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Term insurance is a simple and affordable form of life insurance. It offers financial protection for a fixed period, ensuring that your family receives the Read more sum assured if you pass away during the policy term.
Tata AIA Term Insurance Plan provides your family with a Rs 1 Crore life cover at just ₹501/month1. With affordable premiums, flexible policy terms, and quick claim settlements4, you can plan for financial security today. Read less
Term insurance is a simple and affordable form of life insurance. It offers financial Read more protection for a fixed period, ensuring that your family receives the sum assured if you pass away during the policy term.
Tata AIA Term Insurance Plan provides your family with a Rs 1 Crore life cover at just ₹501/month1. With affordable premiums, flexible policy terms, and quick claim settlements4, you can plan for financial security today. Read less
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Get Life Cover of ₹1 Crore by paying a premium of
₹7,085/month (for 30 years)
₹8,287/month
Save ₹1,202 with discounts
Includes 10% digital + 8.5% salaried discount on 1st year premium
Excludes GST
Our sales representative will connect with you soon to assist further
Tata AIA Life Insurance Sampoorna Raksha Supreme (A Non-Linked Non-Participating, Pure Risk, Individual Life Insurance Plan) • UIN: 110N160V6
Term insurance policy is a basic form of life insurance offering financial protection for a specific period. The nominee of a term insurance policy will receive a financial benefit if you die during the policy period.
The purpose of term life insurance is to provide financial benefits only in the event of the policyholder's death during the term period. This policy does not return any financial value if you survive its term. You can choose term insurance with return of premium if you wish to get your premiums back after the policy term ends.
When you buy term insurance, you pay regular premiums in exchange for a financial benefit that goes to your nominee in the event of your untimely demise.
Choose a Tata AIA term insurance plan that suits your needs:
Plan name
Tata AIA Sampoorna Raksha Promise: Life Promise
Tata AIA Maha Raksha Supreme Select: Life Secure
Entry Age (years)
Minimum
Minimum
Minimum
Maximum
Maximum
Maximum
Maturity Age (years)
Minimum
Minimum
Minimum
Maximum
Maximum
Maximum
Pay premium for (Premium Payment Term in years)
Minimum
Minimum
Minimum
Maximum
Maximum
Maximum
Stay covered for (Policy Term in years)
Minimum
Minimum
Minimum
Maximum
Maximum
Maximum
Life cover (Basic Sum Assured in Rs)
Minimum
Minimum
Minimum
Maximum
Maximum
Maximum
Premium payment mode
Death benefit
Option to cover till age7 of 100
Return of premium
Terminal illness cover
Early exit feature
Instant claim payout1
FlexiPay3 (Pay later) benefit
Health benefit
Tax benefit5 on premiums paid
Tax on death benefit
Digital purchase discount
Salaried personnel discount
Female premium benefit
Milestone discount
Tata Group staff discount
Other discounts
Explanation
Premium Payment Term: Period for which premiums will be paid
Policy Term: Period for which policy will remain active subject to premiums paid on time
Basic sum assured: Life cover provided under the policy
Single Pay: Pay premium once
Limited Pay: Pay premium for a defined number of years, lesser than the policy term
Regular Pay: Pay premiums for the entire policy term
Purchasing a term insurance plan helps ensure financial security for your loved ones in your absence. Here is how a term insurance plan can help you
Delay in purchasing term insurance can result in higher premiums, limited coverage, and increased financial risks for your loved ones. Act now to lock in affordable rates and secure your family's future.
The following are some of the types of people who may consider buying a term insurance plan, depending on their life stage and responsibilities:
If you are starting a family, term insurance may help you protect your partner and children from financial troubles in your absence. Choosing the best term insurance plan in India can give them the necessary financial support in your absence.
If your family depends only on your income, a term life insurance policy is important. It gives a specific amount to your family if you are not there. Picking the best term policy in India helps ensure you get the right cover at an affordable cost.
If you have a home or personal loan, a term insurance plan helps ensure your family is not burdened with repayments.
If you have education or car loans, a term plan helps your family handle those expenses even after your absence.
Business owners can use term insurance to protect their business and loved ones. It also helps manage sudden business loss.
More women are earning now. A term plan helps them protect their family’s future. Homemakers can also get coverage to support their household roles.
