The Smart Sampoorna Raksha Plus policy by Tata AIA Life Insurance offers life cover, market-linked returns, and a wellness program, but investment risks are borne by the policyholder and liquidity is restricted for the first five years. It provides various benefits including lump sum payouts for death, accidental death, and total permanent disability, along with a return on maturity based on fund performance. The policy has flexible premium payment terms and offers discounts through the Tata AIA Vitality wellness program.
The Smart Sampoorna Raksha Plus policy by Tata AIA Life Insurance offers life cover, market-linked returns, and a wellness program, but investment risks are borne by the policyholder and liquidity is restricted for the first five years. It provides various benefits including lump sum payouts for death, accidental death, and total permanent disability, along with a return on maturity based on fund performance. The policy has flexible premium payment terms and offers discounts through the Tata AIA Vitality wellness program.
The Smart Sampoorna Raksha Plus policy by Tata AIA Life Insurance offers life cover, market-linked returns, and a wellness program, but investment risks are borne by the policyholder and liquidity is restricted for the first five years. It provides various benefits including lump sum payouts for death, accidental death, and total permanent disability, along with a return on maturity based on fund performance. The policy has flexible premium payment terms and offers discounts through the Tata AIA Vitality wellness program.
The Smart Sampoorna Raksha Plus policy by Tata AIA Life Insurance offers life cover, market-linked returns, and a wellness program, but investment risks are borne by the policyholder and liquidity is restricted for the first five years. It provides various benefits including lump sum payouts for death, accidental death, and total permanent disability, along with a return on maturity based on fund performance. The policy has flexible premium payment terms and offers discounts through the Tata AIA Vitality wellness program.
IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. THE LINKED INSURANCE PRODUCT DO NOT OFFER ANY LIQUIDITY DURING THE FIRST FIVE 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.
Fortify your family's future Smart Sampoorna Raksha Plus and get well-thier. Introducing Tata AIA Life Insurance Smart Sampoorna Raksha Plus. A plan that comprises a life cover for protection, market-linked returns~ for wealth creation along with Tata AIA Vitality# Wellness Program.
What’s in it for you?
Lump sum Fund choices - Upfront discount$ Simplified Return on
benefit for family Flexibility to on rider premiums onboarding with maturity1 at in case of invest in a for first year no Medicals the end of unfortunate death. variety of funds of policy policy term.
Tata AIA Life Insurance Smart Sampoorna Raksha Plus solution comprises of Tata AIA Life Insurance Smart Sampoorna Raksha, A Unit-linked, Non-participating, Individual Life Insurance Plan for Savings and Protection (UIN: 110L156V03) and Tata AIA Vitality Protect Plus, A Non-linked, Non-participating, Individual Health Rider (UIN: 110A048V03). Tata AIA Smart Sampoorna Raksha Pro is also available individually for sale. The Benefits
Life Insurance Cover
Lump sum equal to 15 times of Annualised Premium will be paid to family in case of unfortunate death
Accidental Death2 • Additional Sum Assured in case of Accidental Death2. • 2X Additional Sum Assured in case of accidental death in public transport. • Sum Assured equal to Base Sum Assured
Accidental Total & Permanent Disability2
• Benefit payout in case of Total and Permanent disability to accident. • 2X Benefit in case of disability due to accident in public transport • Sum Assured equal to Base Sum Assured
Terminal illness cover with Term Booster2
Sum Assured equal to Base Sum Assured on Death and Terminal Illness
r r r Return on Maturity1 at the end of Policy Term Fund value on Maturity + Return of all rider premiums paid
Tata AIA Vitality#
A science-based wellness program that helps you improve your health while also rewarding you. Get upto 10%$ upfront discount on first year rider premium. • Upfront discount$ on rider premiums in first year • Earn rewards for healthy lifestyle choices Sample Illustration^^ for Tata AIA Life Insurance Smart Sampoorna Raksha Plus Male | Standard Life | Age 40 (Years) PPT 5 Pay 40 10 Pay 40 12 Pay 40 Regular Pay 40 Premium 1,00,000 1,00,000 1,00,000 1,00,000 Tata AIA Life Insurance Smart Sampoorna Raksha Sum Assured 9,96,855 11,72,520 12,09,825 13,40,910
Other Riders Premium*: Sum Assured equal to Tata AIA Life Insurance Smart Sampoorna Raksha Sum Assured Term Booster2 Premium 27,822 18,104 16,042 8,796 Accidental Death2 Premium 3,310 2,157 1,912 1,046 Accidental Total and Permanent 2,412 1,571 1,391 764 Disability2 Premium Total Life Cover, (Tata AIA Life Insurance 19,93,710 23,45,040 24,19,650 26,81,820 Smart Sampoorna Raksha + Term Booster2) ~ Fund Value at 4% 4,54,997 15,70,109 19,56,559 58,72,101 ~ Fund Value at 8% 27,79,642 64,77,335 77,28,386 1,56,78,025 $$ Return of Rider Premiums 1,67,720 2,18,320 2,32,140 4,24,240 ~ Return on Maturity at 4% 6,22,717 17,88,429 21,88,699 62,96,341 ~ Return on Maturity at 8% 29,47,362 66,95,655 79,60,526 1,61,02,265 *Above Rider Premiums is without GST & Vitality Discount $$ Return of Total Rider Premiums Paid (excluding loading for modal premiums) towards the respective Benefit Option, less any claim amount already paid out under the respective Option and any premium discounts availed under the wellness program such as premium discounts or premium cashback. Select Fund is Whole Life Mid Cap Equity Fund3 : 100% Premium Allocation 3 Other fund options are also available under this plan. Maturity Benefit is inclusive of Loyalty Additions, 2X Refund of Mortality Charges, 2X Refund of Premium Allocation Charges, Cover Continuance Booster, if any, Rider Premium and exclusive of applicable taxes, cesses & levies. For benefit values net of applicable taxes, cesses & levies please refer to the Benefit Illustration. ~ Some Benefits are guaranteed and some Benefits are variable (non-guaranteed) with returns based on the future performance of the opted funds and fulfilment of other applicable Policy conditions. If your Policy offers guaranteed returns, then these will be clearly marked as "guaranteed" in the illustration table on this page. If your policy offers non-guaranteed returns, then illustration will show two different rates of assumed future investment returns. The above illustration has been determined using assumed future investment returns of 8% and 4% respectively. The rates used have been set by the Life Insurance Council. These assumed rates of return are not guaranteed and there are no upper and lower limits of what you might get back at Maturity, due to the fact that the value of your Policy is dependent on a number of factors including future investment performance.
