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Term insurance provides financial protection to your family for a specified policy term. If the insured person passes away during this period, the nominee receives ... Read more the sum assured, subject to the policy terms and conditions. Since it focuses only on life cover and does not include a savings or investment component, term insurance is generally available at affordable premiums while offering a comparatively high level of financial protection for your loved ones. Read less
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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.
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Tata AIA Sampoorna Raksha Promise - Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN:110N176V12)
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The eligibility criteria for individual term insurance plans and their policy options will differ and are subject to revisions. Therefore, it is necessary to go through the term insurance policy document carefully before purchasing it for the long term. Usually, the entry age for term insurance plans is 18 years and maximum age can vary depending on policy chosen.
Popular Tata AIA Term Insurance Plans
Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN:110N176V13)
Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN: 110N171V16)
The term insurance meaning refers to the type of life insurance that provides financial protection for a fixed policy term. If the life assured passes away during this period, the nominee receives the sum assured, subject to the policy terms and conditions. However, if the policyholder survives the term, no maturity benefit is payable under a standard term insurance plan, as it is designed purely for life cover. Since it does not include a savings or investment component, term insurance generally offers a high sum assured at comparatively affordable premiums.
After understanding what is term life insurance, let’s understand why term insurance is important:
The primary purpose of a term insurance plan is to provide financial support to your nominee if you pass away during the policy term. The sum assured can help your family manage regular expenses, future goals, and outstanding financial obligations.
One of the key term insurance benefits is that it provides substantial life cover at comparatively affordable premiums. This makes it easier for individuals to secure adequate financial protection without significantly affecting their monthly budget.
A term insurance plan complements your overall financial plan by helping ensure your family's financial stability even in your absence. It can work alongside your savings and investments to create a more comprehensive financial safety net.
Knowing that your loved ones may have financial support if something unexpected happens can offer reassurance. This allows you to focus on achieving your personal and financial goals with greater confidence.
The term insurance plan is based on a simple principle and can be illustrated in the following steps.
When you purchase the term insurance plan, decide on the required life cover based on your family's expenses, loans, liabilities, and future financial goals.
Select the policy tenure based on your dependent family members and your commitments. For example, you can decide it based on your years to retirement, when your children can take over your family's financial responsibilities, when you can become financially independent, etc.
Derive the term insurance premium based on the sum assured and the policy tenure. It is also affected by your age, gender, rider options availed, etc.
When you purchase the term insurance plan, you can choose to pay the premium as a single payment, regularly for a limited term or the entire policy tenure.
In the event of your unexpected death any time during the policy tenure, your nominee will be entitled to receive the payout, provided you have paid the premiums entirely for the policy period.
If you have just started a career, you may have availed of an education loan, car loan, etc. In the event of your unexpected death, your family will be liable to repay the loan. Purchasing term insurance can reduce this burden. Furthermore, you can invest more at a younger age and choose a longer policy period considering the lesser family commitments.
If you are just married or a young parent who has just given birth to a child, you must purchase term insurance to secure the future of your spouse and dependent children, considering the unexpected eventualities.
If you are a working woman and your family depends on your earnings to any extent, securing their financial goals with your life cover becomes essential. It will help them manage routine expenses, clear off debts, and accomplish their future money goals.
If you own a business, you might have availed of several loans to expand your business initiatives. In the event of your unexpected demise, your family will be burdened with the unpaid loans and their repercussions. Securing your life with a term policy is important to avoid such scenarios.
If you have a dependent family who will remain dependent throughout their life, you should invest in term insurance to help them manage their financial needs in your absence.
To understand what is term insurance plan completely, it is important to know its key features. These features help you choose a policy that aligns with your protection needs, budget, and long-term financial responsibilities.
A term insurance policy generally offers a high life cover at an affordable premium. This enables you to choose a sum assured that can help your family manage household expenses, outstanding liabilities, and future financial goals in your absence.
Since term insurance is a pure protection plan without a savings or investment component, it is typically available at comparatively lower premiums. Most insurers also offer flexible payment frequencies, allowing you to pay premiums monthly, quarterly, half-yearly, annually, or as a single premium.
