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Data as of 6th July 2026, 4.7/5 from 1.25 lakh+ ratings across Android and iOS Tata AIA app.
Get ₹3 Cr. Life Cover at ₹1192/month**
Up to 15% discount on first year premium*
99.13% Individual Death Claim Settlement Ratio 2
Get 15% digital discount on first year premium
Life is unpredictable, but securing your family’s financial future doesn’t have to be. A ₹3 crore term insurance plan offers a substantial safety net, ensuring your loved ones can maintain their lifestyle, fulfil financial goals, and handle obligations in your absence.
Get ₹ 1 Cr Life Cover at ₹ 501/month*
Upto 18.5% discount on first year premium^
Get 100% premium back~
Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN:110N176V05)
Get ₹ 2 Cr Life Cover at ₹ 768/month ##
Enhance protection with Education Secure for your children
Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN: 110N171V08)
A ₹3 crore term insurance is a life insurance policy offering a sum assured of ₹3 crore. If the policyholder passes away during the policy tenure, the beneficiaries receive the payout, providing financial stability. Unlike investment plans, term insurance focuses solely on protection, making it an economical choice for high coverage.
A 3 crore term insurance plan operates as a robust financial protection tool designed to secure your family’s financial well-being. Here's how it functions:
This plan isn’t just a payout; it’s a strategic safety net to ensure your family’s financial independence and stability.
A 3 crore term insurance plan isn’t just an insurance policy; it’s a commitment to your family’s financial security and peace of mind.
Safeguards your family from financial uncertainties.
Add riders^ like critical illness or accidental death benefits.
High coverage with cost-effective premiums.
Avail deductions under Section 80C and exemptions under Section 10(10D).
Choose between a lump sum, monthly, or staggered payments.
A ₹3 crore term insurance plan from Tata AIA Life Insurance ensures financial security with unparalleled features and benefits:
Secure significant coverage at a competitive premium, especially when purchased at a younger age.
Enjoy fixed premiums for the entire duration of the policy, locking in affordable rates early.
Increase your coverage during significant life events, such as marriage or the birth of a child.
Opt for life cover up to 100 years of age, ensuring lifelong security.
Easily buy your term insurance online through the Tata AIA official website.
Avail of tax savings on premiums and benefits under Sections 80C and 10(10D) of the Income Tax Act.
Tata AIA Life Insurance offers an efficient claim process through its Express Claims service. With a claim settlement# ratio of 99.13% for FY 2023-24, your family can rely on a smooth and swift disbursal of the assured amount. Claims are processed within 4 hours after document submission, ensuring your loved ones face no financial delays during challenging times.
Age : Younger applicants enjoy lower premiums.
Lifestyle Habits : Smokers or individuals with high-risk occupations may have higher premiums.
Medical History : A history of health issues can impact premium rates.
Policy Tenure : Longer tenures may lead to slightly higher premiums.
Rider ^ Additions : Additional riders ^ increase premium costs but provide enhanced protection.
Applicants must meet the insurer’s age, income, and health requirements, usually ranging from 18 to 65 years.
Premiums depend on factors like age, health, tenure, and riders ^ . Use online calculators for precise estimates.
You can apply online or offline by submitting the required documents medical reports, and completing the premium payment.
It is a pure protection plan offering high coverage at low premiums, unlike endowment or investment-linked policies.
Yes, tax benefits & are available under Sections 80C and 10(10D) of the Income Tax * Act.