Sampoorna Raksha Promise

What this product is

A flexible term insurance plan offering whole-life cover (up to age 100), a return-of-premium variant, and choice of lump sum, income, or combination payouts to your family.

You might need this if…

• You might need this if you want life cover that can extend all the way to age 100 rather than ending at a fixed term like 60 or 70.
• You might need this if you like the idea of getting your premiums back if you outlive the policy - the Life Promise Plus / return-of-premium variant refunds premiums paid at maturity if there's no claim.
• You might need this if you want your family to have choices in how they receive the payout - lump sum, staggered income, or a mix - rather than only a single lump sum.
• You might need this if your protection needs might grow over time - the plan lets you increase cover at life milestones like marriage, buying a home, or having a child.
• You might need this if you're worried about missing a premium due to a temporary cash crunch - a deferment feature lets you delay payment by up to 12 months without losing cover.

How it actually works

• Entry age is roughly 18-65 years, with cover available up to age 100 (whole-life option); minimum sum assured starts around ₹50 lakh with no stated upper cap.
• Death benefit payout can be taken as a lump sum, in staggered instalments, or as a combination, based on what the nominee needs at the time of claim.
• A Terminal Illness benefit lets the policyholder claim all or part of the sum assured while still alive if diagnosed with a terminal illness.
• The Life Promise Plus variant returns all premiums paid (minus certain charges/discounts) at maturity if no claim was made, at a higher premium than the plain term option.
• Riders available include critical illness (CritiCare Plus), accidental death, total & permanent disability, waiver of premium, and a hospital cash benefit (Hospicare).
• An express claims feature aims to pay out smaller claims (up to roughly ₹5 lakh) within one working day of intimation.

Worth knowing before you decide

• The return-of-premium (Life Promise Plus) variant costs meaningfully more than the plain term version, since you're paying extra for the money-back guarantee.
• Standard term-plan exclusions apply: death by suicide within the first policy year is excluded (only a portion of premiums is typically refunded), and deaths from criminal or unlawful activity are excluded.
• The underlying brochure PDF could not be accessed directly during research (blocked by the insurer's site rules); figures here are drawn from Tata AIA's official plan page and consumer-advisory sources rather than the full prospectus - confirm exact numbers before relying on them.
• Riders come at extra cost and have their own eligibility and claim conditions separate from the base plan.

Official source

⌟ Official product brochure

Learn about this category

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