If you are retiring but still have dependents, term life insurance helps them stay financially secure.
If you support older parents, buying the best term plan will help them live without worries if something happens to you.
Paying for a term insurance plan can help you save taxes9 each year as part of your financial planning. Comparing the best term plans can help you find one that suits your income and long-term needs.
Calculate Term Premium For 1 Crore
Gender
Male
Monthly premium starts from
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Let us see why Tata AIA is a good choice for you to buy term insurance:
There are different types of term insurance plans you can choose based on your needs. Some of them are as follows:
The suitable time to buy term insurance is generally early 20s to secure the affordable premiums. Here are some benefits of buying term insurance at a young age:
Lower premiums: Younger individuals enjoy more affordable insurance premiums.
Long-term savings: Investing early leads to significant cost savings over time.
Financial security: Provides extended coverage and financial protection from a young age.
Health benefits: Lock in additional coverage through health riders10 before the risk of developing health issues increases.
Peace of mind: Ensures loved ones are financially secure in case of unexpected events.
Tax benefits: Get income tax9 benefits as per applicable tax laws.
However, if you have not yet purchased term insurance, you should buy a life insurance policy whenever you can, to safeguard your family’s future in case of any adversity
Age group |
Why it’s the right time to buy Term Insurance |
In Your 20s |
- Premiums are lower because of age and better health conditions. - Ideal for securing loans or family responsibilities in the future. |
In Your 30s |
- Financial responsibilities increase with marriage, children, and home loans. - Protect your family’s financial future. |
In Your 40s |
- Higher earnings but greater responsibilities like education and retirement planning. - Secures your family’s needs as you age. |
In Your 50s |
- Provides financial stability for dependents. - Aids in legacy planning and covers outstanding liabilities. |
Term life insurance is important if you want to protect your family from financial challenges. It is helpful when you are the only earner in your family. Here are some important stages in life where term insurance becomes very important.
Higher education needs good financial support. If you are not there when your child is ready for school or college, term insurance provides the assured amount to your nominee. This helps your child continue their studies without financial worry.
Wedding comes with heavy expenses like jewellery and celebrations. In case of your untimely death, the term insurance amount can help your family arrange for your child’s wedding without financial pressure.
If you have home, car, or personal loans, your family may struggle to repay the loans in your absence. If something happens to you, the insurance amount helps clear these debts. This prevents your family from dealing with unpaid EMIs.
Prices rise every year, making daily life more expensive. If you pass away, term insurance gives a fixed amount that helps your family keep their regular lifestyle. It also supports them in the long term, especially if you haven’t built large savings. This amount works like financial support in your absence.
Buying term insurance online is simple with Tata AIA. Here's how to buy a plan from Tata AIA Life Insurance:
Tata AIA Sampoorna Raksha Promise provides comprehensive financial protection and flexibility to policyholders and their families. Depending on the family's financial needs, policyholders can choose to receive their death benefit as a lump sum or in instalments.
Tata AIA Maha Raksha Supreme Select offers comprehensive financial coverage with customisable options to meet individual needs. A critical illness rider, accidental death rider, and premium waiver rider are among the optional riders10 available to policyholders.
Tata AIA Saral Jeevan Bima is a pure term insurance plan that offers financial stability to your family at affordable premiums. It provides a lump-sum death benefit if the policyholder dies during the policy term, protecting your loved ones from financial stress.
The Tata AIA Bharat Suraksha Cover is an affordable micro term insurance plan designed to protect individuals and families. This micro term insurance plan provides a sum assured of up to ₹2 Lakh, ensuring that your loved ones are financially secure in the event of your untimely demise.
A term plan is a type of life insurance that may help protect your family if something happens to you during a set period. The following is how it works:
First, you choose the sum assured and the policy term, then pay regular premiums to keep the plan active. These premium amounts can be paid monthly, quarterly, yearly, or as a single payment.
If you pass away during the policy term, your nominee might receive the sum assured as a lump sum or regular income, depending on what you picked earlier. However, if you survive the term, there is usually no payout.
Moreover, the claim process is simple. Your nominee may need to submit documents such as the death certificate and claim form to the insurer.
In addition, after the documents are checked, the insurer would release the funds as per the policy.
This makes a term insurance plan an affordable option that often helps your family manage their expenses if you are not there.
