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    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.


    Plan Snapshot

    Personalise your plan as per your priorities.

    • Get 105% premium back 

      with Life Plus option** 

    • Boost life cover

      at important milestones*

    • Pay as per convenience

      • Monthly/ Annually/ Quarterly/ Lumpsum

    • Inbuilt privileges

      • Terminal illness benefit
      • Special premium for females

    • Express 4 Hour

      claim settlement4

    • Add-on security (Riders)##

      • Enhance cover with Accidental death, Accidental Total & Permanent Disability
      • 40 Critical Illness cover & Hospitalization Benefit


      4
      T&C apply

    Need advice on a new plan?
    Let our experts get back to you.
     

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    Benefits of Tata AIA
    Sampoorna Raksha Supreme – A Term Plan

    Get your Premium Amount Back

    Recover the premium paid during the policy tenure - Benefits of Tata AIA Life Insurance Sampoorna Raksha Supreme

    Get your Premium Amount Back

    With Life Plus plan option you can get up to 105% of the premium** amount you paid.

    Increase Life Cover at Important Milestones 

    Increase Life Cover at Important Milestones - Benefits of Tata AIA Life Insurance Sampoorna Raksha Supreme

    Increase Life Cover at Important Milestones 

    With the Life Stage* option benefit, you can Increase policy cover at important milestones such as home loan disbursal, marriage, or birth of your child.

    Get Whole Life Coverage 

    Get whole life coverage up to 100 years of age^ - Benefits of Tata AIA Life Insurance Sampoorna Raksha Supreme

    Get Whole Life Coverage 

    You can get whole life coverage up to 100 years of your age^ to guarantee long-term financial security for your loved ones.

    Enhance your Protection with Optional Riders

    Get Income Tax Benefits~as per Applicable Tax Laws - Benefits of Tata AIA Life Insurance Sampoorna Raksha Supreme

    Enhance your Protection with Optional Riders

    Riders are add-on cover to the base policy which provide additional benefits. Choose an optional rider## with your policy for coverage against critical and terminal illnesses, accidental death, etc. 

    Save Tax~ Up to Rs 46,800

    Enhance your Protection with Optional Riders - Benefits of Tata AIA Life Insurance Sampoorna Raksha Supreme

    Save Tax~ Up to Rs 46,800

    When you buy a term insurance plan, you can avail tax~ benefits as per the applicable Income tax laws and save up to Rs. 46,800 taxes every year. 

    Express Claim Settlement

    Express Claim Settlement

    Your claim settlement is our priority. Get your claim settled in 4 Hours with our Express Claim Service4

    4T&C apply

    Benefit Illustration

    • 1
    • 2
    • 3

    Only Life Cover

    Nakul is a 35-year-old healthy male. Having recently become a father, he feels that it is his responsibility to ensure the financial security of his family for which he opts for Tata AIA Sampoorna Raksha Supreme Term Plan and chooses the Life Option.

    • Life cover

      1 Cr

    • Pays premium for

      40 years

    • Annual Premium

      Rs 17,400 (excl GST)

    • Gets cover for

      40 years

    • AGE

      35

      Year 0

      Policy commences

      Life cover of ₹1 Cr from day 1    

    • If death happens within 40 years term

      Nominee will receive lump sum death benefit of ₹1 Cr & policy terminates

    • AGE

      75

      Year 40

      On survival till year 40

      No benefit will be paid and life cover ends

    Life Cover with Riders

    Rahul is a healthy, 35-year-old male. Being the sole breadwinner of his family, he works hard to ensure their well-being. He opts for Tata AIA Sampoorna Raksha Supreme with Life cover of ₹1 Crore and also opts for Accidental Total and Permanent Disability (ATPD) rider of ₹1 Cr and CritiCare Plus (CCP) rider of ₹10 Lakh.

    • Life cover

      1 Cr

    • Pays premium for

      40 years

    • Gets cover for

      40 years

    • Additional benefits

      ATPD: ₹1 Cr

      CCP: ₹10 Lakh

    • Annual Premium

      Rs 25,690 (excl GST)

      (Base Plan- 17,400 
      ATPD- 2,700
      CCP- 5,590)

    • AGE

      35

      Year 0

      Policy commences

      Life Cover of ₹1 Cr + Accidental Total & Permanent Disability of ₹1 Cr + Critical Illness Benefit of ₹10 Lakh

    • AGE

      50

      Year 15

      Meets with an accident that leads to permanent disability in year 15

      Rahul gets lump sum of ₹1 Cr & ATPD rider terminates

    • AGE

      65

      Year 30

      Diagnosed with covered critical illness in year 30

      Rahul gets lump sum of ₹10 Lakh & CCP rider terminates

    • If death happens within 40 years term

      Nominee will receive lump sum death benefit of ₹1 Cr & policy terminates

    • AGE

      75

      Year 40

      On survival till year 40

      No benefit will be paid and life cover ends

    Life Cover with Return of Premium (ROP)

