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    Life Insurance Plans for Women 


    Women take on multiple roles and responsibilities today and become their family’s primary breadwinners. However, when it comes to life insurance, not many are aware of how important it is for women. In unforeseen situations, life insurance for women can eliminate the financial stress a woman’s family may undergo in the woman’s absence.


    Select appropriate category to view plans

    Popular Guaranteed Return Plans


    Grow your wealth with our guaranteed return plans for a fikar-free future and also save on tax9.
     

    Popular Wealth Plans

    Discover Complete Health and Wealth: Our comprehensive plan is designed to take care of your health, wellness, and financial security—all in one, just for you.
     

    In This Policy, The Investment Risk in Investment Portfolio Is Borne by The Policyholder. 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.

     

    Popular Retirement and Pension Plans

    Plan your retirement wisely with a suitable pension plan for peace of mind in your golden years.
     

    Importance of Life Insurance for Women

    • Financial Security

      In case of any unfortunate event, your life insurance plan will pay out a death benefit to your family that will help them sustain their livelihood. This ensures that all their dreams are fulfilled even when you are not around.

    • Long-term Savings

      A life insurance policy helps you save money for your future goals. That way, you need not depend on loans and credit for funding your future financial commitments, such as caring for your parents and children or starting a new venture.

    • Debts and Liabilities

      In case you have unpaid loans and debts, in your absence, the burden of repaying these debts should not fall on your loved ones. The policy cover can protect their life savings by taking care of these loans and debts.

    • Retirement Planning

      As a woman, planning your own retirement gives you greater financial independence to acknowledge your needs at the later years of your life. With adequate financial resources during retirement, you can support your wellbeing and be a support to your family. 

    • Medical Emergencies

      In times of medical emergencies, your life insurance can protect you and your family against critical illnesses, accidental death, disability, etc., if you add the necessary optional riders30 to your insurance plan.

    • Income Tax Benefits

      You can get income tax9 benefits on the premium amount paid and maturity benefits received on your life insurance policy.

    • Types Of Life Insurance for Women

      These are the different types of life insurance plans that should be availed of by women who have different life insurance needs, be it for their personal goals or protecting their family’s interests:

       

      Term Plans

      A term insurance plan is essential for a woman because it offers extensive life cover for her and her family at very affordable premiums than men. Since term plans are easily customizable and come with simple underwriting guidelines, such a policy can help women safeguard their family’s financial interests with ease. Moreover, women lives have a lower premium while applying for Term Insurance.

      In the event an untimely demise during the policy term, a woman can ensure that her family is financially secure, and their goals are fulfilled. For instance, if a working woman whose is a contributor to her family’s income passes away during the policy term, the sum assured of her policy can act as an income replacement.

      The sum assured from a Tata AIA Life Insurance term insurance plan can help fund her children’s education, supplement her spouse’s income and enable her parents to procure senior health assistance. 

      Savings Plans

      Savings plans offer a maturity benefit and a death benefit under the same policy, as applicable. You can choose between a money-back plan or an endowment plan, depending on how you want to save money and receive benefits basis your future goals and your family’s future financial needs.

      Money-back plans are helpful if one needs to fulfil their short-term goals as a survival benefit is paid out at regular intervals during the policy term. And if one survives the policy term, all the premium amount will be paid out as a maturity benefit. Thus, a woman can make other investments with this corpus or utilize the funds for purchasing a dream home, a car, a gift, a vacation, etc. 

      Meanwhile, endowment policies are savings plans that pay out a lump sum benefit on maturity and offer life cover protection to your loved ones. Endowment policies are beneficial for fulfilling long-term goals that need lump sum funding, such as your child’s further education, a new business venture, geriatric care for your parents and so on. 

      When you buy an endowment policy, you can start saving a certain amount of money in the form of premiums each month, quarter or on an annual basis. When it comes to the life cover under the Tata AIA Life Insurance savings plans, in case of your untimely demise before the policy maturity, your family will receive financial assistance in the form of the death benefit sum assured. With Tata AIA Fortune Guarantee Supreme, women insured get a 2% discount on 1st first year premium.

