Tata AIA Sampoorna Raksha Promise: Benefits, Features, Eligibility & Policy Details 2026
Tata AIA Sampoorna Raksha Promise:Tata AIA Sampoorna Raksha Promise 2026: Check policy benefits, 4 plan options, life cover, terminal illness benefit, premium payment modes, FlexiPay, riders and key terms.
Tata AIA Sampoorna Raksha Promise is a non-linked, non-participating, pure risk individual life insurance product designed to provide long-term financial protection to families. The plan offers multiple life cover options, flexible premium payment choices, joint life protection, terminal illness benefits, flexible death benefit payouts and several cover enhancement features.
This article provides an overview of the key features, policy options, eligibility conditions, benefits and important terms of Tata AIA Sampoorna Raksha Promise based on the product information provided by Tata AIA Life Insurance Company Limited.
Important: This is an informational summary and not a substitute for the official policy document, benefit illustration or terms and conditions issued by Tata AIA Life Insurance Company Limited.
About Tata AIA Life Insurance
Tata AIA Life Insurance Company Limited is a joint venture between Tata Sons and AIA Group Limited. Tata Sons holds a majority stake in the company, while AIA holds the remaining stake.
Tata AIA Life Insurance was licensed to operate in India on February 12, 2001, and commenced operations on April 1, 2001.
The company is registered with IRDAI under Registration No. 110.
What is Tata AIA Sampoorna Raksha Promise?
Tata AIA Sampoorna Raksha Promise is a non-linked, non-participating, pure risk individual life insurance product. It is primarily designed to provide financial protection to the policyholder’s family in the event of death during the policy term.
Depending on the option selected, the policy can also provide benefits such as:
- Long-term life cover
- Whole-of-life cover availability
- Terminal illness benefit
- Flexible death benefit payout
- Joint life protection
- Cover enhancement through Life Stage and Top-Up options
- Premium deferment through FlexiPay
- Renewability option at maturity
- Family Plan option
- Health management services
- Optional riders
Key Highlights of Tata AIA Sampoorna Raksha Promise
The major features of the plan include:
- Four different benefit options
- Whole-of-life cover availability
- 50% of Base Sum Assured as accelerated benefit on eligible terminal illness claim
- Inbuilt premium waiver associated with the terminal illness benefit
- Special first-year premium discounts for eligible customers
- Additional discounts for certain eligible life events
- Joint Life option for covering spouses
- Choice of lump-sum and/or staggered death benefit payout
- FlexiPay feature allowing eligible policyholders to defer premiums for up to 12 months
- Instant payout facility for eligible policies
- Female-life premium discount as specified by the product
- Multiple optional riders
- Life Stage and Top-Up Sum Assured options
- Family Plan option for eligible customers
Four Benefit Options
The policy provides four major benefit options.
1. Life Promise
Under the Life Promise option, the policyholder selects the Base Sum Assured at the time of purchasing the policy.
If the life assured dies during the policy term, the applicable death benefit is paid to the nominee according to the selected payout plan.
If the life assured survives until maturity, no additional maturity benefit is payable under this option.
The option also includes the applicable terminal illness accelerated benefit, subject to the policy terms and conditions.
2. Life Promise Plus
The Life Promise Plus option provides death protection similar to Life Promise.
The major additional feature is the maturity benefit. If the life assured survives until maturity and all applicable conditions are satisfied, the plan provides a maturity amount linked to 100% of the total premiums paid towards the eligible base benefit and applicable cover enhancement options, excluding specified loadings, discounts and other amounts as stated in the policy terms.
3. Joint Life Promise
The Joint Life Promise option allows the life assured and spouse to be covered under the same policy.
In the event of the first death of either insured person, or simultaneous death as specified in the policy terms, the applicable death benefit is payable to the nominee.
The option also provides an accelerated benefit for an eligible terminal illness claim of either life assured.
If the insured lives survive until maturity, no additional maturity benefit is payable under this option.
4. Joint Life Promise Plus
This option combines joint life protection with a maturity benefit.
If both lives assured survive until maturity, the policy can provide an amount equal to 100% of the eligible total premiums paid, subject to the conditions specified in the policy.
