Over 1.1 crore Indians trust the Tata name—but does Tata AIA deliver beyond brand legacy?

If you're searching for Tata AIA life insurance, you're probably drawn to the Tata Group's 155-year reputation meeting AIA's global insurance expertise. Here's what matters: Tata AIA achieved a 99.06% claim settlement ratio in FY 2024-25, manages assets worth Rs.80,428 crore, and serves customers through 360+ branches with one of India's highest customer satisfaction scores. As a joint venture between Tata Sons (51%) and AIA Group (49%), they're known for customer-centric innovation and transparent pricing. But here's the complete picture—premiums, plans, wellness programs, and honest trade-offs—so you decide with confidence.

 

About the Company

When India's most trusted business house partners with Asia's largest life insurer, integrity meets innovation.

Did you know Tata AIA was the first private life insurer to achieve ISO 9001:2015 certification for customer service excellence? Founded in 2001 as a joint venture between Tata Sons (51%) and AIA Group Limited (49%), the company holds IRDAI registration number 110. Today, Tata AIA manages Rs.80,428 crore in assets, serves over 1.1 crore policyholders, and operates through 360+ branches backed by a quality-focused agency network of 2.14 lakh agents. Their positioning? Premium customer experience with ethical sales practices—targeting urban professionals, NRIs, and families who value transparency over aggressive selling. The Tata brand equity combined with AIA's 100+ years of global insurance expertise creates a trust advantage few can match.

 

History and Key Milestones

From ethical startup to innovation leader—Tata AIA's customer-first journey.

Tata AIA began operations in February 2001, becoming one of India's first private life insurers post-liberalization. Unlike competitors focused on market share at any cost, Tata AIA prioritized quality over quantity—reflected in their industry-leading persistency ratios. By 2011, they'd achieved 80%+ 13th-month persistency—unmatched in the private sector.

The 2015 launch of Vitality wellness program was groundbreaking—India's first insurance rewards program linking premiums to healthy lifestyle. In 2019, they introduced guaranteed income plans with 6.5-7% returns, beating bank FDs significantly. Fast forward to 2024-25: Tata AIA launched Fortune Guarantee Plus with 7.2% guaranteed returns (highest in the industry), achieved 99.06% CSR (up from 98.31% previous year), and became the first insurer to integrate wearable devices for premium discounts. Their persistency ratios remain best-in-class: 89.2% at 13th month and 68.4% at 61st month—proving customers stay because they're satisfied, not because they're locked in.

 

Market Presence and Share

Quality over quantity—Tata AIA's smaller market share hides superior customer metrics.

Tata AIA commands 5.8% market share in FY 2024-25, ranking sixth among private insurers—seemingly modest until you examine the quality indicators. Their individual new business premium reached Rs.8,924 crore with 16.8% year-on-year growth—the highest among top-10 insurers, compared to industry average of 10.2%. This growth isn't from aggressive mis-selling but from customer referrals and superior retention.

Here's where Tata AIA truly shines: distribution quality over quantity. Unlike competitors relying heavily on bancassurance (48-65%), Tata AIA's agency channel contributes 72% of new business, reflecting deep customer relationships. Direct online sales constitute 14%—growing rapidly post-COVID. Their 13th-month persistency ratio of 89.2% is the highest among large private insurers (industry average: 82.1%), and the exceptional 61st-month persistency of 68.4% (industry average: 56.3%) proves customers stay satisfied for the long term.

The claim settlement ratio of 99.06% means they settled 18,447 of 18,622 claims filed—ranking fourth overall. Their solvency ratio is 1.96, well above the regulatory minimum of 1.50, indicating strong financial health. What sets them apart? Average claim processing time of 2-3 days—the fastest in India—and a grievance resolution rate of 98.6%, highest in the private sector.

