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People in their 20s can buy 2 crore term insurance at an extremely affordable premium, considering they are in their best health with no health complications.
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₹2 Crore Term Insurance
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A Non-Linked Non-Participating Individual Life Insurance Plan (UIN:110N160V04N)
Table of Content
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What is a 2 Crore Term Insurance Plan? -
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How Does a 2 Crore Term Plan Work? -
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Why Buy 2 Crore Term Insurance? -
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Know More About Our Best Term Insurance Plan for 2 Crores – Tata AIA Sampoorna Raksha Supreme -
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Is ₹2 Crores the Right Coverage Amount for My Term Insurance Plan? -
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Who Should Buy 2 Crore Term Insurance?
What Is a 2 Crore Term Insurance Plan?
A 2 Crore term insurance plan is a term plan that offers ₹2 Crores as its sum assured. The amount is paid to your family in the event of your demise during the term plan's tenure. This payout is also called a death benefit and is fully *tax-exempt under applicable tax laws.
Also Read: What Is Term Insurance?
How Does a 2 Crore Term Plan Work?
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A 2 Crore term insurance policy functions similarly to any other term policy: The sum assured is paid upon the policyholder's death and coverage is offered in exchange for regular premium payments.
The policy will also not offer maturity benefits upon survival – unless you opt for a Return of Premium feature. Moreover, 2 Crore term insurance premiums will stay the same throughout the policy term. At Tata AIA, we also offer whole-life term plan coverage of up to 100 years.
To give you a better idea, let us consider an example to see how 2 Crore term insurance plans work.
Example:
Mr. Rajesh, aged 30, non-smoker, buys a 2 Crore term insurance plan under Tata AIA to secure his family – spouse and dependent child. The policy has a 30-year tenure and is a basic term plan with a sum assured of ₹2 Crore.
The premium for his term plan will be ₹31,386 per year and will remain the same throughout the policy tenure. This amount will be revised on policy renewals.
Now, if Mr. Rajesh dies at any time during the 30-year policy period, his family will get the ₹2 Crore sum assured payout. They will also get to keep the full amount since it is *tax-exempt.
If Mr. Rajesh survives the policy term, he will not get any maturity proceeds and the term plan's coverage will lapse on its expiry.
However, if he opts for a Return of Premium (ROP) feature on policy purchase, he will get a maturity benefit payout on survival.
This benefit will be a return payment on all premiums he had paid towards the 2 Crore term insurance plan during the policy tenure.
Will the ₹2 Crore term Insurance Payouts Be Taxed?
You should note that maturity payouts, unlike death benefits, may or may not be taxed depending on prevailing tax laws. In this case, Mr. Rajesh's ROP maturity payout will be *tax-exempt since his annual 2 Crore term insurance premiums are below ₹5 lakhs.
In cases where annual term plan premiums exceed ₹5 lakhs, Mr. Rajesh will be taxed per his tax slab rate under his chosen tax regime.
Also Read: Term Insurance Tax Benefits Under Section 80C & 80D
Why Buy 2 Crore Term Insurance?
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![Money bag - Claim tax deductions as per applicable tax laws with Term Insurance Policy - Features of Tata AIA Term Insurance Policy]( "Claim tax deductions as per applicable tax laws - Features of Tata AIA Term Insurance Policy")
Financial Stability for Your Loved Ones
2 Crore term insurance offers a high sum assured upon death. This payout amount can be used for anything once received from the insurer. For example, it can clear off existing loans/liabilities, pay for children's higher education, help start a business to earn a livelihood, etc.
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![Clock Icon]( "Choose a whole life coverage insurance plan with coverage up to 100 years of age - Features of a Tata AIA Term Insurance Policy Online")
Wider Coverage at Lower Premiums
Term insurance plans are the most affordable type of life insurance plan. Even at a high sum assured of ₹2 Crores, you can expect pure risk coverage at comparatively lower premiums than other life solutions – even with add-on riders^.
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![Boy with a cap]( "Buy a Tata AIA term insurance plan online as early as 18 years of age - Features of a Term Insurance Policy")
#Tax Benefits
You can claim #tax deductions and exemptions on your 2 Crore term insurance premiums and payout amounts under Sections 80C and 10(10D) of the Income Tax Act, 1961. These can be done every year your policy is in effect and will include deductions for add-on premiums.
