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Param-Rakshak-Pro-Leaflet
 

Benefits of Tata AIA Life Insurance Param Raksha-Term Insurance Plan

Life Insurance Coverage

Get life insurance coverage for up to 100 years with this plan to protect your family for many years to come!

Tax Benefits

Get Income tax⁷ benefits as per applicable tax laws.

Accidental Death

Safeguard your family with additional Sum Assured in case of Accidental Death and 2X² Additional Sum Assured in case of unfortunate accidental death in public transport or other specified circumstances.

Comprehensive coverage

The Tata AIA Life Insurance Param Raksha Life Pro offers a life cover, disability cover and savings solution so that you and your family can receive comprehensive coverage.

Choice of Funds

Choose from multiple fund options provided under the plan or opt for the Enhanced Systematic Money Allocation & Regular Transfer (Enhanced SMART) portfolio strategy.

Flexible Premium Payment

Choose between the Regular Pay or Limited Pay options to pay the premiums towards your policy, at your convenience, on an annual basis.

Return of Fund Value

Receive the fund value of your investment on the maturity of the policy to boost your savings.

Accidental Total and Permanent Disability

If you suffer a total and permanent disability due to an accident, your family will receive a lump sum amount under the Accidental Total and Permanent Disability Benefit to replace the loss of income due to your disability and 2X² benefit in case of accident occurs in public transport or other specified circumstances.

Flexible Premiums Payments

Make easy annualized premium payments for your base policy as per your premium payment mode and term to avail life cover.

Tata AIA Vitality (Wellness Program)

A comprehensive wellness program that helps you understand and improve your health thereby offering premium discounts⁹ of up to 10% on Tata AIA Vitality Protect Advance premiums in the 1st year.

Check Eligibility

Boundary conditions
Min/max age at entry	18/65
Max. age at maturity	Life Cover: 100 years Accidental Death Benefit: 85 years Accidental Total & Permanent Disability: 85 years
Policy term	Min: 30, Max: subject to max. age at maturity
Premium payment term	5 to up to 85 years of age for limited pay and Regular pay
Minimum Premium	SSR Supreme Premium:  Limited Pay 5-6 years:  ₹ 20,000 p.a. Limited Pay 7-9 years:  ₹ 18,000 p.a. Other Premium Payment Terms: ₹ 15,000 p.a.
Premium Mode	Annual, Half yearly, Quarterly and Monthly
Sum Assured	Minimum Maximum Life cover – 50 Lakh   Accidental Death Benefit – 45 Lakh   Accidental Total & Permanent Disability – 45 Lakh Life cover- No Limit   Accidental Death Benefit – 5 Crore   Accidental Total & Permanent Disability – 5 Crore

Boundary conditions
Min/max age at entry	18/65
Max. age at maturity	Life Cover: 100 years Accidental Death Benefit: 85 years Accidental Total & Permanent Disability: 85 years
Policy term	Min: 30, Max: subject to max. age at maturity
Premium payment term	5 to up to 85 years of age for limited pay and Regular pay
Minimum Premium	SSR Supreme Premium:  Limited Pay 5-6 years:  ₹ 20,000 p.a. Limited Pay 7-9 years:  ₹ 18,000 p.a. Other Premium Payment Terms: ₹ 15,000 p.a.
Premium Mode	Annual, Half yearly, Quarterly and Monthly
Sum Assured	Minimum Maximum Life cover – 50 Lakh Accidental Death Benefit – 45 Lakh Accidental Total & Permanent Disability – 45 Lakh Life cover- No Limit Accidental Death Benefit – 5 Crore Accidental Total & Permanent Disability – 5 Crore

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