Tata AIA Life Insurance Sampoorna Raksha Promise

At a Glance

Life is full of uncertainties, and the unexpected can happen at any moment. A promise of financial security in the face of life's unpredictable events can provide immense peace of mind. This is where the concept of a promise, embodied in the form of life insurance, becomes invaluable.

When we make a promise to our loved ones, we are committing to be there for them, no matter what the future may hold. A life insurance is a tangible expression of this promise, ensuring that in the event of our passing, our dependents will be taken care of financially.

The promise of life insurance extends beyond the present, allowing us to leave a lasting legacy for our loved ones. By ensuring that our family's financial needs are met, we can focus on creating cherished memories and building a strong foundation for their future. This promise becomes a testament to our love and care, a gift that will continue to provide for them long after we are gone.

Tata AIA’s flagship protection plan, Sampoorna Raksha Promise is the ultimate solution for comprehensive financial protection and security to your family.

Key Benefits

• Flexibility to choose from 4 unique Death Benefit options
• Whole of life cover available
• Acceleration of 50% of base sum assured on diagnosis of terminal illness¹
• Inbuilt waiver of premium on terminal illness¹
• Flexibility to cover spouse under joint life option
• Choice to increase cover for a specific period or throughout the policy term²
• Option to receive death benefit as lumpsum and/or instalments
• Option to defer premiums by up to 12 months with FlexiPay Benefit¹⁴
• Instant payout on claim intimation³
• 15% lower premium for Female lives
• Enhance your protection through our comprehensive riders¹⁵ with unique health and wellness benefits¹⁶
• Choice to transfer legacy sum assured to your child with Family Plan option

Death Benefit (DB)

In case of death of the life assured for an in-force policy (all due premiums have been paid), the death benefit payable to the nominee is as outlined below:

Life Promise / Life promise Plus options –

Highest of:

• 25 x Single Premium (excluding discount) or DB multiple⁽⁴⁾ x Annualised Premium⁽⁵⁾ (excluding discount);
• 105% of Total Premiums Paid (excluding loading for modal premiums and discount) up to date of death; or
• An absolute amount assured to be paid on death⁽⁶⁾

Upon payment of entire sum of the death benefit, the policy terminates and no further benefits are payable.

Joint Life Promise / Joint Life Promise Plus options –

Highest of:

• 25 x Single Premium (excluding discount) or DB multiple⁽⁷⁾ x Annualised Premium (excluding discount);
• 105% of Total Premiums Paid (excluding loading for modal premiums and discount) up to date of death; or
• An absolute amount assured to be paid on death⁽⁸⁾

The “Base SA” of the policy would be the sum of the amount payable as lumpsum and discounted value of the staggered benefit stream, as computed using the discount factor as at policy inception.

“Total Premiums Paid” means total of all the premium paid under the base product, excluding any extra premium and taxes, if collected explicitly.

“Annualised Premium” shall be the premium payable in a year under a non-single pay option chosen by the policyholder, excluding the taxes, rider premiums, underwriting extra premiums, loading for modal premiums, if any.

“Single Premium” shall be the premium payable under a single pay option chosen by the policyholder, excluding the taxes, rider premiums, underwriting extra premiums if any.

Eligibility

Disclaimer

• Tata AIA Life Insurance Sampoorna Raksha Promise, A Non-Linked, Non-Participating, Pure risk, Individual Life Insurance Product (UIN:110N176V07)
• ¹This 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.
• ³ With this feature, instant death benefit of INR 3 Lakh from the 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 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.
• ⁽²⁾ Option available with Life Promise, Life Promise Plus, Joint Life Promise, Joint Life Promise Plus
• ⁽⁴⁾ DB multiple is 7 in case of Life Promise and 10 in case of Life promise Plus option
• ⁽⁵⁾ in aggregate for Base SA and all tranches of Additional Sum Assured
• ⁽⁶⁾ The absolute amount assured to be paid on death is the Effective Sum Assured applicable (as defined earlier) as on the date of death
• ⁽⁷⁾ DB multiple is 7 in case of Joint Life Promise and 10 in case of Joint Life Promise Plus option
• ⁽⁸⁾ The absolute amount assured to be paid on death is the Effective Sum Assured applicable (as defined earlier) as on the date of death.
• ⁹Any reference to age is as on last birthday
• ¹⁰The plan option can be selected only at inception of the policy
• ¹¹For all options the figures are in months.
• ¹²For PoS, the Basic Sum Assured shall be in multiples of INR 50,000
• ¹³For Joint Life Promise and Joint Life promise Plus, the above limits will be applicable to both lives.
• ¹⁴With 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
• ¹⁵Rider is not mandatory and is available for a nominal cost. For more details, premiums and exclusions under the rider, please contact Tata AIA Life’s Insurance Advisor / branch
• ¹⁶Tata AIA Vitality - A Wellness Program that offers you an upfront discount at policy inception. You can also earn premium discount / cover booster (as applicable) for subsequent years on policy anniversary basis your Vitality Status (tracked on Vitality app) (2) Please refer rider brochures for additional details on health and wellness benefits. Tata AIA Vitality Health - A Non-Linked, Non- Participating Individual Health rider (UIN: 110B045V03)
• Vitality is a trademark licensed to Tata AIA Life by Amplify Health Assets PTE. Limited, a joint venture between Vitality Group International, INC. and AIA Company Limited. The assessment under the wellness program shall not be considered as medical advice or a substitute to a consultation/treatment by a professional medical practitioner.
• 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.
• 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 all the Premiums Paid.
• In case of Sub Standard lives, extra premiums will be charged as per our underwriting guidelines
• All Premiums are subject to applicable taxes, cesses & levies which will entirely be borne by the Policyholder and will always be paid by the Policyholder along with the payment of Premium. If any imposition (tax or otherwise) is levied by any statutory or administrative body under the Policy, Tata AIA Life Insurance Company Limited reserves the right to claim the same from the Policyholder. Alternatively, Tata AIA Life Insurance Company Limited has the right to deduct the amount from the benefits payable by Us under the Policy.
• For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale
• For more details on risk factors, terms and conditions please visit us at: www.tataaia.com.

UIN: 110N176V07

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 Company 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 [email protected]. Visit us at: www.tataaia.com

DBS Bank India Limited (IRDA of India Registration Number: CA 0257) having the registered office at GF: Nos. 11 & 12, Capitol Point BKS Marg, Connaught Place, Delhi - 110001 is the Corporate Agent of Tata AIA Life Insurance Company Limited. DBS Bank India Limited (Bank) does not underwrite the risk or act as an insurer. The Insurance product is underwritten by Tata AIA Life Insurance Company Limited. The contract of insurance is between the insurer and the insured and not between the Bank and the insured. Bank does not give any warranty, as to the accuracy and completeness of the policies. Bank does not accept any liability or losses attributable to your contract of Insurance. Participation by the Bank’s customers in the insurance products is purely on a voluntary basis and is not linked to availment of any other facility from the bank.

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