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Life can be unpredictable.You might be doing everything right to secure your family’s future, and then suddenly, things take a turn. Life insurance acts as a financial shield in these unexpected moments, protecting your loved ones from financial hardship in your absence.
Tata AIA Life Insurance recognizes the vital importance of comprehensive coverage.To secure the financial future of your loved ones, we have introduced the Tata AIA Sampoorna Raksha Promise. 'Sampoorna Raksha' means 'complete protection,' and this plan reflects our unwavering commitment to that promise, ensuring your family's future is fully safeguarded.
Get whole life cover up to 100 years of age5 for long-term peace of mind.
Receive a 100% return of premium with the Life Promise Plus4 plan option and save more.
Get a 10% digital discount7 plus an additional 8.5% salaried discount8 for salaried individuals on your first-year premium! Start saving now!
Get additional 2% discount9 (up to Rs. 500) on first year premium for first jobbers, newly-weds, first-time parents and recent homeowners.
Get instant payout of ₹3 lakh on claim intimation3 offering temporary financial relief.
Extend protection to your spouse with the joint life option.
Choose to receive the death benefit as a lump sum or in instalments for ongoing support.
Upon diagnosis of a terminal illness, the life insured will receive 50% of the base sum assured to manage the immediate expenses.
This plan waives future premiums if the life insured is diagnosed with a terminal illness, easing your financial burden.
The FlexiPay Benefit6 allows you to defer premium payments for up to 12 months, offering temporary financial relief.
Get a 15% discount on premiums if you are a female policyholder.
Enhance your plan with comprehensive riders15 offering unique health and wellness benefits for additional security.
Secure your child's future with the Family Plan option, allowing you to transfer the legacy sum assured to them.
When you buy a term insurance plan, you can avail tax10 benefits as per the applicable Income tax laws and save up to Rs. 46,80011 annually.
2% Nominee and Family discount16 on first year premiums for nominee and family members of the existing customer of TATA AIA Life’s Insurance products
Mr. Nakul, 30-year-old, non-smoker healthy Male, salaried professional, opting for Tata AIA Life Insurance Sampoorna Raksha Promise, Life Promise Option.
AGE
30
1st Year
Life cover of ₹1 Crore from day 1
AGE
50
20th Year
Nominee will get ₹3 Lakh instantly (within 24 hrs) on Instant Claim Payout’ benefit3The remaining ₹97 Lakh is paid out at the time of claim settlement.
AGE
60
30th Year
No benefit will be paid and life cover ends.
Mr. Rahul, 35-year-old, non-smoker healthy Male, Self-employed, opting for Tata AIA Life Insurance Sampoorna Raksha Promise, Life Promise Option. Mr. Rahul opts for a Life Cover of 1 Cr.He also opts for an Accidental Total and Permanent Disability (ATPD) of Rs. 1 Cr and a CritiCare Plus (CCP) of Rs 10 Lakh riders15.
AGE
30
1st Year
Life cover of ₹1 Cr + ₹1 Cr Accidental Total & Permanent Disability + ₹10 Lakhs Critical Illness benefit
AGE
48
18th Year
Rahul gets lump sum ₹1 Crore & ATPD rider terminates
AGE
55
25th Year
Rahul gets lump sum ₹1 Crore & Accidental Total and Permanent Disability rider terminates
AGE
60
30th Year
Nominee will get ₹3 Lakh instantly (within 24 hrs), ‘Instant Claim Payout’ benefit10
The remaining ₹97 Lakh is paid out at the time of claim settlement
AGE
70
40th Year
No benefit will be paid and life cover ends
Mrs. Kavita, 30-year-old, non-smoker healthy female, self-employed, Mrs. Kavita expects some benefit in case she survives the policy term and hence opts for Tata AIA Life Insurance Sampoorna Raksha Promise, Life Promise Plus Option. Purchased digitally.
AGE
30
1st Year
Life cover of ₹ 1 Crore from day 1
AGE
50
20th Year
Nominee will get ₹3 Lakh instantly (within 24 hrs), ‘Instant Claim Payout’ benefit3
The remaining ₹97 Lakh is paid out at the time of claim settlement
AGE
60
30th Year
Mrs. Kavita will receive Maturity Benefit of Rs. 6,48,840 & life cover ends.
