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50 Lakh Term Insurance

Term insurance policies offer a practical solution to financially secure your family at a minimal cost. They are much more affordable than other life insurance policies, and a ₹50 lakh term insurance plan is a popular option.

To know if this is the right coverage for you and your family, we have explained what a ₹50 lakh term insurance plan is, its benefits, and how to buy one. This can help you determine which Tata AIA life term plan to pick so you and your family can get the right coverage.

Table of Content

What is ₹50 Lakh Term Insurance? Key Features of ₹50 Lakh Term Insurance
Why Should You Purchase A ₹50 Lakh Term Insurance Policy?
How Does a ₹50 Lakh Term Insurance Plan Work?
Benefits of ₹50 Lakh Term Insurance
How to Determine the Right Coverage for Your Term Insurance?
How Much Does a ₹50 Lakh Term Insurance Cost?

How to Choose the Best ₹50 Lakh Term Insurance Policy?
How Can I Purchase a ₹50 Lakh Term Insurance Policy?Documents Required to Purchase ₹50 Lakh Term Insurance
Who Should Opt for a ₹50 Lakh Term Insurance?
Frequently Asked Questions (FAQs) About ₹50 Lakh Term Insurance

What is ₹50 Lakh Term Insurance?

A term insurance plan is a form of life insurance where the insured's nominee receives a death benefit on their untimely demise during the policy term. A term plan for ₹50 lakhs offers ₹50 lakhs as its sum assured payment amount as a death benefit.

Under this plan, the insured does not receive a maturity benefit if they survive the policy unless they opt for a Return of Premium (ROP) add-on during the policy purchase. Otherwise, when the policy ends, its coverage will lapse along with it (if the insured survives). Like other term insurance policies, a ₹50 lakh term plan is considered a pure life insurance policy. Some of them also allow you the flexibility to increase their coverage.

A Happy Family Covered Under 50 Lakh Term Plan

Key Features of ₹50 Lakh Term Plan

Long-Term Financial Safety

A ₹50 lakh term insurance policy offers long-term financial safety as most plans can last anywhere between 10 - 55 years. For example, Tata AIA Sampoorna Raksha Supreme term plan offers whole life coverage until 100 years*.
Comprehensive Coverage

As stated, some term plans allow you to extend your coverage amount or opt for add-on riders^ - which sometimes also have their own sum assured amounts, to get more comprehensive coverage. This offers peace of mind by ensuring your family members will not suffer financial hardships in case the worst happens.
Nominal Cost

The premium rates for term insurance plans are dependent on their coverage (sum assured) amount, although generally, they tend to be more affordable when compared to other life insurance policies on the market. Hence, a ₹50 lakh term insurance premium will be quite low - allowing you to buy a term plan to cover you and your family early in your career without burning through your savings.
Availability of Loans

Home loans are long-term commitments, and if you are the sole earner in your family, the burden of paying off the loans may fall on your family members in the event of an untimely death. Most term plans last 15 - 20 years, which matches up with the tenure of a home loan. Hence, a ₹50 lakh term policy can be a viable safety net when you opt for long-term financial commitments to protect against any uncertainties. For more information on this topic, you can refer to our blog on Guide to Loan Against Your Life Insurance Policy.

Popular Tata AIA Term Insurance Plans

Tata AIA

Sampoorna Raksha Supreme

Key benefits

Option to get 105% of the premiums paid by you^$
Life cover up to 100 years of age*
Increase life cover at important milestones^~

Calculate Premium Know More

A Non-Linked Non-Participating Individual Life Insurance Plan (UIN:110N160V04)

Tata AIA

SRS Vitality Protect

Key benefits

Choose from two plan options: Term or Term + Return of premium
Get Life Insurance Cover
Avail a free health check-up annually

Calculate Premium Know More

Why Should You Purchase A ₹50 Lakh Term Insurance Policy?

A ₹50 lakh term insurance policy can be useful at all stages of life regardless of when you decide to purchase one. Here are some reasons you should consider getting one:

For people in their twenties, term insurance can provide a financial safety net for their parents later in life if they have taken any educational loans for higher education purposes.

For people in their thirties, a ₹50 lakh term policy can offer their loved one’s financial assistance in the event of their untimely demise to help pay off property loans, car loans, etc., which the insured may have taken out.

