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Sampoorna Raksha Promise

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Get ₹1 Crore Life Cover
@₹501/month¹

Up to 18.5% discount on first year premium²
99.41% Individual Death Claim Settlement Ratio in
FY’24-25

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Premium

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Here's your customized plan

Get Life Cover of ₹1 Crore by paying a premium of

₹7,085/month (for 30 years)

₹8,287

saving Save ₹1,202 with discounts

₹ 4.2 Lakh

₹ 1 Crore

You Pay (Total)

You Get (Life Cover)

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Discounts

2% Milestone discount

2% discount on 1st year premium on these milestones

Event	Eligibility
Wedding (1 wedding only)	Within 6 months before or after the date of wedding
Birth/ Adoption of 1^st child*	Within 6 months before or after the birth/ adoption date
Home loan	Within 6 months of loan getting sanctioned
First job	Within 6 months of joining date

*Policy issuance eligibility for female customers will be determined by Board Approved Underwriting Policy (BAUP)

The above milestones cannot be clubbed to avail more discount, Such discount shall be capped to a maximum of ₹500 over the year.

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Tata AIA Sampoorna Raksha Promise - Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN:110N176V08)

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Top features of this term plan

Instant Claim payout

Get instant payout of ₹3 Lakh on claim intimation⁵

Inbuilt premium waiver

on diagnosis of terminal illness

Pay premiums later

Option to defer premiums for up to 12 months⁶

Get 100% premium back

Receive all premiums back on policy maturity³

Whole life cover

Leave a legacy with life cover up to 100 years of age⁸

15% lower premium for women

Women insured pay 15% lower premium than men

8.5% salaried discount

Savings for salaried employees⁹

10% digital discount

Discount on digital purchase¹⁰

Milestone discount

2% discount¹¹ (up to Rs. 500) on 1^st year premium for first jobbers, newly-weds,...

Milestone discount

2% discount¹¹ (up to Rs. 500) on 1^st year premium for first jobbers, newly-weds, new parents, recent homeowners

Accelerator benefit

Get 50% of base sum assured on diagnosis of terminal illness

Legacy planning

Transfer legacy sum assured to your child

Save tax up to ₹46,800¹²

Avail tax benefits¹³ as per section 80C

Earn 5% Tata NeuCoins

On 1^st year premium payment. No max. capping¹⁴

Family Discount

2% Nominee and Family discount¹⁵ on first year premiums for nominee and family members of the existing customer of TATA AIA Life’s Insurance products

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Here’s how the plan works

Pure protection
Pure protection with Riders
Protection with Return of Premium

Pure protection

Mr. Nakul, a 30-year-old, healthy Male, salaried professional, purchases a Tata AIA Life Insurance Sampoorna Raksha Promise, Life Promise Option online. He gets a total of 18.5% discount on 1st year premium.

Life cover

₹1 Crore
Annual Premium

₹ 9,135 (excl. GST)
Pays premium for

30 years
Gets cover for

30 years

AGE

30

1^st Year

Policy commences

Life cover of ₹1 Cr from day 1
AGE

50

20^th Year

If unfortunate death at age 50,

Nominee will get ₹3 Lakh instantly (within 24 hrs)⁵The remaining ₹97 Lakh is paid out at the time of claim settlement.
AGE

60

30^th Year

If Nakul survives till age 60,

No benefit will be paid and life cover ends.

Get customized quote

Pure protection with Riders

Mr. Rahul, a 35-year-old, healthy Male, self-employed individual, opts for Tata AIA Life Insurance Sampoorna Raksha Promise, Life Promise Option. In addition to a Life Cover of ₹1 Cr, he also opts for an Accidental Total and Permanent Disability (ATPD) rider of ₹1 Cr and a CritiCare Plus (CCP) rider of ₹10 Lakh¹⁷.

Life cover

₹1 Crore
Additional Benefits

ATPD: ₹1 Crore,
CCP: ₹10Lakhs
Annual Premium**

₹ 25,648 (excl. GST)
Pays premium for

40 years
Gets Cover for

40 years

AGE

30

1^st Year

Policy commences

Life cover of ₹1 Cr + ₹1 Cr Accidental Total & Permanent Disability + ₹10 Lakh Critical Illness benefit
AGE

48

18^th Year

Meets with an accident that led to permanent disability

Gets a lump sum of ₹1 Crore & ATPD rider terminates
AGE

55

25^th Year

Diagnosed with covered critical illness

Gets a lump sum of ₹10 lakhs & CCP rider terminates
AGE

60

30^th Year

If unfortunate death at age 60,

Nominee will get ₹3 Lakh instantly (within 24 hrs)⁵
The remaining ₹97 Lakh is paid out at the time of claim settlement
AGE

70

40^th Year

If Rahul survives till age 70

No benefit will be paid and life cover ends

Get customized quote

Protection with Return of Premium

Ms. Kavita, a 30-year-old, healthy female and self-employed, expects some benefit in case she survives the policy term and hence opts for Tata AIA Life Insurance Sampoorna Raksha Promise, Life Promise Plus Option online. She pays 15% lower premium (female discount) + 10% digital discount (1st year).

