Term Insurance AWARD WINNING

Investment Plans

NRI Plans

All Plans

Customer Service

Calculators

Fund Performance

What is Life Insurance?

Life insurance is a contract between you and your insurer. You pay a certain premium to the insurance company called the premium.... Read more In return, the insurance company pays your beneficiaries a sum assured in case you pass away during the coverage period, subject to the policy terms.

Life insurance lets your family pay the bills, the mortgage, and keep their quality of life during a tough time. It is a financial safety net for your family. Read less

₹1.5 Cr. Life Cover starting at ₹678/month¹

Up to 18.5% discount2 (1st year premium)

Return of premium3 option

Cover yourself & Spouse – both get 5% off¹⁸

¹20 year old female (Standard Life, Non-Smoker), regular pay, 20 year policy term

Buy Your Investment Plan

Full name (First and last)

Date of birth

Are you an NRI?

Yes

Gender

Male

Female

Do you smoke?

Yes

Email ID

Know More about Tata AIA Life Insurance Plans

Ensuring your loved ones are financially secure after you're gone is certainly not the most comfortable topic to discuss. However, the concept of life insurance aims to tackle just that. Life insurance products have evolved over time and no longer cater to the one-size-fits-all approach. Instead, they are more need-based and offer numerous benefits over and above protecting your family.

Let us delve a little deeper into this topic to learn more about this financial product and answer some crucial questions that may be on your mind.

Life insurance meaning

Life insurance represents a legal agreement between an individual and an insurance company. To provide life cover, the company receives a premium. If the policy is active and the insured person dies, the company pays a death benefit to the nominee.

Life insurance is a financial safety net for a family's breadwinner. It helps ensure that your loved ones can continue meeting their financial commitments even when the family's primary source of income is no longer available. Some policies may have investment and savings components.

Need for life insurance

Below are key reasons why people are including life insurance in their financial plans.

Income replacement

Life insurance replaces the income of a family member for whose income the family is dependent on. It helps the family with daily needs and allows them to maintain their living standards.

Financial protection for family

The payout from the policy provides income to the children, spouse, and dependant. It helps the family meet the financial responsibilities and needs of the future. It also helps the family to a lesser financial burden.

Debt repayment

Life insurance pays the loans and other pending debts. This reduces the financial burden on your family. It makes sure the family is financially secure.

Funding future goals

Life insurance helps reach the goals for the financial milestones and the goals of higher education and marriage. The benefits offered by the policy help reach the goals that are planned for the future and help keep the plans on track.

Peace of mind

The financial protection of your loved ones gives you the opportunity to focus on goals and also helps gives a sense of financial preparedness for the future.

How does a life insurance policy work?

When you buy a life insurance policy, you must pay a certain premium, which is determined by the insurance provider based on various factors. In case of any eventuality during the policy term, the insurance provider will pay a death benefit to your beneficiary. Your beneficiary may use this aid to settle your healthcare and funeral costs, repay debts, a fund for child's education or for any other purposes.

If you survive the term, a maturity benefit shall be paid (in some insurance types) to the policyholder. These funds, again, can be utilised to fulfil any financial need or goal.

Let us understand by taking an example.

Amit wants to protect his family in case of an unfortunate event of his early death. So, he buys a 20-year life insurance policy with a sum assured of ₹1.5 Crore and by paying a premium amount of Rs 20,000 every year. The sum assured is payable as a death benefit if Amit dies within the policy term and as a maturity benefit if Amit completes the policy term.

Scenario 1: If Amit survives the policy term.

Amit had paid a total premium of Rs 20,000 every year till the end of the policy term and will receive a maturity benefit as per the policy eligibility criteria along with a bonus (if any) on maturity. Post this insurance payment, the policy ceases to stay in force.

Scenario 2: If Amit dies during the policy term.

The beneficiary (nominee) will receive the sum assured of 1.5 Crore upon the death of Amit. The policy will terminate after the death benefit is paid. The sum assured received can be used to meet the same lifestyle and fulfil any obligations.

