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      Family Term Insurance


      Term insurance plans are a practical solution to protecting your family against the uncertainties of life. They are also the most affordable types of life solutions available on the market today that offer pure risk coverage. 

      Let us understand, why you should opt for a family term life insurance policy from Tata AIA, what a family term plan is, its benefits, features and types. Read on to find out how you can ensure all your family members get the financial backing they need in your absence.

       

      Table of Content 


      What Is Family Term Insurance?


      Term insurance for a family - one of the best life insurance policies for a family - is a basic term plan where family members of the insured person receive a lump sum payout – also known as a death benefit - if the insured passes away during the policy’s term. It offers no survival benefits to the insured if they survive the policy term unless they have opted for a Return of Premium (ROP) benefit or their policy terms state otherwise.  

      In most cases, when the policy tenure expires, the coverage lapses along with it, regardless of whether it is used by the insured. Moreover, the death benefit payout is tax-exempt under Section 10(10D) of the Income Tax Act, meaning your family members get to keep the full amount they received from the insurer.  

      Lastly, the sum assured amount, policy duration, and policy premium under this term insurance plan are all decided on policy purchase; these cannot be changed once set and will remain the same throughout the policy’s duration.

      Features of Family Term Insurance
       

      • Pure Protection Plan

        Term insurance plans are often called pure life insurance policies. This is because they are designed to provide financial security in the form of a death benefit to the nominee or the insured's family in the event of their death during the policy term. A family term insurance plan will function the same way, where the policy nominee will get a sum assured payment if the insured family member passes away during the policy term.

      • Add-On Riders

        These additional benefits can be bought separately to increase your family term plan coverage. Most insurers offer different types of riders under their term policies that you can purchase to customise your plan according to your family's lifestyle and requirements.

        Some popular add-on riders^ for family term insurance plans are: Critical Illness cover, accidental death, disability, waiver of premium rider, and hospicare rider.

      • More Coverage for a Lower Premium

        The premium rates of family term life insurance plans are much more affordable than other life insurance policies when you factor in the substantial coverage they provide.

      • Choose Your Policy Tenure

        Insurers allow you to choose your preferred policy tenure so you can determine how long you want the policy to last. Most family term plans offer flexible policy terms between 5 - 40 years and allow you to renew or switch to whole-life coverage.

      • Flexible Premium Payments

        Like policy tenures, you can choose from various premium payment modes. For example, at Tata AIA, we offer Single/Annual/ Half-yearly/ Quarterly/ Monthly premium payment modes under most of our life insurance policies.

      • Risk Management

        Term plans for families offer a large sum assured as a death benefit. This means they are especially helpful if you have current liabilities like debt or loans that need to be paid off, so your family is not saddled with the responsibility of paying them in your absence.


      Popular Tata AIA Term Insurance Plans

      Tata AIA

      Sampoorna Raksha Supreme

      Key benefits:

      • Option to get back 105% of the premium* paid - Key Benefits of Tata AIA Life Insurance Sampoorna Raksha

        Option to get 105% of the premiums paid by you$
      • Get Life Cover up to 100 years of your age - Key Benefits of Tata AIA Life Insurance Sampoorna Raksha

        Life cover up to 100 years of age@
      • Option to increase cover at important milestones such as marriage and child birth with Life Stage

        Increase life cover at important milestones~
      Calculate Premium Know More

      A Non-Linked Non-Participating Individual Life Insurance Plan (UIN:110N160V03)

      Tata AIA

      SRS Vitality Protect

      Key benefits:

      • Simple and affordable protection plan - Key Benefits of InstaProtect Solution

        Choose from two plan options: Term or Term + Return of premium
      • Get comprehensive health and life cover protection - Key Benefits of InstaProtect Solution

        Get Life Insurance Cover

      • Get Health Cover against 40 Critical Illnesses with Critical Plus Benefit - Key Benefits of InstaProtect Solution

        Avail a free health check-up annually
      Calculate Premium Know More

      Solution Composition


      Tata AIA SRS Vitality Protect is a term solution which includes Tata AIA Life Insurance Sampoorna Raksha Supreme, a non-linked, non-participating, individual life insurance plan (UIN: 110N160V04) and Tata AIA Vitality Protect, a non-linked, non-participating, individual health rider (UIN: 110B046V02).

