Information Density: Tata AIA Life Insurance – Signal Evidence & AI Readability

Tata AIA Life Insurance

(https://tataaia.com) 📸 Data Snapshot: June 19, 2026
Information Density — The Lens

Classify each sentence as substantive or hollow. Grounding markers — numbers, currencies, dates, technical units, named entities — outweigh marketing adjectives. When fluff sits right next to hard evidence, the fluff is forgiven.

Info Density Power-words vs. Substance ratio.
24 Impact Weight: 30 / 100
80% Reputation

The site maintains a high density of technical substance, citing specific product UINs like 110N176V12 and exact premium amounts such as ₹678/month. While power words like best and top-selling appear in headings, the body text is saturated with measurable outcomes, such as the 17.65% 5-year returns and the 99.41% claim settlement ratio. Generic marketing fluff is largely secondary to functional content like calculators and a massive form repository in the Download Centre. Concept repetition is present regarding the claim settlement ratio, but it serves as a core trust signal rather than a filler.

Information Density is read straight from the body copy: how much of the text carries grounded, checkable substance versus hollow filler. Below is the clean text the engine analyzed, then the industry’s known generic-claim patterns to weigh it against.

📝 The Narrative — clean text per page (the substance-vs-filler signal)
HOMEPAGE (https://tataaia.com) Life Insurance – Buy Best Life Insurance from Tata AIA Life Insurance Online in India 2026
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[IMG: Tata AIA Life Insurance — #1 in Retail Sum Assured]

In this policy the investment risk in the investment portfolio is borne by the policyholder

New Fund Offer

5 year CAGR of Benchmark Index2: 17.81%

Tax free3 returns
NFO Closes on 30th Jun’26​

Plan now

217.81% is the 5-year CAGR of of Nifty 500 Multifactor MQVLv 50 Index (customized) as of Mar’26.
2Life cover included. Available with Tata AIA ULIPs. Past performance is not indicative of future performance. T&C apply... Read More The linked insurance product does 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 until the end of the fifth year.

[IMG: Tata AIA Life Insurance — #1 in Retail Sum Assured]

#1 in Retail Sum Assured1

Get ₹1.5 Cr Life Cover at ₹678/month2

Buy one, Gift one: Save 5% off10
99.41% Claim Settlement Ratio4

Plan now

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3Applicable for individual life insurance policies. 4Individual Death Claim Settlement Ratio. T&C apply.

[IMG: Tata AIA Life Insurance — #1 in Retail Sum Assured]

In this policy, the investment risk in the investment portfolio will be borne by the policyholder.

Pay 8,848/month5,

Get ₹1 Cr Life Cover + ₹4.6 Cr Tax-free3 returns

19.87% Returns6
All funds rated 4 or 5 stars7

[IMG: Param Raksha Life Pro+]

Plan now

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1Illustrative returns @4%: 34.8 Lakh | @8%: ₹90.6 Lakh | @14.88%: ₹4.3 Cr
214.88% is the 5-year CAGR of Nifty 500 Index fund as of Feb’26, which is projected for 30 years after adjusting for all expenses. Available with Tata AIA Premier SIP. Past performance is not indicative of future performance. Returns are illustrative only and not guaranteed. T&C apply... Read More Illustration shows a monthly premium of ₹15,000 for Tata AIA Premier SIP for a 25-year-old male, standard life, premium payment term: 12 years, policy term: 30 years in Future Secure plan option. The linked insurance product does 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 until the end of the fifth year.

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[H2] Top Selling Plans by Tata AIA Life Insurance

BESTSELLER

[H3] Term Plans
Get ₹1.5 Cr Life Cover @678/month2

21.54% RETURNS

[H3] Term + Wealth Plans
Get ₹1 Cr Life Cover + 17.65% 5-yr Returns6 (Benchmark: 14.86%)

₹46 Lakh+ Returns

[H3] Guaranteed Returns  Plans
Get ₹46 Lakh+ Guaranteed7 Tax Free3 Returns8

New Fund Offer

[H3] Wealth Plans/ULIPs
Get 17.65% 5-yr Returns (Benchmark: 14.86%)6 + 0 LTCG tax3

CANCER COVER

[H3] Health Plans
Cancer cover with 30-yr fixed premium + flexible payouts

[H3] Retirement/Pension Plans
Build corpus with top rated funds5

7T&C apply. Life cover included.

