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Term Insurance for Women

Term insurance for women provides a sum assured that may help secure their family's financial future. Today, many women manage both personal Read more 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 added riders like critical illness benefits 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 that may help secure Read more their family's 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 added riders like critical illness benefits 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

Get ₹1 Cr. Life Cover at ₹501/month¹

Exclusive benefits with Shubh Shakti

jgfhgfjgj Lower premiums for women

jgfhgfjgj Waiver of Premium on Husbands’s accidental death

jgfhgfjgj Child Education Protect

jgfhgfjgj Health Buddy Enhance Benefits

**T&C apply

Term Insurance for Women - Shubh Shakti

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Get Life Cover of ₹1 Crore by paying a premium of

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₹8,287/month

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Includes 10% digital + 8.5% salaried discount on 1st year premium

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₹ 4.2 Lakh

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Tata AIA Sampoorna Raksha Promise - Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN:110N176V05)

What is Term Insurance for women?

Term insurance for women is a type of life insurance policy that provides financial protection for a fixed period. If the insured woman passes away during the policy term, her nominee receives the sum assured.

Term insurance for women offers affordable life cover, empowering women to secure their family's future even during career gaps or financial instability.

How Term Insurance for women works?

Here is how term insurance for women works.

Choose Term & Cover:

Choose a policy duration and sum assured based on your long-term financial goals and family needs.
Pay Premiums:

Make payments monthly, quarterly, annually.
Claim Payout:

If the policyholder passes away during the term, the nominee receives the full sum assured.
Policy Ends on Returns Premium²:

If the insured survives the policy term, the policy ends without any payout, unless a return of premium option was selected.

Reasons why women need Term Insurance

The following point explains why women need term insurance.

Career Break Impact: Term insurance may help protect your family's financial needs even if you don’t have enough savings when you are on long breaks from work.
Child’s Future Security: Term insurance offers a payout that can help you cover your child’s education expenses and daily needs in case of your unexpected death.
Rising Daily Expenses: With increasing inflation and healthcare costs, term insurance can reduce the financial burden on your family during unexpected events.
Longer Life Expectancy: A term plan helps ensure that your financial responsibilities are covered for a longer period.
Financial Freedom: Term insurance can help women plan their financial future, supporting their goals, managing responsibilities, and meeting evolving needs without financial burden.

Features of Term Insurance plans for women

Tata AIA term insurance features for women provide comprehensive protection. They include:

Financial Security

Term insurance provides a safety net; it helps ensure that a woman's dependents are protected from financial uncertainties. It helps secure a child’s education, supports the spouse, or helps repay loans in case of financial crisis.

Affordable Premiums

The term insurance premium for women is more affordable as compared to men for a similar age.

OPD benefit (part of Health Buddy Enhance)¹³

Under TATA AIA Health Buddy, customer can avail OPD services and enhance their coverage through opting benefits like Accidental Death Benefit and Accidental Total and Permanent Disability benefit. This helps provide extra security for women and their families during uncertain events.

Tax Benefits⁴

Premiums paid may be eligible for deductions up to ₹1.5 lakh under Section 80C. The term insurance tax benefit⁴ also includes tax-free4 payouts under Section 10(10D).

Large Sum Assured

Women may get high coverage amounts at affordable rates, which may help ensure the family’s financial future is protected.

Exclusive benefits under Shubh Shakti for Tata AIA women customers:

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.

Tata AIA understands the diverse needs for women. Hence, they have rolled out exclusive benefits for them with Shubh Shakti, which includes:

Lifetime Discounted Premium

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.
Child Education Protection⁹

Ensure your child’s higher education is financially secured. With a 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.
Premium Break in case of Pregnancy¹⁰

Flexibility of taking a premium 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.
Waiver of Premium⁸ (WOP) on Husband’s Accidental Death

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.
Single Mothers discount¹¹

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.
OPD Benefit (Health Buddy Enhance)¹³

OPD 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.

