How does my nominee claim the death benefit?

To claim the death benefit, the nominee must notify Tata AIA Life Insurance in writing within 90 days of the death of the life assured. The following documents are generally required - Claimant Statement, Original Policy Document, Death Certificate issued by a local municipal authority, Photo ID and Address Proof of the claimant, Cancelled cheque or bank passbook copy, Proof of legal title (if no nominee is mentioned).

How much coverage should I get?

A good rule of thumb is to have coverage that is 10-15 times your annual income, but the exact amount depends on factors like debts, living expenses, and future financial goals.

Can I increase my coverage later?

Yes, coverage can be increased later through Life Stage (on marriage, childbirth, home loan) and Top-Up Sum Assured options, allowing annual or event-based increments, subject to conditions and underwriting.

Health Insurance

Term Insurance

Blogs

Claims

Tools

Partner with us

Health Insurance
- Explore Insurers
- Explore Insurance Plans
- Explore Insurance Types
Term Insurance
- Explore Insurers
Blogs
Claims
- Claim Stories
- Explore Insurers
Tools
- Explore Calculators

Partner with us

OneAssure

Term Insurance

Tata AIA Sampoorna Raksha Promise

Compare Sampoorna Raksha Promise benefits, exclusions, ratings and related variants in one place.

1.75

Solvency

99.41%

ICR

25.4%

Growth

75,930.31

AUM

Policy Policy Brochure

Policy Policy Wording

Get your term insurance quote

Gender

Date of Birth

Coverage amount

Annual income

Education level

Your occupation

Current Location

Smoker / Non Smoker

Yes

Our Verdict

Tata AIA Sampoorna Raksha Promise Review: Our Verdict

Final Verdict

Tata AIA Sampoorna Raksha Promise offers strong life cover with flexible payout options and critical illness add-ons. Ideal for salaried individuals or parents seeking income protection and future financial security.

About

What Is Tata AIA Sampoorna Raksha Promise?

Tata AIA Sampoorna Raksha Promise is a robust term life insurance plan offering whole-life coverage up to age 100, with a return-of-premium option (Life Promise Plus). It delivers a high death benefit, ₹3 lakh instant payout on claim intimation (post–3-year waiting period), 50% of the sum assured on terminal illness diagnosis, waiver of future premiums, and flexibility to defer premium payments up to 12 months. Additional protection is available via optional riders, life-stage cover boosts, and top-ups. With 15% discount for women plus digital and salaried buyer discounts, the plan also offers tax benefits under Sections 80C, 80D, and 10(10D).

About Company

About Tata AIA Life Insurance Co. Ltd

Tata AIA Life Insurance Company Limited is a leading life insurance provider in India, established in 2001 as a joint venture between Tata Sons Pvt. Ltd. and AIA Group Ltd. This partnership merges Tata's renowned leadership and trust in India with AIA's extensive experience across 18 markets in the Asia-Pacific region. The company is headquartered in Mumbai, India. A wide variety of products are available from Tata AIA Life Insurance to accommodate different protection requirements and financial objectives. Their portfolio consists of Unit Linked Insurance Plans (ULIPs) that give market-linked returns, savings plans that combine wealth growth and life insurance, and term insurance for family stability. Additionally, they offer retirement plans including annuities and pensions for post-retirement income as well as health insurance to cover medical costs. Every plan offers different policy terms, variable premium alternatives, and extra riders for increased coverage, guaranteeing customised solutions for each policyholder's particular requirements.

Ratings

Tata AIA Sampoorna Raksha Promise Rating

Insurer Rating

7.79

out of 10

Insurance Rating

10

out of 10

Layer 1

Lump Sum + Income Option

Yes

Waiver of Premium Rider

Yes

Online Purchase Available

Yes

Layer 2

Claim Process Simplicity

5/5

Premium Competitive

5/5

Claim Process Simplicity

5/5

Testimonials

Tata AIA Life Insurance Co. Ltd Customer Testimonials

Customer feedback and experiences.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.

Shreya Goyal

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family…always been available to assist with any insurance/claim queries.

Nakul N

Had a great experience with OneAssure during my insurance claim process. A special shoutout to Sunad Raj for his exceptional support, he was professional, responsive, and guided me every step of the way. Thanks to his consistent follow-ups and clear guidance, the entire claim settlement was smooth and hassle-free. Highly recommend OneAssure for their service and transparency!

Sanjay Dakalia

The team is very professional and prompt. I would have all my health and life insurance needs met through them.

Harish Jindal

Very professional service from Ruchir & Aman. They were recommended by a friend who had a positive experience with them. I have taken both health and life policies through them and they have advised me well throughout the process and found the best options available in the market. I had a medical condition due to which it was difficult to find a suitable health policy in the market, however this team was able to find one for me. I would recommend their services to anyone looking to buy health or life insurance.

Siddhartha Saha

Wonderful experience with Prost. Right from suggesting the insurance products to claim process the entire experience hai been seamless. They do not mis-sell and are very transparent. Sundar Raj from the team has been wonderful and ensured prompt guidance. All the best Ruchir and keep up the good work!

Adarsh Ravindranathan

swipe

Inclusions and Exclusions

Tata AIA Sampoorna Raksha Promise Inclusions and Exclusions

Terminal Illness Benefit

50% of Sum Assured is paid upon terminal illness diagnosis, with premium waiver for future premiums.

Instant Claim Payout

₹3 lakh is paid within one working day of claim registration (subject to T&C).

Premium Deferment Facility

Premium payments may be postponed for up to 12 months without policy lapse.

Life Stage Benefit

On events like marriage, childbirth, or home loan disbursal, you can increase coverage (within certain limits) without further underwriting.

Top‑up Sum Assured Option

Annual coverage increase by 5–20% of the Base Sum Assured is available at each renewal (subject to underwriting).

Optional Riders

You can enhance your protection with riders (e.g., Accidental Death, Critical Illness, Disability).

Exclusions

Suicide Exclusion -If death occurs due to suicide within 12 months from policy inception or revival, the nominee will receive: 80% of total premiums paid (excluding taxes and rider premiums) , or; The available surrender value, whichever is higher.
Payor Accelerator Benefit Exclusion -No benefit is payable if terminal illness is diagnosed as a result of attempted suicide within 1 year from the policy’s start or revival.
Waiting Period -If death occurs (except by accident) within 90 days of policy start, only total premiums paid are refunded and the policy terminates.

Add ons

Tata AIA Sampoorna Raksha Promise Add-Ons and Riders

Accidental Death

Critical Illness

Payor Accelerator Benefit

Life Stage Benefit

Top-Up Sum Assured

Flexi Pay Benefit

Discounts

Joint Life Cover

Tata AIA Sampoorna Raksha Promise Related Variants

IProtect Smart Life

Max Life Smart Secure Plus

Claim Process

Tata AIA Sampoorna Raksha Promise Claim Settlement Process

Steps and flow followed by the insurer.

Term Cover Calculator

Tata AIA Sampoorna Raksha Promise Insurance Premium Calculator

Our insurance experts are here to help you make the right choice with personalized recommendations.

Term Cover Calculator

Age

Cover Till

Monthly Expenses

Current Annual Income

Current Savings

Outstanding Loans

Renewal

Tata AIA Sampoorna Raksha Promise Renewal

Renewal steps and key points.

FAQs

Tata AIA Sampoorna Raksha Promise FAQs

Got questions about Tata AIA Sampoorna Raksha Promise? You’re not alone. Here are some of the most commonly asked questions to help you understand this term life plan, coverage, claims, and benefits better.