      Unit-Linked Insurance Plan (ULIP)

      A Unit-Linked Insurance Plan or ULIP offers the dual benefit of a life cover and market-linked32 returns under a single policy. As a working woman, one can choose to invest in a range of ULIP funds per their investment goals and tenure and protect their family’s financial future in case of an eventuality.

      With regular investment in her choice of funds, a woman can steadily create investment opportunities to earn market-linked returns on maturity. Moreover, after the mandatory ULIP lock-in period of 5 years, the partial withdrawal facility gives her access to immediate funds that may be used to fulfil any emergency needs.

      Tata AIA Life Insurance wealth creation solutions offer a fund-switching feature wherein you can switch from one fund to another in case you are not satisfied with your current fund performance. This can help you align your investments with your expected returns and make the most of your ULIP.

      Retirement Plans

      Women also need to start planning their retirement in their 30s so that they can lead a financially secure life during their golden years. A retirement plan ensures that women can start saving for their future during their active service years and receive financial benefits when they retire.

      When planning for retirement, it is essential to determine how much life insurance coverage and funds will be necessary for the future. Hence, consider the rate of inflation while planning your retirement. This will also help you select which type of retirement plan is most suitable for your needs.

      Under an immediate annuity, you can invest a lump sum amount in the policy and receive the regular payouts soon after retirement. In contrast, the deferred annuity enables you to get a regular income after a fixed interval. Tata AIA Life Insurance retirement plans offer flexible life insurance coverage on both annuity plan options – an immediate and deferred annuity.

      Tata AIA Life Insurance plans are also flexible regarding including optional riders30 in your life insurance policy. By paying an additional but nominal premium, you can get specific coverage for risks, such as critical illnesses, hospitalisation, accidental death, disability, and much more!


     

    • Why women need life insurance? 

      Financial Safety Net

      Life insurance coverage can secure your family, especially your children or aged parents, in your absence. Instead of borrowing money or taking a loan, the sum assured paid out to them can fulfil all their essential and emergency needs.

      Lower Premiums

      Women policyholders can avail lower premium rates on their Tata AIA Life Insurance policy. This helps them save more money on premiums which can help them boost their other savings and investments.

      Retirement Strategy

      A savings or retirement plan can efficiently help you save for your future and meet your financial commitments without hassles. Tata AIA Life Insurance plans also allow you to choose between a lump sum or a regular income payout.

      Tax Benefits

      You can claim tax9 deductions on the premiums paid on your life insurance policy under Section 80C of the Income Tax Act. Moreover, the death benefit paid out to your beneficiaries in case of your untimely demise will also be tax-exempt under Section 10(10D) of the Income Tax Act.

      Settle Debts

      A life insurance policy can be extremely beneficial if you have unpaid debts and loans. Your family should not have to shoulder the burden of paying off these debts in your absence. The life insurance sum assured can be used to pay off these debts and support your family in need.

    Factors to Consider While Purchasing Life Insurance for Women
     

    • 01

      Your Insurance Needs

      The number of dependents in your family and your financial obligation towards them can help you choose the coverage for your policy. Seek a term plan for greater coverage with affordable premiums, a savings plan for long-term savings, a ULIP for long-term investment goals and retirement insurance plans to save money for your golden years.
    • 02

      Life Stage Needs

      Your financial responsibilities increase at different stages of life, and so should your policy’s coverage. The Tata AIA Life Insurance Life Stage option helps you increase your coverage at important milestones like marriage, childbirth, etc.
    • 03

      Policy Term

      Opt for a plan that enables you to select a policy term as per your needs. You can either fix a tenure of up to 40 years on your policy or go for whole life insurance coverage up to 100 years of age.
    • 04

      Claim Settlement Ratio

      Ensure that your insurer’s claim settlement ratio (CSR) is high, as it is a crucial indicator of efficient claim settlement. With Tata AIA Life Insurance’s Individual Death Claim Settlement Ratio of 99.13% for FY2023-2428, you can opt for any life insurance policy of your choice.
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    Frequently Asked Questions (FAQs) About Life Insurance for Women

    Why should a woman purchase life insurance?

    A life insurance policy is important for everyone, especially for women, since they also take up a major chunk of their personal and financial responsibilities. By purchasing a life insurance policy, a woman can protect her family from financial insecurities that may arise due to her death or an accidental disability.

