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Tata AIA Life Raksha

Entry Age (years)  
Minimum 18
Maximum 50
Maximum Maturity Age (years) 60
Policy Term (years)  
Minimum 10
Maximum 25
Sum Assured (Rs)  
Minimum 500000
Maximum No limit
Minimum Premium (Rs)  
Yearly 2000
Half-Yearly 1020
Quarterly 520
Monthly 177
Premium Payment Frequency Yearly, Half-yearly, Quarterly, Monthly
Premium Payment Term Equal to policy tenure
Premium Factor (multiply with annual premium) Half Yearly: 0.51 times annual premium; Quarterly: 0.26 time annual premium; Monthly: 0.0883 time annual premium
Policy Cover Cover remains fixed for the tenure of the policy
Other Features  
Free Look Cancellation In case, you are not satisfied, you may choose to cancel the policy within 15 days of receiving the policy documents. Upon such cancellation, you will be paid back the premiums, minus the cost of stamp duty, medical reports and proportionate premium for the period for which the risk was covered.
Grace Period You are allowed to pay premiums within 31 days from the due date. If a due premium is not received within the grace period of 31 days, your policy will lapse and the life insurance cover will be terminated.
Lapsed Policy Reinstatement You can reinstate your lapsed policy any time (within 5 years from the due date of the first unpaid premium) by paying all the due premiums with interest and undergoing underwriting requirements, if any.
Tax Benefits Section 80C of the Income Tax Act, 1961 would apply.Premium paid is eligible for tax deduction as per current income tax act.
Exclusions In case of death by suicide during the first policy year, or within one year from the date of reinstatement, no death benefit is payable. Further, if the Life Assured under the policy, whether medically sane or insane, commits suicide, within one year of exercising the option to increase the Sum Assured, then the amount of increased Sum Assured will not be considered in the calculation of the Death Benefit
Customer Service  
Address Tata AIG Life Insurance Company Limited Delphi-B Wing, 2nd Floor, Orchard Avenue, Hiranandani Business Park, Powai, Mumbai 400076
Call On 1800119966; 24 hours
SMS SERVICE' to 58888