Term insurance plans allow you to select a policy tenure based on your financial responsibilities and life stage. Depending on the insurer and product, you may choose coverage for a fixed number of years or opt for long-term protection extending up to an advanced age.
You can strengthen your policy by adding optional riders 9 such as critical illness cover, accidental death benefit, waiver of premium, or accidental total and permanent disability cover. These riders 9 provide additional financial protection against specific life events by paying an extra premium.
Many term insurance plans offer flexible claim settlement options, allowing nominees to receive the death benefit as a lump sum, regular monthly income, or a combination of both. This flexibility helps families manage both immediate and long-term financial needs more effectively.
The term plan provides the death payout to your nominee in the event of your unexpected death. It can help secure their future in your absence to survive and accomplish their financial goals.
Term insurance plans provide increased flexibility. You can decide on the sum assured and the policy period based on a premium that is affordable for the long term. Furthermore, you can choose from the different premium payment and payout options.
You can choose from the following term insurance premium payment options :
Single Premium Payment: You can pay the premium as a single payment during policy inception.
Limited Premium Payment: You can pay the premium for a limited term while ensuring the benefits throughout the policy tenure.
Regular Premium Payment: You can pay the premium regularly throughout the policy tenure.
Furthermore, for the limited and regular premium payment methods, you can choose the payment frequency for the premium, whether monthly, quarterly, semi-annually, or annually.
You can choose between the following payout options.
Lumpsum: If your family needs a lump sum amount to accomplish their future financial goals or clear off debts in your absence, you can choose the lump sum option.
Regular Income: If your family cannot handle a lump sum and need a regular income to pay for their routine expenses or utilities, you can choose the regular income.
Combination of Lump Sum and Regular Income: You can choose this option if you feel a lump sum can clear off debts, and the remaining amount needs to be utilised for routine expenses.
Term insurance plans generally do not have a maturity benefit. However, with the return of premium option, you can receive a refund of the term insurance premium amount paid as a maturity benefit if you outlive the policy term.
Under Section 80C, you can receive a tax deduction benefit of up to ₹1.5 lakhs for the annual premium paid for your term insurance policy. Furthermore, the death payout or the maturity benefits qualify for the tax exemption benefit under Section 10(10D) of the Income Tax10 Act 1961.
You can purchase and request the claim settlement process for term insurance online.
When you purchase term insurance online, you can compare the different types of term insurance products, utilise our Tata AIA Life Insurance Term Insurance Calculator to determine the premium for the term policy, and decide on a suitable product.
On the other hand, you can initiate the claim request, upload the necessary documents, and get the claim settled in a few hassle-free steps.
Age is one of the most important factors that affect the term insurance premium. With the increase in age, you are probable to contract various diseases or illnesses that can increase the risk of death. To cover this increased risk, insurers increase the term insurance premium.
Habits such as smoking and drinking that you might develop at different stages of your life and changes in lifestyle due to work conditions that can lead to conditions such as obesity can increase the probability of developing critical diseases. And therefore, it can increase your premium.
If you are engaged in an occupation that involves activities that can lead to unexpected accidents, such as working in a factory, power plant, etc., it can increase your term insurance premium.
The higher the sum assured, the greater the premium rate. However, if the policy period is longer, the term insurance premium reduces even if the sum assured is higher..
When you choose a longer policy tenure, the risk is spread across the long term, and the premium is lesser. Therefore, start investing in a term plan early to choose a longer policy period and benefit from a lesser premium.
Secure Family’s Financial Future - A term insurance policy can secure your family's financial future by providing a lump sum death benefit to your nominee in the event of your unexpected death. It can help them pay for their routine expenses and accomplish their future financial goals, such as your child's education, marriage, etc.
Secure your Assets - During your employment phase, you might have extended your asset base by starting a new business, purchasing a new house or car, etc. And to own these assets, you might have availed of loans or borrowed funds from other financial sources. In the event of your unexpected death, your family will be liable to pay these debts, and if they cannot manage the funds, they might end up losing these assets.
The term insurance death benefit can help your family clear off these debts and reduce their financial burden to secure the assets.