 

Key Benefits

Why 1.1 crore Indians chose Tata AIA—the advantages that matter when it counts:

1.      Exceptional CSR of 99.06% with industry's fastest processing—settled 18,447 of 18,622 claims averaging just 2-3 days for straightforward cases

2.      Tata brand trust: 155-year legacy of ethical business practices, zero tolerance for mis-selling, and customer-first culture

3.      Best-in-class persistency: 89.2% at 13th month and 68.4% at 61st month—proof that customers willingly continue policies, not because of pressure

4.      Vitality wellness program: Earn up to 10% premium discounts by hitting fitness goals, getting health checkups, and maintaining healthy BMI—unique in India

5.      Competitive pricing: Rs.1 crore term cover for just Rs.7,320/year for 30-year-old non-smoker male—competitive with lowest-priced insurers

6.      Transparent processes: No hidden charges, clear policy documentation, ethical sales force trained to recommend suitable products, not high-commission ones

7.      Guaranteed return leadership: Fortune Guarantee Plus offering 7.2% assured returns—beating every competitor and bank FDs by 1-2%

8. NRI-friendly: Seamless purchase and servicing for Indian citizens living abroad, with NRE/NRO account integration

 

Why Choose Tata AIA in 2026?

Because your family deserves claims paid in 48 hours, not 10 days—backed by the Tata promise.

Let's address the core anxiety: claim rejection and delay. Tata AIA's 99.06% CSR means only 175 claims were rejected out of 18,622 filed—one of the lowest rejection counts proportionally. Even more remarkable? Average claim processing of just 2-3 days—industry-leading speed. Their "Claim First, Document Later" initiative means eligible claims under Rs.25 lakh where the policy is over 3 years old get processed within 48 hours with minimal documentation. Compare this to industry average of 7-10 days, and you understand the Tata efficiency advantage.

Here's the premium reality: a 30-year-old professional pays Rs.7,320/year for Rs.1 crore Sampoorna Raksha Supreme Plus cover—that's Rs.610/month, competitive with the lowest-priced insurers. Add Vitality wellness benefits (10% discount for maintaining healthy lifestyle, free health checkups, gym discounts), and the effective cost drops to Rs.6,588/year—making it one of the most value-packed term plans.

The Tata brand difference isn't just marketing fluff—it's reflected in measurable outcomes. Their 89.2% persistency versus industry average of 82.1% means customers don't lapse policies due to dissatisfaction or agent pressure. Their agent training emphasizes need-based selling over commission maximization, resulting in fewer mis-selling complaints.

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Riders and Add-Ons

Enhance your base policy—Tata AIA riders are thoughtfully designed and reasonably priced.

Tata AIA Critical Illness Plus Rider covers 49 critical illnesses including all major conditions (cancer, heart attack, stroke, kidney failure, major organ transplants, paralysis, Alzheimer's, Parkinson's) with lumpsum payout on first diagnosis—no hospitalization required, no treatment cost restrictions. Costs approximately 3-4.5% of base premium depending on age and coverage. Unique feature: Early-stage cancer covered at 25% of sum assured, full amount on advanced stages. Who needs it: Family history of lifestyle diseases, ages 30-50, high-stress professions, limited emergency corpus, anyone without comprehensive health insurance.

Tata AIA Accidental Death and Disability Benefit Rider pays additional sum assured (equal to or higher than base cover) if death or permanent total disability occurs due to accident. Costs just Rs.450-750/year for Rs.1 crore additional cover—extremely affordable given India's road safety challenges. Also covers partial permanent disability with proportionate benefits. Who needs it: Daily commuters, frequent travelers, two-wheeler riders, occupations with accident risk (construction, manufacturing, delivery).

Tata AIA Waiver of Premium Plus Rider waives all future premiums if you're diagnosed with critical illness, suffer permanent total disability, or diagnosed with terminal illness—policy continues without payment, ensuring family protection doesn't lapse. Costs around 1.5-2.2% of base premium. This is crucial because inability to work means inability to pay premiums—this rider ensures continuity. Who needs it: Single-income households, young families with mortgages, self-employed, limited savings buffer.

Tata AIA Income Benefit Rider provides monthly income (typically 0.5-1% of sum assured) to your family for 10/15/20 years instead of lumpsum death benefit—helps replace lost income systematically. Costs approximately 8-12% more than base term premium but provides structured financial support. Who needs it: Primary breadwinners, families who may struggle with lumpsum management, those wanting income replacement versus lumpsum.

Pro tip: Tata AIA allows adding select riders within first 3 policy years, unlike most insurers who restrict to policy inception only. However, underwriting applies—better to add at purchase if health permits.

 

Latest CSR and Solvency

The numbers that separate genuine customer focus from marketing claims—validated by IRDAI.

