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Non- Participating, Unit Linked, Individual Life Insurance Savings Plan (UIN: 110L172V03)
In this policy, the investment risk in investment portfolio is borne by the policyholder.
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Get financial protection to safeguard your family’s future
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Create a second income with New Partial Withdrawal strategies
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Flexibility to choose your policy term and premium payment term
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Add On Rider3 Benefits
- Hospitalization Benefits
- 3C Protection: Cancer, Cardiac and Critical Illness
- Accidental Death and Disability
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Get financial protection to safeguard your family’s future
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Create a second income with New Partial Withdrawal strategies
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Flexibility to choose your policy term and premium payment term
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Add On Rider3 Benefits
- Hospitalization Benefits
- 3C Protection: Cancer, Cardiac and Critical Illness
- Accidental Death and Disability
Benefits Of Tata AIA Smart Sampoorna Raksha Pro:
1. Loyalty Additions: From the 11th year of the policy onwards, at the end of each month, either the mortality charge or twice the mortality charge (depending on the plan option) deducted 120 months ago will be added to the Fund Value as extra units until you reach the age of 85.
2. Refund of Premium Allocation Charges: Based on the chosen plan option, at the end of the 10th, 11th, 12th, and 13th policy years, two times the total Premium Allocation Charges deducted 10 years prior shall be added to the Fund Value in the form of addition of units until the policy is in force.
3. Cover Continuance Boosters: Cover Continuance Boosters shall be added in the form of addition of units. For the first 15 Policy Years, at the end of the policy month, if the Fund Value falls below 10% of the Instalment Premium, and from the 16th Policy Year till the end of the Policy Term, at the end of each policy month, if the Fund Value falls below the Fund Value implied by the Target Net Yield.
4. Smart Lady: For female lives 0.5% of instalment premium shall be added in the first year
5. Second Income with Withdrawal Plans: After 5 policy years, you can choose to receive a second income based on three withdrawal plans: Systematic Withdrawal Plan, Chosen-Rate Withdrawal Plan, and Index Based Withdrawal Plan.
6. Settlement Option: You can get the maturity benefit all at once as a lump sum amount or in the form of periodical payments over a settlement period of five years from the Maturity Date.
7. Add Riders for Additional Coverage: Riders4 can be included in the plan for additional coverage during specific scenarios. The Wellness benefit with Tata AIA Vitality helps improve your quality of life while also getting rewarded for the same with premium discounts.
Policy Documents
ELIGIBILITY
Eligibility
- Click on Know More for Eligibility
Disclaimer
• Tata AIA Smart Sampoorna Raksha Pro - Non- Participating, Unit Linked Individual Life Insurance Savings Plan (UIN: 110L172V03)
• 1 All funds open for new business which have completed 5 years since inception are rated 4 or 5 star by Morningstar as of May’24.
• 2 ©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.
•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.
•3 Riders 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.
•Tata AIA Vitality Protect Plus - A Non-Linked, Non- Participating Individual Health rider (UIN:110B046V03), Tata AIA Vitality Health Plus, A Non-Linked, Non- Participating Individual Health rider (UIN:110B045V02), Tata AIA Non-Linked Comprehensive Protection Rider (UIN:110B033V03 or any other later version) - A Non-Linked, Non- Participating Individual Health Rider Tata AIA Non-Linked Comprehensive Health Rider (UIN: 110B031V03 or any other later version) - A Non-Linked, Non- Participating Individual Health Rider) are available under this plan.Read More
• Linked Insurance Products do not offer any liquidity during the ¬first fi¬ve 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.
• The fund is managed by Tata AIA Life Insurance Company Ltd. 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. • 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). • Please make your own independent decision after consulting your financial or other professional advisor. • Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA Smart Sampoorna Raksha Pro 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. • Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. Please know the associated risks and the applicable charges, from your Insurance Agent or Intermediary or Policy Document issued by the Insurance Company.
• 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. The underlying Fund's NAV will be affected by interest rates and the performance of the underlying stocks.
• Premium paid in the 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 Company does not guarantee any assured returns.
• Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfilment of conditions stipulated therein. Tata AIA Life Insurance Company Ltd. does not assume responsibility on tax implications mentioned anywhere on this site. Please consult your own tax consultant to know the tax benefits available to you.
• Goods and Services Tax and cesses, if any will be charged extra by redemption of units, as per applicable rates. Tax laws are subject to amendments from time to time.
• Insurance cover is available under the product.
• The products are underwritten by Tata AIA Life Insurance Company Ltd.
• The plans are not a guaranteed issuance plan and it will be subject to Company’s underwriting and acceptance.
• For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. L&C/Advt/2025/Mar/1013
IDFC First Bank Ltd. (IRDAI Registration No:CA0106) is the Corporate Agent of Tata AIA Life Insurance Company Limited and does not underwrite the risk or act as an insurer. IDFC First Bank Ltd., KRM Tower, 7th Floor, No. 1, Harrington Road, Chetpet, Chennai-600031, Tamil Nadu, India. 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
BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS - IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.Read Less
