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In this policy, the investment risk in investment portfolio is borne by the policyholder
Grow Wealth while securing your Family’s Future
High Life Cover + Market-linked 4 growth
All funds rated 4 or 5 stars 5 by Morningstar 6
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: ₹8.62 Lakh
Save ₹6,852 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.
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A simple term plan offers pure life cover protection to your family in case of an uncertain event. However, a term plan plus wealth plan combines the benefit of life insurance coverage and market-linked 4 investments under one policy. Read more With such a comprehensive term plan, not only can you secure your family’s future but also invest in wealth-creation opportunities over the long term. Under a market-linked 4 term plan, you can invest in various investment funds per your risk appetite and objectives. You can choose from our multiple top-rated funds 5 between equity-based, debt-based as well as hybrid funds - offered under the various market-linked 4 plans. You can either integrate your entire investment under one fund or diversify it into multiple funds. Depending on the performance of these funds as per the market movements, your invested amount grows until the policy matures, which is then paid out as the maturity benefit. Read less
Choose from our best sellers
# Data as of 30th Sep'24
Returns as of '26 . Fund ratings by Morningstar as of July'26.
A term plan with market-linked 4 returns combines traditional life insurance protection with investment opportunities. Along with securing your family’s financial future, the plan allows you to invest in market-linked 4 funds including Multi Cap Fund with a 5-year annualized return of 23.21% (Benchmark: 16.65%) & and the India Consumption Fund, which has delivered a 5-year annualized return of 23.85% (Benchmark: 16.65%) as of November 2025. You can also allocate your money to a single fund or diversify across multiple funds. The value of your investment grows according to market performance, and the accumulated amount is paid out as a maturity benefit at the end of the policy term.
Param Raksha Life Advantage +
Param Raksha Life Growth +
Param Raksha Life Pro Advance
Comparison of Param Raksha plans
Life Insurance Cover
Market Linked Returns
Income Tax 2 Benefits
18 years to 65 years
23 years to 65 years
Lumpsum payout on Maturity 8
Terminal Illness cover with Term Booster 7
(With Return of Premium)
Premium Payment Term
Limited Pay – 5 years to *max. Policy Term less 1 year
Regular Pay – 30 years to *max. 67 years
(*Subject to max age for last premium payment of 85 years)
Limited Pay – 5 years to max. till age 85 years
Regular – Equal to the policy term subject to min. policy term of 30 years and maximum till age 85 years
Additional Sum Assured in case of Accidental Death.
2X Additional Sum Assured in case of accidental death in public transport.
Premium Payment Mode
Annual, Half yearly, Quarterly and Monthly
Age as on last birthday
*Smart Sampoorna Raksha Supreme Sum Assured for all propositions post age 85 will be either 10 times of Smart Sampoorna Raksha Supreme annual premium or Sum Assured at inception, whichever is lower.
Our experts are happy to help you!
Why should you buy a Term + Wealth plan?
Comprehensive Financial Protection
The term plan will protect your family against various financial risks in case of your untimely death during the policy term. And you will also get the opportunity to grow wealth for your family's future financial obligations.
Focus On Wealth Creation
While you can focus on growing your wealth, the insurance coverage available under these plans secures your family. Therefore, you can align your financial planning and investment decisions based on your requirements.
Offer Tailored Solutions
For a term plan with market-linked 4 returns, you can choose from a range of fund options based on your risk appetite and financial goals. You can opt for debt-based funds for stability, equity-based funds for higher growth, and hybrid funds for a balanced approach.
Market-linked 4 investments will outpace inflation in the long term, preserving the purchasing power of your savings. By investing in equity-based funds, you can mitigate financial risks caused by inflation better and secure your future.
Benefits of a Term + Wealth plan
You can get extensive term life insurance coverage and wealth creation opportunities at an affordable rate. In addition, if you invest at an early age and enjoy the benefit of lower multiples and lower life cover charges.
You can choose between the various flexible features, such as the premium payment option, premium payment frequency, cover term, and investment fund options, based on your financial condition and requirements.