    Sameer is a 35-year-old working professional. He and his wife have jointly taken a home loan and are also supporting their ageing parents. Sameer wanted a plan with life cover to provide financial security for his family but wanted to get back the premiums in case no event occurs. So, he opts for Tata AIA Sampoorna Raksha Supreme Term Plan with the Life Plus Option

    • Life cover

      1 Cr

    • Pays premium for

      40 years

    • Annual Premium

      Rs 22,600 (excl GST)

    • Additional benefits

      Return of Premium

    • Gets cover for

      40 years

    • AGE

      35

      Year 0

      Policy commences

      Life cover of ₹1 Cr from day 1

    • If death happens within 40 years term

      Nominee will receive lump sum death benefit of ₹1 Cr & policy terminates

    • AGE

      75

      Year 40

      On survival till year 40

      Sameer will receive a maturity benefit of  Rs 9,49,200 and life cover ends


     

    Looking to buy a new insurance plan? 

    Our experts are happy to help you!

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    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

    Highlights of Tata AIA Sampoorna Raksha Supreme

    • Lower Premium Rates for Women - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme

      Get Income Tax Benefits

       

      Get income tax~ benefits as per applicable income tax laws

    • Death Benefit Pay-out - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme

      Multiple Payment Options

      Under this policy, you can choose from single, monthly, half-yearly, quarterly, and yearly premium payment frequency options.

    • Flexibility to Choose Plan Option - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme

      Preferential Premium Rates for Women

      Women policyholders or female life insured can get preferential premium rates on their insurance policy.

    • Option to get Income Pay-outs - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme

      Financial Protection

      Secure your family’s financial future and ensure they live a life with the same lifestyle even in your absence with the death benefit pay-out.  

    • Maturity Benefits - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme

      Flexibility to Choose Plan Option

      Choose from four flexible plan options under this policy, each designed to serve your unique insurance needs. You can opt for the Life Option, Life Plus Option, Life Income Option and Credit Protect Option, as per your life cover needs.

    • Top-Up Sum Assured - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme

      Option To Get Income Pay-Outs

      The policyholder can choose the Income Start Age to begin receiving regular monthly income, as per the applicable plan option. You can select the Income Start Age at the age of 55, 60 or 65 years, based on your last birthday, to start receiving your regular monthly income for a peaceful life, free from financial worries. 

    • Income Term and Payment Flexibility - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme

      Get Maturity Benefits

      Provided all premiums are paid on time, you will enjoy the benefits of the return of premium** payment upon policy maturity.

    • Get Additional Benefits

      Avail Additional Benefits / Value Added Services6 up to Rs. 30,000/- per year at no additional cost

    Additional Benefits/Value Added Services6 offered with Tata AIA Life SRS Vitality Protect

    Sr. No

    Value Added Services

    Frequency

    1

    Medical Teleconsultation

    4 consultations per month

    = 48 consultations per annum

    2

    Annual Health Check-up

    1 Health check-up per annum

    3

    Personal Medical Case Management

    (PMCM) (max. 3 months of service period)

    Throughout the year

    Why is Term Life Insurance Essential? | Tata AIA Life Insurance

    Why is Term Insurance Essential?


    Term1 insurance serves an important purpose of providing a protective life cover to your loved ones and securing them against financial hardships in your absence. However, at some of the various stages of life, our insurance needs also change. 

    The Tata AIA Sampoorna Raksha Supreme Plan can help you meet certain important milestones and aid you in securing the financial future of your loved ones better at various stages of life. Besides, there are multiple advantages of buying a term insurance plan early. 

    Provides Financial Security

    Buying a term plan is important if you are the sole bread earner in your family. In case of any unfortunate event, term plans help to cover the risk and secure the future of your loved ones.

    Get Higher Cover at Lower Premium3

    When you are young, you have limited responsibilities, and you are just starting your career. As a salaried individual, you should opt for adequate life cover protection for your family in return for affordable premiums that do not burden your earnings.

    Early Mover
    Advantage

    With an increase in age, your premium may also increase. When you buy the term plan at an early age it is more affordable.

    Avail
    Tax Benefits

    When you purchase a term plan, you get Tax Benefits~ as per applicable tax laws thus it will help you to save on tax.


    Who Should opt for Tata AIA Sampoorna Raksha Supreme Plan?
     

    • Buy Term Insurance Plan Online At Younger Age

      Young Individuals

      This plan can be quite beneficial for single individuals, who may be responsible for their aged parents’ care. In the absence of this individual, the life insurance cover will provide financial assistance to the senior parents.
      Buy Term Insurance Plan Online At Younger Age

      Young Individuals

      This plan can be quite beneficial for single individuals, who may be responsible for their aged parents’ care. In the absence of this individual, the life insurance cover will provide financial assistance to the senior parents.
    • Newly married couples should buy Tata AIA Term Insurance Policy Online

      Married Couples

      It is essential for newlyweds to buy a term insurance plan as with marriage you get additional responsibilities of your spouse. With Life Stage plan option, you can increase your sum assured by 50% to help you cover your partner and take care of newer responsibilities.
      Newly married couples should buy Tata AIA Term Insurance Policy Online

