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Tata AIA’s Exclusive
Insurance Platform for
Small & Medium Businesses.


As the owner of a small-to-medium enterprise (SME), your business needs to be secure and protected against any future losses. This not only includes the well-being of your business but also that of your employees as well as their families. With Tata AIA Life Insurance, you can now get tailor-made solutions to protect your small-to-medium business in different ways.

The URJA application by Tata AIA Life Insurance provides unique insurance solutions for SMEs by offering quick digital insurance assistance and access to their business insurance policy details right at their fingertips. Be it working capital loan, employer-employee insurance or keyman insurance, get customisable business insurance solutions for your business!


Securing your business is just as important as securing the future of your family. With keyman insurance, business owners can protect their family, business and employees under a single insurance plan where they can cover financial losses and debts in case of the insured individual’s untimely and unfortunate demise.

  • What is a Keyman Insurance?

    A keyman insurance or keyperson insurance is a type of life insurance solution that protects businesses, their owners and other key stakeholders of the venture. Under keyperson insurance, the insured is a business owner or one of the main stakeholders. Hence, in case of this individual’s untimely demise, keyman insurance covers the future financial losses that the business or the company may have to go through.

    Who should avail of Keyperson Insurance?

    Keyman insurance secures:

    • Business Partners

    • Company Directors

    • CEOs

    • COOs

    • CFOs

    • Other key managerial personnel/employees/decision makers/stakeholders who aid the company’s growth

    How can a Keyperson Insurance benefit your SME?

    Keyman insurance benefits your business in the following ways:

    • Securing your business during uncertain events

    • Insures your business from the start with a small investment

    • Makes your business more credible to potential banks, investors and lenders

    • Helps earn the goodwill of employees and vendors

    • Offers tax benefits3 under Section 37(1) for the policy premiums paid*

    • Financial security for your family if you, as a business owner, are insured.

    Employee insurance is not only important for your business but is also essential for the employees. With affordable premiums, you can secure one or more of your employees!

  • What is Employee Insurance?

    Employee insurance enables employers to protect their employees against uncertainties. The employer purchases the policy on behalf of the employees and pays the policy premiums, which will secure them. These are some of the important features that employee insurance offers to the employees:

    • Offers immediate life cover without a waiting period.

    • Financially secures your family members.

    • Helps build a retirement corpus for the future.

    • Greater security with no premium payments.

    Who should avail Employee Insurance?

    Employee insurance is important for:

    • Sole Proprietors

    • Partnership Firm or LLP Firm

    • Company (Public/Private) Management

    How can Employee Insurance benefit your SME?

    Here is how employee insurance can help your SME:

    • Boost employee motivation & productivity

    • Lead to an increase in employee retention

    • Increases customer satisfaction & investor confidence

    • Easy loans available on investment products bought under Employer Employee to fulfil your working capital needs.

  • What Is Family Protection Business Insurance (Under MWPA)?

    The Family Protection Business Insurance, also known as MWPA insurance, is an ideal insurance solution that helps the insured’s wife and children get undisputed access to the policy benefits at no additional cost. A married man who is a resident of India can purchase a life insurance policy under this Act to protect the financial future of his wife and child/children.

    Who should avail Family Protection Insurance (Under MWPA)?

    Family Protection Insurance (under the MWPA) is important for:

    • Sole Proprietors

    • Business Partners

    • Company Directors

    • Self-employed Professionals

    How can Family Protection Insurance (Under MWPA) benefit your family?

    Family Protection Insurance (Under MWPA) protects your family in the following ways:

    • Gives your wife and children sole and complete rights to the insurance benefits

    • Secures the wife and children’s interests from creditors, parents, siblings, and any court of law among others

    • Protects the family from financial distress like outstanding debt, litigations, family feuds, etc.

Salient features of URJA Digital Application

With the URJA app, you can make the most of the following features:

  • Digital Assistance on URJA

    Know more about your business insurance policy and find out how URJA can help you grow your business with digital solutions.

  • Choice of Insurance Plans

    Choose from keyman insurance, employer-employee insurance, and partnership insurance and protect your family’s interests under the Married Women’s Property Act (MWPA) to get access to the Urja App.

  • Life Cover for Small Group

    With employer-employee insurance, you can offer life insurance coverage for one or more of your employees, securing their lives and their family’s needs.

  • Immediate Access to Policy

    Access your digital insurance policy on the URJA application anytime and from anywhere so that you can always stay connected with your business.

URJA App is your Life Insurance 

partner in your business growth!

Download URJA App

Need assistance in choosing the right plan?

Speak to our financial advisor


TATA AIA Life Insurance Co. Ltd will send you updates on your policy, new products & services, insurance solutions or related information. Select here to opt-in

In this policy, the investment risk in investment portfolio is borne by the policyholder Param Rakshak Plus solution comprises of Tata AIA Life Insurance Smart Sampoorna Raksha, A Unit-linked, Non-participating, Individual Life Insurance Plan for Savings and Protection (UIN:110L156V03), Tata AIA Vitality Protect Plus, A Non-Linked, Non- Participating Individual Health rider (UIN: 110A048V03) and Tata AIA Vitality Health Plus, A Non-linked, Non-participating, Individual Health Rider (UIN: 110A047V02). Tata AIA Life Insurance Smart Sampoorna Raksha is also available individually for sale.


  • 3Income 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.
  • *Sole Proprietors get only 80C benefit as an individual for themselves. They cannot claim section 37(1) benefit for themselves.
  • 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 products are underwritten by Tata AIA Life Insurance Company Ltd.
  • The plans are not a guaranteed issuance plan, and it will be subject to Company’s underwriting and acceptance.
  • L&C/Advt/2023/Aug/2585

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