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

Tata AIA Life InsuranceSampoorna Raksha Supreme

Name: Sampoorna Raksha Supreme
Brand: Tata AIA Life Insurance
Rating: 5 (20 reviews)

Tata AIA Life Insurance Sampoorna Raksha Supreme is a comprehensive term life insurance plan that offers you flexible plan options to secure your family’s financial future. Experience our Rakshakaran ki Reet by protecting your family, from uncertainties of life.

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Benefits of Tata AIA Life Insurance

Sampoorna Raksha Supreme – A Term Plan

Get Your Term Insurance Premiums Back**

Recover the premium paid during the policy tenure - Benefits of Tata AIA Life Insurance Sampoorna Raksha Supreme

Get Your Term Insurance Premiums Back**

You can recover the premium you had paid during the policy tenure. Under the Life Plus option, you can receive 105% of the total term insurance premiums you paid towards the policy at the end of the policy term, on survival, if the policy is not terminated earlier.

Increase Life Cover at Important Milestones

Boost your life insurance cover to meet the increased financial needs and liabilities at different stages of your life. With the Life Stage* option benefit, you can increase your base sum assured at specific life stage events such as marriage, becoming a parent or home loan disbursal by paying an additional nominal premium amount.

Get Whole Life Coverage

You can get whole life coverage up to 100 years of age^ to guarantee long-term financial security for your loved ones. This allows you peace of mind knowing your family will be taken care of at every stage of your life.

Get Income Tax Benefits^~as per Applicable Tax Laws

When you purchase a term insurance plan, you get Tax Benefits as per applicable tax laws thus it will help you to save on tax.

Online Medical Consultation^# Facility

The online medical consultation facility lets you access health management services from registered service providers, ensuring appropriate diagnosis and treatment for your ailment.

Enhance your Protection with Optional Riders^##

Riders are addon cover to the base policy which will provide additional benefits. Choose an optional rider for your policy for better coverage against critical and terminal illness, accidental death, etc., with a lump sum amount or income for a fixed period.

Highlights of Tata AIA Life Insurance
Sampoorna Raksha Supreme

Multiple Payment
Options

The plan includes flexible premium payment options for you, which allows you to pay for the policy coverage at your convenience. Under this policy, you can choose from single, monthly, half-yearly, quarterly, and yearly premium payment frequency options. Likewise, you can also opt for the regular or limited pay option, depending on the benefit option chosen.
Lower Premium
Rates for Women

The premium rates for women policyholders will be lower as compared to smokers, non-smokers or also their male counterparts. Women policyholders or female life insured can get lower premium rates on their insurance policy.
Death Benefit
Pay-out

Secure your family’s financial future in your absence and ensure they lead an independent life in your absence with the death benefit pay-out. In case of death of the life assured for an in-force policy (all due premiums have been paid), the death benefit will be paid to the nominee as per the plan option chosen.
Flexibility to
Choose Plan Option

Choose from four flexible plan options under this policy, each designed to serve your unique insurance needs. You can opt for the Life Option, Life Plus Option, Life Income Option and Credit Protect Option, as per your life cover needs. The Inbuilt Payor Accelerator Benefit pays out 50% of the Basic Sum Assured when you are diagnosed with a Terminal Illness. This pay-out is made in the form of a lump sum.
Option to get
Income Pay-outs

The policyholder can choose the Income Start Age to begin receiving regular monthly income, as per the applicable plan option. You can select the Income Start Age at the age of 55, 60 or 65 years, based on your last birthday, to start receiving your regular monthly income for a peaceful life, free from financial worries. However, this age needs to be determined at the start of the policy.
Maturity
Benefits

Provided all term insurance premiums are paid on time, you will enjoy the term insurance plan benefits of the return of premium** payment upon policy maturity.In the Life Plus option, a 105% return of the total premiums on the base policy will be paid out to you as term insurance plan with maturity benefit. Under Life/Credit Protect/Life Income, only the total sum assured is paid to your family in case of your untimely demise during the policy term.
Top-Up Sum
Assured

