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Tata AIA Smart Sampoorna Raksha Supreme

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

In this policy, the investment risk in investment portfolio is borne by the policyholder

Tata AIA

Smart Sampoorna Raksha Supreme

Get financial protection to safeguard your family’s future

Create a second income with New Partial Withdrawal⁷ strategies

Flexibility to choose your policy term and premium payment term

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.

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Plan Snapshot

2 plan options

1] Classic

2] Optima
Get Loyalty additions, Cover Continuance Boosters, Return of Premium Allocation Charges, Return of Mortality Charges.
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

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Yes

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Benefits Of Tata AIA Smart Sampoorna Raksha Supreme

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.
Get Loyalty Additions

Starting from the 11^th year of your policy, at the end of each month, the mortality charge that was deducted 120 months ago (based on your plan option) will be added back to your fund value as extra units. This will continue until you turn 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 will be added as extra units. In the first 15 years, they are added if the fund value drops below 10% of the premium. From the 16th year onwards, boosters are added if the fund value falls below the the Fund Value implied by the Target Net Yield.
Smart Lady

Female policyholders will receive an extra 0.5% of the instalment premium added to their plan 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.
Unlimited Free Fund Switching

You can switch between funds anytime, for free and as often as needed, to match your financial goals or market changes. You can also re-direct future premiums to different funds, as long as the percentages add up to 100%. No charges applicable for re-direction.
Receive Maturity Benefits Your Way

You can choose to receive the maturity benefit either as a lump sum or through regular payments over five years after the policy maturity date.
Add Riders for Additional Coverage

Riders⁴ can be included in the plan for additional coverage during specific scenarios. With Tata AIA Vitality's Wellness benefit, you can improve your quality of life and earn premium discounts as a reward.

Plan Options

SSR Supreme Classic - It is a high sum assured investment linked plan.
SSR Supreme Optima - It is a low charge high sum assured investment linked plan.

Key Differences Between SSR Supreme Classic and SSR Supreme Optima

Benefits	SSR Supreme Classic	SSR Supreme 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, 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 10^th to 13^th 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

Why Should One Invest in ULIP Plans?

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.
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. .
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.
Withdraw Funds

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

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

Top 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 Board Approved Underwriting Policy (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	For Limited/Regular pay: Lower of (Applicable Sum Assured Multiple or 10) times Annualised Premium For Single pay: 1.25 times Single 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.

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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 Supreme?
The withdrawal options available with the Smart Sampoorna Raksha Supreme 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 Supreme?

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 Supreme?

SSR Supreme Classic - Smart Sampoorna Raksha Supreme Classic and SSR Supreme Optima - Smart Sampoorna Raksha Supreme Optima are the two plan options available under the Tata AIA Smart Sampoorna Raksha Supreme.
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
- IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. 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 Supreme - Unit Linked, Non-Participating Individual Life Insurance Plan (UIN: 110L179V02)
- ¹All funds open for new business which have completed 5 years since inception are rated 4 or 5 Star by Morningstar as of December 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 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.
- 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.
- 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 31st March 2025, the company has a total Assets Under Management (AUM) of ₹130,053 Crore
- ⁶Individual Death Claim Settlement Ratio is 99.41% for FY 2024 – 25.
- ⁷Tata AIA Smart Sampoorna Raksha Supreme offer 3 partial withdrawal strategy, Systematic Withdrawal Plan, Chosen-rate Withdrawal Pl an and Index based Withdrawal plan. Please refer to policy document for more details.
  
  For ULIP products
  
  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.
  
  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).
  
  Investments are subject to market risks. The Company does not guarantee any assured returns. The investment income and price may go down as well as up depending on several factors influencing the market.
  
  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 & the Unit linked insurance product with Tata AIA /Tata AIA Life Insurance as its prefix 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.
  
  The performance of the managed portfolios and funds is not guaranteed, and the value may increase or decrease in accordance with the future experience of the managed portfolios and funds.
  
  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.
  
  Please know the associated risks and the applicable charges, from your insurance agent or the Intermediary or policy document issued by the Insurance Company.
  
  L&C/Advt/2025/Oct/3741