Life cover

₹1 Crore
Annual Premium

₹ 20,897 (excl. GST)
Additional Benefits

Return of Premium³
Pays premium for

30 years
Gets Cover for

30 years

AGE

30

1^st Year

Policy commences

Life cover of ₹1 Cr from day 1
AGE

50

20^th Year

If unfortunate death at age 50,

Nominee will get ₹3 Lakh instantly (within 24 hrs)⁵
The remaining ₹97 Lakh is paid out at the time of claim settlement
AGE

60

30^th Year

If Kavita survives till age 60,

she will receive Maturity Benefit of ₹6,48,840 & life cover ends.

Get customized quote

What’s the right duration for your term plan?

Financial responsibilities typically taper off by age 70

With rising expenses, you need a larger life cover

Plan now

Double your life cover for similar premium by taking term plan till 70 years

Cover till
70
years of age

₹2 Crore

Life cover

at ₹46,014/Year

Cover till
85
years of age

₹1 Crore

Life cover

at ₹46,078/Year

Plan now

Need advice on a new plan?

Our experts are happy to help you

Looking to buy a new life insurance plan?

Our experts are happy to help you!

Are you an NRI?

Yes

Are you an NRI?

Yes

Name

Why Choose Tata AIA Life Insurance?

4 Hours

Claim Settlement⁴

99.41%

Individual Death Claim
Settlement Ratio³ in FY23-24

85 Lakh+

Families protected so far¹⁸

4,00,000 Crore+

Retail sum assured¹⁹

1 Lakh Crore+

Assets Under Management
(AUM)²⁰

500+ Branches

Presence across major cities in India

⁴T&C apply.

Policy Document

Customer Information Sheet

1.What is a term life insurance plan?
A term insurance plan is a type of a life insurance that provides comprehensive coverage to safeguard the financial future of your loved ones. In case the policyholder passes away during the policy term, the nominee will receive a death benefit amount.
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.

2.What are insurance riders?
Riders¹⁷ are additional benefits that can be added to your basic life insurance policy. They provide extra coverage or specific benefits tailored to your needs, often at a nominal additional cost.

3.Who should consider buying a Term Insurance Plan?
A Term Insurance Plan is ideal for:
● Individuals looking for a simple and affordable insurance plan to secure their family's financial future. ● Have dependents like a spouse, children, or aging parents to take care of. ● Those who want to cover financial liabilities like a home loan, education loan, or any other debts.

4.What are the key features of a Term Insurance Plan?
●Affordability: A term premium plan is affordable if purchased early. With increase in age, the premiums may also increase hence it is suggested to buy a term plan as early as possible to secure the financial future of your family. ●High Sum Assured at Lower Premiums: You can choose a high sum assured at a relatively low premium, thus ensuring that your family’s future is secured. ●Flexible Premium Payments: You can select the policy term and the premium payment term based on your financial needs. ●Tax Benefits : Premiums paid for term insurance plans are eligible for income tax³ benefits under Section 80C of the Income Tax Act, and the death benefit is usually tax-free under Section 10(10D).

5.What are the additional benefits for women policyholders?
Women policyholders who purchase Tata AIA Sampoorna Raksha Promise will get a 15% discount on their premium amount, making this plan more affordable for them.

