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    • Flexibility and Affordability with Return of Premium Term Insurance

      Tata AIA Term Plans with Return of Premium

      Protect your family against uncertainty with Tata AIA's TROP plans!
       

      Term insurance plans are known to be flexible, affordable, and suited for nearly everyone. But since everyone's insurance needs are different, Tata AIA brings to you term plans with a return of premium that offer maturity and death benefits. Enjoy dual benefits under a term single plan! 

    What is a Term Plan with Return of Premium (TROP)

    Happy Family Financially Secured Under Sampoorna Raksha Supreme

    A term plan with a return of premium (TROP) is a variant of term insurance. These plans offer a maturity benefit where you will be paid back all the premiums paid (minus GST) towards the term plan upon surviving the policy term. 

    Premiums for these plans will be slightly higher than basic term plans. Like pure-term plans, they also offer death benefits to your family in the event of your demise. In simple terms, TROPs are term plans that offer dual benefits under a single term insurance plan.
     
    Also Read: What is Term Insurance?

    • Employee Insurance Icon

      How does a Term Plan with Return of Premium Work?

      Term plans with return of premiums function similarly to pure term plans. The main distinction between a term plan and a term plan with a return of premium is the maturity benefit offered by TROPs.

      Hence, term plans with a return of premiums will have:

      • Death Benefit: Paid to the policyholder's family upon their death during the policy's term.

      • Maturity Benefit: Paid to the policyholder when they survive the term plan's tenure. 

      • Level Premiums: Premiums for TROPs will stay the same throughout the policy's duration but will be higher than pure term plan premiums. 

      Let us look at an example to see how TROPs work using Tata AIA's term plan with return of premium. 


    Example:  


    Mr Sunil, aged 30, non-smoker, is a salaried employee who buys our Sampoorna Raksha Supreme plan with a cover of ₹1 Crore for a term of 30 years to secure his family – his wife and two dependent children. 


    He names his wife as the policy nominee and opts for a Return of Premium feature under the plan. Under these parameters, 

    • His annual premiums will amount to ₹20,895, which will stay the same throughout the policy's term. In comparison, if he opted for a basic term plan, his annual premiums would have been ₹11,084.

    • If Mr Sunil dies during the 30-year policy term, his wife will get a death benefit pay out of ₹1 Crore. This amount will be fully 4tax-exempt under applicable income tax laws. 

    • If Mr Sunil survives the policy term, he will get a return payment of all premiums paid (minus GST) toward Tata AIA Life Insurance under his term plan. This amount is also 4tax-exempt since his annual premiums do not exceed ₹5 Lakhs.  

    • In cases where his annual premiums for his TROP plan exceed ₹5 lakhs, Mr Sunil will be taxed per his tax slab rate under his chosen tax regime.  
       

    Also Read: Term Insurance Tax Benefits Under Section 80C & 80D
     

    Difference Between Pure Term Insurance and Term Plans with Return of Premium

    Parameters

    Pure Term Insurance Plan

    Term Plan with Return of Premium

    Definition

    The simplest form of life insurance that offers pure risk coverage.

    Variant of a term insurance that offers a return on total premiums paid on maturity.

    Benefits

    Death benefit only

    Death benefit and maturity benefit

    Premiums

    Affordable

    Higher than pure term plans

    Ideal For

    Those only looking for risk coverage and want an affordable life solution.

    Those looking for a life solution that offers maturity benefits and can afford to pay higher premiums.


    Who should buy a Term Plan with Return of Premium?

    • Individual Term Life Insurance Policy

      Single or Unmarried Individuals 

      If you are single or unmarried with fewer dependents or dependent parents, you can benefit from buying a term plan with return of premiums. The dual benefit ensures your loved ones are taken care of either way since the pay outs are 4tax-free under applicable tax laws. 
      Individual Term Life Insurance Policy

      Single or Unmarried Individuals 

      If you are single or unmarried with fewer dependents or dependent parents, you can benefit from buying a term plan with return of premiums. The dual benefit ensures your loved ones are taken care of either way since the pay outs are 4tax-free under applicable tax laws. 
    • Married Couple with Term Insurance

      Newlywed Couples 

      As a couple, you will notice that your financial obligations will have begun to increase. You must now account for your spouse, dependent parents/in-laws and any future children. 
       

