Tata AIA Life Insurance Sampoorna Raksha Supreme (110N160V04)
Features
- Flexibility to choose from below Death Benefit option.
Life Option, Life Plus Option, Life Income & Credit Protect - Option for Whole Life coverage (till age 100 years)
- Flexibility to receive death benefit payout as a Lump sum or Income (up to 60 months) or both.
- Option to Increase cover at Important milestones with Life stage option.
- Option to increase Sum Assured through top-ups.
- Inbuilt payor Accelerator benefit that advance 50% of Basic Sum Assured in event of a Terminal illness diagnosis
- Option to get Income payouts at age 55, 60 or 65 onwards for a peaceful life.
- Option to avail medical second opinion/medical consultation/ personal medical case management
- Flexibility to choose Policy Term and Premium Paying Term
- Lower premium rate for Female lives
- Enhance protection with Optional Riders
- Tax benefits, as per the applicable Income Tax laws.
Eligibility Criteria
|
Plan Parameters |
Minimum |
Maximum |
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|
Age at Entry (years) |
18 years applicable for Life, Life Plus & Credit Protect options 20 years For Life Income option |
Benefit Option |
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|
Life |
65 |
|||||||
|
Life Plus |
65 |
|||||||
|
Life Income |
60 |
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|
Credit Protect |
65 |
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|
Max Age at Maturity (years) |
||||||||
|
Benefit Option |
Age last birthday (in years) |
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|
Life |
100 |
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|
Life Plus |
100 |
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|
Life Income |
100 |
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|
Credit Protect |
95 |
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|
Plan Option |
· Life Option · Life Plus Option · Life Income · Credit Protect |
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|
Policy Term (PT) (Months) |
Benefit Option |
Regular Pay |
Limited Pay |
Single Pay |
||||
|
Min |
Max |
Min |
Min |
Max |
||||
|
Life |
13 |
984 |
14 |
984 |
1 |
984 |
||
|
Life Plus |
120 |
984 |
120 |
984 |
120 |
984 |
||
|
Life Income |
n/a |
n/a |
60* |
960 |
60* |
960 |
||
|
Credit Protect |
60 |
360 |
61 |
360 |
60 |
360 |
||
|
*The minimum policy term will be subject to the minimum maturity age being at least equal to 65 years. Regular Pay - Equal to Policy Term, subject to the boundary conditions mentioned below. Single Pay – Lump sum at Policy inception Limited pay – Subject to the boundary conditions below with maximum Premium Paying Term limited to Policy Term less1 month. |
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|
Premium Payment Term (PPT) (Months) |
Benefit Option |
Regular Pay |
Limited Pay |
|||||
|
Min |
Max |
Min |
Max |
|||||
|
Life |
60 |
564 |
60 |
563 |
||||
|
Life Plus |
120 |
564 |
60 |
563 |
||||
|
Life Income |
n/a |
n/a |
n/a |
n/a |
||||
|
Credit Protect |
60 |
360 |
60 |
359 |
||||
|
Premium Payment Term (PPT) (Months) |
||||||||
|
Benefit Option |
Regular Pay |
Limited Pay |
||||||
|
Min |
Max |
Min |
Max |
|||||
|
Life |
13 |
984 |
13 |
983 |
||||
|
Life Plus |
120 |
984 |
60 |
983 |
||||
|
Life Income |
n/a |
n/a |
60 |
480 |
||||
|
Credit Protect |
60 |
360 |
13 |
359 |
||||
|
This option is available for all premium payment terms from 60 to 180 months at a step of 12 months and 60 minus Age at entry for Age at entry less than 45, under Limited Pay. |
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|
Basic Sum Assured |
INR.1,00,000 |
No Limit subject to Board approved underwriting policy (BAUP) |
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|
Premium Payment Mode |
Single/Annual/ Half-yearly/ Quarterly/ Monthly |
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All reference to age is as on last birthday. The Plan option can be selected only at inception of the Policy.
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Disclaimer
- The brochure is not a contract of insurance. The precise terms and conditions of this plan are specified in the policy contract available on Tata AIA Life website.
- Buying a Life Insurance policy is a long-term commitment. An early termination of the policy usually involves high costs, and the Surrender Value payable may be less than the all the Premiums Paid.
- This product brochure should be read along with Benefit Illustration.
- This product is underwritten by Tata AIA Life Insurance Company Ltd. This plan is not a guaranteed issuance plan, and it will be subject to Company’s underwriting and acceptance.
- Insurance cover is available under this product.
- In case of Sub Standard lives, extra premiums will be charged as per Tata AIA Life Insurance Company Ltd. underwriting guidelines.
The Federal Bank Limited is a Corporate Agent having registration number - Regn. No. CA0227. The service provided by The Federal Bank Limited is purely an agency service and is carried out strictly on a non-risk participation basis. The Federal Bank Limited, as corporate agent does not underwrite the risk or act as an insurer. Participation by the Federal Bank’s customers in the insurance product is purely on a voluntary basis and is not linked to the availment of any other facility from the Federal Bank Limited.