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IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER
Tata AIA
Specialized Solution Corner
Get customized solutions for Life Cover, Savings, Investments and Health Benefits!
Are you looking to secure your goals and your loved ones’ financial future? Check out the various life insurance plans from Tata AIA and choose the one that matches your goals and budget.
With Tata AIA Life Insurance, online plans and our simple online processes, you can easily buy an insurance plan online to ensure that you can easily avail of a life cover and many other life insurance benefits while saving your time, effort and money.
Tata AIA
Specialized Solution Corner
Get customized solutions for Life Cover, Savings, Investments and Health Benefits!
Get specialized solutions from Tata AIA that combines multiple life insurance products, their features, and benefits into a single solution to cater to your individual financial requirements. Whether you seek wealth creation, capital protection, health and wellness benefits, or your child’s better financial future, our comprehensive solutions have you covered!
Tailored for your Investment Goals with Capital Protection
In this policy, the investment risk in investment portfolio is borne by the policyholder.
Capital Guarantee Advanced Solution
Solution Composition
Capital Guarantee Advanced Solution is designed for combination of benefits of two individual and separate products named (1) Tata AIA i Systematic Insurance Plan (Unit Linked Individual Life Insurance Savings plan) - UIN:110L164V02 and (2) Tata AIA Life Guaranteed Return Insurance Plan (Individual, Non-Linked Non-Participating Life Insurance Savings Plan) - UIN:110N152V12. These products are also available for sale individually without the combination offered/ suggested. This benefit illustration is the arithmetic combination and chronological listing of combined benefits of individual products. The customer is advised to refer the detailed sales brochure of respective individual products mentioned herein before concluding sale.
1T&C apply
Capital Guarantee Solution
Solution Composition
Capital Guarantee Solution is designed for combination of benefits of two individual and separate products named (1) Tata AIA Life Insurance Smart Income Plus (Non-Linked, Non-Participating Individual Life Insurance Savings Plan) - UIN: 110N126V05 and (2) Tata AIA Life Insurance Wealth Pro (Unit Linked, Individual Life Insurance Savings Plan) - UIN: 110L111V04 or Tata AIA Life Insurance Fortune Pro (Unit Linked, Individual Life Insurance Savings Plan) UIN: 110L112V06. These products are also available for sale individually without the combination offered/ suggested. This benefits illustration is the arithmetic combination and chronological listing of combined benefits of individual products. The customer is advised to refer the detailed sales brochure of respective individual products mentioned herein before concluding sale.
5T&C apply
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What you need?
Family’s Financial Security - You want to secure your family in case of any unfortunate event while investing for market-linked returns during the policy tenure.
Capital Appreciation - You want your capital to create wealth in the long term to achieve your future financial objectives.
Capital Protection - Risk is directly proportional to returns. However, although you expect returns affording higher risk during the investment tenure, you intend to have a mechanism to protect your capital.
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How Tata AIA Life Insurance Specialised Solutions Help
Get Comprehensive Solution - We offer comprehensive specialised solutions to cater to your investment objectives while securing your family’s financial future and capital protection.
Customised Benefits - We offer specialised solutions that combine two or more life insurance plans. You can choose the product combinations in some products based on your financial requirements. Furthermore, you can decide on the premium payment term, policy tenure, fund options, etc., to make your investment convenient for the long term.
Online Solution - You can purchase our specialised solutions by comparing the product solutions and their offerings online.
Aligned To Higher Life Cover, Health Coverage and Better Market-Linked Returns
In This Policy, The Investment Risk in Investment Portfolio Is Borne by The Policyholder.
Param Rakshak Plus
Solution Composition
Param Rakshak Plus Solution comprises of Tata AIA Life Insurance Smart Sampoorna Raksha, A Unit-linked, Non-participating, Individual Life Insurance Plan for Savings and Protection (UIN:110L156V03), Tata AIA Vitality Protect Plus, A Non-Linked, Non- Participating Individual Health rider (UIN: 110A048V02) and Tata AIA Vitality Health Plus, A Non-linked, Non-participating, Individual Health Rider (UIN: 110A047V02). Tata AIA Smart Sampoorna Raksha is also available individually for sale.
