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    Tata AIA Life Protect Supreme (USD Denominated)

    Secure your family's future with Tata AIA Life Protect Supreme (USD Denominated), a term insurance plan offering life insurance coverage in US dollars. ... Read more No matter where you are in the world, this plan offers comprehensive coverage, ensuring financial stability and peace of mind for your loved ones. Invest in a secure tomorrow, today.Read less

    What is a USD Denominated term insurance plan?

    A USD denominated term insurance plan is a life insurance policy where premiums are paid, and benefits are received in US dollars. It is suitable for individuals who earn income in foreign currencies.

    Tata AIA Life Protect Supreme (USD Denominated) is a life insurance plan that provides financial protection to your family. The coverage under this plan is offered in US dollars.

    This feature protects the insured from risks caused by rupee depreciation. It also helps maintain the value of the coverage over time.

    The plan offers flexible coverage options and premium payment terms. It also provides additional protection through benefits such as accidental death, disability, and critical illness coverage.

    With Tata AIA Life Protect Supreme (USD Denominated), you can secure your family's financial future. The plan also helps protect your coverage from inflation and currency fluctuations.

    Benefits of Tata AIA Life Protect Supreme (USD Denominated)

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    Pay Premiums in US Dollars

    Pay and receive benefits in US dollars.                                                                                                                            

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    Protection against Inflation

    Transacting in US Dollars offers protection against inflation risk due to fluctuating exchange rates.

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    Get Whole Life Insurance Coverage

    Get life cover till 100 years of age for peace of mind wherever you go.                                                

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    Multiple Plan Options

    Select from 5 plan options: base plan or options with accidental disability and health benefits.

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    Accidental Death Benefit

    Get accidental death sum assured as additional benefit in case of death due to accident. Available with specific plan options

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    Accidental Total and Permanent Disability Benefit

    Get a lump sum benefit or waiver of future premiums, or both, depending on the plan option chosen. in case of disability due to an accident. 

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    Critical Illness Benefit

    This option provides a lump sum amount to cover medical and hospitalization expenses.

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    Payor Accelerator Benefit

    50% of the Base Sum Assured is paid out as a lump sum on diagnosis of the Terminal Illness and future premiums are waived off.

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    Cover Enhancement Options

    Increase life cover by a defined percentage on important life stages like marriage, child birth, home loan, etc using Top-up option.

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    Renewability Option at Maturity

    Extend coverage of your term plan at maturity up to five times.

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    Flexible Payout Option

    The policyholder will have the option to opt for lump sum, staggered benefit or a combination of a lump sum amount and staggered benefit, as at the time of purchase.

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    Renewability option at Maturity

    At maturity, the policyholder can choose to extend the term of their policy. This option can be exercised for a maximum of five times and is subject to company underwriting guidelines.

    What are the benefits of NRI Term life insurance plans?

    The key benefits of this NRI term plan are:

    1

    Easy purchase with minimal documentation

    As an NRI, OCI, or PIO, you are not mandated to be present in India to purchase the term insurance plan. You can purchase it from your country of residence through a simple and secured online process. 

    2

    Telemedical check-up

    If you decide to buy term insurance and are currently residing abroad, you can utilise the telemedical check-up options to get your medical examination for the term insurance plan. You can schedule an appointment online at your convenience and upload the necessary medical reports for the examination.

    3

    Hassle-free claim processes

    The process to raise a term insurance claim is hassle-free online. You will just have to fill out the claim intimation form, upload the necessary documents, and register for the claim settlement.

    4

    Various premium payment methods

    Furthermore, you can choose between the Single Pay, Regular Pay, and Limited Pay options with monthly, quarterly, semi-annually, and annual payment frequencies for the Regular and Limited Pay options.

    6

    Customised coverage and policy tenure

    Financial requirements can never be the same for individual families. For a term insurance policy, you can decide on the extent of life insurance coverage required and for what period. 

    7

    Affordable premium rates

    Term insurance plans are available at affordable premium rates and if you decide to purchase it at a younger age, you can benefit from even lower premiums, considering the healthy life and lesser risk. 

