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Personalise your plan as per your priorities.

A Non-Linked Non-Participating Individual Life Insurance Plan (UIN:110N160V03)

A Smart Term Insurance plan
with Tata AIA assurance

Tata AIA
Sampoorna Raksha Supreme

Gift your family a financially-secured future with a comprehensive
term life insurance that offers you larger cover, higher security, and
speedy settlement.

A Smart Term Insurance plan
with Tata AIA assurance

Tata AIA
Sampoorna Raksha Supreme

Gift your family a financially-secured future with a comprehensive
term life insurance that offers you larger cover, higher security, and
speedy settlement.

Enjoy long life cover up to the age of 100 years^{^}

Increase life cover at important milestones with Life stage option^*

Save taxes as much as Rs. 46,800^#

Calculate
Premium

Meet
an Advisor

Get 1 Crore life cover
@Rs. 424/month^$$

Get 1 Crore life cover
@Rs. 424/month^$$.

NRI?

Yes

+91

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
Complimentary 24x7 online

health consultation⁵
Add-on security (Riders)^##
- Enhance cover with Accidental death, Accidental Total & Permanent Disability
- 40 Critical Illness cover & Hospitalization Benefit
⁴T&C apply

Need assistance?
Let our experts get back to you.

Are you an NRI?

Yes

Name

Mobile No

+91

Calculate Premium

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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

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

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^# in taxes every year.

Avail Free Online Medical Consultation

Instant Online Medical Consultations⁵ for 23+ specialties. Connect with a doctor in 180 seconds. 24x7 doctor availability and instant connection reduces the need to visit doctors.

Benefit Illustration

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

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

Get customized quote

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

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

Get customized quote

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

₹32,800 (excl GST)

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 ₹13,77,260 & life cover ends

Get customized quote

Highlights of Tata AIA
Sampoorna Raksha Supreme

Express Claim Settlement

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

⁴T&C apply
Get Tax Benefits

Get income tax^~ benefits as per applicable income tax laws
Multiple Payment Options

The plan includes flexible premium payment options for you, which allows you to pay for the policy coverage at your convenience. Under this policy, you can choose from single, monthly, half-yearly, quarterly, and yearly premium payment frequency options.
Preferential Premium Rates for Women

The premium rates for women policyholders will be preferential as compared to smokers, non-smokers or also their male counterparts. Women policyholders or female life insured can get preferential premium rates on their insurance policy.
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.
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.
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.
Get Maturity Benefits

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

Table of Content

Why is Term Insurance Plan Essential?
Product Snapshot
Traditional Term Insurance vs Tata AIA Life Sampoorna Raksha Supreme Policy
Who Should opt for Tata AIA Life Sampoorna Raksha Supreme Plan?
Why do you need Tata AIA Life Sampoorna Raksha Supreme Plan?

Benefit Illustration
Claim Settlement Process
Frequently asked questions (FAQs) About Term Insurance Policy
Need more information? Let us help you
Disclaimer

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 Large 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 Life Sampoorna Raksha Supreme? | Tata AIA Life Insurance Policy

Who Should opt for Tata AIA Sampoorna Raksha Supreme Plan?

The Tata AIA Life Insurance Sampoorna Raksha Supreme has been designed as a comprehensive solution to meet individual insurance needs, irrespective of age group, profession, life stage, etc. With a complete solution such as this, you and your family are protected against the financial insecurities and uncertainties as well as critical ailments, accidental death, major and minor injuries and illness, and much more!

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. For such a person, the Life Option can be an ideal choice as it offers pure life cover along with an in-built Payor Accelerator Benefit that offers an additional benefit of 50% of the base sum assured in the form of a lump sum in case a terminal illness is diagnosed.

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. For such a person, the Life Option can be an ideal choice as it offers pure life cover along with an in-built Payor Accelerator Benefit that offers an additional benefit of 50% of the base sum assured in the form of a lump sum in case a terminal illness is diagnosed.
Married Couples

It is essential for newlyweds to buy a term insurance plan as with marriage you get additional responsibilities of your spouse. After your marriage, the Life Stage benefit option from Tata AIA Life Insurance Sampoorna Suraksha Supreme plan benefit can be handy for helping you increase your sum assured by 50% to help you cover your partner and take care of newer responsibilities.

