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40 Year Term Life Insurance

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Life is a beautiful journey filled with dreams, aspirations, and milestones—from embarking on a career to nurturing a family, building a home, and planning for comfortable golden years. A insurance plan from TATA AIA with a 40-year term offers you an extended safety net across these milestones, ensuring your loved ones remain financially secure for decades to come.

With four decades of coverage, this plan is designed to protect your family through the most significant stages of life, giving you the confidence to chase your goals without worrying about life’s uncertainties.

What Is a 40-Year Term Insurance Plan?

A 40-year term insurance plan is a long-term policy that guarantees a payout to your nominee if you, the policyholder, experience an untimely demise during the term insurance policy term. By choosing this extended tenure, you safeguard your loved ones through various life events—right from your early working years to the cusp of retirement.

Our Best Selling Term Insurance Plans

Tata AIA

Sampoorna Raksha Promise

Key benefits:

Get ₹ 1 Cr Life Cover at ₹ 502/month*
Upto 15% discount on first year premium^
Get 100% premium back^~

Calculate Premium Know More

Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN:110N176V04)

Tata AIA

Maha Raksha Supreme Select

Key benefits:

Get ₹ 2 Cr Life Cover at ₹ 9813/month^##
Enhance protection with Education Secure for your children
Upto 15% discount on first year premium^

Calculate Premium Know More

Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN: 110N171V07).

Key aspects of a 40-year term insurance plan include:

Longer Coverage: Up to 40 years of protection, securing your family when they need it most.

Fixed premiums : Lock in an affordable premium rate at the start, ensuring cost-effectiveness over the long run.

Simplified Protection: Focus on a pure life cover without combining it with investment components.

Why Opt for a 40-Year Term Plan?

Extended Financial Cushion:Covers a substantial part of your working life, ensuring your loved ones have financial support if something unexpected happens.
Stable Premiums: Avoid premium hikes by fixing your rates early; this can translate into significant savings over 40 years.
Coverage for Major Milestones: Whether it’s children’s education, home loans, or planning for retirement, a lengthy term ensures continued protection across life’s stages.
Peace of Mind: Concentrate on your aspirations, knowing your family’s financial future is safeguarded for the long haul.

Key Features of 40-Year Term Insurance

High Sum Assured: .Choose coverage that aligns with your goals and the needs of your growing family.

Rider Add-Ons: .Enhance your policy with riders like critical illness, accidental death, or waiver of premium, offering holistic protection.

Flexible Premium Payment: Opt for monthly, quarterly, half-yearly, or annual premium payments to match your cash flow and preferences.

Tax Benefits: Enjoy tax deductions on premiums paid, as well as tax-free death benefits under current laws.

Hassle-Free Process: Apply online or through our dedicated customer support, with minimal paperwork and quick issuance.

Benefits of 40-Year Term Insurance

Comprehensive Coverage Through Life Stages

Stay covered during critical financial commitments like child-rearing, mortgages, and retirement planning.

Secured Future for Dependents

In case of an unforeseen event, your family can maintain their lifestyle and fulfil essential goals without financial strain.

Customisable Protection

Tailor your plan by adding riders, ensuring coverage is as unique as your family’s needs.

Long-Term Savings

Locking in premiums at a younger age can result in significant savings over the policy’s duration.

Why Choose TATA AIA for Your 40-Year Term Plan?

Trusted Legacy

Part of the esteemed TATA group, we bring decades of experience and customer-focused innovations to all our offerings.

High Claim Settlement Ratio

Our track record of swift and fair claim settlements underscores our commitment to safeguarding your family’s future.

Transparent Policies

Clear documentation and open communication ensure you understand every aspect of your coverage.

Secure Your Future with TATA AIA

Opting for a 40-year term insurance plan is a long-term commitment that lays the foundation for your family’s financial well-being, spanning decades of life’s milestones. At TATA AIA, we’re dedicated to helping you protect what truly matters—your family’s future.

Ready to protect your loved ones for the long haul?

Reach out to us today or explore our online platform to find the 40-year term insurance plan that best meets your needs. Embrace life’s journey with confidence, knowing that TATA AIA stands beside you, committed to your family’s security every step of the way.

Tata AIA Sampoorna Raksha Promise - Non-Linked, Non-Participating, pure risk, Individual Life Insurance Product (UIN:110N176V04)
Tata AIA Maha Raksha Supreme Select - Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN: 110N171V07)
^*Illustrated 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.
⁺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.
14This product offers first year digital discount of 10% and first year Salaried discount of 5% for Limited Pay/Regular Pay. For Single Pay, 1% digital discount and 1% salaried discount will be provided in the first yearr
^#Illustrated Premium is the monthly premium excluding taxes for 20 yr. old female, Standard Life, Non-Smoker for 2 Cr. Sum Assured with Policy Term of 15 yrs. (Regular Pay) with Life Secure plan option. Please refer Benefit Illustration for more details. 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
²Individual Death Claim Settlement Ratio is 99.13% for FY 2023-24 as per the latest annual audited figures.
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.
In case of POS variant, the product is available with/without medical underwriting as per BAUP (Board Approved Underwriting Policy).
Premium will vary depending on the option chosen
L&C/Advt/2025/Mar/1098