Tata AIA Sampoorna Raksha Promise

Overview

Tata AIA Sampoorna Raksha Promise is a pure-term life insurance plan by Tata AIA Life Insurance that offers coverage up to 100 years of age, with a minimum sum assured of ₹25 lakhs and no upper cap on cover. The plan is available across four options- Life Promise, Life Promise Plus, Joint Life Promise, and Joint Life Promise Plus, and includes an instant payout of ₹3 lakhs within one working day of claim intimation for policies with ₹1 crore or higher cover. Entry age ranges from 18 to 65 years, and independent analysis shows its premiums run roughly 10–15% lower than competing whole-life term plans in the same category.

Key Benefits of Sampoorna Raksha Promise Plan

• Choice of Plan Options
• Instant Payment on Claim Intimation
• Whole Life Coverage Option
• Special Discount for Female Policyholders
• Add-on Riders to Choose
• Choice of Death Benefit Payout

Riders Associated with Tata AIA Sampoorna Raksha Promise Plan

You can add the following riders to your Tata AIA Sampoorna Raksha Promise:

• Tata AIA Comprehensive Protection Rider: It provides extra protection against accidental death, disability, and critical illness.
• Tata AIA Comprehensive Health Rider: It offers financial support for major health-related emergencies and illnesses.
• Tata AIA Life Insurance Vitality Protect: This rewards healthy lifestyle habits while enhancing life insurance protection.
• Tata AIA Life Insurance Vitality Health: It combines health coverage with wellness rewards for maintaining healthy activities.

Additional Features

• Flexible Cover: Offers whole life cover (up to age 100).
• Death Benefit Payouts: Nominees can receive benefits as a lump sum, staggered installments (up to 30 years), or a combination.
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• Instant Payout: An accelerated instant death benefit of ₹3 Lakhs is paid within one working day of claim intimation for policies with a minimum sum assured of ₹1 Crore (after a 3-year waiting period).
• Special Discounts: 15% lower premium for female policyholders, with additional discounts for salaried customers and single mothers.
• Payor Accelerator Benefit: Pays 50% of the Effective Sum Assured on terminal illness diagnosis, waives future premiums, and the policy continues with the remaining cover.
• Cover Enhancement Options: Increase life cover during major life events or boost it yearly by 5% to 20%.
• Super Retirement Benefit: Get back 100% of total premiums paid from the 30th policy year or age 70, with an extra 5% benefit if used to buy a Tata AIA Life Insurance annuity.
• Waiver of Premium on Husband’s Death: Available for female policyholders; future premiums are waived if the husband passes away.
• Health Management Services: Complimentary access to medical consultations, second opinions, and personal medical case management.

Exclusions

• No claims shall be paid in case of the policyholder’s death due to suicide within one year of policy purchase.
• No policy loan is available under this plan.