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Param Raksha Life Pro

Tata AIA Param Raksha Life Pro offers comprehensive life insurance coverage combined with marker linked returns⁴ for wealth creation, ensuring your family's financial security and long-term growth. With flexible premium payment options this plan provides peace of mind for life's uncertainties.

Top features of Param Raksha Life Pro

Life Insurance Cover

Get life insurance coverage for up to 100 years with lump sum benefit on policy maturity¹.
Top Rated Funds

Our funds have been rated 4 or 5 stars⁴ by Morningstar⁵, reflecting consistent performance and trusted investment quality.
Return of Fund Value

Receive the fund value of your investment on the maturity of the policy to boost your savings.
Comprehensive Cover

Get life cover, disability cover and savings solution so that you and your family can receive comprehensive coverage.
Accidental Death

Safeguard your family with additional Sum Assured in case of Accidental Death and 2X² Additional Sum Assured in case of unfortunate accidental death in public transport or other specified circumstances.
Accidental Total and Permanent Disability

In case of a total and permanent disability due to an accident, your family will receive a lump sum under the Accidental Total and Permanent Disability Benefit. 2X² benefit if the accident occurs on public transport or other specified situations.
Tax Benefits

Get Income tax⁷ benefits as per applicable tax laws.
Flexible Premiums Payments

Make easy annualised premium payments for your base policy as per your premium payment mode and term to avail life cover.

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Investment amount (₹)

Growth rate (%)

Invest for (Years)

Stay invested for (Years)

You Get

₹76.6 Lakh

You Pay

₹12 Lakh

Plan now

You Pay

You Get

Plan now

Tata AIA funds have consistently outperformed benchmarks.

Updated as on

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Are you an NRI?

Yes

Are you an NRI?

Yes

Name

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Boundary conditions

Min/max age at entry (Years)

18/65

Max. age at maturity

Life Cover: 100 years

Accidental Death Benefit: 85 years

Accidental Total & Permanent Disability: 85 years

Policy term

Min: 30, Max: subject to max. age at maturity

Premium payment term

5 to up to 85 years of age for limited pay and Regular pay

Minimum Premium

Smart Sampoorna Raksha Supreme Premium:

Limited Pay 5-6 years: ₹ 20,000 p.a.

Limited Pay 7-9 years: ₹ 18,000 p.a.

Other Premium Payment Terms: ₹ 15,000 p.a.

Premium Mode

Annual, Half yearly, Quarterly and Monthly

Sum Assured

Minimum

Maximum

Life cover – 50 Lakh

Accidental Death Benefit – 45 Lakh

Accidental Total & Permanent Disability – 45 Lakh

Life cover- No Limit

Accidental Death Benefit – 5 Crore

Accidental Total & Permanent Disability – 5 Crore

See All See Less

All references to age are as on last birthday.

How Does This Plan Work?

Step 1 - Choose Sum Assured and Premium Payment Option

Select the sum assured and premium payment option as per your financial goals

Step 2 - Select Policy Term and Premium Payment Mode

Policy Term	Min: 30, Max: subject to max. age at maturity
Premium Payment Mode	Annual, Half-yearly, Quarterly, Monthly

Step 3 - Payment Options

Purchase the plan quickly and easily online after customizing it as per your needs and make the payment through any of the given digital channels, as per the premium displayed on the screen.