Nakul, a 30-year-old, non-smoker, healthy male, who is a salaried professional, opts for Tata AIA Sampoorna Raksha Promise (Life Promise Option). He buys the plan online and gets a 10% discount on 1st year premium. Additionally, he gets 8.5% salaried discount on 1st year premium.
AGE
30
1st Year
Life cover of ₹1 Cr from day 1
AGE
50
20th Year
Nominee will get ₹3 Lakh instantly (within 24 hrs)as Instant Claim Payout benefit12
The remaining ₹97 Lakh is paid out at the time of claim settlement.
AGE
60
30th Year
No benefit will be paid and life cover ends.
Rahul, a 35-year-old, non-smoker, healthy male, self-employed professional, opts for Tata AIA Sampoorna Raksha Promise (Life Promise Option). He takes a life cover of ₹1 Cr. along with an Accidental Total and Permanent Disability (ATPD) rider of ₹1 Cr. and a CritiCare Plus (CCP) rider of ₹10 Lakh
AGE
35
1st Year
Life cover of ₹1 Cr. + ₹1 Cr. Accidental Total & Permanent Disability + ₹10 Lakh Critical Illness benefit
AGE
53
18th Year
Rahul gets a lump sum of ₹1 Cr. & Accidental Total and Permanent Disability rider terminates
AGE
60
25th Year
Rahul gets lump sum ₹10 Lakh & CritiCare Plus rider terminates.
AGE
65
30th Year
Nominee will get ₹3 Lakh instantly (within 24 hrs) as Instant Claim Payout benefit12
The remaining ₹97 Lakh is paid out at the time of claim settlement
AGE
75
40th Year
No benefit will be paid and life cover ends
Kavita, a 30-year-old, non-smoker, healthy female, self-employed, expects some benefit in case she survives the policy term and hence opts for Tata AIA Sampoorna Raksha Promise (Life Promise Plus Option). She purchases the policy online and gets a 10% digital discount on 1st year premium.
AGE
30
1st Year
Life cover of ₹1 Cr. from day 1
AGE
50
20th Year
Nominee will get ₹3 Lakh instantly (within 24 hrs) as Instant Claim Payout benefit12
The remaining ₹97 Lakh is paid out at the time of claim settlement
AGE
60
30th Year
Kavita will receive Maturity Benefit of ₹6.49 Lakh & life cover ends.
If you surrender a term life insurance policy, you lose the death benefit. It means your nominee cannot make a claim against the surrendered policy. It is important to carefully consider your insurance and financial needs before surrendering a term insurance policy.
Here are the key term insurance features:
Our best term insurance plans in India are available to policy buyers with a minimum entry age of 18. This means you need not wait for a long time in life to protect yourself financially with our basic term plans.
Our term plans have flexible plan durations. You can protect yourself for the maximum plan term up to 100 years of age14. However, most people prefer a life cover till 60-70 years of age until their financial liabilities are over.
With Tata AIA, you can choose the premium payment mode - Single Pay (pay once), Regular Pay (pay during the entire policy term), and Limited Pay (pay for a defined time). You can also select the premium payment frequency – monthly, quarterly, half-yearly, annually, as per your budget and fund availability.
Our term plan allows you to adjust your plan coverage with your changing insurance needs at different milestones and life stages. With our Life Stage Benefit16, increase life cover at important milestones.
You can choose the mode of death benefit payment depending on the needs of your family. You can opt for a lump sum payment, lump sum + regular monthly payment or the entire sum assured as regular monthly payouts.
You can opt for our comprehensive health riders10 for protection against a wide range of critical illnesses, such as cancer, heart-related ailments, kidney failure, etc.
You can choose to get a maturity benefit with term insurance. Tata AIA term plans, such as Tata AIA Sampoorna Raksha Promise offer 100% of all premiums paid3 as a survival benefit.
The sudden disability or death of the earning member can disrupt their earning capacity. Add-on riders10 with accidental death and disability cover protect the family’s financial stability.
Before buying a term insurance policy, it is important to determine the sum assured your family should receive in your absence and ensure that it covers all their financial needs and emergencies.
Tata AIA Benefit: You can use our online term insurance calculator to understand the coverage you need to protect your family.
The term insurance premium is a regular, long-term amount. You need to assess and account for the same to better structure your budget. Hence, be sure that the amount of the term insurance premiums you choose to pay for your plan ensures sufficient coverage.
