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Introduction
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!
Salient features of URJA Digital Application
With the URJA app, you can make the most of the following features:
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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.
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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.
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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.
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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
Benefits
Dreams come in all sizes. And we cover them all.
URJA BENEFITS AT A GLANCE
Protect Your Business
Get keyperson insurance for the business proprietor now and secure the future of your business!
Keyman Insurance protects your business from future liabilities arising from eventualities.
Secure Your Workforce
With just a few clicks, keyperson insurance can cover one or more employees for affordable premiums.
With keyman insurance, your workforce can be more productive and motivated, leading to more business growth and higher retention.
Boost Your Venture
Your personal life insurance policy can help you avail of an instant business loan!
Make the most of low-interest rates to take your business to the next level without the stress of paying high EMIs.
Instant Insurance Quote
Download our ‘URJA’ app and get immediate quotes to cover your employees.
Securing small and medium businesses can now be easily achieved with a few clicks!
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
Insurance Simplified for Business Owners
Getting insurance for your business is important – no matter how small or grand the venture! Here is how you can protect your business against any eventuality:
Keyman
Insurance
Keyperson insurance secures the main stakeholders of a business, such as business partners, directors of a private or public company or key employees to ensure business continuity in case of any eventuality.
Employee
Insurance
Employee insurance secures employees of small and medium-scale businesses to ensure their family’s needs are always met. One or more employees can be insured under this policy.
Family Protection Insurance
(Under the MWP Act)
The Family Protection Insurance can be availed by a married male business owner who wants to secure his wife and children’s financial future by making them the undisputed nominees of the insurance benefits.
Product Descriptions
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.
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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!
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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.
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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.
Disclaimers
- 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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