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Sampoorna Raksha Promise

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

₹7,085/month

Total premium: ₹14.09 Lakh

saving Save ₹1,202 with discounts

₹ 4.2 Lakh

₹ 1 Crore

You Pay (Total)

You Get (Life Cover)

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.

A certified Tata AIA expert will call you from a 1600‑series number to customize your plan.

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Tata AIA Sampoorna Raksha Promise - Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN:110N176V10)

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Get ₹1.5 Cr. Life Cover at
₹678/month²⁰

Cover yourself & spouse - both get 5% off⁷

Up to 18.5% discount on first year premium²

99.41% Claim Settlement Ratio¹⁵

¹⁵Individual Death Claim Settlemet ratio

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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 illness²¹

Pay premiums later

Option to defer premiums for up to 12 months⁶

Get 100% premium back

Receive all premiums back on policy maturity³

Cover yourself & spouse - both get 5% off

Buy Jointly with family and get 5% off on premium⁷

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

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

Benefit Illustration

Pure Protection
Pure Protection with Rider Option
Protection with Return of Premium

Pure protection

Mr. Nakul, 30-year-old, Male, salaried professional

Life cover: ₹1 Crore
Annual Premium¹⁶: ₹10,150
Pays premium term: 40 years
Gets Cover for: 30 years

Age 30

Policy starts from Day 1

Coverage begins the moment your policy is issued.

Age 50

In case of death

Your nominee gets ₹1 Crore, and the policy ends.

Age 60

If Survived

No benefit will be
paid and life cover ends.

Get customized quote

Pure protection with Riders⁷

Mr. Satish, 35-year-old, Male, salaried professional

Life cover: ₹1 Crore
Annual Premium¹⁷: ₹12,614
Pays premium term: 30 years
Gets Cover for: 40 years

Age 30

Policy starts from Day 1

Coverage begins the moment your policy is issued.

Age 48

Accident happens

Gets a lump sum of ₹1 Crore under the ATPD & rider terminates.

Age 55

Diagnosed with critical illness

Receives ₹10 Lakhs under the CCP & rider terminates

Age 60

In case of death

Your nominee gets ₹1 Crore, and the policy ends.

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Pure protection with Return of Premium³

Mrs. Lekha, 30-year-old, Female

Life cover: ₹1 Crore
Annual Premium¹⁸: ₹17,711
Pays premium term: 30 years
Gets Cover for: 30 years

Age 30

Policy starts from Day 1

Coverage begins the moment your policy is issued.

Age 50

In case of death

Your nominee gets ₹1 Crore, and the policy ends.

Age 60

If Survived

₹6,48,840 paid as Maturity Benefit, life cover ends.

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Non-Linked, Non-Participating, pure risk, Individual Life Insurance Product (UIN:110N176V11)

Best Seller

Tata AIA Sampoorna Raksha Promise

Get ₹1 Crore Life cover @ ₹826/month¹

Age: 25

Cover till age: 60 yrs

Payment duration: 35 yrs

99.41%
Individual Death Claim
Settlement Ratio²

pay later option
Defer premium
by 12 months³

Instant Payout
on terminal illness

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Are you an NRI?

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Are you an NRI?

Yes

Name

Why Choose Tata AIA Life Insurance?

4 Hours

Claim Settlement⁴

99.41%

Individual Death Claim
Settlement Ratio¹⁵ in FY23-24

98 Lakh+

Families protected so far¹²

9,00,000 Crore+

Retail Sum Assured¹²

1.45 Lakh Crore+

Assets Under Management
(AUM)¹⁴

600+ Branches

Presence across major cities in India

⁴T&C apply.

Policy Document

Customer Information Sheet

Withdrawn Products

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?
Riders¹⁹ 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 tax⁹ 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 theirx 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:110N176V12)
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).
⁷The 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.
⁸As 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:
- Marriage - if policy is purchased within 6 months before or after the date of marriage
- Childbirth/Adoption - if policy is purchased within 6 months before or after the birth/adoption date
- First job - if policy is purchased within next 6 months of the joining date
- 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.
⁹Income 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.
¹⁰As 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 1st 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.
¹¹As 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
¹²98,01,699 families protected till 18th May 2026.
¹³Retail Sum Assured for FY’25-26 is Rs 9,00,876 Crore.
¹⁴As on 31st March 2026, the company has a total Assets Under Management (AUM) of ₹145,589 Crore
¹⁵Individual Death Claim Settlement Ratio is 99.41% for FY 2024-25 as per latest audited figures
¹⁶As per the duly approved product design and terms & conditions of the product, Illustrated premium of ₹10,150 is the annual premium for a 30 yr. old male, Standard Life, Non-Smoker for ₹1 Cr. Sum Assured with Policy Term of 30 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.
¹⁷As per the duly approved product design and terms & conditions of the product, Illustrated premium of ₹12,614 is the annual premium for a 30 yr. old male, Standard Life, Non-Smoker for ₹1 Cr. Sum Assured with Policy Term of 40 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.
¹⁸As per the duly approved product design and terms & conditions of the product, Illustrated premium of ₹17,711 is the annual premium for a 30 yr. old female, Standard Life, Non-Smoker for ₹1 Cr. Sum Assured with Policy Term of 30 yrs. (Regular Pay) under Life Promise Plus 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.
¹⁹Rider 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.
²⁰As 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.
²¹Inbuilt Payout Accelerator Benefit pays out 50% of Effective Sum Assured opted in case of a Terminal Illness diagnosis.
Not applicable under PoS, please refer sales brochure for more information.
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/2026/Jun/3668

Sampoorna Raksha Promise

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Benefit Illustration

Pure protection

Policy starts from Day 1

In case of death

If Survived

Pure protection with Riders7

Policy starts from Day 1

Accident happens

Diagnosed with critical illness

In case of death

Pure protection with Return of Premium3

Policy starts from Day 1

In case of death

If Survived

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