      Married Couples

      It is essential for newlyweds to buy a term insurance plan as with marriage you get additional responsibilities of your spouse. With Life Stage plan option, you can increase your sum assured by 50% to help you cover your partner and take care of newer responsibilities.
    • Parents should Buy Tata AIA Term Insurance Policy Online

      Young Parents

      Couples who are planning to or already have a child/children can utilise the plan’s Life Stage Benefit option to increase their plan’s coverage by 25%.
      Parents should Buy Tata AIA Term Insurance Policy Online

      Young Parents

      Couples who are planning to or already have a child/children can utilise the plan’s Life Stage Benefit option to increase their plan’s coverage by 25%.
    • Investor need to pay regular monthly amounts of money towards your market linked investments

      Entrepreneurs

      In general, a term insurance policy can be helpful in protecting your family from the financial risks of unpaid business loans and debts in case of the untimely demise of the life assured.
      Investor need to pay regular monthly amounts of money towards your market linked investments

      Entrepreneurs

      In general, a term insurance policy can be helpful in protecting your family from the financial risks of unpaid business loans and debts in case of the untimely demise of the life assured.
    • Retired Individuals Should Buy a Term Insurance Plan Online

      Retired Individuals

      The Life Income Option under this plan provides the dual benefit of death benefit as well as regular monthly income making it an ideal choice for a stable future income to safeguard the financial security of your loved ones. You can receive a steady income from an Income Start Age at 55, 60 or 65 years, as selected by you.
      Retired Individuals Should Buy a Term Insurance Plan Online

      Retired Individuals

      The Life Income Option under this plan provides the dual benefit of death benefit as well as regular monthly income making it an ideal choice for a stable future income to safeguard the financial security of your loved ones. You can receive a steady income from an Income Start Age at 55, 60 or 65 years, as selected by you.
    • Working women should Buy a Term Insurance Plan Online

      Working Women

      Working women have responsibilities like looking after their family or old parents, managing their own expenses, making investments, planning a new business venture, their wedding, etc. Therefore, life insurance for women is a necessity.
      Working women should Buy a Term Insurance Plan Online

      Working Women

      Working women have responsibilities like looking after their family or old parents, managing their own expenses, making investments, planning a new business venture, their wedding, etc. Therefore, life insurance for women is a necessity.

    Tata AIA Sampoorna Raksha Supreme Product Snapshot


     

    Multiple Plan Options

    Life, Life Plus, Life Income and Credit Protect

    Whole Life Coverage

    Up to 100 years of age^

    Ger your Premiums Back

    Get 105% premiums paid by you with Life Plus plan option**

    Increase Life Cover

    Increase your life cover at important milestones such as marriage or childbirth*

    Express Claims Settlement

    Get your claims settled in 4 hours4

    Easy Premium Payment Options

    Single, Annual, Half-yearly, Quarterly, and Monthly payment options available


     

    Traditional Term Insurance vs Tata AIA Sampoorna Raksha Supreme Policy

    Parameters
    Offer a return of premiums on survival | Traditional Term Insurance vs Tata AIA Life Sampoorna Raksha Supreme

    Return of Premiums

    Whole Life Coverage up to a limited number of years | Traditional Term Insurance vs Tata AIA Life Sampoorna Raksha Supreme

    Whole Life Coverage

    Comprehensive Financial Security To Loved Ones | Traditional Term Insurance vs Tata AIA Life Sampoorna Raksha Supreme

    Comprehensive Financial Security

    Choice of Premium Payment Options | Traditional Term Insurance vs Tata AIA Life Sampoorna Raksha Supreme

    Choice of Premium Payment Options

    Life Stage Option Benefit | Traditional Term Insurance vs Tata AIA Life Sampoorna Raksha Supreme

    Life Stage Option Benefit

    Flexible Payout Options | Traditional Term Insurance vs Tata AIA Life Sampoorna Raksha Supreme

    Flexible Payout Options

    Waiver of Premiums | Traditional Term Insurance vs Tata AIA Life Sampoorna Raksha Supreme

    Waiver of Premiums

    Check about Traditional Term Insurance Plans

    Traditional Term Plans

    Traditional term plans that offer a pure risk cover do not offer a return of premiums on survival.

    These term plans offer pure risk cover only up to a limited number of years.

    A simple and traditional term insurance plan only offers a death benefit to your loved ones.

    Traditional term plans generally offer limited and fixed options when it comes to the payment of term insurance premiums in return for life cover protection.

    Traditional term plans do not often offer the benefit of increasing the policy coverage systematically during important stages of your life.

    There may not be much of a choice when it comes to receiving the death benefit payouts from a traditional term plan.

    The term insurance coverage of a pure risk term plan ends when you are unable to make premium payments to uphold the policy.

    Buy Tata AIA Sampoorna Raksha Supreme Life Insurance Plan

    Sampoorna Raksha Supreme Policy

    You can get 105% of the total premiums** paid as a survival benefit under the Life Plus Option.

    Under this plan, you can avail of whole life coverage up to 100 years of age^.