    Who should buy the Tata AIA Life Protect Supreme (USD Denominated) Term Plan?

    Tata AIA Life Protect Supreme (USD Denominated) plan is designed for individuals of Indian origin who live or work abroad. It provides life insurance protection in US dollars.

    • 1. Non-Resident Indians (NRIs)

      Non-Resident Indians are Indian citizens who live outside India for employment, business, or other purposes. Many NRIs earn income in foreign currencies. They may also have financial responsibilities both abroad and in India.

      A USD-denominated term insurance plan helps NRIs protect their family's financial future. It also helps maintain the value of coverage despite exchange rate fluctuations.

    • 2. Persons of Indian Origin (PIO)

      Persons of Indian Origin are foreign citizens who have ancestral ties with India. Their parents, grandparents, or great-grandparents may have been born in India.

      Such individuals may continue to have financial connections with India. They may choose a life insurance policy in India to secure their family's financial future.

    • 3. Overseas Citizens of India (OCI)

      Overseas Citizens of India are foreign nationals of Indian origin who can live and work in India indefinitely.

      OCI cardholders may also look for financial protection solutions in India. A USD-denominated term insurance plan can provide global life coverage and financial security for their dependents.

    Plan Options

    Life Option

    Take control of your life insurance coverage today! With our Life Option, you can get a pure life cover with an extensive sum assured.

    Extra Life Option

    Enhance your coverage with the Extra Life option, including accidental death benefits to your term policy.

    Extra Life with Disability Cover Option

    Elevate your term life insurance coverage with the Extra Life with Disability Cover option, offering both accidental death and total permanent disability benefits.

    Health Plus Option

    Opt for the Health Plus option to add critical illness coverage to your policy. Customise your protection today for a healthier tomorrow!

    Comprehensive Option

    This Comprehensive Option includes death, accidental death, total and permanent disability, and critical illness benefits.

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    Plan NameBasic Sum Assured and Payor Accelerator BenefitAccidental Death Sum AssuredAccidental Total and Permanent Disability Sum AssuredCritical Illness Sum Assured

    Life

    Yes

    No

    No

    No

    Extra Life

    Yes

    Yes

    No

    No

    Extra life with Disability Cover

    Yes

    Yes

    Yes

    No

    Health Plus

    Yes

    No

    Yes

    Yes

    Comprehensive

    Yes

    Yes

    Yes

    Yes

    Steps to buy Tata AIA Life Protect Supreme Plan (USD Denominated)

    1. Assess your insurance needs.
      Evaluate your financial responsibilities, liabilities, and family requirements before deciding the coverage amount.
    2. Step 2: Select the plan option
      Choose the most suitable plan option based on your protection needs, such as Life, Extra Life, Extra Life with Disability, Health Plus, or Comprehensive coverageCover.
    3. Step 3: Fill the online application form
      Provide the required personal and financial details through the online application process.  
    4. Step 4: Complete medical examination
      Depending on the insurer’s requirements, complete the telemedical check-up or submit medical reports.
    5. Step 5: Policy issuance
      After underwriting approval and premium payment, the insurance company issues the policy document.

    Claim Process

    1. Step 1: Inform the insurer
      The nominee should inform the insurance company about the claim through the online claim intimation process.
    2. Step 2: Submit required documents
      Upload or submit the necessary documents such as the death certificate, policy details, and identity proof.
    3. Step 3: Claim verification
      The insurer verifies the submitted documents and reviews the claim according to policy terms.
    4. Step 4: Claim settlement
      Once the claim is approved, the benefit amount is paid to the nominee in US dollars.

    How is the premium is calculated?

    The premium of a term insurance policy depends on several factors such as age, gender, lifestyle habits, medical history, policy tenure, and coverage amount.

    Usually, the premium increases with age. So, the earlier you buy a plan, the plan gets cheaper for you.

