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Term Insurance Calculator for NRIs

Your top priority is to secure the financial future of your loved ones, no matter what. With Tata AIA Life Insurance’s Term Insurance Calculator for NRIs, planning for a secure future has never been easier. Quickly estimate your term insurance premium based on your specific needs, and preferred coverage amount.

Our Best-Selling Term Plans for NRIs

Tata AIA

Sampoorna Raksha Promise

Key benefits:

Get whole life cover till 100 years of age¹
Get 100% premium amount back²
Avail up to 15% discount on first year premium³

Calculate Premium Know More

Non-Linked, Non-Participating, pure risk, Individual Life Insurance Product (UIN:110N176V02)

Term Insurance benefits for NRIs

Financial Security for Family Back Home

Term insurance provides a death benefit to the nominee, ensuring your family’s financial security even if you are residing abroad. This support helps cover immediate living expenses, education, and other essential needs.
Global Coverage

Regardless of where you stay, your family will receive the plan benefits in case of any unforeseen events.
Cost-Effective Premiums

Term insurance is one of the most affordable forms of life insurance, making it easier for NRIs to secure a high sum assured with manageable premium costs.
Flexible Payment Options

Policies tailored for NRIs often provide flexible payment options—annually, semi-annually, or monthly—allowing you to select a plan that fits your financial goals and budget.

Need more information

Our experts are happy to help you!

Are you an NRI?

Yes

Name

Plan

Why should NRI buy a term plan from Tata AIA Life?

01

Tailored plans for NRIs

Whether you're based in India or abroad, you can secure a plan that fits your lifestyle and provides financial protection for your loved ones.
02

Comprehensive Coverage

Get whole life coverage¹, with joint life cover to extend the protection to your spouse.
03

Flexible Payments

Choose from various payment frequencies and terms to suit your financial planning needs.
04

Dedicated NRI Support

Access a specialized helpdesk and better customer service for seamless assistance to purchasing a term plan.

Why Choose Tata AIA Life Insurance for your Insurance Needs?

99.13%

Individual Death Claim Settlement Ratio for FY23-24⁴
77 Lakh+

Families protected so far⁵
1 Lakh Crore+

Assets Under
Management (AUM)⁶
4 Hours

Express Claim Settlement⁷

⁷T&C apply
500+ Branches

Presence across major cities in India
Rs 4,00,000 Crore+

Retail Sum Assured⁸

Frequently Asked Questions

What is term insurance, and why is it important for NRIs?

Term insurance provides life coverage for a specified period, ensuring financial security for your family in case of unforeseen events, which is especially important when living abroad.
Can I purchase Tata AIA term insurance as an NRI in India?
NRIs can purchase life insurance policies from anywhere. Here are the details:
- While In India
  NRI can purchase policy when visiting India. It can be purchased through quick, digital process.
- When outside India
  NRI can purchase the life insurance policy online from their current place of residence subject to our Board approved underwriting policy.
Can I pay my premiums from abroad?

Yes, NRIs can pay their insurance premiums from any country. Payments can be made through various online payment methods.
Is the Term Insurance Calculator free to use?

Yes, the Term Insurance Calculator for NRIs is completely free to use. You can calculate your premiums as many times as needed without any charges or obligation to purchase a policy.

Disclaimer
- Tata AIA Sampoorna Raksha Promise - Non-Linked, Non-Participating, pure risk, Individual Life Insurance Product (UIN:110N176V02)
- NRI can purchase the policy when in India
- ¹Not applicable under PoS, please refer sales brochure for more information
- ²Under Life Promise Plus Option, an amount equal to the 100% 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
- ³This includes first year digital discount of 10% for Limited Pay/Regular Pay and 5% salaried discount. For Single Pay, 1% discount will be available for online purchase and salaried discount each.
- ⁴Individual Death Claim Settlement Ratio is 99.13% for FY 2023 - 24 as per the latest annual audited figures.
- ⁵77,26,727 families protected till 31st December 2023.
- ⁶As on 03rd April 2024, the company has a total Assets Under Management (AUM) of Rs.100,099.11 Crores
- ⁷Applicable 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.
- ⁸Retail Sum Assured for FY2023 is Rs 4,43,479 Crores
- This product is underwritten by Tata AIA Life Insurance Company Ltd.
- Insurance cover is available under this product.
- In case of non-standard lives, extra premiums will be charged as per our underwriting guidelines.
- 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.
- This plan is not a guaranteed issuance plan, and it will be subject to Company’s underwriting and acceptance.
- For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale.
- Premium will vary depending on the option chosen
- 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 POS variant, the product is available with/without medical underwriting as per BAUP (Board Approved Underwriting Policy)
- L&C/Advt/2024/Dec/3824