      Benefits of Family Term Insurance
       

      • Comprehensive Coverage in Times of Emergency

        No one knows what the future holds, and financial emergencies like an untimely death or critical illness can exhaust your family's savings. In these cases, the best life insurance policy for your family would be a term insurance plan, as it can help tide them over these sudden expenses.

        For example, a family term plan with a critical illness cover can be beneficial if your family medical history makes you prone to specific health conditions or critical illnesses. The sum assured payment from the critical illness rider could help cover treatment costs on diagnosis and allow you to get the proper medical help you need.

      • Can Act as a Contingency Plan for Income Replacement

        Family term insurance policies are pure life covers. This means that upon your passing, your family will be provided a substantial lump sum payment upfront from the insurer. This payout can account for the loss of income your family will be affected by if you are the sole earning of your family or household

      • Let’s You Increase Coverage at Important Life Stages

        Today, several family term insurance plans come with the provision of increasing the sum assured by a certain percentage at important life events like marriage, the birth or adoption of a child, securing a home loan, and so on. 

        Moreover, term plans like increasing term plans allow for the gradual increase of the sum assured amount by a certain percentage on policy purchase and are a great option when accounting for inflation and increased living costs.

      • Maintains Your Family's Lifestyle

        Most families are accustomed to certain lifestyles and will have unique needs and living expenses that must be covered. In other words, their needs and goals will be aligned with the income earned. 

        However, when an earning member of a family passes away, family term insurance benefits allow the surviving members to maintain their standard of living as the sum assured amount is often substantial enough to support them. 

      • It Fulfils Your Children's Dreams

        When one or both the earning members of the family pass away unexpectedly, the children are left with no source of income to support their growth. Here is where a family term insurance plan can be beneficial. 

        The sum assured/death benefit received from the term policy can ensure that your children's life goals and education are not hindered even if you are no longer there to provide for them. Hence, a family term plan can even be bought in later stages of life to secure your child's future.

      • Offers Significant Tax Benefits

        Family term insurance plans make you eligible for tax# deductions of up to ₹1.5 lakhs under Section 80C for annual life insurance premium payments. You may also be eligible for deductions under Section 80D if you have opted for health insurance riders on your term plan. 

        Moreover, the death benefit payouts and any maturity benefits are always tax-exempt under Section 10(10D) for life insurance policies.


      Types of Term Insurance Plans for a Family
       

      Types of Family Term Insurance 

      Key Features and Benefits

      Drawbacks

      Level Term Plans

      • Affordable

      • Has a fixed premium that does not change

      • Fixed sum assured amount 

      • No survival or maturity benefits 

      Increasing Term Insurance

      • Death benefit (the amount paid to the beneficiary due to the death of the insured’s person) increases over the duration of the policy.  

      • Accounts for inflation and other changing circumstances.

      • Slightly higher initial premium rates

      • No survival or maturity benefits 

      Decreasing Term Insurance

      • Death benefit (the amount paid to the beneficiary due to the death of the insured’s person) decreases over the duration of the policy.  

      • Ideal for covering certain financial obligations such as mortgage or loans. 

      • Since it provides decreasing term coverage, might not be suitable for general financial protection.  

      • The cover amount may not be sufficient for unexpected expenses or needs of the family  

      Return of Premium Term Insurance

      • Dual benefit payment for the nominee.

      • Return payments on all premiums paid during the policy tenure on survival.

      Higher premium rates

      Convertible Term Plans

      • Let’s you convert the base policy to any type of life or endowment plan.

      • The maturity benefit matches the sum assured of the primary term policy.

      • Expensive 

      • Not commonly available in the Indian market.

      • 01

        Level Term Plans

        These are basic term plans where the premium rate and sum assured remain the same or 'level. Your nominee gets a fixed sum assured payout upon the death of an insured member.The policy tenure for this type of family term plan can range between 5 - 30 years. Moreover, this plan does not offer the insured any survival benefits.
      • 02

        Increasing Term Insurance

        The sum assured for this family term insurance plan increases by a certain percentage or amount every year. This plan is great for securing your family against inflation and other changing circumstances.
        This increasing percentage or amount is determined before the policy purchase and remains the same throughout the policy tenure. Generally, the premiums paid in the initial years are higher to compensate for lower premiums as the sum assured increases over time.
         
