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4.4 
Rated by 48,324 customers
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
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Tata AIA Sampoorna Raksha Promise - Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN:110N176V05)
₹1 Crore Term Insurance is a pure risk term insurance policy that offers an extensive life cover of ₹1 Crore at an affordable premium. One of the key features of the ₹1 crore insurance policy is that the extensive cover is available at an affordable premium. For instance, the monthly premium for a ₹1 Cr term insurance for a 20-year-old female for 20 years with a regular premium payment option under our Tata AIA Sampoorna Raksha Promise Life Option is ₹501/month*.
Having life insurance is what gives you complete peace of mind, knowing that your family will be protected when you are not around to tend to their needs. This is true, especially for term insurance, which offers protection in the form of a pure life cover. When you opt for a higher sum assured, you can ensure more coverage for your loved ones!
When you buy a 1 crore term insurance plan, you can choose a policy tenure for which you want to be covered. The 1 crore life insurance plan provides the
death benefit of up to ₹ 1 crore to your nominees in the event of your unexpected death during the policy tenure.
It can help them pay for their routine expenses, clear off debts, secure funds for their future financial objectives, etc.
Unlike traditional life insurance plans, term insurance does not mess around with investments or savings. It is straight-up protection. Low Premiums: Since it is a pure life cover, you pay much less compared to other policies. More cover, less cost. Simple math.
Life’s a rollercoaster—fun, fast, and sometimes terrifying.
Unpredictability Proof: This plan ensures that your family does not have to downgrade their lifestyle if you are not around.
Covers Everything: From daily expenses and groceries to kids' education and future dreams—1 Crore can handle it all.
Debts can eat a large chunk of your savings. Clearing it is critical.
Debt-Free Future: Whether it is a home loan, personal loan, or that flashy car loan, a 1 Crore payout can wipe them clean.
No Financial Baggage: Your family gets the money, not the stress of monthly payments.
It is like ordering pizza. The base is good, but the toppings make it great.
Critical Illness Rider: Diagnosed with a serious illness? This rider gives you a lump sum amount to cover medical costs.
Accidental Death Benefit Rider: Life happens. If an accident takes you away, this rider adds an extra payout for your family.
Waiver of Premium Rider: Hit by a disability or illness? Your policy stays active without you paying another penny.
Section 80C: Get deductions on your premium payments—up to INR 1.5 lakh per year.
Section 10(10D): The payout your family receives is tax-free. So, they get the full amount without the tax system taking a bite.
The term plan can offer an extensive life cover of up to ₹ 1 crore for the chosen policy tenure.
Despite offering such extensive coverage, a 1 crore term plan can have quite affordable premiums if you select a reasonably long policy term. It means you can not only protect your family with better coverage but also avoid paying higher premiums to avail of this coverage.
You can decide on the 1 cr life insurance policy tenure based on the requirements of your dependent family member and your future money goals.
Term insurance plans are designed to protect your loved ones from life’s uncertainties at different stages in your life. With a 1 crore term insurance cover, you can increase your coverage at different life stages to ensure better protection for your family members.
The 1 crore term insurance plan provides flexible features to customise the policy based on your financial needs. For instance, you can choose the premium payment options and the payout options.
Furthermore, you can determine a convenient premium payment frequency for the limited and regular premium payment methods, such as monthly, quarterly, semi-annually, or annually.
The simple life cover of a term insurance plan can be easily boosted with optional riders^ that protect you against critical illnesses, major and minor illnesses and injuries, accidental death and disability, hospitalisation, and many other risks. These riders can be added to your term plan for an extra nominal premium.
You can get insured in the 1 cr term insurance policy for a long term, such as 10 to 40 years. The longer the term insurance policy period, the more affordable the 1 crore term insurance premium.
You can choose to receive the premiums paid for the 1 crore insurance policy as a maturity benefit at the end of the policy tenure by availing of the return of premium option.
A 1 crore term policy offers a simple life cover with no savings or investment components. All you need to do is select a suitable policy option, pay timely premiums, and ensure life cover protection for your family. Furthermore, you can purchase the term insurance plan online in a few simple steps.
Our experts are happy to help you!
Our experts are happy to help you!
When choosing a 1 crore insurance policy, always check the claim settlement ratio of the insurance provider. This factor is crucial as it indicates the number of claims settled by the insurer compared to the number of claims filed by customers during a financial year.
Tata AIA Life Insurance has constantly upheld its promise of protection and on-time claim settlement. Tata AIA Life Insurance reported a 99.13% individual death Claim Settlement Ratio for FY 23-242.
