50 Lakh Term Insurance

50 lakh term insurance plan offers life cover of ₹ 50 lakh, providing financial security to your dependents if you pass away during the policy Read more term. It gives financial security to the nominee of the policyholder upon the untimely death of the policyholder during the policy term. ₹ 50 lakh death benefit provides financial security to your family and helps them manage their expenses and needs in your absence. A ₹50 lakh term insurance policy provides substantial life cover for a relatively low premium, particularly when purchased at an early age.. Read less

50 lakh term insurance plan offers life cover of ₹ 50 lakh, providing financial Read more security to your dependents if you pass away during the policy term. It gives financial security to the nominee of the policyholder upon the untimely death of the policyholder during the policy term. ₹ 50 lakh death benefit provides financial security to your family and helps them manage their expenses and needs in your absence. A ₹50 lakh term insurance policy provides substantial life cover for a relatively low premium, particularly when purchased at an early age. Read less

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    Get Life Cover of ₹1 Crore by paying a premium of

    ₹7,085/month (for 30 years) 

    ₹8,287

    savingSave ₹1,202 with discounts

    ₹ 4.2 Lakh
    ₹ 1 Crore
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    Discounts

    10% Online discount
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    10% discount on 1st year premium is applicable on online purchase. This discount is auto-applied and can’t be removed

    8.5% Salaried discount
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    8.5% discount on 1st year premium is applicable for salaried personnel. You will need to share your corporate email ID if you opt for this discount. This discount is auto-applied if you select ‘Salaried’ as your occupation and can’t be removed

    1% Autopay discount
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    1% discount on 1st year premium for all payments paid through any permissible electronic mode debited through an auto-debit mandate. Maximum discount capping: ₹100 over the year.

    2% Milestone discount
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    2% discount on 1st year premium on these milestones

    Event Eligibility
    Wedding (1 wedding only) Within 6 months before or after the date of wedding
    Birth/ Adoption of 1st child* Within 6 months before or after the birth/ adoption date
    Home loan Within 6 months of loan getting sanctioned
    First job Within 6 months of joining date

    *Policy issuance eligibility for female customers will be determined by Board Approved Underwriting Policy (BAUP)

    The above milestones cannot be clubbed to avail more discount, Such discount shall be capped to a maximum of ₹500 over the year.

    15% lower premium for women (every year)
    12%Tata Group Employee Discount
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    Applicable only if the policy is bought digitally. You will get the higher of online or employee discount, not both.

    5% Campaign discount
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    This discount is auto-applied and valid till 31st October 2025

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    Minimum annual income should be ₹5 Lakh

    Tata AIA Sampoorna Raksha Promise - Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN:110N176V08)

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    Vishal-Kapoor

    Written by

    Vishal Kapoor

    Desktop-Vishal
    Insurance Expert

    Vishal Kapoor

    Vishal Kapoor, AVP - Brand & Product Marketing at Tata AIA, has over 17 years of experience in the BFSI sector. He is responsible for driving brand strategy, product & channel marketing campaigns.

    Girish-J-Kalra

    Reviewed by

    Girish J Kalra

    Desktop-Girish
    Chief Marketing Officer

    Girish J Kalra

    Girish J Kalra, Chief Marketing Officer at Tata AIA, leading the organizations marketing & corporate communication initiatives..

    What is ₹50 Lakh Term Insurance?

    A 50 lakh term insurance policy is a type of life insurance plan that provides a sum assured of ₹ 50 lakh.  This coverage remains fixed throughout the lifetime of the policy and is selected at the time of purchase. If you choose the Return of Premium (ROP) option, all the premiums you paid are returned to you when the policy ends, subject to policy terms. Thus, a ₹ 50 lakh term plan provides income replacement and financial protection. 
     

    Term insurance plans of ₹ 50 lakh are suitable for individuals with financial dependents or long-term liabilities, like loans or children's education.  Additionally, term plans can be customised by adding critical illness coverage or accidental death coverage.

    Why should you buy ₹50 lakh term insurance plan?

