Tata AIA Life Insurance Company Limited
Tata AIA Sampoorna Raksha Promise
UIN 110N176V05We don't sell this — we'll still recommend if it fits
The dealbreaker fields (term life)
Sum assured (max)
—
Claim settlement (CSR)
99.1%
Claims TAT
[object Object] days
Suicide exclusion
12 months
Payout options
Option 1: Life Promise · Option 2: Life Promise Plus · Option 3: Joint Life Promise +1
Premium payment
Single Pay · Limited Pay · Regular Pay
Policy term
13–984 yrs
Surrender value
no
Free look
15 days
What this plan does well
- WHOLE-OF-LIFE Cover available — max maturity 100 years (non-PoS) — INDUSTRY LEADING
- 4 Death Benefit Options: Life Promise / Life Promise Plus / Joint Life Promise / Joint Life Promise Plus
- Joint Life Cover for spouse (industry-rare in term)
- Joint Life Promise: Simultaneous accident death gets extra Base SA as lump sum
- Joint Life Promise Plus DB multiple = 10x AP (vs 7x in others)
- Payor Accelerator Benefit — 50% SA on Terminal Illness, premiums waived
- Return of Premium option (Plus variants)
- Flexible Payout — Lumpsum / Staggered / Combination (up to 30 years staggered)
Watch out for
- Min Basic SA ₹25L (non-PoS) — higher than HDFC C2P Super ₹5K
- PAB has 2-year waiting period from issue
- PoS variant has more restrictions (max age, no riders, 90-day waiting period)
- Regular Pay has NO Surrender Value (industry standard)
- Family Plan Option / Cover Enhancement complex to understand for average buyer
Is this the right plan for you?
Run the 30-second cover calculator. We'll tell you whether this plan, or a different one, is the better fit.
Find my right cover →We don't directly sell this plan today. If our verdict says this is your best fit, we'll point you to a broker who does — and tell you our paired listed alternative so you can decide.