Thus, we can learn that life insurance policies can be highly versatile. It is not just a tool to secure your family's financial needs after your death but also aids in achieving your long-term financial goals. For example, you can utilise the corpus created from life insurance to pay for your child's higher education.

Benefits of life insurance

Life insurance provides a number of benefits in addition to financial protection. These products can help customers perform their financial planning and help create a more certain financial future for their family.

Financial protection

Life insurance provides financial protection to beneficiaries. The death benefit can be used for the family’s daily, monthly, yearly, or even long term needs. This benefit provides useful protection to family members in their most difficult times.

Tax advantages

Life insurance policies and benefits may provide tax⁶ advantages. These benefits can be incorporated into life insurance financial planning.

Protection at different stages of life

Life insurance provides families with financial protection during life’s unexpected situations. Benefits can be adjusted over time as financial protection needs and goals change.

Types of life insurance plans

Now that you know life insurance's meaning and benefits, let us look at the main types of life insurance plans.

Term life insurance plans

Term life insurance plans are also known as pure risk cover, as their main aim is only to provide financial protection without any saving or investment component. As a result, the premiums for term plans are relatively lower than other life insurance plans. Tata AIA Term Insurance Plans offer comprehensive protection to your loved ones at affordable premiums.

Know More about our Best-Selling Term Insurance Plan

Tata AIA

Sampoorna Raksha Promise

Get 1.5 Cr life cover @678/month¹
Up to 18.5% discount² (1st year premium)
Option to get all premiums back³

Calculate Premium

Non-Participating , Non-Linked, Pure Risk Individual Life Insurance Product
(UIN: 110N176V13)

Tata AIA

Maha Raksha Supreme Select

Get ₹2 Cr Life Cover at ₹804/month¹³
Up to 18.5% discount² (on 1st year premium)
Waiver of premium if diagnosed with terminal illness¹⁴

Calculate Premium

Non-Participating , Non-Linked, Pure Risk Individual Life Insurance Product
(UIN: 110N171V16)

Guaranteed returns plans

Guaranteed returns or savings insurance plans are a combination of insurance and savings. If the policyholder outlives the policy term, the insurer provides a maturity benefit. Some savings plans offer a regular payout during the policy term, which can help achieve short-term financial goals. Savings Plans from Tata AIA Life Insurance help you achieve all your financial goals with guaranteed returns and insurance cover.

Know More about our Best-Selling Guaranteed Return Savings Plan

Tata AIA

Fortune Guarantee Plus

Guaranteed⁷ tax-free⁶ regular income
Get 100% premiums back on maturity⁸
Health cover against 40 critical illness⁹

Calculate Premium

Non-Linked, Non-Participating, Individual Life Insurance Savings Plan
(UIN: 110N158V14)

Tata AIA

Shubh Flexi Income Plan

Start receiving income within 3 days of policy issuance
Receive cash bonus from the 1st policy month/year¹⁷
Grow income with sub-wallet¹⁵ feature and withdraw as needed

Calculate Premium

Individual, non-linked, participating, Life Insurance Savings Plan
(UIN: 110N207V03)

Unit linked insurance plan (ULIP)

ULIPs offer dual benefits of insurance and market-linked investments. The premium paid is split for protection and investment purposes. Depending on your risk appetite, you can invest in various types of funds offered by the insurance provider. With Tata AIA ULIP Plans, you can choose from multiple fund options depending on your insurance and investment needs.

Know More About Our Unit Linked Insurance Plan

Solution Composition

Tata AIA Premier SIP is a combination of the Tata AIA Smart SIP, a non-participating, unit-linked, individual life insurance savings plan (UIN: 110L174V02), and Tata AIA Health Buddy, Non-participating, Non-Linked, Individual Health Product (UIN:110N183V02). Both Tata AIA Smart SIP and Tata AIA Health Buddy are also available for sale individually.