    Below are the key reasons to buy ₹ 50 lakh term insurance plan:

    • Financial Protection

      In the event of your absence, a ₹ 50 lakh term plan can ensure the financial security of your family members and ensure they cover their financial needs. By buying a term plan, you ensure your family is adequately protected and can maintain their standard of living in your absence. The payout from a term plan can be used to cover a variety of expenses, such as outstanding loans, higher education expenses, and daily living expenses.
    • Affordable Premium

      : It's affordable to purchase a term insurance plan. Premiums for a ₹ 50 lakh term insurance plan are also relatively affordable. In this way, you can prepare for the future without compromising your present financial situation.
    • Customisable coverage

      : You can customise your term plan to meet your needs. Policy terms, coverage, premium payment frequency, and additional features like riders5 can all be customised.
    • Income replacement

      : The life insurance policy can be used to replace the breadwinner's income in case of an unfortunate event. This type of insurance can cover the family's day-to-day expenses, including groceries, fuel, utilities, and more. It allows families to continue living at the same standard even after the policyholder’s demise without compromising on essential daily necessities.
    • Debt settlement

      : Without the primary earner, it is up to the family members to repay the debt. To settle outstanding liabilities, a ₹ 50 lakh term insurance plan can be useful. With the plan, a family can cover overdue debts and avoid financial stress.
    • Peace of mind

      : Term insurance offers peace of mind, knowing your family will always have a financial safety net. This can serve as a reminder that you've done your best to protect your family’s financial future. As a result, you will be able to live a peaceful life and reduce your financial stress and anxiety.
    • Tax benefits8

      : An insurance plan with a 50 lakh life cover offers tax8 benefits. Tax8 deductions are available for premiums paid toward term insurance policies under Section 80C of the Income Tax Act, 1961. Also, the ₹ 50 lakh term insurance payout to the nominee is exempt under Section 10(10D) of the Income Tax Act, 1961.


    How Does a ₹50 Lakh Term Insurance Plan Work?


    By purchasing a ₹ 50 lakh term insurance plan, you can ensure your nominee gets 50 lakhs upon your death. In your absence, a term plan can ensure your family is financially secure.


    Let's see how ₹ 50 lakh term insurance plan works with the help of an example:

    Amit is 30 years old and the sole earner in his family. He purchases a ₹50 lakh term insurance policy for 20 years. Amit's family will receive ₹50 lakh if he passes away during the policy term. Amit's family can use the payout from term plan to pay bills, repay loans, and pay for his children's education.

    What are the features of ₹50 lakh term insurance?

    The ₹ 50 lakh term plan offers following key features:

    Low Entry Age

    Term insurance allows entry between the ages of 18 and 65. The wide age bracket makes it easier for more individuals to take advantage of the 50 lakh life insurance cover for their loved ones.

    Flexible Premium Payment Options

    You can choose to have different premium payment options such as regular pay, limited pay, or single pay. It's paid on a monthly, quarterly, half-yearly, or annual basis, depending on your budget.

    Customisable Payout Benefits

    The death benefit in 50 lakh term plans can be availed in more than one way. You could get a lump sum, a monthly income, or both the lump sum and the monthly income, depending on your family's requirements.

    Long-Term Financial Safety

    A ₹ 50 lakh term insurance policy offers long-term financial safety, as most plans can last anywhere between 10 and 55 years. For example, Tata AIA Sampoorna Raksha Promise term plan offers whole life coverage until 100 years1.

    Comprehensive Coverage

    As stated, some term plans allow you to extend your coverage amount or opt for add-on riders5 to get more comprehensive coverage, which sometimes also have their own sum assured amounts. This offers peace of mind by ensuring your family members will not suffer financial hardships in case of your unfortunate and untimely demise.

    Nominal Cost

    The premium rates for term insurance plans depend on their coverage (sum assured) amount. Generally, they tend to be more affordable when compared to other life insurance policies on the market. Hence, a ₹ 50 lakh term insurance premium will be reasonably low, allowing you to buy a term plan to cover you and your family early in your career without burning through your savings.

