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In this policy, the investment risk in investment portfolio is borne by the policyholder.
Non- Participating, Unit Linked, Individual Life Insurance Savings Plan (UIN: 110L172V03)
In this policy, the investment risk in investment portfolio is borne by the policyholder.
Non- Participating, Unit Linked, Individual Life Insurance Savings Plan (UIN: 110L172V03)
Get financial protection to safeguard your family’s future
Create a second income with New Partial Withdrawal strategies
Flexibility to choose your policy term and premium payment term
Grow your wealth with our top rated funds1
Grow your wealth with our top rated funds1
2 plan options
1] Classic
2] Optima
Add On Rider4 Benefits
Are you an NRI?
The linked insurance product do not offer any liquidity during the first five years of the contract. The policy holder will not be able to surrender/withdraw the monies invested in linked insurance products completely or partially till the end of the fifth year.
Get life covered and wealth discovered by choosing a perfect mix of life insurance and investments for higher coverage and increased investment benefits.
You shall get the Fund Value, including Top-Up Premium Fund Value, if any, valued at applicable NAV on the date of Maturity.
From the 11th year of the policy onwards, at the end of each month, either the mortality charge or twice the mortality charge (depending on the plan option) deducted 120 months ago will be added to the Fund Value as extra units until you reach the age of 85.
Based on the chosen plan option, at the end of the 10th, 11th, 12th, and 13th policy years, two times the total Premium Allocation Charges deducted 10 years prior shall be added to the Fund Value in the form of addition of units until the policy is in force.
Cover Continuance Boosters shall be added in the form of addition of units. For the first 15 Policy Years, at the end of the policy month, if the Fund Value falls below 10% of the Instalment Premium, and from the 16th Policy Year till the end of the Policy Term, at the end of each policy month, if the Fund Value falls below the Fund Value implied by the Target Net Yield.
For female lives 0.5% of instalment premium shall be added in the first year
After 5 policy years, you can choose to receive a second income based on three withdrawal plans: Systematic Withdrawal Plan, Chosen-Rate Withdrawal Plan, and Index Based Withdrawal Plan.
You can choose any fund from out top-rated funds1 or choose between the portfolio strategies: Enhanced SMART (Systematic Money Allocation & Regular Transfer) or Life-stage based Portfolio Strategy.
An additional sum assured equal to 1.25 or 1.10 X top-up premium, subject to the policy conditions, will be provided under the Top-Up facility. The top-up premiums can be allocated in any proportion between the chosen funds.
You may choose to pay your premiums Annually, Semi-annually, Quarterly, Monthly, or even single time as per your convenience.
You can switch investments between available Funds based on the changing financial needs or market cycles. Switches are free and can be done unlimited times.
Based on the chosen investment strategy, fund re-direction is allowed for future regular premiums, provided the percentage chosen is the integral percentage for each fund and sums to 100%. There is no fund re-direction charge applicable under this Product.
You can get the maturity benefit all at once as a lump sum amount or in the form of periodical payments over a settlement period of five years from the Maturity Date.
Riders4 can be included in the plan for additional coverage during specific scenarios. The Wellness benefit with Tata AIA Vitality helps improve your quality of life while also getting rewarded for the same with premium discounts.
SSR Pro Classic - It is a high sum assured investment linked plan.
SSR Pro Optima - It is a low charge high sum assured investment linked plan.
Key Differences Between SSR Pro Classic and SSR Pro Optima
Benefits |
SSR Pro Classic |
SSR Pro Optima |
Maturity Benefit |
Applicable |
Applicable |
Death Benefits |
Applicable |
Applicable |
Return of Mortality Charges |
Starting from the 11th policy year, at the end of each policy month, 2 times the mortality charge (excluding underwriting extra and taxes) deducted in the 120th month prior shall be added to the Fund Value in the form of the addition of units. |
Not Applicable |
Refund of Premium Allocation Charges |
Every 10th to 13th policy year, we will add twice the amount of fees taken from the premium 10 years ago to your fund value as extra units, distributed based on each fund's unit proportion. |
Not Applicable |
Cover Continuance Booster |
Applicable |
Applicable |
Smart Lady |
Applicable |
Applicable |
Withdrawal Plans |
Applicable |
Applicable |
Our fund options are rated 4 or 5 stars1 by Morning Star2
Presence across major cities in India.
