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• HomeLife Insurance PlansTerm Insurance Plans Tata AIA Sampoorna Raksha Promise

Plan At a Glance

Get instant payout of ₹3 Lakh on claim intimation 1

Inbuilt waiver of premium on diagnosis of terminal illness

Option to defer premiums for up to 12 months with the Flexi Pay Benefit 7

• Get 100% premium amount back 13
• Whole life cover up to 100 years of age 9
• 15% lower premium for women

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Tata AIA Sampoorna Raksha Promise

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.

Tata AIA Sampoorna Raksha Promise Plan Benefits

Whole Life Cover

Get Your Premium Amount Back

Digital + Salaried Discount

Get a 10% digital discount 8 plus an additional 5% salaried discount 11 for salaried individuals on your first-year premium! Start saving now!

Milestone Discount

Get additional 2% discount 12 (up to Rs. 500) on first year premium for first jobbers, newly-weds, first-time parents and recent homeowners.

Instant Claim

Joint Life Coverage

Flexible Payouts

Terminal Illness Cover

Upon diagnosis of a terminal illness, the life insured will receive 50% of the base sum assured to manage the immediate expenses.

Premium Waiver on Illness

This plan waives future premiums if the life insured is diagnosed with a terminal illness, easing your financial burden.

Flexi Pay Benefit

The FlexiPay Benefit 7 allows you to defer premium payments for up to 12 months, offering temporary financial relief.

Lower Premium Rate for Women

Rider Coverage

Enhance your plan with comprehensive riders 4 offering unique health and wellness benefits for additional security.

Family Legacy Planning

Secure your child's future with the Family Plan option, allowing you to transfer the legacy sum assured to them.

Save Tax Up to Rs 46,800

When you buy a term insurance plan, you can avail tax 3 benefits as per the applicable Income tax laws and save up to Rs. 46,800 10 annually.

Why Choose Tata AIA Life Insurance?

Faster Claim Settlement

The Tata AIA Assurance

77 Lakh+

500+ Branches

Plan Options in Tata AIA Sampoorna Raksha Promise

• Option 1: Life Promise
• Option 2: Life Promise Plus

You can choose the base sum assured (SA) at the time of purchase, subject to underwriting eligibility.

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.

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.

If the policyholder survives till maturity, no additional benefit is payable, and the policy terminates.

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!

When you purchase your policy, you can choose the amount of coverage (Base Sum Assured) that best suits your family's needs.

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.

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.

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.

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.

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.

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Frequently Asked Questions

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.

• 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 tax 3 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 Benefit 7 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:110N176V01)
• *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.
• 1 With this feature, instant death benefit of INR 3 Lacs 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.
• 2 Individual Death Claim Settlement Ratio is 99.13% for FY 2023 - 24 as per the latest annual audited figures.
• 3 Income 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.
• 4 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.
• Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider (UIN:110B033V03 or any other later version) - A Non-Linked, Non- Participating Individual Health Rider, Tata AIA Life Insurance Non-Linked Comprehensive Health Rider (UIN: 110B031V03 or any other later version) - A Non-Linked, Non- Participating Individual Health Rider, Tata AIA Vitality Protect (A Non-Linked, Non- Participating Individual Health rider (UIN:110B046V02), Tata AIA Vitality Health (A Non-Linked, Non- Participating Individual Health rider (UIN:110B045V02) are available under this plan
• 5 77,26,727 families protected till December ’23.
• 6 Applicable 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.
• 7 With 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).
• 8 Tata AIA Sampoorna Raksha Promise offers first year digital discount of 1% for Single Pay, 10% for Limited Pay/Regular Pay.
• 9 Not applicable under PoS, please refer sales brochure for more information
• 10 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 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.
• 11 This product offers first year discount of 5% for Limited Pay/Regular Pay and 1% for Single Pay to salaried customers.
• 12 This 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. Birth/adoption of first child - 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
• 13 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.
• 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)
• L&C/Advt/2024/Aug/2314