If your insurance provider cannot settle your claims, the problem could be their solvency ratio, which refers to their financial capacity to pay the claims. Look for a high solvency ratio, indicating the company’s financial strength and ability to settle your claim entirely.
Add-on rider^ options provide additional financial protection in case of specific scenarios during the policy tenure. For instance, the rider^ for the waiver of premium benefits waives future premiums if you suffered a total or permanent disability in an accident.
Similarly, riders^ can offer additional financial protection for critical illnesses, terminal illnesses, accidental death and dismemberment, etc.
At Tata AIA Life Insurance, we offer traditional rider^ options such as the Tata AIA Non-Linked Comprehensive Protection Rider, Tata AIA Non-Linked Comprehensive Health Rider, Tata AIA Vitality Health, etc..
1 crore term insurance plans must be flexible to customise based on your financial needs. Look for flexible features to help you pay premiums conveniently, increase coverage based on your needs, and choose between varied payout options.
In addition, 1 crore term insurance plans can also provide in-built privileges, such as the in-built critical illness cover, terminal illness cover, etc. Term plans with in-built privileges provide enhanced protection at an affordable premium for the long term.
At Tata AIA Life Insurance, we offer the below riders with our Term Insurance plan.
At Tata AIA Life Insurance, we offer the below riders with our Term Insurance plan.
A Non-Linked, Non- Participating Individual Health rider (UIN: 110B045V03)
A Non-Linked, Non- Participating Individual Health rider (UIN: 110B046V04)
A Non-Linked, Non- Participating Individual Health Rider (UIN:110B033V04)
A Non-Linked, Non- Participating Individual Health Rider (UIN:110B033V04)
Choose the term insurance policy term for as long as you need to protect your family. Ensure that the plan can offer coverage when you most need it and until you can comfortably pay all the premiums on time.
Research and find 1 crore insurance policy options that can suffice for your financial requirements based on their features and eligibility criteria.
Analyse the chosen options and compare them based on their features, benefits, and premium rates to decide on the best term insurance plan for 1 crore for your financial needs.
Determining the claim settlement ratio is crucial to ensuring the life cover benefits when your family is in utmost need of it in your absence. We at Tata AIA Life Insurance have registered a death claim settlement ratio of 99.13% for the FY 2023-242.
Customise the term plan for 1 crore by choosing a suitable premium payment option, premium payment mode, payout option, etc., to ensure it meets your financial conditions and requirements.
Choosing a convenient premium payment mode, monthly, half-yearly, or annual, is crucial to staying insured for the entire policy tenure.
Riders^ provide additional financial benefits to enhance coverage during specific scenarios. For example, the rider^ for the accidental death benefit provides additional funds if the death is due to an unexpected accident during the policy tenure.
Upon deciding on the term insurance policy option and customising it to your needs, you can calculate the premium. Ensure to find an affordable premium for the entire policy tenure.
You can utilise our Tata AIA Life Insurance Term Plan Calculator to determine the sum assured and the affordable premium to make a well-informed financial decision.
With the Tata AIA Life Insurance 1 crore term insurance plan, you can ensure extensive life cover while keeping the premiums affordable for the longer policy term.
With the Tata AIA Life Insurance Sampoorna Raksha Promise plan, you can fix the premiums for the entire policy tenure. Therefore, if you purchase it at a younger age, you can avail of lower premiums and fix it for the entire policy tenure.
Our 1 crore term insurance plans are designed to cover your family against the threat of financial uncertainties and emergencies in your absence to focus on their financial independence.
With Tata AIA Life Insurance Term Insurance plans, you can increase the life cover at important milestones~ in your life, such as after getting married, the birth of your child, the purchase of a new house, etc.
If you purchase term insurance at a younger age, you can benefit from fixed premiums that remain affordable throughout the policy term.
You can easily purchase our 1 crore insurance policy swiftly and conveniently online at our Tata AIA Life Insurance official website.
Although term insurance plans offer life cover protection for a specific term, you can enjoy whole life cover, i.e., cover till 100 years of age, with our 1 crore term insurance policy.
You can get tax benefits under Sections 80C and 10(10D) of the Income Tax Act for the term insurance policy premiums paid and death benefits received.
With our Express Claims service, the beneficiary can initiate the claim process online and submit the necessary documents with us. We will initiate the claim process and ensure that the claim amount is received within 4 hours1.
1T&C apply.
If you are the only earning person in your family, a 1 crore term insurance cover is essential for protecting your family in your absence.
The coverage of such a term plan can give them adequate financial support to manage their routine expenses, plan for their future financial commitments, pay for clearing off debts, etc.