    With a range of rider options, you can be covered against critical illness, accidental death, etc., under this plan.

    This solution allows you to choose between Single Pay, Limited Pay and Regular Pay as well as flexible premium payment modes.

    The Life Stage Benefit Option lets you increase your insurance cover by 25%, 50% or 100%, in accordance with the requirement during a certain life stage.

    With our solution, you can opt for a lump sum payout or a regular income of up to 60 months or a combination of both options.

    The rider option under this plan enables you to uphold the policy and waives off future term insurance premiums while keeping the policy in effect.

    Why Do You Need Tata AIA Sampoorna Raksha Supreme?

    The Tata AIA Sampoorna Raksha Supreme and its flexible plan options are designed to help you meet your insurance needs. At each life stage, regardless of one’s gender, occupation, age, etc., this plan can prepare your family for life’s uncertain events.

    • When it comes to choosing a simple life cover, you can opt for the Life Option to secure the needs of your loved ones in your absence.

    • If you want a return on the premiums of your insurance plan, the Life Plus Option enables you to receive 105% of the total premiums** paid on your base plan as a survival benefit.

    • The Life Income Option offers regular income as well as a death benefit. You can choose to receive the income payouts at convenient age selected by you.

    • The Credit Protect option offers a pure risk cover that you can use to protect your dear ones against unpaid loans and debts in your absence.

    • All the plan options offer an in-built Payor Accelerator Benefit advances a benefit equal to 50% of your sum assured if you are diagnosed with a terminal illness.

    • Additionally, you can also enhance your life insurance coverage with the rider## options available for all the plan options.

    Know the Right Plan Option for You

       

    Tata AIA Sampoorna Raksha Supreme

    Plan Option

     

    Life

    Life Plus

    Life Income

    Entry Age (Years)

    Minimum

    18

    18

    20

    Maximum

    65

    65

    60

    Maturity Age (Years)

    Minimum

    23

    28

    65

    Maximum

    100

    100

    100

    Pay Premium For

    (Premium Payment Term in Years)

     

    Minimum

    • Single Pay


    • Limited Pay – 5


    • Regular Pay - 5

    • Single Pay


    • Limited Pay - 5, 10, 12


    • Regular Pay - 10

    • 5 to 15


    • Pay till age 60

    Maximum

    • Single Pay


    • Limited Pay - Benefit Option Term minus 1


    • Regular Pay - Same as Benefit Option Term

    • Single Pay


    • Limited Pay - 5, 10, 12


    • Regular Pay - 82

    • 5 to 15


    • Pay till age 60

    Stay Covered For

    (Policy Term in Years)

    Minimum

    10

    • Single Pay - 10
    • Limited Pay - 10
    • Regular Pay - 10

    10


    (Subject to maturity age of at least 65 years)

    Maximum

    82

    • Single Pay - 82
    • Limited Pay - 82
    • Regular Pay - 82

    (Subject to maximum maturity age of 100 years)

    80


    (Sub to maximum maturity age of 100 years)

    Life Cover Amount

    (Base Sum Assured in Rs)

    Minimum

    50 Lakh

    50 Lakh

    50 Lakh

    Maximum

    No Limit

    (Subject to Board

    approved underwriting

    policy (BAUP))

    No Limit

    (Subject to Board

    approved underwriting

    policy (BAUP))

    No Limit

    (Subject to Board

    approved underwriting

    policy (BAUP))

    Premium Payment Mode

    Annual

    Semi-annual

    Quarterly

    Monthly

    Annual

    Semi-annual

    Quarterly

    Monthly

    Annual

    Semi-annual

    Quarterly

    Monthly

    Death Benefit

    Lump sum life cover paid to the claimant on death of the Life Assured

    Lump sum life cover paid to the claimant on death of the Life Assured

    Lump sum life cover paid to the claimant on death of the Life Assured

    Option To Cover till Age Of 100

    (Whole Life Coverage)^

    Yes

    Yes

    Yes

    Option To Get Your Premium Amount** Back

    No

    You can get 105% of total base plan premiums paid (excl. loading, taxes & discount) returned on survival

    No

    Increase Life Cover at Important Milestones* such as Marriage or Childbirth

    Systematic cover increase option available

    (Life Stage Option)

    Systematic cover increase option available

    (Life Stage Option)

    No

    Terminal Illness Cover

    Payor Accelerator Benefit – 50% of the base sum assured paid on terminal Illness and the remaining amount paid to the nominee on death of the Life Assured

    Payor Accelerator Benefit – 50% of the base sum assured paid on terminal Illness and the remaining amount paid to the nominee on death of the Life Assured

    Payor Accelerator Benefit – 50% of the base SA paid on terminal Illness

    Health Benefit

    Option to attach Tata AIA Vitality and Comprehensive Riders

    Option to attach Tata AIA Vitality and Comprehensive Riders

    Option to attach Tata AIA Vitality and Comprehensive Riders

    Income Benefit

    No

    No

    Get tax-free~ income with option to choose income start age i.e. 55, 60 or 65 years.