Policy Parameters
The product provides different policy and premium payment options depending on the selected benefit option. Parameter Key Details Product Type Non-linked, non-participating, pure risk individual life insurance Minimum Basic Sum Assured ₹25 lakh Maximum Basic Sum Assured No stated limit, subject to underwriting Premium Modes Single, Annual, Half-Yearly, Quarterly and Monthly Benefit Options Life Promise, Life Promise Plus, Joint Life Promise, Joint Life Promise Plus Joint Life Available under specified options Policy Extension Renewability available subject to conditions Loan Not available under the plan Free Look Period Up to 30 days, subject to applicable terms
The maximum Sum Assured remains subject to Tata AIA’s Board Approved Underwriting Policy (BAUP).
Premium Payment Options
Policyholders can select from different premium payment modes depending on the selected plan and premium payment term.
Available modes include:
- Single Pay
- Regular Pay
- Limited Pay
- Annual payment
- Half-yearly payment
- Quarterly payment
- Monthly payment
Premiums vary depending on factors such as age, policy term, benefit option, premium payment term, Sum Assured, underwriting assessment and other applicable factors.
Death Benefit
For an in-force policy, the death benefit is calculated according to the applicable formula specified in the policy.
For Life Promise and Life Promise Plus, the death benefit is generally determined as the highest of the applicable:
- Premium-based calculation or prescribed death benefit multiple;
- 105% of total premiums paid, subject to the policy terms; or
- Absolute amount assured on death, based on the applicable Effective Sum Assured.
For Joint Life Promise and Joint Life Promise Plus, the corresponding death benefit calculation applies to the joint life structure.
The exact death benefit should always be verified from the policy contract and benefit illustration.
Terminal Illness Benefit
One of the important features of the plan is the Payor Accelerator Benefit.
Subject to the product terms, an amount equal to 50% of the Base Sum Assured may be paid as a lump sum following acceptance of an eligible terminal illness claim.
Future premiums may also be waived as specified in the policy terms, while the remaining eligible life cover continues.
The benefit is subject to applicable conditions, waiting requirements and underwriting terms.
Flexible Payout Option
The policyholder can choose how the death benefit is paid.
The available structure can include:
- Lump-sum payout
- Staggered income payout
- Combination of lump sum and staggered payout
For staggered payouts, the nominee may receive payments monthly, quarterly, half-yearly or annually for the selected benefit period, subject to the applicable terms.
The plan also provides options for level income or increasing income, depending on the payout structure selected.
Life Stage Option
The Life Stage feature allows eligible policyholders to increase their life cover following specified life events.
Examples include: Life Event Additional Sum Assured Marriage 50% of Base SA Birth/Adoption of First Child 25% of Base SA Birth/Adoption of Second Child 25% of Base SA Home Loan Disbursal Up to 100%, subject to conditions
The option must generally be exercised within the specified period after the qualifying event and remains subject to underwriting requirements.
Top-Up Sum Assured Option
The Top-Up Sum Assured option allows eligible policyholders to increase their life cover at specified policy anniversaries.
The increase can range from 5% to 20% of the Base Sum Assured per year, subject to applicable eligibility and underwriting conditions.
Important points include:
- The option needs to be selected at inception.
- The premium payment term must satisfy the specified minimum condition.
- Additional premiums apply for increased cover.
- The option cannot be changed once selected, although future increases may be stopped subject to the terms.
- The feature is not available for policies purchased under the applicable Point of Sale (PoS) variant.
Joint Life Cover
Under the Joint Life options, the policy can cover two lives, generally the primary life assured and spouse.
If the first death occurs during the policy term, the applicable death benefit is paid according to the policy terms.
The surviving life may also have an option to continue coverage through the Cover Continuation Option, subject to the conditions applicable to the product.
FlexiPay Benefit
The FlexiPay Benefit provides eligible policyholders with an option to defer premium payments for up to 12 months while maintaining applicable risk cover.
Key conditions include:
- Available for eligible Regular Pay and Limited Pay policies.
- Not available for Single Pay.
- Generally available after payment of five full years’ premiums.
- A premium deferment can cover up to 12 consecutive policy months.
- A specified gap is required before another deferment can be exercised.
- Deferred premiums must subsequently be paid according to the policy terms.
Failure to pay outstanding premiums within the applicable period may result in lapse or other consequences under the policy.
Instant Payout on Claim Intimation
For eligible policies meeting the specified conditions, Tata AIA provides an accelerated ₹3 lakh instant payout from the Sum Assured after eligible death claim intimation.
According to the provided product information, this facility:
- Applies only to eligible policies with a minimum Sum Assured of ₹1 crore.
- Is not payable for deaths during the first three policy years.
- Is subject to the policy being in force.
- Requires specified claim documents.