Tata AIA Sampoorna Raksha Promise - Non-Linked, Non-Participating, pure risk, Individual Life Insurance Product (UIN:110N176V08)
Tata AIA Maha Raksha Supreme Select - Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN: 110N171V012)
¹As per the duly approved product design and terms & conditions of the product, Illustrated premium of ₹501 is the monthly premium for a 20 yr. old female, Standard Life, Non-Smoker for ₹1 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.
²As per the duly approved product design and terms & conditions of the product, this product offers first year discount of 8.5% for Limited Pay/Regular Pay and 1% for Single Pay to salaried customers & digital discount of 1% for Single Pay, 10% for Limited Pay/Regular Pay.
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.
⁵With 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 INR 1 Cr.
⁶With FlexiPay Benefit, policyholder is allowed to defer the due premium for a period of 12 months while maintaining the full risk cover under the base plan and attached riders. At the end of Premium Deferment period, the policyholder is required to pay the due premiums, including the premium applicable for the period of Premium Deferment, i.e. the base cover premium and additional premium (if any). This benefit shall be available for multiple times with a gap of 5 policy years from the expiry date of previous Premium Deferment. The option can be exercised only after payment of 5 full years premium. No interest shall be levied on the premium due during the Premium Deferment period. If the premiums due are not paid within the grace period after expiry of the Premium Deferment, the Policy (including Rider(s), if any) shall lapse and no benefits shall be payable in the Policy or the Rider(s), if any) and company shall be entitled to recover the same from any amounts or This benefit payable under the Policy or Rider(s).
⁸Not applicable under PoS, please refer sales brochure for more information.
⁹As per the duly approved product design and terms & conditions of the product, this includes first year salaried discount of 5% for Limited Pay/Regular Pay and 1% for Single Pay.
¹⁰As per the duly approved product design and terms & conditions of the product, this includes first year salaried discount of 10% for Limited Pay/Regular Pay and 1% for Single Pay.
¹¹As per the duly approved product design and terms & conditions of the product, this product offers an additional first year premium discount of 2% for Limited/Regular Pay and 0.5% for Single Pay on reaching any one of the below mentioned life milestones:
1. Marriage - if policy is purchased within 6 months before or after the date of marriage
2. Childbirth/Adoption - if policy is purchased within 6 months before or after the birth/adoption date
3. First job - if policy is purchased within next 6 months of the joining date
4. Home loan - if policy is purchased within next 6 months of the loan getting sanctioned
Such discount is capped to a maximum of ₹500 over the year.
¹²Tax 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 as per old tax regime. 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.
¹³Income 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.
¹⁴As per the duly approved product design and terms & conditions of the product, Earn flat 5% Tata NeuCoins on insurance premium payment for Limited/Regular Pay policies, applicable for the 1^st year. For Single Pay policies, 0.5% of premium can be earned as NeuCoins. There’s no capping on the maximum amount that can be earned. Benefits will reflect in your Tata Neu wallet 30 days after policy issuance. These points can be used to shop on Tata Neu across various categories like fashion, electronics and groceries.
¹⁵As per the duly approved product design and terms & conditions of the product, the product offers first year discount of 2% for Limited Pay/Regular Pay and 1% for Single Pay under Nominee & family discount to existing TATA AIA customers
¹⁸85,76,889 families protected till 31^st December 2024.
¹⁹Retail Sum Assured for FY 2023 is Rs 4,43,479 Crore.
²⁰As on 31st December 2024, the company has a total Assets Under Management (AUM) of ₹119,602.78 Crores
²¹Rider 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:110B033V04 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:110B046V04), Tata AIA Vitality Health (A Non-Linked, Non- Participating Individual Health rider (UIN:110B045V03) are available under this plan.
This product is underwritten by Tata AIA Life Insurance Company Ltd.
Insurance cover is available under this product.
In case of non-standard lives, extra premiums will be charged as per our underwriting guidelines.
This plan is not a guaranteed issuance plan, and it will be subject to Company’s underwriting and acceptance.
For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale.
Premium will vary depending on the option chosen.
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 POS variant, the product is available with/without medical underwriting as per BAUP (Board Approved Underwriting Policy)
L&C/Advt/2025/Aug/3115

Sampoorna Raksha Promise

Success

Failure

Get ₹1 Crore Life Cover @₹501/month1

Term Insurance Calculator

Term Insurance Calculator

Here's your customized plan

Top features of this term plan

Here’s how the plan works

Pure protection

Life cover

₹1 Crore

Annual Premium

₹ 9,135 (excl. GST)

Pays premium for

30 years

Gets cover for

30 years

Policy commences

If unfortunate death at age 50,

If Nakul survives till age 60,

Pure protection with Riders

Life cover

₹1 Crore

Additional Benefits

ATPD: ₹1 Crore, CCP: ₹10Lakhs

Annual Premium**

₹ 25,648 (excl. GST)

Pays premium for

40 years

Gets Cover for

40 years

Policy commences

Meets with an accident that led to permanent disability

Diagnosed with covered critical illness

If unfortunate death at age 60,

If Rahul survives till age 70

Protection with Return of Premium

Life cover

₹1 Crore

Annual Premium

₹ 20,897 (excl. GST)

Additional Benefits

Return of Premium3

Pays premium for

30 years

Gets Cover for

30 years

Policy commences

If unfortunate death at age 50,

If Kavita survives till age 60,

What’s the right duration for your term plan?

Double your life cover for similar premium by taking term plan till 70 years

₹2 Crore

₹1 Crore

Need advice on a new plan?

Looking to buy a new life insurance plan?

Why Choose Tata AIA Life Insurance?

Downloads

Frequently Asked Questions (FAQs)

Disclaimer

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Get ₹1 Crore Life Cover
@₹501/month¹

ATPD: ₹1 Crore,
CCP: ₹10Lakhs

Return of Premium³