Life Insurance Built Around Your Family’s Future
Term, whole life and savings-linked plans from Tata AIA, matched to your goals
Multi-Insurer Comparison
Trusted Advisory Team
Free Claim Assistance
A Prime Care Associates life insurance plan gives your family a guaranteed financial cushion, whatever tomorrow brings. We help you compare Tata AIA’s most popular plans and choose the cover that fits your income, your goals and your budget.
Quick Summary
Tata AIA
Provider
Life Insurance
Insurance Type
Eligibility
18 – 65 years at entry; cover can extend up to age 99 on select plans
Consultation
Available Today
Claim Assistance
Dedicated Support
EXPLORE OUR RANGE
Life Insurance, Organised by What You Need
Switch between categories to see the Tata AIA plans Prime Care Associates recommends most for each goal.
Tata AIA
Sampoorna Raksha Promise
A comprehensive term plan with flexible payout options and built-in Critical Illness cover.
High cover at affordable premiums
Choice of lump sum, income, or a combination payout
Critical Illness benefit built in
Entry Age
18 – 65 years
Policy Term
10 – 40 years, or up to age 99
Premium Payment
Monthly, yearly or limited pay
Life Cover
₹50 lakh and above
Tax Benefit
80C / 10(10D)*
Claim Support
Dedicated Prime Care claim desk
Premium depends on age, cover amount and policy term.
Best for:
Those wanting maximum protection at the lowest cost
Tata AIA
Maha Raksha Supreme Select
A premium term plan built for higher sum assured with special pricing for healthy lifestyles.
Preferential rates for non-smokers and healthy habits
Special premium rates for higher sum assured
Optional whole life cover to age 99
Entry Age
18 – 65 years
Policy Term
10 – 40 years, or Whole Life to age 99
Premium Payment
Monthly, yearly or single pay
Life Cover
₹1 crore and above
Tax Benefit
80C / 10(10D)*
Claim Support
Dedicated Prime Care claim desk
Premium depends on age, cover amount and policy term.
Best for:
High sum assured seekers with a healthy lifestyle
Tata AIA
Smart Sampoorna Raksha
A flexible term plan that lets you increase cover at key life stages without fresh medical tests.
Increase cover at marriage, childbirth or home loan
Multiple rider options for complete protection
Return of Premium option available
Entry Age
18 – 65 years
Policy Term
10 – 40 years
Premium Payment
Monthly, yearly or limited pay
Life Cover
₹50 lakh and above
Tax Benefit
80C / 10(10D)*
Claim Support
Dedicated Prime Care claim desk
Premium depends on age, cover amount and policy term.
Best for:
Young families expecting cover needs to grow
COMPARE PLANS
See How Our Flagship Plans Compare
A side-by-side look at one flagship plan from each category — your advisor can compare any other plan on request.
Plan | Coverage | Return of Premium | Critical Illness Rider | Accidental Death Rider | Whole Life Option | Tax Benefit | Best For |
|---|---|---|---|---|---|---|---|
Tata AIA Sampoorna Raksha Promise | ₹50 lakh – ₹5 crore+ | Optional add-on | Available | Available | Not available | 80C / 10(10D)* | Pure protection seekers |
Tata AIA Fortune Guarantee Plus | Sum assured + guaranteed additions | Not applicable | Optional | Optional | Not available | 80C / 10(10D)* | Goal-based guaranteed savers |
Tata AIA Param Raksha Life Pro | Market-linked fund value + life cover | Not applicable | Optional | Optional | Not available | 80C / 10(10D)* | Long-term wealth creation |
Tata AIA Smart Pension Secure | Vesting benefit + life cover | Not applicable | Not available | Optional | Available (whole-life annuity option) | 80CCC* | Retirement income planning |
*Tax benefits are subject to conditions under prevailing Income Tax laws and may change.
WHY PRIME CARE ASSOCIATES
Why Choose Prime Care Associates
Buying life insurance is a long-term relationship, not a one-time transaction. Here is what that relationship looks like.
Personal Advisor
A dedicated Prime Care advisor gets to know your goals before recommending a single plan.
Free Consultation
Sit down with us at no cost to understand your options in plain language, with no pressure to buy.
Claim Assistance
Our team stays with your family through paperwork and follow-ups when a claim is filed.
Policy Comparison
We compare Tata AIA plans side by side so you can see exactly what each one covers and costs.
Annual Review
We check in every year to make sure your cover still matches your income, family and goals.
Lifetime Support
From your first policy to every renewal after, Prime Care Associates stays your point of contact.
THE BIGGER PICTURE
Benefits of Life Insurance
A well-chosen policy does far more than pay out on death — here’s everything it can do for your family while you’re here too.
Income Protection
Replaces your income so your family can maintain their lifestyle if you're no longer there to earn.
Family Security
Gives your spouse and children a guaranteed financial cushion, whatever tomorrow brings.
