Tata AIA Life Insurance Diamond Savings Plan

Overview

Every individual has different needs at different stages of life. We believe in protecting your dreams at various stages of life without compromising on your needs through financial resources. You do not have to think twice to live your dreams.

Tata AIA Life Insurance Diamond Savings Plan, a limited pay insurance plan that meets tomorrow's requirements along with protecting your loved ones. Investing in this plan will help you fulfil your medium and long-term goals, such as child’s education / second income and retirement planning.

Key Benefits

  • Guaranteed Income after premium payment term
  • Get vested Compound Reversionary Bonus and Terminal Bonus, if any; on maturity or on death
  • Pay for 8 or 12 years for a policy term of 18 or 25 years respectively
  • Get life cover for the entire policy term
  • Enhance your protection with optional Riders
  • Eligible for tax benefits under Section 80C and Section 10(10D) of the Income Tax Act, 19611

 

Eligibility Criteria:

Plan Parameters
Minimum Maximum
Age at Entry (years)^ 0 50
Age at Maturity (years)^ 18 75
Premium (in Rs. in multiples of 1000) 18,000 p.a. No Limit (subject to underwriting policy)
Premium Payment Mode Annual/ Half Yearly/ Quarterly/ Monthly Annual/ Half Yearly/ Quarterly/ Monthly
Policy Term 18 to 25 18 to 25
Premium Payment Term

8 years for Policy Term 18

12 years for Policy Term 25

8 years for Policy Term 18

12 years for Policy Term 25

Basic Sum Assured 11 times to the Annualized premium 11 times to the Annualized premium

 

^ All reference to age is as on last birthday

Tata AIA Life Insurance Smart Income Plus

Overview

Savings plans are the only which comes with inbuilt protection along with traditional savings scheme. You do not have to think before investing in such savings products.

Tata AIA Life Insurance Smart Income Plus is a limited pay income plan that meets tomorrow's requirements along with protecting your loved ones and dreams as it ensures you of guaranteed returns* for the money invested.

Key Features

  • Flexibility to choose between Regular Income or Endowment options
    -- Regular Income: Guaranteed Payouts as a percentage of the Annualised Premium (120% to 160%, basis premium paying term) shall be payable annually. The income shall commence from the end of policy year 9/12/14 for premium paying terms 7 / 10 / 12 years respectively and shall be payable till maturity.
    -- Endowment: A Guaranteed Payout as a multiple of the Annualised Premium will be paid at the end of policy year preceding the year of maturity.
  • Receive Guaranteed Payouts from 120% to 160% of the Annualised Premium under Regular
  • Income Option
  • Pay for 7/10/12 years, get guaranteed life cover for 15/21/25 years
  • Enhance your protection with optional Riders
  • Higher benefit for female lives

 

Eligibility criteria:

 

Plan Option Option 1: Regular Income
Option 2: Endowment
Plan Parameters Minimum Maximum
Age at Maturity (years)* 18 For PT 15: 65
For PT 21: 71
For PT 25: 75
Policy Term (PT) (years) 15/21/25
Premium Payment Term (PPT) (years) 7 for PT 15/10 for PT 21/12 for PT 25
Basic Sum Assured 11 times Annualised Premium
Premium^ (Rs.) (Premium in multiples of 1000) For Option 1: 18,000
For Option 2: 36,000
No limit subject to Underwriting
Premium Payment Mode Annual/ Half-yearly/ Quarterly/ Monthly

 

* All reference to age is as on last birthday.

^This Premium is exclusive of applicable taxes, cesses and levies or any other extra premium.

Tata AIA Life Insurance Gold Income Plan

Overview

Guarantee is required when we invest in savings product. Today nothing is guaranteed but Gold Income Plan brings it for us at our doorsteps.

Tata AIA Life Insurance Gold Income Plan, a limited pay income plan that meets tomorrow's requirements along with protecting your loved ones and dreams as it ensures you of guaranteed returns* for the money invested. This plan not only offers Guaranteed Lump Sum benefit on Maturity but also gives Guaranteed Income^ during the income term that increases every year.