    It can also increase for having underlying medical condition which may impact your mortality. The premium for smokers is higher than a non-smoker by around 30%-40%.

     

    Sample Illustration

    USD 700,000 life cover | Standard Life | Premium Payment term: 50 years | Policy Term : 50 years | Regular Pay | Life Option | Female | Monthly Premium

    AgePremium Amount (USD per month)

     

    Non-Smoker

    Smoker

    18

    53

    94

    20

    60

    108

    25

    81

    156

    30

    139

    239

    35

    234

    370

    40

    392

    555

    How to estimate your coverage needs?

    When choosing the coverage amount, consider the following methods:

    Income replacement method

    Ensure that the life cover is sufficient to replace your income for your family’s future needs.

    Rule of thumb

    A common guideline is to select a coverage amount that is 10 to 15 times your annual income.

    Liability coverage

    Include all existing liabilities such as home loans, education loans, or personal loans while calculating coverage requirements.

    Future financial goals

    Consider future expenses such as children’s education, marriage, and retirement planning.

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    Tax, compliance & repatriation (FEMA / RBI)

    1

    Premium payments and policy proceeds must comply with the regulations issued by the Reserve Bank of India (RBI) and the Foreign Exchange Management Act (FEMA).

    2

    Premium payments may be made through authorised banking channels permitted for NRIs.

    3

    The death benefit received by the nominee is generally tax-exempt2 under applicable income tax provisions, subject to prevailing tax laws.

    4

    Policy proceeds can be repatriated abroad as per RBI guidelines and banking procedures.

    6

    The policyholder must comply with all Know Your Customer (KYC) and regulatory documentation requirements during purchase and claim settlement.

    What This Term Plan Helps Protect: Family, Home, and Future?

    Young family

    Individuals with young families may purchase this plan to ensure their spouse and children remain financially secure in case of an unexpected event.

    Mortgage protection

    Policyholders who have taken home loans or other financial liabilities may use the insurance payout to ensure that their family can repay the outstanding debt.

    Retirement planning

    Even during later stages of life, individuals may opt for life insurance coverage to provide financial security and support for their dependents.

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    Why Choose Tata AIA International?

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    Invest and receive benefits in globally accepted US Dollars

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    Experience the unmatched security and peace of mind with Tata AIA Assurance.

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    Select from flexible plan options that can be tailored as per your needs

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    99.41% Individual Death Claim Settlement Ratio3

    22T&C apply.

    Looking to buy a new life insurance plan?

    Our experts are happy to help you!

    Looking to buy a new life insurance plan?

    Our experts are happy to help you!

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    By submitting details, I accept TATA AIA Life’s Privacy Policy. TATA AIA Life Insurance Co. Ltd will send you updates on your policy, new products & services, insurance solutions or related information. Select here to opt-in. A TATA AIA sales expert will call you from a 1600-series number to assist with your requirement.

    Please tick the check box to proceed

    By submitting details, I accept TATA AIA Life’s Privacy Policy. TATA AIA Life Insurance Co. Ltd will send you updates on your policy, new products & services, insurance solutions or related information. Select here to opt-in. A TATA AIA sales expert will call you from a 1600-series number to assist with your requirement.

    Please tick the check box to proceed
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    1. Can NRIs buy term insurance plans in India?
    NRIs are eligible to purchase a term insurance plan in India. With our Life Protect Supreme (USD Denominated) plan, they can invest and benefit in US dollars. In addition, they can customise it based on their needs, choosing the life insurance coverage, policy tenure, and premium payment option.

    2. Is it mandatory for NRIs, OCIs, or PIOs, to be present in India to buy term insurance?
    No, it is not mandatory for them to be present in India for the purchase. They can apply online, take the telemedical/video health check-up, and upload the necessary documents from their country of residence to buy term insurance online.

    3. Will the term insurance proceeds be provided to my nominee if they change their country?
    Yes, your nominee will be eligible to receive the term insurance benefits even if they change their country of residence. However, the change in the residence has to be communicated for any process changes.   

