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In this policy, the investment risk in investment portfolio is borne by the policyholder
Rated by 31,372 customers
A smarter way to invest for life’s milestones
All funds rated 4 or 5 stars 3
High life cover + Market linked 11 growth
T&C apply. The linked insurance product do 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.
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4% and 8% are assumed rates of return. Tata AIA Multi Cap Fund 5-year Returns: 15.42% (Benchmark: 10.06%) as of Mar'26
by paying a premium of ₹21,749/month (for 5 years)
Total premium: ₹14.09 Lakh
Save ₹1,202 with discounts
Returns as of July, 2026
A certified Tata AIA expert will call you from a 1600‑series number to help customise your plan.
Param Raksha Life Pro +. This advertisement 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). 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.
Plan Your Investment
With Tata AIA PR Life Pro Plus grow your wealth steadily with our top-performing funds 3 . Get the benefits of disciplined investing, market-linked returns 11 , and long-term financial security. Start investing today for a fikar-free future!
This advertisement 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: 110N183V02). These products are also available for sale individually without the combination offered/ suggested.
Get lumpsum maturity benefit by investing in our benchmark beating funds
Lump sum benefit to your loved ones in the case of any unfortunate event
All funds rated 4 or 5 stars 3 by Morningstar 5
Free switching between funds to match your financial goals or adapt to market changes
Advance payout of 10% of sum assured on diagnosis of a terminal illness with term booster 6
Get back 100% of premiums of Tata AIA Health Buddy at the end of the policy term 9
Connect with top doctors with just a few clicks - anytime, anywhere
Medical Second Opinion with a range of services to ensure you’re never alone during your critical care journey
Preventive Health checkup 8 & discounted Vaccination
Get preventive health checkup (includes thyroid, diabetes profile, liver & kidney function tests). Order medicines from home and enjoy extra discounts
Comprehensive cover in case of disability due to accident. 2x benefit 9 in case of accident in public transport
Comprehensive cover in case of death due to accident. 2x benefit 9 in case of accident in public transport
Individual life insurance policies are exempted from GST 2
No long term capital gain tax 2
Avail tax benefits 10 on premium paid as per section 80C
ULIP stands for Unit Linked Insurance Plan, which is a type of insurance product that combines the benefits of life insurance and investment in a single plan. In ULIP, a portion of the premium paid by the policyholder is used for life insurance coverage, while the remaining amount is invested in various equity, debt or balanced funds as per the policyholder’s preference.
ULIPs are suitable for individuals who are looking for a long-term investment option with the added benefit of the insurance coverage. It is recommended that one should carefully evaluate the ULIP plan and its charges before investing in it.
ULIPs provide life insurance coverage along with investment benefits. In the event of the policyholder's untimely demise, the nominee receives the sum assured or the fund value, whichever is higher.
ULIPs offer the flexibility of choosing between different funds based on the policyholder's risk appetite and share market investment goals. The policyholder can switch between different funds as per their financial goals and market conditions.
ULIPs offer the potential for higher returns compared to traditional life insurance policies. As ULIPs invest in equity, debt or balanced funds, the returns are linked to market performance.
ULIPs offer tax benefits 10 under Section 80C of the Income Tax Act, which allows the policyholder to claim a deduction of up to Rs. 1.5 Lakh from their taxable income.
ULIPs can help in wealth creation over the long term by providing market-linked returns 11 .
ULIPs allow liquidity after a specified lock-in period, which helps in meeting short-term financial needs.
Returns as on Jun'26. Fund ratings as per Morningstar as of Nov’25.
Eligibility Criteria
30 to 82 years, subject to maximum age at maturity
Annual, Half-yearly, Quarterly and Monthly
Base (Life cover), including Terminal Illness with term booster: ₹50 Lakh
ADB and ATPD: ₹45 Lakh
ADB and ATPD: ₹5 Crore
Since Inception CAGR 1
India Consumption Fund
1 Data as on July, 2026. Past performance is not indicative of future performance. Fund Benchmark: Tata AIA Multi Cap Fund – S&P BSE 200; Tata AIA India Consumption Fund - S&P BSE 200; Tata AIA Top 200 Fund - S&P BSE 200 - S&FM. Multi Cap Fund – ULIF 060 15/07/14 MCF 110; Top 200 Fund – ULIF 027 12/01/09 ITT 110; India Consumption Fund - ULIF 061 15/07/14 ICF 110. @Inception Dates: Top 200 Fund: 12 Jan 2009, Multi Cap Fund: 05 Oct 2015, India Consumption Fund: 05 Oct 2015. Other funds are also available under this solution.
Families Protected 12
Presence across major cities in India
Flexibility to choose premium payment mode as per convenience
Assets Under Management (AUM) 13
1. What is a Unit Linked Insurance Plan? A Unit Linked Insurance Plan (ULIP) is a type of life insurance that provides benefits of both life insurance and wealth creation. Premiums paid are partly used to provide life cover, and the remaining portion is invested in a mix of equity, debt, or balanced funds based on the policyholder's preference. There is a monthly deduction for the life cover provided to you from your fund value.