      With a term plan with a return of premium, the death benefit ensures that all your loved ones will be protected in the event of your demise. The maturity benefit can help further boost your financial security.

      Married Couple with Term Insurance

      Newlywed Couples 

      As a couple, you will notice that your financial obligations will have begun to increase. You must now account for your spouse, dependent parents/in-laws and any future children. 
       

      With a term plan with a return of premium, the death benefit ensures that all your loved ones will be protected in the event of your demise. The maturity benefit can help further boost your financial security.

    • Term Insurance Protection for the Whole Family

      Married and Have Kids

      Once children come into the picture, there are always more responsibilities. Hence, investing in life solutions like term plans with a return of premium can help safeguard your spouse and children against any future financial emergencies. Moreover, the maturity benefit of survival can be used to pay for financial obligations like your child's higher education. 
      Term Insurance Protection for the Whole Family

      Married and Have Kids

      Once children come into the picture, there are always more responsibilities. Hence, investing in life solutions like term plans with a return of premium can help safeguard your spouse and children against any future financial emergencies. Moreover, the maturity benefit of survival can be used to pay for financial obligations like your child's higher education. 
    • Term Insurance With Return of Premium Can Help Senior Citizen Couples Protect Their 2nd Innings

      Senior Citizens and Retirees

      If you are older or planning for retirement, a term plan with a money-back feature can be beneficial. It not only protects your family but also ensures that you have access to additional financial resources during your retirement.
      Term Insurance With Return of Premium Can Help Senior Citizen Couples Protect Their 2nd Innings

      Senior Citizens and Retirees

      If you are older or planning for retirement, a term plan with a money-back feature can be beneficial. It not only protects your family but also ensures that you have access to additional financial resources during your retirement.
    • NRIs 

      If you are an NRI with dependents, a term plan with a return of premium feature can help secure your loved ones back in India. As an NRI, you can also claim 5tax relief on your maturity proceeds under India's Double Taxation Avoidance Agreement (DTAA), so you are not taxed twice on the same income – in your resident country and India.

      NRIs 

      If you are an NRI with dependents, a term plan with a return of premium feature can help secure your loved ones back in India. As an NRI, you can also claim 5tax relief on your maturity proceeds under India's Double Taxation Avoidance Agreement (DTAA), so you are not taxed twice on the same income – in your resident country and India.

    Why Should You Choose a Term Plan with Return of Premium Option?

    • Money bag - Claim tax deductions as per applicable tax laws with Term Insurance Policy - Features of Tata AIA Term Insurance Policy

      5Guaranteed Premiums Refund on Maturity

      A term plan with return of premiums offers a 5guaranteed lump sum pay out of all premiums paid on the policy maturity when you outlive your term policy. You can be eligible for a refund that is equal to 105% of the total premiums* paid at the end of the policy term.


      This ensures you and your family can benefit from the term insurance plan and the premiums paid over the policy tenure are not lost. 5T&C apply.

    • Clock Icon

      Save on Tax!

      Just like regular term plans, term plans with money-back features offer 4tax benefits to policyholders and their nominees. 


      Under Section 80C of the Income Tax Act, you can claim a deduction of up to ₹1.5 lakhs for the premiums paid towards the policy, while Section 10(10D) allows for a tax exemption on the death and maturity benefits offered by the TROP plan.

    • Boy with a cap

      Life Cover and Death Benefits

      Many term plans with a return of premium also offer whole life covers that ensure your family will have access to a financial support system in case of any such untoward misfortune.


      For example, at Tata AIA, we offer coverage for up to 100 years, along with a built-in ROP feature. This ensures your TROP policy offers sustained risk coverage if you are unsure of how long you will need term insurance coverage.  

    • Flexible Death benefit payout in a term plan can be offered either as a lump sum, a regular income or a combination of both

      Enhance Risk Coverage with Riders**

      The best term insurance with return of premium often comes with several add-on riders** you can choose from. These can help enhance the base coverage of your TROP plan. 