Tata AIA

Premier SIP

Multicap fund delivered 18.54% returns (Benchmark: 13.07%)¹⁰
Generate 2^nd income with smart withdrawn strategies
Payouts are tax⁶ exempted

Calculate Returns

Solution Composition

Param Raksha Life Pro+ is designed for combination of benefits of following individual and separate products named (1) Tata AIA Smart Sampoorna Raksha Supreme Unit Linked, Non-Participating Individual Life Insurance Plan (UIN: 110L179V02) and (2) Tata AIA Health Buddy, Non-Participating, Non-Linked, Individual Health Product (UIN: 110N183V02). Both Smart Sampoorna Raksha Supreme and Tata AIA Health Buddy are also available for sale individually

Tata AIA

Param Raksha Life Pro +

Multicap fund delivered 18.54% returns (Benchmark: 13.07%)¹⁰
Payouts are tax⁶ exempted
Get high life cover to secure your family

Calculate Returns

Retirement plan

Retirement plans help build a stable financial income for an individual during his post-retirement period. This type of insurance plan typically offers annual payouts or a single lump sum payout during your retirement years. Tata AIA Retirement Solutions helps you enjoy your retirement without worrying about your finances.

Know More About our Best-Selling Pension Plan

Tata AIA

Smart Pension Secure

Build retirement corpus with top rated funds¹¹
Zero premium allocation charges
Get pension benefits with life insurance coverage

Calculate Premium

Non-Participating Unit Linked Individual Life Insurance Plan
(UIN: 110L182V09)

Tata AIA

Fortune Guarantee Pension

Get lifelong guaranteed⁷ lifetime income for your retirement
Cover your spouse too under the same plan
Get return of purchase price¹⁶

Calculate Premium

A Non-Linked, Non-Participating, Annuity Plan
(UIN:110N161V13) |T&C apply

How to buy life insurance online?

Buying life insurance online is undoubtedly one of the best ways to purchase insurance coverage. The online method makes the purchase process convenient, swift, hassle-free and timesaving. In addition, you can learn about product features, benefits and other life insurance details, compare plans easily, customise plans, pay as per your convenience, get access to 24X7 digital self-service and much more in the comfort of your home.

Factors impacting Life Insurance premiums

Insurance companies consider several factors when establishing the cost of premiums. Knowing these factors will help you identify the coverage that best fits your needs and finances.

Age

Age has a significant impact on life insurance premiums. Younger people tend to pay less as they are perceived to pose lesser risk. Premiums tend to rise as you age.

Health condition

Insurance companies will look at the state of your health when evaluating your application. Premiums can be impacted by pre-existing illness, health history, and general fitness. Insurance companies tend to offer lower premiums to those that are healthier.

Lifestyle choices

Poor lifestyle choices like smoking and excessive drinking will lead to increased premiums. These are considered to be greater health risks by insurance companies. Living a healthier life may lower premiums.

Occupation

Insurance companies may consider your occupation in assessing the cost of life insurance. Jobs that are deemed to be riskier may lead to higher premiums. Insurance companies will look at the risks associated with your occupation to determine the cost of coverage.

Coverage amount

The premium you pay will be impacted by the amount of coverage. Generally, the greater the coverage, the greater the premium. It is critical to find a coverage amount that achieves the balance between protection and cost.

Policy term

The term of the policy can impact how premiums are calculated. Policies with longer terms may have different premium costs compared to shorter term policies. Financial planning involves determining the optimal policy term.

Type of policy

Life insurance falls into many different categories. Term insurance, whole life insurance, endowment plans, and ULIPs all have different premiums. The kind of policy you choose is a major factor that affects the total price.

Medical history

Individual and family’s medical history can impact premiums. A history of serious illnesses can impact the risk assessment of an insurer. It is important to understand that you must answer questions related to your medical history on the applications completely and truthfully.

Looking to buy a new insurance plan?

Our experts are happy to help you!

Are you an NRI?

Yes

Are you an NRI?

Yes

Name

Frequently Asked Questions (FAQs) About Life Insurance

Why should I purchase life insurance online?
Purchasing a life insurance policy online helps you make an informed decision.
- You can compare various plans based on features, benefits, prices, etc., easily weigh the pros and cons and then buy the right insurance plan.
- You can buy your preferred plan anywhere, anytime.
- You get access to automated services 24X7.
- Buying online saves time with minimum paperwork and hassle-free processes.
What is a life insurance premium?