Loan Protection
Ensures your home loan or other debts don't become a burden your family has to repay alone.
Tax Savings
Premiums and payouts can qualify for tax benefits under prevailing Income Tax laws.
Retirement Planning
Retirement-linked plans convert today's savings into a guaranteed income for later in life.
Wealth Creation
Wealth and savings-linked plans grow your money alongside the life cover you already need.
Legacy Planning
Pass on a tax-efficient lump sum to the next generation, on your terms.
Peace of Mind
One less thing to worry about — your family's future is protected no matter what happens.
IS THIS FOR YOU?
Who Should Buy Life Insurance
Almost everyone with someone depending on them can benefit — here’s how the need shows up at each life stage.
Young Professionals
Lock in low premiums early and build a protection habit before responsibilities grow.
Parents
Secure your children's education, milestones and daily needs no matter what happens to you.
Business Owners
Protect your business partners and family from the financial impact of losing a key person.
Self Employed
Build the income protection a salaried employer's group cover would otherwise provide.
Salaried Employees
Top up limited employer-provided cover with a plan that stays with you between jobs.
Senior Citizens
Plan your legacy and cover final expenses so your family isn't left with the burden.
GETTING STARTED
How to Choose the Right Plan
From first conversation to policy in hand, here’s what working with Prime Care Associates looks like.
01
Understand Your Goals
Tell us who depends on you financially and what you want your cover to achieve.
02
Choose Coverage
Decide on the sum assured and policy term based on your income, debts and family goals.
03
Compare Plans
We shortlist and compare the Tata AIA plans that best match your budget and needs.
04
Medical Verification
Complete a simple health check or a few questions, depending on the plan and cover amount.
05
Policy Issued
Once approved, your policy is issued and your family's protection begins.
WHEN YOU NEED US MOST
Our Claim Settlement Process
A claim is the moment insurance matters most — here is how Prime Care Associates supports your family through it.
01.
Notify Claim
Call or message your Prime Care advisor, or reach our claims desk directly, as soon as a claim arises.
02.
Submit Documents
Share the claim form with the policy and supporting documents — our team helps you compile the checklist.
03.
Verification
Tata AIA reviews the documents and may request any additional information needed to process the claim.
04.
Settlement
Once verified, the approved claim amount is settled directly to the nominee's bank account.
FAQS
Frequently Asked Questions
Answers to the questions we hear most often from families exploring life insurance.
01.
What is life insurance and how does it work?
02.
How much life cover do I actually need?
03.
What's the difference between term insurance and savings-linked plans?
04.
Can I buy life insurance without a medical test?
05.
What happens if I miss a premium payment?
06.
Are life insurance premiums tax deductible?
07.
Can I increase my cover later?
08.
What is a rider and do I need one?
09.
What documents are needed to buy a policy?
10.
How long does claim settlement usually take?
11.
Can I nominate more than one person?
12.
What if I already have a pre-existing health condition?
13.
Is Whole Life cover available?
14.
Can NRIs buy life insurance from Prime Care Associates?
15.
How do I get started?
Secure Your Family Today
Our advisors help you compare Tata AIA Life Insurance plans and recommend the right protection for your family's future.
Overview
Why Life Insurance Matters
Life insurance is not really a product for you — it is a promise to the people who depend on you. A well-chosen policy replaces years of income in an instant, so your family’s plans for school, marriage, a home or retirement do not have to change because you are no longer there to fund them.
What Prime Care Associates Offers
Working with Tata AIA, we help you choose between pure protection term plans, savings-linked endowment plans and unit-linked wealth plans. Every recommendation starts with your income, your liabilities and the milestones you are saving for — not a one-size-fits-all sales pitch.
Because we compare multiple structures side by side, you get an honest view of the trade-offs between lower premiums and higher guaranteed payouts, so you can decide with confidence.
Our Insurance Partner
Key Highlights
High life cover starting at accessible premiums
Guaranteed benefit payout to your nominee, tax-free under prevailing law
Flexible premium payment terms from 5 to 40 years
Option to increase cover at major life milestones
Riders for critical illness, accidental death, and premium waiver
Simple, fully digital application and claims process
Key Benefits
Income Replacement — replaces years of your salary so your family’s lifestyle does not have to change.
Family Security — clears loans and daily expenses so your dependents are never financially exposed.
Tax Efficiency — premiums and payouts qualify for tax benefits under prevailing income tax law.
Long-Term Wealth — savings-linked plans build a guaranteed corpus you or your family can rely on.
Rider Protection — extend your base cover with critical illness and accidental death add-ons.
Claim Certainty — Tata AIA’s dedicated claims desk supports your family through the process.