Young parents should consider purchasing the term plan 1 crore to secure their children's financial future.
In case of your unexpected demise, the lump sum death benefit can be utilised to pay for your child's education, plan for their marriage, or help them achieve their financial goals. Click here to learn more about why every parent needs to have a term policy.
When you get married, you are bound to face increased financial responsibilities. A 1 crore term insurance plan can provide financial protection for your spouse in your absence to help them lead a financially independent life. Click here to learn why it is essential for both spouses to have life insurance.
Availing a home loan and repaying it is a challenging financial responsibility. It can become a major expense, increasing your family's financial burden in your absence. A term plan for 1 crore will help your family repay the outstanding loan amount and relieve them from the compelling financial commitments.
If you have availed of an education loan, the responsibility of repaying it can become a burden for your family in the event of your unexpected death.
The 1 crore term insurance provides extensive coverage to help them repay the outstanding education loan and reduce their financial stress.
Starting and running a new business can compel you to borrow money or avail of loans to manage the expenses. Repaying the loans and other debts can be financially stressful for your family in your unexpected sudden demise.
The 1 crore term insurance policy provides sufficient financial protection to help them repay their debts and lead a peaceful life.
Term insurance coverage can be as extensive and comprehensive as you want for your financial security. The life cover should be able to protect you and your family from financial uncertainties.
Opting for a 1 crore term insurance policy can be beneficial for the following reasons.
While a 1 cr insurance policy offers extensive coverage, you can still enjoy the benefits of the same at very reasonable premiums. It can ensure you stay insured for the long term to secure your family's future. Furthermore, when you purchase it at an early age, you can benefit from even more affordable premiums for the entire policy tenure.
Family financial commitments keep increasing with age. You will have to secure funds to manage a routine life, repay loans, clear off debts, pay for your child's education, etc. With extensive cover, such as the 1 cr term insurance plan, you can conveniently handle such wide-ranging financial commitments at an affordable premium.
The premiums you pay towards the policy will remain stable and locked in once you buy the 1 crore term insurance plan. By purchasing a term plan early on in life, you can lock in highly affordable premiums, even though the coverage may be as high as 1 crore.
To determine the right coverage amount, first you need to understand the factors to consider and then the calculation process
Age and income are important factors that help determine the right coverage amount. For example if you are young and have fewer responsibilities, you can start with a coverage amount, which you can increase as your financial obligations increase.
Or you can opt for a more extensive cover at a young age, for a longer tenure, thereby locking in low-term insurance premium payments.
Term life insurance offers an extensive life cover that different people may utilise for various needs. While someone may want to ensure the future financial stability of their family, another may want to protect their loved ones from the financial impact of unpaid debts
Hence, identifying why you and your family need a certain amount of coverage can help you plan an appropriate term insurance amount
Not all families have the same financial needs and commitments, and therefore, a term plan cannot serve the same purpose for everyone.
Term insurance is flexible and can be suited for those with different needs. If there are financial requirements unique to your family, the term insurance plan should be selected accordingly
Always consider the needs of all your family members before getting the term insurance policy.
If you have financial liabilities such as ongoing EMIs and unpaid debts, having a term insurance plan with adequate coverage can help you keep your family safe from the impact of these obligations in your absence.
Also, remember to consider any health conditions that can lead to hospitalisation. You can also add health riders^ to your term plan and enhance the coverage in case there is a need to meet medical expenses.
You can calculate the exact coverage required based on the following methods:
If income is the only source of financial requirement that will suffice for your family’s financial needs, you can consider the income replacement method.
You can calculate it by multiplying your annual income and the number of years to retirement.
In the Human Life Value method, you will consider your income, expenses, liabilities, future financial goals, savings, and investments.
You can derive the required coverage by adding your current annual expenses, funds required to accomplish future financial goals, and funds required to pay for your liabilities and subtracting your savings and investments from this sum.
You can utilise our Tata AIA Life Insurance Human Value Calculator to make this calculation simple and easy for you.
If determining the required coverage is challenging with these methods, you can find an approximate value based on the general thumb rule. The general thumb rule is 10 times your annual income.
However, if you are purchasing the term insurance at a younger age, you can consider it as 14-15 times your annual income, and at an older age, you can consider it as 7-8 times your annual income
A savings plan calculator enables you to calculate the premiums you need to pay to avail of life insurance coverage for yourself and your family and build a long-term savings corpus during the policy tenure.
A retirement plan calculator lets you understand how much regular income or benefit you can get during your retirement years based on the policy you choose and the amount you save in the policy.