Cover Risks - With the passage of time and company, you might develop harmful habits such as smoking, drinking alcohol, etc. It can affect your health and your dependent family members in the event of your unexpected demise.
In addition, if you are engaged in an occupation that involves challenging and hazardous activities, such as working in a factory, power plant, etc., the risk of death is certainly higher. The term insurance can cover such risks and provide a death payout to help your loved ones manage the financial inconsistency in your absence.
Cover Illness and Injuries - With the help of term insurance riders, you can receive additional financial support to pay for the medical and hospitalisation expenses if you are diagnosed with a critical illness, terminal illness, major injury, etc., during the policy tenure.
Let us see why Tata AIA is a good choice for you to buy term insurance:
Individual Death Claim Settlement Ratio 6 in FY 25-26
Families protected so far 7
Highest retail sum assured of ₹9,00,876 Cr.+ 8
Presence across major cities in India
Flexibility to choose a premium payment mode as per convenience
Choosing the right term insurance plan involves more than comparing premiums. Evaluating the following factors can help you select a policy that provides adequate financial protection and suits your family's future requirements.
The sum assured should be sufficient to replace your income and help your family manage outstanding liabilities, regular living expenses, and future financial goals. Selecting an appropriate life cover is one of the most important decisions when purchasing a term insurance plan.
The claim settlement ratio reflects the percentage of claims an insurer has successfully settled during a financial year. A consistently higher claim settlement ratio indicates the insurer's ability to process and honour genuine claims efficiently, making it an important factor while comparing insurers.
Many insurers offer optional riders 9 that enhance the base policy by providing additional protection. Depending on your needs, you may consider riders 9 such as critical illness cover, accidental death benefit, accidental disability cover, or waiver of premium to strengthen your overall financial protection.
Different insurers provide different claim payout options. Depending on the policy, nominees may receive the death benefit as a lump sum, regular monthly income, or a combination of both. Selecting a suitable payout option can help ensure your family's financial needs are met over both the short and long term.
The sum assured for the term insurance can be determined in the following ways:
Based on Human Life Value - You can determine the coverage required based on your income, expenses, loans and liabilities, and future financial commitments accounting for the inflation rate in this method. You can utilise our Tata AIA Life Insurance Human Life Value Calculator to determine this value.
Based on expenses - You can also determine the sum assured based on your expenses, such as routine utility bills, loans and liabilities, and future financial goals.
General thumb rule - You can also consider the general thumb of calculating the sum assured as 10 times your current annual income.
Term insurance calculator - You can also utilise our Tata AIA Life Insurance Term Insurance Calculator to determine the sum assured and the applicable Term insurance premium for the required policy period.
Determine the required policy period based on your commitments and your dependent family's financial requirements.
For example, suppose you have accumulated sufficient funds and invested for the long term to secure your family and manage their expenses after your retirement. In that case, you can consider the years to retirement as the policy period.
Determine the various term insurance plans available, their features and benefits, and most importantly, their eligibility criteria to compare them for your financial needs.
When your requirements are clearly identified, and you are eligible for the chosen term plans, compare the different term insurance policy options. You can compare them based on features and benefits that suit your requirements and choose a suitable policy.
Customise the chosen term insurance policy by choosing a convenient premium payment method, payout option, etc., to tailor it to your specific financial conditions and family commitments.
Riders enhance the financial benefit offered in term insurance plans during the policy tenure. You can compare the different riders^ and their features and include them based on your requirements.
If you have trickled down to a term insurance policy, determine the premium by providing the required details, such as your age, gender, habits, sum assured, policy tenure, etc., policy tenure, sum assured required and the customisation intended to determine the applicable premium.
You can utilise our Tata AIA Life Insurance Term Plan Calculator to determine the sum assured and the affordable premium to make a wise financial decision.
If you have decided on the affordable premium, before deciding it as the best term insurance plan for your financial objectives, read through the term policy inclusions and exclusions to ascertain the benefits.
You can purchase term insurance online in a few simple steps:
Navigate to the Tata AIA Life Insurance Term Insurance Category page .
Go through the different term insurance policy options.