2. What is Terminal Illness with Term Booster in Tata AIA? The Terminal Illness with Term Booster 6 is an additional feature that enhances the coverage of your policy. If the life insured is diagnosed with a terminal illness, they will receive 10% of the sum assured under the life insurance policy.
3. What does Param Raksha Life Pro + comprise of? Param Raksha Life Pro + comprises of comprehensive life insurance coverage with market-linked returns 11 boosted by the Wellness Program
4. What is the maturity benefit of Param Raksha Life Pro +? The maturity benefit offered under this policy is the total fund value of your investment at the time of maturity including loyalty additions and other refundable charges, along with the return of all the premiums paid towards the Tata AIA Health Buddy life insurance policy .
Linked Insurance Products do 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.
This advertisement 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: 110N183V02). 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.
Accidental Death, Accidental Disability, Terminal Illness with Term Booster are available with Tata AIA Health Buddy (UIN:110N183V02).
Health Buddy Activ is part of the wellness offerings of Tata AIA Health Buddy. It is the customer’s sole discretion to avail the services. All medical-related services will be directly provided by the Service Providers and not by Tata AIA Life Insurance. These services shall be subject to the availability of the Service Provider. Tata AIA Life Insurance shall not be liable for any liability arising due to customer opting to avail this feature from the Service Providers. For more details on the benefits covered, please refer to the website, contact our Insurance Advisor/Intermediary, or visit our nearest Branch Office.
1 Data as of July 2026. Past performance is not indicative of future performance. Fund Benchmark: Multi Cap Fund – S&P BSE 200; India Consumption Fund - S&P BSE 200; Top 200 Fund - S&P BSE 200. SFIN: Multi Cap Fund – ULIF 060 15/07/14 MCF 110; Top 200 Fund - ULIF 027 12/01/09 ITT 110; India Consumption Fund - ULIF 06115/07/14 ICF 110. Inception Dates: Top 200 Fund: 12 Jan 2009, Multi Cap Fund: 05 Oct 2015, India Consumption Fund: 05 Oct 2015. Other funds are also available under this solution.
2 No Goods and Service Tax shall be applicable on Individual life insurance products as per prevailing laws. Tax laws are subject to amendments from time to time. If any imposition (tax or otherwise) is levied by any statutory or administrative body under the Policy, Tata AIA Life Insurance Company Limited reserves the right to claim the same from the Policyholder. Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. For ULIP policies taken on or after 1st February 2021, any payout will be taxable if annual aggregate premium exceeds ₹2.5 Lakh in a financial year. Tata AIA Life Insurance Company Ltd. does not assume responsibility on tax implications mentioned anywhere on this site. Please consult your own tax consultant to know the tax benefits available to you.
3 All funds open for new business which have completed 5 years since inception are rated 4 star or 5 star by Morningstar as of November 2025.
4 Data from our TATA AIA fund factsheet shows the performance of TATA AIA Multi Cap fund & ULIF 060 15/07/14 MCF 110 as of June 2026. Benchmark of this fund is S&P BSE 200.
5 ©2025 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.
6 The Insured Amount under Terminal Illness with Term Booster option (in Tata AIA Health Buddy) is payable on earlier of death or diagnosis of Terminal illness of the Life Insured. Please refer Terms and Conditions for more details.
7 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.
8 Health check-up includes Thyroid Profile, HbA1C, BSL, Cholesterol, BMI, Vit B12, Vit D, CBC (For Woman -Additional Test for Anaemia, PCOS, PAP Smear)For more details on benefits, premiums, and exclusions under the Health Buddy , please contact Tata AIA Life's Insurance Advisor/Intermediary/ branch)
9 Refer to Tata AIA Health Buddy brochure for details.
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. 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 Market-linked returns are subject to market risks and terms & conditions of the product. The assumed rate of returns or illustrated amount may not be guaranteed and depends on market fluctuations.
12 98,01,699 families protected till 18th May 2026.
13 As on 31st March 2026, the company has a total Assets Under Management (AUM) of ₹1,45,589 Crore.
The 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
Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your insurer carrying on life insurance business. If your policy offers guaranteed benefits then these will be clearly marked “guaranteed’. If your policy offer variable benefits then it will show two different rates of assumed future investment returns. These assumed rates of return are not guaranteed and these are not the upper or lower limits of what you might get back, as the value of your policy is dependent on a number of factors including actual future investment performance.
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).
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 another professional advisor.
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. The solutions are underwritten by Tata AIA Life Insurance Company Limited.
The solution is underwritten by Tata AIA Life Insurance Company Limited. 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 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.
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. 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.
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.
L&C/Advt/2026/Aug/4743
Get Life Cover of ₹1 Crore by paying a premium of
₹7,085/month (for 30 years)
Tata AIA Sampoorna Raksha Promise - Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN:110N176V05)
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