Get the option to beat the effect of inflation on your coverage with a regular increase in your sum assured. With the top-up premium feature, you can opt to increase your base sum assured by a fixed 5% for every policy anniversary by paying an additional premium for every increase. This option is available under the Life and Life Plus option and can be opted for at policy inception.
Income Term and
Payment Flexibility

The income period refers to the specific number of years after the policy maturity date, wherein you receive the term insurance plan with maturity benefit.The policyholder can choose an income term of up to 60 months after the maturity of the policy if they select the income option. Or one can also choose to receive the term insurance plan with maturity benefit in the form of a lump sum at the end of the policy.

Table of Content

Why is Term Insurance Plan Essential?
Product Snapshot
Traditional Term Insurance vs Tata AIA Life Sampoorna Raksha Supreme Policy
Who Should opt for Tata AIA Life Sampoorna Raksha Supreme Plan?
Why do you need Tata AIA Life Sampoorna Raksha Supreme Plan?
Enhance Your Cover with These Riders
Eligibility Criteria
Documents Required

How Does Sampoorna Raksha Supreme Plan Work?
Benefit Illustration
Claim Settlement Process
Similar Term Insurance Policy Products
Download Section
Frequently asked questions (FAQs) About Term Insurance Policy
Need more information? Let us help you
Disclaimer

Why is Term Life Insurance Essential? | Tata AIA Life Insurance

Why is Term Insurance Plan
Essential?

Term insurance serves an important purpose of providing a protective life cover to your loved ones and securing them against financial hardships in your absence. However, at some of the various stages of life, our insurance needs also change.

The Tata AIA Sampoorna Raksha Supreme Plan can help you meet certain important milestones and aid you in securing the financial future of your loved ones better at various stages of life. Besides, there are multiple advantages of buying a term insurance plan early.

Provides Financial Security

Buying a term plan is important if you are the sole bread earner in your family. In case of any unfortunate event, term plans help to cover the risk and secure the future of your loved ones.

Get Large Cover
at Lower Premium³

When you are young, you have limited responsibilities, and you are just starting your career. As a salaried individual, you should opt for adequate life cover protection for your family in return for affordable premiums that do not burden your earnings.

Early Mover
Advantage

With an increase in age, your premium may also increase. When you buy the term plan online in India at an early age it is more affordable.

Avail
Tax Benefits

When you purchase a term plan, you get Tax Benefits~ as per applicable tax laws thus it will help you to save on tax.

Product Snapshot

Tata AIA Sampoorna Raksha Supreme Life Insurance Product Snapshot

Tata AIA Life
Insurance

Sampoorna Raksha Supreme Policy

Basic Sum Assured¹

₹1,00,000
Choice of Plan Options

Life, Life Plus, Life
Income, Credit Protect
Life Cover up to

100 years

Rider Options

Non-Linked Comprehensive
Protection Rider (UIN: 110B033V02) & Non-Linked Comprehensive
Health Rider (UIN: 110B031V02)
Premium Paying Options

Pay your term insurance premiums in form of Single payment, Annual payment, Half-yearly payment, Quarterly payment and Monthly payment options
Claim Settlement Ratio²

98.53% in FY 2021 - 22

Traditional Term Insurance vs Tata AIA Life Sampoorna Raksha Supreme Policy

Parameters
Return of Premiums
Whole Life Coverage
Comprehensive Financial Security
Choice of Premium Payment Options
Life Stage Option Benefit
Flexible Payout Options
Waiver of Premiums

Traditional Term Plans
Traditional term plans that offer a pure risk cover do not offer a return of premiums on survival.
These term plans offer pure risk cover only up to a limited number of years.
A simple and traditional term insurance plan only offers a death benefit to your loved ones.
Traditional term plans generally offer limited and fixed options when it comes to the payment of term insurance premiums in return for life cover protection.
Traditional term plans do not often offer the benefit of increasing the policy coverage systematically during important stages of your life.
There may not be much of a choice when it comes to receiving the death benefit payouts from a traditional term plan.
The term insurance coverage of a pure risk term plan ends when you are unable to make premium payments to uphold the policy.

