A Review Of Tata AIA Life Smart Sampoorna Raksha Plan

“When you come to buy life insurance from policy bazaar, you get a variety of plans available. I chose my Tata AIA life insurance, after gaining advice from the experts here. So grateful to the team. Thank you policy bazaar team.” – Nijasure, Faridabad

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Nijasure, who lives in Faridabad, made a smart choice by buying the term plan from TATA AIA Life Insurance to ensure the well-being of his loved ones in unforeseen events. Among all term plans of TATA AIA Life Insurance, the TATA AIA Smart Sampoorna Raksha Plan provides comprehensive protection as well as wealth creation opportunities, so that the policyholder can ensure financial security of his/her family while saving for the future.

Let’s understand the various features and benefits of the Tata AIA Sampoorna Raksha review.

Note: Know more about what is term insurance first before reading this article.

Why Should You Consider Buying TATA AIA Life Insurance?

TATA AIA Life Insurance is known for its flexible plans that can be customized to match the life goals of policyholders.

Below are some reasons why you can consider buying the TATA AIA Life Insurance:

This term life insurance plan provides a comprehensive life cover that ensures financial security for you and your loved ones in unexpected situations like critical illnesses, disability, or loss of life.
This life insurance plan provides maturity benefits in case you outlive your policy term.
You will also enjoy surrender benefits and zero lapse value.
If the policyholder suffers an untimely death within the first 90 days from the start of the coverage, all the premiums paid will be given back to the nominee, and the policy will terminate immediately.

Term Plans

₹1
Crore

Life Cover

@ Starting from ₹ 13/day⁺

₹50
LAKH

Life Cover

@ Starting from ₹ 8/day⁺

₹75
LAKH

Life Cover

@ Starting from ₹ 12/day⁺

Which Is The Best TATA AIA Life Insurance Plan?

The TATA AIA Smart Sampoorna Raksha plan is a comprehensive term insurance plan that helps the family to meet long term goals, like higher education for the child, retirement planning for spouse, and wealth creation for the family's future, in the policyholder's absence. It offers life cover with investment growth that makes sure a high level of protection and increased financial benefits over time. It combines protection and savings to safeguard your life goals with an appropriate life cover.

What Are The Key Benefits Of TATA AIA Smart Sampoorna Raksha Plan?

Below listed are the key benefits of the Tata AIA Smart Sampoorna Raksha review:

Provides a death benefit to secure your family's life goals if you suffer an untimely death during the policy term.
The Tata AIA Smart Sampoorna Raksha review offers both unit-linked and non-participating options.
Choose from 11 funds based on your risk preference, spanning fixed income to equity-oriented.
Receive a return of twice the mortality charges starting in the 11th year and premium allocation charges in the 10th, 11th, and 12th years.
Select from the flexible premium payment options of 5, 10, or 12 years.
Eligible for tax benefits as per Income Tax Laws.

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What is the Eligibility Criteria to Buy the TATA AIA Smart Sampoorna Raksha Plan?

The eligibility criteria for buying the Tata AIA Life Insurance Smart Sampoorna Raksha review are mentioned below:

Parameters	Minimum	Maximum
Entry Age	18 years	60 years
Maturity Age	100 years
Policy Term	5 years	47 years
Sum Assured	10 times of Annualised Premium

Wrapping It Up!

Nijasure made a good choice by purchasing the TATA AIA Smart Sampoorna Raksha Plan. It will help him protect his loved ones from future financial burden as well as save corpus for a secured future. Together with this plan, he has also received different options for the death benefit and coverage for his whole life (till 100 years of age), which makes him and his family ready for bigger risks in the future.

Note: Check out the best term insurance plan in India and choose one that suits your requirements.

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What is Term Life Insurance

FAQs

Q: Can I buy a policy from TATA AIA Life Insurance from Policybazaar?

Ans: Yes, you can easily buy the TATA AIA Life Insurance from the Life Insurance page of Policybazaar and get extra discounts and assistance.
Q: Can the coverage of the TATA AIA Smart Sampoorna Raksha Plan last for the entire life?

Ans: Yes, in the TATA AIA Smart Sampoorna Raksha Plan, there is an option for coverage until the policyholder reaches 100 years of age.
Q: Is Tata AIA smart sampoorna raksha plan good for long term?

Ans: Yes, Tata AIA Sampoorna Raksha review says that the plan is good for long term as it offers financial protection, option of unit-linked and non-participating plans, choice of 11 funds, return of twice the mortality charges, and various premium payment options.
Q: What is the maximum sum assured of the TATA AIA Smart Sampoorna Raksha Plan?

Ans: The maximum sum assured of the TATA AIA Smart Sampoorna Raksha Plan is 10 times of Annualised Premium.
Q: What is the minimum entry age for the TATA AIA Life Insurance?

Ans: The minimum entry age for the TATA AIA Life Insurance is 18 years.

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˜The insurers/plans mentioned are arranged in order of highest to lowest Sum Assured(SA) offered by Policybazaar’s insurer partners offering term insurance plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI.

Policybazaar 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

Rs. 400/month is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 400/month (Rs.13/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 230 is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 8/day is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 12/day is starting price for a 75 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 497/month is starting price for a 1.5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 487/month is starting price for a 2 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 626/month is starting price for a 3 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 905/month is starting price for a 5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. ₹361/month is the starting price for a ₹1 crore loan cover with an 8% interest rate for an 18-year-old male, non-smoker, with no pre-existing diseases, loan tenure up to 20 years, rounded off to the nearest 10

+Rs. 1,267/month is starting price for a 7 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

*The full refund of premium is available on availing the one-time option of refund of premium. Total premium paid for policy (paid for add-ons) will be the special exit value, payable on availing the one-time option of refund of premium if you wish to completely exit the policy.

+Rs. 447/month is starting price for a 1 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs.679/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 910/month is starting price for a 3 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,374/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,924month is starting price for a 7 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

Women

+Rs. 400/month is Starting price for a 1 crore term life insurance for an 18 year-old Female, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 461/month is the starting price for a 1 crore term life insurance for an 24 year-old female, non-smoker, with no pre-existing diseases, cover upto 54 years of age.

1,642/month is the starting price for a 1 crore term life insurance for an 44 year-old female, non-smoker, with no pre-existing diseases, cover upto 74 years of age.

Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited

We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881

For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale

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