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Term insurance for women provides a sum assured and secures their family's financial future. Today, many women manage both personal and Read more professional responsibilities, which makes financial planning important. A term insurance plan helps ensure that your loved ones are not financially burdened in case of your demise. Many insurers also offer lower premium rates or benefits designed to suit women's specific needs. It may also help you manage various needs such as household expenses, loans, or caring for ageing parents. Buying term insurance early may help you get lower premiums. Read less
Term insurance for women provides a sum assured and secures their family's Read more financial future. Today, many women manage both personal and professional responsibilities, which makes financial planning important. A term insurance plan helps ensure that your loved ones are not financially burdened in case of your demise. Many insurers also offer lower premium rates or benefits designed to suit women's specific needs. It may also help you manage various needs such as household expenses, loans, or caring for ageing parents. Buying term insurance early may help you get lower premiums. 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/month
Save ₹1,202 with discounts
Includes 10% digital + 8.5% salaried discount on 1st year premium
Excludes GST
Our sales representative will connect with you soon to assist further
Tata AIA Sampoorna Raksha Promise - Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN:110N176V05)
Shubh Shakti is a term insurance plan specifically designed for women. It provides financial security along with health benefits like annual check-ups, cancer, PCOS check-ups, and doctor consultations.
Women get lower premium rates, flexible payment options during pregnancy, and special support for single mothers. You can also add extra benefits like child education protection3 and waiver of future premium2 if your spouse dies in an accident.
With Shubh Shakti term insurance, you benefit from lower premiums, comprehensive health services, and long-term financial security.
Shubh Shakti is a combination of Tata AIA Sampoorna Raksha Promise (Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product) UIN:110N176V07 and Tata AIA Health Buddy (Non-Participating, Non-Linked Individual Health Product) UIN: 110N183V01. Tata AIA Sampoorna Raksha Promise and Tata AIA Health Buddy are also available for sale individually without the combination offered/ suggested.
Shubh Shakti is a term life insurance plan that secures your family financially in case you pass away during the policy term. You pay periodic premiums for a specified time, and in return, your family receives a lump sum amount known as the sum assured in case of death during the policy duration.
Besides financial security, the plan offers health benefits like discounts on medical tests and medicines alongside specialist consultations. It also offers lower premiums, the option to pause payments during pregnancy4, and extra support for single mothers5. Additionally, you can include benefits such as child education protection3 or a premium waiver2 if your spouse dies in an accident.
For example, if Riya purchases Shubh Shakti and pays premiums for 20 years, her family will receive the amount assured if she dies within the policy duration. Riya can also access healthcare benefits, such as annual check-ups and doctor consultations, in addition to financial assistance.
For a nominal additional premium, you get access to extra wellness services such as teleconsultations, vaccinations, health check-ups, and discounts on medicines and much more.
Here are the reasons to buy a term plan for women.
Term life insurance protects your family financially in case of an unexpected death. It covers everyday expenses, loans, and future educational expenses for your children.
Women pay lower premiums than men, which makes it easier to maintain coverage and stay within budget.
You can keep track of your health by accessing preventive health care services like annual check-ups and cancer screenings.
There are features that provide financial relief during important life stages, such as premium breaks during pregnancy4.
Single mothers5 receive special discounts, making it more convenient to secure their families' futures.
Benefits like child education3 protection and waiver of premium2 on spouse’s accidental death provide extra financial support.
Shubh Shakti term plan comes with life coverage and medical benefits, providing an all-in-one solution especially suited to the needs of women.
Premiums paid towards the Shubh Shakti plan are eligible for tax6 deductions under Section 80C of the Income Tax Act, 1961. Additionally, the maturity benefit or death benefit received may be tax-free6 under Section 10(10D), subject to prevailing tax laws.
The Shubh Shakti term insurance plan offers following features:
Premium rates for women are lower throughout the entire policy term. This makes life insurance more manageable and affordable in the long run.
The plan offers a lump sum amount to your dependents in the event of your death within the policy duration. The money can be used to pay for regular expenses, loans, and future expenses.
Women can get annual full-body health checks, including women-specific health screenings, and consultations with specialist physicians through telemedicine or physical visits.
During pregnancy, women can pause premium4 payments for up to 12 months. Such benefits provide temporary financial relief without compromising insurance coverage at a critical time.
With an additional premium, you can add a benefit that helps fund your child's education9 until they turn 21 or 25. This helps to secure children's future in your absence.
When your spouse dies due to an accident, the insurer will waive future premiums8, ensuring your coverage continues.
There is a special lifetime discount on premiums for single mothers5. As a result, it becomes convenient to manage term insurance coverage along with their essential responsibilities.
For a nominal additional charge, you can get access to extra wellness services such as teleconsultations, vaccinations, health check-ups, and discounts on medicines.