Sampoorna Raksha Supreme Policy
You can get 105% of the total premiums** paid as a survival benefit under the Life Plus Option.
Under this plan, you can avail of whole life coverage up to 100 years of age*.
With a range of rider options, you can be covered against critical illness, accidental death, etc., under this plan.
This solution allows you to choose between Single Pay, Limited Pay and Regular Pay as well as flexible premium payment modes.
The Life Stage Benefit Option lets you increase your insurance cover by 25%, 50% or 100%, in accordance with the requirement during a certain life stage.
With our solution, you can opt for a lump sum payout or a regular income of up to 60 months or a combination of both options.
The rider option under this plan enables you to uphold the policy and waives off future term insurance premiums while keeping the policy in effect.

Who Should opt for Tata AIA Life Sampoorna Raksha Supreme? | Tata AIA Life Insurance Policy

Who Should opt for Tata AIA Life Sampoorna Raksha Supreme Plan?

The Tata AIA Life Insurance Sampoorna Raksha Supreme has been designed as a comprehensive solution to meet individual insurance needs, irrespective of age group, profession, life stage, etc. With a complete solution such as this, you and your family are protected against the financial insecurities and uncertainties as well as critical ailments, accidental death, major and minor injuries and illness, and much more!

Young Individuals

This plan can be quite beneficial for single individuals, who may be responsible for their aged parents’ care. In the absence of this individual, the life insurance cover will provide financial assistance to the senior parents. For such a person, the Life Option can be an ideal choice as it offers pure life cover along with an in-built Payor Accelerator Benefit that offers an additional benefit of 50% of the base sum assured in the form of a lump sum in case a terminal illness is diagnosed.

Young Individuals

This plan can be quite beneficial for single individuals, who may be responsible for their aged parents’ care. In the absence of this individual, the life insurance cover will provide financial assistance to the senior parents. For such a person, the Life Option can be an ideal choice as it offers pure life cover along with an in-built Payor Accelerator Benefit that offers an additional benefit of 50% of the base sum assured in the form of a lump sum in case a terminal illness is diagnosed.
Married Couples

It is essential for newlyweds to buy a term insurance plan as with marriage you get additional responsibilities of your spouse. After your marriage, the Life Stage benefit option from Tata AIA Life Insurance Sampoorna Suraksha Supreme plan benefit can be handy for helping you increase your sum assured by 50% to help you cover your partner and take care of newer responsibilities.

Married Couples

It is essential for newlyweds to buy a term insurance plan as with marriage you get additional responsibilities of your spouse. After your marriage, the Life Stage benefit option from Tata AIA Life Insurance Sampoorna Suraksha Supreme plan benefit can be handy for helping you increase your sum assured by 50% to help you cover your partner and take care of newer responsibilities.
Young Parents

Couples who are planning to or already have a child/children can utilise the plan’s Life Stage Benefit option to increase their plan’s coverage by 25%. Apart from the life cover offered by base plan option, you can also choose to Top-Up their sum assured by 5% of the basic sum assured that was chosen at policy inception. At each policy anniversary, you can get this additional coverage with the payment of extra term insurance premiums.

Young Parents

Couples who are planning to or already have a child/children can utilise the plan’s Life Stage Benefit option to increase their plan’s coverage by 25%. Apart from the life cover offered by base plan option, you can also choose to Top-Up their sum assured by 5% of the basic sum assured that was chosen at policy inception. At each policy anniversary, you can get this additional coverage with the payment of extra term insurance premiums.
Entrepreneurs

In general, a term insurance policy can be helpful in protecting your family from the financial risks of unpaid business loans and debts in case of the untimely demise of the life assured. The extensive death benefit can handle all the unsettled debts while taking care of your family’s daily sustenance.

