More than just death benefits
FinTech BizNews Service
Mumbai, 30 December, 2025: Life insurance has always been viewed as a safety net for families after the policyholder’s death. But as the world evolves, so must our approach to protection. Rather than just focusing on "what happens to our consumer’s families after death of the insured?" it’s time to ask: "How can we help people live longer, healthier lives?"
This shift marks a transition from reactive protection to proactive well-being. Protection today isn’t just about insuring against death, it’s about safeguarding longevity, health, and overall well-being. And this is particularly vital for India’s dynamic workforce, where the pace of life often outpaces the safety nets designed to protect us.
The need for customization: One size no longer fits all
The reality is that protection needs change based on life stage, demographics, and personal circumstances. A young professional has vastly different needs compared to a parents with grown up children, and the challenges faced by women or NRIs are unique. Traditional, one-size-fits-all term insurance policies no longer meet the demands of today’s consumers. That’s why Tata AIA Life is leading the charge with customized solutions that adapt to the diverse needs of every individual, at every stage of life.
A new approach to protection: More than just death benefits
Tata AIA Life is revolutionizing what life insurance means today. Their comprehensive term insurance plans go beyond the traditional focus on post-death benefits, expanding coverage to include critical illness, health issues, and lifestyle-related conditions. These plans not only offer a safety net but actively support policyholders' health and wellness throughout life.
Whether it's helping young professionals stay protected against emerging health risks, or offering retirees essential health services, Tata AIA's term plans are tailored to meet the evolving needs of policyholders as they journey through different life stages.
Health, wellness, and financial security — All in one
Sujeet Kothare, Chief of Products, Marketing, Corporate Communications, and Business Mid Office at Tata AIA Life Insurance, explains: “Protection today isn’t just about what happens after death—it’s about living better, longer, and with confidence.
We’ve reimagined term insurance as a living solution that supports people at every stage of life, providing health services and wellness access through Health Buddy.”
Tata AIA's Term Suite combines financial protection with health and wellness resources, including preventive check-ups, medical second opinions, specialist consultations, and diagnostic support. The company’s goal is to shift the conversation from pay-outs to prevention, helping people stay secure, healthy, and financially resilient as they pursue their aspirations.
A tailored term insurance suite for every consumer segment
Tata AIA Life Insurance offers a wide range of term insurance plans, each carefully crafted to meet the unique needs of different consumer segments. These products not only offer basic life coverage but also integrate critical illness protection and health-related support to ensure holistic protection for policyholders.
I. For growing families: TATA AIA Shubh Family Protect
· Provides income replacement to ensure the family is financially protected in case of unexpected events.
· Ensures uninterrupted financial stability through instalment income support.
· Includes terminal illness cover to provide financial relief during critical times.
· Offers access to preventive health check-ups, diagnostics, and specialist consultations.
· Safeguards against emerging health risks and lifestyle-related conditions throughout the policy term.
II. For young professionals: TATA AIA Sampoorna Raksha Promise
· Provides access to substantial coverage at competitive premiums.
· Offers whole life coverage up to 100 years of age.
· Allows plan enhancement with comprehensive riders for additional health and wellness benefits.
· Includes the option to defer premiums by up to 12 months with the FlexiPay Benefit.
· Features an industry-first critical illness benefit with a 30-year premium rate guarantee.
· Provides Hospi-cash Benefit with a 20-year premium rate guarantee, delivering fixed daily allowances to support hospitalization costs.
· Provides access to preventive health check-ups, diagnostics, medical second opinions, dental, physiotherapy, tele, and specialist consultations.
III. For established professionals & HNIs: TATA AIA Maha Raksha Supreme Select
· Provides comprehensive, high-value protection for individuals with significant financial responsibilities.
· Includes the “Life Stage Option” to increase life cover during key life events like marriage or childbirth.
· Offers a Renewability Option at Maturity to extend the policy term.
· Provides long-term, tax-efficient retirement payouts.
· Includes add-on riders for cancer coverage, waiver of premium, and accidental death/disability.
· Features a Critical Illness Benefit with a 30-year premium rate guarantee for stable pricing.
· Offers Hospi-cash Benefit with a 20-year premium rate guarantee, providing fixed daily benefits in case of hospitalization.
IV. For women consumers: TATA AIA Shubh Shakti
· A specially crafted protection plan that empowers women at every stage of their financial and life milestones.
· Offers comprehensive life cover along with exclusive wellness benefits promoting holistic well-being.
· Provides dedicated coverage for female-specific health challenges, including discounts on vaccinations for cervical cancer.
· Ensures uninterrupted protection with a premium-waiver benefit in case of the spouse’s accidental demise.
· Delivers special premium discounts for single mothers, supporting their unique needs.
· Features a flexible premium break option during pregnancy, offering financial relief when it’s most needed.
V. For NRIs male Consumers: TATA AIA Shubh Rakshak
· A straightforward and accessible protection plan designed to secure the future of your family back home in India.
· Provides globally accepted, rupee-denominated life cover along with wellness benefits for up to 2 family members.
· Features seamless digital on-boarding, tele-medical options, and global servicing for added convenience.
· Ensures your loved ones in India stay financially protected without concerns about currency fluctuations.
· Offers special discounts for salaried customers, making protection even more affordable.
Comprehensive protection with a focus on prevention
At Tata AIA, we believe true protection is holistic, encompassing both life coverage and preventive healthcare. Beyond traditional pay-outs, our term insurance solutions integrate health and wellness services to support individuals before, during, and after any health challenge:
The takeaway: Early protection for a confident future
Securing term insurance early has become more important than ever. Tata AIA Life Insurance’s term plans offer protection that evolves with your needs, providing comprehensive coverage that adapts as your life progresses. Whether you’re a young professional just starting out, a parent securing your family’s future, or planning for a comfortable retirement, Tata AIA Life Insurance ensures you have the protection you need at every stage of life.
Protect today. Live with confidence. Plan for tomorrow.
