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Life can be unpredictable. You might be doing everything right to secure your family’s future, and then suddenly, things take a turn. Life insurance acts as a financial shield in these unexpected moments, protecting your loved ones from financial hardship in your absence.
Tata AIA Life Insurance recognizes the vital importance of comprehensive coverage. To secure the financial future of your loved ones, we have introduced the Tata AIA Sampoorna Raksha Promise. 'Sampoorna Raksha' means 'complete protection,' and this plan reflects our unwavering commitment to that promise, ensuring your family's future is fully safeguarded.
Get whole life cover up to 100 years of age5 for long-term peace of mind.
Receive a 100% return of premium with the Life Promise Plus4 plan option and save more.
Get a 10% digital discount7 plus an additional 8.5% salaried discount8 for salaried individuals on your first-year premium! Start saving now!
Get additional 2% discount9 (up to Rs. 500) on first year premium for first jobbers, newly-weds, first-time parents and recent homeowners.
Get instant payout of ₹3 lakh on claim intimation10 offering temporary financial relief.
Extend protection to your spouse with the joint life option.
Choose to receive the death benefit as a lump sum or in instalments for ongoing support.
Upon diagnosis of a terminal illness, the life insured will receive 50% of the base sum assured to manage the immediate expenses.
This plan waives future premiums if the life insured is diagnosed with a terminal illness, easing your financial burden.
The FlexiPay Benefit6 allows you to defer premium payments for up to 12 months, offering temporary financial relief.
Get a 15% discount on premiums if you are a female policyholder.
Enhance your plan with comprehensive riders15 offering unique health and wellness benefits for additional security.
Secure your child's future with the Family Plan option, allowing you to transfer the legacy sum assured to them.
When you buy a term insurance plan, you can avail tax11 benefits as per the applicable Income tax laws and save up to Rs. 46,80012 annually.
On 1st year premium payment. No max. capping15
Mr. Nakul, 30-year-old, non-smoker healthy Male, salaried professional, opting for Tata AIA Life Insurance Sampoorna Raksha Promise, Life Promise Option.
AGE
30
1st Year
Life cover of ₹1 Crore from day 1
AGE
50
20th Year
Nominee will get ₹3 Lakh instantly (within 24 hrs) on Instant Claim Payout’ benefit10
The remaining ₹97 Lakh is paid out at the time of claim settlement.
AGE
60
30th Year
No benefit will be paid and life cover ends.
Mr. Rahul, 35-year-old, non-smoker healthy Male, Self-employed, opting for Tata AIA Life Insurance Sampoorna Raksha Promise, Life Promise Option. Mr. Rahul opts for a Life Cover of 1 Cr.He also opts for an Accidental Total and Permanent Disability (ATPD) of Rs. 1 Cr and a CritiCare Plus (CCP) of Rs 10 Lakh riders4.
AGE
30
1st Year
Life cover of ₹1 Cr + ₹1 Cr Accidental Total & Permanent Disability + ₹10 Lakhs Critical Illness benefit
AGE
48
18th Year
Rahul gets lump sum ₹1 Crore & ATPD rider terminates
AGE
55
25th Year
Rahul gets lump sum ₹1 Crore & Accidental Total and Permanent Disability rider terminates
AGE
60
30th Year
Nominee will get ₹3 Lakh instantly (within 24 hrs), ‘Instant Claim Payout’ benefit10
The remaining ₹97 Lakh is paid out at the time of claim settlement
AGE
70
40th Year
No benefit will be paid and life cover ends
Mrs. Kavita, 30-year-old, non-smoker healthy female, self-employed, Mrs. Kavita 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. Purchased digitally.
AGE
30
1st Year
Life cover of ₹ 1 Crore from day 1
AGE
50
20th Year
Nominee will get ₹3 Lakh instantly (within 24 hrs), ‘Instant Claim Payout’ benefit1
The remaining ₹97 Lakh is paid out at the time of claim settlement
AGE
60
30th Year
Mrs. Kavita will receive Maturity Benefit of Rs. 6,48,840 & life cover ends.
