Not Recommended as PT MAX is 20 years, that too compared to SRP High Cost.
| Saral Jeevan – Minimum Income – Rs.2Lakhs (Max PT – 20 Years) | ||
| Particulars | Remarks | |
| Age Eligibility | 18 – 45 | |
| Gender | M / F | 1.Female: 15% lower premium |
| Plan Option | Life Secure (NROP)Life Secure Plus (ROP) | |
| Basic Sum Assured | Min ₹5Lakh Max 25 Lakh | |
| Premium Payment Options | 1.Single 2.Limited Pay –5, 10 3. Regular Pay | |
| Premium Payment Term | Min 5 – max 20 | |
| Policy Term | Min 5 – Max 20 | Till 65 years but logically if 30 years person can take up to 30+20 = 50 years |
| Salaried Discount Not | Not Showing | |
| Riders — TATA AIA VITALITY | 1. Accidental Death (AD) 2. Accidental Total and Permanent Disability (ATPD) 3. Citicare plus (max 5 PT) ** ROP option not suggested **Criti Care are subject to renewal for every 5 Years. | Criticare: 40 Critical illness including cancer an cardiac conditions |
| Particulars | Details |
|---|---|
| Insurer | Tata AIA Life Insurance |
| Plan Name | Tata AIA Life Saral Jeevan Bima |
| Policy Term (PT) | 20 years |
| Premium Payment Term (PPT) | 10 years |
| Smoker/Non-Smoker | Non-Smoker |
| Age | 35 years |
| Gender | Male |
Coverage and Benefits
| Benefit Type | Amount (₹) |
|---|---|
| Life Cover | 25,00,000 |
| Death Benefit (At Policy Inception) | 25,00,000 |
| Accidental Death Benefit (ADB) | Optional |
| Accidental Total and Permanent Disability Benefit (ATPD) | Optional |
| Criticare Plus Benefit (CPB) | Optional |
Premium Details
| Annual Premium (Base Plan) | 17,975 |
| Goods & Services Tax (GST) | 3,236 |
| Total Annual Premium (Including GST) | 21,211 |
Remaining all T&C are same like Sampoorna Raksha Promise (SRP)