions get term insurance?

Yes, a woman with pre-existing conditions can get term insurance, but it may be subject to medical checks and premium loading by the insurer.
What happens if a woman outlives the policy term?

If a woman outlives the policy term, no payout is made under a pure term plan. However, if you have chosen a return of premium plan, the premiums paid are refunded at the end of the term.
Can I add my partner to my existing term plan?

Yes, you may add your partner under a joint life term plan, which covers both individuals in a single policy.
How does term insurance benefit single mothers?

Term insurance helps single mothers secure their children’s future in case of their untimely death.

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)
- ¹Illustrated 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 Promise Option with first year premium discount for digital purchase and salaried person. 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.
- ²Under 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
- ³This 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.
- 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.
- ⁵89,43,554 families protected till 31st May 2025
- ⁶Retail Sum Assured for FY24-25 is ₹7,90,982 Crore. https://irdai.gov.in/document-detail?documentId=6552249.
- ⁸Individual Death Claim Settlement Ratio is 99.41% for FY 2024 - 25
- ⁹Applicable to only non-early claims with more than 3 years of policy duration, non-investigation cases, up to Sum Assured of Rs. 50 lakhs. 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.
- ¹⁰Under CritiCash Benefit of the Tata AIA Sampoorna Health Rider, Benefit payouts for multistage critical illnesses are offered depending on the category of the illness. For minor critical illnesses such as cardiac arrest, Aortic Valve Repair, Early-stage cancer etc., the payout will be 25% of sum assured. For major critical illnesses such as Heart attack, Major head trauma, Parkinson’s disease, Alzheimer’s disease etc., the payout will be 100% of sum assured. For a catastrophic illness like end stage cancer or major organ/bone marrow transplant, the payout will be 150% of sum assured. Refer list of critical illnesses for benefit payouts.
- ¹¹Riders are not mandatory and are 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/Intermediary/ branch.
- 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/Dec/3920