      For example, you can add a critical illness rider or a waiver of premium rider to your plan so that, in times of emergency, you do not have to compromise on your savings or premium payments and can easily claim the additional rider coverage.

    How to Choose the Best Term Insurance with Return of Premium?

    Here are some factors to keep in mind when choosing a TROP plan so you can buy the best term insurance with a return of premium feature:

    • 01.

      Before purchasing, chart out the coverage amount that will keep your family comfortable in case of your sudden and untimely demise.

    • 02.

      Check if the premiums you will pay are well within your budget so that you do not compromise on other expenses or skip any payments.

    • 03.

      It is crucial that the claim settlement ratio of your insurance provider is high. It shows that they can undertake successful and timely claim settlements.

    • 04.

      The term plan you select should allow for annual, half-yearly, quarterly, or monthly payments so that you find it easier to make the premium payments on time.

    • 05.

      If you are aware of these simple tips before purchasing a term plan with a return of premiums, you will be able to find a policy that fulfils your needs properly.
       

    Why Should You Choose Us?
     

    • 72 Lakh+

      Families protected so far1

    • Term Plan with Riders for Extra Protection

      99.01%

      Individual Death Claim Settlement Ratio2 in FY 22 - 23

    • Continuity with Timely Payments

      4 Hours

      Express Claim Settlement3

    • Dual Benefits with Return of Premium Term Plan

      400 + Branches

      Presence across major cities in India

    3T&C apply

    Looking to buy a new insurance plan? 

    Our experts are happy to help you!

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    Popular Tata AIA Term Plans with Return of Premium

    Happy Family Financially Secured Under Sampoorna Raksha Supreme

    A Non-Linked Non-Participating Individual Life Insurance Plan (UIN:110N160V04)

    Tata AIA

    Sampoorna Raksha Supreme

    Plan Benefits
    • Get 7% Digital Discount on First Year Premium

    • Get 105% of the Premiums Paid Back*

    • Increase life cover at important milestones such as marriage or childbirth`

    • Save Income Tax up to Rs 46,800+

    Solution Composition

     

    Protect Solution comprises of Tata AIA Life Insurance Sampoorna Raksha Supreme (Non-Linked, Non-Participating, Individual Life Insurance Plan) (UIN: 110N160V04) - Life Option (in case Return of Premium is No) or Life Plus Option (in case of Return of Premium is Yes), Tata AIA Vitality Protect (UIN: 110B046V02) - A Non-linked, Non-participating, Individual Health Rider; Tata AIA Vitality Health (UIN: 110B045V02) - A Non-linked, Non-participating, Individual Health Rider. Tata AIA Life Insurance Sampoorna Raksha Supreme is also available individually for sale.
     

    Getting Comprehensive Health & Life Cover Protection

    InstaProtect Solution

    Plan Benefits

    • Get comprehensive health and life cover protection

    • With Express Issuance*** get your policy issued instantly

    • Get Health Cover against 40 Critical Illnesses## with Critical Plus Benefit

    • Get Tax Benefits4 as Per Applicable Tax Laws

    • Option to get your premiums back at the end of the policy period with Return of Premium^^^ plan feature
       

    ***T&C apply

    Features of a Term Plan with Return of Premium

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

      Dual Benefits

      Our term plans with money-back features offer death and maturity benefits, ensuring both you and your family are covered under our plans. We also offer life stage benefits under our TROP plans, where you can increase your sum assured with each life stage, ensuring your loved ones are provided with enough financial assistance.

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

      Policy Term

      With Tata AIA's term plan with return of premium, you can get comprehensive life cover protection up to 100 years of age$. This ensures that you can claim coverage for as long as you require under our term plans while securing your family!

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

      Multiple Premium Payment Options

      With Tata AIA, you can customise how and when you want to pay your premiums! We offer flexible premium payment frequencies like monthly/quarterly/half-yearly/annual and payment terms like single/limited/regular when you buy our TROP plans.