Tata AIA Benefit: Our term plan calculator helps you compare plans on the basis of the premium.
While you can purchase a policy as per your eligible age applicable for the product, it is always advisable to get a term plan as early as possible to avail of low term insurance premiums in return for higher insurance coverage for your family
Tata AIA Benefit: You can purchase a term insurance plan as early as from 18 years of age.
If your loved ones need a regular income for a fixed period, you can go ahead with this choice or choose a lump sum payout. Alternatively, you can also choose a combination of a fixed period income and lump sum if it suits your beneficiaries.
Tata AIA Benefit: We offer multiple payout modes - Lump sum / Regular / Lump Sum+Regular: to help you secure your family in the best manner possible.
Consider the claim settlement ratio of the insurance provider, as it determines their ability to settle your claims effectively and on time when the need arises. The higher the claim settlement ratio, the better the chances of your beneficiaries receiving the claim on time.
Tata AIA Benefit: Tata AIA Life Insurance has an Individual Death Claim Settlement Ratio of 99.41% for FY 24–25.
Choose riders10 that offer benefits such as protection against critical illnesses, accidental death and disability, waiver of premium benefits and so on, as per your unique needs for targeted protection against various circumstances.
Tata AIA Benefit: We offer a choice of add-on riders10 for protection to help you enhance your term plan protection.
Always ensure that the sum assured you select for your family’s needs also accounts for the inflation rates over the years. The financial needs your family has today will not be the same after 10 years, and so consider how much more coverage they will need in the future.
Tata AIA Benefit: We offer a Life Stage Benefit16 with our term insurance plans to allow increasing the sum assured at important milestones, such as marriage, birth/adoption of a child, etc.
It is always better to compare term insurance plans and make an informed choice instead of picking the first plan you see. Comparing term policies helps you decide which features and benefits are best suited for your needs.
Tata AIA Benefit: We offer a wide range of term insurance plans, coverage options and protection + wellness combination solutions to suit varied insurance and budget needs. You can compare our plans here.
If you want to understand how to choose the best term insurance plan, you can get some help from your financial advisor or even contact your insurance company for further assistance.
Tata AIA Benefit: We offer round-the-clock assistance with our expert advisors. Book a call today to talk to our expert today.
Read the insurance policy’s terms and conditions. It helps you understand the plan in detail and most importantly, know what the policy does not cover. This can help your beneficiaries avoid any confusion regarding the policy and payouts.
Tata AIA Benefit: Detailed policy literature, including sales brochures, policy bond, etc. is available online and can be accessed for an in-depth understanding. You can also access our vast repository of blogs and other supporting content for a detailed understanding of all products and services.
Choosing the best term insurance period can be confusing for many since insurers offer a flexible policy tenure that starts from 5 years and goes up to several years.
Buying a term plan for a short duration may not be sufficient to cover your financial needs. On the other hand, choosing an unnecessarily prolonged period will make you pay policy premiums beyond your requirements.
Since most people meet their financial obligations by the time they retire, choosing a term plan that ends close to their retirement time is advisable like 60-70 years of age.
When you buy a term insurance plan, you will be asked to name a policy nominee who will be entitled to the policy benefits in case of an unfortunate event. You must also select the term insurance payout option you want for the plan beneficiary. Here are the various payout options you can choose from:
Payout Option |
Description |
Example |
When to Buy |
One-time Lump Sum Payout |
The most straightforward type of payout is the one-time lump sum method. Here, your policy nominee receives the entire sum assured for a death benefit as a single payment. |
If you choose a sum assured of ₹2 Crore and name your spouse as the policy beneficiary, your spouse will receive ₹2 Crore as a single payment under covered situations. |
If you are confident your beneficiaries will be able to manage the single lump sum amount efficiently or may require a significant amount for a major expense, you can opt for this payout option. |
Fixed Monthly Payments |
Under this payout option, your plan beneficiary receives the death benefit as regular payments from the insurer. Here, the sum assured acts as a regular source of income for your family in your absence. |
If you choose a sum assured of ₹2 Crore and opt for a regular payout for 5 years, the sum will be divided into 60 units and paid out monthly. |
Regular payouts are great if you want the death benefit to serve as a monthly income replacement. It is also great if the nominees are young and cannot manage a lump sum amount efficiently. |
One-time Lump Sum + Fixed Monthly Payments |
This option is a combination of the lump sum and regular payment options. Here, the policy nominee receives a part of the sum assured as a lump sum and the remaining as regular payments for a fixed tenure. You can decide how the death benefit is to be bifurcated between the two payment options here. |
You choose a sum assured of ₹2 Crore and opt for a lump sum payment of 50% of the sum assured and the other 50% as a regular monthly payout for 5 years. In this case, ₹1 Crore will be paid out immediately to the beneficiary, and the remaining ₹1 Crore will be paid out over the next 60 months. |
This option is perfect if you have any loans or other major financial liabilities that need to be repaid. The family can use the lump sum payout to clear any debts and then use the monthly payments for regular expenses. |
Term insurance premiums vary for each policyholder based on several factors. Understanding these factors can help you take steps to reduce your premiums.