For people in their forties, the sum assured from a ₹50 lakhs term plan can be used to guarantee the financial stability of their dependents' needs like life goals, children's education, marriage, etc.

Lastly, a modern lifestyle brings with it its own set of health conditions and ailments due to high stress and hectic work schedules. For this reason, most term plans offer a critical illness cover while financially safeguarding the insured individual's loved ones after their passing.

Why Choose a 50 Lakh Term Policy with Tata AIA

4 Hours

Express Claim settlement^##

Worth of Assets Under Management - Why Choose Tata AIA Life Insurance?

The Tata AIA Assurance

99.01% Individual Death Claim Settlement Ratio^%

72 Lakh+

Families protected so far^~~

Affordable Insurance Premium

Start with as low as Rs 415/month**

^##T&C apply

How Does a ₹50 Lakh Term Insurance Plan Work?

If you have a young family, a term policy may be the most cost-effective approach to protect their future. A ₹50 lakh term policy is essentially a term insurance policy and functions similarly to most other term insurance policies.

It is a type of life insurance policy that provides coverage for a certain period, or 'term.' Here are some key takeaways to help you understand how they work:

01.

The beneficiary or policy nominee is entitled to a death benefit if the insured dies while the term plan is still active. For a ₹50 lakhs term policy, the sum assured, or death benefit payout will be ₹50 lakhs.

01.

The beneficiary or policy nominee is entitled to a death benefit if the insured dies while the term plan is still active. For a ₹50 lakhs term policy, the sum assured, or death benefit payout will be ₹50 lakhs.
02.

The entire sum assured amount is paid upfront only to the policy nominee. Some term plans also allow for an upfront sum assured payment of a certain amount while the rest gets paid out in regular intervals for a certain time period.

02.

The entire sum assured amount is paid upfront only to the policy nominee. Some term plans also allow for an upfront sum assured payment of a certain amount while the rest gets paid out in regular intervals for a certain time period.
03.

The premium rates will primarily depend upon the policy tenure and if you have opted for any add-on riders^ or cover before policy purchases. However, since the coverage amount is ₹50 lakhs, the premiums for this policy are generally affordable.

03.

The premium rates will primarily depend upon the policy tenure and if you have opted for any add-on riders^ or cover before policy purchases. However, since the coverage amount is ₹50 lakhs, the premiums for this policy are generally affordable.
04

The premium rate remains constant and unchanged throughout the policy tenure. Failure to make premium payments on time can result in the termination of the term policy.

04

The premium rate remains constant and unchanged throughout the policy tenure. Failure to make premium payments on time can result in the termination of the term policy.
05

If the insured survives the policy term, they do not get any survival benefits unless they have opted for a Return of Premium or other covers that offer maturity/survival benefits on policy purchase. Under a basic plan, the insured does not get any return payments or payout amounts on survival.

05

If the insured survives the policy term, they do not get any survival benefits unless they have opted for a Return of Premium or other covers that offer maturity/survival benefits on policy purchase. Under a basic plan, the insured does not get any return payments or payout amounts on survival.
06

The death benefit or sum assured is only paid to the nominee if the insured passes away during the policy tenure. It is not applicable if they pass before policy commencement or after the policy tenure lapses.

06

The death benefit or sum assured is only paid to the nominee if the insured passes away during the policy tenure. It is not applicable if they pass before policy commencement or after the policy tenure lapses.

Benefits of ₹50 Lakh Term Insurance

Lifetime Protection

Most term insurance policies offer whole-life coverage options to their policyholders. As a result, you don't have to worry about your family's future at any point in time.

For example, Tata AIA offers the best term plans for ₹50 lakhs that you can choose from. So, if anything were to happen during your lifetime, your policy nominee or family members would receive a death benefit.

Tax Benefits

The premium payments for term plans are tax^# deductible under Section 80C of the Income Tax Act 1961, up to a maximum of ₹1.5 lakh per annum. Moreover, the death benefits and maturity benefit payouts under a term plan are tax-exempt under Section 10(10D). Hence, the insured and their nominee can claim these deductions or exemptions if eligible under these Sections.

Easy Customization

You can enhance the coverage of your term plan by including riders^ to your basic ₹50 lakhs term insurance plan. This will require an extra premium payment. However, it is often worth the extra cost if you suffer from or are prone to developing future health conditions since the coverage you receive is quite substantial in the case of critical illness riders.