I am a new customer

Existing customer

Help me to

Manage policy
Get in touch
Pay premium
Submit a claim
File a complaint

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I want to

Calculate term plan premium
Save for my child’s future
Get high life cover + build wealth
Get guaranteed long-term returns
Plan for my retirement

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[H2] Life Insurance - Calculate your life insurance premium in just 2 steps

[H3] Term plans

[H3] Term + Wealth plans

[H3] Wealth plans/ULIPs

[H3] Guaranteed returns plan

[H3] Health plans

[H3] Retirement/Pension plans

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[H2] Tata AIA Sampoorna Raksha Promise

Non-Linked, Non-Participating, pure risk, Individual Life Insurance Product (UIN:110N176V12). T&C apply.

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Tata AIA Sampoorna Raksha Promise

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Get ₹1.5 Crore life cover at 678/month2

Avail up to 18.5% discount (1st year premium)11

Get 100% premium back12

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[H2] Tata AIA Param Raksha Life Pro +

65 year returns as of Apr’26.
In this policy, the investment risk in investment portfolio is borne by the policyholder.
This advertisement is designed for combination of benefits of following individual and separate products named (1) Tata AIA Smart Sampoorna Raksha Supreme, Unit Linked, Non-Participating Individual Life Insurance Plan (UIN: 110L179V02) and (2) Tata AIA Health Buddy, Non-Participating, Non-Linked, Individual Health Product (UIN: 110N183V01). These products are also available for sale individually without the combination offered/suggested.
The linked insurance product do not offer any liquidity during the first five years of the contract. The policy holder will not be able to surrender/withdraw the monies invested in linked insurance products completely or partially till the end of the fifth year.
Benchmark name: S&P BSE 200. T&C apply.

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Param Raksha Life Pro +

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High life cover for comprehensive protection

17.65% 5-yr returns with Multi Cap Fund (Benchmark: 12.01%)6

Invest in funds rated 4 or 5 Stars5 by Morningstar13

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[H2] Tata AIA Fortune Guarantee Plus

The complete name of Tata AIA Fortune Guarantee Plus is Tata AIA Life Insurance Fortune Guarantee Plus (UIN: 110N158V14) - Non-Linked, Non-Participating, Individual Life Insurance Savings Plan. T&C apply.

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Tata AIA Fortune Guarantee Plus

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Get 100% Guaranteed7 and Tax-free3 benefit

Enjoy long term income + life cover

Get cover against 40 critical illnesses14

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[H2] Tata AIA Premier SIP

65 year returns as of Apr’26. Life cover included.
In this policy, the investment risk in investment portfolio is borne by the policyholder.
Tata AIA Premier SIP is a combination of the Tata AIA Smart SIP, a non-participating, unit-linked, individual life insurance savings plan (UIN: 110L174V02) and Tata AIA Health Buddy, a Non-participating, Non-Linked, Individual Health Product (UIN:110N183V01). Both Tata AIA Smart SIP and Tata AIA Health Buddy are also available for sale individually.
The linked insurance product do not offer any liquidity during the first five years of the contract. The policy holder will not be able to surrender/withdraw the monies invested in linked insurance products completely or partially till the end of the fifth year. Benchmark name: S&P BSE 200. T&C apply.

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Tata AIA Premier SIP

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17.65% 5-yr returns with Multi Cap Fund (Benchmark: 14.86%)6

Invest in funds rated 4 or 5 Stars5 by Morningstar13

Zero premium allocation charges

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[H2] Tata AIA Smart Pension Secure

In this policy, the investment risk in investment portfolio is borne by the policyholder.
Tata AIA Smart Pension Secure (UIN: 110L182V09) - Non-Participating, Unit Linked, Individual Life Insurance Pension Plan
The linked insurance product do not offer any liquidity during the first five years of the contract. The policy holder will not be able to surrender/withdraw the monies invested in linked insurance products completely or partially till the end of the fifth year.

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Tata AIA Smart Pension Secure

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Build retirement corpus with top rated funds5

Zero premium allocation charges

Withdraw fund for emergencies15

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[H2] Tata AIA Sampoorna Care - Cancer Fund

In this policy, the investment risk in investment portfolio is borne by the policyholder.
Tata AIA Sampoorna Care - Cancer Fund comprises of Tata AIA Health SIP - A Non-Participating, Unit-linked, Individual Health Insurance Plan (UIN: :110L184V02), Tata AIA Health Buddy, A Non-linked, Non-participating, Individual Health Product (UIN: 110N183V02) and Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider (UIN: 110B033V05). Tata AIA Health SIP and Tata AIA Health Buddy are also available individually for sale.
The linked insurance product do not offer any liquidity during the first five years of the contract. The policy holder will not be able to surrender/withdraw the monies invested in linked insurance products completely or partially till the end of the fifth year.
Life cover included. T&C apply.

