Skip to content

Tata AIA · 110N176V13

Tata AIA Sampoorna Raksha Promise

Tata AIA Sampoorna Raksha Promise (IRDAI UIN 110N176V13) is a term life insurance plan for people aged 18 to 65 at entry, with cover up to age 100.

Premiums depend on age, cover, city, health and the options you choose. Where the insurer published a premium, the figure shown is for the exact profile stated next to it; your premium will differ. Comparezi does not sell insurance or give advice: check the insurer's prospectus and policy wording, which prevail.

In short

Tata AIA Sampoorna Raksha Promise is a term life insurance plan from Tata AIA. Key specifications: maximum entry age 65 years, maximum maturity age 100 years, death claims settled (insurer) 99.41%. Among term life insurance here it fits best for cover to an older age and low minimum cover and insurer's claim payout record.

Sample premium ₹10,150 a year*

*For: Product page footnote 16: 'annual premium for a 30 yr. old male, Standard Life, Non-Smoker for Rs 1 Cr. Sum Assured with Policy Term of 30 yrs. (Regular Pay) under Life Promise Option ... with first year premium discount of 10% for digital purchase and 8.5% for salaried person.' Illustrated profile: salaried professional. GST inclusion not stated. Matches the target profile except that first-year digital and salaried discounts are applied.. Your premium will differ.

Save
Maximum entry age
65 years
Maximum maturity age
100 years
Death claims settled (insurer)
99.41%

Pros

  • Cover can run to age 100, later than 81% of the 27 term life insurance plans on Comparezi that state it
  • Return-of-premium option available

Who should buy it

  • Best for Cover to an older age · What matters most? (pick any) #1 of 29 term life insurance for this
  • Best for Low minimum cover · What matters most? (pick any) #3 of 29 term life insurance for this
  • Best for Insurer's claim payout record · What matters most? (pick any) #7 of 29 term life insurance for this

Full specifications

Eligibility

Minimum entry age 18 years
Maximum entry age 65 years
Maximum maturity age 100 years
Policy term Other than PoS (months): Life Promise minimum 13 (Regular pay) / 14 (Limited pay) / 1 (Single pay); Life Promise Plus minimum 120; maximum 984 months (whole of life cover available to age 100)
Minimum sum assured ₹5,00,000
Maximum sum assured No Limit subject to Board approved underwriting policy (BAUP)

Plan

Plan options Life Promise, Life Promise Plus, Joint Life Promise, Joint Life Promise Plus
Premium payment Regular Pay (equal to policy term), Limited Pay (maximum PPT = policy term less 1 month), Single Pay; Single/Yearly/Half-Yearly/Quarterly/Monthly modes
Return of premium option Yes
Death benefit payout Lump sum, staggered benefit (level or increasing income over a benefit period up to 30 years), or a combination (Dependent Care / Payout Plan chosen at purchase)
Riders Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider (UIN 110B033V04), Tata AIA Life Insurance Non-Linked Comprehensive Health Rider (UIN 110B031V04), Tata AIA Vitality Protect (UIN 110B046V04), Tata AIA Vitality Health (UIN 110B045V03)
Terminal illness benefit Yes
Waiver of premium Inbuilt waiver of premium on terminal illness (after Payor Accelerator Benefit claim)

Premium

Sample annual premium ₹10,150
Sample premium is for Product page footnote 16: 'annual premium for a 30 yr. old male, Standard Life, Non-Smoker for Rs 1 Cr. Sum Assured with Policy Term of 30 yrs. (Regular Pay) under Life Promise Option ... with first year premium discount of 10% for digital purchase and 8.5% for salaried person.' Illustrated profile: salaried professional. GST inclusion not stated. Matches the target profile except that first-year digital and salaried discounts are applied.

Insurer

Death claims settled (insurer) 99.41%
Claims figures for FY 2024-25: individual death claims paid out of claims decided and pending, by number, computed from IRDAI Handbook on Indian Insurance Statistics (Table 15)
IRDAI UIN 110N176V13

About the Sampoorna Raksha Promise

Tata AIA Sampoorna Raksha Promise (IRDAI UIN 110N176V13) is a term life insurance plan for people aged 18 to 65 at entry, with cover up to age 100. It is one of 29 term life insurance plans on Comparezi, from Tata AIA.