Cost-Effective

As stated in the previous sections, you can buy a term plan at an early age. Insurance providers often provide lower premium rates to younger individuals. The premium rates are also decided upon policy purchase and stay the same throughout the policy tenure. Therefore, you can ensure financial stability for your loved ones at an economical price.

Security Against Loans and Liabilities

Existing liabilities like debt or loans incurred from big purchases, like a house, will require long-term incremental payments. In the event of an untimely demise, your family can use the sum assured payout from your ₹50 lakhs term policy to settle any outstanding loans or financial liabilities that may fall onto them to pay.

How to Determine the Right Coverage for Your Term Insurance?

Evaluating the required coverage for your term insurance policy is effectively calculating your life's value, and that is anything but pleasant. However, you must remember that life insurance aims to provide financial security to your family and dependents in the event of an untimely death. As a result, you must consider the following factors to select your appropriate coverage level.

01

Age

Younger individuals generally get charged lower premium rates than older policyholders for the same coverage amount. This is because insurance providers consider them a lower-risk investment as they a less prone to health conditions. Hence, you should get a term policy at a younger age and assess your current age, health condition, and lifestyle to gauge your needed coverage.
02

Your Annual Income

Generally, the term plan's sum assured should be at least ten times your annual salary. If you decide to purchase ₹50 lakhs term insurance, ensure that the sum assured will compensate for your current standard of living and your family's lifestyle requirements while considering your annual income.
03

Dependents and Their Needs

If you have family members who depend on you financially, you must ensure that your family members' financial needs are met in unprecedented times. Hence, you must factor in the ₹50 lakh term plan insurance premiums into your financial plan. You must also consider the number of family members who financially rely on you for their future demands, like educational expenses, marriage, loans, and other cost of living expenses.
04

Existing Liabilities

If you are buying a ₹50 lakhs term policy, always factor in your current liabilities. Whether it is a home loan, a student loan, or a car loan, you need to make sure that your term insurance payout will cover all of your commitments. The right coverage amount is critical when purchasing a life insurance policy. As a buyer, you should carefully assess your needs, liability (if any), and your ability to pay all your insurance premiums in a timely manner for a ₹50 lakh plan to get the required coverage.

How Much Does a ₹50 Lakh Term Insurance Cost?

The exact cost of a ₹50 lakh term insurance policy depends on several factors. There is no standardized amount, and it will depend on your future requirements. Prominent factors include age, coverage amount, medical history, current lifestyle (whether you smoke/drink/or have pre-existing health conditions), and occupation. Some insurance providers offer women lower premium rates or discounts under their term plans. You can find such discounts under most Tata AIA life insurance plans.

One way to estimate your potential premiums under a ₹50 lakh term insurance would be to use a term insurance calculator. These are free online tools insurance providers offer on their website, which allow you to input factors like your age, annual income, number of insured members, and add-on riders that you would like to include under the policy to give you an estimated premium rate.

If you want to buy a policy under Tata AIA and want to know your ₹50 lakh term insurance premium, you can use our Tata AIA Term Insurance Calculator to estimate your potential premiums under your preferred term insurance policy.

How to Choose the Best ₹50 Lakh Term Insurance Policy?

Claim Settlement Ratio (CSR)

The insurance provider's claim settlement ratio is essential when choosing a term insurance plan. The CSR shows you the percentage of claims settled by the insurance company against the total number of claims filed in a fiscal year. For reference, Tata AIA's Individual death claims settlement ratio^% for FY 2022 - 2023 was 99.01%.

While it should not be the only deciding factor when choosing a ₹50 lakh term insurance plan, the CSR indicates the likelihood of your claims being accepted and settled by the insurance company. So, a higher CSR means the more likely your insurer will settle your claim.
Policy Term

Policy term or tenure refers to the coverage period under the term insurance policy. The maximum coverage period under term insurance plans like Tata AIA Life Insurance Sampoorna Raksha Supreme Plan can go up to 100 years* for a policyholder.

Hence, you must assess how long you want your life insurance coverage to last since most term plans do not offer survival benefits and opting for a ₹50 lakh term plan with whole life cover may be a better option.
Insurance Riders

Most insurance providers offer add-on riders^ with their term insurance policies. These can be used to increase the base coverage amount your term policy offers, and they must be opted for on policy purchase unless your policy allows mid-term inclusions. These add-ons also offer their own sum-assured amounts and require additional premium payments. Some popular term insurance riders are Accidental death, terminal illness, critical illness, accidental total, and permanent disability, hospicare, and waiver of premium benefit.
Choose the Right Variant

Insurance providers offer different types of term insurance plans under their roster. It is recommended that you shop around and compare different term plans with each other before buying one, as each type of term plan will have its own pros and cons.