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Tata AIA Sampoorna Care - Cancer Fund

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Flexible payouts on cancer diagnosis

Health fund creation with market-linked9 returns

Premium rate fixed for 30 years

[H1] Life Insurance

Life insurance is a legally binding contract between you (the policyholder) and a life insurance company that provides financial protection to your loved ones. In return for paying your premiums on time, the insurer promises to pay a pre-agreed amount, known as the sum assured or life cover... Read more , to your nominee if you pass away during the policy term. Many life insurance plans also offer benefits for critical or terminal illnesses, and you can add optional accident or disability cover for extra protection. To get accurate life insurance quotes, you must share your health and lifestyle details honestly and choose between a single premium or regular premiums. This helps you find the right life insurance plan to support your family’s long-term financial stability. Read less

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[H3] Can't decide on a term insurance pIan?
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Non-Linked, Non-Participating, pure risk, Individual Life Insurance Product (UIN:110N176V11)

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Best Seller
Tata AIA Sampoorna Raksha Promise

Get ₹1 Crore Life cover @ ₹826/month1

Age: 25
Cover till age: 60 yrs
Payment duration: 35 yrs

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99.41% Individual Death Claim Settlement Ratio2

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pay later option Defer premium by
12 months3

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Instant Payout on terminal illness

Customize plans for you

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[H2] Types of Life Insurance

Life insurance comes with many choices, each designed for different financial needs. Some focus on protection, while others... Read more combine savings or future security. To help you decide what fits best, here are the main types of life insurance plans you should know about: 1. Term Plan 2. ULIPs 3. Endowment Policy 4. Money Back Policy 5. Retirement Plans 6. Child Plans 7. Participating Life Insurance Plans 8. Capital Guarantee Plans 9. Whole Life Insurance 10. Annuity Plans Read less

[H3] 1. Term Plan

A term insurance plan is the basic type of life insurance that provides financial protection for a specific time period, called the policy term and involves a fixed premium. A term insurance plan protects your family in your absence. With this type of life insurance, your family can cover expenses such as a child's fees, home loans, groceries, and more. Benefits:
Comprehensive life cover at affordable premiums
Tax benefits3 as per applicable tax laws.

Calculate Premium Know more

[H3] 2. ULIPs

Unit Linked Insurance Plans (ULIPs) combine life insurance and investment opportunities. Besides providing life insurance cover for your loved ones, it allows you to invest a part of your premium payments in market-linked9 funds for wealth creation over time. With ULIPs, you have the ability to switch funds and take advantage of tax benefits3 on your premiums and maturity proceeds.
Based on your risk appetite, you can choose to invest in Equity, Debt, and a balanced fund option. Also, to maximise your returns from ULIP policy, you can move your investment between different funds.
Benefits:
Life cover + Wealth creation with market-linked9 funds
Tax-free3 returns
Flexibility to choose from 20+ funds with unlimited switching options

Calculate Returns Know more

[H3] 3. Endowment Policy

Endowment policies provide guaranteed17 returns and life insurance protection. With an endowment plan, you can enjoy comprehensive coverage while saving regularly. Once the policy matures, the policyholder receives a lump sum. Death benefits will be payable to your nominee in the event of an unfortunate event during the policy term.
Benefits:
Life cover + savings option
Tax-free3 returns

Calculate Returns Know more

[H3] 4. Money Back Policy

Money back policies are endowment assurance plans providing both life insurance and savings. In this plan, you get life insurance coverage and regular returns during the policy's term. This plan can help you save for a dream house, your child's future, and more.
Benefits:
Guaranteed7, long-term regular income
Tax-free3 returns

Calculate Returns Know more

[H3] 5. Retirement Plans

A retirement plan is designed to ensure that individuals receive a steady income or lump sum after retirement by saving and investing funds during their working years. Having these plans gives you security and covers expenses when you don't have regular income.
With Tata AIA's retirement and pension plans, you can enjoy financial security during your golden years. These plans offer guaranteed18 income as well as flexibility to meet retirement needs. There are two types of retirement plans: one that offers fixed lifetime guarant
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SUB-PAGE (https://tataaia.com/contact-us.html) Contact Us – Tata AIA Life Insurance
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Home Contact Us - Tata AIA Life Insurance

[H1] Connect with Us
At Tata AIA Life Insurance, we strive to provide you with the best service and support throughout your insurance journey with us. We use a wide range of convenient contact touchpoints & digital support features to help you reach us anytime and from anywhere.
If you have any queries, or if you are in need of any help, we are here to help you every step of the way. Please feel free to contact us through our online or offline touchpoints.

