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Term Insurance in your 30s

Term insurance in your 30s refers to a life cover for 30 years, which protects dependents against financial uncertainty. The 30s often bring steady... Read more income, family responsibilities, and long-term commitments. Choosing suitable protection early supports household stability, loan continuity, and future planning. Term insurance in the 30s usually aligns with growing needs, while premiums remain manageable. For many households, a term plan at 30s is a practical step towards organised financial planning. Read less

Term insurance in your 30s refers to a life cover for 30 years, which ... Read more protects dependents against financial uncertainty. The 30s often bring steady income, family responsibilities, and long-term commitments. Choosing suitable protection early supports household stability, loan continuity, and future planning. Term insurance in the 30s usually aligns with growing needs, while premiums remain manageable. For many households, a term plan at 30s is a practical step towards organised financial planning. 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

saving Save ₹1,202 with discounts

₹ 4.2 Lakh

₹ 1 Crore

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Discounts

2% Milestone discount

2% discount on 1st year premium on these milestones

Event	Eligibility
Wedding (1 wedding only)	Within 6 months before or after the date of wedding
Birth/ Adoption of 1^st child*	Within 6 months before or after the birth/ adoption date
Home loan	Within 6 months of loan getting sanctioned
First job	Within 6 months of joining date

*Policy issuance eligibility for female customers will be determined by Board Approved Underwriting Policy (BAUP)

The above milestones cannot be clubbed to avail more discount, Such discount shall be capped to a maximum of ₹500 over the year.

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Tata AIA Sampoorna Raksha Promise - Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN:110N176V11)

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Get ₹1 Cr. Life Cover
At ₹686/month¹

Up to 18.5% discount² (1^st year premium)
Return of premium³ option
4 hour claim settlement⁴

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Do you smoke?

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Why is term life insurance important in your 30s?

Term insurance in your 30s supports dependents through long policy tenures, covering liabilities and planned goals. Health risks are generally lower at this stage, allowing coverage selection with fewer limitations. Term insurance at 30s may also provide tax⁵ benefits under prevailing income tax provisions, subject to applicable rules and limits. Additionally, in case the policyholder dies during the policy term, the nominee will get the sum assured.

What are the benefits of buying term life insurance in your 30s?

A term plan at 30s offers various benefits, some of which are as follows:

Planning stability over longer periods
Starting earlier allows coverage across crucial life phases, including child education and major loan obligations. This reduces financial burden during uncertain circumstances.
Premium predictability at younger ages
Health conditions are usually fewer at the 30s, helping applicants get affordable premiums without medical complications
Coverage aligned with evolving responsibilities
Policy amounts and tenure can reflect changing family needs, income growth, and long-term household objectives without frequent restructuring.
Support through major financial milestones
Long policy durations ensure continuity during housing loans, dependent care years, and education planning phases without coverage gaps.
Financial support
With the 30s term insurance, you can ensure that your family is financially secure if you die during the policy period. The nominee gets the sum assured, which can help them maintain their lifestyle even in your absence.

Our bestselling Term Insurance plans

Choose a Tata AIA term insurance plan that suits your needs

Tata AIA

Sampoorna Raksha Promise

Get ₹1 Cr life cover @686/month¹
Up to 18.5% discount² (1^st year premium)
Option to get all premiums back³

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Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN: 110N176V11)

Tata AIA

Maha Raksha Supreme Select

Get ₹2 Cr life cover @1043/month⁷
Up to 18.5% discount2 (1^st year premium)
Waiver of premium if diagnosed with Terminal illness

Calculate Premium

Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN: 110N171V14)

What are the key factors to consider when buying life insurance for 30 years?

When buying a term insurance in your 30s, consider the following:

Insurer credibility and claim settlement track record, including long-term servicing standards and consistency in claim handling.
Term insurance covers, based on income levels, ongoing expenses, outstanding liabilities, and future financial responsibilities.
Policy tenure, taking into account dependents financial needs, loan repayment periods, and expected retirement timeline.
Relevance of optional riders⁶, considering personal risk exposure and actual protection requirements

How to choose the best life insurance plan for 30 year olds?

Here is how you can choose the right term insurance in your 30s.

Review personal financial obligations
Start by mapping income flows, existing loans, dependent expenses, and future commitments to determine realistic protection requirements.
Fix an appropriate coverage amount
Coverage should not be chosen randomly. A practical approach is to base it on future expenses and liabilities, and it should be 10–15 times annual income.
Compare plans beyond just premium
Do not select a policy only by price. Compare the claim⁷ process, available riders⁶, premium payment options, and the clarity of benefits before selecting.
Select a policy term that aligns with your real timeline
Your cover should last through your financial responsibility years. A 30s term insurance plan often works well when it covers till retirement or till liabilities are cleared.
Decide premium payment mode carefully
Payment frequency should align with income cycles, supporting consistency without affecting household budgeting discipline.

Conclusion

Buying term insurance is about protecting the people who rely on you while you are alive and building your life. Your 30s are often the decade where responsibilities increase, and financial goals become non-negotiable. A well-chosen policy can help your family manage expenses, repay debts, and continue future plans with stability. With clear planning, term insurance in your 30s becomes a practical step towards financial stability.

Should I get term insurance in my 30s?

Yes, getting term insurance in your 30s allows longer coverage duration, manageable premiums, and sustained financial protection for dependents.

How much should you pay for your term life insurance?

The premium should reflect income levels, existing liabilities, and coverage duration, commonly aligned to ten to fifteen times the annual income.

Can you buy riders with a term insurance plan in your 30s?

Yes, riders⁶ such as critical illness or disability waivers may be selected, subject to eligibility conditions and individual requirement assessments.

Does buying a term insurance plan help save tax?

Yes, premiums paid towards eligible term insurance policies qualify for tax⁵ deductions under Section 80C, subject to prevailing tax provisions.

What is the best duration for a term plan?

A term plan should cover you until liabilities are repaid and financial dependency reduces. Many individuals choose 20–30 years.

Tata AIA Sampoorna Raksha Promise - Non-Linked, Non-Participating, pure risk, Individual Life Insurance Product (UIN:110N176V11)
Tata AIA Maha Raksha Supreme Select - Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN: 110N171V14)
¹As per the duly approved product design and terms & conditions of the product, illustrated premium of ₹686 is the monthly premium for a 30 yr. old female, Standard Life, Non-Smoker for ₹1 Cr. Sum Assured with Policy Term of 30 yrs. (Regular Pay) under Life Promise Option of Tata AIA Sampoorna Raksha Promise with first year premium discount of 10% for digital purchase and 8.5% for salaried person. Please refer Benefit Illustration for more details.
²As per the duly approved product design and terms & conditions of the product, this 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.
³Under 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.
⁴Applicable 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.
⁵Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfilment 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.
No Goods and Service Tax shall be applicable on Individual life insurance products as per prevailing laws. Tax laws are subject to amendments from time to time. If any imposition (tax or otherwise) is levied by any statutory or administrative body under the Policy, Tata AIA Life Insurance Company Limited reserves the right to claim the same from the Policyholder.
⁶Rider 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.
⁷As per the duly approved product design and terms & conditions of the product, Illustrated Premium of ₹1043 is the monthly premium for 30 yr. old female, Standard Life, Non-Smoker for 2 Cr. Sum Assured with Policy Term of 30 yrs. (Regular Pay) with Life Secure plan option of Tata AIA Maha Raksha Supreme Select with first year premium discount for digital purchase and salaried person.
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/2026/Feb/0922