Tata AIA Life Insurance Sampoorna Raksha 
                                             A Non-Linked, Non-Participating, Term Insurance Plan. 
                   
                                      Choice… is a great option, when you receive the best of both worlds! 
                   
                  Features: 
                      Flexibility to choose from 4 Death Benefit options: 
                           o  Option 1 - Lump Sum benefit on Death 
                           o  Option 2 - Lump Sum benefit on Death & Monthly Income for next 10 years 
                           o  Option 3 - Enhanced Sum Assured as Lump Sum benefit on Death 
                           o  Option 4 - Enhanced Sum Assured as Lump Sum benefit on Death & Monthly Income for 
                                next 10 years 
                      Life Cover for policy term up to 40 years or 80 years of age 
                      Choice of regular or limited (5 or 10 years) premium paying term 
                      Lower premiums rates for non-smokers and female lives 
                      Enhance your protection with optional rider 
                      Large Sum Assured discount for higher coverage  
                   
                  Benefits: 
                  A.  Maturity Benefit: 
                       There is no maturity benefit payable under this plan. 
                        
                  B.  Death Benefit 
                       The plan offers following four death benefit options that must be chosen at policy inception: 
                       Option 1: "Sum Assured on death" payable on death 
                       Option 2: "Sum Assured on death" payable on death & monthly Income thereafter for 10 years 
                       Option 3: "Enhanced Sum Assured on death" payable on death 
                       Option 4: "Enhanced Sum Assured on death" payable on death & monthly Income thereafter for 10 
                       years 
                        
                       “Sum Assured on Death” for Option 1 & 2 shall be defined as the highest of the following: 
                       o  10 times the Annualised Premium 
                       o  105% of all the Premiums Paid (excluding the underwriting extra premiums and modal loading), 
                           as on the date of death 
                       o  Absolute amount assured to be paid on death 
                       o  Minimum Guaranteed Sum Assured on Maturity 
                                     
                       The Absolute amount assured to be paid on death for Option 3 & 4 is the Enhanced Sum Assured at 
                       the time of death, where the Basic Sum Assured increases by a simple rate of 5% per annum up to the 
                       time of death, subject to maximum of 200% of Basic Sum Assured. 
                        
                       In addition to above, for two options - 2 & 4, the nominee shall also receive a monthly income equal 
                       to 1% of Basic Sum Assured chosen at the time of policy inception, for 10 years starting from the 
                       next monthly anniversary following the date of death.  
                                                                                                            
                
               Eligibility: 
                Plan Parameters           Minimum                       Maximum 
                Age at Entry (years)*     18                            For Regular Pay/ Limited: 5 Pay - 
                                                                        70 
                                                                        For Limited: 10 Pay -  65 
                Age at Maturity (years)*  28                            80 
                Policy Term (PT) (years)  Regular Pay/ Limited: 5 Pay - 10 to 40 years 
                                          Limited: 10 Pay - 15 to 40 years 
                Premium Payment Term      Limited Pay: 5/ 10 years 
                (PPT) (years)             Regular Pay 
                Basic Sum Assured (Sum    Rs. 50,00,000                   No limit subject to Underwriting 
                Assured in multiples of 
                1,00,000) 
                Premium (Rs.)             Based  on  minimum  basic  sum  Based  on  maximum  basic  sum 
                                          assured                         assured 
                Premium Payment Mode      Annual/ Half-yearly/ Quarterly/ Monthly 
                * All reference to age is as on last birthday. 
               Commission: 
               As  per  RBI  circular:  RBI/2009-10/225  dated  November  16,  2009,  following  are  the  details  of  the 
               comparative  commission  earned  by  HDFC  Bank  from  Insurance  (Life),  whose  products  are  being 
               distributed: 
               Commission, Brokerage and trail from Life Insurance 
                                                                      2nd year Renewal 
                      Category           First Year Commission          Commission 
                                              Min          Max          Min          Max 
                Health                        2%           35%           0%         7.50% 
                Pension                      0.50%        7.50%          0%           2% 
                Protection                    2%           35%           0%           2% 
                Savings & Investment         0.50%         30%           0%           3% 
                Group Product*                5%           5%            0%           0% 
               Note: The commission varies depending upon the Product in each category, tenure, amount of premium 
               and premium paying term 
               *For Group Products commission payable is 5% of the premium with a ceiling on the maximum payout 
               as defined by Insurance Regulatory and Development Authority of India (IRDAI) from time to time. 
                
