Signature 3D Term Plan vs Sampoorna Raksha Promise

Regular Premium: 10 to 62 years; Limited Premium: 15 to 62 years; Whole Life with Limited Premium (3D - Pure Term): 34 to 81 years; 3D - TROP Regular: 15 to 62 years

Other than PoS (months): Life Promise minimum 13 (Regular pay) / 14 (Limited pay) / 1 (Single pay); Life Promise Plus minimum 120; maximum 984 months (whole of life cover available to age 100)

No Limit subject to Board Approved Underwriting Policy (POSP: Rs 25 Lakh)

No Limit subject to Board approved underwriting policy (BAUP)

Life Promise, Life Promise Plus, Joint Life Promise, Joint Life Promise Plus

Regular Premium (10 to 62 years); Limited Premium 10, 15, 20, 25, 30 years (TROP: 15, 20, 25, 30); Whole Life with Limited Premium: minimum (70 minus Entry Age, 30 years), 10, 15 (5 years only for entry age 65)

Regular Pay (equal to policy term), Limited Pay (maximum PPT = policy term less 1 month), Single Pay; Single/Yearly/Half-Yearly/Quarterly/Monthly modes

Yes

Yes

Lumpsum (3D - Pure Term, Accelerated, TROP); Lumpsum plus Regular Monthly Payouts for 10 years (3D - Family Plus)

Lump sum, staggered benefit (level or increasing income over a benefit period up to 30 years), or a combination (Dependent Care / Payout Plan chosen at purchase)

Aviva Accidental Casualty Non-Linked Rider (UIN: 122B035V01), Aviva New Critical Illness Non-Linked Rider (UIN: 122B036V02), Aviva Cancer Cardio Non-Linked Rider (UIN: 122B037V02)

Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider (UIN 110B033V04), Tata AIA Life Insurance Non-Linked Comprehensive Health Rider (UIN 110B031V04), Tata AIA Vitality Protect (UIN 110B046V04), Tata AIA Vitality Health (UIN 110B045V03)

Yes

Yes

Waiver of Premiums in case of Critical / Terminal Illness: applicable with Aviva New Critical Illness Rider and 3D - Accelerated option

Inbuilt waiver of premium on terminal illness (after Payor Accelerator Benefit claim)

Male, age 30, 3D - Pure Term option, Sum Assured Rs 1 Cr, Policy Term 30 years, annual premium rate. Smoker status, premium payment term and tax treatment not stated.

Product page footnote 16: 'annual premium for a 30 yr. old male, Standard Life, Non-Smoker for Rs 1 Cr. Sum Assured with Policy Term of 30 yrs. (Regular Pay) under Life Promise Option ... with first year premium discount of 10% for digital purchase and 8.5% for salaried person.' Illustrated profile: salaried professional. GST inclusion not stated. Matches the target profile except that first-year digital and salaried discounts are applied.

FY 2024-25: individual death claims paid out of claims decided and pending, by number, computed from IRDAI Handbook on Indian Insurance Statistics (Table 15)

FY 2024-25: individual death claims paid out of claims decided and pending, by number, computed from IRDAI Handbook on Indian Insurance Statistics (Table 15)