Entrepreneurs

In general, a term insurance policy can be helpful in protecting your family from the financial risks of unpaid business loans and debts in case of the untimely demise of the life assured. The extensive death benefit can handle all the unsettled debts while taking care of your family’s daily sustenance.
Retired Individuals

The Life Income Option under this solution provides the dual benefit of death benefits as well as regular monthly income making it an ideal choice for a stable future income to safeguard the financial security of your loved ones. Therefore, while planning your retirement, the Life Income Option can enable you to receive a steady income from an Income Start Age at 55, 60 or 65 years, as selected by you. This way, you can continue receiving regular income through this plan option until your demise or till the end of the policy term.

Retired Individuals

The Life Income Option under this solution provides the dual benefit of death benefits as well as regular monthly income making it an ideal choice for a stable future income to safeguard the financial security of your loved ones. Therefore, while planning your retirement, the Life Income Option can enable you to receive a steady income from an Income Start Age at 55, 60 or 65 years, as selected by you. This way, you can continue receiving regular income through this plan option until your demise or till the end of the policy term.
Working Women

Working women have responsibilities like looking after their family or old parents, managing their own expenses, making investments, planning a new business venture, their wedding, etc. In the absence of the woman, the sum assured of a term plan can effectively enable the bereaved family to take care of the financial responsibilities. Therefore, life insurance for women is a necessity.

Working Women

Working women have responsibilities like looking after their family or old parents, managing their own expenses, making investments, planning a new business venture, their wedding, etc. In the absence of the woman, the sum assured of a term plan can effectively enable the bereaved family to take care of the financial responsibilities. Therefore, life insurance for women is a necessity.

Why Do You Need Tata AIA Life
Sampoorna Raksha Supreme Plan?

The Tata AIA Sampoorna Raksha Supreme and its flexible plan options are designed to help you meet your insurance needs. At each life stage, regardless of one’s gender, occupation, age, etc., this plan can prepare your family for life’s uncertain events.

01.
When it comes to choosing a simple life cover, you can opt for the Life Option to secure the needs of your loved ones in your absence.
02.
If you want a return on the term insurance premiums of your insurance plan, the Life Plus Option enables you to receive 105% of the total term insurance premiums** paid on your base plan as a survival benefit.
03.
The Life Income Option offers regular income as well as a death benefit. You can choose to receive the income payouts at convenient age selected by you.
04.
The Credit Protect option offers a pure risk cover that you can use to protect your dear ones against unpaid loans and debts in your absence.
05.
All the plan options offer an in-built Payor Accelerator Benefit advances a benefit equal to 50% of your sum assured if you are diagnosed with a terminal illness.
06.
Additionally, you can also enhance your life insurance coverage with the rider^## options available for all the plan options.

Enhance Your Cover with These Riders

Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider (UIN: 110B033V02)

Additional coverage against unforeseen events like accidental death, accidental disability, critical illnesses including cancer and cardiac conditions, and terminal illnesses, and more.
Option to extend the rider coverage to protect your loved ones under the same plan.
Option to receive the balance premiums on maturity.

Tata AIA Life Insurance Non-Linked Comprehensive Health Rider (UIN: 110B031V02)

Additional coverage against different risks such as hospitalisation, accidental disability and critical illnesses like cancer and cardiac arrests at minor and major stages, and more.
Coverage against major ailments as well as major and minor illnesses or injuries along with multiple claim payouts.
Flexible choice of benefit payout as a lump sum, monthly income for 10 years, or lump sum and income for a fixed period.