    Availability of Loans

    Home loans are long-term commitments, and if you are the sole earner in your family, the burden of paying off the loans can be on your family members in the event of an untimely death. Most term plans last 15 - 20 years, which is similar to the tenure of a home loan. Hence, a ₹ 50 lakh term policy can be a viable safety net when you opt for long-term financial commitments to protect against any uncertainties. For more information on this topic, you can refer to our blog on Guide to Loan Against Your Life Insurance Policy

    Why Choose Tata AIA Life Insurance Term Plans?

    4 Hours Express Claim settlement - Why Choose Tata AIA Life Insurance?

    4 Hours

    Express Claim Settlement6

    Worth of Assets Under Management - Why Choose Tata AIA Life Insurance?

    99.41%

    Individual Death Claim Settlement Ratio FY 24-25

    Worth of Assets Under Management - Why Choose Tata AIA Life Insurance?

    77 Lakh+

    Families protected so far7

    Worth of Assets Under Management - Why Choose Tata AIA Life Insurance?

    500+ Branches

    Presence across major cities in India


    What are the Key Benefits of ₹50 Lakh Term Insurance?

     

    guaranteed-Income-icon

    Lifetime Protection

    Most term insurance policies offer whole-life coverage options to their policyholders. As a result, you don't have to worry about your family's future at any point in time. 

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    Tax Benefits8

    The premium payments for term plans are tax8 deductible under Section 80C of the Income Tax Act 1961, up to a maximum of ₹1.5 lakh per annum. Moreover, the death benefits and maturity benefit payouts under a term plan are tax-exempt under Section 10(10D).

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    Easy Customisation

    You can enhance the coverage of your term plan by including riders5 to your basic ₹50 lakhs term insurance plan. This will require an extra premium payment. However, it is often worth the extra cost if you suffer from or are prone to developing future health conditions since the coverage you receive is quite substantial in the case of critical illness riders.

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    Cost-Effective

    You can buy a term plan at an early age. Insurance providers often provide lower premium rates to younger individuals. The premium rates are also decided upon policy purchase and stay the same throughout the policy tenure. Therefore, you can ensure financial stability for your loved ones at an economical price.

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    Security Against Loans and Liabilities

    Existing liabilities like debt or loans incurred from big purchases, like a house, will require long-term incremental payments. In the event of an untimely demise, your family can use the sum assured payout from your ₹50 lakhs term policy to settle any outstanding loans or financial liabilities that may become their responsibility.


    How to Determine the Right Coverage for Your Term Insurance?


    Evaluating the required coverage for your term insurance policy is effectively calculating your life's value, and that is anything but pleasant. However, you must remember that life insurance aims to provide financial security to your family and dependents in the event of an untimely death. As a result, you must consider the following factors to select your appropriate coverage level.

    • Young Individuals - Boy and Girl Image

      Age

      Younger individuals generally get charged lower premium rates than older policyholders for the same coverage amount. This is because insurance providers consider them a lower-risk investment as they a less prone to health conditions. Hence, you should get a term policy at a younger age and assess your current age, health condition, and lifestyle to gauge your needed coverage.
      Young Individuals - Boy and Girl Image

      Age

      Younger individuals generally get charged lower premium rates than older policyholders for the same coverage amount. This is because insurance providers consider them a lower-risk investment as they a less prone to health conditions. Hence, you should get a term policy at a younger age and assess your current age, health condition, and lifestyle to gauge your needed coverage.
    • Parents - Mother Father and Child

      Your Annual Income

      Generally, the term plan's sum assured should be at least ten times your annual salary. If you decide to purchase ₹50 lakhs term insurance, ensure that the sum assured will compensate for your current standard of living and your family's lifestyle requirements while considering your annual income.
      Parents - Mother Father and Child

      Your Annual Income

      Generally, the term plan's sum assured should be at least ten times your annual salary. If you decide to purchase ₹50 lakhs term insurance, ensure that the sum assured will compensate for your current standard of living and your family's lifestyle requirements while considering your annual income.
    • Newly married couples

      Dependents and Their Needs

      If you have family members who depend on you financially, you must ensure that your family members' financial needs are met in unprecedented times. Hence, you must factor in the ₹50 lakh term plan insurance premiums into your financial plan. You must also consider the number of family members who financially rely on you for their future demands, like educational expenses, marriage, loans, and other cost of living expenses.
      Newly married couples

