Key Features

• Top Rated Funds
  Our funds have been rated 4 or 5 stars⁸ by Morningstar⁹, reflecting their strong performance and reliability.


• Get Financial Protection
  The life cover under this policy offers a lump sum benefit to your loved ones in the case of any unfortunate event.


• Comprehensive Coverage
  This plan provides comprehensive coverage against Accidental Death, Accidental Total and Permanent Disability and Terminal Illness.


• Affordable Premiums
  Choose premium payment term basis your convenience starting from 5 years up to 67 years.


• Terminal Illness Cover with Term Booster¹
  If the life insured is diagnosed with a terminal illness, they will receive 10% of the sum assured under the life insurance policy.


• Get Total Fund Value + Tata AIA Vitality Protect Advance Premiums Back
  Apart from the total fund value as maturity⁷amount, you will also get back all the premiums paid by you towards Tata AIA Vitality Protect Advance at the end of the policy term.


• Accidental Death
  An additional sum assured, will be paid to your family in case of accidental death. Benefit will be doubled⁴ in case of death due to accident in public transport or other specified circumstances.


• Avail Wellness Program
  Earn rewards for following a healthy lifestyle through the Tata AIA Vitality Wellness10 Program with the benefit of up to 10%¹¹ upfront premium discount on Tata AIA Vitality Protect Advance premiums in the 1st year.


• Get Income Tax Benefits
  Get income tax⁶ benefits as per applicable income tax laws and save more

Disclaimers

• 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
• Param Raksha Life Pro + solution comprises of Tata AIA Smart Sampoorna Raksha Supreme, A Non-participating, Unit Linked Individual Life Insurance Savings Plan (UIN: 110L179V02) and Tata AIA Vitality Protect Advance, Individual, Non-linked, Non-participating, Health Insurance (UIN: 110N178V01). Tata AIA Smart Sampoorna Raksha Supreme is also available individually for sale. Critical Illness, Accidental Death, Accidental Disability, Term Booster are available with Tata AIA Vitality Protect Advance (UIN: 110N178V01).
• ¹The Insured Amount under Term Booster option (in Vitality Protect Advance) is payable on earlier of death or diagnosis of Terminal illness of the Life Insured. Please refer Terms and Conditions for more details.
• ²All Premiums in the policy are exclusive of applicable taxes, duties, surcharge, cesses or levies which will be entirely borne/ paid by the Policyholder, in addition to the payment of such Premium.
• ⁴Refer Tata AIA Vitality Protect Advance brochure for details.
• ⁵All funds open for new business which have completed 5 years since inception are rated 4 star or 5 star by Morningstar as of August 2024.
• ⁶Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfilment of conditions stipulated therein. Income Tax laws are subject to change from time to time. Tata AIA Life Insurance Company Ltd. does not assume responsibility for tax implications mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefits available to you. Buying a life Insurance policy/ Tata AIA Vitality Protect Advance is a long-term commitment. Early termination of the policy/benefit option under Tata AIA Vitality Protect Advance usually involves high costs, and the surrender value payable may be less than all the premiums paid.
• ⁷On survival to the end of the policy term, the Total Fund Value including Top-Up Premium Fund Value valued at applicable NAV on the date of Maturity will be paid.
• ⁸5-year computed NAV for Multi Cap Fund as of Aug 2024. Other funds are also available. Benchmark of this fund is S&P BSE 200.
• ⁹©2024 Morningstar. All rights reserved. The Morningstar name is a registered trademark of Morningstar, Inc. in India, and other jurisdictions. The information contained here: (1) includes the proprietary information of Morningstar, Inc. and its affiliates, including, without limitation, Morningstar India Private Limited (“Morningstar”); (2) may not be copied, redistributed or used, by any means, in whole or in part, without the prior, written consent of Morningstar; (3) is not warranted to be complete, accurate or timely; and (4) may be drawn from data published on various dates and procured from various sources and (5) shall not be construed as an offer to buy or sell any security or other investment vehicle. Neither Morningstar, Inc. nor any of its affiliates (including, without limitation, Morningstar) nor any of their officers, directors, employees, associates, or agents shall be responsible or liable for any trading decisions, damages or other losses resulting directly or indirectly from the information.
• ¹⁰Tata AIA Vitality - A Wellness Program that offers you an upfront discount at policy inception. You can also earn premium discount/cover booster (as applicable) for subsequent years on policy anniversary basis your Vitality Status (tracked on Vitality app). Please refer Tata AIA Vitality Protect Advance brochures for additional details on health and wellness benefits.
• Vitality is a trademark licensed to Tata AIA Life by Amplify Health Assets PTE. Limited, a joint venture between Vitality Group International, INC. and AIA Company Limited. The assessment under the wellness program (Tata AIA Vitality) shall not be considered as a medical advice or a substitute to a consultation/treatment by a professional medical practitioner.
• The assessment under the wellness program shall not be considered as a medical advice or a substitute to a consultation/treatment by a professional medical practitioner.
• ¹¹On enrolling into the wellness Program, you get an upfront discount of 5% on first year premium for Accidental Death, Accidental Total & Permanent Disability, and of 10% on first year premiums of Term Booster benefit option. The rewards are offered on cumulative basis and in any year, the maximum rewards in view of both the upfront rewards and annual rewards flex together shall be 15% for Accidental Death & Accidental Total & Permanent Disability and 30% for Term Booster benefit option. Discount is driven by accumulated points which is achieved through wellness status. Please refer policy document for more details.
• The solutions are not guaranteed issuance solutions and it will be subject to Company’s underwriting and acceptance.
• For any information including cancellation, claims and complaints, please contact our Insurance Advisor/ Intermediary or visit Tata AIA Life’s nearest branch office or call 1-860-266-9966 (local charges apply) or write to us at customercare@tataaia.com.

• City Union Bank is Registered with Insurance Regulatory and Development Authority of India bearing Registration Number CA0023 is the corporate agent/intermediary of Tata AIA Life Insurance Company Limited and does not underwrite the risk or act as an insurer. Registered Address: 149 , TSR Big Street , Kumbakonam612001. Participation by the clients of City Union Bank in the insurance product is purely on voluntary basis. The Contract of Insurance is between Tata AIA Life Insurance and the insured and not between City Union Bank and the insured.
• Tata AIA Life Insurance Company Limited (IRDAI Regn. No.110 • CIN: U66010MH2000PLC128403). Registered & Corporate Office: 14th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg, Lower Parel, Mumbai - 400013. Trade logo displayed above belongs to Tata Sons Ltd and AIA Group Ltd. and is used by Tata AIA Life Insurance Ltd under a license. For any information including cancellation, claims and complaints, please contact our Insurance Advisor/ Intermediary or visit Tata AIA Life’s nearest branch office or call 1-860-266-9966 (local charges apply) or write to us at customercare@tataaia.com. Visit us at: www.tataaia.com. (UIN: 110L179V02, UIN: 110N178V01).
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  BEWARE OF SPURIOUS PHONE CALLS & FICTITIOUS / FRAUDULENT OFFERS
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  IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint