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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)

Tata AIA
Smart Sampoorna Raksha Pro

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)

Tata AIA
Smart Sampoorna Raksha Pro

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

Calculate
Returns

Meet
an Advisor

Grow your wealth with our top rated funds¹

NRI?

Yes

+91

Tata AIA Life Insurance Company Limited will send you updates on new products, services, insurance solutions, existing policy or related information and/or process your information in accordance with Privacy Policy. Select here to opt.

Plan Snapshot

2 plan options

1] Classic

2] Optima
Get Loyalty additions, Cover Continuance Boosters, Return of Premium Allocation Charges, Return of Mortality Charges and more
Get Income Tax³ benefits

Our Funds Rated 4 or 5 stars¹ by Morningstar²
High life insurance cover to safeguard your family
Add On Rider⁴ Benefits
- Hospitalization Benefits
- 3C Protection: Cancer, Cardiac and Critical Illness
- Accidental Death and Disability

Need assistance?
Let our experts get back to you.

Are you an NRI?

Yes

Name

Mobile No

+91

Please tick the check box to proceed

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.

Tata AIA Smart Sampoorna Raksha Pro

Get life covered and wealth discovered by choosing a perfect mix of life insurance and investments for higher coverage and increased investment benefits.

Benefits Of Tata AIA Smart Sampoorna Raksha Pro

Grow your Wealth

You shall get the Fund Value, including Top-Up Premium Fund Value, if any, valued at applicable NAV on the date of Maturity.
Loyalty Additions

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.
Refund of Premium Allocation Charges

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

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.
Smart Lady

For female lives 0.5% of instalment premium shall be added in the first year
Second Income with Withdrawal Plans

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.
Choice of Investment Strategy

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.
Top-Up Facility

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.
Flexibility of Premium Payment Mode

You may choose to pay your premiums Annually, Semi-annually, Quarterly, Monthly, or even single time as per your convenience.
Switching Between the Funds

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.
Premium Re-direction

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.
Settlement Option

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.
Add Riders for Additional Coverage

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.

Plan Options

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 11^th policy year, at the end of each policy month, 2 times the mortality charge (excluding underwriting extra and taxes) deducted in the 120^th 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

See All See Less

Why Should One Invest in ULIP Plans?

01

Financial Protection

When you invest in a ULIP Policy, you can ensure a life cover to protect the financial future of your family in your absence and also invest in financial securities for wealth creation.
02

Customised Investment Solutions

You can invest in financial securities based on your risk appetite, whether high-risk equity funds, medium-risk hybrid funds, or low-risk debt funds. Furthermore, you can switch between the funds based on your changing investment preferences, considering the market cycles.
03

Investment Flexibility

You can pay the premium using the chosen premium payment mode and opt for the lump sum or periodical payments for the maturity benefits.
04

Withdraw Funds

After the 5-year lock-in period, you can benefit from withdrawal options to fund your routine expenses or planned financial commitments.
05

Long Term Investment

With ULIP Plans, you can plan a long-term investment to enhance the potential gains for your wealth creation objectives.
06

Income Tax Benefits

The premiums paid for the ULIP policy, and the payouts received qualify for a tax deduction as per applicable tax laws.

Why Choose Tata AIA Life Insurance?

High Rated Funds

Our fund options are rated 4 or 5 stars¹ by Morning Star²

500+ Branches

Presence across major cities in India.

1 Lakh Crore+

Assets Under Management (AUM)⁵

99.13%

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.

Download Documents

Download Brochure

Download Policy document

Download Customer Information Sheet

Frequently Asked Questions

General Policy Coverage Claim

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:

The Claims Department,
Tata AIA Life Insurance Company Limited
B- Wing, 9th Floor,
I-Think Techno Campus,
Behind TCS, Pokhran Road No.2,
Close to Eastern Express Highway,
Thane (West) 400 607.
IRDA Regn. No. 110

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.

Disclaimer

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.
Tata AIA Smart Sampoorna Raksha Pro - Non- Participating, Unit Linked Individual Life Insurance Savings Plan (UIN: 110L172V03)
¹All funds open for new business which have completed 5 years since inception are rated 4 star or 5 star by Morningstar as of August 2024
²©2024 Morningstar. All rights reserved. The Morningstar name is a registered trademark of Morningstar, Inc. in India and other jurisdictions. The information contained here: (1) includes the proprietary information of Morningstar, Inc. and its affiliates, including, without limitation, Morningstar India Private Limited (“Morningstar”); (2) may not be copied, redistributed or used, by any means, in whole or in part, without the prior, written consent of Morningstar; (3) is not warranted to be complete, accurate or timely; and (4) may be drawn from data published on various dates and procured from various sources and (5) shall not be construed as an offer to buy or sell any security or other investment vehicle. Neither Morningstar, Inc. nor any of its affiliates (including, without limitation, Morningstar) nor any of their officers, directors, employees, associates or agents shall be responsible or liable for any trading decisions, damages or other losses resulting directly or indirectly from the information.
³Income 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.
⁴Riders 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.
⁵As on 03rd April 2024, the company has a total Assets Under Management (AUM) of Rs.100,099.11 Crores.
⁶Individual Death Claim Settlement Ratio is 99.13% for FY 2023 - 24 as per the latest annual audited figures.
Tata AIA Vitality Protect Plus - A Non-Linked, Non- Participating Individual Health rider (UIN:110B046V03), Tata AIA Vitality Health Plus, A Non-Linked, Non- Participating Individual Health rider (UIN:110B045V02), Tata AIA Non-Linked Comprehensive Protection Rider (UIN:110B033V03 or any other later version) - A Non-Linked, Non- Participating Individual Health Rider Tata AIA Non-Linked Comprehensive Health Rider (UIN: 110B031V03 or any other later version) - A Non-Linked, Non- Participating Individual Health Rider) are available under this plan.
The fund is managed by Tata AIA Life Insurance Company Ltd. 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.
Past performance is not indicative of future performance. Returns are calculated on an absolute basis for a period of less than (or equal to) a year, with reinvestment of dividends (if any).
Please make your own independent decision after consulting your financial or other professional advisor.
Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA Smart Sampoorna Raksha Pro is only the name of the Unit Linked Life Insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns.
Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. Please know the associated risks and the applicable charges, from your Insurance Agent or Intermediary or Policy Document issued by the Insurance Company.
Various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. The underlying Fund's NAV will be affected by interest rates and the performance of the underlying stocks.
Premium paid in the Unit Linked Life Insurance Policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the Insured is responsible for his/her decisions. The Company does not guarantee any assured returns.
Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. Tata AIA Life Insurance Company Ltd. does not assume responsibility on tax implications mentioned anywhere on this site. Please consult your own tax consultant to know the tax benefits available to you.
Goods and Services Tax and cesses, if any will be charged extra by redemption of units, as per applicable rates. Tax laws are subject to amendments from time to time.
Insurance cover is available under the product.
The products are underwritten by Tata AIA Life Insurance Company Ltd.
The plans are 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.
L&C/Advt/2024/Sep/2663

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Tata AIA Smart Sampoorna Raksha Pro

Tata AIA Smart Sampoorna Raksha Pro

Plan Snapshot

2 plan options 1] Classic 2] Optima

Get Loyalty additions, Cover Continuance Boosters, Return of Premium Allocation Charges, Return of Mortality Charges and more

Get Income Tax3 benefits

Need assistance? Let our experts get back to you.

There was some error in submitting details please try again

Tata AIA Smart Sampoorna Raksha Pro

Benefits Of Tata AIA Smart Sampoorna Raksha Pro

Grow your Wealth

Loyalty Additions

Refund of Premium Allocation Charges

Cover Continuance Boosters

Smart Lady

Second Income with Withdrawal Plans

Choice of Investment Strategy

Top-Up Facility

Flexibility of Premium Payment Mode

Switching Between the Funds

Premium Re-direction

Settlement Option

Add Riders for Additional Coverage

Plan Options

Why Should One Invest in ULIP Plans?

Financial Protection

Customised Investment Solutions

Investment Flexibility

Withdraw Funds

Long Term Investment

Income Tax Benefits

Why Choose Tata AIA Life Insurance?

High Rated Funds

500+ Branches

1 Lakh Crore+

99.13%

Download Documents

Frequently Asked Questions

Tata AIA
Smart Sampoorna Raksha Pro

Tata AIA
Smart Sampoorna Raksha Pro

2 plan options

1] Classic

2] Optima

Get Income Tax³ benefits

Need assistance?
Let our experts get back to you.