Tata AIA Life Insurance Sampoorna Raksha Promise

Product Overview

A Non-Linked Non-Participating, Pure Risk Individual Life Insurance Plan

Providing a quality life to our loved ones is important. Their dreams & aspirations need to be fulfilled under all circumstances. Presenting Tata AIA's flagship protection plan, Sampoorna Raksha Promise is the ultimate solution for comprehensive financial protection and security to your family.

Key Features

Flexibility to choose from 2 unique Death Benefit options
Life Promise
Life Promise Plus
Whole of life cover available1.
**Special discount for salaried customers on first year premium
- Available only for Salaried customers
- 8.50% discount on First Year Premium for Regular/Limited Pay
- 1% discount on Single Pay option
- Salaried discount will be given in addition to all other discounts
Additional first year premium discount on achieving important life milestones*
- 2% on First Year Limited/Regular premium
- 0.5% on Single Premium
- Capped at maximum of ₹500
- Milestones – Marriage, First Job, First Child/adoption & Home Loan
Option to defer premiums by up to 12 months with FlexiPay Benefit2
Instant payout on claim intimation3
Enhance your protection through our comprehensive riders4 with unique health and value-added services with TATA AIA Health Buddy5.
6Payout Accelerator Benefit – Terminal Illness Benefit with Waiver of Premium
- Both options of SRP have an inbuilt “Payor Accelerator Benefit” wherein the benefit amount equal to 50% of the Base SA is paid out as lump sum on diagnosis of Terminal Illness.
- Upon payment of the TI claim, all the future premiums (base benefit and cover enhancement options, if opted) shall be waived off, and the policy will continue to remain in force for the remaining applicable benefit(s).
- This is an accelerated benefit - On payment of this benefit, the death benefit under the Policy is automatically reduced by the amount paid under this benefit.
- If the life assured survives till maturity after TI benefit is paid, then Under NROP - No additional benefit is payable, and the policy terminates. Under ROP - Premiums paid by the customer will be paid back.
Life Stage option – Cover & Premium increase in line with responsibility & affordability.
- Under this option Max Sum Assured can be opted including all events is 100% of Base Sum Assured.
- Coverage amount increases on happening of any one of the following events
  - Marriage – 50% of SA
  - Birth of 1st Child – 25% of SA
  - Birth of 2nd Child – 25% of SA
  - Availing Home Loan – 100% of SA subject to disbursal amount (Subject to Underwriting)
Option to receive death benefit as lumpsum and/or instalments.
15% lower premium for Female lives