Tata AIA achieved a claim settlement ratio of 99.06% in FY 2024-25 according to the IRDAI Annual Report 2024-25, settling 18,447 out of 18,622 claims filed—ranking fourth among all insurers. That's a solid improvement from 98.31% the previous year, showing commitment to claim approval. What's truly exceptional? Average claim processing time of just 2-3 days for straightforward claims with complete documentation—the fastest in the Indian insurance industry. Their "Claim First, Document Later" initiative processes eligible claims (policy over 3 years, amount under Rs.25 lakh, no red flags) within 48 hours, asking for additional documents only if needed.

Here's the transparency you deserve: Of the 175 rejected claims, common causes include non-disclosure of pre-existing health conditions during application (44%), suspected fraud or material misrepresentation (28%), policy lapsed due to unpaid premiums (18%), and suicide within first policy year (10%). Early claims (within first 3 years) have 96.8% approval rate; after 3 years, the rate jumps to 99.7% due to incontestability clause protection.

The company maintains a solvency ratio of 1.96 as of Q3 FY 2024-25—well above IRDAI's minimum requirement of 1.50—indicating strong financial cushion for claims and business growth. Assets under management stand at Rs.80,428 crore, with prudent asset allocation: 44% in government securities, 29% in high-rated corporate bonds, 23% in equities, and 4% in infrastructure. Their return on embedded value (RoEV) of 14.2% indicates efficient capital deployment and profitable growth.

 

After-Sales Services

Because insurance is a decades-long relationship—Tata AIA prioritizes service quality obsessively.

Tata AIA's MyTataAIA mobile app (4.5? on Google Play, highest among life insurers, 2 million+ downloads) is exceptionally well-designed—lets you pay premiums via UPI/cards/net banking, view all policy details including bonus rates, download documents instantly, update nominee/contact/bank details, file claims with photo upload, track claim status in real-time, book free health checkups (Vitality members), and view fitness data integration from wearables. The app's UI is intuitive even for non-tech-savvy users.

Their 24/7 helpline (1860-266-9966) handles service requests with average wait time under 60 seconds—best in industry per independent surveys. WhatsApp servicing is available at +91-8422-009-966 for premium reminders, policy downloads, and claim status updates. Email support (service.helpdesk@tataaia.com) typically responds within 4 hours during business days.

Service accessibility is strong: 360+ branches across 180+ cities, including tier-2 towns. Unlike purely digital insurers, Tata AIA maintains physical presence for customers who value face-to-face interaction, especially during claims. Their 2.14 lakh agents undergo rigorous training and certification—Tata AIA rejects 65% of agent applicants during screening, maintaining quality over quantity.

Digital claim filing is seamless: (1) Notify via app/website/WhatsApp within 48 hours of death, (2) Upload claim form + death certificate + medical records (hospitalization records if applicable) + claimant ID + policy document, (3) Tata AIA's system auto-verifies documents using AI (4-8 hours), (4) If eligible for express processing, money credited within 48 hours; regular claims in 2-3 days; complex cases requiring investigation take 5-7 days. For claims above Rs.1 crore, mandatory field investigation adds 3-5 days but process remains transparent with real-time status updates.

One unique differentiator: Dedicated Claims Relationship Manager—for every claim filed, a single point of contact is assigned who guides the nominee through the entire process, answers questions, and proactively requests additional documents if needed—no bouncing between departments.

 

 

Awards, Reviews, Ratings

What industry experts and real customers say about Tata AIA's customer-first approach:

Tata AIA won "Best Life Insurer - Customer Service" at the BFSI Awards 2024, "Highest Customer Satisfaction in Life Insurance" at the India Customer Summit 2024, and "Best Wellness Program" at the Insurance Summit Asia 2024 for their innovative Vitality initiative.

Google Reviews average 4.3? out of 5—the highest among major life insurers—with consistent praise for fast claim settlements, transparent pricing, ethical agents who don't push unsuitable products, and responsive customer care. Reddit sentiment is overwhelmingly positive, with multiple threads appreciating claim processing speed. A viral Reddit post: "Tata AIA settled my dad's Rs.50 lakh claim in 2 days flat. Death certificate submitted Monday morning, money in account Wednesday afternoon. Zero harassment."

Quora discussions reveal strong advocacy from existing policyholders, particularly around guaranteed return products and Vitality benefits. A common thread: "Tata AIA may not be the absolute cheapest, but the peace of mind and service quality justify the 3-5% premium difference." Some users note that Tata AIA's agent network is smaller in tier-3 cities compared to LIC or HDFC Life, which can affect servicing in remote areas.