Eligibility

Tata AIA Life Insurance Sampoorna Raksha Supreme - LIFE OPTION

Tata AIA Life Insurance Sampoorna Raksha Supreme - Life Option
Plan Option	Minimum Age at Entry	Maximum Age at Entry	Age at Maturity	Premium Payment Mode	Premium Payment Term (PPT) - Minimum	Premium Payment Term (PPT) - Maximum

Life (POS)	18 years	60 years	65 years	Annual, quarterly, half-yearly, monthly, single	Regular Pay - 60 months, Limited Pay - 60 months	Regular Pay - 564 months, Limited Pay - 563 months
Life (non-POS)	18 years	65 years	100 years	Annual, quarterly, half-yearly, monthly, single	Regular Pay - 13 months, Limited Pay - 13 months	Regular Pay - 984 months, Limited Pay - 983 months

Tata AIA Life Insurance Sampoorna Raksha Supreme - LIFE PLUS OPTION

Tata AIA Life Insurance Sampoorna Raksha Supreme - Life Plus Option
Plan Option	Minimum Age at Entry	Maximum Age at Entry	Age at Maturity	Premium Payment Mode	Premium Payment Term (PPT) - Minimum	Premium Payment Term (PPT) - Maximum
Life Plus (POS)	18 years	55 years	65 years	Annual, quarterly, half-yearly, monthly, single	Regular Pay - 120 months, Limited Pay - 60 months	Regular Pay - 564 months, Limited Pay - 563 months
Life Plus (non-POS)	18 years	65 years	100 years	Annual, quarterly, half-yearly, monthly, single	Regular Pay - 120 months,Limited Pay - 60 months	Regular Pay - 720 months,Limited Pay- 719 months

Tata AIA Life Insurance Sampoorna Raksha Supreme – CREDIT PROTECT OPTION

Tata AIA Life Insurance Sampoorna Raksha Supreme – Credit Protect Option
Plan Option	Minimum Age at Entry	Maximum Age at Entry	Age at Maturity	Premium Payment Mode	Premium Payment Term (PPT) - Minimum	Premium Payment Term (PPT) - Maximum
Credit Protect (POS)	18 years	60 years	65 years	Annual, quarterly, half-yearly, monthly, single	Regular Pay - 60 months, Limited Pay - 60 months	Regular Pay - 360 months, Limited Pay - 359 months
Credit Protect (non-POS)	18 years	65 years	95 years	Annual, quarterly, half-yearly, monthly, single	Regular Pay - 60 months, Limited Pay - 13 months	Regular Pay - 360 months, Limited Pay - 359 months

Tata AIA Life Insurance Sampoorna Raksha Supreme - LIFE INCOME OPTION

Tata AIA Life Insurance Sampoorna Raksha Supreme - Life Income Option
Plan Option	Minimum Age at Entry	Maximum Age at Entry	Age at Maturity	Premium Payment Mode	Premium Payment Term (PPT) - Minimum	Premium Payment Term (PPT) - Maximum
Life Income (non-POS)	20 years	60 years	100 years	Annual, quarterly, half-yearly, monthly, single	Regular Pay - N/A, Limited Pay - 60 months	Regular Pay - N/A, Limited Pay - 480 months

Documents Required

PAN card

Aadhar Card

Bank statement

(for the previous 6 months)

Salary Slip

Income Tax Reciept

How Does Sampoorna Raksha Supreme Plan Work?

Step 1 - Choose a Term Insurance Plan Option

Tata AIA Life Insurance Sampoorna Raksha Supreme offers these four options:

