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Unit-linked, Non-participating, Individual Life Insurance Plan for Savings and Protection (UIN: 110L156V03)
Unit-linked, Non-participating, Individual Life Insurance Plan for Savings and Protection (UIN: 110L156V03)
In this policy, the investment risk in investment portfolio is borne by the policyholder.
A Trusted Plan with dual power of protection and prosperity
In this policy, the investment risk in investment portfolio is borne by the policyholder.
A Trusted Plan with dual power of protection and prosperity
Tata AIA
Smart Sampoorna Raksha
Grow your fortune and guard your future at the same time by choosing an investment + insurance plan offering assured market-linked returns and adequate life cover.
Tata AIA
Smart Sampoorna Raksha
Grow your fortune and guard your future at the same time by choosing an investment + insurance plan offering assured market-linked returns and adequate life cover.
Maximise your returns with top rated funds%
Maximise your returns with top rated funds%
Refund of allocation and mortality charges
Refund of allocation and mortality charges
Life cover to secure your family
Life cover to secure your family
Plan your future with top rated% funds with life cover.
Plan your future with top rated% funds with life cover.
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Plan Snapshot
Personalise your plan as per your priorities.
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Investment
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Market-driven returns$
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Funds Rated 4 or 5 star%
by MorningStar^^
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Track high-performing funds and shuffle portfolio for best returns
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Insurance
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Extended life cover
up to the age of 100~ -
Add-on security (Riders)^
- Hospitalization Benefits
- 3C Protection: Cancer, Cardiac and Critical Illness
- Accidental Death and Disability
- Hospitalization Benefits
Need advice on a new plan?
Let our experts get back to you.
TATA AIA Life Insurance Co. Ltd will send you updates on your policy, new products & services, insurance solutions or related information. Select here to opt-in.
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Benefits of Tata AIA Smart Sampoorna Raksha
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Choice of Investment Funds
Select a few or more funds from a range of investment fund options between Equity, Debt or Balanced funds as per your investment strategy and risk profile to meet your investment goals.
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![Clock Icon]( "Choose a whole life coverage insurance plan with coverage up to 100 years of age - Features of a Tata AIA Term Insurance Policy Online")
Get Whole Life Coverage
Secure your family’s financial future for an extended policy term by protecting them with whole life coverage of up to 100 years of age.
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![Boy with a cap]( "Buy a Tata AIA term insurance plan online as early as 18 years of age - Features of a Term Insurance Policy")
Withdraw Money as per Convenience
Avail of a maximum of 4 partial withdrawals from your funds each year to meet any of your financial needs after the 5-year lock-in period.
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![Flexible Death benefit payout in a term plan can be offered either as a lump sum, a regular income or a combination of both]( "Flexible Death benefit payout in a term plan can be offered either as a lump sum, a regular income or a combination of both")
Refund of Charges
Receive twice the premium allocation charges in the 10th, 11th, 12th and 13th policy year and mortality charges from the 11th year onwards.
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![Money Bag Icon]( "Term plan with a return of premium can offer you a 105% return on the total premiums paid on survival")
Easy Premium Payment Options
Choose a mode – annual, half-yearly, quarterly, or monthly and the Limited/Regular pay to pay your premiums conveniently as per convenience
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![Money Bag Image]( "Pay your term plan premiums by choosing from flexible payment options - Features of a Tata AIA Term Insurance Policy")
Tax Benefits as Applicable
Get Income tax* benefits as per applicable income tax laws.
Eligibility Criteria
Minimum/Maximum Entry Age |
18 years | 60 years |
Minimum/Maximum Maturity Age |
48 years | 100 years |
Policy Term |
30 to 40 years |
Premium Paying Term |
Limited Pay – 5 /10/ 12 years Regular Pay (equal to Policy Term) |
Premium Payment Frequency |
Annual, Half-yearly, Quarterly and Monthly |
Minimum Premium |
Limited Pay 5 years: ₹60,000 Others: ₹18,000 Top-up Premium: ₹5,000 per Top-up |
Minimum/Maximum Basic Sum Assured |
10 times of Annualised Premium | No limit, subject to underwriting |
All reference to age as on last birthday
How does this plan work?