The amount of money a policyholder pays to the life insurance company in return for the coverage is a life insurance premium. The premium can be a lump sum amount or regular periodic payments.
How much life insurance coverage do you need?

Life insurance coverage requirements differ for individuals. However, the coverage should ideally be adequate to support your family financially after your death. You can calculate this amount by measuring your human life value (HLV). HLV is the sum assured and the financial estimation of your life's worth. Use the Human Life Value Calculator to know yours.
What is the cost of life insurance in India?

The cost of life insurance or the premium depends on numerous factors, as discussed earlier in the article. However, price should not be the only determinant when buying an insurance plan. You can check your estimated premium by using our premium calculators.
Is buying life insurance worth it?
Many reasons make buying a life insurance plan worth it. Some of them are:
- Protects your loved ones from financial challenges after your death
- Saves on taxes
- Builds a habit of savings and helps create wealth
- Cost-effective
Why should I purchase a life insurance plan?
A life insurance plan is an effective financial planning tool. Consider the below reasons to purchase life insurance.
- Provides financial security to your loved ones after you are gone
- Helps achieve long-term financial goals
- Supplements for your retirement incomes
- Affordable, especially at a younger age
- Tax-saving⁶ purposes
How many beneficiaries can I add to my life insurance plan?

You must add at least one beneficiary to your life insurance plan. The beneficiary can be your spouse, children, relative, business partner or trust based on the terms and conditions of your selected plan.

Additionally, you can provide a primary and a secondary beneficiary, wherein if the primary beneficiary is dead, missing or unavailable, the benefits can be transferred to the secondary beneficiary.
What is the best type of life insurance policy?

The best type of life insurance policy for you depends on your needs, goals and budget. Life insurance policies are now designed to cater effectively to every individual. Customisation (by way of riders⁵) also helps enhance your coverage. Click here to learn more.
What does life insurance not cover?
Life insurance policies are subject to terms and conditions relating to certain kinds of deaths or other exclusions. Some of these exclusions include:
- Pre-existing condition
- Driving a vehicle while intoxicated
- Participation in any illegal activity
- Self-inflicted Injury
- Natural disaster
- Homicide
Does a life insurance plan have maturity benefits?

Yes, term insurance with return of premium (TROP plans) and endowment plans (Savings Plan) offers maturity benefits.
What is a "free look period" in life insurance?

The free look period is the time the regulator (IRDAI) gives to the policyholder to assess and review the policy document. If you are unsatisfied with the policy features, exclusions or inclusions, you can terminate the policy within the free look period without attracting any penalty.
What is the eligible age for having a life insurance policy?

The eligible age will vary as per the product eligibility criteria. The minimum age for purchasing a life insurance plan in India is 18 years, and the maximum entry age is 65-70 years, based on the type of plan.
What are the flexible features of a life insurance plan?

Life insurance plans offer flexibility to the policyholder to make modifications depending on their changing needs. For example, you can change the size and tenure of the cover, top-up your premium, modify or switch investment plans, or opt for a flexible settlement option, among others.
Is life insurance an asset or liability?

Even though you pay periodic premiums for your life insurance plan, it can still be considered an asset. A life insurance policy with returns is an asset as it builds a cash value, and you get financial benefits while alive. Pure insurance plans, like term insurance, are an asset as they pay out a corpus to your family and help their financial security.