Compare the features and benefits to choose the best term insurance policy based on your financial needs.
Understand the term policy inclusions and exclusions.
Navigate to the chosen term insurance policy page.
Analyse your financial needs and determine the necessary coverage required.
Provide the required details, such as your age, gender, habits, sum assured, policy tenure, etc., to determine the term insurance premium.
You can customise the term policy based on your requirements by choosing the premium payment and payout options.
If you are not satisfied with the premium, you can revise the inputs to determine the most affordable premium.
Pay the applicable premium and purchase the term insurance online.
Sampoorna Raksha 17 Dec 2024
My experience was excellent. The seamless purchase process, easy plan comparison, and responsive customer support made decision-making effortless
Maha Raksha Supreme 12 Jun 2020
I wanted a policy I could trust & Maha Raksha Supreme fit the bill perfectly. Mr Kamat helped me understand how it would protect my family for years.
Sampoorna Raksha 12 Dec 2024
Offers flexibility with payments. I was able to defer my premium without losing coverage.
Provides financial protection to my dependent family members.
Maha Raksha Supreme 07 May 2024
Knowing that (MRS) provides an instant payout in case of any emergency gives me peace of mind. Made the whole process clean and simple.
A rider^ in term insurance is an add-on cover that can enhance the financial benefits of term insurance during the policy tenure based on certain scenarios. It can be availed at an additional cost and is apart from the regular life cover offered. For example, a rider that covers critical illnesses can provide a lump sum or regular income for a defined income period when the policyholder is diagnosed with a critical illness such as cancer during the policy period. The rider benefit can be used to pay for the medical or hospitalisation expenses to reduce the financial burden.
A term insurance premium is an amount you regularly pay throughout the term insurance policy tenure or as a single payment during policy inception, for which your insurance provider will agree to provide the sum assured to your nominee in the event of your unexpected demise during the policy period.
Based on Income Tax Act 1961, under Section 80C, the premium you pay for the term life insurance will qualify for the tax# deduction benefits, and under Section 10(10D), the payouts will qualify for the tax exemption benefits, subject to the tax provisions and conditions.
Riders are added to the term insurance policy during policy inception. However, you can add it to the existing policy if your insurance provider has the option to do so, for example, during the annual premium payment.
The documents required to purchase a term insurance policy are as follows: ● Proof of income - Salary slips, ITR Returns filed. ● Proof of identity - Passport, Aadhaar Card, etc. ● Proof of address - Aadhaar Card, Ration Card, etc. ● Medical reports
You can purchase a joint term insurance policy and include your spouse for the joint life coverage. In the event of your unexpected death, the term policy will continue to exist, and upon the unexpected demise of your spouse, the benefits will become payable to your nominee.
A term insurance policy covers death irrespective of where it happens, whether inside or outside India.
The minimum and maximum age can differ between the insurance providers and their term insurance policies. Most commonly, it is 18 years and 65 years of age. This can vary as per the plan option chosen.
A woman's role in the family is distinct, and her family might depend on her financially or non-financially. In either case, the family will require financial compensation to manage her absence making term insurance coverage necessary. For example, suppose a woman is a housewife responsible for household activities, and she meets with an unexpected demise. In that case, her family will have to find an alternative to manage her responsibilities at home, which becomes a financial liability. A lump sum death payout can help reduce this financial burden.
NRIs can purchase term insurance in India. Geographical boundaries do not restrict or pose a hindrance to purchasing term insurance in India. While In India, Life insurance policy can be purchased in India easily through quick, digital process. When outside India, NRI can purchase the life insurance policy online from their current place of residence subject to our Board approved underwriting policy.
Term insurance provides life cover for a certain period, and whole life insurance provides financial coverage for life until death. The better option among the two will depend on your individual financial commitments. For example, whole life insurance will be a good choice if you have a dependent family throughout your life. On the other hand, if you have a family who can take over your responsibilities or you have sufficient financial resources for future financial commitments, term insurance can be a better choice.
When you purchase term insurance online: ● You can compare the features and benefits of the different types of term plans and their options to choose a suitable policy. ● It is cost-effective compared to purchasing it offline. Furthermore, you can get additional discounts when you purchase term insurance online. ● It is less time-consuming to purchase term insurance online.