Boundary Conditions
Maximum Entry Age:
Min / Max Entry 5 Pay - 52 years (age on last birthday) 10,12 & Regular Pay - 55 years
Base Cover: 85 years
Max Age at Maturity Term Booster2: 85 years (age on last birthday) Accidental Death2 and Accidental Total and Permanent Disability2 - 85 years
Policy term## 30 or 40 years, subject to max. age at maturity
Premium Payment 5/ 10/ 12 and Regular pay Term (PPT)##
Premium Mode Annual, Half yearly, Quarterly and Monthly
Minimum Maximum
Base (Life cover) Base (Life cover)
Sum Assured • For 5 pay – 9,00,000 • 1,00,00,000 • Other Premium Payment Term – 2,70,000 Term Booster2, • Term Booster2, Accidental Death2 and Accidental Death2 and Accidental Total and Accidental Total and Permanent Disability2 Permanent Disability2 • 1,00,00,000 - Same as base • Increase /Decrease in Basic Sum Assured - Not allowed • Rider Sum Assured cannot exceed the base Sum Assured
Disclaimers : Tata AIA Life Insurance Smart Sampoorna Raksha Plus solution comprises of Tata AIA Life Insurance Smart Sampoorna Raksha, A Unit-linked, Non-participating, Individual Life Insurance Plan for Savings and Protection (UIN: 110L156V03) and Tata AIA Vitality Protect Plus, A Non-linked, Non-participating, Individual Health Rider (UIN: 110A048V03). Tata AIA Smart Sampoorna Raksha Pro is also available individually for sale. # Tata 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) Please refer rider brochures for additional details on health and wellness benefits. 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 a medical advice or a substitute to a consultation/treatment by a professional medical practitioner. $ On enrolling into the wellness Program, you get an upfront discount of 5% on first year premium for Accidental Death, Accidental Total & Permanent Disability,and Accidental Disability Care Benefits and of 10% on first year premiums of the other benefit options. The rewards are offered on cumulative basis and in any year, the maximum rewards in view of both the upfront rewards and annual rewards flex together shall be 15% for Accidental Death, Accidental Total & Permanent Disability,and Accidental Disability Care Benefits and 30% for all other benefit options. Discount is driven by accumulated points which is achieved through wellness status. Please refer policy document for more details. 1On survival to the end of the policy term, the Total Fund Value including Top-Up Premium Fund Value valued at applicable NAV on the date of Maturity will be paid along with Return of Total Rider Premiums Paid (excluding loading for modal premiums) towards the respective Benefit Option, less any claim amount already paid out under the respective Option and any premium discounts availed under the wellness program such as premium discounts or premium cashback. • 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). • 2Term Booster(TB), Accidental Death (AD) and Accidental Total and Permanent Disability (ATPD) are benefit options available under Tata AIA Vitality Protect Plus • ^^All Premiums, Charges, and interest payable under the policy are exclusive of applicable taxes, duties, surcharge, cesses or levies which will be entirely borne/ paid by the Policyholder, in addition to the payment of such Premium, charges or interest. Tata AIA Life shall have the right to claim, deduct, adjust and recover the amount of any applicable tax or imposition, levied by any statutory or administrative body, from the benefits payable under the Policy. All investments made by the Company are subject to market risks. The Company does not guarantee any assured returns. The investment income and price may go down as well as up depending on several factors influencing the market. Please know the associated risks and the applicable charges, from your Insurance Agent or the Intermediary or Policy Document issued by the Insurance Company. Please make your own independent decision after consulting your financial or other professional advisor. The performance of the managed portfolios and funds is not guaranteed and the value may increase or decrease in accordance with the future experience of the managed portfolios and funds. The solution is underwritten by Tata AIA Life Insurance Company Limited. The solutions are not guaranteed issuance solutions 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 premium paid. Unit Linked Life Insurance products are different from traditional insurance products and are subject to risk factors. The fund is managed by Tata AIA Life Insurance Company Ltd. (hereinafter the “Company”). Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA Life Insurance Smart Sampoorna Raksha 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. 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. Premium paid in 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. Life insurance cover is available under the solution. ##For details on products, associated 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. For more details on benefits, premiums and exclusions under the Rider, please contact Tata AIA Life's Insurance Advisor/Intermediary/ branch. Health and Life insurance cover is available under the solution. • Market-linked returns are subject to market risks and terms & conditions of the product. The assumed rate of returns or illustrated amount may not be guaranteed and depends on market fluctuations. The underlying Fund's NAV will be affected by interest rates and the performance of the underlying stocks. 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 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. • L&C/Advt/2024/Jan/0197.
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 customercare@tataaia.com. Visit us at: www.tataaia.com.
BEWARE OF SPURIOUS PHONE CALLS IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving AND FICTITIOUS / FRAUDULENT OFFERS such phone calls are requested to lodge a police complaint