Age is an important factor in determining term insurance premiums. Younger people tend to have a lower risk compared to older people.
The higher the sum assured, the higher is the cost of covering the policyholder. As a result, a ₹2 Crore term insurance plan will be more expensive than a ₹1 Crore term insurance plan.
Illnesses like cancer and heart ailments can be genetic. The premium can be higher for people with existing medical conditions or with a family history of certain issues to account for the higher risk of claims.
Research has shown that women tend to have a longer average lifespan than men. Therefore, female term policy buyers usually enjoy lower premiums on their term plans as they are likely to pay premiums for a longer period than men.
Term plan premiums are higher for professionals who work in high-risk environments, like construction, mining, and pilots, etc.
People who consume alcohol or smoke have to pay higher term insurance premiums than others because of their negative impact on one’s health.
The premium for longer tenures will be lower than for shorter policy tenures for the same coverage due to the assurance of long-term premium payments.
Sum assured in term insurance is the amount the policy beneficiaries get in case of the policyholder's demise when the policy is active. It is a guaranteed amount decided at the term plan’s inception as a death benefit against the policy.
Getting a sufficient sum assured is crucial when buying term insurance because it is the actual amount your family members will receive from the insurer. Thus, you must ensure that the sum assured is sufficient to cover your family’s continuing and future financial liabilities.
However, remember that the term insurance premium is directly affected by the sum assured. Selecting an unreasonably high sum assured can be a financial burden for you.
Buy a term insurance plan online for the following benefits:
Online term insurance purchase gives you quick access to all policy documents and essential information. You get a clearer picture of the benefits and limitations of your term plan and make a confident buying decision.
You can visit the websites of multiple insurance companies and compare their plans. You can also explore the website of your chosen insurer and check various offerings. This way, you can choose the best term plan that suits your financial goals.
By purchasing term insurance online, you can take advantage of digital discounts offered by insurers, helping you secure high coverage at reduced premiums.
When buying online, you submit all your documents and information directly to the insurer. Moreover, you are actively involved at every step of the purchase process, which helps establish your faith and satisfaction with the insurer.
Buying term insurance online requires less time and effort. You need not visit the insurer’s branch. You can access the website from the comfort of your home, and the entire process is done digitally.
You can choose from quick, secure, and convenient payment options during the purchase. You can also opt for these options while paying your premium based on the mode and frequency you select.
Worried about the term insurance plans cost? Here are a few ways to get affordable term insurance:
As explained, buying term insurance at a young age can help you save significantly on the term insurance cost. With an early purchase, you can get long-term insurance for smaller and regular payments on term insurance.
Smoking can increase your term insurance cost. Therefore, avoid smoking for a healthier life and also to reduce your term plan premiums. Ensure that you disclose it to your insurer if you smoke or have any other health ailments. Providing incorrect or incomplete information can put your family in difficulty when claiming the death benefit on your term policy.
A term plan with a longer duration will require you to pay policy premiums for longer. Therefore, choose the policy term wisely to ensure coverage till you genuinely require it.
A healthy lifestyle can keep diseases and ailments at bay. Since insurers require your medical history and test reports to decide your term insurance premium, a healthier lifestyle will help you get an affordable term policy quote and enjoy a longer, healthier life as a bonus.
The primary purpose of a term plan is to replace your income if you pass away during the policy term. Your nominee receives a tax-free sum assured, ensuring they have financial support to cover essential expenses.
