IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.

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.

The last word in

the world of Rakshakaran.
Introducing

Comprehensive solutions that offer

a whole life cover till age 100,
while also focusing on savings
with market-linked returns~.

Solutions that provide protection against

#
Death Disease Disability Return On
Maturity1

Param Rakshak Plus solution comprises of Tata AIA Life Insurance Smart Sampoorna Raksha, A Unit-linked, Non-participating, Individual Life
Insurance Plan for Savings and Protection (UIN:110L156V03), Tata AIA Vitality Protect Plus, A Non-linked, Non-participating, Individual Health Rider
(UIN: 110A048V03) and Tata AIA Vitality Health Plus, A Non-linked, Non-participating, Individual Health Rider (UIN: 110A047V02). Tata AIA Smart
Sampoorna Raksha Pro is also available individually for sale.
The Benefits:

Life Insurance Cover

Lump sum benefit paid to family in case of unfortunate death

Accidental Death
• Additional Sum Assured in case of Accidental Death.
• 2X Additional Sum Assured in case of accidental death in public transport.

Accidental Total &

Permanent Disability
• Benefit payout in case of Total and Permanent disability to accident.
• 2X Benefit in case of disability due to accident in public transport

CritiCare Plus
40 Critical Illness Conditions covered

HospiCare
Hospital Cash Benefit
• Per day Hospitalization Benefit @ 0.5% of Sum Assured
• 2X of Per day Hospitalization Benefit for ICU Benefit

r
r
Return on Maturity1 at
r
the end of Policy Term
Fund value on Maturity from the Base Plan

Tata AIA Vitality#

#
A science-based wellness program that helps you improve your health
while also rewarding you. Get upto 10%$
upfront discount on first year premium.
 Sample Illustration: Param Rakshak Plus Solution
Male | Standard Life Age 40 - (Years)
Premium Payment Term / 5 Pay 40 10 Pay 40 12 Pay 40 Regular Pay/ 40
Policy Term - (Years)
Basic Sum Assured (BSA) 50 Lakhs 1 Cr. 50 Lakhs 1 Cr. 50 Lakhs 1 Cr. 50 Lakhs 1 Cr

Annual Premium* 1,08,696 2,17,391 64,935 1,29,870 58,140 1,16,279 38,760 77,519

Rider Sum Assured

Accidental Death Benefit Equal to BSA 9,550 19,100 5,300 10,600 4,550 9,100 2,250 4,500
Accidental Total and Permanent
Disability Benefit Equal to BSA 5,750 11,500 3,200 6,400 2,750 5,500 1,350 2,700

CritiCare Plus Benefit^ 20,00,000 65,020 65,020 35,740 35,740 30,680 30,680 15,900 15,900

HospiCare Benefit^ 10,00,000 18,850 18,850 10,360 10,360 8,900 8,900 4,610 4,610
Total Premium* 2,07,866 3,31,861 1,19,535 1,92,970 1,05,020 1,70,459 62,870 1,05,229
Total first year premium with Tata AIA Vitality* 1,98,714 3,21,944 1,14,500 1,87,510 1,00,698 1,65,771 60,639 1,02,818

Maturity Fund Value @4%~ (Non - Guaranteed) 6,23,525 12,47,044 8,26,675 16,53,350 9,18,840 18,37,664 19,39,150 38,78,250

Maturity Fund Value @8%~ (Non - Guaranteed) 32,78,065 79,75,820 38,69,889 86,30,695 40,99,561 89,45,233 56,84,742 1,16,99,753

^
Max maturity age 75. *All premiums are subject to applicable taxes, cesses & levies. • All funds are allocated in Large Cap Equity Fund for the above illustration

Maturity Benefit is inclusive of Loyalty Additions, 2X Refund of Mortality Charges, 2X Refund of Premium Allocation Charges, Cover Continuance Booster, if any,
Rider Premium and exclusive of applicable taxes, cesses & levies. For benefit values net of applicable taxes, cesses & levies please refer to the Benefit Illustration.
~
Some Benefits are guaranteed and some Benefits are variable (non-guaranteed) with returns based on the future performance of the opted funds and fulfilment
of other applicable Policy conditions. If your Policy offers guaranteed returns, then these will be clearly marked as "guaranteed" in the illustration table on this
page. If your policy offers non-guaranteed returns, then illustration will show two different rates of assumed future investment returns. The above illustration has
been determined using assumed future investment returns of 8% and 4% respectively. The rates used have been set by the Life Insurance Council. These
assumed rates of return are not guaranteed and there are no upper and lower limits of what you might get back at Maturity, due to the fact that the value of your
Policy is dependent on a number of factors including future investment performance.

