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Term insurance in your 30s refers to a life cover for 30 years, which protects dependents against financial uncertainty. The 30s often bring steady ... Read more income, family responsibilities, and long-term commitments. Choosing suitable protection early supports household stability, loan continuity, and future planning. Term insurance in the 30s usually aligns with growing needs, while premiums remain manageable. For many households, a term plan at 30s is a practical step towards organised financial planning. Read less
Rated by 1,28,237 customers
Data as of 6th July 2026, 4.6/5 from 1.25 lakh+ ratings across Android and iOS Tata AIA app.
Get Life Cover of ₹1 Crore by paying a premium of
Total premium: ₹14.09 Lakh
Save ₹1,202 with discounts
10% discount on 1st year premium is applicable on online purchase. This discount is auto-applied and can’t be removed
8.5% discount on 1st year premium is applicable for salaried personnel. You will need to share your corporate email ID if you opt for this discount. This discount is auto-applied if you select ‘Salaried’ as your occupation and can’t be removed
Applicable only if the policy is bought digitally. Some discounts will not be available when this option is selected.
1% discount on 1st year premium for all payments paid through any permissible electronic mode debited through an auto-debit mandate. Maximum discount capping: ₹100 over the year.
2% discount on 1st year premium on these milestones
*Policy issuance eligibility for female customers will be determined by Board Approved Underwriting Policy (BAUP)
The above milestones cannot be clubbed to avail more discount, Such discount shall be capped to a maximum of ₹500 over the year.
Save up to 5% when you and a family member purchase policy together. Some discounts will not be available when this option is selected.
A certified Tata AIA expert will call you from a 1600‑series number to customize your plan.
Select details for the 2nd Policy
Select your relationship with the person you're buying this policy with.
Tata AIA Sampoorna Raksha Promise - Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN: 110N176V12 )
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Term insurance in your 30s supports dependents through long policy tenures, covering liabilities and planned goals. Health risks are generally lower at this stage, allowing coverage selection with fewer limitations. Term insurance at 30s may also provide tax 5 benefits under prevailing income tax provisions, subject to applicable rules and limits. Additionally, in case the policyholder dies during the policy term, the nominee will get the sum assured.
A term plan at 30s offers various benefits, some of which are as follows:
Choose a Tata AIA term insurance plan that suits your needs
Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN: 110N176V11)
Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN: 110N171V14)
When buying a term insurance in your 30s, consider the following:
Here is how you can choose the right term insurance in your 30s.
Buying term insurance is about protecting the people who rely on you while you are alive and building your life. Your 30s are often the decade where responsibilities increase, and financial goals become non-negotiable. A well-chosen policy can help your family manage expenses, repay debts, and continue future plans with stability. With clear planning, term insurance in your 30s becomes a practical step towards financial stability.
Yes, getting term insurance in your 30s allows longer coverage duration, manageable premiums, and sustained financial protection for dependents.
The premium should reflect income levels, existing liabilities, and coverage duration, commonly aligned to ten to fifteen times the annual income.
Yes, riders 6 such as critical illness or disability waivers may be selected, subject to eligibility conditions and individual requirement assessments.
Yes, premiums paid towards eligible term insurance policies qualify for tax 5 deductions under Section 80C, subject to prevailing tax provisions.
A term plan should cover you until liabilities are repaid and financial dependency reduces. Many individuals choose 20–30 years.
Tata AIA Sampoorna Raksha Promise - Non-Linked, Non-Participating, pure risk, Individual Life Insurance Product (UIN:110N176V11)
Tata AIA Maha Raksha Supreme Select - Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN: 110N171V14)
1 As per the duly approved product design and terms & conditions of the product, illustrated premium of ₹686 is the monthly premium for a 30 yr. old female, Standard Life, Non-Smoker for ₹1 Cr. Sum Assured with Policy Term of 30 yrs. (Regular Pay) under Life Promise Option of Tata AIA Sampoorna Raksha Promise with first year premium discount of 10% for digital purchase and 8.5% for salaried person. Please refer Benefit Illustration for more details.
2 As per the duly approved product design and terms & conditions of the product, this includes first year digital discount of 10% for Limited Pay/Regular Pay and 8.5% salaried discount. For Single Pay, 1% discount will be available for online purchase and salaried discount each.
3 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.
4 Applicable to only non-early claims with more than 3 years of policy duration, non-investigation cases, up to Sum Assured of ₹50 Lakh. 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.
5 Income 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 on tax implication mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefits available to you.
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.
6 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.
7 As per the duly approved product design and terms & conditions of the product, Illustrated Premium of ₹1043 is the monthly premium for 30 yr. old female, Standard Life, Non-Smoker for 2 Cr. Sum Assured with Policy Term of 30 yrs. (Regular Pay) with Life Secure plan option of Tata AIA Maha Raksha Supreme Select with first year premium discount for digital purchase and salaried person.
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
L&C/Advt/2026/Feb/0922