Life Option - the Life Option offers a pure risk cover, where the policyholder selects a suitable sum assured during the purchase of the policy. In case of the policyholder’s unfortunate death, the sum assured is paid out to the nominee. If the policyholder opts for the Top-Up sum assured or Life Stage Benefit option, then the death benefit will include the additional sum assured. The Life Option also has an in-built Payor Accelerator Benefit, which provides 50% of the sum assured on approval of a terminal illness claim.
Life Plus Option - The Life Plus Option provides a risk cover that offers a death benefit on the passing of the policyholder during the policy term. This option also includes the Payor Accelerator Benefit, and in case the policyholder outlives the term of the policy, a term insurance plan with maturity benefit, which is equivalent to 105% of the total term insurance premiums paid towards the base policy, is paid out to the policyholder.
Life Stage Income Option- This option provides a monthly income payout to the policyholder along with death benefits for the nominees. This plan has an inbuilt benefit called “Payout Accelerator Benefit” wherein the benefit amount equal to 50% of the Effective Sum Assured (as on the date of diagnosis) is paid out as lumpsum on acceptance of Terminal Illness (TI) claim by us.
Credit Protect Option - The Credit Protect Option provides the total sum assured as a death benefit to the nominees of the policyholder, subject to the payment of all the term insurance premiums to date. This pure risk cover also comes with the Payor Accelerator Benefit that aids the policyholder through payment of 50% of the sum assured, which will be paid out as a lump sum on approval of a terminal illness claim.

Step 2 - Choose a Suitable Sum Assured

The basic sum assured that can be chosen for this policy is INR 1,00,000, and while there is no limit on the maximum sum assured amount, it is subject to approval from the Board’s underwriting policy.

Step 3 - Choose the Policy Term and Premium Payment Term

Policy Term (PT) (Months)	For PoS:
	Benefit Option	Regular Pay		Limited Pay		Single Pay
	Benefit Option	Min.	Max.	Min.	Max.	Min.	Max.
	Life	60	564	61	564	60	564
	Life Plus	120	564	120	564	120	564
	Life Income	n/a	n/a	n/a	n/a	n/a	n/a
	Credit Protect	60	360	61	360	60	360
	For Other than PoS
	Benefit Option	Regular Pay		Limited Pay		Single Pay
	Benefit Option	Min.	Max.	Min.	Max.	Min.	Max.
	Life	13	984	14	984	1	984
	Life Plus	120	720	120	720	120	720
	Life Income	n/a	n/a	60*	960	60*	960
	Credit Protect	60	360	61	360	60	360
	*The minimum policy term will be subject to the minimum maturity age being at least equal to 65 years.

Premium Payment Term(PPT) (Months)	Regular Pay - Equal to Policy Term, subject to the boundary conditions mentioned below. Single Pay - Lump sum at Policy Inception Limited Pay - Subject to the boundary conditions below with maximum Premium Paying Term limited to Policy Term less 1 month. For PoS
	Benefit Option	Regular Pay		Limited Pay
	Benefit Option	Min.	Max.	Min.	Max.
	Life	60	564	60	563
	Life Plus	120	564	60	563
	Life Income	n/a	n/a	n/a	n/a
	Credit Protect	60	360	60	359

Premium Payment Term(PPT) (Months)	For Other than PoS
	Benefit Option	Regular Pay		Limited Pay
	Benefit Option	Min.	Max.	Min.	Max.
	Life	13	984	13	983
	Life Plus	120	720	60	719
	Life Income^$	n/a	n/a	60	480
	Credit Protect	60	360	13	359
	^$This option is available only for all premium payment terms from 60 to 180 months at a step of 12 months and 60 minus Age at entry for Age at entry less than 45, under Limited Pay.

Claim Settlement About Term Insurance Policy

The Tata AIA Sampoorna Raksha Supreme and its flexible plan options are designed to help you meet your insurance need.At each life stage, regardless of one's gender, occupation, age, etc., this plan can prepare your family for life's uncertain events.

Tata AIA Life Insurance helps you settle your claims in three easy steps –

Step 01

Register you claim online and upload your documents

Step 02

Documents are verified and claim is processed

Step 03

Claim amount is disbursed

Doorstep claim services

Our Easy Claim Initiative provides convenient claim service at your doorstep. The Beneficiary can call our helpline to schedule an appointment. Our Rakshakarta agent will visit your residence and help in completing the documentation and quickly initiate the claim process.
4 hour claim settlement

Also, with our Express Claims⁴ service, 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 hours.

Claim Settlement Process Video

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