For example, at Tata AIA, we offer different types of term insurance policies that satisfy different coverage requirements. Always analyze your requirements and carefully choose a plan that can benefit you the most.
Read the Policy Document Carefully

Policy documents may be wordy, but you must not skip reading them before signing onto any term policy. They contain the clauses and conditions under which your term plan functions and will directly impact your experience with the term plan. Hence, once you have decided on a ₹50 lakh term insurance plan, make sure to go through every clause and term and only then sign the policy document. This way, you have a thorough idea of your term plan.

How Can I Purchase a ₹50 Lakh Term Insurance Policy?

Now that you know what to look for when choosing a ₹50 lakh term insurance plan, here is how you can buy one from Tata AIA:

To explore what term plans we offer, visit our Term Insurance page by hovering over the Plans tab and then clicking 'Term Insurance’

Click on the term insurance policy you wish to know more about.

To know your premium estimates under a particular plan, enter your details and click 'Check Premium.'

To proceed with your buying process, hover over the 'Where Do I?' tab and click on the term insurance policy you want to buy.

Enter your details on the given fields and click 'Continue' to proceed with your buying process.

Documents Required to Purchase ₹50 Lakh Term Insurance

The term policy application form is duly filled and signed. It can be downloaded from the insurance provider's website.
Mandatory KYC Documents:
- Identity Proof: This can be any government-authorized identity proof like Aadhar, Passport, Driver's License, or Voter ID
- Address Proof: This can be any identity proof stating your current address or documents like utility bills that state your current residential address.
Income Proof: PAN Card, Bank statements, ITR, salary slips, etc.

Who Should Opt for a ₹50 Lakh Term Insurance?

Those who wish to create a financially secure future for their family members or loved ones from the uncertainties of life can opt to buy a ₹50 lakhs term insurance plan. This can include people like:

Individuals with a regular, fixed income and financial dependents should consider purchasing a ₹50 lakhs term insurance plan since it is a more affordable type of life insurance. These can be professionals, parents, married/unmarried people, recently retired people, self-employed, etc.
Taxpayers should consider investing in a term plan for the tax deductions and exemptions it can provide, as it can help them save money and aid with financial planning in the long run.
Younger individuals who have just started earning their own income should invest in a ₹50 lakhs term insurance policy as it is much cheaper than other types of life insurance while providing substantial coverage.
Those with existing liabilities like loans or debt who do not wish for their family members to bear the burden of paying for them in the event of an untimely death.
For those who a prone to developing health conditions or critical illnesses, whether it be due to their family medical history or living a hectic lifestyle - the sum assured payout from a critical illness cover or a health rider can be used to pay for medical treatments.
Parents or recently retired individuals who wish to safeguard their children's and family's financial future.
Married and unmarried people with dependents can benefit from buying a ₹50 lakhs term insurance plan to secure their future at a nominal price.

₹50 Lakh Term Insurance FAQs

What are the eligibility criteria for purchasing a ₹50 lakh term insurance policy?

Like most life insurance policies, you can purchase a ₹50 lakh term policy if you are at least 18 years old. The maximum age limit on most term policies is 65 years unless you have opted for a whole life cover.
What is the premium for a ₹50 lakh term insurance plan?

While a ₹50 lakh term plan is quite affordable, the premium rates of a term plan can vary depending on your age, policy tenure, and if you have chosen to add any additional riders^ to your plan.
What are the benefits of purchasing a ₹50 lakh term insurance policy in India?
A few key benefits of purchasing a ₹50 lakh term insurance policy include:
- Lifetime protection under most insurance providers
- Tax benefits^# under applicable tax laws
- Easy customization with add-on riders^
- Cost-effective life insurance coverage
- Security against existing and potential loans and liabilities.
For a more detailed explanation of the benefits, you can get under these points, refer to our Benefits of ₹50 Lakh Term Insurance mentioned above.
How can I calculate the premium for my ₹50 lakh term insurance policy?