    Tax Benefit Up to Rs. 46,800#

    Yes

    Yes

    Yes

    Wellness Program^^

    Tata AIA Vitality membership at no cost available with optional Vitality Riders

    Tata AIA Vitality membership at no cost available with optional Vitality Riders

    Tata AIA Vitality membership at no cost available with optional Vitality Riders

    Upfront Premium Discount

    Upfront discount of up to 10%~~ on first year Rider premium

    Upfront discount of up to 10%~~  on first year Rider premium

    Upfront discount of up to 10%~~  on first year Rider premium

    Upfront Premium Discount

    Discount of up to 30%~~  on premium of Vitality riders based on wellness status and Benefit Option chosen

    Discount of up to 30%~~  on premium of Vitality riders based on wellness status and Benefit Option chosen

    Discount of up to 30%~~  on premium of Vitality riders based on wellness status and Benefit Option chosen

    Other Benefits

    Multiple options to pay premium – Single, Limited, and Regular Pay

    Preferential premium rates for female lives

    Multiple options to pay premium – Single, Limited, and Regular Pay

    Preferential premium rates for female lives

    Limited premium payment term of 5 and 10 years


    Preferential premium rates for female lives

    See All See Less

    Enrol in Tata AIA Vitality (Wellness Program)^^
     

    Mobile Banner Image


    Tata AIA Vitality is a globally recognized, holistic and science-based wellness program that helps you understand and improve your health while also rewarding you. The rewards may be in the form of Discount on Premium, Cover Booster etc.

    On enrolling into the Wellness Program, you can get an upfront discount~~ of 10% on your first year rider premiums. The premium discount in the subsequent years may increase or decrease based on your Wellness status.

    Desktop Banner Image

    Enhance Your Cover with These Riders

    You can include the below mentioned riders to increase your plan coverage
     


    How to Purchase this Policy Online?

    • 01

      Choose a Plan Option

      Choose from four flexible plan options under this policy. You can opt for the Life Option, Life Plus Option, Life Income Option and Credit Protect Option, as per your life cover needs.
    • 02

      Choose a Suitable Sum Assured

      Choose a sum assured (Life Cover) as per your financial requirements. It is suggested that you should choose a sum assured at least 20 times your annual income.
    • 03

      Select a Suitable Policy Term and Premium Payment Term

      Choose the Policy Term and Premium Payment Term as per your convenience. Under this policy, you can choose from single, monthly, half-yearly, quarterly, and yearly premium payment frequency options.
    • 04

      Add Optional Riders

      You can add optional riders## to increase your plan coverage.
    • 05

      Pay Premium

      You can pay your premium online using multiple online payment methods.


     

    Claim Settlement About Term Insurance Policy

    The Tata AIA Sampoorna Raksha Supreme and its flexible plan options are designed to help you meet your insurance need. At each life stage, regardless of one's gender, occupation, age, etc., this plan can prepare your family for life's uncertain events.

    Tata AIA Life Insurance helps you settle your claims in three easy steps –

    Step 01

    Register you claim online and upload your documents

    Step 02

    Documents are verified and claim is processed

    Step 03

    Claim amount is disbursed
    • Easy Claim Initiative provides convenient claim service at your doorstep
      Doorstep claim services

      Our Easy Claim Initiative provides convenient claim service at your doorstep. The Beneficiary can call our helpline to schedule an appointment. Our Rakshakarta agent will visit your residence and help in completing the documentation and quickly initiate the claim process.

    • Express Claims - 4 hour claim settlement service
      4 hour claim settlement

      Also, with our Express Claims4 service, a unique service initiative, the Beneficiary can submit the necessary documents with our Rakshakarta agent who will initiate the claim process and ensure that the claim amount is received within 4 hours.

      4T&C apply


     

    Frequently Asked Questions (FAQs) About Term Insurance Policy

    General Policy Cover Premium Claim
    What is a term life insurance plan?

    Term Life Insurance is a pure protection life cover product. In term insurance, the policyholder pays a specified sum as a premium to the life insurance company, and in return, the company provides life cover to the insured. On any unfortunate event such as death of the life assured, the pre-specified sum assured (also known as the death benefit) is paid out to the appointed nominee.

    Term Insurance plans are affordable, and the premium amount is less if you buy at a younger age. Term insurance plans are a must-have for anyone who is a breadwinner for their family and has loved one’s dependent on their income.

    Why should I buy a term insurance plan?

    Term insurance plans offer a high sum assured for a low premium cost as compared to other life insurance policies. These plans are perfect for people who are the bread earners in the family and have financial dependents. Here are a few reasons why you should buy a term life insurance plan:

    • Cost-effective coverage: Term insurance plans have one of the lowest premiums among life insurance policies. You can seamlessly get extensive coverage of up to Rs 1 crore well within your budget.

    • Safeguard your family's financial future: The death benefit pay-out from a term insurance plan will secure your family's financial future, even in your absence.

    • Customizable cover: You can enhance the coverage of the term plan with a choice of add on riders

    • Tax benefits: The premiums paid for a term insurance can used for availing income tax~ benefit as per applicable tax laws. 