IRDAI data shows grievance resolution rate of 98.6%—highest in the private sector—with 94% of complaints resolved within 15 days. Common complaints involve surrender value calculations (expectation mismatch on traditional plans) and occasional app glitches post updates.

One balanced view from a verified buyer: "Bought Sampoorna Raksha in 2018 for Rs.1 crore cover, Rs.7,200/year. Vitality program gave me 8% discount in year 3 for fitness goals. When my colleague died suddenly in 2024, his Tata AIA claim was settled in 3 days—that convinced me I chose right."

 

How NiveshKaro Helps

Your unbiased guide to smarter insurance—because you deserve advice aligned with your goals, not commissions.

NiveshKaro offers zero-commission advisory with IRDAI-certified financial planners who've helped over 50,000 families choose the right life insurance based on needs, not sales targets. Unlike Tata AIA agents who earn 25-35% first-year commission (creating incentive to push higher-premium ULIPs and guaranteed plans over affordable term insurance), we don't earn commissions from product sales—just transparent advisory fees disclosed upfront.

We compare Tata AIA's Sampoorna Raksha Supreme Plus, Fortune Guarantee Plus, and Fortune Pro ULIP against 15+ insurers—LIC, HDFC Life, Max Life, ICICI Prudential, Bajaj Allianz, Kotak Life—across premiums, CSR, claim processing speed, hidden charges, and long-term value. Our analysis reveals when Tata AIA genuinely offers best value (guaranteed return plans at 7.2%, fastest claims, Vitality wellness benefits) versus when competitors deliver better deals (absolute lowest term premiums go to Max Life/Bajaj Allianz).

Our coverage calculator considers your specific situation: existing health, family medical history, liabilities, dependents, risk tolerance, fitness commitment (for Vitality benefits), and tax bracket—not generic "10x income" formulas. Response time: Within 24 hours of form submission, you receive personalized recommendations via WhatsApp/email, including whether Tata AIA's service excellence and brand trust justify any premium difference versus lowest-cost options.

Key differentiator: We'll tell you when Tata AIA is the smart choice (value ethical sales practices, want fastest claims, interested in Vitality wellness, prioritize customer service) and when you're paying extra for intangibles versus measurable benefits. No product pushing, no insurer bias—just data-driven clarity aligned with your best interests.

Start at niveshkaro.com today for expert guidance!

 

 

Frequently Asked Questions (FAQ)

Q: Is Tata AIA better than HDFC Life or Max Life for term insurance?

A: Tata AIA offers competitive premiums (Rs.7,320 vs HDFC's Rs.6,828 vs Max Life's Rs.6,450 for 30-year-old), but delivers faster claim processing (2-3 days vs 4-6 days) and highest persistency (89.2%). Choose Tata AIA for service quality and Vitality wellness; HDFC/Max for absolute lowest cost.

Q: What is Tata AIA's claim settlement ratio in 2026?

A: Tata AIA reported 99.06% CSR for FY 2024-25 per IRDAI data—settling 18,447 of 18,622 claims. Average processing time is industry-leading 2-3 days for straightforward cases, 48 hours for express claims. Rejections typically involve non-disclosure (44%) or fraud (28%).

Q: Can I buy Tata AIA insurance online without an agent?

A: Yes. Sampoorna Raksha Supreme Plus term insurance and Fortune Pro ULIP can be purchased 100% online through tataaia.com without agent involvement. Instant policy issuance for medically eligible applicants—policy document emailed within 30-60 minutes after payment and e-KYC verification.

Q: How does Tata AIA Vitality wellness program work?

A: Vitality rewards healthy living with premium discounts up to 10%. Earn points by: annual health checkups (free for members), gym visits, maintaining healthy BMI, completing fitness challenges tracked via wearables. Higher points = larger discounts + lifestyle benefits (gym discounts, health screening).

Q: Should I buy Tata AIA Fortune Guarantee Plus or bank FDs?

A: Fortune Guarantee Plus delivers 7.2% guaranteed returns vs bank FDs at 6.5-7%, plus life cover and tax-free maturity under Section 10(10D). FDs offer higher liquidity. Choose Tata AIA for 10+ year goals with life cover need; FDs for short-term goals or emergency corpus.

Q: What is Tata AIA's solvency ratio in 2026?