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[H4] 99.41%
Individual Death Claim Settlement Ratio for FY 2024 – 25*
Register claim

[H6] Less than 60 Secs
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[H2] 85%

transactions are done by customers through the self-service digital channels

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[H6] Great, your complaint has been successfully noted.

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[H3] WhatsApp
7045669966

For application & policy related queries.

[H3] Call
1-860-266-9966
For Indian Residents

Mon - Sat | 10 am - 7 pm IST Call charges apply.

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[H3] Email
customercare@tataaia.com

For application & policy related queries.

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[H3] Call
022 6251 9966
Dedicated NRI Helpdesk

Mon - Sat | 10 am - 7 pm IST Call charges apply.

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[H3] Email
nrisupport@tataaia.com
Dedicated NRI Helpdesk

For Application & policy related queries (NRI customers only).

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[H6]

TATA AIA Life Insurance, Orchid Plaza, 4th Floor, Natakwala Ln, Borivali West, Mumbai, Maharashtra 400092

TIMINGS
Mon- Fri, 10AM - 6PM

[H3] Tata AIA, GIFT City Branch

Seat No.: 1 To 6,
Unit No.: GB–29), Ground Floor,
Pragya Accelerator,
Block No.: 15, Zone–1,
Road No.: 1C,
GIFT - Multi SEZ - PA,
Gift City, Gandhinagar - 382355, Gujarat

Mon to Fri: 9 am – 5 PM

Our Philosophy
At Tata AIA Life Insurance, we are committed to protecting our extended family—our customers, and to offer them the best-in-class services. Our Grievance Redressal Team comprises senior officials who are experts in the field, and come with years of experience to make the process simple and convenient . We are committed to resolving concerns promptly, and in a fair and transparent manner, with your best interests at heartmindful of customers’ interests. We also believe that complaints provide us greater insights into what the customers want, and help us in serving you better.

Customer Feedback
We are obsessed to provide the best customer service to you! We seek to refine your experience with Tata AIA Life Insurance constantly and your valuable feedback on our products and services puts us on the right track. Please do take out some time and provide your valuable feedback & suggestions to assist and help us in serving you better, always.

Compliments Suggestions Complaints

[H2] Super !

[H6] Thank you so much for your appreciation. It means alot to us.
Please continue supporting us and loving us which allows us to constantly grow and serve you better.
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[H2] Failed to raise compliment

[H4] Sorry, we could not raise your compliment. Please try again.
You may also mail us at customercare@tataaia.com
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[H2] Super !

[H6] Thank you so much for your suggestion. It means alot to us. We will surely see how we can execute this. We believe ideas/suggestions from you are great source of a insights
Please continue supporting us and loving us which allows us to constantly grow and serve you better.
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You may also mail us at customercare@tataaia.com
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[H6] Great, your complaint has been successfully noted.

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[H4] Sorry, we could not raise your complaint. Please try again.

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SUB-PAGE (https://tataaia.com/customer-service/download-centre.html) Tata AIA Download Centre – Forms, Claims, and More
Home Customer Service Tata AIA Download Centre – Forms, Claims, and More

All Forms Bonus History Application Form Withdrawn Products

Language

Most downloaded

Critical Illness Claimant's Statement
Request Form for Fund Switch / Premium Redirection / Smart Option
Personal Details Change Form