Downloads

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Disclaimer
- The linked insurance product does not offer any liquidity during the first five years of the contract. The policy holder will not be able to surrender/withdraw the monies invested in linked insurance products completely or partially till the end of the fifth year.
- Param Raksha Life Pro is designed for combination of benefits of following individual and separate products named (1) Tata AIA Smart Sampoorna Raksha Supreme Unit Linked, Non-Participating Individual Life Insurance Plan (UIN: 110L179V02) and (2) Tata AIA Health Buddy, Non-participating, Non-Linked, Individual Health Product (UIN:110N183V01). Both products are available for sale individually.
- These products are also available for sale individually without the combination offered/ suggested. This benefit illustration is the arithmetic combination and chronological listing of combined benefits of individual products. The customer is advised to refer the detailed sales brochure of respective individual products mentioned herein before concluding sale.
- ¹On survival to the end of the policy term, the Total Fund Value including Top-Up Premium Fund Value valued at applicable NAV on the date of Maturity will be paid. Applicable for select policies only.
- ²Refer Tata AIA Health Buddy brochure for details.
- ³5-year computed NAV for Multi Cap Fund as of June 2025. Other funds are also available. Benchmark of this fund is S&P BSE 200.
- ⁴The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. On survival to the end of the policy term, the Total Fund Value including Top-Up Premium Fund Value valued at applicable NAV on the date of Maturity will be paid.
- ⁵All funds open for new business which have completed 5 years since inception are rated 4 star or 5 star by Morningstar as of December 2024.
- ⁶©2024 Morningstar. All rights reserved. The Morningstar name is a registered trademark of Morningstar, Inc. in India and other jurisdictions. The information contained here: (1) includes the proprietary information of Morningstar, Inc. and its affiliates, including, without limitation, Morningstar India Private Limited (“Morningstar”); (2) may not be copied, redistributed or used, by any means, in whole or in part, without the prior, written consent of Morningstar; (3) is not warranted to be complete, accurate or timely; and (4) may be drawn from data published on various dates and procured from various sources and (5) shall not be construed as an offer to buy or sell any security or other investment vehicle. Neither Morningstar, Inc. nor any of its affiliates (including, without limitation, Morningstar) nor any of their officers, directors, employees, associates or agents shall be responsible or liable for any trading decisions, damages or other losses resulting directly or indirectly from the information.
- ⁷Income 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 for tax implications mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefits available to you. Buying a life Insurance policy is a long-term commitment. Early termination of the policy/benefit option under Tata AIA Health Buddy usually involves high costs, and the surrender value payable may be less than all the premiums paid.
- Health Buddy is inbuilt in this solution and are attached at inception if you have purchased this solution. For more details on benefits, premiums and exclusions under Tata AIA Health Buddy please contact Tata AIA Life's Insurance Advisor/Intermediary/ branch. Life insurance cover is available under the solution. For details on products, associated 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.
- All Premiums are 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.
- The solutions are not guaranteed issuance solutions and it will be subject to Company’s underwriting and acceptance. 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 all the premiums paid. Unit Linked Life Insurance products are different from traditional insurance products and are subject to risk factors.
- The fund is managed by Tata AIA Life Insurance Company Ltd. (hereinafter the “Company”). Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA Life Insurance Smart Sampoorna Raksha Supreme is only the name of the Unit Linked Life Insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns.
- Premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions.
- Returns are calculated on an absolute basis for a period of less than (or equal to) a year, with reinvestment of dividends (if any). Life insurance cover is available under the solution.
- For details on products, associated risk factors, terms and conditions please read Sales Brochure of respective product carefully before concluding a sale. The precise terms and condition of this plan are specified in the Policy Contract.
- The solutions are underwritten by Tata AIA Life Insurance Company Limited.
- Insurance cover is available under this product. This product is underwritten by Tata AIA Life Insurance Company Limited. The plan is not a guaranteed issuance plan, and it will be subject to Company’s underwriting and acceptance. This product will be offered to Standard lives only.
- For more details on risk factors, terms and conditions of respective individual product, please read Sales Brochure carefully before concluding a sale. The precise terms and conditions of this plan are specified in the Policy Contract.
- Past performance is not indicative of future performance. Returns are calculated on an absolute basis for a period of less than (or equal to) a year, with reinvestment of dividends (if any).
- Investments are subject to market risks. The Company does not guarantee any assured returns. The investment income and price may go down as well as up depending on several factors influencing the market.
- Please make your own independent decision after consulting your financial or other professional advisor.
- Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. Please know the associated risks and the applicable charges, from your Insurance Agent or Intermediary or Policy Document issued by the Insurance Company.
- Various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. The underlying Fund's NAV will be affected by interest rates and the performance of the underlying stocks.
- The performance of the managed portfolios and funds is not guaranteed, and the value may increase or decrease in accordance with the future experience of the managed portfolios and funds.
- Please know the associated risks and the applicable charges, from your insurance agent or the Intermediary or policy document issued by the Insurance Company.
- All investments made by the Company are subject to market risks. The Company does not guarantee any assured returns. The investment income and price may go down as well as up depending on several factors influencing the market. Please know the associated risks and the applicable charges, from your Insurance Agent or the Intermediary or Policy Document issued by the Insurance Company. Please make your own independent decision after consulting your financial or other professional advisor.
- L&C/Advt/2025/Sep/xxxx

Param Raksha Life Pro

Top features of Param Raksha Life Pro

Life Insurance Cover

Top Rated Funds

Return of Fund Value

Comprehensive Cover

Accidental Death

Accidental Total and Permanent Disability

Tax Benefits

Flexible Premiums Payments

Unlock the power of compounding! Watch your investment grow

Compound Interest Calculator

Tata AIA funds have consistently outperformed benchmarks.

Need advice on a new plan?

Need advice on a new plan?

Check Eligibility

How Does This Plan Work?

Downloads

Unlock the power of compounding!
Watch your investment grow