         
      • 03

        Decreasing Term Insurance

        This is the opposite of an increasing family term insurance plan. The sum assured decreases a certain amount every year, and on policy maturity, the sum assured will be zero.
        Moreover, the premiums for this plan are the cheapest of the types mentioned and stay the same throughout the policy term despite the decreasing coverage. This plan is beneficial if your family requires less financial support over time or if you have a decreasing liability (e.g., loan).
         
         
      • 04

        Return of Premium Term Insurance

        This works the same way as a basic term plan but with one key difference: your policy nominee gets a dual benefit payout on the passing of an insured member.
        An ROP family term policy offers survival benefits where you get a return payment of all the premiums paid during the policy term. Here, the death benefit is tax-free, and the ROP is paid as a maturity benefit, which may or may not be taxed under applicable tax laws.
         
      • 05

        Convertible Term Plans

        This type of family term insurance plan is beneficial for anyone who wants to account for other risks and uncertainties that come with life. They are also great if you are concerned about developing health issues later in life.
        This policy can be 'converted' to a regular life or endowment plan where the maturity benefit of the converted/new plan matches the sum assured for the primary term policy. As a result, the premiums for this plan will be slightly higher.
         
         

      • How to Choose the Best Term Insurance for Your Family?

        Policy Coverage Amount

        The most important factor in family term insurance policies is the coverage or sum assured amount. 

        This is the amount your family will receive in the event of your death, so it is important to determine whether this amount will compensate for their future financial requirements.

        Keep in mind that higher coverage also means higher premiums. Ensure that you strike a balance between getting adequate coverage and a premium rate that aligns with your financial constraints.

        Insurer's Claim Settlement Ratio (CSR)

        The CSR is the percentage of claims settled against the total number of claims received by an insurance company in a fiscal year. For reference, Tata AIA's Individual Death Claim Settlement Ratio (CSR) for FY 2022 - 20231 was 99.01%. 

        While it should not be the sole deciding factor as the CSR does not give you the whole picture - the higher the CSR of an insurer, the more likely it is that they will accept and settle your claim in a timely manner. Hence, buying a family term policy from an insurer with a high claim settlement ratio is recommended.

        Available Riders

        Always check what riders^ and add-on covers the insurer provides under the family term policy. This will give you a good idea of how much potential coverage you can receive under the policy and the policy's customisability. 

        Some important riders you should consider getting include waiver of premium, return of premium, hospicare, accidental death, and accidental total and permanent disability. If your family medical history suggests that you may be prone to certain health conditions, getting a critical or terminal illness cover would be beneficial.

        Easy Claim Settlement Process

        A term policy's primary purpose is to provide financial security in the event of an untimely death. This means the insurer must have a quick and efficient claims settlement process to ensure your family members receive their payments on time. 

        Always check the insurer's website for an overview of their claims procedure and if they provide paperless processes. Moreover, policy ratings and customer reviews should also be considered before buying a family term policy.

        Additional Benefits

        Insurers also provide additional benefits (other than riders) under their term policies, like premium holidays, special exit benefits, life stage benefits, special discounts for women, etc. 

        These will vary across insurers and term policies, so always check policy terms to any if you are eligible to claim any additional services, benefits, or discounts under the family term policy. 

        Check the Policy Wording

        Going through the policy wording may be tedious and lengthy, but it should not be skipped as it may lead to issues when determining the admissibility and settling future claims.

        Going through these documents will also give you a better understanding of the policy's features, base coverage, and any key exclusions that you need to watch out for. This will also help determine whether the particular family term policy is the right fit for you.

        Compare Term Plans

        Most online life insurers like us at Tata AIA allow you to compare different term insurance plans on their website. This is an important step as it allows you to compare policy benefits and quotes to help you make an informed decision.

        You can use Tata AIA’s term insurance calculator to compare different family term plan premiums on our website to see which plans provide the best value for money.

      Why choose Tata AIA Life Insurance Term Plans?

      The Tata AIA Assurance

      99.01% Individual Death Claim Settlement Ratio1

      4 Hours

      Express Claim Settlement2

      72 Lakh+

      Families protected so far3

      81,000+ Crores

      Assets Under Management4

        2T&C apply.

      Why Should the Sole Earner Purchase a Family Term Insurance?