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![Flexible Death benefit payout in a term plan can be offered either as a lump sum, a regular income or a combination of both]( "Flexible Death benefit payout in a term plan can be offered either as a lump sum, a regular income or a combination of both")
Better Financial Planning
Since 2 Crore term insurance premiums stay the same throughout the policy term, you know exactly how much money you need to set aside to pay your premiums. Moreover, #tax benefits available under your plan make it a popular and risk-free way to save on your taxes.
All of these benefits and more are available under Tata AIA's Sampoorna Raksha Supreme plans, making the best term insurance plan for 2 Crore.
Know More about our Best Term Insurance Plan for 2 Crores – Tata AIA Sampoorna Raksha Supreme
A Non-Linked Non-Participating Individual Life Insurance Plan (UIN:110N160V04)
Tata AIA
Sampoorna Raksha Supreme
- A comprehensive plan that gives your premiums back**
- Increase life cover at important milestones
- Get financial protection till 100 years^^ of your age.
- Save Income Tax up to 46,800++
- Enhance your protection with optional riders^
Is ₹2 Crores the Right Coverage Amount for My Term Insurance Plan?
Generally, your term insurance sum assured should be 10 times your annual income. Some experts even suggest that it should be 20 times. For a more detailed approach, here are some key factors you consider to determine whether a 2 Crore term insurance is right for you:
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![1 crore term plan with affordable premiums - Features of 1 Crore Term Insurance Plan]( "1 crore term plan with affordable premiums - Features of 1 Crore Term Insurance Plan")
Dependent Family Members and Living Expenses
Your monthly/yearly expenses should give a good idea of how much money your family will need in the future to maintain their current standard of living. List down recurring expenses and other short-term financial obligations for the foreseeable future and subtract any investments to know how much sum assured you need.
Moreover, you also need to secure your dependents. Does your spouse work? Are your children still dependent on you to provide for them? Answering these questions should give you a good idea of who will require the payout amount the most and for how long.
This will also determine how high your sum assured should be since you want the payout amount to last for as long as your family need financial assistance.
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![Simple life cover with no savings or investment components - Features of 1 Crore Term Insurance Plan]( "Simple life cover with no savings or investment components - Features of 1 Crore Term Insurance Plan")
Understand Your Financial Liabilities
Do you have any pre-existing liabilities like loans or debt that still need to be paid off? Or future financial commitments like paying for your child's higher education or marriage? If so, you may want to consider these factors to derive an approximate amount while accounting for inflation.
This estimated amount should be sufficient to clear off the debts and accomplish your secure your family's finances in your absence.
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![Choose to increase your term insurance coverage - Features of 1 Crore Term Insurance Plan]( "Choose to increase your term insurance coverage - Features of 1 Crore Term Insurance Plan")
Your Annual Income and Retirement
When do you plan to retire and do you have enough money saved up for a retirement fund?
Your current annual income will play a huge role in determining your sum assured. If you are young and have fewer financial responsibilities, a term plan with a life stage benefit may be beneficial as it will allow you to increase your sum assured.
On the other hand, if you are older, already have a retirement fund set up and your children are independent, you may not need as high of a sum assured amount.
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![Customer Support executive - Features of 1 Crore Term Insurance Plan]( "Easily boost 1 crore term insurance plan with optional riders - Features of 1 Crore Term Insurance Plan")
Human Life Value (HLV)
This refers to calculating your economic value by considering your future income, liabilities, expenses and investments. To simplify this process, you can use Tata AIA's Human Life Value Calculator to determine your sum assured.
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Account for Inflation
Inflation is a crucial aspect of financial planning. The cost of accomplishing a financial goal will increase with time, based on the inflation rate. Therefore, the payouts from the term insurance plan should be enough to help your family accomplish their financial goals based on future living costs.
Calculate your required funds based on your family's financial goals and revise the amount based on the inflation rate to derive a realistic value.
Also Read: 3 Reasons Why You Must Consider Inflation When You Buy Term Insurance Plan
Who Should Buy 2 Crore Term Insurance?