Claim Forms

Physician's Statement New Add
Disability - Claimant's statement
Critical Illness - Claimant's Statement
TALIC- Death claim form
Critical Illness - Medical Report
Disability - Physician's statement
Critical Illness Claimant's Statement
TALIC- Death claim form
Disability-Physician's statement
Death Physician Statement
Critical Illness Medical Report
Disability-Claimant's Statement_Assamese.pdf
Physician's Statement New Add
TALIC- Death Claim Form
Disability - Claimant's statement
Critical Illness - Claimant's Statement
Critical Illness - Medical Report
Disability - Physician's statement
TALIC- Death claim form
Critical Illness Claimant's Statement
Critical Illness Medical Report
Physician's Statement New Add
Disability Claimant's statement
Critical Illness - Medical Report
Disability - Physician's statement
TALIC- Death claim form
Disability - Claimant's statement
Physician's Statement New Add
Critical Illness - Claimant's Statement
Disability - Physician's statement
Physician's Statement New Add
Critical Illness - Medical Report
TALIC- Death claim form
Disability - Claimant's statement
Critical Illness - Claimant's Statement
Physician's Statement New Add
Disability - Claimant's statement
Critical Illness - Claimant's Statement
TALIC- Death claim form - 15_12_2017 (New Logo)
Critical Illness - Medical Report
Disability - Physician's statement
Disability - Claimant's statement
Claim Hospitalization
Individual Death Claim Form
Critical Illness Claimant's Statement
Claim process - COVID-19 FAQs
Pradhan Mantri Jeevan Jyoti Bima Yojana
Death-Physician Statement
Disability - Physician's Statement
Critical Illness - Medical Report
Critical Illness Claimant's Statement
TALIC- Death claim form - 15_12_2017 (New Logo)
Physician's Statement New Add
Critical Illness - Medical Report
Disability-Physician's statement
Disability-Claimant's statement
Disability - Physician's statement
Disability - Claimant's statement
Critical Illness - Medical Report
Critical Illness - Claimant's Statement
TALIC- Death claim form - 15_12_2017 (New Logo)_Odia.cdr
Physician's Statement New Add
Disability - Claimant's statement
Hospitalisation & Dismemberment-Medical Report
Critical Illness - Claimant's Statement
Disability - Physician's statement
Critical Illness - Medical Report
Physician's Statement New Add
Critical Illness - Claimant's Statement
Physician's Statement New
Disability - Physician's statement
Critical Illness - Medical Report
Disability - Claimant's statement
Death claim form

Policy Servicing Forms

Request Form for Top-up Premium
NRI Questionnaire
Accumulation Reinvestment Cancellation Form
Health Certificate
Consent Form v5.0
Cheque Reissue Form
Form of Assignment Cancellation
EIA form copy
Disability - Physician's statement
GST Exemption Declaration Form
HDFC Mandate
Health Certificate (multiple members)
Loan Form
Life Verification Certificate
Assignment Form
Life Stage Option Form
Nomination Form
Personal Details Change Form
Policy Details Change Form
Freelook Cancellation form
Ownership Change Form
FATCA / CRS Self Certification - Individual
Surrender Request Form
Partial Withdrawal Form
FORM - 121 (Erstwhile FORM NO 15G & 15H)
Maturity Claim Form – Traditional Endowment
Maturity Claim Form – Traditional Pension
Maturity Claim Form - ULIP Endowment
Request For Fund Switch & Premium Redirection
Maturity Claim Form - ULIP Pension
Maturity Claim Form – Traditional Endowment
Maturity Claim Form - ULIP Endowment
Maturity Claim Form – Traditional Pension
National Automated Clearing House (NACH) Mandate
Nomination Form_v5.0
RFC-Invest Assure I v5
STANDING INSTRUCTION FORM for UNITED BANK OF INDIA
Re-Assignment Form_v5.0
RFC-InvestAssure Flexi v5.0
RFC-Invest Assure Gold v5.0
RFC-Invest Assure Ujjwal Bhawishya v5.0
Rev Health Certificate Ver 5 New Add 14
RFC-Invest Assure Insta v5.0
Loan Form V5.1
Policy Lost Declaration_v5.0
Consent Form_v5.0
Request for Change Form Supreme Series_v5.0
RFC-Invest Assure Optima v5.0
Existence Certificate_v5.0
Assignment Form V5.3
RFC-InvestAssure Health v5.0
RFC with UL consent_v51.eps
RFC for opting LSPO_v5.0
RFC-Invest Assure Swarna Jeevan v5.0
RFC-Invest Assure Jeevan Lakshya v5.0
Cheque Retrieval and Reissue Form_v5.0
Existence Certificate V5.0
RFC-Invest Assure Gold V5.0
RFC- Invest Assure Swarna Jeevan V5.0
RFC Invest Assure Optima V5.0
RFC with UL consent V5.0
Request for Change Form Supreme Series V5.0 Eng to Assamese
Re-Assignment Form V5.0
RFC- Invest Assure Ujjwal Bhawishya V5.0
RFC-InvestAssure Health_v5.0
Rev Health Certificate Ver 5 New
RFC InvestAssure Flexi V5.0
STANDING INSTRUCTION FORM for UNITED BANK OF INDIA
RFC-Invest Assure I V5
RFC- Invest Assure Insta V5.0
RFC- Invest Assure Jeevan Lakshya V5.0
Policy Lost Declaration V5.0
Consent Form V5.0
Cheque Retrieval and Reissue Form V5.0
Nomination Form V5.0
RFC for opting LSPO V5.0
Loan Form V5.1
Assignment Form V 5.3
RFC with UL consent v5.0
RFC-InvestAssure Flexi v5.0
Consent Form v5.0
Policy Lost Declaration v5.0
Cheque Retrieval and Reissue Form v5.0
RFC-Invest Assure I v5
Rev Health Certificate Ver 5 New Add
Re-Assignment Form v5.0
RFC for opting LSPO v5.0
RFC-Invest Assure Jeevan Lakshya v5.0
Assignment Form V 5.3
RFC-Invest Assure Optima_v5.0
RFC-Invest Assure Swarna Jeevan v5.0
RFC-Invest Assure Gold v5.0
RFC-Invest Assure Ujjwal Bhawishya v5.0
Request for Change Form Supreme Series v5.0
Loan Form V5.1
Existence Certificate v5.0
RFC-Invest Assure Insta v5.0
STANDING INSTRUCTION FORM for UNITED BANK OF INDIA
Nomination Form v5.0
Request for Change Form Supreme Series_v5.0
ULIP SinglePay TermsConditions
Cheque Retrieval and Reissue Form v5.0
RFC for opting LSPO_v5.0
iRaksha TROP TermsConditions
RFC-Invest Assure Gold_v5.0
RFC-Invest Assure Ujjwal Bhawishya_v5.0
GRIP Option2 Regularpay SingleLife TermsConditions
Traditional TermsConditions
RFC-Invest Assure Optima_v5.0
MRS Regular TermsConditions
RFC-Invest Assure Insta_v5.0
Re-Assignment Form v5.0
RFC-Invest Assure Swarna Jeevan_v5.0
Consent Form v5.0
Traditional FGplus Singlepay TermsConditions
Existence Certificate v5.0
Nomination Form v5.0
Term TROP TermsConditions
SAP Option2 TermsCondition
MRS Limitedpay TermsConditions
Value Income Plan Option1 TermsConditions
GRIP Option3 Regularpay JointLife TermsConditions
MRS Singlepay TermsConditions
ULIP TermsConditions
RFC with UL consent_v5.0
GRIP Option3 Regularpay SingleLife TermsConditions
RFC-Invest Assure I_v5
Traditional FGplus Regular TermsConditions
SAP Option3 TermsConditions
STANDING INSTRUCTION FORM for UNITED BANK OF INDIA
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Rev Health Certificate Ver 5 New Add
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Policy Lost Declaration_v5.0
RFC with UL consent_v5.0
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Nomination Form_v5.0
RFC-Invest Assure Gold_v5.0
Existence Certificate_v5.0
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Others