Detailed benefits under Health Buddy Enhance

TATA AIA Health Buddy- Non-Participating, Non-Linked, Individual Health Product (110N183V01)

Under health buddy Enhance, women have the multiple benefits such as Annual health check-up, Lifestyle & Condition Management, Women Care, Wallet for Vaccinations, Medicines, Tests & Spectacles Benefit & Specialist consultations.

Annual Health Check-up

Get access to a specially curated annual comprehensive health screening that goes beyond the usual tests. This 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.

Specialist consultations (Tele and in-person consultation)

Get 4 Teleconsultation and 4 OPD consultation 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.

Wallet for Vaccinations

Stay protected against major health risks with a dedicated wallet that helps cover:

Cervical cancer vaccines (HPV) to reduce future risk.
Flu shots and hepatitis vaccines to keep your immunity strong.
Shingles vaccination, crucial especially as you age, for long-term wellness.

Women Care

PCOD management programs with diet, exercise and stress control guidance. IVF counselling to help you understand fertility options and make informed choices

Lifestyle & Condition Management

Structured programs to help you manage chronic conditions and lead a healthier lifestyle:

Diabetes management plans with nutrition and activity coaching.
Hypertension tracking with regular follow-ups to keep blood pressure under control.
Personalised weight management guidance, combining expert diet advice with fitness tips to achieve sustainable results.

Medicines, Tests & Spectacles Benefit

Attractive discounts on medicines, lab tests, and spectacles.

Cashless or reimbursement options that reduce your out-of-pocket expenses on these routine health requirements.

Value Added Services

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. A discount of up to 20% is available on lab tests. 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.

Dental Wellness

Under Dental Wellness plan includes two in-person consultations with a dentist, including orthodontist services upto Rs. 2000/-.

Medical 2nd Opinion

Get medical second opinion from specialists, a health concierge for end-to-end support, and a case manager doctor for guidance throughout the process. Additional services such as ambulance (user paid), vaccination inoculation at home (user paid), nurse at home support (user paid), and other healthcare support like equipment rentals (wheelchair, ICU bed, etc.) are also available at the user's expense.

Calculate Term Premium For 1 Crore

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Who Should Buy Term Insurance Plans for Women?

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 dependents 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 dependents without a co-earning partner.
Single Mothers	1% lifetime discount¹¹applicable every year throughout the PPT
Non-Resident Indian (NRI) Women	Term insurance helps fulfil both their international aspirations and family security in India

Types of Term Insurance for Women in 2025

The following explains the types of term insurance for women in 2025.

Type of Term Insurance	Features
Life Cover with Return of Premium	Offers life cover and refunds the entire premium amount if the insured woman survives the policy term.
Whole Life Term Insurance	Provides life cover for the insured woman up to 100 years.
Waiver of Premium on diagnosis of terminal Illness	Waives future premiums if the insured woman is diagnosed with a terminal illness or suffers a permanent disability.

Tata AIA offers a range of term insurance plans to meet the diverse financial needs of women. These include:

Tata AIA

Sampoorna Raksha Promise

Key benefits:

Get 1 Crore Life cover at Rs. 501/month¹
Receive 100% premiums back²
Get up to 18.5% discount on first year premium³

Calculate Premium Know More

Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN:110N176V07)

Tata AIA

Maha Raksha Supreme Select

Key benefits:

Flexibility to increase cover at important Life Stages
Enhance coverage for the cost of higher education of up to 3 nominated children
Get income tax⁴ benefits as per applicable tax laws

Calculate Premium Know More

Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN: 110N171V11)

These are pure protection plans that help ensure your family’s financial security in the event of your untimely demise. They provide a high sum assured at affordable premiums and can be enhanced with riders¹² for additional protection.

What are Some Special Benefits Offered by Insurers?

The insurer may offer some special benefits, which are as follows:

Term insurance plans are available with life cover options, which can be suitable for homemakers and single mothers.
Salaried women and professionals may get underwriting terms based on their financial profile.
Loyalty-based benefits and premium discounts can be provided under specific policy terms and features.
Free medical check-ups are available with eligible policies as per the insurer’s underwriting norms

Things to Consider Before Buying Term Insurance for Women

Before buying term insurance for women, consider the following:

Age of the Applicant: The younger you are, the lower your term insurance premium for women can be. Early purchase can help you stay covered for a longer policy term at competitive rates.