The policy provides discounts on pharmacy purchases (in-shop and home delivery) and access to wellness programs such as fitness plans and mental health consultations for overall wellness.
TATA AIA Health Buddy- Non-Participating, Non-Linked, Individual Health Product (110N183V01)
Tata AIA understands the diverse needs for women. Hence, exclusive benefits are offered for them with Shubh Shakti, which includes:
Enjoy a 15% lower premium for women compared to male lives, offering substantial savings over time. This reduced premium is applied every year throughout the Premium Paying Term (PPT), ensuring long-term affordability and financial security.
Ensure your child’s higher education is financially secured. With a relatively small addition to the premium, women can add this feature to their term insurance, which helps ensure a monthly payout towards their child’s education until age 21 or 25. This helps provide stability and financial planning for parents.
Flexibility of taking a 10premium break for up to 12 months during pregnancy, providing financial relief at a crucial time. This break allows policyholders to pause their premium payments without affecting the continuity of their coverage. During this break, the premiums due for the holiday period can be paid in full along with the next scheduled premium payment, ensuring that there are no disruptions in the policy’s benefits.
If the policyholder’s spouse passes away due to any accident during the premium payment term (PPT), the future premiums are waived off. This helps ensure continued coverage, which may reduce the financial burden during your difficult time. Coverage remains active, which helps ensure long-term security for the policyholder and their families.
Term insurance plans offer a 1% lifetime premium discount for single mothers, which helps manage long-term coverage along with their added responsibilities. This discount helps make term insurance plans more accessible and financially affordable.
Wellness benefits such as in-person clinic consultations and health check-ups, provides access to essential services that safeguards the policyholder and their loved ones from financial burden of outpatient treatments.
TATA AIA Health Buddy- Non-Participating, Non-Linked, Individual Health Product (110N183V01)
Under Health Buddy Enhance, women have multiple benefits such as Annual health check-up, Lifestyle & Condition Management, Women Care, Wallet for Vaccinations, Medicines, Tests & Spectacles Benefit & Specialist consultations.
Benefit from a detailed yearly health check-up that goes beyond standard tests. This check-up includes full-body health check-ups to detect hidden risks early.
Women-specific screenings like PAP smear to detect cervical cancer risk, anemia tests to monitor iron levels, and PCOS tests for hormonal imbalance, ensuring complete preventive care tailored for women and much more.
Get 4 Teleconsultation per month and 4 OPD consultation per year with top doctors across specialties that are important for women’s long-term health, including:
Orthopedics (for bone & joint health), Endocrinologists (for thyroid, diabetes & hormone issues), Neurologists (for brain & nerve health), Urologists (for urinary concerns), Diabetologists and Cardiologists to comprehensively safeguard your health.
Stay protected against major health risks with a dedicated wallet that helps cover:
PCOD management programs with diet, exercise and stress control guidance. IVF counselling to help you understand fertility options and make informed choices
Structured programmes to help you manage chronic conditions and lead a healthier lifestyle:
Discounts on medicines, lab tests, and spectacles. Cashless or reimbursement options that reduce the money you pay from your own pocket for routine health requirements.
Get medical second opinion from specialists, and a case manager doctor for guidance throughout the process. Additional services such
The Dental Wellness plan includes two in-person consultations with a dentist, including orthodontist services. Cashless reimbursement facility of up to Rs 1000 is also available for each consultation, credited to the wallet.
Under Value Added Services, customers can avail discounted prices in pharmacy ordering for both in-store and home delivery, as well as discounted diagnostics for home sample collection or center visits. Additionally, the plan provides access to wellness sessions, videos, and podcasts, including personalized fitness programs and mental health content such as yoga, meditation, mindfulness, dance fitness, and specialist medical sessions.
Calculate Term Premium For 1 Crore
Gender
Male
Monthly premium
The following table highlights who should buy term insurance for women.
Women Category |
How Term Insurance Helps |
Salaried Professionals |
Provides a financial safety net for dependants in case of unexpected demise. |
Homemakers |
Helps secure children’s education and family needs without relying on personal income. |
Entrepreneurs |
A term plan may help run a business and manage family expenses during a financial crisis. |
Divorced or Widowed |
Helps ensure long-term protection for children or dependants without a co-earning partner. |
Single Mothers |
1% lifetime discount11 applicable every year throughout the PPT |
Non-Resident Indian (NRI) Women |
Term insurance helps fulfil both their international aspirations and family security in India |
Before buying term insurance for women, consider the following:
The younger you are, the lower your term insurance premium for women can be. Early purchase can help you ensure coverage for a longer policy term at competitive rates.
Choose a sum assured based on your family’s lifestyle, future responsibilities, and ongoing liabilities like home or education loans.
Ensure the plan acts as your income replacement and supports dependents like children, spouse, or ageing parents during difficult times.
