Key Features of the Plan
Market-Linked Growth
Invest in a choice of funds to grow your wealth alongside your life cover.
Comprehensive Protection
Life cover, accidental death & disability, and terminal illness benefits.
Double Accidental Benefit
Enhanced payout for accidents on public transport.
Wellness Program
Get rewarded for a healthy lifestyle with Tata AIA Vitality.
Return of Premium
Get back your Vitality Protect Advance premiums at maturity.
Loyalty Additions
Boost your fund value with additions from the 11th policy year onwards.
Flexible Plan Options
Premium Payment Flexibility
Choose to pay for a limited period (5, 7, 10, 12 years) or throughout the policy term. Align your payments with your income stream.
Investment Fund Choices
Select from a range of equity and debt funds to match your risk appetite and financial goals, with the option to switch between funds.
Who Should Consider This Plan?
Param Raksha Life Pro Plus is ideal for forward-thinking individuals who want more than just a life insurance policy. It's for those who seek a dynamic financial tool that protects their family while actively growing their wealth. If you are a disciplined investor, a parent planning for a child's future, or someone who wants their insurance to work as hard as they do, this plan offers the perfect blend of features.
This plan is exceptionally well-suited for individuals and families who want a single, powerful financial tool to build wealth, protect their legacy, and adapt to every stage of life with confidence.
Plan Parameters
| Entry Age (Min-Max) | 18 - 55 years |
| Maturity Age (Max) | 85 years |
| Policy Term | 30 to 40 years |
| Premium Payment Term | Regular Pay, or Limited Pay (5, 7, 10, 12 years) |
| Sum Assured (Min-Max) | ₹50 Lakhs to No Limit (subject to underwriting) |
| Premium Payment Modes | Annual, Half-yearly, Quarterly, Monthly |
Frequently Asked Questions
Disclaimer: This information is not a contract of insurance. Please refer to the official Policy wording document for precise terms and conditions. All benefits are subject to policy terms and underwriting. Market-linked products are subject to market risks.