Param Rakshak (Return of Premium)
Solution Composition
Param Rakshak solution comprises of Tata AIA Life Insurance Smart Sampoorna Raksha - A Unit-linked, Non-participating, Individual Life Plan for Savings and Protection (UIN:110L156V03), Tata AIA Vitality Protect Plus - A Non-linked, Non-participating, Individual Health Rider (UIN: 110A048V02 or any other later version)
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What you need?
Higher Life Cover - Higher life cover to secure the family’s financial future at an affordable rate.
Higher Market-Linked Returns - Better investment opportunities for higher market-linked returns7 long term to satisfy future money goals.
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How Tata AIA Life Insurance Specialised Solutions Help
Offer Dual Benefits - We offer life insurance plans with a life cover to secure your family and fund options to invest long-term based on your risk profile for higher returns, such as equity fund options.
Rider Options - We offer customisable add-on riders11 for life insured to pay for their medical expenses if diagnosed with a critical illness, waive future premiums if they are affected due to a disability, etc., during the policy period.
Flexible Investment Opportunities - You can invest in fund options based on your risk appetite, such as equity fund options, debt fund options, and hybrid fund options. In addition, you can choose to switch between the fund options considering the market volatility.
Secure your Golden Years
Tata AIA Saral Pension
A Single Premium Non-Linked, Non-Participating, Individual, Immediate Annuity Plan (UIN: 110N159V07)
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What you need?
Financial Security - Financial security for your family in an unexpected accident or any unfortunate events
Income Tax Benefits - Get income tax14 benefits and save more.
Peaceful Retirement - Turn your retirement into a pre-paid vacation
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How Tata AIA Life Insurance Specialised Solutions Help
Retirement Planning - Tata AIA Saral Pension plan helps you secure your golden years and get the stability of regular income for your peace of mind – all with a single payment.
Customisable options - You can customise the product based on your financial needs by choosing the premium payment options and policy tenure.
Safeguarding Tomorrow: Planning Your Child’s Future
In This Policy, The Investment Risk in Investment Portfolio Is Borne by The Policyholder.
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What you need?
Securing funds for your child’s future - Your highest objective is to plan and secure funds for your child’s future by ensuring a capital appreciation, guaranteed return, or both.
Life cover - While securing funds, you also need to ensure financial protection for your family to reduce their financial burden in the event of your unexpected demise.
Financial flexibility - You will require a financial product that can offer flexibility in its features, such as premium payment and payout options, policy tenure, etc.
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How Tata AIA Life Insurance Specialised Solutions Help
Combined solution - We offer comprehensive specialised solutions to ensure capital protection while securing funds for your child’s future financial commitments such as their education, marriage, etc.
Flexible plan options - You can choose from our specialised solutions and decide on the product combinations. In addition, you can save funds if you have a definite financial goal for your child by acquiring guaranteed returns decided during policy inception. Furthermore, you can decide the required sum assured, policy period, premium payment term, etc.
How Can a Specialised Solution Make a Difference for You?
Broad Coverage
When you purchase a specialised solution, you can ensure the required life coverage, savings, and investment benefits based on different milestones and changing financial commitments for your future.
Customised Solution
A specialised solution caters to your specific needs based on your financial flexibility. For instance, based on your financial obligations, you can decide on the type of maturity benefit required, premium payment method, frequency of premium payment, etc.
Save on Tax
You can avail of tax deduction and tax14 exemption benefits as per applicable income tax laws for purchasing life insurance plans in India.
Convenient to Purchase and Manage
You can compare the features and benefits of the specialised solutions online and purchase a suitable product for your financial needs. Furthermore, you can manage multiple offerings as a single product through the policy tenure instead of purchasing separate products.
Why Choose Tata AIA Life Insurance?
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99.01%
Individual Death Claim Settlement Ratio15 in FY 22-23
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72 Lakh+
Families protected so far16
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Rs 4,00,000 Crore+
Among the highest retain sum assured17
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Rs. 81,000+ Crores
Assets Under Management18
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400+ Branches
Presence across major cities in India
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Pay as per Convenience
Choose premium payment mode as per convenience
Frequently Asked Questions (FAQs) About Specialised Solutions
What are the specialised solutions offered by Tata AIA Life Insurance?
