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Term Insurance, Content Manager
Content Manager with heart, mind, and soul dedicated to creating impactful content that exceeds the market standard, delivers and reaches the readers conveniently. Besides producing high-ranking content, my focus lies in creating content that solves user queries and adds value.
Reviewed By: Anchita Bhattacharyya
15 min read
Sampoorna Raksha Promise by Tata AIA Life Insurance is a pure-term insurance plan that offers financial protection to your loved ones in case of your death. This plan allows you to opt for whole-life coverage (up to 100 years). You can choose from 4 plan options available with this plan. This plan comes with an inbuilt waiver of premium on diagnosis of terminal illness.
Tata AIA is one of the leading life insurance companies that offers multiple life insurance solutions including term plans, ULIPs, child plans, saving plans, etc.
Sampoorna Raksha Promise Plan offers you a range of benefits including:
Minimum age- 18 years, Maximum age- 65 years
Maximum maturity age- 100 years
Minimum term - 1 year Maximum term - 84 years
Base sum assured- Rs 25 lakhs to No limit
No policy loan is available under this plan.
Yearly, half-yearly, quarterly, and monthly
There are 4 plan options available with the Sampoorna Raksha Promise Plan:
Plan Options | Benefits |
Life Promise Option | Under this plan option, the policyholder chooses the sum assured at the start of the policy term. In case of the policyholder’s death during the policy tenure, death benefits are paid to the nominee. |
Life Promise Plus Option | Under this plan option, death benefits are paid in case of the policyholder’s death. If the policyholder survives the policy tenure, 100% of the premiums are paid back. |
Joint Life Promise Option | This plan option covers both the policyholder and the spouse under the same plan. In case of death of both individuals, the death benefits will be paid to the nominee. |
Joint Life Promise Plus Option | This plan option offers death benefits same as the above plan option. In case both the policyholder survives till maturity, 100% of the premiums are paid back. |
Let's understand how the Tata AIA Sampoorna Raksha Promis Term Plan works with a simple premium illustration.
Mr Shashank a 40-year-old salaried employee is looking for a term life plan that offers him flexibility to pay premiums along with an inbuilt terminal illness cover.
He scheduled an appointment with one of PolicyX’s insurance advisors. The advisor suggested Mr Shashank buy the Tata AIA Sampoorna Raksha Promise plan.
Upon careful consideration and the insurance expert’s advice, he bought Tata AIA Sampoorna Raksha Promise. Let’s understand how the plan works for him with a premium illustration table.
Age of policyholder | Annual premiums | Policy tenure | Premium payment term | Total premiums paid | Sum assured |
40 years | Rs 68,111 | 45 years | 10 years | Rs 4,08,666 | Rs 1 crore |
Key Takeaways: (i) In the 7th policy year he gets diagnosed with terminal illness. The insurance company paid him Rs 50 lakhs (50% of the sum assured).
(ii) The coverage continues for Rs 50 lakhs (rest of the sum assured) till the policy term.
Here are the benefits associated with the Tata AIA Sampoorna Raksha Promise
Sampoorna Raksha Promise offers death benefits in case of the policyholder’s death during the policy tenure. Your nominee can fulfill their financial responsibilities with the benefits they have received.
This plan offers policyholders to choose from 4 plan options- Life Promise Option, Life Promise Plus Option, Joint Life Promise Option, and Joint Life Promise Plus Option.
Sampoorna Raksha Promise offers maturity benefits under two plan options- Life Promise Plus and Joint Life Promise Plus. In case both the policyholder and the spouse survive the policy term, maturity benefits are paid.
The payout option determines how your family will receive death benefits. This plan offers flexible death benefit payout including lump sum, monthly income, or a combination of both.
You can choose from the following riders with your Tata AIA Sampoorna Raksha Promise Plan:
Under this rider, benefits are offered in case of diagnosis/death due to terminal illness, accidental death, or accidental total/permanent disability.
This health rider pays benefits on certain conditions including accidental permanent/partial disability, critical illness, cancer, cardiac conditions, etc.
This rider provides coverage against various risks including accidental death, accidental disability, cancer or cardiac conditions, etc.
Under this health rider, benefits are paid in case of hospitalization or ICU admission, cancer, heart-related diseases, minor injuries, or major diseases.
In case of the policyholder’s demise after completion of a 3-year waiting period, the death benefit of Rs 3 lakhs will be paid from the sum assured within 24 hours of death.
In case of one of the policyholder’s deaths under the joint life option, the surviving partner may continue the policy by paying a single premium.
This option allows the policyholders to increase their coverage amount in various circumstances including marriage, home loan, childbirth, etc.
Sampoorna Raksha Promise offers multiple premium payment options including single premium, yearly,
half-yearly, quarterly, monthly, etc.
Here is the list of exclusions associated with the plan:
No claims shall be paid in case of the policyholder’s death due to suicide within one year of policy purchase.
Tata AIA Sampoorna Raksha Promise is a customizable term life insurance plan that allows you to choose from 4 different plan options as per your suitability. This is one of the flagship products offered by Tata AIA that offers comprehensive coverage and financial protection to your loved ones.
If you are still confused about whether this plan is an ideal choice or not, you can book an appointment with us at PolicyX.com. One of our experts will help you choose the right term insurance plan. We offer No Spam, No Gimmicks, and Only Expert Insurance Advice.
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Sampoorna Raksha Promise is a flagship term plan by Tata AIA Life Insurance that offers financial protection to your loved ones in your absence.
Yes, Sampoorna Raksha Promise offers tax benefits up to Rs 1.5 lakhs under Section 80 (C) and Section 10 (10D) of the Income Tax Act, 1961.
The flexi pay benefit in the Sampoorna Raksha Promise Plan can be exercised in case of emergency situations. This option allows to delay premium payments for up to 12 months.
Yes, you can avail of additional riders with your Tata AIA Sampoorna Raksha Promise Plan.
Sampoorna Raksha Promise offers the policyholders to choose from four plan options including Life Promise, Life Promise Plus, Joint Life Promise, and Joint Life Promise Plus.
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Himanshu is a seasoned content writer specializing in keeping readers engaged with the insurance industry, term and life insurance developments, etc. With an experience of 2 years in insurance and HR tech, Himanshu simplifies the insurance information and it is completely visible in his content pieces. He believes in making the content understandable to any common man.
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February 5, 2023
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