Key Features
Comprehensive Life Cover
Provides a substantial lump sum to secure your family's financial future.
Women-Centric Benefits
Lower Premiums for Women with same benefits.
Child Education Add-on
Your child continues to receive monthly payouts dedicated to their school and college needs.
Who Should Consider This Plan?
Salaried Professionals
To supplement employer-provided insurance and ensure adequate family protection.
Business Owners
To protect their business from financial strain and ensure continuity.
Single Mothers
To secure their child's future education and other life goals.
NRIs
To provide a financial safety net for their family back in India.
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 |
TATA AIA Shubh Shakti: The Best Term Insurance for Women in India
If you’re a woman looking to protect your loved ones and your own health, TATA AIA Shubh Shakti is a term insurance plan designed with you in mind. Modern Indian women — whether salaried professionals, homemakers, single mothers, entrepreneurs, or NRIs — deserve insurance that fits their unique needs. Shubh Shakti offers not just life coverage, but also exclusive wellness benefits, affordable premiums, and features tailored for every life stage.
What is TATA AIA Shubh Shakti?
TATA AIA Shubh Shakti is a non-participating, non-linked term insurance plan for women. It brings together robust life cover with a host of health and wellness benefits created especially for women policyholders. Unlike ordinary plans, Shubh Shakti goes further by supporting you through major milestones in life – from pregnancy, motherhood, to entrepreneurship and more.
Key highlights:
- Annual health check-ups & teleconsultations
- Lower premiums for women
- Premium pause during pregnancy
- Rider options: Child Education Protection, Waiver of Premium on spouse’s accidental death
- Exclusive discounts for single mothers
- Tax benefits under Sections 80C & 10(10D)
Features & Benefits of TATA AIA Shubh Shakti
| Feature | Benefit for Policyholders |
|---|---|
| Lower Premiums for Women | Up to 15% discounted rates compared to male policyholders – maximum savings on term insurance for women. |
| Comprehensive Life Cover | Large lump sum payout to your family in the event of your demise during the policy period. |
| Health Buddy Enhance | Free annual health check-ups, doctor teleconsultations, PCOS and cancer screening, medicine and eyewear discounts. |
| Pregnancy Premium Break | Pause premium payments for up to 12 months during pregnancy—your benefits stay intact. |
| Child Education Protection (Add-on) | An optional rider ensures your child receives monthly funds for their education even if you’re not around. |
| Waiver of Premium on Spouse’s Accidental Death | If your spouse passes away in an accident, all future premiums are waived, and your cover continues. |
| Single Mother Discount | Extra 1% lifetime premium discount supports single mothers with long-term savings. |
| Tax Benefits | Eligible for Section 80C deductions on premium and Section 10(10D) tax-free payouts. |
Who Should Choose the Shubh Shakti Term Plan for Women?
This plan is perfect for all women seeking the best term insurance in India, including:
- Salaried Employees: Provides a safety net for dependent family members.
- Homemakers: Secures the children’s future and family needs, regardless of household income.
- Entrepreneurs & Business Owners: Ensures business continuity and family security amidst uncertainties.
- Divorced/Widowed Women: Guarantees support without relying on a co-earner.
- Single Mothers: Lifetime discount eases financial planning for your family.
- NRI Women: Supports international ambitions and maintains financial protection in India.
When Should You Buy the TATA AIA Shubh Shakti Term Insurance Plan?
- Marriage: Strengthen your marital finances with comprehensive protection.
- Parenthood: Secure your children’s education and well-being at every stage.
- Retirement: Enjoy lasting financial independence along with health-related benefits.
Real-Life Example
Meet Riya, a 35-year-old professional and mother of two. She chooses TATA AIA Shubh Shakti with a sum assured of ₹1 crore for 20 years:
- If Riya passes away, her family receives the full ₹1 crore cover.
- If her spouse dies in an accident, all her future premiums are waived.
- During pregnancy, she gets a 12-month break on premiums—her coverage continues uninterrupted.
- She opts for Child Education Protection, securing her kids’ school fees till age 21.
- Health Buddy Enhance provides her family with check-ups, teleconsultations, and pharmacy discounts.
TATA AIA Shubh Shakti ensures Riya stays healthy, empowered, and her family remains financially protected.
Frequently Asked Questions
Case studies of women who bought term insurance from us.
Why Meenakshi Chose Term Insurance Before Moving Abroad?
Meenakshi, a 27 year old IT professional from Chennai, reached out to us with a thoughtful question: "Does it make sense for a single working woman to buy term insurance now, especially if I’m moving abroad soon?"
During our consultation, we addressed her concerns, explaining that buying early locks in low premiums and that Indian term plans offer global coverage.
Understanding the long-term benefits, Meenakshi purchased a plan tailored for women. She has since moved to the US, married, and continues her policy, encouraging others to do the same.
Meenakshi’s story is a great reminder that starting your financial protection journey early provides peace of mind for the future.
How Anusha Secured Her Family’s Future with Term Insurance?
Anusha, a 38-year-old healthcare professional from Mumbai, approached us ready to buy a term policy. Married with two children, she planned to start a business in a few years and wanted to ensure her family's security.
We helped her choose a long-term plan covering her until age 85, which provided peace of mind regardless of her future career path. Inspired by her proactive decision, her husband also purchased a significant term policy.
Anusha’s story highlights how women leading financial planning can set a powerful example for the entire family.
Summary: Why Choose TATA AIA Shubh Shakti from VenkatInsurance.com?
- ✅ Highest-rated term plan for women in India
- ✅ Lower premiums and special discounts
- ✅ Exclusive pregnancy and maternity support
- ✅ Child’s education protection
- ✅ Tax savings and health benefits
Don’t leave your family’s future to chance! Reach out for a personalized quote and unbiased advice from our insurance experts. Call us at +91 9384716268 or visit VenkatInsurance.com today.
Learn More About TATA AIA Shubh Shakti
Want to understand how TATA AIA Shubh Shakti works, its unique women-centric benefits, and how it compares with other term plans?
Read our detailed guide: What is TATA AIA Shubh Shakti Term Insurance for Women?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.