Key Features

  • Pay for 5/12 years for a policy term of 12/15 years
  • Choose your Guaranteed Income* for 10 or 15 years
  • Get Guaranteed Maturity Benefit* at the end of the policy term
  • Receive Guaranteed Income starting @ 12% of the Basic Sum Assured
  • Enjoy increasing income with Income Boosters# of 5% to 10% on Guaranteed Income^
  • Get higher Guaranteed Income with higher annual premium payment
  • Enhance your protection with optional Riders
  • Receive tax benefits u/s 80C and 10(10D), as per the applicable Income Tax laws

 

Eligibility criteria:

 

Plan Parameters Minimum Maximum
Age at Entry (years)* 5 pay: 6
12 pay: 3
5 pay: 65
12 pay: 55
Age at Maturity (years)* 18 5 pay: 77
12 pay: 70
Policy Term (PT) (years) 12/15
Policy Payment Term (PPT) (years) 5 for PT 12/12 for PT 15
Basic Sum Assured "Basic Sum Assured" shall be equal to the Annualised Premium x Basic Sum Assured Multiple
Premium^ (Rs.) (Premium in multiples of 1000) 5 Pay: 50,000 p.a.
12 Pay: 36,000 p.a.
No limit subject to Underwriting
Premium Payment Mode Annual/ Half-yearly/ Quarterly/ Monthly

 

*All reference to age is as on birthday

^ This premium is exclusive of applicable taxes, ceases and levies or any other extra premium

Tata AIA Life Insurance Monthly Insurance Plan (MIP)

Overview

We all have dreams in life like owning a house, buying a dream car or going on a vacation; at the same time, planning for Children's Education, their Marriage, our Retirement and settlement of outstanding debts. Achieving all these dreams may seem like an uphill task, but it’s possible, if we are prepared for it. Step by Step investing small sums of money every month over a period of time, in a disciplined manner, will help your money to grow, so you can fulfil your dreams.

Tata AIA Life Insurance Monthly Insurance Plan (MIP) is a plan which helps you save monthly for a limited period to create big corpus for your future needs. Besides this, you get Guaranteed Yearly Additions and Bonuses to further enhance your savings along with Life cover and Tax Benefits.

Key Features

  • Build up a corpus for your future goals with monthly savings
  • Get Guaranteed Yearly Additions accrued at the beginning of each policy year
  • Get Compounded Revisionary Bonus and Terminal Bonus to further enhance your savings
  • Receive a lump sum benefit at maturity of the Policy
  • Get life cover of at least 10 times the annualised premium for the entire policy term
  • Enhance your life cover with optional Rider
  • Avail loan facility to meet unforeseen needs
  • Get tax benefits on investment and on returns, as per the applicable income tax laws

Tata AIA Life Insurance Guaranteed Monthly Income Plan

Overview

Time never stands still and neither do our financial needs. As we move through various stages of life, our requirements and those of our families change consistently. Along with this we also carry the burden of any uncertainty happening. We do our best to take care of our family's needs and to ensure the financial security of our family from uncertainties of life. Life Insurance is the best way to protect our family from a financial crisis in case of an unfortunate event and help your money to grow so you can fulfil your dreams.

Tata AIA Life’s Guaranteed Monthly Income Plan, provides financial protection for your family and a monthly income that meets tomorrow's requirements, thus helping you plan ahead towards your future needs and protection for your loved ones.

Key Features

  • Receive Guaranteed monthly income1 for double the Policy term
  • Applicable Large Premium Boost to increase your monthly income
  • Choose Policy Term of 5/ 8/ 12 years
  • Life cover to protect your loved ones
  • Enhanced protection with optional Riders2
  • Tax benefits under Section 80C and 10(10D) of the Income Tax Act, 1961

Tata AIA Life Insurance Fortune Guarantee

Overview

At every stage of your life you have a milestone to achieve. Along with this you also carry the burden of any uncertainty happening & work towards being prepared to face the same. Life Insurance is the best way to protect your family from financial crisis in case of an unfortunate event and help you to fulfil your dreams.

Tata AIA Life Insurance Fortune Guarantee plan provides life insurance cover throughout the policy term for the financial security of your family and a Guaranteed lump sum benefit on maturity to fulfil your future goals. You can also enhance your protection cover with a wide range of riders.

