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Life is milestone-packed: building a career, marrying, raising a family, buying a house, and planning for retirement. Each phase of life brings along its set of responsibilities and financial liabilities.

Our Term Insurance Plans are designed for extended coverage, including three decades. The said time span encompasses some of the most productive years for any working person, giving one's family ample scope for economic and financial securities.

What is a 30-Year Term Insurance Policy?

The 30-year term insurance policy refers to an insurance policy taken against life risk and operates as cover for your family for a continuous tenure of 30 years. If anything unfortunate were to happen to you in this tenure, your nominee would get a lump-sum amount that can be used for sustaining lifestyle needs, paying off debts, or securing critical financial goals.

Our Best Selling Term Insurance Plans

Tata AIA

Sampoorna Raksha Promise

Key benefits:

Get ₹ 1 Cr Life Cover at ₹ 502/month*
Upto 15% discount on first year premium^
Get 100% premium back^~

Calculate Premium Know More

Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN:110N176V04)

Tata AIA

Maha Raksha Supreme Select

Key benefits:

Get ₹ 2 Cr Life Cover at ₹ 9813/month^##
Enhance protection with Education Secure for your children
Upto 15% discount on first year premium^

Calculate Premium Know More

Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN: 110N171V07).

Key Highlights

Extended protection: 30 continuous years.

Fixed premium rates: Lock in early, keeping coverage reasonably priced.

Simple structure: A pure life cover with no investment complexities.

Why Buy a 30-Year Term Insurance Plan?

Long-Term Security:Covers your family during your most productive years with peak financial responsibilities.
Safeguard Milestones: Secures goals like education, mortgage repayment, or retirement planning.
Cost-Effective Premiums: Early purchase ensures lower rates compared to repeated renewals.
Peace of Mind: Up to three decades of financial security for your family..

Key Features of TATA AIA Term Insurance Plans

High Sum Assured: .Opt for extensive coverage to meet long-term goals.

Flexible Payout Options: .Lump-sum or staggered payments tailored to your family's needs.

Multi-Payment Modes: Premium payments are monthly, quarterly, half-yearly, or annually.

Add-On Riders: Include critical illness cover, accidental death benefits, or premium waiver.

Tax Benefits: Avail deductions on premiums and tax-free benefits under current laws.

Benefits of a 30-Year Term Insurance Plan

Financial Security Across Life Stages

Coverage for key milestones without frequent renewals.

Stable Premiums

Lock in a single rate for the entire term.

Less Hassle

Avoid reapplying or undergoing repeated medical exams.

Future Planning

Support your family’s lifestyle and unforeseen expenses in your absence.

Why Choose TATA AIA for Term Insurance for 30 Years?

Trustworthy Legacy

Backed by the esteemed Tata Group, blending experience with customer focus.

High Claim Settlement Ratio of 99.83%

Consistent, timely claim resolutions for your family's future.

Customizable Plans

Flexible options to match your life stage and goals.

Transparent Process

Seamless, hassle-free experience with minimal paperwork.

Lock Your Family’s Future with TATA AIA Term Insurance for 30 Years

This smart, long-term investment ensures your loved ones are prepared for life's major milestones—even in your absence. By choosing TATA AIA, you secure more than just insurance; you promise a lifetime of dreams and aspirations for your family.

Ready to take the first step toward financial security? Contact TATA AIA today to explore term insurance plans for 30 years and safeguard your family’s future with confidence.

Tata AIA Sampoorna Raksha Promise - Non-Linked, Non-Participating, pure risk, Individual Life Insurance Product (UIN:110N176V04)
Tata AIA Maha Raksha Supreme Select - Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN: 110N171V07)
^*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 20 yrs. (Regular Pay) under Life Promise Option with first year premium discount for digital purchase and 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.
⁺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.
^{^}This product offers first year digital discount of 10% and first year Salaried discount of 5% for Limited Pay/Regular Pay. For Single Pay, 1% digital discount and 1% salaried discount will be provided in the first year
^#Illustrated Premium is the monthly premium excluding taxes for 20 yr. old female, Standard Life, Non-Smoker for 2 Cr. Sum Assured with Policy Term of 15 yrs. (Regular Pay) with Life Secure plan option. Please refer Benefit Illustration for more details. 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 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
²Individual Death Claim Settlement Ratio is 99.13% for FY 2023-24 as per the latest annual audited figures.5
This product is underwritten by Tata AIA Life Insurance Company Ltd.
The plan is not a guaranteed issuance plan, and it will be subject to company’s underwriting and acceptance.
Insurance cover is available under this product.
For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. The precise terms and condition of this plan are specified in the Policy Contract.
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 non-standard lives and on submission of non-standard age proof, extra premiums will be charged as per our underwriting guidelines.
In case of POS variant, the product is available with/without medical underwriting as per BAUP (Board Approved Underwriting Policy).
Premium will vary depending on the option chosen
L&C/Advt/2025/Mar/1097