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 Sampoorna Raksha Promise - Non-Linked, Non-Participating, pure risk, Individual Life Insurance Product (UIN:110N176V13)
- Tata AIA Maha Raksha Supreme Select - Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN: 110N171V16)
- The complete name of Tata AIA Fortune Guarantee Plus is Tata AIA Life Insurance Fortune Guarantee Plus (UIN: 110N158V14) - Non-Linked, Non-Participating, Individual Life Insurance Savings Plan.
- Tata AIA Shubh Flexi Income Plan (UIN: 110N207V03) - Individual, Non-Linked, participating, Life Insurance Savings Plan
- Param Raksha Life Pro+ is designed for combination of benefits of following individual and separate products named (1) Tata AIA Smart Sampoorna Raksha Supreme Unit Linked, Non-Participating Individual Life Insurance Plan (UIN: 110L179V02) and (2) Tata AIA Health Buddy, Non-Participating, Non-Linked, Individual Health Product (UIN: 110N183V02). Both Smart Sampoorna Raksha Supreme and Tata AIA Health Buddy are also available for sale individually.
- Tata AIA Premier SIP is a combination of the Tata AIA Smart SIP, a non-participating, unit-linked, individual life insurance savings plan (UIN: 110L174V02), and Tata AIA Health Buddy, Non-Participating, Non-Linked, Individual Health Product (UIN: 110N183V02). Both Tata AIA Smart SIP and Tata AIA Health Buddy are also available for sale individually.
- Tata AIA Smart Pension Secure (UIN: 110L182V09) - Non-Participating, Unit Linked, Individual Life Insurance Pension Plan
- The complete name of Tata AIA Fortune Guarantee Pension Plan is Tata AIA Life Insurance Fortune Guarantee Pension Plan (UIN:110N161V13) - A Non-Linked Non-Participating Individual Life Insurance Plan
- ¹As per the duly approved product design and terms & conditions of the product, illustrated premium of ₹678 is the monthly premium for a 20 yr. old female, Standard Life, Non-Smoker for ₹1.5 Cr. Sum Assured with Policy Term of 20 yrs. (Regular Pay) under Life Promise Option of Tata AIA Sampoorna Raksha Promise with first year premium discount of 10% for digital purchase and 8.5% for salaried person. Please refer Benefit Illustration for more details.
- ² As per the duly approved product design and terms & conditions of the product, this includes first year digital discount of 10% for Limited Pay/Regular Pay and 8.5% salaried discount. For Single Pay, 1% discount will be available for online purchase and salaried discount each.
- ³Under Life Promise Plus Option, an amount equal to the 100% of the Total Premiums Paid (excluding loading for modal premiums) shall be payable at the end of the Policy Term, provided the life assured survives till maturity and the policy is not terminated earlier.
- ⁴Applicable to only non-early claims with more than 3 years of policy duration, non-investigation cases, up to Sum Assured of ₹50 Lakh. Applicable for branch walk in. Time limit to submit claim to Tata AIA Life Insurance is 2 pm on working days. Subject to submission of complete documents. Not applicable for ULIP policies and open title claims.
- ⁵Rider is not mandatory and is 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/ branch.
- ⁶Income 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
- 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.
- ⁷Guaranteed Income shall be total of Guaranteed annual Income plus Income Booster payable in a year. Guaranteed Income as per the chosen Income Frequency shall commence after maturity till the end of the Income Period, irrespective of survival of the life insured(s) during the Income Period.
- ⁸Return of Premium shall be the sum of Guaranteed Maturity Benefit plus Milestone Benefit and shall be payable at the end of the Income Period, irrespective of survival of the life insured(s) during the Income Period.
- ⁹Available under Regular Income with an Inbuilt Critical Illness Benefit option
- ¹⁰ Data from our Tata AIA fund fact sheet shows the performance of Tata AIA Multi Cap fund & SFIN NO: ULIF 060 15/07/14 MCF 110 as on June 2026. Benchmarked with Nifty 50
- Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your insurer carrying on life insurance business. If your policy offers guaranteed benefits then these will be clearly marked “guaranteed’. If your policy offer variable benefits then it will show two different rates of assumed future investment returns. These assumed rates of return are not guaranteed and these are not the upper or lower limits of what you might get back, as the value of your policy is dependent on a number of factors including actual future investment performance
- ¹¹All funds open for new business which have completed 5 years since inception are rated 4 star or 5 star by Morningstar as of August 2025.
- ©2025 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.
- ¹³As per the duly approved product design and terms & conditions of the product, Illustrated premium of ₹804 is the monthly premium for a 20 yr. old female, Standard Life, Non-Smoker for ₹2 Cr. Sum Assured with Policy Term of 20 yrs. (Regular Pay) under Life Promise Option of Tata AIA Sampoorna Raksha Promise with first year premium discount of 10% for digital purchase and 8.5% for salaried person. Please refer Benefit Illustration for more details.
- ¹⁴Inbuilt Payout Accelerator Benefit pays out 50% of Effective Sum Assured opted in case of a Terminal Illness diagnosis