A Unit-Linked Insurance Plan calculator enables you to know the returns you can receive on your policy and the premium amount you need to pay for the life insurance cover as well as investment.
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Tata AIA Sampoorna Raksha Promise - Non-Linked, Non-Participating, pure risk, Individual Life Insurance Product (UIN:110N176V05)
*Illustrated premium of ₹608 is the monthly premium excluding taxes for a 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 and ₹501 is for the same modal point with first year premium discount of 10% for digital purchase and 8.5% for 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.
**Under 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.
#Income 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.
^Rider is not mandatory and is 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/ branch.
Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider (UIN:110B033V04 or any other later version) - A Non-Linked, Non- Participating Individual Health Rider, Tata AIA Life Insurance Non-Linked Comprehensive Health Rider (UIN: 110B031V03 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:110B046V04), Tata AIA Vitality Health (A Non-Linked, Non- Participating Individual Health rider (UIN:110B045V03) are available under this plan
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
+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.
1This includes first year digital discount of 10% for Limited Pay/Regular Pay and 8.5% salaried discount. For Single Pay, 1% discount will be available for online purchase and salaried discount each.
2Individual Death Claim Settlement Ratio is 99.13% for FY 2023 - 24 as per the latest annual audited figures.
4With this feature, instant death benefit of INR 3 Lakh from the Sum Assured will be paid within 1 working day from the claim registration date. This feature is applicable only after a waiting period of 3 policy years from the policy inception or revival of the policy and provided the policy is in force. The remaining sum assured shall be payable post the completion of the claim investigation. Further, in case of any discrepancy in the claim investigation resulting in the final decision of non-payment of the claim, the company reserves the right to recover the already paid amount. The acceleration of instant claim should not be construed/interpreted as acceptance of the claim.
5With FlexiPay Benefit, policyholder is allowed to defer the due premium for a period of 12 months while maintaining the full risk cover under the base plan and attached riders. At the end of Premium Deferment period, the policyholder is required to pay the due premiums, including the premium applicable for the period of Premium Deferment, i.e. the base cover premium and additional premium (if any). | This benefit shall be available for multiple times with a gap of 5 policy years from the expiry date of previous Premium Deferment. The option can be exercised only after payment of 5 full years premium. | No interest shall be levied on the premium due during the Premium Deferment period. If the premiums due are not paid within the grace period after expiry of the Premium Deferment, the Policy (including Rider(s), if any) shall lapse and no benefits shall be payable in the Policy or the Rider(s), if any) and company shall be entitled to recover the same from any amounts or This benefit payable under the Policy or Rider(s).
6Under 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.
7Not applicable under PoS, please refer sales brochure for more information
8This product offers first year discount of 8.5% for Limited Pay/Regular Pay and 1% for Single Pay to salaried customers.
9This includes first year digital discount of 10% for Limited Pay/Regular Pay and 8.5% salaried discount. For Single Pay, 1% discount will be available for online purchase and salaried discount each.
10This product offers an additional first year premium discount of 2% for Limited/Regular Pay and 0.5% for Single Pay on reaching any one of the below mentioned life milestones
Marriage - if policy is purchased within 6 months before or after the date of marriage
Childbirth/adoption - if policy is purchased within 6 months before or after the birth/adoption date
First job - if policy is purchased within next 6 months of the joining date
Home loan - if policy is purchased within next 6 months of the loan getting sanctioned
Such discount is capped to a maximum of Rs. 500 over the year
11Income 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.
12Tax 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.
13Earn flat 5% Tata NeuCoins on insurance premium payment for Limited/Regular Pay policies, applicable for the 1st year. For Single Pay policies, 0.5% of premium can be earned as NeuCoins. There’s no capping on the maximum amount that can be earned. Benefits will reflect in your Tata Neu wallet 30 days after policy issuance. These points can be used to shop on Tata Neu across various categories like fashion, electronics and groceries.
This plan offers pure risk premium option under Life Option and return of premium benefit under Life Plus Option along with other benefits. Please refer sales brochure for complete details.
This product is underwritten by Tata AIA Life Insurance Company Ltd. This 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.
In case of sub-standard lives, extra premiums will be charged as per our underwriting guidelines.
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, extra premiums will be charged as per our underwriting guidelines.
Rider is not mandatory and is 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/ branch.
This plan is not a guaranteed issuance plan, and it will be subject to Company’s underwriting and acceptance.
For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale.
Premium will vary depending on the option chosen
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 POS variant, the product is available with/without medical underwriting as per BAUP (Board Approved Underwriting Policy
L&C/Advt/2025/Apr/1927
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