Coverage Includes
Death benefit for natural and accidental death
Terminal illness benefit paid in advance in eligible plans
Optional critical illness cover for major diagnoses
Accidental death and dismemberment benefit
Waiver of future premiums on total permanent disability (with rider)
Maturity benefit on savings-linked and whole life plans
Features
Sum assured options from ₹25 lakh to ₹5 crore and above
Level premiums for the entire policy duration
Multiple payout structures: lump sum, monthly income, or staggered payout
Free look period to review your policy after issuance
Policy loan facility available on eligible savings-linked plans
Easy nominee and beneficiary updates through your Prime Care advisor
Who Should Buy
Young professionals who have just started supporting a family or paying off a home loan
Parents who want to guarantee their children’s education and marriage expenses
Sole or primary earners whose income supports dependents
Business owners who want to protect their family from business liabilities
Anyone who wants to convert long-term savings discipline into a guaranteed payout
Eligibility
Indian residents aged 18 to 65 years at entry, subject to plan variant
Cover can continue up to age 99 depending on the plan chosen
Standard medical and financial underwriting applies to higher sum assured
NRIs are eligible for select plans, subject to country of residence
Premium Payment Options
Monthly, quarterly, half-yearly, or annual premium payments
Limited pay options — pay for 5, 10, or 15 years while staying covered longer
Single premium (one-time payment) available on select plans
Auto-debit and digital payment options through Prime Care Associates
Claim Process
01
Notify Us
Your nominee informs Prime Care Associates or Tata AIA’s claims desk of the event.
02
Submit Documents
Share the claim form along with the required documents listed below.
03
Verification
Tata AIA verifies the policy, documents, and cause of the claim.
04
Claim Approval
Once verified, the claim is approved as per policy terms.
05
Payout to Nominee
The approved benefit is transferred directly to the nominee’s bank account.
Required Documents
Original policy document
Duly filled claim intimation form
Death certificate issued by the competent authority
Nominee’s identity and address proof
Nominee’s bank account details for payout
Medical records, if the claim requires additional verification
Tax Benefits
Save More With Tax-Efficient Cover
Premiums paid qualify for deduction under Section 80C, up to prevailing limits
Death benefit paid to nominees is tax-free under Section 10(10D)
Maturity benefit is tax-free subject to prevailing premium-to-cover ratio conditions
Riders such as critical illness may offer additional deductions under Section 80D
Optional Riders
Critical Illness Rider — lump sum payout on diagnosis of covered critical illnesses.
Accidental Death Rider — additional payout if death occurs due to an accident.
Waiver of Premium Rider — future premiums are waived on total permanent disability.
Accelerated Sum Assured Rider — a portion of the sum assured is paid early on terminal illness.
Waiting Period
No waiting period for standard death cover; a 45-day exclusion period applies to certain riders
Exclusions
Death by suicide within 12 months of policy issuance or revival
Non-disclosure or misrepresentation of material facts at the time of purchase
Death due to participation in hazardous activities not declared at proposal stage
Claims arising from war, civil commotion, or acts explicitly excluded in policy terms
Why Choose Prime Care Associates
Independent comparison across Tata AIA’s plan variants before you commit
Support through medical tests, proposal forms, and policy issuance
A single point of contact for renewals, endorsements, and claims
No extra cost — our advisory comes at no additional charge to you
Trust & Recognition
What sets Prime Care Associates apart
IRDAI Registered Advisory
Multi-Insurer Comparison
Committed to Service Excellence
Dedicated Advisory Team
FAQ
Frequently Asked Questions
Answers to common questions about this plan, curated by Prime Care Associates.
How much life cover do I actually need?
Can I increase my cover later?
Are premiums fixed for the entire policy term?
What happens if I miss a premium payment?
Is the payout to my family really tax-free?
What Affects Your Premium
Your indicative premium is shaped by a few key factors
Age Criteria
18 – 65 years at entry; cover can extend up to age 99 on select plans
Policy Term
5 to 40 years, or a Whole Life option that covers you up to age 99
Life Insurance
Insurance Type
Tata AIA
Provider
Premium Calculator
Your indicative life insurance premium depends on your age, chosen sum assured, policy term, payment frequency, health profile, and any riders you add. Two people of the same age can see different premiums based on lifestyle habits such as smoking, and on family medical history.
Rather than relying on a generic online calculator, our advisors run your exact details through Tata AIA’s underwriting guidelines to give you an accurate, personalised premium estimate — with no obligation to buy.
Age Criteria
18 – 65 years at entry; cover can extend up to age 99 on select plans
Policy Term
5 to 40 years, or a Whole Life option that covers you up to age 99
Life Insurance
Cover Type
Life insurance is subject to underwriting, terms, and conditions of Tata AIA Life Insurance Company Limited. Prime Care Associates is an insurance intermediary and does not underwrite risk. Tax benefits are subject to change as per prevailing income tax law. Please read the policy wordings and sales brochure carefully before concluding a purchase. This page is for general information only and does not constitute financial advice.