      Dependents and Their Needs

      If you have family members who depend on you financially, you must ensure that your family members' financial needs are met in unprecedented times. Hence, you must factor in the ₹50 lakh term plan insurance premiums into your financial plan. You must also consider the number of family members who financially rely on you for their future demands, like educational expenses, marriage, loans, and other cost of living expenses.
    • Working Woman - Woman With Mobile in Her Hand

      Existing Liabilities

      If you are buying a ₹50 lakhs term policy, always factor in your current liabilities. Whether it is a home loan, a student loan, or a car loan, you need to make sure that your term insurance payout will cover all of your commitments. The right coverage amount is critical when purchasing a life insurance policy. As a buyer, you should carefully assess your needs, liability (if any), and your ability to pay all your insurance premiums in a timely manner for a ₹50 lakh plan to get the required coverage.
      Working Woman - Woman With Mobile in Her Hand

      Existing Liabilities

      If you are buying a ₹50 lakhs term policy, always factor in your current liabilities. Whether it is a home loan, a student loan, or a car loan, you need to make sure that your term insurance payout will cover all of your commitments. The right coverage amount is critical when purchasing a life insurance policy. As a buyer, you should carefully assess your needs, liability (if any), and your ability to pay all your insurance premiums in a timely manner for a ₹50 lakh plan to get the required coverage.



    How Much Does a ₹50 Lakh Term Insurance Cost?


    The exact cost of a ₹50 lakh term insurance policy depends on several factors. There is no standardized amount, and it will depend on your future requirements. Prominent factors include age, coverage amount, medical history, current lifestyle (whether you smoke/drink/or have pre-existing health conditions), and occupation. Some insurance providers offer women lower premium rates or discounts under their term plans. You can find such discounts under most Tata AIA life insurance plans.

    One way to estimate your potential premiums under a ₹50 lakh term insurance would be to use a term insurance calculator. These are free online tools insurance providers offer on their website, which allow you to input factors like your age, annual income, number of insured members, and add-on riders that you would like to include under the policy to give you an estimated premium rate.

    If you want to buy a policy under Tata AIA and want to know your ₹50 lakh term insurance premium, you can use our Tata AIA Term Insurance Calculator to estimate your potential premiums under your preferred term insurance policy. 

    How to Choose the Best ₹50 Lakh Term Insurance Policy?

    • Secure Your Future with 50 Lakh Term Insurance for a Long Term

      Claim Settlement Ratio (CSR)

      The insurance provider's claim settlement ratio is essential when choosing a term insurance plan. The CSR shows you the percentage of claims settled by the insurance company against the total number of claims filed in a fiscal year. For reference, Tata AIA's Individual death claims settlement ratio4 for FY 2024 - 2025 was 99.41%.

      While it should not be the only deciding factor when choosing a ₹50 lakh term insurance plan, the CSR indicates the likelihood of your claims being accepted and settled by the insurance company. So, a higher CSR means the more likely your insurer will settle your claim.

    • Policy Term

      Policy term or tenure refers to the coverage period under the term insurance policy. The maximum coverage period under term insurance plans like Tata AIA Sampoorna Raksha Promise Plan can go up to 100 years1 for a policyholder.

      Hence, you must assess how long you want your life insurance coverage to last since most term plans do not offer survival benefits and opting for a ₹50 lakh term plan with whole life cover may be a better option. 

    • Multiple Premium Payment Options for 50 Lakh Term Insurance

      Riders

      Most insurance providers offer add-on riders5 with their term insurance policies. These can be used to increase the base coverage amount your term policy offers, and they must be opted for on policy purchase unless your policy allows mid-term inclusions. These add-ons also offer their own sum-assured amounts and require additional premium payments. Some popular term insurance riders are Accidental death, terminal illness, critical illness, accidental total, and permanent disability, hospicare, and waiver of premium benefit.

    • Choose the Right Variant

      Insurance providers offer different types of term insurance plans under their roster. It is recommended that you shop around and compare different term plans with each other before buying one, as each type of term plan will have its own pros and cons.

      For example, at Tata AIA, we offer different types of term insurance policies that satisfy different coverage requirements. Always analyze your requirements and carefully choose a plan that can benefit you the most. 

