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In this policy, the investment risk in investment portfolio is borne by the policyholder.
Enjoy a fikar-free Life with the Pro-Formula
Multi Cap Fund delivered 30.63% Returns 8 (Benchmark: 21.62%) as of Jun’25
All funds rated 4 or 5 star 5 by Morningstar 9
Get income tax 6 benefits and save more
The linked insurance product does 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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Param Raksha Life Pro Advance 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). Available for individual sale
Personalise your plan as per your priorities.
Inbuilt coverage for
Tata AIA Param Raksha Life Pro Advance is a comprehensive life insurance solution offering comprehensive protection along with wealth creation benefits. It provides flexible options for securing your family’s future while maximizing financial growth through market linked returns 12 .
Our funds have been rated 4 or 5 stars 5 by Morningstar 9 , reflecting their strong performance and reliability.
The life cover under this policy offers a lump sum benefit to your loved ones in the case of any unfortunate event.
This plan provides comprehensive coverage against Accidental Death, Accidental Total and Permanent Disability and Terminal Illness with Term Booster.
Choose premium payment term basis your convenience starting from 5 years up to 85 years.
If the life insured is diagnosed with a terminal illness, they will receive 10% of the sum assured under the life insurance policy.
Get total fund value including Top-Up Premium Fund Value as maturity7 amount.
Extra cover against accidental total and permanent disability in case of an accident. Double benefit in case accident occurs in public transport or other specified circumstances.
An additional sum assured, will be paid to your family in case of accidental death.
Get income tax 6 benefits as per applicable income tax laws and save more.
Returns as of '26 . Fund ratings by Morningstar as of July'26.
Minimum Age of Entry
Maximum Age of Entry
Maximum Maturity Age
Life Cover – 100 years
Accidental Death Benefit and Accidental Permanent and Total Disability – 85 years
Min: 30, Max: subject to maximum age at maturity
5 to up to 85 years of age for limited pay and Regular pay
Limited Pay 5-6 years: ₹20,000 per annum
Limited Pay 7-9 years: ₹18,000 per annum
Other Premium Payment Terms: ₹15,000 per annum
Annual, Half-yearly, Quarterly and Monthly
Life cover: Smart Sampoorna Raksha Supreme including Term booster - ₹50 Lakhs
Life cover: ₹5 Crore
Accidental Death Benefit and Accidental Permanent and Total Disability – Equal to Tata AIA Smart Sampoorana Raksha Supreme
Accidental Death Benefit and Accidental Permanent and Total Disability – ₹5 Crores
Age as on Last Birthday
Our experts are happy to help you!
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.
What is Terminal Illness with Term Booster in Tata AIA?
The Terminal Illness with Term Booster1 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.
What are the tax benefits of Tata AIA Param Raksha Life Pro Advance?
When you purchase this policy, payouts received from the term plan with the market-linked returns 12 will qualify for a tax 6 deduction and exemption benefit under Section 80C and Section 10(10D) of the Income Tax Act 1961.
What does Param Raksha Life Pro Advance comprise of?
Param Raksha Life Pro Advance comprises of comprehensive life insurance coverage with market-linked returns ~ boosted by the Wellness Program under. Tata AIA Health Buddy
What is the maturity benefit of Param Raksha Life Pro Advance?
The maturity benefit offered under this policy is the total fund value of your investment at 4% or 8%, as maturity 7 amount including loyalty additions and other refundable charges.
What is the Accidental Death Benefit in this policy?
The Accidental Death Benefit provides an additional sum assured to your family in case of your untimely demise due to an accident. This ensures enhanced financial security for your loved ones in such unforeseen circumstances. Benefit will be as per table below 4 .
Accidental Death Benefit (subject to max sum assured allowed)
Equal to Smart Sampoorna Raksha Supreme Sum Assured
Equal to 2X of Smart Sampoorna Raksha Supreme Sum Assured
Equal to 3X of Smart Sampoorna Raksha Supreme Sum Assured
Param Raksha Life Pro Advance 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.
Critical Illness, Accidental Death, Accidental Disability, Terminal Illness with Term Booster are available with Tata AIA Health Buddy (UIN: 110N183V01).
1 The Insured Amount under Terminal Illness with Term Booster option (in 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.
2 All Premiums in the policy are exclusive of applicable taxes, duties, surcharge, cesses or levies which will be entirely borne/ paid by the Policyholder, in addition to the payment of such Premium.
4 Refer Tata AIA Health Buddy brochure for details.
5 All funds open for new business which have completed 5 years since inception are rated 4 star or 5 star by Morningstar as of August 2024.
6 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.
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.
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.
8 5-year computed NAV for Multi Cap Fund as of June 2025. Other funds are also available. Benchmark of this fund is S&P BSE 200.
9 ©2024 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.
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).
12 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.
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 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.
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). 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.
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.
To know more about the products, features, and eligibility, kindly visit our nearest branch or contact us at +91 22 6984 9300
L&C/Advt/2025/Oct/3955