Your claims are settled within 4 hours13
99.13% Individual Death Claim Settlement Ratio14 in FY 2023 – 24
Families protected so far5
Presence across major cities in India
13T&C apply
Option 1: Life Promise
The Life Promise Option offers customizable and comprehensive protection for your family's financial security. With enhanced coverage options, this plan provides continuous support.
1. Tailored Coverage: You can choose the base sum assured (SA) at the time of purchase, subject to underwriting eligibility.
2. Death Benefit Assurance: If the policyholder dies during the policy term, then the nominee will receive the stipulated death benefit. This amount is the sum assured at the time of death minus any accelerated benefit payout. The policy is terminated after the death benefit is paid.
3. Payor Accelerator Benefit: This benefit provides financial relief upon a terminal illness (TI) diagnosis. All your future premiums are waived, and you will receive 50% of the base sum assured as a lump sum to manage immediate expenses.
4. Maturity Benefit: If the policyholder survives till maturity, no additional benefit is payable, and the policy terminates.
Option 2: Life Promise Plus
Shield your family beyond the ordinary with Life Promise Plus Option that go beyond life insurance. Receive a guaranteed maturity payout, ensuring your investment is preserved and your coverage remains intact!
1. Customized Protection Plan: When you purchase your policy, you can choose the amount of coverage (Base Sum Assured) that best suits your family's needs.
2. Comprehensive Death Benefit: If the policyholder dies during the policy term, then the nominee will receive a payout known as the death benefit. This amount is calculated based on the effective sum assured, which considers your initial Base Sum Assured and any additional coverage options you have selected minus any payor accelerated benefit payout. Once the death benefit is paid, the policy will terminate.
3. Flexible Coverage Enhancements: Increase your coverage with the life stage or top-up sum assured options. These enhancements are included in the effective sum assured for death benefit calculations.
4. Financial Support During Illness: When you face a terminal illness, you are eligible to receive a lump sum payment that equates to 50% of the base sum assured upon confirmation of a terminal illness.
5. Future Premium Waiver: If a terminal illness claim is accepted, all future premiums are waived, allowing the policy to remain in force for the remaining benefits without financial strain.
6. Return on Premium: Upon surviving the policy term, you will be provided with 100% of the total premiums paid (excluding loading for modal premiums and discounts) for the benefit option and any opted Cover Enhancement Options, ensuring your investment is returned and your coverage continues.
Our experts are happy to help you!
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.
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.
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 tax11 benefits under Section 80C of the Income Tax Act, and the death benefit is usually tax-free under Section 10(10D).
What is the FlexiPay Benefit offered by Tata AIA Sampoorna Raksha Promise?
With the FlexiPay Benefit6 you can defer your premium payments for up to 12 months, offering temporary financial relief in case of unexpected situations.
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:110N176V05)
1This 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.
2As per the duly approved product design and terms & conditions of the product, Tata AIA Sampoorna Raksha Promise offers 5% discount on first year premium for Limited Pay/Regular Pay.
3With this feature, instant death benefit of INR 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.
4Under 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.
5Not applicable under PoS, please refer sales brochure for more information
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).
7Tata AIA Sampoorna Raksha Promise offers first year digital discount of 1% for Single Pay, 10% for Limited Pay/Regular Pay.
8This product offers first year discount of 8.5% for Limited Pay/Regular Pay and 1% for Single Pay to salaried customers.
9This 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 Rs. 500 over the year
10With this feature, instant death benefit of INR 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.
11Income 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
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.
13Applicable 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.
14Individual Death Claim Settlement Ratio is 99.13% for FY 2023-24 as per the latest annual audited figures.
1585,76,889 families protected till 31st December 2024.
16Rider 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.
*Illustrated premium of ₹608 is the monthly premium excluding taxes 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 and ₹476 is for the same modal point with first year premium discount of 10% for digital purchase and 8.5% for salaried person. 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.
**All Premiums, Charges, and interest payable under the policy are exclusive of applicable taxes,duties, surcharge, cesses or levies which will be entirely borne/ paid by the Policyholder, in addition to the payment of such Premium, charges or interest. Tata AIA Life shall have the right to claim, deduct, adjust and recover the amount of any applicable tax or imposition, levied by any statutory or administrative body, from the benefits payable under the Policy
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.
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.
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)
FOR EXISTING POLICY 
FOR NEW POLICY 