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FAQs COVID 19 Corona Virus Pandemic
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SUB-PAGE (https://tataaia.com/life-insurance-plans/term-insurance.html) Buy Best Term Insurance Plan & Policy Online in India 2026
Home Life Insurance Plans Term Insurance Plans

[H1] Term Insurance

Term insurance is the type of life insurance. In exchange for a fixed premium, it provides financial protection for a specific... Read more period. The term insurance plan protects the financial needs of your dependants in the event of your absence. In the event of your death, your nominee will receive a death benefit that can be used to cover basic living expenses, such as food, clothing, healthcare, education, and so on. For example, a 27-year-old opting for a term insurance plan can ensure a ₹1 Crore life cover for his family at a low monthly premium, providing financial security in case of unforeseen events. Therefore, it is crucial that you purchase the best term insurance plan for your family's financial security. Read less

4.7

Rated by 1,16,103 customers

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Get ₹1.5 Cr. Life Cover at ₹678/month31

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Up to 18.5% discount2 (1st year premium)

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Return of premium3 option

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Cover yourself & spouse - both get 5% off30

4T&C apply

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[H2] Term Insurance Calculator

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[H2] Term Insurance Calculator

Life Cover (₹)

1 Crore
1.5 Crore
2 Crore
3 Crore
4 Crore
5 Crore

Policy Term

Payment Mode

Monthly
Annually

Occupation

Salaried
Self-employed

[H2] Here's your customized plan

Get Life Cover of ₹1 Crore by paying a premium of

₹7,085/month

Total premium: ₹14.09 Lakh

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1st year premium (with discount): 
₹21,749/month
2nd year onwards premium: ₹8,287/month

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Save ₹1,202 with discounts

₹ 4.2 Lakh

₹ 1 Crore

You Pay (Total)

You Get (Life Cover)

Discounts

10% Online discount

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10% discount on 1st year premium is applicable on online purchase. This discount is auto-applied and can’t be removed

8.5% Salaried discount

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8.5% discount on 1st year premium is applicable for salaried personnel. You will need to share your corporate email ID if you opt for this discount. This discount is auto-applied if you select ‘Salaried’ as your occupation and can’t be removed

25%Tata Group Employee Discount

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Applicable only if the policy is bought digitally. Some discounts will not be available when this option is selected.

