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  • Tata AIA Life Insurance Group Total Suraksha Plan

    Tata Aia Life Insurance

    The Tata AIA Life Insurance Group Total Suraksha Plan is a group life insurance plan offered by Tata AIA Life Insurance Company. The plan can be purchased by non-banking institutions, banks and other lending institutions which offer different types of loans such as personal loan, home loan etc. The Tata AIA Life Insurance Group Total Suraksha Plan is offered to a group of minimum 50 members. A borrower can get comprehensive life coverage under this plan and protect his/her family members against unforeseen future circumstances. If a borrower dies within the loan tenure, the Tata AIA Life Insurance Group Total Suraksha Plan will pay off the outstanding principal amount. The plan provides financial support your family members even in your absence. The The Tata AIA Life Insurance Group Total Suraksha Plan terminates after providing the death claims.

    Eligibility Conditions for Tata AIA Life Insurance Group Total Suraksha Plan

    A minimum of 50 members are required in a group to purchase this plan. The plan is offered to both new and existing borrower of a loan. The other eligibility conditions include:

    Minimum entry age

    14 years

    Maximum entry age

    65 years

    Key Features of Tata AIA Life Insurance Group Total Suraksha Plan

    The Tata AIA Life Insurance Group Total Suraksha Plan comes with a number of attractive features. Listed below are the major features of the plan:

    Maximum coverage

    75 years

    Minimum sum assured

    Rs.1000

    Maximum sum assured

    There is no limit.

    Minimum policy term (for individual members)

    2 years

    Maximum policy term (for individual members)

    35 years

    Free look period

    • 15 days for a manually purchased policy.

    • 30 days for a digitally purchased policy.

    Premium paying frequency

    Single

    Benefits/Advantages of Tata AIA Life Insurance Group Total Suraksha Plan

    The Tata AIA Life Insurance Group Total Suraksha come with the following benefits:

    • Get insurance coverage for the death of insured member/employee.
    • You can purchase the Tata AIA Life Insurance Group Total Suraksha Plan with minimal documentation. The enrolment process for this policy is very simple.
    • Pay lower group premium rates on the policy.
    • It is a single premium payment policy.
    • The policy offers life cover for the co-borrower as well.
    • No waiting period is involved. Get coverage from the day one.
    • Insurance coverage offered by the Tata AIA Life Insurance Group Total Suraksha Plan is linked to your loan amount.
    • Faster and easy claim processing.
    • Get 24/7 life insurance coverage across the world.
    • The Tata AIA Life Insurance Group Total Suraksha policy offers surrender benefits.
    • Nomination is accepted under this policy. All death benefits are payable to the nominee nominated by the master policyholder, in case the master policyholder dies.
    • If it is a joint life cover and the policyholder dies during the loan tenure, all benefits will be paid to the nominee and the insurance cover for the surviving member will cease to exist.
    • The policyholder does not receive maturity benefits, even if the policy is continued till the end.
    • The policy does not provide survival benefit as well.

    How the Tata AIA Life Insurance Group Total Suraksha Plan Works?

    You can enroll for this policy by fulfilling the enrolment process and paying the required amount of premium. However, any lending institution needs a minimum of 50 members to purchase this policy.

    Based on the entry age of the borrowers, single premiums will be calculated. If the borrower opts for a joint cover, premium will be calculated separately for both individuals and amount of discount will be offered to the younger one. In case, the borrower, repay the loan or makes a particular repayment, the policy cover will continue, unless it is surrendered by the policyholder.

    Premium Payment

    The Tata AIA Life Insurance Group Total Suraksha Plan is a single premium policy.

    Riders

    There is no additional riders available under this policy.

    The Tata AIA Life Insurance Group Total Suraksha Plan can be your best companion to protect your dear ones, fulfill your dream and secure you future. The group plans offered by Tata AIA Life Insurance Company helps you fight against unforeseen situations in life. Being one of the leading providers of life insurance in India, Tata AIA Life Insurance Company provides both individual as well group life insurance plans to customers.

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