      A family term insurance plan is the best form of risk mitigation for life's uncertainties. If you are the sole earner in your family, then having a family term plan can give you peace of mind, as your family members will receive a substantial payout if the worse were to happen. 


      Here are some key reasons why you should consider getting family term insurance if you are your main income earner:

       

      The insurance payout can act as a form of income replacement and can help manage expenses and living costs.

      It can help your family maintain their current lifestyle without having to sacrifice their current standard of living due to a loss of income.

      The sum assured can take care of existing financial liabilities so your family does not have to pay off any unpaid debt or loans in your absence.

      The death benefit/maturity payout can help manage your dependents' expenses, your children's education, and your family's healthcare needs, if any.

      Most family term plans offer critical and terminal illness covers that offer their own sum assured payouts on diagnosis at different stages of the insured illness so you can cover your medical expenses.

      The death benefits for term plans are always tax-free#, while the maturity or survival benefits may or may not get taxed depending on your premium rates and current tax laws.

      • Can a Housewife Purchase Term Insurance for the Family?

        Yes, anyone can buy a term insurance policy for their family so long they meet the insurer's eligibility requirements. Hence, a housewife or any dependant family member can purchase a family term insurance policy to facilitate the smooth functioning of their family in their absence. 


        Here is how a family term plan can be beneficial when purchased by a dependent family member:
         

        Security Against Uncertainty

        There is no significant difference in the mortality rate between genders, and no one truly knows what may happen. Housewives and dependants can secure their family's financial needs with a family term insurance plan in their absence.

        Increased Life Cover

        If the sole earner already has a term insurance plan and can not secure a larger amount for their family, buying a family term plan under the housewife or dependant's name can increase their overall life coverage.


       


       

      How Can You Purchase a Family Term Insurance Online?


      You can buy term insurance for your family from any insurer of your choice on their official website. However, to mitigate the chances of a fraudulent purchase, always check if the insurer is IRDAI-approved. 


      All online insurers must be registered with the Insurance Regulatory and Development Authority of India (IRDAI) and will be listed on the official IRDAI portal, so check if their list includes your chosen insurer before purchasing any family term policy. 


      Here is how you can purchase a family term insurance plan online:
       

      • Visit your insurer's official website and navigate to their term insurance page.

      • Select the family term plan you wish to buy

      • Fill out the application form and enter your details like name, phone number, date of birth, gender and any other details.

      • Upload any necessary KYC documents and other required documents before submitting your application.

      • An insurance agent will contact you to further discuss the details of your chosen family term plan and to guide you through the rest of the buying process.

      Frequently Asked Questions (FAQs) About Family Term Insurance

      Which is the best life insurance policy for a family?

      A family term insurance plan is the best life insurance policy for the family as it offers a substantial sum assured amount for a nominal cost while covering multiple family members under its policy.

      Can term insurance be purchased for an individual or a family?

      Yes, family term insurance plans are general term insurance plans that can be bought to cover an individual or a family member - typically the earning member of a family. 

      If the insured person dies during the policy’s term, dependent family members will receive a lump sum payout of the sum assured.

      How much coverage is required for a family of four members?

      There are four main ways you can calculate how much term insurance coverage you may need:

      • Human Life Value (HLV): Considers the economic value or HLV of a person to the family, i.e., you should consider your income, expenses, expected future responsibilities and goals, liabilities and investments to determine the coverage needed.

        This method gives better clarity on future financial needs as it factors in inflation and changing circumstances. Most insurers have an HLV calculator on their website.

      • Income Replacement: The sum assured should replace the lost earnings of the income earner. A simple formula to calculate this would be: 

        Sum Assured = Current Annual Income x Years Left to Retirement.

        One drawback to this method would be that it can suggest a very high cover amount by considering future income.

      • Expense Replacement: This method calculates your day-to-day household expenses, existing liabilities like loans, goals such as children's education and your dependants' financial needs for the rest of their lives. 

      • Underwriter's Rule: Your minimum family term insurance cover should be 10 - 15 times your annual income. This is a very common method of determining insurance coverage. 

        However, experts today suggest that your minimum cover should be at least 15 - 20 times your annual income. Most life insurance companies also offer term plans that offer coverage 25 times your annual income.

      Can a husband and wife be covered under a single-term insurance policy?