Your claims are settled within 4 hours12
99.13% Individual Death Claim Settlement Ratio2 in FY 2023 – 24
Families protected so far14
Presence across major cities in India
12T&C apply
Option 1: Life Promise
The Life Promise Option offers customizable and comprehensive protection for your family's financial security. With enhanced coverage options, this plan provides continuous support.
1. Tailored Coverage: You can choose the base sum assured (SA) at the time of purchase, subject to underwriting eligibility.
2. Death Benefit Assurance: If the policyholder dies during the policy term, then the nominee will receive the stipulated death benefit. This amount is the sum assured at the time of death minus any accelerated benefit payout. The policy is terminated after the death benefit is paid.
3. Payor Accelerator Benefit: This benefit provides financial relief upon a terminal illness (TI) diagnosis. All your future premiums are waived, and you will receive 50% of the base sum assured as a lump sum to manage immediate expenses.
4. Maturity Benefit: If the policyholder survives till maturity, no additional benefit is payable, and the policy terminates.
Option 2: Life Promise Plus
Shield your family beyond the ordinary with Life Promise Plus Option that go beyond life insurance. Receive a guaranteed maturity payout, ensuring your investment is preserved and your coverage remains intact!
1. Customized Protection Plan: When you purchase your policy, you can choose the amount of coverage (Base Sum Assured) that best suits your family's needs.
2. Comprehensive Death Benefit: If the policyholder dies during the policy term, then the nominee will receive a payout known as the death benefit. This amount is calculated based on the effective sum assured, which considers your initial Base Sum Assured and any additional coverage options you have selected minus any payor accelerated benefit payout. Once the death benefit is paid, the policy will terminate.
3. Flexible Coverage Enhancements: Increase your coverage with the life stage or top-up sum assured options. These enhancements are included in the effective sum assured for death benefit calculations.
4. Financial Support During Illness: When you face a terminal illness, you are eligible to receive a lump sum payment that equates to 50% of the base sum assured upon confirmation of a terminal illness.
5. Future Premium Waiver: If a terminal illness claim is accepted, all future premiums are waived, allowing the policy to remain in force for the remaining benefits without financial strain.
6. Return on Premium: Upon surviving the policy term, you will be provided with 100% of the total premiums paid (excluding loading for modal premiums and discounts) for the benefit option and any opted Cover Enhancement Options, ensuring your investment is returned and your coverage continues.
Our experts are happy to help you!
What is a term life insurance plan?
A term insurance plan is a type of a life insurance that provides comprehensive coverage to safeguard the financial future of your loved ones. In case the policyholder passes away during the policy term, the nominee will receive a death benefit amount.
Term Insurance plans are affordable, and the premium amount is less if you buy at a younger age. Term insurance plans are a must-have for anyone who is a breadwinner for their family and has loved one’s dependent on their income.
Who should consider buying a Term Insurance Plan?
A Term Insurance Plan is ideal for:
Individuals looking for a simple and affordable insurance plan to secure their family's financial future.
Have dependents like a spouse, children, or aging parents to take care of.
Those who want to cover financial liabilities like a home loan, education loan, or any other debts.
What are the key features of a Term Insurance Plan?
Affordability: A term premium plan is affordable if purchased early. With increase in age, the premiums may also increase hence it is suggested to buy a term plan as early as possible to secure the financial future of your family.
High Sum Assured at Lower Premiums: You can choose a high sum assured at a relatively low premium, thus ensuring that your family’s future is secured.
Flexible Premium Payments: You can select the policy term and the premium payment term based on your financial needs.
Tax Benefits: Premiums paid for term insurance plans are eligible for income tax11 benefits under Section 80C of the Income Tax Act, and the death benefit is usually tax-free under Section 10(10D).
What is the FlexiPay Benefit offered by Tata AIA Sampoorna Raksha Promise?
With the FlexiPay Benefit6 you can defer your premium payments for up to 12 months, offering temporary financial relief in case of unexpected situations.
What are the additional benefits for women policyholders?
Women policyholders who purchase Tata AIA Sampoorna Raksha Promise will get a 15% discount on their premium amount, making this plan more affordable for them.
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