Married Couples

It is essential for newlyweds to buy a term insurance plan as with marriage you get additional responsibilities of your spouse. After your marriage, the Life Stage benefit option from Tata AIA Life Insurance Sampoorna Suraksha Supreme plan benefit can be handy for helping you increase your sum assured by 50% to help you cover your partner and take care of newer responsibilities.
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%. Apart from the life cover offered by base plan option, you can also choose to Top-Up their sum assured by 5% of the basic sum assured that was chosen at policy inception. At each policy anniversary, you can get this additional coverage with the payment of extra term insurance premiums.

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%. Apart from the life cover offered by base plan option, you can also choose to Top-Up their sum assured by 5% of the basic sum assured that was chosen at policy inception. At each policy anniversary, you can get this additional coverage with the payment of extra term insurance premiums.
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. The extensive death benefit can handle all the unsettled debts while taking care of your family’s daily sustenance.

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. The extensive death benefit can handle all the unsettled debts while taking care of your family’s daily sustenance.
Retired Individuals

The Life Income Option under this solution provides the dual benefit of death benefits 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. Therefore, while planning your retirement, the Life Income Option can enable you to receive a steady income from an Income Start Age at 55, 60 or 65 years, as selected by you. This way, you can continue receiving regular income through this plan option until your demise or till the end of the policy term.

Retired Individuals

The Life Income Option under this solution provides the dual benefit of death benefits 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. Therefore, while planning your retirement, the Life Income Option can enable you to receive a steady income from an Income Start Age at 55, 60 or 65 years, as selected by you. This way, you can continue receiving regular income through this plan option until your demise or till the end of the policy term.
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. In the absence of the woman, the sum assured of a term plan can effectively enable the bereaved family to take care of the financial responsibilities. Therefore, life insurance for women is a necessity.

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. In the absence of the woman, the sum assured of a term plan can effectively enable the bereaved family to take care of the financial responsibilities. Therefore, life insurance for women is a necessity.

Product Snapshot

Tata AIA Sampoorna Raksha Supreme Product Snapshot

Tata AIA
Insurance

Sampoorna Raksha Supreme Policy

Choice of Plan Options

Life, Life Plus, Life
Income and Credit Protect
Life Cover up to

100 years

Rider Options^##

Tata AIA Vitality Health - A Non-Linked, Non- Participating Individual Health rider (UIN:110B045V01)

Tata AIA Vitality Protect - A Non-Linked, Non- Participating Individual Health rider (UIN:110B046V01)

Tata AIA Non-Linked Comprehensive Protection Rider - A Non-Linked, Non- Participating Individual Health Rider (UIN:110B033V02 or any other later version)

Tata AIA Non-Linked Comprehensive Health Rider - A Non-Linked, Non- Participating Individual Health Rider (UIN: 110B031V02 or any other later version)
Premium Paying Options

Single payment, Annual payment, Half-yearly payment, Quarterly payment, and Monthly payment options
Individual Death Claim Settlement Ratio²

98.53% in FY 2021 - 22

²T&C apply

Traditional Term Insurance vs Tata AIA Sampoorna Raksha Supreme Policy

Parameters
Return of Premiums
Whole Life Coverage
Comprehensive Financial Security
Choice of Premium Payment Options
Life Stage Option Benefit
Flexible Payout Options
Waiver of Premiums

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.

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
Entry Age (Years)	Maximum	65	65	60
Maturity Age (Years)	Minimum	23	28	65
Maturity Age (Years)	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
Pay Premium For (Premium Payment Term in Years)	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 - 40	• 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)
Stay Covered For (Policy Term in Years)	Maximum	82	• Single Pay - 40 • Limited Pay - 50 • Regular Pay - 40 (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
Life Cover Amount (Base Sum Assured in Rs)	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 6T&C apply		No	No	Guaranteed6 tax-free income with option to choose income start age - 55, 60 or 65. Flexibility to decide guaranteed6 monthly income amount. Income Rate ranges from 0.01% to 0.15% of the Base Sum assured per month in increments of 0.01%
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