      This ensures that you can chalk out your financial plans and pay your policy premiums right on time without disrupting your other financial commitments.

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

      Flexible Payout Options

      With Tata AIA's Sampoorna Raksha Supreme policy, you can choose the Life Plus or Life Income option, where you can choose to receive your pay out in the form of a lump sum, monthly income or a combination of both options. This ensures your family gets enough monetary assistance to deal with any immediate financial obligations.

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

      Paid-up Option for Non-Earning Investors

      Our term plans with return of premiums come with a feature where your TROP plan automatically converts into a paid-up policy. This can be beneficial in case you must default on your premium payment due to external circumstances or financial issues. Simply put, your TROP policy will turn into a paid-up policy by default to prevent it from lapsing.

    • Top-Up Sum Assured - Highlights of Tata AIA Life Insurance Sampoorna Raksha Supreme
      Add-On Riders**

      We offer several optional riders** under our TROP plans. You can enhance your base term plan with return of premium to help you cover emergencies, like emergency medical expenses, without affecting your family's financial stability.
       

      Remember that add-ons will increase your overall policy premiums. Hence, we advise you only to choose the riders** you need. To get accurate TROP policy quotes, use our term plan with return of premium calculator given below!

    Term Plan with Return of Premium Calculator

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    Frequently Asked Questions

    General Premiums Coverage Claim Others

    What is the importance of term plans with return of premiums?

    Term plans with return of premiums provide assured life cover protection to your family and maturity benefits. In the event of your demise, the sum assured under the term plan will offer financial support to your loved ones and if you survive, you will get a refund of all your policy premiums.

    What is the catch with the term plans with a return of premium?

    Although they offer dual benefits, these are online paid in case of the policyholder's death or on their survival on maturity. You cannot claim any payment amount during the policy term. Moreover, you will only be offered one of the payments for either scenario, not both – a death benefit on death and a premium refund on survival.  


    We highly recommend going through the policy brochure, policy wordings and talking to your insurance agent before making any purchases. 

    Is term insurance with a return of premium worth buying?

    If you can afford the higher premiums, term plans with a return of premiums are worth buying. Along with offering your family pure risk coverage, you are also refunded your premiums on survival so they are not lost on policy expiry. 

    You can always compare different policies and plan options before choosing the one as per your needs.

    What are the eligibility criteria for a term plan with return of premium?

    The eligibility criteria to buy a term plan with return of premium can vary according to the plan you select. However, the minimum eligible age for getting a term plan with return of premium is 18 years, while the maximum age for the same is dependent on the policy terms and conditions.

    Which is the best term plan with return of premium?

    The best term plan with return of premium would be the one that suits your insurance needs and provides adequate coverage to your family in case of an unforeseen misfortune. To select the best term insurance with return of premium, it is important to compare and contrast different plans with each other to ensure you are getting a good deal.

    What factors affect premium rates for my term plan with return of premium?

    The factors that affect your TROP premiums rate will be the same as they are for a pure term policy. These are: 

    • You age.

    • Your medical history 

    • Your lifestyle (E.g., smoking, drinking, adventure sports).

    • Your chosen policy tenure, sum assured and optional riders**, if any.

    How does smoking or drinking alcohol affect TROP plan premiums?

    Like any other life insurance policy, your lifestyle habits like smoking will affect your term plan premiums, be it a pure term plan or a term plan with return on premium term insurance. This is because smokers incur a higher risk in their lives as compared to non-smokers.

    What is the grace period for Tata AIA's term plan with return of premium?

    Tata AIA's term plan with return of premium has a grace period of 30 days for annual, half-yearly and quarterly frequencies from the due date of the last paid premium, while the grace period for monthly frequency is 15 days from the due date of the last paid premium.

    What is the premium payment frequency under a TROP?

    With a Tata AIA term plan with return of premium, you can choose from the monthly, quarterly, half-yearly, annual and single premium payment frequencies.

    What happens if one is unable to pay the premiums for their Tata AIA TROP policy?