Step 1 - Select a Suitable Sum Assured
Pick a sum assured for your life insurance policy that is adequate enough to take care of your family's financial needs in the future.
Step 2 - Choose the Policy Term and Premium Payment Term
Pay affordable premiums towards your investment and life insurance by choosing a convenient and flexible policy term and premium paying term.
Step 3 - Pick Your Investment Funds
Select one or more suitable funds from the range of fund options available or opt for the Enhanced SMART portfolio strategy.
Step 4 - Complete the Online Purchase
Pay your premium online on our official website through any of the digital payment channels available to experience a secure and hassle-free checkout.
Downloads
Frequently Asked Questions
Do I need to purchase separate life insurance with my ULIP?
No, you do not need to purchase a separate policy for life insurance coverage if you have a Unit-Linked Insurance Plan. This policy comes with the dual benefit of market linked$ investment and life cover, which enables you to avail of market-linked wealth creation opportunities and also protect your family’s future.
What is partial withdrawal in a Unit-Linked Insurance Plan?
ULIPs come with a lock-in period of 5 years, after which you are allowed to make partial withdrawals from the funds accumulated in your investment. This means while you cannot access all the money in your investments in one go, you can debit a certain amount from the fund a few times per policy year. These partial withdrawals are free of cost up to a certain number of withdrawals.
Is it possible to surrender your Unit-Linked Insurance Plan?
Yes, you can surrender your Unit-Linked Insurance Plan before the end of the policy term if you really need to do so. However, you end up losing on a lot of benefits such as life insurance coverage which will secure your family from unforeseen circumstances and long-term investment benefit.
How many partial withdrawals are allowed under the Tata AIA Smart Sampoorna Raksha?
You are allowed to make up to 4 partial withdrawals for each policy year after 5 policy years from the date of the policy issuance. It is important that your policy is still in force if you want to make partial withdrawals. These yearly withdrawals do not carry any charges.
How can I receive my maturity benefits from the Tata AIA Smart Sampoorna Raksha?
You can choose to receive your maturity benefit from the policy either as a lump sum or in the form of instalments during a 5-year settlement period that starts on the policy maturity date. The first instalment will be paid out on the maturity date, while the remaining will be paid out on a yearly, half-yearly, quarterly, or monthly basis, as per your preference.
How is the Net Asset Value calculated?
The Net Asset Value (NAV) of your funds will be calculated as:
Market value of the investment in the fund + value of current assets - (value of existing liabilities, if any)
Simply multiply all the units in your fund with the current NAV that is published on the official Tata AIA Life Insurance website to know the value of your investments.
What is premium redirection?
Premium redirection is a feature that allows you to allocate upcoming premiums to a different investment or set of funds. It does not carry an additional charge; however, do note that you cannot avail of the premium redirection facility if you have selected the Enhanced SMART portfolio strategy.
What is the policy term I can choose under this Unit-Linked Insurance Plan?
You can choose a policy term of between 30 – 40 years under the Tata AIA Smart Sampoorna Raksha, as per your preference of life cover.
What is the premium paying term under the Tata AIA Smart Sampoorna Raksha?
The premium paying terms under this policy are as below:
- Limited Pay – 5 / 10/ 12 years
- Regular Pay (equal to Policy Term)
What is the maturity benefit to be received from this Unit-Linked Insurance Plan?
If you survive the policy term and the policy has not been surrendered, you will be eligible for a maturity benefit that comprises the total fund value of your investments in the policy as well as the top-up premium fund. The total investment will be valued per the applicable Net Asset Value (NAV) on the date of policy maturity as given on the Tata AIA Life Insurance official website.
Do I need to file a claim while making partial withdrawals from my funds?