T and C Apply

Disclaimer

Tata AIA Sampoorna Raksha Promise - Non-Linked, Non-Participating, pure risk, Individual Life Insurance Product (UIN: 110N176V11).
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
**As per the duly approved product design and terms & conditions of the product. The product offers discounts - Additional 8.5% discount for salaried customers will be offered which will be applicable on first year. 
*As per the duly approved product design and terms & conditions of the product. The product offers discounts - Additional 2% milestone discount will be offered on different life stages which is applicable on first year only. 
1Not available under POS
2With this feature, policyholder is allowed to defer the due premium for a period of 12 months while maintaining the full risk cover under the base plan and attached riders. At the end of Premium Deferment period, the policyholder is required to pay the due premiums, including the premium applicable for the period of Premium Deferment, i.e. the base cover premium and additional premium (if any). | FlexiPay Benefit shall be available for multiple times with a gap of 5 policy years from the expiry date of previous Premium Deferment. The option can be exercised only after payment of 5 full years premium. | No interest shall be levied on the premium due during the Premium Deferment period. If the premiums due are not paid within the grace period after expiry of the FlexiPay Benefit, the Policy (including Rider(s), if any) shall lapse and no benefits shall be payable in the Policy or the Rider(s), if any) and company shall be entitled to recover the same from any amounts or benefits payable under the Policy or Rider(s). | Please refer the sales brochure and policy document for more details.
3With this feature, instant death benefit of INR 3 Lacs from the Effective Sum Assured will be paid within 1 working day from the claim registration date. This feature is applicable only after a waiting period of 3 policy years from the policy inception or revival of the policy and provided the policy is in force. The remaining sum assured shall be payable post the completion of the claim investigation. Further, in case of any discrepancy in the claim investigation resulting in the final decision of non-payment of the claim, the company reserves the right to recover the already paid amount. The acceleration of instant claim should not be construed/interpreted as acceptance of the claim. Applicable only for policies with minimum Effective Sum Assured of INR 1 Cr. | On assessment of documents submitted during claim assessment, additional documents may be sought by the company. | Please refer the sales brochure and policy document for more details.
4Riders are not mandatory and are 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/Intermediary/ branch.
5 This advertisement is designed for combination of Benefits of two individual and separate products named (1) Tata AIA Sampoorna Raksha Promise - Non-Linked, Non-Participating, pure risk, Individual Life Insurance Product (UIN:110N176V11) and (2) Tata AIA Health Buddy Plan a Non-Participating, Non-Linked Individual Health Product (UIN: 110N183V01)These products are also available for sale individually without the combination offered /suggested. The customer is advised to refer the detailed sales brochure of respective individual products mentioned herein before concluding sale.
5Enhanced protection with TATA AIA Health Buddy$- ADB and ATPD (ROP/NROP) (ADB cannot be opted alone), Mega CI / Select CI (ROP/NROP), HospiCash (NROP) Health buddy$ value added benefits- Teleconsultation (48 per year x 600 (Avg per session) = Rs 28,800) , Preventive check-up (Annual Health Check-up worth Rs 2500) ,Vaccine Discounts (15% Vaccine discount up to Rs 2500) ,Medical Second Opinion and Case Management (MSO program cost which can be availed once in 30 years for CI = 40,000/30 = Rs 1533) , Discounts on Pharmacy (2% discounts on medicines worth Rs 5000 = 2% * 5000 = Rs 100), Discounts on Diagnostics (10% discounts on tests worth Rs 5000 = 10% * 5000 = Rs 500). Health check-up includes Thyroid Profile, HbA1C, BSL, Cholesterol, BMI, Vit B12, Vit D, CBC (For Woman -Additional Test for Anaemia, PCOS, PAP Smear)
6This product has inbuilt payor accelerator benefit that provides 50% of base sum assured on diagnosis of terminal illness and all future premiums are waived. For more details, please refer the brochure
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.
This product is underwritten by Tata AIA Life Insurance Company Ltd. This 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.
In case of Sub Standard lives, extra premiums will be charged as per our underwriting guidelines
For more details on risk factors, terms and conditions please visit us at: www.tataaia.com.
Product is available under PoS as well. Life Stage, Top up, Payor Accelerator benefit and riders will not be available under PoS.

INDUSIND Bank Limited (CA0001) is the Corporate Agent of Tata AIA Life Insurance Company Limited and does not underwrite the risk or act as an insurer. INDUSIND Bank Limited, 2401, Gen Thimmayya Rd. (Cantonment), Pune-411001. Participation by the Bank's clients in the Insurance products is purely on a voluntary basis. The contract of Insurance is between Tata AIA Life and the Insured and not between the Bank and the Insured.

Tata AIA Life Insurance Company Limited (IRDAI Regn. No.110 • CIN: U66010MH2000PLC128403). Registered & Corporate Office: 14th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg, Lower Parel, Mumbai - 400013. Trade logo displayed above belongs to Tata Sons Ltd and AIA Group Ltd. and is used by Tata AIA Life Insurance Ltd under a license. For any information including cancellation, claims and complaints, please contact our Insurance Advisor/ Intermediary or visit Tata AIA Life’s nearest branch office or call 1-860-266-9966 (local charges apply) or write to us at customercare@tataaia.com. Visit us at: www.tataaia.com. (UIN: 110N176V11)

L&C/Advt/2026/Mar/2264

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