    If you are unable to pay the premium on your TROP until the end of the grace period, then your policy can be converted into a paid-up policy. Only once you pay all the unpaid premiums and revive your policy can the plan become valid again.

    Can I determine my TROP policy cost before my purchase?

    Yes, you can calculate your term insurance premiums online with a term insurance calculator before you compare and buy a policy that is not only affordable for you but also meets your needs.

    Will a return of premium term insurance be more expensive?

    Yes, since they offer a dual benefit, the premiums for TROP plans will be higher than pure term plan premiums. 

    What discounts can I get on my Tata AIA term plan with return of premium?

    This will depend on the term policy you choose. Some general discounts and value-added services we offer are preferential rates for women and non-smokers, free annual health check-ups and medical teleconsultation services. 

    Can I opt for riders under a term plan with return of premium?

    Yes, you can add riders** with your term plan with return of premium to increase your policy coverage depending on the rider options available under the policy.

    How long should I keep my term plan with a return of premium?

    You can choose your TROP policy tenure to be as long as you need. While most term plans offer coverage for 5 - 40 years, Tata AIA offers a whole life cover of up to 100 years. 

    What type of coverage is offered under a term plan with return of premium?

    Like a regular term plan, you are offered pure risk coverage during the policy's term. The only difference here is that you also get survival benefits. All other general exclusions and inclusions for term plans will apply to term plans with return of premiums. E.g., suicide exclusion during the first policy year.  

    With Tata AIA's term plan with return of premium, you get term coverage and a 105% return of the total premiums* paid towards the policy on maturity. 

    Should I buy a regular term insurance plan or a term plan with return of premium?

    Choosing between a term plan and a term plan with a return of premium will depend on your needs. A pure term plan is for those who only want extensive life cover protection from their policy with a death benefit.
     

    However, if you want maturity benefits from your term plan, where the premiums paid on your life insurance will be returned to you on maturity, then a term plan with the premium return is a good choice.

    What claims can I file under my term plan with return of premium? 

    You and your family can file two types of claims under a TROP policy: a death settlement claim and a maturity benefit claim. The death claim should be filed within 30 days of the policyholder's death and the maturity claim can only be filed once the policy ends. 

    What is the death benefit under return of premium term insurance plan?

    Under a return of premium term insurance plan, the death benefit is the total sum assured of the policy that will be paid out to the nominee/nominees if the policyholder passes away during the policy term.

    Can you get your money back from a term insurance plan on maturity?

    If you buy a term insurance plan with a return of premium, you can receive a total of all the premiums paid at the end of the policy term if you survive the policy term. The same is not possible with a pure term plan that only offers a life cover with death benefits and no maturity benefits.

    How do I file a claim under my Tata AIA for my term plan with return of premium?

    You can file a claim with us through any of the following channels:

    • Call our helpline number - 1860-266-9966 (local charges apply)

    • Email us at: customercare@tataaia.com

    • Visit us at any of our Tata AIA Life Insurance Company branch offices

    • Write to us at:

    The Claims Department,

    Tata AIA Life Insurance Company Limited

    B- Wing, 9th Floor,

    I-Think Techno Campus,

    Behind TCS, Pokhran Road No.2,

    Close to Eastern Express Highway,

    Thane (West) 400 607.

    IRDA Regn. No. 110

    What documents do I need when filing a claim under my term plans with return of premium?

    You will need three main documents when filing a term insurance claim: The claims form (filled and signed), the policy certificate and the policyholder's death certificate (for death claims). If you want to know the complete list of documents needed, please visit our claims settlement page.  

    What is the claim procedure of the nominee is outside of India?

    If the nominee wants to file a claim from outside of India, they can upload copies of their documents online or send them to us by email. For the offline procedure, the nominee will have to mail the documents to their representative in India who can then visit any of our office branches to file the claim.

    Can the claim be filed at the same branch from where the policy was purchased?

    Yes, you can file the claim on your term insurance with return of premium at the same branch where the policy was purchased or you can visit any of the Tata AIA Life Insurance office branches to file a claim.

    Can I safely buy a term plan with a return of premium online?