Coverage Amount Needed: Choose a sum assured based on your family’s lifestyle, future responsibilities, and ongoing liabilities like home or education loans.

Income and Financial Dependents: Ensure the plan acts as your income replacement and supports dependents like children, spouse, or ageing parents during difficult times.

Riders and Additional Benefits: Check additional riders such as critical illness cover, waiver of premium, or health-related riders.

Claim Settlement Ratio of the Insurer: A high claim settlement ratio indicates the insurer’s reliability in settling claims quickly and without delays.

How to Choose the Best Term Insurance Plan for Women

Here is how you can choose the right term insurance plan for women.

Research the Insurers
Explore different policy types and rider options available across insurance providers.
Compare Different Insurers
Assess premiums and sum assured based on current responsibilities and future financial goals.
Evaluate Riders
Review optional riders based on your healthcare needs, career breaks, and family planning.
Check Claim History
Look for the insurer’s claim settlement ratio and financial stability on the Insurance Regulatory and Development Authority of India (IRDAI) website.
Apply
Apply for the chosen plan after going through the policy terms, disclosures, and complete documentation process.
You can get a suitable insurance plan for women by following these simple steps. You can either apply online or visit the insurer’s office to obtain a policy.

When Should You Buy Term Insurance for a Housewife?

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 provide financial security when regular earnings stop.

Why Choose Tata AIA Life Insurance?

99.41%

Individual Death Claim Settlement Ratio in FY 24-25⁷

89 Lakh+

Families protected so far⁵

#1 in Retail Sum Assured

Highest retail sum assured of ₹7,90,000 Cr.+⁶

4 Hour

Claim Settlement⁷

600+ Branches

Presence across major cities in India

Pay as per your convenience

Flexibility to choose a premium payment mode as per convenience

⁷T&C Apply

FAQs on Term Insurance for Women

Can women take term insurance?

Yes, women can take term insurance. Tata AIA offers a range of term insurance plans designed specifically for women.

Which category of females are eligible to apply for a term plan?

All women, whether working professionals, homemakers, or freelancers, are eligible for term insurance plans from Tata AIA.

What is the maximum age limit to buy term plans for females?

The age limit for purchasing term insurance plans varies, but most Tata AIA plans allow women to purchase coverage until the age of 65.

Why is term insurance for women more affordable?

Women typically have a longer life expectancy, which results in lower premiums for term insurance plans.

How much term insurance coverage do women need?

The coverage amount should be based on your financial obligations and family needs. Tata AIA can help you calculate an adequate sum assured.

Do term plans offer accidental coverage for women?

Yes, Tata AIA’s term plans offer benefits like accidental death benefits under Tata AIA Health Buddy, for added protection.

Why should women buy term insurance?

Term insurance provides financial protection for women and their families, ensuring that financial stability is maintained in case of any unfortunate event.

Can a housewife without income get term insurance?

Yes, housewives can get plans based on their spouse’s income or joint family planning.

What are the different types of term insurance plans for women?

The different types of term insurance plans for women include level cover, , return of premium plans, and term plans with optional riders.

What are the tax benefits⁴ of term insurance for women?

Premiums qualify for deductions under Section 80C, and maturity claims may be tax-free⁴.

Should I buy term insurance for my wife?

Yes, you can buy term insurance for your wife, as it helps ensure financial support for the family in case of any unfortunate event.

Can women with pre-existing conditions get term insurance?

Yes, a woman with pre-existing conditions can get term insurance, but it may be subject to medical checks and premium loading by the insurer.

What happens if a woman outlives the policy term?

If a woman outlives the policy term, no payout is made under a pure term plan. However, if you have chosen a return of premium plan, the premiums paid are refunded at the end of the term.

Can I add my partner to my existing term plan?

Yes, you may add your partner under a joint life term plan, which covers both individuals in a single policy.

How does term insurance benefit single mothers?