Specialised solutions offered by Tata AIA Life Insurance include:
- Tata AIA Life Insurance Capital Guarantee Solution
- Tata AIA Life Insurance Capital Guarantee Advanced Solution
- Tata AIA Life Insurance Param Rakshak Plus
- Tata AIA Life Insurance Param Rakshak (Return of Premium)
- Tata AIA Saral Pension
How does capital protection work in investment solutions?
Capital protection ensures your initial investment remains secure from market volatility. It shields the capital against potential losses while allowing you to benefit from favourable market prices.
How does a specialised solution cater to individual financial needs?
Specialised solutions are designed to address specific financial needs. The tailored or personalised approach allows you to choose products and features that align with your financial goals, such as health coverage, capital protection, securing finances for children, etc.
How does a specialised solution offer coverage beyond traditional life insurance plans?
The specialised solution offers coverage beyond standard life insurance plans by focusing on varied financial requirements such as investment opportunities, capital protection, etc.
How do I determine which is the best specialised solution coverage for me?
Choosing the best specialised solution for you will depend on your financial goals and needs. You can compare the features and benefits of the various specialised solutions and decide on a suitable product combination.
How does the Tata AIA Vitality Wellness Program help reduce the premium?
The Tata AIA Vitality Program9 is a holistic wellness program that motivates you to achieve your health, fitness, and wellness goals. You can opt for regular health check-ups to monitor your health condition. Upon showing a steady improvement in health condition, you can avail of discounts in premium.
What premium payment methods apply to Tata AIA Life Insurance specialised solutions?
You can choose between the single premium payment, limited premium payment, and regular premium payment options based on what is offered in the specific specialised solution.
Single premium payment - You can pay the premium as a lump sum as a single payment during policy inception.
Limited premium payment - You can pay the premium for a limited term monthly, quarterly, semi-annually, or annually while ensuring coverage throughout the policy tenure.
Regular premium payment - You can pay the premium regularly throughout the policy tenure monthly, quarterly, semi-annually, or annually.
How can I initiate a claim online?
You can initiate a claim online using the following simple steps.
Visit the Tata AIA Life Insurance official web page.
Navigate to the ‘Where Do I?’ tab.
From the drop-down menu, click the ‘Claim Intimations’ option.
Provide the necessary details and upload the required documents to file a claim online.
How can I track the status of my claim?
You can track the status of your claim using the following simple steps:
Visit the Tata AIA Life Insurance official web page.
Navigate to the ‘Where Do I?’ tab.
From the drop-down menu, click the ‘Track Your’ option.
Choose the Claim Status option.
Provide the necessary details, such as the policy number and track your claim status online.
- The complete name of Tata AIA Saral Pension is Tata AIA Life Insurance Saral Pension (UIN: 110N159V07) - A Single Premium, Non-Linked, Non-Participating, Individual, Immediate Annuity Plan
- 1Guaranteed is applicable only if all due premiums are paid and the policy is inforce.
- 25 year computed NAV for Multi Cap Fund as of June’2023. Other funds are also available.
- 3Liquidity through partial withdrawal from ULIP funds after completion of 5 years
- 4All funds open for new business which have completed 5 years since inception are rated 4 or 5 stars by Morningstar on a 5 year basis as of Mar’2023
- 5Get security on investment by having premium in the form of Regular Income or Lumpsum benefit through Tata AIA Life Insurance Smart Income Plus (UIN:110N126V05)
- 6©2020 Morningstar. All rights reserved. The Morningstar name is a registered trademark of Morningstar, Inc. in India and other jurisdictions. The information contained here: (1) includes the proprietary information of Morningstar, Inc. and its affiliates, including, without limitation, Morningstar India Private Limited (“Morningstar); (2) may not be copied, redistributed or used by any means, in whole or in part, without the prior, written consent of Morningstar; (3) is not warranted to be complete, accurate or timely; and (4) may be drawn from the data published on various dates and procured from various sources and (5) shall not be construed as a n offer to buy or sell any security or other investment vehicle. Neither Morningstar, Inc. nor any of its affiliates (including, without limitation, Morningstar) nor any of their officers, directors, employees, associates or agents shall be responsible or liable for any traducing decisions, damages or other losses resulting directly or indirectly from the information
- 7Market-linked returns are subject to market risks and terms & conditions of the product. The assumed rate of returns or illustrated amount may not be guaranteed and depends on market fluctuations.