A high claim settlement ratio indicates the insurer’s reliability in settling claims quickly and without delays.
Here is how you can choose the right term insurance plan for women.
The following table helps you understand when to buy term insurance for a housewife.
Life Stage |
Why it Helps |
During Marriage |
Buying term insurance during marriage helps protect you and your spouse’s financial future. |
During Parenthood |
If you buy term insurance during parenthood, it helps you secure your children’s future. |
Retirement Phase |
Buying term insurance during retirement helps ensure financial security when regular earnings stop. |
Yes, women can purchase Shubh Shakti term insurance. Tata AIA offers a range of term insurance plans designed specifically for women.
All women, whether working professionals, homemakers, or freelancers, are eligible for Shubh Shakti term insurance plans from Tata AIA.
The age limit for purchasing Shubh Shakti term insurance plans is until the age of 65.
Women typically have a longer life expectancy, which results in lower premiums for term insurance plans.
The Shubh Shakti coverage depends on your financial obligations and family needs. Tata AIA can help you calculate an adequate sum assured.
Yes, Tata AIA’s Shubh shakti term plans offer rider12 like accidental death benefits under Health Buddy for added protection.
Shubh shakti term insurance provides financial protection for women and their families, ensuring that financial stability is maintained in case of any unfortunate event.
Yes, housewives can get Shubh Shakti plans based on their spouse’s income or joint family planning.
The tax benefits of the Shubh Shakti plan include premium deductions under Section 80C, and maturity claims may be tax-free4, as per applicable tax law.
Yes, you can buy Shubh Shakti term insurance for your wife, as it helps ensure financial support for the family in case of any unfortunate event.
Yes, a woman with pre-existing conditions can get Shubh Shakti term insurance, but it may be subject to medical checks and a relatively higher premium, depending on the insurer.
Shubh Shakti term insurance helps single mothers secure their children’s future in case of their untimely death.
Disclaimers
Tata AIA Sampoorna Raksha Promise - Non-Linked, Non-Participating, pure risk, Individual Life Insurance Product (UIN:110N176V07)
Tata AIA Maha Raksha Supreme Select - Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN: 110N171V11)
Shubh Shakti is a combination of Tata AIA Sampoorna Raksha Promise (Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product) UIN:110N176V07 and Tata AIA Health Buddy (Non-Participating, Non-Linked Individual Health Product) UIN: 110N183V01. Tata AIA Sampoorna Raksha Promise and TATA Health Buddy are also available for sale individually without the combination offered/ suggested.
Health Buddy Enhance is part of the wellness offerings of TATA AIA Health Buddy. It is the customer’s sole discretion to avail the services. A waiting period of 30 days from the date of issue of the policy is applicable to avail these services. All medical-related services will be directly provided by the Service Providers and not by Tata AIA Life Insurance.
These services shall be subject to the availability of the Service Provider. Tata AIA Life Insurance shall not be liable for any liability arising due to customer opting to avail this feature from the Service Providers. For more details on the benefits covered, please refer to the website, contact our Insurance Advisor/Intermediary, or visit our nearest Branch Office.
These services shall be subject to the availability of the Service Provider. Tata AIA Life Insurance shall not be liable for any liability arising due to customer opting to avail this feature from the Service Providers.
For more details on the benefits covered, please refer to the Brochure or contact our Insurance Advisor/ Intermediary or visit our nearest Branch Office.
1Illustrated 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 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.
2Under waiver of premium on husbands’ accidental death, all future premiums payable by the Life Assured shall be waived off and the policy shall continue to stay inforce till the end of the Policy Term. Please refer to the full policy document for more details.
3The Child Education Protect benefit provides regular monthly income till the Childs chosen age post death of the life assured. Please refer to the full policy document for more details.
4Premium break due to pregnancy is an inbuilt feature that is allowed twice during the premium paying term, subject to a two-year gap and prior intimation 60 days in advance. This feature activates only after payment of two full years’ premiums. Please refer to the full policy document for more details.
5Single mother discount is a lifetime 1% discount offered to Single Mothers i.e. for women policyholder with a child (including adopted children) who is either single, divorced or the spouse is deceased at the date of inception of the contract.
6Income 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.
789,43,554 families protected till 31st May 2025
8Retail Sum Assured for FY24-25 is ₹7,90,982 Crore
9Applicable to only non-early claims with more than 3 years of policy duration, non-investigation cases, up to Sum Assured of ₹50 Lakh. 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.
It is the customer’s sole discretion to avail the services and to follow the treatment path suggested by the Service Providers. All medical-related services will be directly provided by the Service Providers and not by Tata AIA Life Insurance. It is available only for Life Insured of active policies for select product/riders. Availing this feature grants permission to service providers to contact the customer about these Health Management Services. These services shall be subject to the availability of the Service Provider.
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/2025/Aug/2845