A term life insurance plan is the simplest form of life insurance that offers a pure life cover. This type of insurance policy provides comprehensive life insurance coverage to you and your loved ones for a policy term of your choice and with a sum assured selected as per your needs. For pure term insurance plans, a lumpsum amount will be paid to the nominee of the life assured in case of any unfortunate event such as death of the life assured during the policy term. 

Term plans are considered to be quite popular as they offer higher life insurance coverage at very affordable premium rates. It is advisable to purchase a term insurance plan as they are quite flexible in terms of policy terms and premium payment terms, thus making term plans suitable for everyone’s insurance needs.

With pure life cover protection, term plans offer extensive coverage to your family, and in case of your demise during the policy term, the death benefit sum assured paid out to them can cover their financial needs for the years to come. You can simply choose a policy term, a premium payment term and a sum assured of your choice, depending on your needs, to provide the best possible life insurance coverage for your loved ones.

Yes, buying a term insurance policy online with Tata AIA Life Insurance is a safe and secure process, right from the plan selection to the digital payment for the purchase.

Yes, Tata Group employees are eligible for a discount on the premiums payable for the first policy year. If it is a Regular Pay policy, then the discount will be a min (2%*Policy Term, 20%). For Limited Pay or Single Pay policies, the calculation will be a min (2%*Policy Term, 20%), divided by the corresponding Limited Pay/Single Pay factor.

Tata AIA Life Insurance Sampoorna Raksha Supreme offers the following benefits:
 

•  You can enjoy a whole life coverage of up to 100 years^{^} under this policy which ensures comprehensive life insurance protection for your family throughout your lifetime. And in case of your demise before the end of the policy term, your family can avail of the death benefits for their financial security.
• With a choice of flexible plan options, you can choose the one that best suits your needs. This also comes with the choice of return of premium option, wherein you can get 105% return on premium** if you survive till the end of the policy term.
• The Life Stage option^~~ enables you to increase your life insurance coverage at important milestones in your life and offers greater coverage for added financial responsibilities, such as your marriage or the birth or adoption of a child.
• As per Section 80C of the Income Tax Act, the insured can get a tax deduction of up to ₹1.5 lakhs on the policy premiums, subject to policy terms and conditions. In addition, the death benefit, and the maturity benefit, as per the policy terms and conditions, are also fully exempt from tax under Section 10(10D) of the Income Tax^# Act.
• This policy comes with a choice of optional riders^~ that you can add to your policy for enhanced coverage. Not only do these riders cover health emergencies but also specific unforeseen situations.

With Express Claim, a unique service initiative, the Beneficiary can submit the necessary documents with our Rakshakarta agent who will initiate the claim process and ensure that the claim amount is received within 4 hours⁴. 

⁴T&C apply

Yes, Tata AIA Life Insurance Sampoorna offers the Life Stage^~~ benefit, which enables you to increase the sum assured coverage of your term life insurance plan at significant milestones. At the time of your marriage or during the birth/adoption of a baby, you can provide the appropriate documents as proof of the milestone and have your term insurance coverage increased through the Life Stage option.

• 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
• ^&&Discount on ­1^st year premium will be offered. Submission of Company ID card is mandatory to opt for this discount. This offer must be sourced from the direct sales of the Company/buy online. Scheme is for employees who are Indian National and residing in India. Staff discount shall be applicable on the premiums payable in the ­1st policy year only. The Company may offer a premium discount to the customers on the policies sourced by the company for employees of the promoter group namely, the Tata and the AIA group, its Subsidiaries, fellow subsidiaries, Joint Ventures (which shall include Tata AIA Life Insurance Company Limited amongst others) and their Associates. This premium discount shall be applicable on the premiums payable in the ­1st policy year only. For regular pay policies, this shall be min (2%*PT, 20%) and for limited/single pay policies, this shall be min (2%*PT, 20%) divided by the corresponding LP/SP factor. Here, PT is the policy term measured in years. Such discounts shall be applicable on the premium rates. No discounts shall be applicable on exercising the Life Stage or Top-Up SA Option as the increased premium shall be payable from the next policy anniversary, which at the earliest would happen in the second policy year whereas the discount is applicable only on the ­1st year’s premium.
• ^*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.
• ^**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.
• ⁺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.
• ^{^}Applicable for specific plan options. Please refer brochure for additional details.
• ^~~Applicable for specific plan options. Please refer brochure for additional details
• ^@Term Benefit, Critical Illness, Accidental Death, Accidental Disability are available with  Tata AIA Vitality Protect (A Non-Linked, Non- Participating Individual Health rider (UIN:110B046V01) and  Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider (UIN:110B033V02 or any other later version).
• ^#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 implications mentioned anywhere on this site. Please consult your own tax consultant to know the tax benefits available to you.
• ^~Riders are not mandatory and are 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/Intermediary/ branch.
• Tata AIA Vitality Protect - A Non-Linked, Non- Participating Individual Health rider (UIN:110B046V01), Tata AIA Vitality Health, A Non-Linked, Non- Participating Individual Health rider (UIN:110B045V01), Tata AIA Non-Linked Comprehensive Protection Rider (UIN:110B033V02 or any other later version) - A Non-Linked, Non- Participating Individual Health Rider Tata AIA Non-Linked Comprehensive Health Rider (UIN: 110B031V02 or any other later version) - A Non-Linked, Non- Participating Individual Health Rider) are available under this plan
• ¹68,75,083 families protected till October 2022
• ²Individual Death Claim Settlement Ratio is 98.53% for FY 2021 - 22 as per the latest annual audited figures.
• ³As on 31st August 2022, the company has a total Assets Under Management (AUM) of Rs. 62,894 Crores
• ⁴Applicable to only non-early claims more than 3 years of policy duration, non-investigation cases, up to Sum assured of 50 lacs. Applicable for branch walk in. Time limit to submit claim to Tata AIA by 2 pm (working days). Subject to submission of complete documents. Not applicable to ULIP policies and open title claims.
• ⁵On enrolling into the wellness Program, you get an upfront discount of 5% on first year premium for Accidental Death, Accidental Total & Permanent Disability, Accidental Disability Care Benefits and of 10% on first year premiums of the other benefit options. The rewards are offered on cumulative basis and in any year, the maximum rewards in view of both the upfront rewards and annual rewards _ex together shall be 15% for Accidental Disability Care and 30% for all other benefit options. Discount is driven by accumulated points which is achieved through wellness status. Please refer policy document for more details.
• 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 
• ⁶Winner Insurance Category. Pan-India Survey of 2250 people by NielsenIQ across categories.
• ⁷Tata 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.
• 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/Misc/2023/Mar/0082