Using an online term insurance calculator to estimate any potential premium amounts under a term plan is recommended as it mitigates the risk of human errors that may occur during the calculator process, giving you a more accurate estimate.
Is a ₹50 lakh term insurance cover sufficient?

This will depend on factors like your current lifestyle, your number of dependents, your annual income, and existing liabilities like debt or loan payments (if any) that are yet to be paid off.
What happens if I outlive the policy period of a ₹50 lakh term insurance plan?

Unless you have opted for a Return of Premium benefit under the plan, that coverage amount will lapse along with the policy once the policy tenure is over. This is because most term insurance plans do not offer any survival benefits to the policyholder unless your policy wording specifically states otherwise.
What are the riders applicable to a ₹50 lakh term insurance policy?
Some popular add-on riders that people opt for when purchasing term insurance are:
- Accidental Death Benefit
- Terminal Illness Cover
- Critical Illness Cover
- Accidental Total and Permanent Disability Benefit
- Hospicare Benefit
You can also check our blog on Which Riders# to Choose for Your Term Insurance Plan? To learn more about the riders mentioned here and about other riders, you can opt for when buying a term plan.
Are tax benefits applicable to ₹50 lakh term insurance plans?

Term plans offer tax^#deductions under their annual premium payments of up to ₹1.5 lakhs to policyholders under Section 80C of the Income Tax Act 1961.

You may also be eligible for other deductions or exemptions under sections 80D and 10(10D) if you have opted for medical insurance coverage or are a nominee under a term policy and received a death benefit payment, respectively.
Can I purchase two term insurance plans for higher coverage?

It is possible to purchase more than one term policy. However, you must note that buying more than one plan can get expensive as you will be paying more premiums and will need to go through the application process again when buying a new plan.

Moreover, the premium rates charged for older individuals are higher than younger policyholders for the same coverage amount.

Instead, we recommend getting top-up plans and add-ons or opting for an increasing term insurance plan altogether if you think you may need more coverage in the future.
Does the term insurance coverage available depend on salary?

Your annual income determines the maximum term insurance coverage you can purchase. The higher the coverage, the higher the premiums charged for the term plan.

Generally, your maximum term insurance coverage should range between 10 to 15 times your annual income. For example, if your annual income is ₹5 lakhs, you may be able to afford a ₹50 lakhs term insurance policy.

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Disclaimer
- The complete name of Tata AIA Sampoorna Raksha Supreme is Tata AIA Life Insurance Sampoorna Raksha Supreme (UIN:110N160V04) - A Non-Linked Non-Participating Individual Life Insurance Plan
- Tata AIA SRS Vitality Protect is a term solution which includes Tata AIA Life Insurance Sampoorna Raksha Supreme, a non-linked, non-participating, individual life insurance plan (UIN: 110N160V04) and Tata AIA Vitality Protect, a non-linked, non-participating, individual health rider (UIN: 110B046V02). Tata AIA Life Insurance Sampoorna Raksha Supreme is also available individually for sale.
- *Applicable for specific plan options. Please refer brochure for additional details.
- ^~Applicable for specific plan options. Please refer brochure for additional details.
- ^$Under 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.
- ^{^}Riders 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.
- 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:110B046V02), Tata AIA Vitality Health (A Non-Linked, Non- Participating Individual Health rider (UIN:110B045V01) are available under this plan
- **Illustrated Premium is the monthly premium excluding taxes for 20 yr. old female, Standard Life, Non-Smoker for 50 Lakhs. 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.
- ^#Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfilment 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.
- ⁺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 to only non-early claims with more than 3 years of policy duration, non-investigation cases, up to Sum Assured of Rs. 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.
- ^%Individual Death Claim Settlement Ratio is 99.01% for FY 2022 - 23 as per the latest annual audited figures.
- ^~~72,34,092 families protected till Mar’23.
- Tata AIA Vitality - A Wellness Program that offers you an upfront discount at policy inception. You can also earn premium discount / cover booster (as applicable) for subsequent years on policy anniversary basis your Vitality Status (tracked on Vitality app). Please refer rider brochures for additional details on health and wellness benefits.
- Vitality is a trademark licensed to Tata AIA Life by Amplify Health Assets PTE. Limited, a joint venture between Vitality Group International, INC. and AIA Company Limited. The assessment under the wellness program shall not be considered as a medical advice or a substitute to a consultation/treatment by a professional medical practitioner.
- 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/2023/Sep/3198