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 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 Brochure or contact our Insurance Advisor/ Intermediary or visit our nearest Branch Office.
OPD benefit, Accidental Death Benefit and Accidental Total and Permanent Disability are benefit options available through TATA AIA Health Buddy. For more details, refer to the product Terms and Conditions.
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 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 8.5% salaried discount. For Single Pay, 1% discount will be available for online purchase and salaried discount each.
⁴Income 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.
⁵89,43,554 families protected till 31st May 2025
⁶Retail Sum Assured for FY24-25 is ₹7,90,982 Crore
⁷Applicable 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.
⁸Under 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
⁹The 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.
¹⁰Premium 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
¹¹Single 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.
¹²Riders 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.
¹³OPD Plus, Accidental Death Benefit and Accidental Total and Permanent Disability are benefit options available through TATA AIA Health Buddy. For more details, refer to the product Terms and Conditions.
Please note: This disclaimer can be referenced where the benefits are mentioned in the main content.
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/2828

Term Insurance for Women

Get ₹1 Cr. Life Cover at ₹501/month1

Term Insurance for Women - Shubh Shakti

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Term Insurance Calculator

Oops! We’re facing a technical issue in getting your customized quote. Please try again after some time.

Here's your customized plan

What is Term Insurance for women?

How Term Insurance for women works?

Choose Term & Cover:

Pay Premiums:

Claim Payout:

Policy Ends on Returns Premium2:

Reasons why women need Term Insurance

Features of Term Insurance plans for women

Financial Security

Affordable Premiums

OPD benefit (part of Health Buddy Enhance)13

Tax Benefits4

Large Sum Assured

Exclusive benefits under Shubh Shakti for Tata AIA women customers:

Lifetime Discounted Premium

Child Education Protection9

Premium Break in case of Pregnancy10

Waiver of Premium8 (WOP) on Husband’s Accidental Death

Single Mothers discount11

OPD Benefit (Health Buddy Enhance)13

Detailed benefits under Health Buddy Enhance

Annual Health Check-up

Specialist consultations (Tele and in-person consultation)

Wallet for Vaccinations

Women Care

Lifestyle & Condition Management

Medicines, Tests & Spectacles Benefit

Value Added Services

Dental Wellness

Medical 2nd Opinion

Who Should Buy Term Insurance Plans for Women?

Types of Term Insurance for Women in 2025

Sampoorna Raksha Promise

Maha Raksha Supreme Select

What are Some Special Benefits Offered by Insurers?

Things to Consider Before Buying Term Insurance for Women

How to Choose the Best Term Insurance Plan for Women

Research the Insurers

Compare Different Insurers

Evaluate Riders

Check Claim History

Apply

When Should You Buy Term Insurance for a Housewife?

Why Choose Tata AIA Life Insurance?

99.41%

89 Lakh+

#1 in Retail Sum Assured

4 Hour

600+ Branches

Pay as per your convenience

FAQs on Term Insurance for Women

Can women take term insurance?

Which category of females are eligible to apply for a term plan?

What is the maximum age limit to buy term plans for females?

Why is term insurance for women more affordable?

How much term insurance coverage do women need?

Do term plans offer accidental coverage for women?

Why should women buy term insurance?

Can a housewife without income get term insurance?

What are the different types of term insurance plans for women?

What are the tax benefits4 of term insurance for women?

Should I buy term insurance for my wife?

Can women with pre-existing conditions get term insurance?

What happens if a woman outlives the policy term?

Can I add my partner to my existing term plan?

How does term insurance benefit single mothers?

Get ₹1 Cr. Life Cover at ₹501/month¹

Policy Ends on Returns Premium²:

OPD benefit (part of Health Buddy Enhance)¹³

Tax Benefits⁴

Child Education Protection⁹

Premium Break in case of Pregnancy¹⁰

Waiver of Premium⁸ (WOP) on Husband’s Accidental Death

Single Mothers discount¹¹

OPD Benefit (Health Buddy Enhance)¹³

What are the tax benefits⁴ of term insurance for women?