    How to determine the required life insurance coverage for women?

    A woman can determine her policy's necessary life insurance coverage based on her needs. Calculating the Human Life Value (HLV) is another way of calculating life insurance coverage, wherein one can compute the current value of profits, expenses, debts, and savings. This method can help you determine the amount needed to secure your family’s needs in your absence.

    You can also use any of our Tata AIA Life Insurance calculators to get a fair idea of the premium you need to pay for a desired amount of coverage and adjust the variables accordingly.

    Can a housewife get insurance?

    Since housewives take on a lot of household responsibilities that cannot be computed on a monetary basis, a life insurance plan, such as a term plan, is a must for her. This is because the whole family depends on her to manage the house and the family and plan the finances.

    In her absence, finding help to fulfil these responsibilities requires extensive financial assistance. Hence, homemakers must have a term insurance policy.

    Is it expensive to purchase life insurance for women?

    No, life insurance for women can be quite affordable as Tata AIA Life Insurance offers preferential premium rates for women policyholders.

    Can a homemaker get a life insurance plan?

    Yes, a homemaker can opt for a life insurance plan, such as a term plan that offers extensive life insurance coverage or a savings plan that can help one save a financial corpus for the future.

    What should be the policy term for life insurance for women?

    The policy term for your life insurance policy can be as flexible as you want it to be. Since some Tata AIA Life Insurance plans offer whole life coverage of up to 100 years, you can opt for the same and enjoy uninterrupted coverage for your entire lifetime without the hassle of renewals and new policy purchases.

    What are the tax benefits of purchasing life insurance for women?

    Women can claim tax9 deductions on their policy premiums under Section 80C of the Income Tax Act, while the death benefit paid out on the policyholder’s demise is tax-exempt under Section 10(10D) of the Income Tax Act.

    The maturity benefits on a savings plan, and Unit-Linked Insurance Plan are also eligible for the Section 10(10D) exemption, subject to certain policy terms and conditions.

    How can women save money on their life insurance plan premiums?

    Tata AIA Life Insurance offers lower premium rates to women policyholders. However, you can also save money on your life insurance premiums by using our Tata AIA Life Insurance premium calculator, which helps you choose adequate coverage and pay reasonable premiums.

    Should women consider purchasing a joint life insurance policy with their spouse or have a separate life insurance plan?

    While having a joint life insurance policy with one’s spouse is suitable, women should also have a separate life insurance plan that is customized to suit their individual needs and where they are the primary policyholder. 

    For instance, they can select a sum assured and a policy term of their life insurance plan based on their financial goals that will be different from the coverage and policy tenure of the joint life insurance policy.

    Can women purchase life insurance if they are self-employed?

    Yes, life insurance is accessible to and necessary for self-employed women who want to secure their families from unforeseen financial risks such as debts, other liabilities, and financial emergencies in their absence.

    Can women with pre-existing health conditions purchase life insurance?

    Women with pre-existing health conditions can avail of life insurance policies. However, as per the policy guidelines, there may be a waiting period for the pre-existing disease, after which the policy coverage and benefits will be active.

    It is also necessary to select a life insurance policy that offers coverage for your pre-existing health condition and related conditions to secure yourself and your family against financial uncertainties.

    How do women determine the right life insurance policy for their financial needs?

    Women can pick the right life insurance policy based on their own and their family’s financial needs. For instance, if one only needs pure and extensive life cover for their family’s financial security, a term plan with adequate coverage can be a suitable choice. However, if the woman wants to plan her future savings in advance, a savings plan such as an endowment or money-back policy can be a good option.

    What is the best age to get life insurance?

    The best age for women to get life insurance is in their 20s or 30s, as premiums are lower, however, it's never too late to consider life insurance based on individual needs.

    Disclaimer

    • 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.

    • Tata AIA Sampoorna Raksha Promise - Non-Linked, Non-Participating, pure risk, Individual Life Insurance Product (UIN:110N176V02)

    • Tata AIA Maha Raksha Supreme Select - Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN: 110N171V04)

    • The complete name of Tata AIA Guaranteed Return Insurance Plan is Tata AIA Life Guaranteed Return Insurance Plan - Individual, Non-Linked, Non-Participating, Life Insurance Savings Plan (UIN:110N152V14)

    • The complete name of Tata AIA Fortune Guarantee Plus is Tata AIA Life Insurance Fortune Guarantee Plus - Non-Linked, Non-Participating, Individual Life Insurance Savings Plan (UIN: 110N158V13).