Eligibility Criteria

Min / Max Entry

18/60 years
(age last birthday)

Base Cover - 100 years

Max Age at Maturity Accidental Death, Accidental Total and Permanent Disability
(age last birthday) - 85 years
HospiCare and CritiCare Plus - 75 years

Coverage Term## 30 or 40 years, subject to the maximum maturity age (given above)
 Premium Payment 5 / 10 / 12 and Regular Pay
Term (PPT) ## Rider PPT will be the same as the base plan PPT
(Subject to Max Maturity age of chosen riders)

Base Plan Premium: 5 Pay – ` 60,000 p.a.^^

Minimum Premium
Others – ` 18,000 p.a.^^

Premium Mode Annual, Half yearly, Quarterly and Monthly

Min Max

Base (Life cover) – ` 50 Lakhs Base (Life cover) – No Limit

AD and ATPD – ` 50 Lakhs AD and ATPD – ` 5 Cr.
HC – ` 10 Lakhs HC – ` 40 Lakhs

Sum Assured Criticare Plus – ` 20 Lakhs Criticare Plus – ` 1 Cr.

• Increase /Decrease in Basic Sum Assured - Not allowed

• Rider SA cannot exceed the base SA
Base Plan - Tata AIA Life Insurance Smart Sampoorna Raksha, AD - Accidental Death, ATPD - Accidental Total and Permanent Disability,
HC – HospiCare, CP - CritiCare Plus and SA - Sum Assured.

Disclaimers : Param Rakshak Plus solution comprises of Tata AIA Life Insurance Smart Sampoorna Raksha, A Unit-linked, Non-participating, Individual Life Insurance Plan for
Savings and Protection (UIN:110L156V03), Tata AIA Vitality Protect Plus, A Non-linked, Non-participating, Individual Health Rider (UIN: 110A048V03) and Tata AIA Vitality Health
Plus, A Non-linked, Non-participating, Individual Health Rider (UIN: 110A047V02). Tata AIA Smart Sampoorna Raksha Pro is also available individually for sale.
#
Tata 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) (2) Please refer rider 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 shall not be considered as a medical advice or a substitute to a consultation/treatment by a professional medical practitioner.
$
On enrolling into the wellness Program, you get an upfront discount of 5% on first year premium for Accidental Death, Accidental Total & Permanent Disability, Accidental Disability
Care Benefits and of 10% on first year premiums of the other benefit options. 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 Disability Care and 30% for all other benefit options. Discount is driven by accumulated points
which is achieved through wellness status. Please refer policy document for more details.
1
On 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. Tata AIA Life
Insurance Smart Sampoorna Raksha is also available individually for sale. The customer is advised to refer the detailed sales brochure of respective individual product and riders
mentioned herein before concluding sale. The solutions are not guaranteed issuance solutions and it will be subject to Company’s underwriting and acceptance. Benefits stipulated
are available only if all the premiums are paid as per the premium paying term and the policies are inforce till the completion of entire policy term opted for. Buying a Life Insurance
Policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable may be less than all the premium paid. Unit Linked
Life Insurance products are different from traditional insurance products and are subject to risk factors. The fund is managed by Tata AIA Life Insurance Company Ltd. (hereinafter
the “Company”). Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA Life Insurance Smart Sampoorna Raksha is only the name of the
Unit Linked Life Insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns. Various funds offered under this contract are the
names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. Premium paid in Unit Linked Life Insurance policies are subject to
investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors inuencing the capital market and
the insured is responsible for his/her decisions. Past performance is not indicative of future performance. Returns are calculated on an absolute basis for a period of less than (or
equal to) a year, with reinvestment of dividends (if any). All investments made by the Company are subject to market risks. The Company does not guarantee any assured returns.
The investment income and price may go down as well as up depending on several factors influencing the market. Please know the associated risks and the applicable charges,
from your Insurance Agent or the Intermediary or Policy Document issued by the Insurance Company. Please make your own independent decision after consulting your financial
or other professional advisor. The performance of the managed portfolios and funds is not guaranteed and the value may increase or decrease in accordance with the future
experience of the managed portfolios and funds. The solutions are is underwritten by Tata AIA Life Insurance Company Limited. ^^All Premiums, Charges, and interest payable under
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,
charges or interest. Tata AIA Life shall have the right to claim, deduct, adjust and recover the amount of any applicable tax or imposition, levied by any statutory or administrative
body, from the benefits payable under the Policy. For more details on benefits, premiums and exclusions under the Rider(s), please refer to the Rider Brochures or contact Tata AIA
Life's Insurance Advisor/Intermediary/ Branch. Riders are available for a nominal extra cost. Health and Life insurance cover is available under the solution. For details on products,
associated risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale. The precise terms and condition of this plan are specified in the Policy
Contract. Tata AIA Life Insurance Smart Sampoorna Raksha is also available individually for sale. The underlying Fund's NAV will be affected by interest rates and the performance
of the underlying stocks. 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 implications mentioned anywhere on this site. Please consult your own tax consultant to know the tax benefits available to you.
Goods and Services Tax and cesses, if any will be charged extra by redemption of units, as per applicable rates. Tax laws are subject to amendments from time to time.
• L&C/Advt/2024/Jan/0195.

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 Company 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@[Link]. Visit us at: [Link].

BEWARE OF SPURIOUS PHONE CALLS IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving
AND FICTITIOUS / FRAUDULENT OFFERS such phone calls are requested to lodge a police complaint