- ¹⁵Cash bonuses, if declared, may be fully or partially received in the sub-wallet. The policyholder may withdraw the sub-wallet balance, in part or in full, at any time during the policy term. The current loyalty addition rate on the Sub-wallet will be 5.25% compounding monthly. The loyalty addition rate shall be at which RBI absorbs liquidity which is the reference rate from Standing Deposit Facility rate. The current Standing Deposit Facility rate is 5.25% p.a. and the same shall be reviewed bi-monthly. The Company may in future change the reference rate from Standing Deposit Facility rate to some other index
- ¹⁶Return of Purchase price means return of all premiums paid excluding any extra premium, any rider premium, taxes and other statutory levies, if applicable.
- ¹⁷Cash bonuses (if declared) may be opted to be paid out at the end of the chosen pay-out frequency or as premiums offset. Alternatively, the cash bonus (if declared) can be chosen to be accumulated and paid out on maturity, death or surrender. Cash bonuses are applicable for Early income and Deferred income option. Please refer Brochure for additional details
- ¹⁸The Buy Together Discount is available when purchasing a product jointly, as per the Board Approved Underwriting Policy (BAUP). The discount is 5% for Limited Pay/Regular Pay and 1% for Single Pay on 1st year premium.
- With this feature, instant death benefit of ₹3 Lakh from the Sum Assured will be paid within 1 working day from the claim registration date. This feature is applicable only after a waiting period of 3 policy years from the policy inception or revival of the policy and provided the policy is in force. The remaining sum assured shall be payable post the completion of the claim investigation. Further, in case of any discrepancy in the claim investigation resulting in the final decision of non-payment of the claim, the company reserves the right to recover the already paid amount. The acceleration of instant claim should not be construed/interpreted as acceptance of the claim. Applicable only for policies with minimum Sum Assured of ₹1 Cr. ** whenever "Instant Payout" is mentioned in text
- Risk cover commences along with policy commencement for all lives, including minor lives. 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 all the Premiums Paid. In case of non-standard lives and on submission of non-standard age proof, extra premiums will be charged as per our underwriting guidelines.
- All Premiums and interest payable under the policy are exclusive of applicable taxes, duties, surcharge, cesses, or levies which will be entirely borne/ paid by the Policyholder, in addition to the payment of such Premium or interest. Tata AIA Life shall have the right to claim, deduct, adjust, and recover the amount of any applicable tax or imposition, levied by any statutory or administrative body, from the benefits payable under the Policy.
- The risk factors of the bonuses projected under the product are not guaranteed.
- Past performance doesn't construe any indication of future bonuses.
- These products are subject to the overall performance of the insurer in terms of investments, management of expenses, mortality and lapses.
- For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
- 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.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 premium paid in Linked Life Insurance policies is subject to investment risks associated with capital markets and publicly available index. The NAV of the units may go up or down based on the performance of Fund and factors influencing the capital market/publicly available index and the insured is responsible for his/her decisions. 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
- 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
- Tata AIA Life Insurance Company Limited is only the name of the Life Insurance Company & Tata AIA Smart SIP, Tata AIA Smart Sampoorna Raksha Supreme, Tata AIA Smart Pension Secure, is only the name of the Linked Insurance contract and does not in any way indicate the quality of the contract, its future prospects or 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 another professional advisor. 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 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
- 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. 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.
- 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)
- If your policy offers variable benefits, then the illustrations on this page will show two different rates of assumed future investment returns. Currently the gross investment returns are stipulated as 4% p.a. and 8% p.a. These assumed rates of return are not guaranteed, and these are not the upper or lower limits of what you might get back, as the value of your policy is dependent on a number of factors including actual future investment performance.
- Life insurance cover is available under the solution. For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale.
- Linked Insurance Products 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
- 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 all the Premiums Paid.
- In case of non-standard lives and on submission of non-standard age proof, extra premiums will be charged as per our underwriting guidelines
- L&C/Advt/2026/Aug/4818