- Does not represent final acceptance of the claim.
The balance claim amount is paid after completion of the applicable claim assessment and investigation.
Family Plan Option
The Family Plan Option is designed to provide a legacy transfer feature.
Subject to eligibility and additional premium, the policyholder may have the option to transfer the applicable Legacy Sum Assured to a child after the primary life survives the specified policy term.
The secondary life can then receive coverage for the extended period specified under the plan.
Important eligibility conditions, including the minimum age gap and other policy requirements, apply.
Renewability at Maturity
Eligible policyholders may have the option to extend the policy term at maturity.
The renewability option can be exercised up to the specified maximum number of times, subject to:
- Applicable underwriting conditions
- Selected benefit option
- Regular Pay requirement
- No applicable claim having been made
- Other product conditions
Additional premium is payable for the extended coverage period.
Super Retirement Benefit
The plan also provides an optional Super Retirement Benefit for eligible policyholders.
Under this feature, an eligible policyholder can receive a specified percentage of total premiums paid from the applicable eligibility window beginning from the 30th policy year or attainment of age 70, whichever is earlier, subject to product conditions.
The benefit percentage depends on factors such as entry age, premium payment term and policy term.
The option is subject to eligibility conditions and is available only with specified benefit options.
Surrender Benefit
Surrender benefits vary depending on the selected benefit option.
Under Life Promise and Joint Life Promise, an applicable Unexpired Risk Premium Value may be payable in specified circumstances.
Under Life Promise Plus and Joint Life Promise Plus, the surrender value is generally the higher of:
- Guaranteed Surrender Value (GSV), or
- Special Surrender Value (SSV)
The actual surrender value depends on the policy duration, premiums paid, Sum Assured and applicable product rules.
Early surrender or termination can result in receiving less than the total premiums paid.
Reduced Paid-Up Benefit
For eligible Life Promise Plus and Joint Life Promise Plus policies, discontinuation of premiums after the required premium payment period may result in the policy continuing in Reduced Paid-Up status rather than immediately ending.
The reduced paid-up Sum Assured is calculated using the applicable formula:
Reduced Paid-Up Sum Assured = Reduced Paid-Up Factor × Base Sum Assured
The Reduced Paid-Up Factor depends on the number of premiums paid compared with the number of premiums payable.
Grace Period
The plan provides a grace period after the premium due date. Premium Mode Grace Period Monthly 15 days Other modes 30 days
The policy remains in force during the applicable grace period subject to the policy conditions.
Revival of Policy
A discontinued policy may generally be revived within five years from the due date of the first unpaid premium, subject to Tata AIA’s applicable conditions.
Revival may require:
- Written application
- Current health information or evidence of insurability
- Payment of outstanding premiums
- Applicable interest
- Approval under the company’s underwriting policy
The precise revival conditions should be checked in the policy document.
Free Look Period
If the policyholder is not satisfied with the policy terms, the policy can generally be cancelled during the 30-day free look period, subject to applicable conditions and deductions.
The refund may be adjusted for applicable risk premium, stamp duty, medical examination expenses and taxes or other permitted deductions.
Optional Riders
The product can be combined with eligible riders, subject to the applicable terms and conditions.
The provided product information lists riders such as:
- Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider
- Tata AIA Life Insurance Non-Linked Comprehensive Health Rider
- Tata AIA Vitality Protect
- Tata AIA Vitality Health
Riders generally involve additional premiums and have separate terms, exclusions and eligibility requirements.
Health Management Services
Eligible policyholders may receive access to complimentary health management services through associated service providers.
These services may include areas such as:
- Medical consultation
- Health coaching
- Second opinion
- Personal medical case management
- Prevention and recovery support
Availability depends on eligibility, service providers and the terms applicable at the time of using the service.
Premium Discounts
The product information mentions different types of discounts that may be available to eligible customers, including:
- Salaried customer discount
- Staff discount
- Existing customer discount
- Specific event discount
Discount eligibility and the applicable amount depend on Tata AIA’s product rules and underwriting conditions.
Tax Benefits
Tax benefits may be available under prevailing Indian income-tax laws, subject to applicable conditions.
Since tax rules can change, policyholders should verify the current provisions and consult a qualified tax professional where necessary.
