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In all Unit Linked Insurance Plans (ULIPs), the investment risk in the portfolio is entirely borne by the policyholder. Returns are market-linked and not guaranteed. Past fund performance does not guarantee future results.
Tata AIA Life Insurance Smart Sampoorna Raksha Flexi
Tata AIA Life Insurance Smart Sampoorna Raksha Flexi is a comprehensive financial plan that combines life insurance protection (Tata AIA Smart Sampoorna Raksha Pro) with market-linked investment opportunities and a wellness program (Tata AIA Vitality Protect Plus). It offers a holistic approach to financial security and well-being.
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- Tata AIA Life Insurance Smart Sampoorna Raksha Flexi
What is Tata AIA Life Insurance Smart Sampoorna Raksha Flexi?
Tata AIA Life Insurance Smart Sampoorna Raksha Flexi is a ULIP plan that combines life insurance protection with market-linked investment opportunities and a wellness program. It consists of two key components: Tata AIA Smart Sampoorna Raksha Pro, a non-participating, individual life insurance plan (UIN: 110L172V02), and Tata AIA Vitality Protect Plus, a non-linked, non-participating, individual health rider (UIN: 110A048V03). This plan is designed to provide holistic financial security, wealth creation, and incentives for a healthy lifestyle. Notably, Tata AIA Smart Sampoorna Raksha Pro is also available as a standalone product.
Features of Tata AIA Life Insurance Smart Sampoorna Raksha Flexi
Below are the features of Tata AIA Life Insurance Smart Sampoorna Raksha Flexi:
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Personalized Plan:
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This Tata ULIP plan offers flexibility to tailor coverage based on individual priorities, encompassing both investment and insurance needs.
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Investment Options:
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Access to funds rated 4 or 5 stars by Morningstar, allowing for informed investment decisions.
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Ability to track fund performance and adjust portfolio as needed.
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Life Insurance Coverage:
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Provides whole life cover up to 100 years, ensuring long-term financial security.
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Terminal Illness cover with Term Booster.
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Death Benefit Payout.
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Rider Flexibility:
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Options include accidental death and accidental total & permanent disability coverage.
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Terminal illness benefit, with or without accidental death and disability coverage.
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Return of Premium Rider.
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Wellness Program:
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Enrollment in the Tata AIA Vitality Wellness Program, offering up to 30% discount on first-year rider premiums.
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Up to 10% upfront discount on first year rider premiums.
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Financial Flexibility:
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Option to get Income Pay-outs.
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Multiple Fund Options.
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Top-Up Sum Assured.
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Income Term and Payment Flexibility.
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Lower Premium Rates:
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Offers lower premium rates for women.
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Latest ULIP NAVs
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Eligibility Criteria of Tata AIA Life Insurance Smart Sampoorna Raksha Flexi
| Parameters | Criteria |
| Minimum Entry Age | 18 Years |
| Maximum Entry Age | 65 Years |
| Maximum Age at Maturity | Base Cover: 100 years Term Booster: 100 years Accidental Death Benefit (ADB), Accidental Total and Permanent Disability Benefit (ATPD) - 85 years |
| Policy term | 20 to 82 years, subject to maximum Age at Maturity |
| Premium Payment Term (Years) | Min: 5 years for Limited Pay, 20 years for Regular Pay Max: Subject to Max. age of 85 years |
| Premium Mode | Annual, Half yearly, Quarterly and Monthly Mode |
Benefits of Tata AIA Life Insurance Smart Sampoorna Raksha Flexi
Below are the benefits of Tata AIA Life Insurance Smart Sampoorna Raksha Flexi:
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Financial Protection:
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Provides life insurance coverage to safeguard loved ones against unforeseen events, including death, disability, and terminal illness.
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Additional life cover equal to base sum assured and 2x benefit in case of death/disability due to accident in public transport.
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Wealth Creation:
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Enables wealth growth through investment in market-linked funds, with access to top-rated funds.
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Maturity Benefits.
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Health and Wellness Incentives:
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Motivates a healthy lifestyle through the Tata AIA Vitality Wellness Program, offering discounts and rewards for achieving health goals.
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Tax Benefits:
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Offers income tax benefits as per applicable income tax laws.
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Comprehensive Coverage:
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Provides a combination of life cover, investment growth, and health rider benefits in a single plan.
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Lump-sum payment on diagnosis of a terminal illness.
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How to Calculate Returns on Tata AIA Life Insurance Smart Sampoorna Raksha Flexi ULIP Plan?
Policyholders can use a ULIP plan calculator to determine the returns on their ULIP investments. This digital tool provides an estimate of potential investment growth within a Unit Linked Insurance Plan (ULIP) and, much like how selecting the best SIP plan requires aligning investments with goals, it helps users match their inputs with long-term objectives. By offering a transparent projection of returns, it aids in financial planning and informed decision-making. Users can modify inputs such as premium amount and policy duration to evaluate different scenarios and enhance their investment strategy.
FAQs
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What are the key components of this plan?
The plan comprises Tata AIA Smart Sampoorna Raksha Pro (a non-participating, individual life insurance plan) and Tata AIA Vitality Protect Plus (a non-linked, non-participating, individual health rider). -
Is Tata AIA Smart Sampoorna Raksha Pro available as a standalone plan?
Yes, Tata AIA Smart Sampoorna Raksha Pro can be purchased individually. -
What investment options are available in this plan?
The plan offers access to market-linked funds, including those rated 4 or 5 stars by Morningstar. You can also track fund performance and adjust your portfolio as needed.
Insurers Offering ULIPs
Disclaimer: Policybazaar Insurance Brokers Private Limited does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar Insurance Brokers Private Limited does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