Long-Term Investment
As term plans with market-linked 4 returns allow for choosing a long policy term, you get the opportunity for systematic wealth accumulation. The longer you stay invested, the better the power of compounding and the higher the market-linked 9 investment benefits.
Like any other life insurance policy, the premium paid, and the payouts received from the term plan with the market-linked 4 returns will qualify for a tax 2 deduction and exemption benefit under Section 80C and Section 10(10D) of the Income Tax Act 1961.
Who should buy a Term + Wealth plan?
A term plan with market-linked 4 returns is suitable for any individual seeking a life insurance cover and market-linked 4 investment opportunities. However, the following categories of people can consider purchasing it for certain specific reasons, as discussed below..
Young professionals have distinct long-term financial goals ranging from purchasing a new car to starting a new business. They will have a high-risk tolerance for wealth creation and the advantage of lower premium rates.
Newly Married Couples
Newly married couples planning their future with children at different stages in life will have increasing financial commitments, such as their child's education, marriage, etc and a financial cushion to keep these financial goals safe. The cost of them keeps increasing with the inflation rate. A term plan with market-linked 4 returns can suffice for such requirements with adequate planning.
Parents can use the funds to fund their child’s education and the term plan provides the financial protection for dependents. The dual benefit ensures that parents can safeguard their family’s future while growing their wealth.
Individuals Planning Early Retirement
Most of us these days want to earn at a higher pace, secure and invest the earnings and want to retire early. A term plan with market-linked 4 returns will help them invest for market linked returns, which can further be utilised for receiving a passive income for life after retirement.
Why choose Tata AIA Life Insurance?
You can choose from the different policy options as per your needs. Our policies offer flexibility in terms of policy coverage, policy terms, investment fund options, and premium payment options to make the selection more accessible for you.
If you are deciding between the different plans, you can utilise the 'Calculate Premium' option specific to the options to determine the premium, compare, and make a well-informed decision. That way, you can compare the features, benefits, and premiums of the options before choosing one.
Seamless Online Process
When purchasing a new policy, Tata AIA Life Insurance offers a simple and swift online process for your convenience. You can also choose from multiple digital payment options for easy premium payments.
The Tata AIA Assurance
The claim settlement ratio denotes the number of claims honoured each year. With an individual death claim settlement ratio of 99.45% 9 in the FY 2025-26, you can rely on us to settle your claims in a timely and efficient manner.
Our fund options are highly rated 4 or 5 stars 5 by Morningstar 6 . You can choose the fund options based on your risk appetite.
1. How does a Term + Wealth plan work? After purchasing the term + wealth plan, you will pay the applicable premiums. A certain percentage of it will be utilised for the insurance cover, and the remaining portion will be invested in market-linked 4 funds. The returns on these investment funds will depend on the market volatility and their performance. In the event of your unexpected death or at maturity, the accumulated fund value or the sum assured as applicable will be provided as the death benefit or the maturity benefit.
2. Is a Term + Wealth plan better than a ULIP? Unit-linked Insurance Plans offer a lower life cover protection to your family along with investment opportunities as compared to a Term + Wealth plan. While a ULIP can be a good choice for investments, a term plan with market-linked 4 returns can offer a more wholesome approach to getting extensive life cover and wealth creation opportunities.
3. What is the lowest and highest term insurance coverage that I can opt for? The lowest sum assured or term insurance coverage you can select for your policy is specified for each term insurance plan. You can choose the highest sum assured as per your needs. However, the approval of the sum assured will be subject to the guidelines as per plan criteria.
4. When should you buy a Term + Wealth plan? You can buy a term + wealth plan at any life stage. However, it is best advised to purchase it at a younger age to benefit from lower premium rates. Make sure you analyse your financial needs and risk profile before you make a decision.
5. How to choose the best Term + Wealth plan? Choosing the best term + wealth plan should start with analysing your financial needs and the policy term. Understand your financial needs and compare the different options based on their features and costs by calculating the premium. Further, determine the most suitable and affordable plan option, considering your financial condition and that which will satisfy your needs.