    Does term insurance only provide a pure life cover?

    A pure term plan will provide only life cover and death benefits to the deceased policyholder’s family if the death occurs within the policy term. However, if the term plan offers a return on premium, then the total of all the premiums paid under the base plan will be paid back to the policyholder if they survive the policy term.

    Who should buy term insurance?

    Anyone who needs a pure risk cover, has financial liabilities and/or wants to secure their family against financial obligations in case of an unfortunate event should get a term insurance policy.

    Is buying a term policy online safe?

    Yes, purchasing a term policy online is safe. Also, the payment process is secured, and you get the benefit of easy access to your policy account, and more transparency and ease in paying the renewal premium.

    Is Tata AIA Sampoorna Raksha Supreme a pure term plan?

    Tata AIA Sampoorna Raksha Supreme has four plan options, out of which the Life Option and the Credit Protect Option are pure term plans while the Life Plus Option and the Life Income Option offer return of premiums and a regular income option respectively, subject to terms and conditions.

    What are the major features of Sampoorna Raksha Supreme?

    The Tata AIA Sampoorna Raksha Supreme Plan is another addition to the Rakshakaran or Protection plan category of Tata AIA Life. The key features of the plan include:

    • Choice of different death benefit options from Life Option, Life Plus Option, Life Income Option and Credit Protect Option
    • Whole life coverage up to 100 years of age^
    • Life Stage Option to increase the sum assured at critical stages of life
    • Inbuilt Payor Accelerator to receive 50% of the sum assured in case of a terminal illness diagnosis
    • Choice to receive death benefit payout as a lump sum, regular income, or lump sum + regular income
    • Choice of the policy term and premium paying term
    • Ability to choose from a list of unique riders for coverage enhancement
    • Preferential premium rates for female policyholders
    • Tax benefits~ as per applicable tax laws
    How many plan options can one choose under this policy?

    There are four types of plan options available under the Tata AIA Life Sampoorna Raksha Supreme plan:

    • Life Option - pure risk cover with a death benefit
    • Life Plus Option - protection-oriented cover with a death benefit + return of premium on maturity)
    • Life Income Option - pure risk cover with a death benefit + survival benefits as a regular income benefit during the policy term
    • Credit Protect Option - pure risk cover with a death benefit in line with the outstanding loan amount

    When does the earliest one can choose to purchase the plan?

    The minimum entry age for purchasing the policy and availing of its benefits is 18 years except for Life Income plan option where the entry age is 30 years. 

    What is the Inbuilt Payor Accelerator Benefit with this plan?

    Under the Inbuilt Payor Accelerator Benefit, a pre-defined percentage of the sum assured is paid out to the policyholder on the confirmed diagnosis of terminal illnesses. The benefit paid out under this feature is a part of the base/effective sum assured, and the payout reduces the sum assured of the plan. Upon payment, the policy will continue with the reduced sum assured and applicable premiums.

    For detailed information regarding the definition of terminal illness, the medical requirements, effective rates under different coverage options and other guidelines, kindly refer to the policy document.

    Can I get maturity benefits with this plan?

    Under Tata AIA Sampoorna Raksha Supreme Plan, you can get maturity benefits only under the Life Plus Option coverage. The coverage option pays out 105% of the total premiums** paid as a maturity benefit.

    What are the different Death Benefit options available with the plan?

    Under the Tata AIA Sampoorna Raksha Supreme plan, you get the flexibility to choose between Life Option, Life Plus Option, Life Income, and Credit Protect death benefit options.

    The Life and Life Plus Option will provide the policyholder with insurance coverage if they pass away during the plan’s tenure.

    The Life Income Option will provide the policyholder with income based on the income start age and income rate provided by the policyholder during policy initiation. The policyholder will get the income from the plan until the plan expires or they pass away.

    The Credit Protect option will help the policyholder in taking care of outstanding loans or debts.   

    Is it better to choose the Life Option or the Life Plus Option in the policy?

    If your requirements indicate the need for pure life cover protection, then the Life Option is the right choice for you. However, if you want to get more out of your term plan than life cover, then the Life Plus Option offers a 105% return of the total premiums** paid on the base policy.

    Is there a critical or terminal illness benefit that comes with the plan?

    Yes, all the plan options under the Tata AIA Sampoorna Raksha Supreme have an inbuilt Payor Accelerator Benefit that offers 50% of the sum assured if the policyholder is diagnosed with a terminal illness and once the claim is approved.

    Can I increase my sum assured at specific stages of life with this plan?

    Yes! We understand your need to adjust your term insurance coverage as per your changing liabilities. This is why we offer the Life Stage Benefit with our Tata AIA Sampoorna Raksha Supreme Plan. Under this option, policyholders can increase their sum assured at specific life stages by paying an additional plan premium. The sum assured can be increased by a predetermined percentage within 180 days of the following incidents:

    • Marriage (only 1 marriage covered) - 50%
    • Birth/Adoption of first child - 5%
    • Birth/Adoption of 2nd child - 25%
    • Home Loan Disbursal - 100% (subject to disbursal of home loan)

    For detailed instructions, procedures, and eligibility for this feature, kindly read the policy document carefully.