    Yes, it is safe to purchase a term plan with a return of premium* online. You should buy it from your insurance provider's official website. This not only allows you to compare different policies but also safeguards your personal information. At Tata AIA Life Insurance, we ensure that your personal and financial information is never compromised.

    Which life insurance companies offer term insurance plans with a return of premium?

    Tata AIA Life Insurance offers term insurance plans with a return of premium, where you can choose the policy term, the premium paying term, the sum assured, and riders of your choice. Before you purchase your policy, you can compare different plans to find one that matches your needs.

    Can I change my Tata AIA policy payment terms? 

    Yes, with Tata AIA, you can choose your premium payment options between monthly/quarterly/half-yearly/annual payments. Your payment frequency can also be changed in the future by logging into your Online Policy A/C' to make the required changes.

    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
    • ~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 40 yrs. (Regular Pay) under Life Plus 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
    • +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.
    • `Applicable for specific plan options. Please refer brochure for additional details.
    • $Applicable for specific plan options. Please refer brochure for additional details.
    • ~~On enrolling into the Wellness Program, you get an upfront discount of 5% on 1st year premium for Accidental Death, Accidental Total & Permanent Disability, Accidental Disability Care Benefits and of 10% on 1st year premium for Term Booster, CritiCare Plus, Accelerated CritiCare, Multistage CritiCare, Cancer Care, Cardiac Care. The rewards are offered on cumulative basis and in any year, the maximum rewards in view of both the Up-front Rewards and Annual Rewards Flex together or Cover Booster (applicable post premium payment Term) shall be 15% for Accidental Death, Accidental Total & Permanent Disability, 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.
    • **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.
    • InstaProtect Solution comprises Tata AIA Life Insurance Sampoorna Raksha Supreme (Non-Linked, Non-Participating, Individual Life Insurance Plan) (UIN: 110N160V04) - Life Option (in case Return of Premium is No) or Life Plus Option (in case of Return of Premium is Yes), Tata AIA Vitality Protect (UIN: 110B046V02) - A Non-linked, Non-participating, Individual Health Rider; Tata AIA Vitality Health (UIN: 110B045V02) - A Non-linked, Non-participating, Individual Health Rider.
    • CritiCare Plus (CPB), Accidental Death (AD), Accidental Total & Permanent Disability (ATPD) are benefit options available under Tata AIA Vitality Protect (A Non-linked, Non-participating, Individual Health Rider).  Hospi Care (HCB) is a benefit option available under Tata AIA Vitality Health (A Non-linked, Non-participating, Individual Health Rider)
    • The assessment under the wellness program (Tata AIA Vitality) shall not be considered as a medical advice or a substitute to a consultation/treatment by a professional medical practitioner.
    • 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.
    • ***Express Issuance for standard lives. The solution will be underwritten by Tata AIA Life Insurance Company Limited. Additional Requirements may be called at underwriters’ discretion.
    • ##Please refer brochure/s of above product and rider/s for additional details and Annexure for Definitions and Exclusions under these benefits
    • ^^^At the time of purchase, if the policyholder chooses to opt for a Return of Balance Premium option -For Sampoorna Raksha Supreme (Life Plus Option), an amount equal to the 105% of the Total Premiums Paid towards the product (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. For Tata AIA Vitality Protect and Tata AIA Vitality Health, an amount equal to the Total Premiums Paid towards the respective benefit option (excluding loading for modal premiums), less any claim amount already paid out under the respective benefit option, shall be payable at the end of the benefit option term, provided the benefit option is not terminated.
    • 172,34,092 families protected till 31st March 2023.
    • 2Individual Death Claim Settlement Ratio is 99.01% for FY 2022 - 23 as per the latest annual audited figures.
    • 3Applicable 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.
    • 4Income 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.
    • 5Guaranteed/Guarantee: Guaranteed Returns/Payouts depend on Plan Option, Policy Term, Premium Payment Term and Age at entry
    • Insurance cover is available under the product.
    • The products are underwritten by Tata AIA Life Insurance Company Ltd.
    • The plans are 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.
    • L&C/Advt/2024/Jan/0156