Key Features

  • Guaranteed Maturity Benefit* that varies from 114% to 275% of Total Premiums Paid.
  • Life Cover to protect your loved ones.
  • Flexible policy term & premium paying term.
  • Higher benefits for female lives.
  • Enhance protection through optional riders#
  • Tax benefits may be available u/s 80C & 10(10D) of the Income-Tax Act, 1961

* Guaranteed Maturity Benefit is "Maturity Sum Assured" which is equal to maturity Benefit factor multiplied by Total Premiums Paid, when maturity Benefit factor varies as per the gender, annualised premium band, premium paying term, policy term & entry age.

Tata AIA Life Insurance Money Back Plus

Overview

Tata AIA Life Insurance Money Back Plus is a participating non linked money back Insurance plan, which caters to your need for periodic payout at key stages in life along with life cover protection. This plan gives you the flexibility to choose from various term options to meet your financial commitments with the advantage of paying for only half the term along with enhanced savings with Bonuses throughout the term.

Make the right start with the "Tata AIA Life Insurance Money Back Plus" that will help you build a strong savings foundation with adequate financial protection so that you leave no stone unturned to add colours to your dreams!

Key Features

  • Survival payouts of up to 130% of Sum assured at regular intervals throughout the term
  • Life cover throughout the policy term regardless of the survival payouts already paid
  • Additional protection in case of Accidental death through inbuilt Accident Benefit
  • Limited premium payment equal to half the policy term
  • Enhance your Savings through Compounded reversionary bonus & terminal bonus
  • Lumpsum Maturity addition to meet your needs
  • Tax benefits u/s 80C & 10(10D) of the Income-Tax Act, 1961

Tata AIA Life Insurance Maha Life Gold

Overview

Throughout life's journey, one's goal is to create a secure future and a comfortable lifestyle for self and one's loved ones. How wonderful would it be if there is a product which can fulfill both short-term as well as future horizon life needs? Tata AIA Life Insurance MahaLife Gold is that product which enables to fulfill one's aspirations by being by one's side as a long-term companion.

Whether it's planning for a dream home in the near future, ensuring a good education for children through guaranteed income, enjoying the finer moments of life post-retirement, or creating a lump sum for your loved ones, rest assured your family will always be financially secured for a long period of time through Tata AIA Life Insurance MahaLife Gold.

Tata AIA Life Insurance MahaLife Gold provides a complete solution by ensuring that one creates a legacy for three generations through annual returns and bonuses till 85 years of age.

Key Features

  • Enjoy a life-long coverage up to age 85 by paying premium only for 15 years
  • Plan your legacy by ensuring regular income for yourself and your family for a long period of time
  • Guaranteed Annual Coupons starting from 10th policy anniversary till maturity
  • Non-Guaranteed Cash Dividends annually from 6th policy anniversary till maturity
  • Receive a lump sum at maturity in addition to the regular income
  • Option to enhance protection through a rider
  • Tax benefits u/s 80C and 10 (10D) of the Income -Tax Act, 1961

 

Eligibility Criteria:

Minimum entry age 0 years (30 days)
Maximum entry age 55 years 
Maturity age 85 years 
Policy Term 85 years minus entry Age
Premium Payment Term 15 years 
Payment Mode Annual / Semi-Annual / Monthly
Minimum Basic Sum Assured ₹ 1,00,000
Maximum Basic Sum Assured No Limit, Subject to underwriting

Tata AIA Life Insurance Maha Life Gold Plus

Overview

Changing times will never be a threat to your family or affect their future financial needs when you ensure complete protection for them. That's why we need to strive hard, so that assurance of guaranteed returns is maintained while enjoying moments with your family. We have come up with a solution that offers financial freedom not only to you but also your future generations and helps to retain their standard of living.

So make the right choice and secure your future and the future of your loved ones with just one policy that lets you afford a better tomorrow and leave behind a lump sum for the next generation of your family with Tata AIA Life Insurance MahaLife Gold Plus – A Limited Premium Paying, Non-Linked Participating Whole of Life Plan Up to Age 85.

