Tata AIA
Life Ka Leader
Tata AIA Life Insurance is a joint venture between Tata Group and AIA Group. With a legacy of trust from Tata and global expertise from AIA.
2001
Founded
99.01%
Claims Ratio
8
Insurance Plans
4.8★
Customer Rating
Term Insurance Plans
Pure protection plans at the most affordable cost
Tata AIA Sampoorna Raksha Promise
India's most awarded term plan - ₹1 Cr life cover at just ₹501/month
₹501/Month
Premium
₹1 Crore
Coverage
10-50 Years
Policy Term
₹25 Lakh
Min Sum Assured
Benefits
Key Features
- Award-winning term plan (Fortune India Best Brands)
- ₹1 Crore cover starting at just ₹501/month
- Option to increase cover at key life stages without fresh medicals
- Critical illness cover for 64 diseases
- Terminal illness advance payout
- Return of premium option available
Available Riders
Tata AIA Maha Raksha Supreme Select
High-value term protection with whole life option - up to ₹5 Crore cover
₹650/Month
Premium
Up to ₹5 Crore
Coverage
10-Whole Life
Policy Term
₹50 Lakh
Min Sum Assured
Benefits
Key Features
- High sum assured term plan up to ₹5 Crore
- Whole life cover option available till age 100
- Increasing sum assured option to beat inflation
- Critical illness benefit with 40+ covered diseases
- Accidental death and disability cover
- Terminal illness benefit with early payout
Available Riders
Endowment / Savings Plans
Guaranteed savings with Tata's trust and reliability
Tata AIA Fortune Guarantee Plus
Guaranteed maturity benefit with flexible income options - your savings, your way
₹110/Day
Premium
Guaranteed Maturity Benefit
Coverage
12-30 Years
Policy Term
₹5 Lakh
Min Sum Assured
Benefits
Key Features
- Guaranteed maturity benefit irrespective of market conditions
- Guaranteed additions every year from year 1
- Choice of lumpsum or regular income or combination at maturity
- Premium payment flexibility - single, limited or regular pay
- Loan facility available after paid-up period
- Paid-up and surrender value available
Available Riders
Money Back Plans
Regular income during policy term plus maturity benefit
Tata AIA Shubh Flexi Income Plan
Regular income during policy + maturity benefit - dual advantage plan
₹90/Day
Premium
Regular Income + Maturity Benefit
Coverage
15-30 Years
Policy Term
₹2 Lakh
Min Sum Assured
Benefits
Key Features
- Regular income payouts during the entire policy term
- Additional maturity benefit at the end of the term
- Guaranteed additions every year from year 1
- Flexibility to choose income payout frequency
- Life cover + savings in a single plan
- Loan facility available after 3 years
Available Riders
ULIP / Investment Plans
Market-linked wealth creation with Tata and AIA's global expertise
Tata AIA Fortune Pro
Morningstar 4-5 star rated funds with Enhanced SMART strategy
₹140/Day
Premium
Market Linked Returns + Life Cover
Coverage
10-30 Years
Policy Term
10x Annualized Premium (Min ₹10 Lakh)
Min Sum Assured
Benefits
Key Features
- All funds rated 4-5 stars by Morningstar India
- Enhanced SMART portfolio strategy for optimized returns
- 11 fund options across equity, debt and balanced categories
- Zero allocation charges on all premium payments
- Loyalty boosts from year 5 and wealth boosters every 5 years
- Unlimited free fund switching during the policy term
Available Riders
Tata AIA Smart Sampoorna Raksha Supreme
Smart ULIP combining life protection with wealth creation
₹100/Day
Premium
Market Linked Returns + Life Cover
Coverage
10-30 Years
Policy Term
7x Annualized Premium (Min ₹5 Lakh)
Min Sum Assured
Benefits
Key Features
- ULIP with comprehensive life cover and market-linked returns
- Flexible fund switching with unlimited free switches
- Wide range of fund options across equity, debt and hybrid
- Top-up facility to enhance investments anytime
- Partial withdrawal facility from year 6
- Systematic transfer plan for rupee cost averaging
Available Riders
Pension / Retirement Plans
Guaranteed pension for a secure and dignified retirement
Tata AIA Fortune Guarantee Pension
Guaranteed lifetime pension with flexible payout modes - retire with confidence
₹200/Day
Premium
Guaranteed Pension for Life
Coverage
Whole Life
Policy Term
Based on purchase price
Min Sum Assured
Benefits
Key Features
- Guaranteed pension for life from the chosen vesting age
- Deferred annuity option to grow your corpus before pension starts
- Multiple payout modes - monthly, quarterly, half-yearly, annual
- Joint life annuity option for spouse continuation
- Return of purchase price option for nominee security
- Single pay or limited pay - no regular premium burden
Child Plans
Secure your child's education and future milestones
Tata AIA SmartKid 360
360-degree child education plan with guaranteed returns and premium waiver
₹70/Day
Premium
₹20 Lakh + Guaranteed Returns
Coverage
Child's age 25 years
Policy Term
₹2 Lakh
Min Sum Assured
Benefits
Key Features
- Guaranteed returns with bonus participation for wealth building
- Premium waiver on proposer's death or critical illness
- Flexible payout at education milestones (12th, graduation, post-grad)
- Guaranteed additions every year from year 1
- Loan facility available after initial premium period
- Option to pay premiums from bonus accumulation
Available Riders
Why Choose Tata AIA?
High Claim Settlement
Tata AIA has a claim settlement ratio of 99.01%, ensuring your family gets the benefits when they need it most.
Trusted Brand
With a legacy since 2001, Tata AIA is one of the most trusted insurance brands in India.
Innovative Products
Tata AIA offers 8 innovative insurance solutions across 6 categories tailored to your needs.
Need Help Choosing the Right Tata AIA Plan?
Our AI-powered advisor can help you find the perfect Tata AIA plan from 8 options based on your financial profile and needs.