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![Young individuals in a family who are earning]( "Young individuals in a family who are earning")
![Young individuals in a family who are earning]( "Young individuals in a family who are earning")
Young Individuals
People in their 20s can buy 2 crore term insurance at an extremely affordable premium, considering they are in their best health with no health complications. -
![Parents buy a term insurance plan for 1 crore]( "Parents buy a term insurance plan for 1 crore")
Sole Earning Members
People who are the sole earning members of the family with dependent family members will require financial safety nets. Hence, a 2 Crore term insurance plan can help their family manage the routine expenses in case of any eventualities.![Parents buy a term insurance plan for 1 crore]( "Parents buy a term insurance plan for 1 crore")
Sole Earning Members
People who are the sole earning members of the family with dependent family members will require financial safety nets. Hence, a 2 Crore term insurance plan can help their family manage the routine expenses in case of any eventualities. -
![2 Crore Term Insurance Should be Considered by Bachelors]( "2 Crore Term Insurance Should be Considered by Bachelors")
Young Parents
People with increased family financial commitments, such as repaying loans, paying for their child's higher education, etc., should ensure funds to help their family repay pending loans and accomplish their future commitments.![2 Crore Term Insurance Should be Considered by Bachelors]( "2 Crore Term Insurance Should be Considered by Bachelors")
Young Parents
People with increased family financial commitments, such as repaying loans, paying for their child's higher education, etc., should ensure funds to help their family repay pending loans and accomplish their future commitments. -
![2 Crore Term Insurance Policy for Retired Parents]( "2 Crore Term Insurance Policy for Retired Parents")
Individuals working in Extreme Environments
People working in an environment prone to accidents and fatalities, such as in factories, refineries, etc., should always ensure sufficient financial resources to help their families reduce the financial burden in their absence at any time in their lives.![2 Crore Term Insurance Policy for Retired Parents]( "2 Crore Term Insurance Policy for Retired Parents")
Individuals working in Extreme Environments
People working in an environment prone to accidents and fatalities, such as in factories, refineries, etc., should always ensure sufficient financial resources to help their families reduce the financial burden in their absence at any time in their lives. -
![Understand Your Medical History For Buying 2 Crore Term Insurance]( "Understand Your Medical History For Buying 2 Crore Term Insurance")
Individuals with Medical History
People with a family history of critical or terminal illnesses must financially secure their family members in the event of any eventualities. Therefore, choosing to buy a critical illness rider along with the best term insurance plan for 2 Crore can help pay their medical expenses while also financially securing their loved ones.![Understand Your Medical History For Buying 2 Crore Term Insurance]( "Understand Your Medical History For Buying 2 Crore Term Insurance")
Individuals with Medical History
People with a family history of critical or terminal illnesses must financially secure their family members in the event of any eventualities. Therefore, choosing to buy a critical illness rider along with the best term insurance plan for 2 Crore can help pay their medical expenses while also financially securing their loved ones.
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How to Choose the Best Term Insurance Plan for 2 Crore?
These are some key points to look into before buying a 2 Crore term insurance plan:
Insurance Providers
Not all insurers are the same. The services and plans offered for 2 Crore term insurance plans can be vastly different depending on the insurance company you choose. Always look at the insurer's CSR, reputation and reviews/customer testimonials before buying a plan from them.
Coverage
Evaluate if 2 Crores will be sufficient to secure your family. This can be done by looking into existing liabilities, current living expenses and future financial obligations. While doing so, you should also account for inflation, which is a crucial aspect of financial planning.
Policy term
How long do you need term insurance coverage? Look into what your financial goals are and your current liabilities, if any. This can help you determine the policy tenure and what you need coverage for. If you are still unsure, you can always opt for whole-life coverage with Tata AIA.
Premiums
Although premiums are generally more on the affordable side for term insurance, the prevailing rate will depend on your age, sum assured and policy tenure. The best term insurance plans for 2 Crores will offer affordable premium rates and discounts like preferential rates for women and non-smokers.
To ensure you get a competitive rate, use Tata AIA's term insurance calculator to calculate your 2 Crore term insurance premiums.
Riders
Your 2 Crore term insurance plans must offer rider^ options to help enhance the financial coverage. These can be beneficial for what-if situations like critical illness, accidental death or other unforeseen financial emergencies.
Factors Affecting the 2 Crore Term Insurance Premiums
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Age
This is the first thing insurers look at when you buy term insurance. Younger policyholders are charged lower premiums as they present less risk. This is because the younger you are, the less likely you are to develop health complications or critical illnesses.
Hence, we recommend buying your 2 Crore term insurance plan in your younger years to enjoy lower premiums. -
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Medical History
Your medical history is another important factor that affects the cost of the term insurance plan. For example, if your father has increased blood glucose and blood pressure levels, you are more predisposed to developing the same conditions later in life.