Assets Under Management (AUM)5
Individual Death Claim Settlement Ratio for FY 23-246
Eligibility Criteria
Criteria |
Values |
||
Minimum Entry Age (Age last birthday) |
18 Years |
||
Maximum Entry Age (Age last birthday) |
65 Years |
||
Minimum Maturity Age (Age last birthday) |
38 Years |
||
Maximum Maturity Age (Age last birthday) |
Limited Pay – 100 Years Regular Pay – 100 Years |
||
Policy Term |
Limited Pay - 20 to 82 years Regular Pay - 20 to 82 years |
||
Minimum Premium Paying Term |
Limited Pay – 5 years Regular Pay – 20 years |
||
Maximum Premium Paying Term |
Limited Pay – (Policy Term – 1) years Regular Pay – Equal to Policy Term
|
||
Minimum Premium |
For Classic and Optima Single Pay: ₹ 20,000 p.a. Limited Pay 5-6 years: ₹ 20,000 p.a. Limited Pay 7-9 years: ₹ 18,000 p.a. Other Premium Payment Terms: ₹ 15,000 p.a. Top-up Premium: ₹ 1,000 per top-up |
||
Maximum Premium |
As per BAUP |
||
Increase /Decrease in Premium |
Not Allowed |
||
Minimum Basic Sum Assured |
For age up to 49 : For Single Pay – 1.25 times the Single Premium For Regular / Limited Pay – 7 times Annualised Premium, For age 50 & above: For Single Pay – 1.10 times the Single Premium For Regular / Limited Pay – 5 times Annualised Premium Age as of last birthday |
||
Maximum Basic Sum Assured |
Premium Payment Term |
Attained Age (last birthday) of Assured |
Basic Sum Assured |
All |
Till attained age of 85 years |
As per Board Approved Underwriting Policy (BAUP) |
|
Post attained age of 85 years |
Lower of (Applicable Sum Assured Multiple or 10) times Annualised Premium |
||
Pay Mode |
Single, Annual, Semi-Annual, Quarterly, Monthly |
||
Change in premium payment mode |
Policyholders are allowed to change the frequency of regular premium payments by written request anytime when the policy is in force, subject to our minimum premium requirements and approval and provided the policy is in force unless Enhanced SMART is active where annual mode is compulsory. Premiums payable monthly shall be paid by auto-deduction through a bank unless we agree otherwise in writing. |
||
Does a ULIP Policy have a lock-in period?
Yes, the ULIP Policy has a lock-in period of 5 years.
Can I withdraw funds from my ULIP Policy?
You can withdraw funds from your ULIP policy after the 5-year lock-in period.
Can I surrender a ULIP Policy?
You can surrender a ULIP policy. However, it is not recommended to surrender a ULIP Policy because you might end up losing the coverage and the investment benefits to a great extent.
What are the withdrawal options available with Tata AIA Smart Sampoorna Raksha Pro?
The withdrawal options available with the Smart Sampoorna Raksha Pro are:
Systematic Withdrawal Plan (SWP) - You can withdraw from the fund at pre-determined intervals. Such withdrawals can be a pre-determined percentage of the fund value or a pre-determined absolute amount.
Chosen-Rate Withdrawal Plan (CWP) - A payout, as per the payout frequency chosen, will be processed in case the performance of the fund(s) where the policyholder has invested their premium is higher than the chosen rate of return by the policyholder.
Index-Based Withdrawal Benefit (IWP) - This option works similarly to CWP. But instead of choosing a rate of return, the policyholder can link the rate of return to an external index. Suppose the performance of the fund(s) in which the policyholder has invested their premium is higher than their index-based return. In that case, the positive difference between the two fund values shall be paid out to the policyholder as per the payout frequency chosen.
What are the term and conditions for partial withdrawal in a policy year?
We recommend keeping your money invested in the policy for the entire policy term to enjoy the power of compounding. However, this plan provides you with an option to partially withdraw your funds in case of any financial emergency. You can withdraw from you fund value such that the Fund Value post withdrawals is more than two (2) times your Annualised Premium in case of Regular/ Limited Pay. Please note that the maximum limit for partial withdrawals may change from time to time. Please refer this space for current limits.
What are the settlement options available under the Tata AIA Smart Sampoorna Raksha Pro?
You can have the option to receive Maturity Benefits either in a lump sum or in the form of periodical payments over a Settlement Period of five years from the Maturity Date.
How is the Net Asset Value calculated?
The Net Asset Value (NAV) of the segregated funds shall be computed as:
The Market value of the investment held by the fund + value of current assets - (value of current liabilities and provisions, if any).
What are the plan options available under the Tata AIA Smart Sampoorna Raksha Pro?
SSR Pro Classic - Smart Sampoorna Raksha Pro Classic and SSR Pro Optima - Smart Sampoorna Raksha Pro Optima are the two plan options available under the Tata AIA Smart Sampoorna Raksha Pro.
What is the Cover Continuance Booster?
Cover Continuance Boosters are non-negative amounts added to your policy. This additional allocation will be available under both plan options.
For the first 15 policy years, at the end of the policy month, if the Fund Value falls below 10% of the Instalment Premium. From the 16th Policy Year till the end of the policy term at the end of each policy month if the Fund Value falls below the Fund Value implied by the Target Net Yield.
How do I file a claim with Tata AIA Life Insurance?
To file a claim with us, reach out to us via the following channels:
a. Online using the Online Intimation Page.
b. Email us at: customercare@tataaia.com
c. Call our helpline number - 1860-266-9966 (local charges apply)
d. Walk into any of the Tata AIA Life Insurance Company branch offices
e. Write directly to us at:
What are the documents needed to file a claim under this ULIP?
Please click here to know the list of documents needed for the claim intimation and settlement process.
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