Key Features

  • Enjoy a life long coverage up to age 85 by paying premium only for 15 years
  • An added benefit of enhancement in your protection by way of an Inflation Protection Cover during the policy term
  • Plan your legacy by ensuring regular income for yourself and your family for a long period of time
  • Guaranteed Annual Coupons* from 10th to 30th policy anniversary
  • Non-Guaranteed Cash Dividends annually from 6th policy anniversary till maturity
  • Receive a lump sum at maturity in addition to the regular income
  • Option to enhance protection through rider

 

Eligibility Criteria:

Minimum entry age 0 years (30 days)
Maximum entry age 55 years 
Maturity age 85 years 
Policy Term 85 years minus entry Age
Premium Payment Term 15 years 
Payment Mode Annual / Semi-Annual / Monthly
Minimum Basic Sum Assured ₹ 2,00,000
Maximum Basic Sum Assured No Limit, Subject to underwriting

Tata AIA Life Insurance Maha Life Supreme

Overview

Time never stands still and neither do our financial needs. As we move through various stages of life, our requirements and those of our families change consistently. There are times when we can save enough and then there are times that we need these savings to provide an income that may be required as a stand-alone income or as a supplement to other incomes. The better we are able to understand these needs, the better we can anticipate and plan for the same.

With the above need in mind, Tata AIA Life Insurance MahaLife Supreme plan is the best suitable plan. It is a Limited Premium Paying Non-Linked Non-Participating Endowment Assurance Plan that enables you to plan both your savings outflow and the required regular annual income inflow along with the all-important benefit of life insurance protection.

Key Features

  • Option to pay premiums for a limited period of either 12 or 15 years and receive guaranteed annual income^ for 18 or 20 years respectively
  • Limited premium payment endowment plan with Guaranteed Annual Income ^
  • Choose between 2 options - based on Policy Term and Premium Payment Term as per your requirement of savings outflow and required income inflow
  • Steady and Guaranteed Annual Income^ to provide a regular inflow of funds
  • Option to enhance protection through rider
  • On maturity, lump sum amount payable as a percentage of Basic Sum Assured as well as applicable Guaranteed Annual Income.

 

Eligibility Criteria:

Plan Options Option A Option B
Min entry age 18 years 18 years
Max entry age 50 years 50 years
Max maturity age 85 years 80 years
Policy Term 35 years 30 years
Premium Payment Term 15 years 12 years
Minimum Premium* p.a. (in multiples of ₹ 1,000) ₹ 15,000 ₹ 20,000
Basic Sum Assured 10 times annualised premium* 10 times annualised premium*

 

*Premium are exclusive of applicable taxes, cesses & levies

^Guaranteed Annual Income will start from the end of 16th policy year for option A and from the end of 13th policy year for option B. Option A and Option B are based on Policy Term and Premium Payment Term.

Tata AIA Life Insurance Secure 7

Overview

We believe in protecting your dreams at various stages of life without compromising on your basic needs through financial resources. You do not have to think twice to live your dreams as they now come with guaranteed resources for the future, protecting you from uncertainties of life.

Tata AIA Life Insurance Secure 7 is a limited premium paying Non-Linked Non-Participating Endowment Assurance Plan that meets tomorrow's requirements along with protecting your future, loved ones and dreams as it ensures you of guaranteed returns for the money invested.

Key Features

  • Pay for just 7 years and receive a Guaranteed Annual Income* for the next 7 years.
  • Protection against uncertainties of life for the entire policy term
  • Protection of the Guaranteed Annual Income against erosion due to inflation
  • Option to enhance protection through rider
  • On maturity, 25% of the Basic Sum Assured is payable
  • Tax Benefits available under Section 80C and 10 (10D)

 

Eligibility Criteria:

Min entry age 18 years
Max entry age 55 years
Max maturity age 69 years
Policy Term 14 years
Premium Payment Term 7 years
Minimum Premium ₹ 40,000* p.a.
Minimum Basic Sum Assured ₹ 2,50,000 (subject to minimum premium criteria and in multiples of ₹ 1,000)

 

*Guaranteed Annual Income payment will begin from the 8th policy anniversary and will continue till the 14th policy anniversary, provided the policy is in force and all due premiums have been paid.

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