A critical illness benefit in term insurance is an add-on cover that provides an additional financial benefit during the policy tenure to pay for the hospitalisation expenses if you are diagnosed with a critical illness such as cancer, cardiac arrest, etc. You can receive the payout as a lump sum or a regular income for a defined period.
You can claim term insurance benefits in simple steps online: ● Navigate to the Tata AIA Life Insurance Online Claim Intimation page. ● Provide the details such as Policy No., DOB, Mobile No., and Email ID of the claimant. ● Get authenticated for the claim settlement process. ● Download the applicable claim form based on your requirement, such as death claim form, disability claim form, etc. ● Fill out the necessary details. ● Upload the claim request form and the necessary documents, such as the death certificate, FIR for an accident, etc., and complete the claim settlement request process. ● Upon verification, you will get an intimation of the claim settlement progress. You can also claim the term insurance benefits offline by contacting us at the nearest branch office or our toll-free number.
The term insurance premium is not refundable. However, if you wish to cancel the term policy during the free look-up period, you will receive a refund of the premium paid. Furthermore, you can opt for the return of premium option to receive a refund of the premium as a maturity benefit at the end of the policy tenure if you outlive the policy period.
A free look-up period in term insurance is a period of 30 days starting from policy inception provided by the insurance provider if you had purchased the policy online, within which you can terminate the term insurance policy. You can cancel the term insurance policy if you are not satisfied with the policy terms and conditions and receive a refund of the premium amount paid.
You can increase the coverage for your term insurance plan if it has the option and flexibility to allow for the same. For example, our Tata AIA Sampoorna Raksha Promise - Non-Linked, Non-Participating, pure risk, Individual Life Insurance Product (UIN:110N176V05) provides the option to increase the sum assured at the different milestones~ in your life, such as when you get married, blessed with children, etc.
You can cancel term insurance at any time. If you cancel it during the free look period, you will get a refund of the premium paid. And if you cancel it any time further, you will receive a surrender value that the term policy has generated until that time of the policy period. And the benefit will be less compared to the actual benefits the term policy was designated to provide for the policy tenure. Therefore, cancelling the term insurance policy at any time is not advisable.
Term life insurance coverage can be determined in the following ways: ● Based on Human Life Value - You can determine the coverage required based on your income, expenses, loans and liabilities, and future financial commitments accounting for the inflation rate in this method. You can utilise our Tata AIA Life Insurance Human Life Value Calculator to determine this value. ● Based on expenses - You can also determine the sum assured based on your expenses, such as routine utility bills, loans and liabilities, and future financial goals. ● General thumb rule - You can also consider the general thumb of calculating the sum assured as 10 times your current annual income. ● Term insurance calculator - You can also utilise our Tata AIA Life Insurance Term Insurance Calculator to determine the sum assured and the applicable Term insurance premium for the required policy period.
The term insurance premium for a regular policy will stay the same unless any changes are made to the tenure, sum assured, coverage, riders, etc., of the policy. Any changes in the inclusive tax rate structure may also change the policy premium.
Tata AIA Sampoorna Raksha Promise - Non-Linked, Non-Participating, pure risk, Individual Life Insurance Product (UIN:110N176V13)
Tata AIA Maha Raksha Supreme Select - Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN: 110N171V16)
Tata AIA Health Buddy Plan – Non-Participating, Non-Linked Individual Health Product (UIN: 110N183V02)
1 As per the duly approved product design and terms & conditions of the product, illustrated premium of ₹678 is the monthly premium for a 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 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 Illustrated Premium of ₹683 is the monthly premium for 20 yr. old female, Standard Life, Non-Smoker for 2 Cr. Sum Assured with Policy Term of 20 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.
6 Individual Death Claim Settlement Ratio is 99.45% for FY 2025-26 as per latest annual audited figure.
7 98,26,808 families protected till 31 st May 2026.
8 Retail Sum Assured for FY25-26 is ₹9,00,876 Crore.
9 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.
10 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.
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.
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/Aug/4986
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