                
                
                
                
                                                                                                            
                
               Important Disclaimer: 
               This product is underwritten by Tata AIA Life Insurance Company Limited. For more details on risk 
               factors, terms and conditions please read sales brochure carefully before concluding a sale. All applicable 
               taxes,  duties,  surcharge,  cesses  or  levies,  as  may  be  imposed  by  Government,  any  statutory  or 
               administrative authority from time to time, on the premiums payable and benefits secured under Policy, 
               shall be borne and paid by the Policyholder. Income Tax benefits would be available as per the prevailing 
               income tax laws, subject to fulfillment of conditions stipulated therein. Tata AIA Life Insurance Company 
               Ltd does not assume responsibility on tax implication mentioned anywhere in this document. Please 
               consult your own tax consultant to know the tax benefit available to you. 
                
               Tata  AIA  Life  Insurance  Accidental  Death  and  Dismemberment  (Long  Scale)  (ADDL)  Rider 
               (UIN:110B028V01) is not mandatory and is available for a nominal extra cost. For more details on 
               benefits, premiums and exclusions under the Rider, please contact your nearest HDFC Bank branch. This 
               plan is not a guaranteed issuance plan and it will be subject to Company’s underwriting and acceptance. 
               In  case  of  Sub  Standard  lives,  extra  premiums  will  be  charged  as  per  our  underwriting  guidelines. 
               Insurance cover is available under this product.  
                
               UIN: 110N129V02 | L&C/Advt/2017/Jul/223 
                                     
               HDFC Bank Limited (4621612) (IRDAI Registration No: CA0010) is the Corporate Agent of Tata AIA 
               Life Insurance Company Limited and does not underwrite the risk or act as an insurer. HDFC Bank 
               Limited, HDFC Bank House, Senapati Bapat Marg, Lower Parel (West), Mumbai - 400 013. Participation 
               by the Bank’s clients in the insurance products is purely on a voluntary basis. The contract of insurance is 
               between Tata AIA Life and the insured and not between HDFC Bank and the insured. 
                
               For any information including cancellation, claims and complaints, please contact our Insurance advisor 
               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 or SMS 'LIFE’ to 58888. 
                
                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 
                    Beware of Spurious Phone calls and Fictitious/Fraudulent offers:  
                    IRDAI clarifies to public that: 
                           IRDAI or its officials do not involve in activities like sale of any kind of insurance or 
                            financial products nor invest premiums. 
                           IRDAI does not announce any bonus. Public receiving such phone calls are requested to 
                            lodge a police complaint along with details of phone call, number. 
                                                              
                                                              
                                                              
                                                              
                                                              
                                                              
                                                              
                                                              
                
                                                                                                                                                            
                     Frequently Asked Questions (FAQs): 
                     What is Tata AIA Life Insurance Sampoorna Raksha? 
                     Tata AIA Life Insurance Sampoorna Raksha is a pure term insurance plan that provides 
                     financial protection to your family and offers you the flexibility to choose the plan that suits 
                     your need. You may opt to receive either a Lump Sum benefit on Death or a Lump Sum 
                     benefit  on  Death  along  with  Monthly  Income  for  next  10  years  while  also  enjoying  the 
                     flexibility to enhance your life cover. 
                     What are the key features of this plan? 
                         Flexibility to choose from 4 Death Benefit options: 
                               o     Option 1 - Lump Sum benefit on Death 
                               o     Option 2 - Lump Sum benefit on Death & Monthly Income for next 10 years 
                               o     Option 3 - Enhanced Sum Assured as Lump Sum benefit on Death 
                               o     Option 4 - Enhanced Sum Assured as Lump Sum benefit on Death & Monthly 
                                     Income for next 10 years 
                         Life Cover for Policy Term up to 40 years or 80 years of age 
                         Choice of Regular or Limited (5 or 10 Years) Premium Paying Term 
                         Lower premiums rates for Non Smokers and Female lives 
                         Enhance your protection with Optional Rider 
                         Large Sum Assured discount for Higher Coverage  
                           
                     What are the age limits for this plan?  
                       Minimum Entry Age                    18 years  
                       Maximum Entry Age                    For Regular Pay - 70 years 
                                                            For Limited Pay 5 – 70 years 
                                                            For Limited Pay 10 – 65 years  
                       Minimum Maturity Age   28 years  
                       Maximum Maturity Age   80 years  
                      
                     All ages are as on last birthday. 
                      
                     What is the Policy Term available in this plan? 
                     Sampoorna Raksha provides a Policy Term of 10 - 40 years for regular and limited (5 pay), 
                     and Policy Term of 15 – 40 years for limited (10 pay). 
                     What is the Premium Payment Term available in this plan? 
                     Sampoorna  Raksha  provides  a  flexibility  to  choose  a  regular  pay  option  or  a  Limited 
                     Premium Payment term of 5 years or 10 years. 
                     What is the sum assured offered by Sampoorna Raksha? 
                     Sampoorna Raksha offers a basic sum assured of INR 50,00,000 and above.  
                     What is Enhanced Sum Assured on Death?