Information only. Comparezi does not sell insurance, does not give advice and is not paid by insurers. The policy wording issued by the insurer prevails over this summary.

Eligibility and cover

  • Entry age: 18 to 65 years
  • Maximum maturity age: 100 years
  • Policy term: Other than PoS (months): Life Promise minimum 13 (Regular pay) / 14 (Limited pay) / 1 (Single pay); Life Promise Plus minimum 120; maximum 984 months (whole of life cover available to age 100)
  • Minimum sum assured: ₹5,00,000
  • Maximum sum assured: No Limit subject to Board approved underwriting policy (BAUP)

Plan options

  • Options: Life Promise, Life Promise Plus, Joint Life Promise, Joint Life Promise Plus
  • Premium payment: Regular Pay (equal to policy term), Limited Pay (maximum PPT = policy term less 1 month), Single Pay; Single/Yearly/Half-Yearly/Quarterly/Monthly modes
  • Return of premium: Covered
  • Death benefit payout: Lump sum, staggered benefit (level or increasing income over a benefit period up to 30 years), or a combination (Dependent Care / Payout Plan chosen at purchase)
  • Riders: Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider (UIN 110B033V04), Tata AIA Life Insurance Non-Linked Comprehensive Health Rider (UIN 110B031V04), Tata AIA Vitality Protect (UIN 110B046V04), Tata AIA Vitality Health (UIN 110B045V03)
  • Terminal illness benefit: Covered
  • Waiver of premium: Inbuilt waiver of premium on terminal illness (after Payor Accelerator Benefit claim)

How it compares on Comparezi

Of the 27 term life insurance plans on Comparezi with a stated maximum maturity age, none has a longer one and 4 have the same.

Premium

It depends on your age, cover, city and options. Tata AIA's own published premium table gives ₹10,150 a year for this profile: Product page footnote 16: 'annual premium for a 30 yr. old male, Standard Life, Non-Smoker for Rs 1 Cr. Sum Assured with Policy Term of 30 yrs. (Regular Pay) under Life Promise Option ... with first year premium discount of 10% for digital purchase and 8.5% for salaried person.' Illustrated profile: salaried professional. GST inclusion not stated. Matches the target profile except that first-year digital and salaried discounts are applied. Your premium will differ; get a quote from the insurer.

About the insurer

Tata AIA paid 99.41% of individual death claims in FY 2024-25 (by number of claims, computed from IRDAI's published claim counts).

Similar plans from other insurers

Other term life insurance plans from Tata AIA

Sources

Checked 6 November 2026. Values the documents do not state are left out rather than estimated. See how Comparezi checks data.

Alternatives

Alternatives to the Sampoorna Raksha Promise

All term life insurance →

Similar cover

Similar term life insurance plans

Head to head

Compare the Sampoorna Raksha Promise

Questions

Sampoorna Raksha Promise FAQs

It depends on your age, cover, city and options. Tata AIA's own published premium table gives ₹10,150 a year for this profile: Product page footnote 16: 'annual premium for a 30 yr. old male, Standard Life, Non-Smoker for Rs 1 Cr. Sum Assured with Policy Term of 30 yrs. (Regular Pay) under Life Promise Option ... with first year premium discount of 10% for digital purchase and 8.5% for salaried person.' Illustrated profile: salaried professional. GST inclusion not stated. Matches the target profile except that first-year digital and salaried discounts are applied. Your premium will differ; get a quote from the insurer.

110N176V13. The UIN identifies the exact product version filed with IRDAI; check it on your policy documents.

From 18 years to 65 years; limits can differ by plan option.

Up to age 100 at most; the limit can differ by plan option.

Yes, as an option or variant; the base cover pays only on death.

99.41% of individual death claims were paid in FY 2024-25, by number of claims, computed from IRDAI's published claim counts. It is an insurer-wide figure, not one for this plan.

Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider (UIN 110B033V04), Tata AIA Life Insurance Non-Linked Comprehensive Health Rider (UIN 110B031V04), Tata AIA Vitality Protect (UIN 110B046V04), Tata AIA Vitality Health (UIN 110B045V03).

Data sources

  • Manufacturer official pages

Last updated

Product details

Disclosure

Links to insurers are not paid. Comparezi earns only from labelled ads, which never affect the Comparezi Score, the order of insurers, or the price shown, which is what the insurer listed when we checked.

Compare