Tata AIA Life Insurance
Smart Sampoorna Raksha 

Unit-linked, Non-participating, Individual Life Insurance Plan for Savings and Protection

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.

Life insurance wealth plans give you the unbeatable advantage of combining two key benefits — the opportunity to create wealth for your future, and the chance to protect your loved ones and secure their dreams. You can invest in the funds of your choice in a disciplined manner, so your investments can grow over time, thanks to the power of market-driven returns.

With the Smart Sampoorna Raksha plan from Tata AIA Life Insurance, you can plan your investments in such a way that you get to create a corpus for your family to rely on in the future. The long-term returns, coupled with a life insurance cover gives you the best of both worlds.



Growth of investment with market linked returns

Attractive refunds

Refund of premium allocation charges and mortality charges at different points during the policy term

Investment choices

Flexibility to invest in a variety of funds to suit your investment needs

Tax benefit

Tax benefits as per applicable tax laws*

Personal Medical Case Management (PMCM)#

Get advice from global experts with 24/7 multiple consultation services for 3 months in case of heart ailments or cancer. Click here to know more.

Highlights of Tata AIA Life Insurance Smart Sampoorna Raksha

Choose to pay your premium periodically for a limited period
The plan offers you coverage up to the age of 100
You can select any or all of the 11 fund options offered under this plan
You have the choice of systematic investment through the portfolio strategy – Enhanced SMART
As market conditions change, you can switch between the funds to keep your wealth creation goals on track

You can avail tax benefits as per applicable tax laws*

Add Life Insurance Linked Riders^

Tata AIA Life Insurance Linked Comprehensive Protection Rider 

You can choose one or more benefit options (risk covers), including death, accidental death / disability, critical illness and terminal illness
Flexibility to receive benefit as combination of lump-sum and income for fixed period, income till survival of partner, or as waiver of future premiums
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Tata AIA Life Insurance Linked Comprehensive Health Rider 

You can choose one or more benefit options (risk covers), from a list of 5 available options, including disability, hospitalization, and illness
The rider provides coverage against both major and minor injuries or illnesses, while allowing multiple claim payouts
Know More
Check eligibility Documents required

Age at entry~

 Minimum age at entry   18 years 
 Maximum age at entry   60 years 


Policy term

 Policy term   30 and 40 years 

Premium payment term

Available premium payment term options  Limited pay: 5/10/12 years
Regular pay: Equal to the policy term

Premium payment mode

 Premium payment frequency options 




Age at maturity~

 Minimum age at maturity 
 48 years 
 Maximum age at maturity 
 100 years 

Sum assured

 Minimum basic sum assured 
 10 times the Annualised premium 
 Maximum basic sum assured 
 No limit, subject to underwriting 

 ~All reference to age is as on last birthday

PAN card
Aadhaar card
Bank statement (for the previous 6 months)
Salary slip
Income tax receipt

Frequently Asked Questions

How many funds can I choose from under the Smart Sampoorna Raksha plan?

Under the Tata AIA Life Insurance Smart Sampoorna Raksha plan, you can choose from among 11 funds, ranging from equity oriented to fixed income focused, based on your risk appetite.

What is the premium payment frequency for this life insurance investment plan?

You can choose from the following premium payment frequencies

  • Annual

  • Half-yearly

  • Quarterly

  • Monthly   

How can I raise a claim under this life insurance investment policy?

You can choose any of the following channels to reach out to us and raise a claim.

  • Email us at: claims@tataaia.com

  • Call our helpline number - 1860-266-9966 (local charges apply)

  • Walk into any of the TALIC 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 documents would I require to buy an insurance policy?

You will have to submit the following mandatory documents to buy an insurance policy.

Proof of address:

The following documents are accepted as valid proof of your address.

  • Bank Statement (or passbook) with the latest entries for six months 
  • Aadhaar card
  • Passport
  • Voter's ID
  • Driver's license
  • Electricity/telephone bill
  • Ration card

Proof of identity:

Some of the documents that are accepted as valid proof of your identity include:

  • PAN card
  • Aadhaar card
  • Passport
  • Driving license

Documents showing proof of income:

These documents, which are required only for a few plans, include:

  • Salary slips of the previous 3 months
  • Income tax returns/Employer certificate
  • Bank statement of the previous 6 months
  • Latest Form 16
What are riders? Which rider can I purchase with the Smart Sampoorna Raksha?

Riders are additional provisions that you can add on to your basic insurance policy, in order to enhance the protection and the benefits you receive.

With the Tata AIA Life Insurance Smart Sampoorna Raksha (UIN: 110L156V02) plan, you can purchase the following riders if you choose the limited premium payment option.


Need help to choose the right plan?


By submitting your details, you are giving your consent to receive SMS/Call by Tata AIA Life Insurance Company Limited or its representative, with reference to this solicited inquiry even though you may be registered on the DND list. L&C/Advt/2021/Mar/0354


^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.

  • *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.

  • 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).