    • Tata AIA Fortune Guarantee Supreme - Individual, Non-Linked, Non-participating, Life Insurance Savings Plan (UIN110N163V09)

    • Tata AIA Pro-Fit comprises of Tata AIA Health Pro, A Non-Participating, Unit-linked, Individual Health Insurance Plan (UIN: 110L180V01), Tata AIA Health Secure Rider, A Non- Participating, Unit Linked, Individual Health rider (UIN: 110A050V01) & Tata AIA VitaHealth, A Non-Participating, Non-Linked Individual Health Product (UIN: 110N181V01). Tata AIA Health Pro and VitaHealth are also available for sale individually.

    •  Param Raksha Life Pro+ is designed for combination of benefits of following individual and separate products named (1) Tata AIA Smart Sampoorna Raksha Supreme Unit Linked, Non-Participating Individual Life Insurance Plan (UIN: 110L179V01) and (2) Tata AIA Vitality Protect Advance - A Non-Linked, Non- Participating Individual Health Product (UIN: 110N178V01).

    • These products are also available for sale individually without the combination offered/ suggested. This benefit illustration is the arithmetic combination and chronological listing of combined benefits of individual products. The customer is advised to refer the detailed sales brochure of respective individual products mentioned herein before concluding sale.

    • The complete name of Tata AIA Fortune Guarantee Pension is Tata AIA Life Insurance Fortune Guarantee Pension (UIN:110N161V09) - A Non-Linked Non-Participating Individual Life Insurance Plan. Multiple options are available in this plan: Immediate Life Annuity, Immediate Life Annuity with Return of Purchase Price, Deferred Life Annuity (GA-I) and with Return of Purchase Price, Deferred Life Annuity (GA-II) and with Return of Purchase Price.

    • The complete name of Tata AIA Saral Pension is Tata AIA Life Insurance Saral Pension (UIN: 110N159V08) - A Single Premium, Non-Linked, Non-Participating, Individual, Immediate Annuity Plan

    • 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 5% salaried discount. For Single Pay, 1% discount will be available for online purchase and salaried discount each. 

    • 5Guaranteed Annual Income (GAI) in the Regular Income option is a percentage of one Annualised Premium while in the Whole Life Income option is a percentage of the Total Premiums Paid

    • 6Tax 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 as per old tax regime. 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.

    • 7Guaranteed Addition (Endowment option) defined as a percentage of GMB shall accrue at a simple rate for each completed policy year, throughout the Policy Term and shall be payable on Maturity or Death whichever is earlier, subject to all due premiums being paid. GA shall accrue @ 5% of GMB 

    • 8Guaranteed Income shall be a fixed percentage of the Annualised Premium / Single Premium (excluding discount) payable in a year. Guaranteed Annual Income as per the chosen Income Frequency shall commence after maturity till the end of the Income Period, irrespective of survival of the life insured(s) during the Income Period.

    • 9Income 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.

    • 10Return of Premium shall be the return of Total Premiums Paid (excluding loading for modal premiums, discount, any extra premium, rider premium and taxes) by the policyholder and shall be payable at the end of the Income Period irrespective of survival of the life insured(s) during the Income Period.

    • 11Guaranteed returns in this plan depends on Age at Entry of life assured, Premium payment term, policy term, premium amount and plan option chosen.

    • 12The current loyalty addition rate on the Sub-wallet will be 4.05% compounding annually. This rate will be reviewed every six months (on 1st April & 1st October every year).