This can increase the death risk, resulting in higher 2 Crore term insurance premiums for you when compared to a person with a family medical history of no health complications. -
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Add-On Riders^
The more riders^ you opt for, the higher your premium rate. Thankfully, these are optional. So, if you want to get add-on covers for your 2 Crore term insurance policy, carefully evaluate the benefits and the cost before adding them to your term plan. -
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Lifestyle
Lifestyle is an important factor determining the premium for term insurance of 2 Crores. For example, smokers are charged higher premiums than non-smokers since they present an increased risk. Therefore, look into cutting down or quitting habits such as smoking, drinking alcohol, etc., before buying a term plan.
In addition, informing the insurer about such habits during inception is important to avoid any future discrepancies, as it can cause problems for your family during death claim settlements.
Calculate Your 2 Crore Term Insurance Premiums
Why Buy 2 Crore Term Insurance from Tata AIA?
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Affordable Premiums
Although the sum assured seems quite large, policy premiums stay affordable. Moreover, your premiums for 2 Crore term insurance will stay the same throughout the policy period. Younger policyholders are also offered lower rates.
Hence, buying a 2 Crore term insurance plan from Tata AIA early in life with a longer tenure or whole life cover when you are in your best health can mean more affordable term plan premiums.
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Flexible Premium Payment Options
We offer our policyholders multiple 2 Crore term insurance premium payment options like monthly/quarterly/half-yearly/annual during the policy term. Moreover, they can also opt for single/limited/regular pay options to ensure maximum payment flexibility.
These options allow you to customise how and when you want to pay your premiums. This way, you are able to make payments when you can, ensuring sustained 2 Crore term insurance coverage at all times.
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Increase Your Coverage
You can choose to increase your policy sum assured amount at different milestones based on increasing commitments such as marriage, the birth of a child or when buying a house.
This increase is done through a percentage amount on your base sum assured to ensure you and your family are can to meet your future financial obligations under your 2 Crore term insurance plan.
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Flexible Payout Options
Your family can receive the death payout as regular income for a fixed period, a lump sum amount or a combination of lump sum and regular income based on the plan options chosen. This ensures they can effectively deal with any financial obligations that arise in your absence.
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*Tax Benefits
Claim #tax deductions in your annual 2 Crore term insurance premium payments under Section 80C of the Income Tax Act, 1961. Moreover, the payout benefits received from your plan will qualify for *tax exemptions under Section 10(10D).
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Add-On Riders^
Increase your base coverage by opting for add-on riders^ under your 2 Crore term plan. These offer additional financial support during your policy term to manage financial emergencies/perils based on specific scenarios – for an additional premium payment.
For example, riders like our term booster under Tata AIA's Vitality wellness programs can help decrease policy premiums every year if they stay healthy and fit when covered under our 2 Crore term plan.
Other add-on covers, like our critical illness rider, can be used to pay for hospitalisation and medical expenses when diagnosed with a critical illness.
In addition, the riders provide flexible features like providing the payout as a regular income for a fixed period, a combination of a lump sum and regular income or a lump sum, etc.
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Frequently Asked Questions
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What are the eligibility criteria for purchasing 2 crore term insurance?
Generally, you must be at least 18 years of age to buy 2 Crore term insurance. Most term plans have an entry age between 18 - 65 years; this will vary across insures.
At what age should I buy 2 crore term insurance?
Generally, it is recommended to get one in your younger years since you will get lower premium rates. However, term plans are not restricted to people in their 20s. You can buy a 2 Crore term insurance plan at any life stage!
At Tata AIA, we offer term plans with life-stage benefits and whole-life covers to ensure you always stay protected.
What happens if I outlive the policy tenure?
Basic term plans do not offer any survival benefits. That means you will not get any payments if you outlive your policy term. However, if you buy term insurance with a return of premium (TROP), you will receive a refund of the premiums paid as the maturity benefit on survival.
Can I buy 2 crore term insurance online?
Yes, you can purchase the 2 crore term insurance plan online by registering with any online insurer after providing the required details and uploading the necessary documents. For example, you can buy 2 crore term insurance on Tata AIA's website in just a few clicks!
How can I buy 2 crore term insurance?
You can buy a 2 crore term insurance policy from any IRDAI-approved life insurance provider. This can be online or in person, depending on the insurer. We recommend going for online insurers like us to save on time and paperwork.
What is the free-look period for Tata AIA's 2 crore term insurance?
We offer a free-look period of 15 days for offline policy purchases and 30 days for online purchases for our 2 Crore term insurance plans.
Can I buy more than one term insurance plan?
Yes, you can buy and own more than one term plan. However, this can get expensive since you will be paying premiums for multiple term plans. We recommend going to term plans with a life cover if you are not sure how long you will need coverage for or a life stage benefit if you do not know how much coverage you will need in the future.
