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Param Raksha Life Pro + Best Seller
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Stay protected and earn with market-linked returns 4
Multi Cap Fund delivered 28.22% Returns 3 (Benchmark: 17.12%)
Get a life cover with lump sum benefit on maturity 1
3D protection: Death, Disability, Disease
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 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 Vitality Protect Advance - A Non-Linked, Non- Participating Individual Health Product (UIN: 110N178V01).
Personalise your plan as per your priorities.
All funds rated 4 or 5 star 5 by Morningstar 6
5 to up to 85 years of age for limited pay and Regular pay
Partial withdrawals are allowed after 5 years without any charge
Inbuilt coverage for
Accidental Total and Permanent Disability
Access to Tata AIA Vitality program 8 Earn up to 10% 9 upfront premium discount on 1st year & renewal discount up to 30% on Tata AIA Vitality Protect Advance premiums.
Tata AIA Param Raksha Life Pro offers comprehensive life insurance coverage combined with marker linked returns 4 for wealth creation, ensuring your family's financial security and long-term growth. With flexible premium payment options this plan provides peace of mind for life's uncertainties.
Get life insurance coverage for up to 100 years with lump sum benefit on policy maturity 1 .
Make easy annualised premium payments for your base policy as per your premium payment mode and term to avail life cover.
Get Income tax 7 benefits as per applicable tax laws.
Receive the fund value of your investment on the maturity of the policy to boost your savings.
Safeguard your family with additional Sum Assured in case of Accidental Death and 2X 2 Additional Sum Assured in case of unfortunate accidental death in public transport or other specified circumstances.
In case of a total and permanent disability due to an accident, your family will receive a lump sum under the Accidental Total and Permanent Disability Benefit. 2X 2 benefit if the accident occurs on public transport or other specified situations.
Get life cover, disability cover and savings solution so that you and your family can receive comprehensive coverage.
Our funds have been rated 4 or 5 stars 4 by Morningstar 5 , reflecting consistent performance and trusted investment quality.
Choose from multiple fund options provided under the plan or opt for the Enhanced Systematic Money Allocation & Regular Transfer (Enhanced SMART) portfolio strategy.
A comprehensive wellness program that helps you understand and improve your health thereby offering premium discounts 9 of up to 10% on Tata AIA Vitality Protect Advance premiums in the 1st year.
Tata AIA Vitality is a globally recognized, holistic and science-based wellness program that helps you understand and improve your health while also rewarding you.
On enrolling into the Wellness Program, you get an upfront discount of up to 10% 9 on Tata AIA Vitality Protect Advance premiums in the 1st year. The premium discount in the subsequent years may increase or decrease based on your Wellness status (Decided based on your engagement levels, i.e., completion of health assessments, achievement of fitness goals etc.).
Our experts are happy to help you!
Min/max age at entry (Years)
Max. age at maturity
Life Cover: 100 years
Accidental Death Benefit: 85 years
Accidental Total & Permanent Disability: 85 years
Min: 30, Max: subject to max. age at maturity
Premium payment term
Smart Sampoorna Raksha Supreme Premium:
Limited Pay 5-6 years: ₹ 20,000 p.a.
Limited Pay 7-9 years: ₹ 18,000 p.a.
Other Premium Payment Terms: ₹ 15,000 p.a.
Annual, Half yearly, Quarterly and Monthly
Life cover – 50 Lakh
Accidental Death Benefit – 45 Lakh
Accidental Total & Permanent Disability – 45 Lakh
Life cover- No Limit
Accidental Death Benefit – 5 Crore
Accidental Total & Permanent Disability – 5 Crore
All references to age are as on last birthday.
Step 1 - Choose Sum Assured and Premium Payment Option
Select the sum assured and premium payment option as per your financial goals
Step 2 - Select Policy Term and Premium Payment Mode
Premium Payment Mode
Annual, Half-yearly, Quarterly, Monthly
Step 3 - Payment Options
Purchase the plan quickly and easily online after customizing it as per your needs and make the payment through any of the given digital channels, as per the premium displayed on the screen.
Param Raksha Life Pro 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 Vitality Protect Advance - A Non-Linked, Non- Participating Individual Health Product (UIN: 110N178V01).
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.
1 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. Applicable for select policies only.
2 Refer Tata AIA Vitality Protect Advance brochure for details.
4 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.