    • 13All funds open for new business which have completed 5 years since inception are rated 4 star or 5 star by Morningstar as of August 2024

    • 14©2024 Morningstar. All rights reserved. The Morningstar name is a registered trademark of Morningstar, Inc. in India and other jurisdictions. The information contained here: (1) includes the proprietary information of Morningstar, Inc. and its affiliates, including, without limitation, Morningstar India Private Limited (“Morningstar”); (2) may not be copied, redistributed or used, by any means, in whole or in part, without the prior, written consent of Morningstar; (3) is not warranted to be complete, accurate or timely; and (4) may be drawn from data published on various dates and procured from various sources and (5) shall not be construed as an offer to buy or sell any security or other investment vehicle. Neither Morningstar, Inc. nor any of its affiliates (including, without limitation, Morningstar) nor any of their officers, directors, employees, associates or agents shall be responsible or liable for any trading decisions, damages or other losses resulting directly or indirectly from the information.

    • 17Under SurgiCash Benefit of the Tata AIA Health Secure Rider, the payouts are offered basis the categories of surgeries: 10% of sum assured up to Rs. 50,000 for day care procedures such as eye cataract, nasal sinus operation, 25% on Category 1 surgeries, like Amputation of foot or hand, 50% on Category 2 surgeries, like knee or hip replacement, 75% on Category 3 surgeries, like Aortic Valve Repair, and 100% on Category 1 surgeries, like CABG. Refer list of surgeries for benefit payouts.

    • 185-year computed NAV for Multi Cap Fund as of Aug 2024. Other funds are also available. Benchmark of this fund is S&P BSE 200.

    • 19Tata AIA Vitality - A Wellness Program that offers you an upfront discount on rider premium at policy inception. You can also earn rider 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.

    • 20The Insured Amount under Term Booster option (in Vitality Protect Advance) is payable on earlier of death or diagnosis of Terminal illness of the Life Insured. Please refer Terms and Conditions for more details.  

    • 22Return of Purchase price means return of all premiums paid excluding any extra premium, any rider premium, taxes and other statutory levies, if applicable 

    • 23Illustrated annuity rate is for joint life where one of the annuitants is 60 years of age while the other is above 69 years and purchase price is 25 Lakh and above for plan type - Joint Life Last Survivor Annuity with Return of 100% of Purchase Price (ROP) on death of the last survivor.

    • 24The word Guaranteed, and Guarantee means the annuity payout is fixed at inception of the policy and will be payable for whole of life or till death of the Annuitant(s).

    • 2577,26,727 families protected till December ’23.

    • 26Retail Sum Assured for FY23 is Rs 4,43,479 Crores.

    • 27As on 03rd April 2024, the company has a total Assets Under Management (AUM) of Rs.100,099.11 Crores

    • 28Individual Death Claim Settlement Ratio is 99.13% for FY 2023 - 24 as per the latest annual audited figures.

    • 29Applicable 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.

    • 30Riders 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.

    • 31Return of premium to nominee on death of annuitant under option - “Life Annuity with Return of 100% of Purchase price” and later of the deaths of two annuitant under option - “Joint Life Last Survivor Annuity with Return of 100% of Purchase Price on death of the last survivor

    • 32Market-linked returns are subject to market risks and terms & conditions of the product. The assumed rate of returns or illustrated amount may not be guaranteed and depends on market fluctuations.

    For ULIP products

    • The fund is managed by Tata AIA Life Insurance Company Ltd. 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.

    • Past performance is not indicative of future performance. Returns are calculated on an absolute basis for a period of less than (or equal to) a year, with reinvestment of dividends (if any).

    • Investments are subject to market risks. The Company does not guarantee any assured returns. The investment income and price may go down as well as up depending on several factors influencing the market.

    • Please make your own independent decision after consulting your financial or other professional advisor.

    • Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & the Unit linked insurance product with Tata AIA /Tata AIA Life Insurance as its prefix is only the name of the Unit Linked Life Insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns.

    • Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. Please know the associated risks and the applicable charges, from your Insurance Agent or Intermediary or Policy Document issued by the Insurance Company.

    • Various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. The underlying Fund's NAV will be affected by interest rates and the performance of the underlying stocks.

    • The performance of the managed portfolios and funds is not guaranteed, and the value may increase or decrease in accordance with the future experience of the managed portfolios and funds.

    • Premium paid in the Unit Linked Life Insurance Policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the Insured is responsible for his/her decisions.

    • Please know the associated risks and the applicable charges, from your insurance agent or the Intermediary or policy document issued by the Insurance Company.

    • 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/3780