The critical illness and terminal illness rider10 benefits provide financial assistance in case of diagnosis of the covered illness. Thus, your family can focus on your well-being without worrying about the treatment costs.
The payout from a term plan can be used to fund your children's education or other long-term financial goals like buying a home or starting a business. It empowers your family to achieve these aspirations, even in your absence.
Your family can continue their current lifestyle without major disruptions, including covering expenses like groceries, bills, shopping, rent/maintenance, property taxes, investments, insurance premiums, etc.
The term insurance payout can serve as an emergency fund, offering a financial cushion to address unexpected expenses or medical bills that may arise due to unforeseen circumstances.
The payable death benefit of term insurance is exempt from taxation9 under Section 10(10D) of the Income Tax Act, subject to prevailing tax laws. Thus, your family can enjoy a significant payout without worrying about any tax liabilities.
Most importantly, a term life insurance plan provides peace of mind. Knowing that your family is financially protected allows you to focus on your responsibilities and enjoy life without the worry of what might happen to them in your absence.
Buying a term insurance plan is a responsible step, but many people make simple mistakes that affect its value. Avoiding these mistakes may help you choose the best term insurance plan in India for your needs.
Some people choose low coverage to reduce premium costs. However, this cover may not be enough for your family in the long term. You should select a term plan based on your lifestyle, responsibilities, and future needs.
Waiting too long to buy a term life insurance plan increases the cost. Premiums rise with age, and health risks also increase. Buying early helps in securing lower premiums and may also provide full coverage.
Always check the insurer’s claim settlement ratio before choosing a term insurance plan. A low ratio could cause delays or difficulties when your family files a claim.
Many people skip optional riders10 like critical illness or disability cover. These add-ons enhance your term plan and offer more protection during tough times.
Some buyers hide health issues or smoking habits. Giving wrong information can result in claim rejection later. Always provide clear and correct details.
Many buyers go with the first plan they see. It’s important to compare multiple options to choose the best term policy in India. Comparison helps find the best term plans with good coverage and a reasonable premium.
Valid Address Proof |
Valid ID Proof |
Passport |
PAN Card |
Voters ID card |
Passport |
Driving Licence |
Voters ID Card |
Voters ID Card |
Driving Licence |
Masked Aadhar Card |
Job Card issued by NREGA duly signed by an officer of the State Government |
Letter issued by UIDAI |
Masked Aadhar Card |
|
Letter issued by UIDAI |
These are just suggestive documents, and the life insurance company may request additional documentation based on the policy conditions.
Term insurance offers high coverage at low premiums, ensuring financial security for your loved ones.
It’s essential to buy term insurance early to benefit from lower premiums and comprehensive coverage tailored to life stages.
In case of the policyholder’s untimely death, a term plan ensures financial stability for dependents, covering daily expenses, debts, and future goals.
With increasing lifestyle-related risks and lower life quality, term insurance acts as a vital financial safeguard.
Many term plans offer add-ons riders10, such as critical illness riders, ensuring enhanced protection.
The total financial protection or amount payable to your beneficiaries under the term insurance policy in case of the policyholder’s death during the policy term.
The policyholder’s eligibility for insurance coverage, determined based on factors like age, health, occupation, and lifestyle.
The date on which the term insurance policy ends, and any maturity benefits (if applicable), are payable to the policyholder.
The process of appointing a person (nominee) to receive the policy benefits in case of the policyholder's untimely demise.
The amount you pay periodically to maintain your term insurance policy and keep the coverage active.
The amount the policyholder may receive if they choose to terminate the term insurance policy before its maturity date (not typically applicable to pure term plans).
The percentage of claims settled by the insurer against the total death claims received in a financial year indicates the insurer’s reliability.
Additional coverages, such as critical illness or accidental death riders, that can be added to the base term insurance policy for enhanced protection.
The guaranteed amount payable to the nominee in case of the policyholder’s death during the policy term.
The financial payout is provided to the nominee upon the death of the insured during the policy term.
The person whose life is covered under the term insurance policy.
The amount payable (if applicable) to the policyholder if they survive the policy term and the term plan includes a return of premiums feature.
The age at which the policyholder becomes eligible to receive benefits from their term insurance policy.
Our experts are happy to help you!
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