A: Tata AIA's solvency ratio is 1.96 as of Q3 FY 2024-25, well above IRDAI's minimum of 1.50. Strong financial health backed by Tata Sons and AIA Group—holds Rs.1.96 in assets for every Rs.1 of policyholder liability, ensuring robust claim-paying ability.

Q: Does Tata AIA accept NRI customers?

A: Yes. NRIs (Indian citizens living abroad) can purchase Tata AIA policies with NRE/NRO account integration. Premium payments via international cards/NRI accounts accepted. Servicing available via app/email/WhatsApp. Claim settlement processed seamlessly to NRI accounts with proper documentation.

 

 

About NiveshKaro.com & Disclaimer

NiveshKaro.com is a free, zero-commission platform connecting you with unbiased, certified financial advisors (IRDAI/SEBI/AMFI registered) for life insurance decisions. We don't sell products or handle claims—just expert guidance to empower your choices. Verify details independently; see Terms & Conditions. Start at niveshkaro.com today!

Disclaimer: All premium figures, CSR data, and financial metrics are indicative, based on publicly available IRDAI reports and Tata AIA disclosures as of December 2025. Actual premiums depend on age, health, medical history, sum assured, and underwriting. Product features and charges are subject to change—verify directly with Tata AIA or authorized advisors before purchase. This article is for educational purposes only and does not constitute financial advice. Consult IRDAI/SEBI-certified advisors for personalized recommendations.

Tata AIA Life Insurance Smart Income Plus A Non-Linked, Non-Participating, Individual Life Insurance Savings Plan

We, at Tata AIA Life, believe in protecting your dreams at various stages of life without compromising on your basic needs through ¬financial resources. You do not have to think twice to live your dreams as they now come with guaranteed payouts.

We present to you, Tata AIA Life Insurance Smart Income Plus, a limited pay income plan that meets tomorrow's requirements along with protecting your loved ones and dreams as it ensures you of guaranteed returns for the money invested.

Investment in this plan helps you fulfi¬ll your medium to long term goals such as Child’s Education/ Marriage/ Business start-up and Retirement planning.

Key Benefits

• Flexibility to choose between Regular Income or Endowment options
• Receive Guaranteed Payouts ranging from 120% to 160% of the Annualised Premium under Regular Income Option based upon premium payment term chosen
• Pay for 7/10/12 years, get guaranteed life cover for 15/21/25 years
• Enhance your protection with optional Riders
• Higher bene¬fit for female lives
• Receive tax bene¬fits u/s 80C and 10(10D), as per the applicable Income Tax laws

Tata AIA Life Insurance Diamond Savings Plan A Non-Linked, Participating Individual Life Insurance Savings Plan

Every individual has different needs at different stages of life. At Tata AIA Life, we believe in protecting your dreams at various stages of life without compromising on your needs through ¬financial resources. You do not have to think twice to live your dreams.

We present to you, Tata AIA Life Insurance Diamond Savings Plan, a limited pay insurance plan that meets tomorrow's requirements along with protecting your loved ones. Investing in this plan will help you ful¬fill your medium and long term goals, such as child’s education / second income and retirement planning.

Key Features

• Receive guaranteed income after premium payment term;
• Get vested Compound Reversionary Bonus and Terminal Bonus, if any; on maturity or on death
• Flexible policy term & premium paying term.
• Get life cover for the entire policy term;
• Enhance your protection with optional Riders; and
• Eligible for tax benefi¬ts under Section 80C and 10(10D) of the Income Tax Act, 1961, as amended from time to time.

Tata AIA Life Guaranteed Return Insurance Plan We, at Tata AIA Life, believe in protecting your dreams at various stages of life without compromising on your basic needs through fi¬nancial resources. You do not have to think twice to live your dreams as they now come with guaranteed payouts.

We present to you, Tata AIA Life Guaranteed Return Insurance Plan to meets tomorrow's requirements along with protecting your loved ones and dreams as it ensures you of guaranteed returns.

This plan helps you fulfi¬ll your medium to long term goals such as Child’s Education/ Marriage or Retirement planning etc.