      Under a term plan, you and your spouse/partner can be covered if you have opted for a joint life cover or if you opt for spouse term insurance. 

      A family term insurance policy can also be a viable option if you wish to get coverage for you or your spouse/partner, in case either one of you is already insured under another life policy. 

       

      How to decide the policy tenure for my family term insurance?

      The best way to select a policy tenure is to opt for a family term plan according to your age and financial profile (existing liabilities, annual income, future goals). 

      For example, if you require term insurance coverage for 30 years and you are 30, it would be better to opt for a 40-year tenure to account for any ambiguity that comes with the future. 

      Alternatively, you can opt for a whole life cover or a longer tenure regardless, as policyholders can stop at the age of 60 without facing any consequences.

      Can a term insurance plan be revived?

      Most term and life insurance policies have a revival period of two consecutive years since the term plan has lapsed or expired. 

      Under this revival period, you can revive your family term insurance policy by contacting your insurer and making the due premium payment(s) along with applicable charges.

      What should be the sum assured required for my family?

      This will depend on several factors: 

      • Your Age 

      • Annual Income.

      • Your Family's Current Standard of Living. 

      • Existing Liabilities Like Loans or Debt.

      • The Number of Dependants You Have. 

      • Future Goals. 

      Considering all of these factors should give you a clearer picture of the amount of coverage your family will require.

      Can riders be purchased for term insurance for a family?

      Yes, most online life insurers offer add-on riders^ with their term insurance plans for an additional premium. Some popular riders include accidental death, permanent and total disability, waiver of premiums, critical illness and return of premium benefit. 

      Remember, that these come with an extra premium payment so only opt for the riders that you deem necessary.

      Can I take a loan against term insurance for my family?

      No, as per IRDAI guidelines, term insurance policies and unit-linked plans (ULIPS) are not eligible for loans. While you can take out loans against permanent life insurance policies, this is not permitted under term life insurance policies.

      Can term insurance be purchased for a senior citizen?

      Yes, senior citizens over the age of 60, up to 65 years, can buy a term insurance policy from most life insurers in India. This is true for most Tata AIA Term Insurance policies as well.

      Disclaimer

      • The complete name of Tata AIA Sampoorna Raksha Supreme is Tata AIA Life Insurance Sampoorna Raksha Supreme (UIN:110N160V03) - A Non-Linked Non-Participating Individual Life Insurance Plan

      • Tata AIA SRS Vitality Protect is a term solution which includes Tata AIA Life Insurance Sampoorna Raksha Supreme, a non-linked, non-participating, individual life insurance plan (UIN: 110N160V04) and Tata AIA Vitality Protect, a non-linked, non-participating, individual health rider (UIN: 110B046V02). Tata AIA Life Insurance Sampoorna Raksha Supreme is also available individually for sale. 

      • *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 Option. 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.

      • @Applicable for specific plan options. Please refer brochure for additional details.

      • ~Applicable for specific plan options. Please refer brochure for additional details.

      • +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.

      • ^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:110B033V02 or any other later version) - A Non-Linked, Non- Participating Individual Health Rider, Tata AIA Life Insurance Non-Linked Comprehensive Health Rider (UIN: 110B031V02 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:110B045V01) are available under this plan. 

      • Tata AIA Vitality - A Wellness Program that offers you an upfront discount at policy inception. You can also earn premium discount / cover booster (as applicable) for subsequent years on policy anniversary basis your Vitality Status (tracked on Vitality app). Please refer rider brochures for additional details on health and wellness benefits.

      • 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.

      • $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. 

      • 1Individual Death Claim Settlement Ratio is 99.01% for FY 2022 - 23 as per the latest annual audited figures.

      • 2Applicable 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.

      • 372,34,092 families protected till 31st March 2023.

      • 4As on 31st August 2023, the company has a total Assets Under Management (AUM) of Rs. 81,601.11. 

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

      • The plan is not a guaranteed issuance plan and it will be subject to company’s underwriting and acceptance.

      • Insurance cover is available under this product.

      • For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. The precise terms and condition of this plan are specified in the Policy Contract.

      • Buying a Life Insurance Policy is a long-term commitment. An early termination of the Policy usually involves high costs and the Surrender Value payable may be less than the all the Premiums Paid.

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

      • L&C/Advt/2023/Sep/3249

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