    Can I regularly increase the sum assured at every policy anniversary?

    Yes, the sum assured for the Tata AIA Sampoorna Raksha Supreme can be increased through the Top-up Sum Assured Option. 

    Does the plan have a Critical Illness cover? Which critical ailments are covered by the rider?

    You can opt for any of the two riders - Tata AIA Non-Linked Comprehensive Protection Rider or Tata AIA Non-Linked Comprehensive Health Rider for Critical Illness Cover. The detailed list of critical illnesses covered under the riders is available in the respective policy documents.

    Can I increase my plan’s life cover during the policy term?

    Yes, you can increase the life cover of your Life or Life Plus plan at any point in time with the Life Stage Option. This optional benefit, you can avail of additional life coverage for important milestones, as per the events and the percentage increase specified in the policy. You will have to increase the sum assured within 180 days of the event to avail of the additional coverage.

    With the Top-Up Sum Assured option under your Life or Life Plus plan, you can choose to increase your life cover by 5% of the basic sum assured select at the policy inception. This increase can be opted for at every policy anniversary with an additional premium payment.

    What rider benefits are available with Sampoorna Raksha Supreme?

    When it comes to Tata AIA Sampoorna Raksha Supreme, you get a choice of multiple rider## options with the base product:

     

    1. Tata AIA Vitality Health - A Non-Linked, Non- Participating Individual Health rider (UIN:110B045V02)
    2. Tata AIA Vitality Protect - A Non-Linked, Non- Participating Individual Health rider (UIN:110B046V02)
    3. Tata AIA Non-Linked Comprehensive Protection Rider - A Non-Linked, Non- Participating Individual Health Rider (UIN:110B033V03 or any other later version)
    4. Tata AIA Non-Linked Comprehensive Health Rider - A Non-Linked, Non- Participating Individual Health Rider (UIN: 110B031V03 or any other later version)
    What are the options under the premium payment frequency?

    Under the Tata AIA Sampoorna Raksha Supreme policy, one can opt for a single premium payment option or pay the premiums on a monthly, quarterly, half-yearly or annual basis.

    Does the plan offer any preferential premium rates?

    Under the Tata AIA Sampoorna Raksha Supreme plan, non-smokers and women can get preferential premium rates. 

    How can I buy Sampoorna Raksha Supreme plan online?

    Tata AIA Life offers a seamless online process to buy their term plan Tata AIA Life Sampoorna Raksha Supreme:

    • Visit the Tata AIA website. Click on “Buy Term Plan”
    • Provide all the details as displayed on the screen. Provide the OTP shared on your Registered Mobile Number.
    • Fill in all the details as prompted by the screen. Click on 'Get Quote'.
    • The screen will display different plan options for you. Customize them as per your requirements.
    • Add some more information needed to process your request. Click on 'Continue'.
    • The screen will display a Plan Summary. Check the details and click on 'Continue'.
    • ·Your policy number will be generated and displayed on the screen. Pay the final premium amount.
    What are the payout options under this plan?

    The death benefit under Tata AIA Sampoorna Raksha Supreme Plan is available under 3 options:

    • Lump sum - a one-time payment of the entire base/effective sum assured
    • Staggered Benefit: income stream, as stipulated by the policyholder, payable to the nominee for a fixed period and frequency
    • Combination of lump sum and staggered benefit
    What happens to the policy after a terminal illness claim is settled?

    Once the terminal illness claim is settled under this policy, the policy will continue to be in effect, and the due premiums will have to be paid. 

    Can the claim payout be made online?

    The claim initiation can be done online, and the claim payout can be made through NEFT. 

    How many claims can I make under this plan?

    If you choose the Life/Credit Protect/Life Income plan option, your beneficiaries can make a single death benefit claim on your demise during the policy term.

    If you opt for the Non-Linked Comprehensive Health Rider, you can make multiple claims under this optional rider## benefit as per the coverage it offers.

    How do I file a claim for this plan?

    If you want to raise a claim under this plan, you can choose any of the following channels – 

    • You can visit our official website, go to the Claims page to upload your documents and register your claim online.

    • For a chat-based service, type “CLAIM” and send it on our WhatsApp number 7045669966

    • If you need the documents to be picked up from your home, give us a call.

    • Look for your nearest Tata AIA branch office here and visit us.

    • Get in touch with us on customer.care@tataaia.com or on our helpline number 1860-266-9966 or NRI number +91-80-67603700 for any claim-related assistance.

