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Tata AIA Life Insurance Sampoorna Raksha + Overview

A Non-linked Non-Participating Term Assurance Plan with Return of Premiums on Maturity

Get much more than just pure life cover!

We do our best to take care of all our family’s needs and try our best to ensure financial security of our family from uncertainties of life. Term plans undoubtedly are the best way of shield our family from financial crisis in case of an unfortunate event.

Presenting “TATA AIA Life Insurance Sampoorna Raksha+” a plan that not only protects you from uncertainties of life but also gives you return of premiums paid on survival till maturity of the Policy.

What’s more...You may opt to receive either a Lump Sum benefit on Death or Lump Sum benefit on Death and Monthly Income for next 10 years.


Tata AIA Life Insurance Sampoorna Raksha Features

  • Flexibility to choose between two Death Benefit options:
    •  “Sum Assured on Death” as Lump Sum benefit on Death
    • “Sum Assured on Death” as Lump Sum benefit on Death and Monthly Income for next 10 years
  • Return of Premium - in case of survival till maturity
  • Life Cover for Policy Term of up to 30 years or up to Age 80 years
  • Choice of Regular or Limited (5 or 10 Years) Premium Paying Term
  • Lower premiums rates for Non-Smokers and Female lives
  • Enhance your protection with Optional Rider
  • Large Sum Assured discount for Higher Coverage
  • Receive tax benefits u/s 80C and 10(10D), as per the applicable Income Tax laws

All Premiums Paid (excluding the underwriting extra premiums and modal loading) will be returned on maturity


Plan Parameters Minimum Maximum
Age at Entry (years) 2 18 For Regular Pay& Limited Pay 5 year: 70
For Limited Pay 10 years: 65
Age at Maturity (years) 2 28 80
Death Benefit Option 3
  • “Sum Assured on Death” payable on Death
  • “Sum Assured on Death” payable on Death & Monthly Income thereafter for 10 years
Premium Payment Term (PPT) /
Policy Term (PT) (years)
PremiumPaying Term (PPT) Policy Term
Regular Pay 10 to30
Limited Pay 5 10 to30
Limited Pay 10 15 to30
Basic Sum Assured
(Sum Assured in multiples of  1,00,000)
Rs. 50,00,000 No Limit subject to Board approved underwriting policy
Annualised Premium (Rs.) Based on Basic Sum Assured
Premium Payment Mode Annual/ Half-yearly/ Quarterly/ Monthly

All reference to age is as on last birthday.

The Death benefit option can be selected only at inception of the Policy


  • Insurance cover is available under this product
  • 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.
  • Rider is not mandatory and is available for a nominal extra cost. For more details on benefits, premium and exclusions under the Rider(s), please refer to the rider brochure or contact Tata AIA Life's insurance advisor/branch. Tata AIA Life Insurance Accidental Death and Dismemberment (Long Scale) (ADDL) Rider (UIN:110B028V01)
  • All taxes, duties, surcharge, cesses or levies, (including but not limited to Service Tax and TDS), as may be imposed by Government or any statutory authority from time to time, on the premiums payable and benefits secured under Policy, shall be borne and paid by the Policyholder.  Tata AIA Life Insurance Company Limited reserves the right to recover/ deduct from the policyholder, any levies and duties (including Service Tax, Surcharge, Cess and TDS), as imposed by the government from time to time.
  • 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 Sub Standard lives, extra premiums will be charged as per our underwriting guidelines
  • Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. 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.
  • For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale

UIN: 110N130V01                                                               L&C/Advt/2016/Oct/533
For any information including cancellation, claims and complaints, please contactour Insurance Advisor or visit Tata AIA Life’s nearest branch office or call 1-860-266-9966 (local charges would apply) or write to us at

You may also write to us on for any product related queries.

Tata AIA Life Insurance Company Ltd. (IRDA of India Regn. No.110)
CIN No. U66010MH2000PLC128403
Registered & Corporate Office: 14th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg,
Lower Parel, Mumbai – 400013

INDUSIND Bank Limited (1749817) 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.

IRDA of India clarifies to public that

  • IRDA of India or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums.
  • IRDA of India does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.
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  • Daily balance upto 5 lac 4 %
  • Daily balance above 5 lac and upto 10 lac 5 %
  • Daily Balance above 10 lac 6 %

  • 1 year to 1 year 2 months 7.15 %
  • Indus Tax Saver Scheme - 5 years (upto Rs 1.5 lacs) 6.75 %
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