    • The Ideal 50 Lakh Term Insurance Variant Tailored to Your Needs

      Read the Policy Document Carefully

      Policy documents may be wordy, but you must not skip reading them before signing onto any term policy. They contain the clauses and conditions under which your term plan functions and will directly impact your experience with the term plan. Hence, once you have decided on a ₹50 lakh term insurance plan, make sure to go through every clause and term and only then sign the policy document. This way, you have a thorough idea of your term plan.

    How to Buy ₹50 Lakh Term Insurance Plan?

    Now that you know what to look for when choosing a ₹50 lakh term insurance plan, here is how you can buy one from Tata AIA:

    To explore what term plans we offer, visit our Term Insurance page by hovering over the Plans tab and then clicking 'Term Insurance’

    Click on the term insurance policy you wish to know more about.

    To know your premium estimates under a particular plan, enter your details and click 'Check Premium.'

    To proceed with your buying process, hover over the 'Where Do I?' tab and click on the term insurance policy you want to buy.

    Enter your details on the given fields and click 'Continue' to proceed with your buying process.

    Documents Required to Purchase ₹50 Lakh Term Insurance

    The following documents are required to buy ₹50 lakh term insurance:
     

    • Identity Proof: This can be any government-authorised identity proof like Aadhar, Passport, Driver's License, or Voter ID
    • Address Proof: This can be any identity proof having your current address or documents like utility bills that state your current residential address.
    • Income Proof: PAN Card, Bank statements, ITR, salary slips, etc.


    Who Should Opt for a ₹50 Lakh Term Insurance?


    Those who wish to create a financially secure future for their family members or loved ones from the uncertainties of life can opt to buy a ₹50 lakhs term insurance plan. This can include people like:

    • 01

      Individuals with Dependants

      Individuals with dependants should consider purchasing a ₹50 lakhs term insurance plan since it is a more affordable type of life insurance. These can be professionals, parents, married/unmarried people, recently retired people, self-employed, etc.
    • 02

      Taxpayers

      Taxpayers should consider investing in a term plan, as the tax8 deductions and exemptions it provides can help them save money and aid with financial planning in the long run.
    • 03

      Young Earners

      Young individuals should invest in a ₹50 lakhs term insurance policy as it is much cheaper than other types of life insurance while providing substantial coverage.
    • 04

      People with Loans or Debts

      Individuals who do not wish for their family members to bear the burden of repaying the unsettled debts in the event of an untimely death.
    • 05

      Individuals at Health Risk

      Individuals with health issues should consider a term plan. Whether it be due to their family medical history or a hectic lifestyle, the sum assured payout from a critical illness cover or a health rider5 can be used to pay for medical treatments.
    • 06

      Married People

      Married people can benefit from buying a ₹50 lakh term insurance plan to secure their future at a nominal price.
    • 07

      Parents and Retirees

      Parents or retirees who wish to safeguard their children and family's financial future.

    FAQs on 50 Lakh Term Insurance

    • What are the eligibility criteria for purchasing a ₹50 lakh term insurance policy?

      To purchase ₹50 lakh term insurance policy, you must be 18 years old with a maximum limit of 65 years, provide income proof and medical history. Disclose unhealthy lifestyle habits like smoking or alcohol consumption that affect premiums.

    • What is the premium for a ₹50 lakh term insurance plan?

      While a ₹50 lakh term plan is quite affordable, the premium rates of a term plan can vary depending on your age, policy tenure, and if you have chosen to add any additional riders5 to your plan.

    • Is 50 Lakh term insurance enough for my family?

      A ₹50 lakh term insurance policy can be a good starting point for young earners. It can be suitable for middle-income families but could be raised depending on whether you have large financial obligations such as loans, dependents, or long-term plans.

    • What are the benefits of purchasing a ₹50 lakh term insurance policy in India?

      A few key benefits of purchasing a ₹50 lakh term insurance policy include:

      •  Lifetime protection under most insurance providers
      • Tax benefits8 under applicable tax laws
      • Easy customisation with add-on riders5
      • Cost-effective life insurance coverage
      • Security against existing and potential loans and liabilities. 