No, there is no need to file a claim to make partial withdrawals from your ULIP fund. However, you can always reach out to our customer care team to understand the withdrawal process.
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:
Email us at: customercare@tataaia.com
Call our helpline number - 1860-266-9966 (local charges apply)
Walk into any of the Tata AIA Life Insurance Company branch offices
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.
What can be done if a nominee passes away before the insured?
In case the nominee passes away before the insured’s death within the policy term, the insured can appoint another nominee who will manage the death benefit once received. The pre-appointed nominee in either case should be related to the family or preferably, someone in the immediate family.
Looking to buy a new insurance plan?
Our experts are happy to help you!
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Disclaimer
- The full name of Tata AIA Smart Sampoorna Raksha is Tata AIA Life Insurance Smart Sampoorna Raksha - Unit-linked, Non-participating, Individual Life Insurance Plan for Savings and Protection (UIN: 110L156V03)
- ~Maximum policy term is 40 years.
- %All funds open for new business which have completed 5 years since inception are rated 4 or 5 star by Morningstar on a 5 year basis as of Mar’2023
- ^^©2020 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 the data published on various dates and procured from various sources and (5) shall not be construed as a n 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 traducing decisions, damages or other losses resulting directly or indirectly from the information.
- ^Riders 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.
- Tata AIA Accidental Death and Dismemberment (Long Scale) (ADDL) Linked Rider - Linked, Individual, Health Insurance Rider (UIN: 110A027V02 or later), Tata AIA Waiver of Premium (Linked) Rider - Linked, Individual, Health Insurance Rider (UIN: 110A026V02 or later), Tata AIA Waiver of Premium Plus (Linked) Rider - A Non-Linked, Non-Participating, Individual Health Insurance, Premium Paying Rider (UIN: 110B029V02 or later), Tata AIA Vitality Protect Plus - A Non-Linked, Non- Participating Individual Health rider (UIN: 110A048V01 or any later version), Tata AIA Vitality Health Plus - A Non-Linked, Non- Participating Individual Health rider (UIN: 110A047V01 or any later version), Tata AIA Life Insurance Linked Comprehensive Health Rider - A Non-Linked, Non- Participating Individual Health rider (UIN: 110A031V02 or any later version) are available under this plan.
- Vitality is a trademark licensed to Tata AIA Life by Amplify Health Assets PTE. Limited, a joint venture between Vitality Group International, INC. and AIA Company Limited. The assessment under the wellness program (Tata AIA Vitality) shall not be considered as a medical advice or a substitute to a consultation/treatment by a professional medical practitioner.
- *Income 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 on this site. Please consult your own tax consultant to know the tax benefits available to you.
- $The premium paid in 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 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. On survival to the end of the policy term, the Total Fund Value including Top-Up Premium Fund Value valued at applicable NAV on the date of Maturity will be paid
- This product is underwritten by Tata AIA Life Insurance Company Limited. This 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.
- 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 total premiums paid.
- For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
- Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA Life Insurance Smart Sampoorna Raksha 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 traditional insurance products and are subject to risk factors. The premium paid in 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 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 fund is managed by Tata AIA Life Insurance Company Ltd. (hereinafter the “Company”).
- 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).
- All investments made by the Company 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 know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document issued by the insurance company.
- Please make your own independent decision after consulting your financial or other professional advisor.
- 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.
- As per the amendments proposed in the Finance Bill 2021, exemption under section 10(10D)* of the Income Tax Act, 1961 shall not apply to the ULIP policies issued on or after February 1, 2021 if the aggregate annual premium (including riders, top up premium, loading (if any) and GST on riders (if any)) of all ULIP policies payable in the financial year exceeds INR 2,50,000/-. Once policy becomes ineligible, it will remain so till term of policy (except death claim). Click to know more. *Subject to fulfilling terms and conditions of Section 10 (10D).
- L&C/Advt/2023/Sep/2923