Who cannot buy 2 Crore term insurance?
Individuals who do not pass the eligibility criteria will not be able to buy 2 Crore term insurance. For example, these can be people under 18 years or over 65 years. Moreover, while insurers cannot reject life insurance applications, they are allowed to reject applications on grounds of fraud or malpractice.
Insurers will also assess your annual income and current health condition to determine your eligibility for a chosen plan.
How many years is best for 2 Crore term insurance?
You must decide your 2 Crore term insurance tenure based on your financial obligations and the timelines to fulfil them. For example, if you have a home loan, need to pay for your child's higher education, provide funds for routine expenses, etc., all of these things will have their own timelines. Hence, we recommend assessing these factors first.
Term policies generally last around 5 - 40 years. Some term plans like Tata AIA's Sampoorna Raksha Supreme offer whole-life coverage for up to 100 years.
Is it necessary to purchase a term insurance rider?
No, they are fully optional. Term insurance riders^ can be added to your 2 Crore term insurance plan on policy purchase or anniversary to increase your base plan coverage. Riders^ increase your overall premiums, so only pick ones you are sure you will need.
What is not covered in 2 Crore term insurance?
Generally, 2 Crore term insurance will not cover death due to suicide or self-harm (within the first policy year) and deaths that result from breaches of law, as it is considered a violation of policy terms.
What is the premium for a 2 Crore term insurance?
Your 2 Crore term insurance premiums will be based on factors such as age, gender, lifestyle, policy tenure, type of term insurance, etc. To get more accurate estimates, use our term insurance calculator.
Do premiums for term insurance plans change during the policy tenure?
No! Once you have purchased the policy and the policy has been issued, the term insurance premium will not change during the policy tenure. However, the GST component may be subject to change as per the prevailing laws.
Can I pay my 2 Crore term plan premiums monthly?
Yes, with Tata AIA, you get flexible premium payment options where you can choose to pay your premiums monthly/quarterly/half-yearly/annually. Your payment frequency can also be changed in the future by logging into your Online Policy A/C' to make the required changes.
What documents are needed while filing a death claim settlement under a 2 Crore term insurance plan?
You will need three main documents, which will be the claims form (filled and signed), the policy certificate and the policyholder's death certificate. If you want to know the complete list of documents needed, please visit our claims settlement page.
What is the process for filing a claim for a 2 Crore term plan?
You can file a claim under your 2 Crore term insurance through any of the following methods:
Register a claim online on our website
Send us an email at: customercare@tataaia.com
Call our helpline number – 1860-266-9966 (local charges apply)
Visit any of our Tata AIA Life Insurance Company on-site offices
Write directly to us at:
The Claims Department,
Tata AIA Life Insurance Company Limited
B- Wing, 9th Floor,
I-Think Techno Campus,
Behind TCS, Pokhran Road No.2,
Close to Eastern Express Highway,
Thane (West) 400 607.
IRDA Regn. No. 110
What are the different term plan claims that can be filed for a 2 Crore term insurance policy?
You can file the following claims with Tata AIA under your 2 Crore term insurance plans: Death claim settlements and maturity Claims (for TROP plans). Other claims you can file if you have opted for specific add-ons include:
Cashless and reimbursement claim (for medical expenses).
Hospitalisation and dismemberment claim.
Critical illness diagnosis claims.
Accidental death and permanent disability claims.
Disclaimer
The complete name of Tata AIA Sampoorna Raksha Supreme is Tata AIA Life Insurance Sampoorna Raksha Supreme (UIN:110N160V04) - A Non-Linked Non-Participating Individual Life Insurance Plan
**Under Life Plus Option, an amount equal to the 105% 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.
^^Applicable for specific plan options. Please refer brochure for additional details.
^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:110B033V03 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:110B046V02), Tata AIA Vitality Health (A Non-Linked, Non- Participating Individual Health rider (UIN:110B045V02) 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.
#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.
*Tax: Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfilment 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 implications mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefits available to you.
++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.
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.
This publication is for general circulation only. This document is for information and illustrative purposes only and does not purport to any financial or investment services and do not offer or form part of any offer or recommendation. This document is not and should not be regarded as investment advice or as a recommendation regarding any particular security or course of action.
Please know the associated risks and the applicable charges, from your insurance agent or the Intermediary or policy document issued by the insurance company and this document is not and should not be regarded as investment advice or as a recommendation regarding any particular security or course of action.
L&C/Advt/2024/Jan/0145