    Disclaimer
    • The complete name of Tata AIA Sampoorna Raksha Supreme is Tata AIA Life Insurance Sampoorna Raksha Supreme (UIN:110N160V04) - A Non-Linked Non-Participating Individual Life Insurance Plan
    • The complete name of Tata AIA Non-Linked Comprehensive Protection Rider is Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider (UIN:110B033V03 or any other later version) - A Non-Linked, Non- Participating Individual Health Rider
    • The complete name of Tata AIA Non-Linked Comprehensive Health Rider is Tata AIA Life Insurance Non-Linked Comprehensive Health Rider (UIN: 110B031V03 or any other later version) - A Non-Linked, Non- Participating Individual Health Rider
    • *Applicable for specific plan options. Please refer brochure for additional details.
    • ^Applicable for specific plan options. Please refer brochure for additional details.
    • `Illustrated Premium is the monthly premium excluding taxes for 20 yr. old female, Standard Life, Non-Smoker for 1 Cr. Sum Assured with Policy Term of 20 yrs. (Regular Pay) under Life Option. Please refer Benefit Illustration for more details. Premium is subject to applicable taxes, cesses & levies which will be entirely borne/ paid by the Policyholder, in addition to the payment of such Premium. Tata AIA Life shall have the right to claim, deduct, adjust, recover the amount of any applicable tax or imposition, levied by any statutory or administrative body, from the benefits payable under the Policy. Kindly refer the sales illustration for the exact premium.
    • **Under Life Plus Option, an amount equal to the 105% 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.
    • ~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 in this document. Please consult your own tax consultant to know the tax benefits available to you.
    • #Tax benefits of up to ₹46,800 u/s 80C is calculated at highest tax slab rate of 31.20% (including cess excluding surcharge) on life insurance premium paid of ₹1,50,000. Tax benefits under the policy are subject to conditions laid under Section 80C, 80D,10(10D), 115BAC and other applicable provisions of the Income Tax Act,1961. Good and Service tax and Cess if any will be charged extra as per prevailing rates. The Tax-Free income is subject to conditions specified under section 10(10D) and other applicable provisions of the Income Tax Act,1961. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on above.
    • ##Rider 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.
    • Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider (UIN:110B033V03 or any other later version) - A Non-Linked, Non- Participating Individual Health Rider, Tata AIA Life Insurance Non-Linked Comprehensive Health Rider (UIN: 110B031V03 or any other later version) - A Non-Linked, Non- Participating Individual Health Rider,  Tata AIA Vitality Protect (A Non-Linked, Non- Participating Individual Health rider (UIN:110B046V02), Tata AIA Vitality Health (A Non-Linked, Non- Participating Individual Health rider (UIN:110B045V02) 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 shall not be considered as a medical advice or a substitute to a consultation/treatment by a professional medical practitioner.
    • ^^Tata AIA Vitality - A Wellness Program that offers you an upfront discount at policy inception. You can also earn premium discount / cover booster (as applicable) for subsequent years on policy anniversary basis your Vitality Status (tracked on Vitality app) Please refer rider brochures for additional details on health and wellness benefits.
    • On enrolling into the wellness Program, you get an upfront discount of 5% on first year premium for Accidental Death, Accidental Total & Permanent Disability, Accidental Disability Care Benefits and of 10% on first year premiums of the other benefit options. The rewards are offered on cumulative basis and in any year, the maximum rewards in view of both the upfront rewards and annual rewards _ex together shall be 15% for Accidental Disability Care and 30% for all other benefit options. Discount is driven by accumulated points which is achieved through wellness status. Please refer policy document for more details.
    • ~~Wellness Discount is available with Vitality riders as follows:
    •  

      Vitality Health

      (HospiCare)

      Vitality Protect

      (Term Booster,

      CritiCare Plus)

      Vitality Protect

      (Accidental Death,

      Accidental Total & Permanent Disability)

      Upfront discount on first year Rider premium

      10%

      10%

      5%

      Discount on renewal premium

      Up to 30% based on wellness status

      Up to 15% based on wellness status

    • 1This plan offers pure risk cover under Life Option and return of premium benefit under Life Plus Option. Additional options are also available in this plan. Please refer sales brochure for complete details.
    • 2Individual Death Claim Settlement Ratio is 99.01% for FY 2022 - 23 as per the latest annual audited figures.
    • 3Applicable to large sum assured. For more details, please refer discount table in product brochure.
    • 4Applicable to only non-early claims with more than 3 years of policy duration, non-investigation cases, up to Sum Assured of Rs. 50 lakhs. 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.
    • 5Online Discount is applicable in first year only.
    • 6The above-mentioned costs are based on estimated average market price for respective services and the eligibility criteria for availing teleconsultation and Personal Medical Case Management services is minimum total Sum Assured of Rs. 30 Lakhs [under base plan and Vitality rider/s]. For more information, please contact your Insurance Advisor / Intermediary or visit Tata AIA Life’s nearest branch office or call 1-860-266-9966 (local charges apply) or write to us at customercare@tataaia.com. Visit us at: www.tataaia.com.
    • This plan offers pure risk premium option under Life Option and return of premium benefit under Life Plus Option along with other benefits. Please refer sales brochure for complete details.
    • This product is underwritten by Tata AIA Life Insurance Company Ltd. 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. For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale.
    • In case of sub-standard lives, extra premiums will be charged as per our underwriting guidelines.
    • 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.
    • L&C/Advt/2024/Mar/0960