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TATA AIA Sampoorna Raksha Promise Plan Review 2025
Tata AIA Term Insurance
Tata AIA Sampoorna Raksha Promise
Sampoorna Raksha Promise by Tata AIA Life Insurance is a pure term ins ...Read More
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About Tata AIA Sampoorna Raksha Promise
A quick read on what this Tata AIA Term Insurance term plan covers and why it might be a fit for you.
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 term insurance policy 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, savings plans, etc.
Sampoorna Raksha Promise Plan of Tata AIA offers you a range of benefits, including:
- Choice of Plan Options
- Instant Payment on Claim Intimation
- Whole Life Coverage Option
- Special Discount for Female Policyholders
- Add-on Riders to Choose
- Choice of Death Benefit Payout
Eligibility Criteria for Tata AIA Sampoorna Raksha Promise
Entry age
Minimum age- 18 years, Maximum age- 65 years
Maturity age
Maximum maturity age- 100 years
Policy term
Minimum term - 1 year Maximum term - 82 years
Sum assured
Base sum assured- Rs 25 lakhs to No limit
Policy loan
No policy loan is available under this plan.
Payment Modes
Yearly, half-yearly, quarterly, and monthly
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Choice of Plan Options
- Instant Payment on Claim Intimation
- Whole Life Coverage Option
Cons
- No Policy Loan is Available
- No Plan Conversion Option
- No Maturity Benefit
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
Tata AIA Sampoorna Raksha Promise Term Plan 2024 | Tata AIA Life Insurance | Tata AIA Life
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
Entry Age - 18 years
Minimum Sum Assured - 25 L
Max Maturity Age - 100 Yrs
Premium Payment Term - LP/RP/SP
Max Entry Age - 65 years (Adaptable)
How Does Tata AIA Sampoorna Raksha Promise Work?
Let's understand how the Tata AIA Sampoorna Raksha Promise works with a simple premium illustration.
Problem
Rahul, 35 years old, a non-smoker and salaried professional, wants to secure his family with a high life cover against unforeseen events.
Solution
He chooses the Tata AIA Life Insurance Sampoorna Raksha Promise under the Life Promise option for financial protection.
Let us see a brief illustration of the Tata AIA Life Insurance Sampoorna Raksha Promise.
| Age | Policy Term | Premium Payment Term | Sum Assured | Premium (Monthly) |
| 35 years | 40 years | 20 years | Rs 1 crore | Rs 2,042* |
Key Takeaways:
In case of Rahul’s unfortunate demise during the policy term, ₹1 Crore will be paid to the nominee as a lump sum.
Riders Associated with Tata AIA Sampoorna Raksha Promise Plan
You can add the following riders to your Tata AIA Sampoorna Raksha Promise:
Tata AIA Comprehensive Protection Rider
It provides extra protection against accidental death, disability, and critical illness.
Tata AIA Comprehensive Health Rider
It offers financial support for major health-related emergencies and illnesses.
Tata AIA Life Insurance Vitality Protect
This rewards healthy lifestyle habits while enhancing life insurance protection.
Tata AIA Life Insurance Vitality Health
It combines health coverage with wellness rewards for maintaining healthy activities.
Features of Tata AIA Sampoorna Raksha Promise
Key features that make Tata AIA Sampoorna Raksha Promise stand out.
Flexible Cover
There are options for whole of life cover (up to age 100 for non-POS variants).
Death Benefit Payouts
Nominees can receive benefits as a lumpsum, staggered installments over up to 30 years, or a combination of both.
Joint Life Option
There is a flexibility to cover a spouse under the same policy.
Instant Payout
An accelerated instant death benefit of ₹3 Lakhs is paid within one working day of claim intimation for policies with a minimum sum assured of ₹1 Crore (after a 3-year waiting period).
Special Discounts
Premium is 15% lower for female lives. There are discounts for salaried customers and single mothers.
Benefits of Tata AIA Sampoorna Raksha Promise
Here are the key benefits of the Tata AIA Sampoorna Raksha Promise.
Payor Accelerator Benefit
It pays 50% of the Effective Sum Assured on terminal illness diagnosis, waives future premiums, while the policy continues with the remaining cover.
Cover Enhancement Options
These options let you increase life cover during major life events or boost it yearly by 5% to 20%.
Super Retirement Benefit
Get back 100% of total premiums paid from the 30th policy year or age 70, with an extra 5% benefit if used to buy a Tata AIA Life Insurance annuity.
Waiver of Premium on Husband’s Death
This plan is available for female life assureds, where future premiums are waived if the husband passes away.
Health Management Services
You can have complimentary access to medical consultations, second opinions, and personal medical case management.
What are the Exclusions of Tata AIA Sampoorna Raksha Promise?
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.
- No policy loan is available under this plan.
Conclusion
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.
Conclusion
Tata AIA Sampoorna Raksha Promise is a customizable term life insurance plan that allows you to choo
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FAQs: Tata AIA Sampoorna Raksha Promise
The 8 most-asked questions about Tata AIA Sampoorna Raksha Promise, answered.
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.
The eligibility of TATA AIA Sampoorna Raksha Promise Plan covers an entry age of 18 to 65 years and a maximum maturity age of 100 years. The minimum sum assured is ₹25 lakh, along with flexible premium payment options and policy terms.
TATA AIA Sampoorna Raksha Promise provides flexible premium payment options to suit various financial needs. You can opt for annual, half-yearly, quarterly, or monthly premium payments. The plan also offers premium modes like limited pay or regular pay.
Tata AIA Sampoorna Raksha Promise excludes specific situations from its cover. Death because of suicide within the first 12 months of the policy is not covered; claims arising from participation in war, hazardous activities, and war are also not included.
Written and reviewed by
PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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