1% Autopay discount

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1% discount on 1st year premium for all payments paid through any permissible electronic mode debited through an auto-debit mandate. Maximum discount capping: ₹100 over the year.

2% Milestone discount

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2% discount on 1st year premium on these milestones

Event
Eligibility

Wedding (1 wedding only)
Within 6 months before or after the date of wedding

Birth/ Adoption of 1st child*
Within 6 months before or after the birth/ adoption date

Home loan
Within 6 months of loan getting sanctioned

First job
Within 6 months of joining date

*Policy issuance eligibility for female customers will be determined by Board Approved Underwriting Policy (BAUP)
The above milestones cannot be clubbed to avail more discount, Such discount shall be capped to a maximum of ₹500 over the year.

15% lower premium for women (every year)

Buy Together discount

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Save up to 5% when you and a family member purchase policy together. Some discounts will not be available when this option is selected.

A certified Tata AIA expert will call you from a 1600‑series number to customize your plan.

Buy your plan

Education
Post Graduate Graduate
Please select an option

Minimum income: ₹5 Lakh
Annual Income (₹)

Corporate Email Id

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[H2] Buy 2, save 5% discount
Select details for the 2nd Policy

Relationship
Father Mother Spouse Brother Sister Father-In-Law Mother-In-Law Sister-In-Law Brother-In-Law Son-In-Law Daughter-In-Law Grandfather Grandmother Granddaughter Grandson Uncle Aunt Nephew Niece Cousin
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Tata AIA Sampoorna Raksha Promise - Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN:110N176V12)

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[H2] Term Insurance Options: Coverage that fits your budget

Term insurance
Best Seller
₹1 Crore
at ₹501/month1
Check Price

Term insurance
₹2 Crore
at ₹804/month6
Check Price

₹3 CroreTerm insurance
at ₹1159/month5
Check Price

Term insurance
₹5 Crore
at ₹1817/month7
Check Price

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Written by
[H2] Vishal Kapoor

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Insurance Expert

[H2] Vishal Kapoor

Vishal Kapoor, AVP - Brand & Product Marketing at Tata AIA, has over 17 years of experience in the BFSI sector. He is responsible for driving brand strategy, product & channel marketing campaigns.

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Reviewed by
[H2] Girish J Kalra

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Chief Marketing Officer

[H2] Girish J Kalra

Girish J Kalra, Chief Marketing Officer at Tata AIA, leading the organizations marketing & corporate communication initiatives..

[H2] What is Term Insurance?
Term insurance policy is a basic form of life insurance offering financial protection for a specific period. The nominee of a term insurance policy will receive a financial benefit if you die during the policy period.
The purpose of term life insurance is to provide financial benefits only in the event of the policyholder's death during the term period. This policy does not return any financial value if you survive its term. You can choose term insurance with return of premium if you wish to get your premiums back after the policy term ends
When you buy term insurance, you pay regular premiums in exchange for a financial benefit that goes to your nominee in the event of your untimely demise
For example, a 30-year-old Akshay opts for a ₹1 crore cover for 30 years and pays around ₹12,000 annually. If something happens within those 30 years, Akshay’s family receives ₹1 crore. If not, the policy simply ends, unless there’s a return of premium feature.

[H4] Benefit Illustration

Pure Protection
Pure Protection with Rider Option
Protection with Return of Premium

[H4] Pure protection

Mr. Nakul, 30-year-old, Male, salaried professional

Life cover: ₹1 Crore

Annual Premium: ₹9,135

Pays premium term: 40 years

Gets Cover for: 30 years

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Age 30

[H4] Policy starts from Day 1
Coverage begins the moment your policy is issued.

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Age 50

[H4] In case of death
Your nominee gets ₹1 Crore, and the policy ends.

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Age 60

[H4] If Survived
No benefit will be paid and life cover ends.

Get customized quote

[H4] Pure protection with Riders

Mr. Satish, 35-year-old, Male, salaried professional

Life cover: ₹1 Crore

Annual Premium26: ₹12,614

Pays premium term: 30 years

Gets Cover for: 40 years

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Age 30

[H4] Policy starts from Day 1
Coverage begins the moment your policy is issued.