 

Key Features

• Flexibility to choose Plan Option: Endowment, Regular Income or Whole Life Income
• Receive Guaranteed benefi¬ts on Maturity or Death
• Guaranteed Additions that boost corpus year on year under Endowment Option
• Flexibility to cover your spouse in same policy under Whole Life Income Option
• Choice of Policy Term with limited Premium Payment Term
• Enhance your protection with optional Riders

Tata AIA Life Insurance Fortune Pro Unit Linked Individual Life Insurance Savings Plan

LINKED INSURANCE PRODUCTS DO NOT OFFER ANY LIQUIDITY DURING THE FIRST FIVE YEARS OF THE CONTRACT. THE POLICYHOLDER WILL NOT BE ABLE TO SURRENDER / WITHDRAW THE MONIES INVESTED IN LINKED INSURANCE PRODUCTS COMPLETELY OR PARTIALLY TILL THE END OF THE FIFTH YEAR.

You worked very hard to earn your money. Now put your money to work more hard and increase itself. Presenting, Tata AIA Life Insurance Fortune Pro, unit linked, endowment individual life insurance savings plan that continuously increases your money over time and also provides protection to your loved ones.

The plan provides the flexibility of the policy term that allows you to adjust it in to your various financial needs and adjust itself to your desired growth level. By investing in this scheme, you can meet your long-term goals such as children's education, retirement planning and wealth creation.

With Tata AIA Life Insurance Fortune Pro, let your money work smartly.

Main Characteristics

• Flexibility to pay premium for one time or limited period as per your choice
• Regular loyalty additions to enhance investment
• Flexibility to choose from 11 fund options to increase investment opportunities
• Option to customize your plan with three additional unit riders
• Choice of Enhanced Systematic Money Allocation & Regular Transfer Investment Portfolio Strategy
• Tax Benefits U / S 80C and 10 (10D) of Income Tax Act, 1961

Tata AIA Life Insurance Fortune Maxima Unit Linked Whole Life Individual Savings Plan

Ensuring the financial security of one's near and dear ones is one of the primary objectives of life. Tata AIA Life Insurance Fortune Maxima, Unit Linked Whole Life Individual Savings Plan which allows you to fulfill this important life requirement with a greater degree of efficiency.

This plan allows you to maximize your whole life protection corpus with the power of market driven growth.
Investing in this scheme can help you fulfill your medium and a long-term goal such as children's education, retirement planning and building legacy for future generations.

Tata AIA Life Insurance Fortune Maxima, Protecting Your Dreams at a Life Time.

Main characteristics

• Pay the premium for one time or a limited period and get insurance cover for the whole life

• Regular loyalty additions to boost investment

• Flexibility to choose from 11 fund options to increase investment opportunities

• Option to customize your plan with three additional unit riders

• Choice of Enhanced Systematic Money Allocation & Regular Transfer Investment Portfolio Strategy

• Tax benefits, U / S 80C and 10 (10D) of Income Tax Act, 1961.

 

 

 

LINKED INSURANCE PRODUCTS DO NOT OFFER ANY LIQUIDITY DURING THE FIRST FIVE YEARS OF THE CONTRACT. THE POLICYHOLDER WILL NOT BE ABLE TO SURRENDER / WITHDRAW THE MONIES INVESTED IN LINKED INSURANCE PRODUCTS COMPLETELY OR PARTIALLY TILL THE END OF THE FIFTH YEAR.

We all want to ensure that our loved ones never fall short in terms of financial resources to live the life of their dreams. We all want and need to ensure that come what may, never compromise the standard of living of our loved ones. We also want to ensure that our debt and loan burden do not become a burden for them and their happiness.

For all of the above, we need to ensure that our family income is protected. And the best way to do this is a "pure term" insurance plan. Tata AIA Life Insurance Maha Raksha Apex Solution is the one that provides the necessary financial security to your family.

Tata AIA Life Insurance Maha Raksha Supreme, Non Linked, Non Participating, Individual Life Insurance Pure Risk Premium

The product offers you a wide range of options to meet the specific needs of your family, which cater to the needs of financial security.

 

Key Benefits

• Risk Cover Age limit up to 85 or option for full life coverage (up to 100 years of age)

• Inbuilt payout accelerator benefit that gives 50% of the basic sum assured in case of terminal illness diagnosis

• Increase in the life cover at future milestones in your life with the Life Stage Plus option, without the hassle of fresh medical underwriting

• Pay only once, for a limited period or during the policy term

• Option to increase protection through rider

• Concessional rate for female life and standard premium rate for non-smokers

• Tax benefit is as per applicable tax laws