      For a more detailed explanation of the benefits you can get under these points, refer to ‘Benefits of ₹50 Lakh Term Insurance’ mentioned above.

    • How can I calculate the premium for my ₹50 lakh term insurance policy?

      Using an online term insurance calculator to estimate any potential premium amounts under a term plan is recommended; it mitigates the risk of human errors that may occur during the calculator process, giving you a more accurate estimate.

    • Is a ₹50 lakh term insurance cover sufficient?

      A ₹50 lakh term insurance cover tends to be sufficient with a return of premium add-on that helps you get back all the premiums paid throughout the policy tenure.

    • What happens if I outlive the policy period of a ₹50 lakh term insurance plan?

      In case you survive the policy duration of a ₹50 lakh term insurance policy, there won't be any payment after the policy matures unless you've opted for a Return of Premium benefit.

    • Are tax benefits8 applicable to ₹50 lakh term insurance plans?

      Term plans offer tax8 deductions of up to ₹1.5 lakhs to policyholders under Section 80C of the Income Tax Act 1961 on the premiums paid annually by policyholders. Nominees who receive a death benefit or individuals who opted for medical insurance coverage can also get deductions or exemptions under sections 80D and 10(10D).

    • Can I purchase two term insurance plans for higher coverage?

      You can purchase more than one term policy. However, it can be expensive to pay premium payments for each plan, which are even higher for older individuals.

      Instead, we recommend getting top-up plans and add-ons or opting for an increasing term insurance plan altogether if you think you may need more coverage in the future

    • Does the available term insurance coverage depend on salary?

      Yes, your salary does influence the term insurance coverage available to you. Your annual income determines the maximum term insurance coverage you can purchase. The higher the coverage, the higher the premiums charged for the term plan.

    • What is a ₹50 Lakh Term Insurance Plan?

      A ₹ 50 lakh term insurance policy is an insurance policy that gives 50 lakh life coverage to policyholder's nominee in the event of policyholder's death.

    • How much does a ₹50 lakh term insurance policy cost?

      The term insurance policy premium is based on age, health, policy duration, and lifestyle habits. For young and healthy person cost is relatively low.

    • Can I add riders5 to my ₹50 lakh term insurance policy?

      Yes, you can add riders5 such as critical illness, accidental death, waiver of premium, or disability cover for added protection at an extra premium.

    • Are there tax benefits8 in a ₹50 Lakh Term Insurance Plan?

      Yes, the premiums paid are eligible for tax8 deduction under Section 80C, and death benefits obtained by the nominee are exempt from tax under Section 10(10D) of the Income Tax Act, 1961.

    • What is a ₹50 Lakh Return Policy?

      The ₹50 Lakh Return Policy is a ₹50 lakh term policy with Return of Premium (ROP) option, where the premiums are returned in case the policyholder outlives the policy duration.

    • Disclaimer

      • Tata AIA Sampoorna Raksha Promise - Non-Linked, Non-Participating, pure risk, Individual Life Insurance Product (UIN:110N176V08)

      • 1Illustrated Premium is the monthly premium excluding taxes for 20 yr. old female, Standard Life, Non-Smoker for ₹ 50 Lakh 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.

      • 2This product offers first year discount of 8.5% for Limited Pay/Regular Pay and 1% for Single Pay to salaried customers & digital discount of 1% for Single Pay, 10% for Limited Pay/Regular Pay.

      • 3Under 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.

      • 5Rider 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.

      • 6Applicable 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.

      • 789,43,554 families protected till 31st May 2025.

      • 8Income 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 implication mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefits available to you.

      • No Goods and Service Tax shall be applicable on Individual life insurance products as per prevailing laws. Tax laws are subject to amendments from time to time. If any imposition (tax or otherwise) is levied by any statutory or administrative body under the Policy, Tata AIA Life Insurance Company Limited reserves the right to claim the same from the Policyholder. 

      • This product is underwritten by Tata AIA Life Insurance Company Ltd. 

      • Insurance cover is available under this product.

      • In case of non-standard lives, extra premiums will be charged as per our underwriting guidelines. 

      • 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.

      • L&C/Advt/2025/Oct/3745