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Age 48

[H4] Accident happens
Gets a lump sum of ₹1 Crore under the ATPD & rider terminates.

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Age 55

[H4] Diagnosed with
critical illness
Receives ₹10 Lakhs under the CCP & rider terminates

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Age 60

[H4] In case of death
Your nominee gets ₹1 Crore, and the policy ends.

Get customized quote

[H4] Pure protection with Return of Premium

Mrs. Lekha, 30-year-old, Female

Life cover: ₹1 Crore

Annual Premium27: ₹17,711

Pays premium term: 30 years

Gets Cover for: 30 years

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Age 30

[H4] Policy starts from Day 1
Coverage begins the moment your policy is issued.

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Age 50

[H4] In case of death
Your nominee gets ₹1 Crore, and the policy ends.

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Age 60

[H4] If Survived
₹6,48,840 paid as Maturity Benefit, life cover ends.

Get customized quote

Our bestselling Term Insurance plans
Choose a Tata AIA term insurance plan that suits your needs:

[H2] Tata AIA Sampoorna Raksha Promise

Tata AIA
Sampoorna Raksha Promise
Get ₹1 Cr life cover @501/month1
Up to 18.5% discount2 ( on 1st year premium)
Option to get all premiums back3
Know More
Calculate Premium

Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN:110N176V11)

[H2] Tata AIA Maha Raksha Supreme Select

Tata AIA
Maha Raksha Supreme Select
Get ₹2Cr life cover @ ₹683/month8
Up to 18.5% discount2 ( on 1st year premium)
Waiver of premium if diagnosed with terminal illness
Know More
Calculate Premium

Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN: 110N171V15)

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Here is an example to help you understand our term plans better.

Purchasing a policy: Vishal undergoes medical testing, completes the health assessment, and starts paying premiums.
During policy term: In order to maintain the desired life insurance coverage, he continues to pay premiums.
Death during the policy term: In the event of Vishal's death during the tenure of the policy, his beneficiary/nominee receives the tax-free9 death benefit amount of Rs. 1 crore.
Outlives the policy term: Vishal’s term plan ends on his 60th birthday. Vishal would receive all his premiums back if he had opted for the term plan return of premiums option.

[H3] Can't decide on a term insurance pIan?
Share your needs and get
Personalized suggestions
Customizable quotes

Non-Linked, Non-Participating, pure risk, Individual Life Insurance Product (UIN:110N176V11)

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Best Seller
Tata AIA Sampoorna Raksha Promise

Get ₹1 Crore Life cover @ ₹826/month1

Age: 25
Cover till age: 60 yrs
Payment duration: 35 yrs

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99.41% Individual Death Claim Settlement Ratio2

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pay later option Defer premium by
12 months3

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Instant Payout on terminal illness

Customize plans for you

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[H2] Why should you buy a term insurance plan?
Purchasing a term insurance plan helps ensure financial security for your loved ones in your absence.​ Here is how a term insurance plan can help you

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[H3]
Financial protection for the family
In the event of the policyholder's untimely demise, the term insurance plan helps ensure that the family receives a lump sum amount. It helps them maintain their lifestyle and meet financial obligations.​

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[H3]
Affordable premiums
Term insurance plans are generally cost-effective. For instance, a ₹1 Crore life cover starts at ₹501 per month1, making it accessible for individuals across various income levels

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[H3]
Tax9 benefits
Term insurance provides financial security as well as tax benefits9. There is 0% GST on term plans, making them cost-effective. Further, policyholders can avail tax deductions9 on the premiums paid under Section 80C of the Income Tax Act, improving long-term savings.

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[H3]
Coverage against critical illnesses
Many term insurance plans offer riders10 that provide additional coverage against critical illnesses, ensuring comprehensive protection.

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[H3]
Debt repayment support
In case of the policyholder's death, the sum assured can be used to repay outstanding debts, preventing a financial burden on the family.​

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[H3]
Income replacement
The payout can help maintain the family’s standard of living, covering daily and long-term expenses.

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[H3]
Long-term financial stability
It becomes a foundational part of financial planning, offering security across different life stages.

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[H3]
Peace of mind
There is a certain confidence that comes from knowing your family is protected, regardless of uncertainties.

[H2] Examples for policyholders at every life stage
The following examples show why choosing the right term insurance plan is important at every stage of life.

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[H3] Aarav (Age 26) – Early career professional
Aarav has just started his first job and wants affordable financial protection for his family.
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