    4. Can an OCI buy a term insurance plan in India?
    NRIs, PIOs, and OCIs can purchase term insurance in India, subject to fulfilling their eligibility conditions.

    1.How does the US-denominated term insurance plan help NRI, OCI, and PIO policyholders?

    The US-denominated term insurance plans allow the policyholders to invest and receive the benefits in US dollars. Being a stable currency, it can protect the coverage benefits against inflation and exchange rate fluctuations during the long term. 

    2.What are the premium payment options applicable to Tata AIA Life Protect Supreme (USD Denominated)?

    The applicable premium payment options for Life Protect Supreme (USD Denominated) are:
     

    • Single Pay - Make single lump sum payment at policy inception.
    • Regular Pay - Pay for the policy till the end of the policy term. Choose from available payment options - monthly, quarterly, semi-annually, annually. In Regular pay, premium payment term is same as policy term.
    • Limited Pay - Pay for the policy for a defined period of time selected at policy inception. Choose from available payment options - monthly, quarterly, semi-annually, annually. In limited pay, premium payment term is less than policy term.

    While the premium payment gets completed within the stipulated period, the coverage will remain active throughout the policy tenure.

    3.What is the term insurance coverage applicable in Life Protect Supreme (USD Denominated) after availing of the Payor Accelerator Benefit?

    If the death claim is raised after receiving the Payor Accelerator Benefit, the applicable death benefit will be reduced by the amount already paid.

    4.What can be the percentage of increase under the Top-Up Sum Assured option?

    The sum assured can be increased by a fixed percentage ranging from 5% to 20% of the base sum assured decided at inception every year. However, it is subject to the policy terms and conditions. Refer to the brochure for more details.

    1.How to initiate a claim for the term insurance for NRIs online?

    The nominee can raise a claim online at our online intimation page or connect with us for further queries. 

    2.How is the term insurance claim settled?

    The term insurance proceeds for the Life Protect Supreme (USD Denominated) will be settled in US dollars. It is settled upon verification of the necessary documents and the applicable settlement guidelines. You can Connect with Us for more details.

     

    • Tata AIA Life Protect Supreme (USD Denominated) - Non-Linked, Non-Participating, Individual Life Insurance Product (UIN: TALN001V01) Tata AIA Life Insurance Company, IFSC Branch (IIO) Branch (Reg No: IFSCA/IIO/008/2023-24)
    • The information, provided herein, may not be treated as a solicitation request in any manner. Any decision to buy online insurance by NRIs is completely his/her choice. The insurer is permitted to solicit insurance in India and and settles claim in USD/Forex Currency.
    • 1Illustrated premium of $53 is the monthly premium for a 18 yr. old female, Standard Life, Non-Smoker for $700,000 Sum Assured with Policy Term of 50 yrs. (Regular Pay), premium payment term of 50 years, under Life Option of Tata AIA Life Protect Supreme (USD Denominated). Please refer Benefit Illustration for more details.
    • 2Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. The Tax-Free income is subject to conditions specified under section 10(10D) and other applicable provisions of the Income Tax Act,1961. Tata AIA Life Insurance Company Ltd. does not assume responsibility on tax implications mentioned anywhere on this site. Please consult your own tax consultant to know the tax benefits available to you.
    • 3Individual Death Claim Settlement Ratio is 99.41% for FY 2024-25 as per latest annual audited figures. 
    • Insurance cover is available under this product. For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale.
    • This plan offers pure risk premium option along with other benefits. Please refer sales brochure for complete details.
    • The products are underwritten by Tata AIA Life Insurance Company Limited, IFSC Branch.
    • This plan is not a guaranteed issuance plan, and it will be subject to Company’s underwriting and acceptance.
    • Buying a Life Insurance policy is a long-term commitment. An early termination of the policy usually involves high costs, and the Surrender Value payable may be less than all the Premiums Paid.
    • Tata AIA International is Tata AIA Life Insurance Company, IFSC Branch (IIO)
    • For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale.
    • L&C/IIO/2026/Apr/0034