Important Points Before Buying
Before purchasing Tata AIA Sampoorna Raksha Promise, customers should carefully consider:
- Their required life cover
- Policy term
- Premium payment term
- Selected benefit option
- Premium affordability
- Whether individual or joint life cover is required
- Need for additional riders
- Maturity benefit requirements
- Surrender and discontinuation conditions
- Applicable exclusions
- Underwriting requirements
- Terms of the official policy contract
Life insurance is a long-term financial commitment, and terminating a policy early can result in financial loss or a surrender value lower than the premiums paid.
Who May Consider This Plan?
The plan may be considered by individuals looking for long-term life protection and families seeking financial security against the loss of an earning member.
The availability and suitability of each feature depend on age, health, income, underwriting, policy option and other conditions.
Tata AIA Sampoorna Raksha Promise – Quick Summary
Feature Details Product Tata AIA Sampoorna Raksha Promise Product Type Non-linked, non-participating, pure risk life insurance Minimum Basic Sum Assured ₹25 lakh Benefit Options 4 Joint Life Option Available Premium Modes Single/Annual/Half-Yearly/Quarterly/Monthly Terminal Illness Benefit Available subject to conditions Flexible Payout Lump sum/Staggered/Combination Life Stage Available subject to conditions Top-Up SA Available subject to conditions FlexiPay Up to 12 months, subject to conditions Family Plan Available subject to eligibility Renewability Available under specified conditions Health Services Available to eligible customers Policy Loan Not available
Final Words
Tata AIA Sampoorna Raksha Promise offers a range of life protection options designed to meet different financial protection requirements. Its key features include multiple benefit options, joint life coverage, terminal illness protection, flexible payout choices, Life Stage and Top-Up options, FlexiPay, Family Plan and optional riders.
However, the right insurance plan depends on an individual’s financial responsibilities, required life cover, affordability, policy duration and long-term goals.
Before purchasing the policy, customers should read the official policy contract, benefit illustration, exclusions and applicable terms and conditions carefully and seek professional advice if required.
Tata AIA Life Insurance Company Limited
IRDAI Registration No.: 110
CIN: U66010MH2000PLC128403
Product UIN mentioned in the provided brochure: 110N176V05
Disclaimer: This article is prepared for general informational and educational purposes based on the product information supplied. It does not constitute financial, investment, tax or insurance advice. Insurance products are subject to underwriting, terms, conditions, exclusions and applicable regulations. Please refer to the latest official Tata AIA policy documents and benefit illustration before making any decision.
Frequently Asked Questions (FAQ)
What is Tata AIA Sampoorna Raksha Promise?
Tata AIA Sampoorna Raksha Promise is a non-linked, non-participating, pure risk individual life insurance product designed to provide financial protection to the policyholder and their family.
What is the minimum Basic Sum Assured?
The minimum Basic Sum Assured mentioned in the product information is ₹25 lakh, while the maximum is subject to Tata AIA’s Board Approved Underwriting Policy.
How many benefit options are available?
There are four main options: Life Promise, Life Promise Plus, Joint Life Promise and Joint Life Promise Plus.
Does the plan offer joint life insurance?
Yes. Joint Life Promise and Joint Life Promise Plus are designed to cover two eligible lives under the same policy, subject to the applicable conditions.
Does the policy provide a maturity benefit?
Life Promise and Joint Life Promise do not provide an additional maturity benefit. Life Promise Plus and Joint Life Promise Plus provide a maturity benefit based on eligible total premiums paid, subject to the policy terms.
What is the FlexiPay Benefit?
FlexiPay allows eligible policyholders to defer premium payments for up to 12 months, while maintaining applicable risk cover, subject to the conditions of the policy.
Can the life cover be increased?
Yes. Eligible policyholders may increase their cover through features such as the Life Stage Option and Top-Up Sum Assured Option, subject to underwriting and other conditions.
Is a policy loan available?
No. According to the provided product information, policy loan is not available under this plan.
Are riders available?
Yes. Eligible riders can be attached to the base product by paying additional premiums. Each rider has its own terms, conditions and exclusions.
What is the free look period?
The provided brochure states a 30-day free look period, subject to applicable conditions and permitted deductions.
Is Tata AIA Sampoorna Raksha Promise suitable for everyone?
Not necessarily. The suitability of a life insurance product depends on an individual’s financial responsibilities, required coverage, affordability, age, health, policy term and other factors. Customers should review the official policy documents and benefit illustration before purchasing.
| Document | Download / View |
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| Policy Document – Sampoorna Raksha Promise | 📄 View PDF |
| Customer Information Sheet (CIS) | 📄 View PDF |
| Withdrawn Products | 🔗 View Details |