- 8Subject to a maximum term of 40 years
- 9Tata AIA Vitality - A Wellness Program that offers you an upfront discount at policy inception. You can also earn premium discount / cover booster (as applicable) for subsequent years on policy anniversary basis your Vitality Status (tracked on Vitality app) Please refer rider brochures for additional details on health and wellness benefits.
- Vitality is a trademark licensed to Tata AIA Life by Amplify Health Assets PTE. Limited, a joint venture between Vitality Group International, INC. and AIA Company Limited. The assessment under the wellness program shall not be considered as a medical advice or a substitute to a consultation/treatment by a professional medical practitioner.
- 10On enrolling into the wellness Program, you get an upfront discount of 5% on first year premium for Accidental Death, Accidental Total & Permanent Disability, Accidental Disability Care Benefits and of 10% on first year premiums of the other benefit options. The rewards are offered on cumulative basis and in any year, the maximum rewards in view of both the upfront rewards and annual rewards _ex together shall be 15% for Accidental Disability Care and 30% for all other benefit options. Discount is driven by accumulated points which is achieved through wellness status. Please refer policy document for more details.
- 11Rider is not mandatory and is available for a nominal extra cost. For more details on benefits, premiums, and exclusions under the Rider, please contact Tata AIA Life's Insurance Advisor/branch.
- 12The word Guaranteed, and Guarantee means the annuity payout is fixed at inception of the policy and will be payable for whole of life or till death of the Annuitant(s).
- 13Illustrated annuity rate (IRR) is for joint life where one of the annuitants is 60 years of age while the other is 69 or above for plan type - Joint Life Last Survivor Annuity with Return of 100% of Purchase Price (ROP) on death of the last survivor. IRR is a discount rate that makes the net present value (NPV) of all cash flows equal to zero in a discounted cash flow analysis.
- 14Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. Income Tax laws are subject to change from time to time. Tata AIA Life Insurance Company Ltd. does not assume responsibility on tax implication mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefits available to you.
- 15Individual Death Claim Settlement Ratio is 99.01% for FY 2022 - 23 as per the latest annual audited figures.
- 1672,34,092 families protected till 31st March 2023.
- 17Retail Sum Assured for FY23 is Rs 4,43,479 Crores.
- 18As on 31st August 2023, the company has a total Assets Under Management (AUM) of Rs. 81,601.11 Crores
- Insurance cover is available under this product. This product is underwritten by Tata AIA Life Insurance Company Limited. The plan is not a guaranteed issuance plan, and it will be subject to Company’s underwriting and acceptance. This product will be offered to Standard lives only.
- For ULIP products
- IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. THE LINKED INSURANCE PRODUCT DO NOT OFFER ANY LIQUIDITY DURING THE FIRST FIVE YEARS OF THE CONTRACT. THE POLICY HOLDER WILL NOT BE ABLE TO SURRENDER/WITHDRAW THE MONIES INVESTED IN LINKED INSURANCE PRODUCTS COMPLETELY OR PARTIALLY TILL THE END OF THE FIFTH YEAR.
- Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. Please know the associated risks and the applicable charges, from your Insurance Agent or Intermediary or Policy Document issued by the Insurance Company.
- The fund is managed by Tata AIA Life Insurance Company Ltd. For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale. The precise terms and condition of this plan are specified in the Policy Contract.
- Past performance is not indicative of future performance. Returns are calculated on an absolute basis for a period of less than (or equal to) a year, with reinvestment of dividends (if any).
- Investments are subject to market risks. The Company does not guarantee any assured returns. The investment income and price may go down as well as up depending on several factors influencing the market.
- Please make your own independent decision after consulting your financial or other professional advisor.
- Tata AIA Life Insurance Company Limited is only the name of the Insurance Company, Tata AIA Life Insurance Fortune Pro, Tata AIA I Systematic Insurance Plan, Tata AIA Life Insurance Smart Sampoorna Raksha are only the names of the Unit Linked Life Insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns. Various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. The underlying Fund's NAV will be affected by interest rates and the performance of the underlying stocks.
- The performance of the managed portfolios and funds is not guaranteed, and the value may increase or decrease in accordance with the future experience of the managed portfolios and funds.
- Premium paid in the Unit Linked Life Insurance Policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the Insured is responsible for his/her decisions.
- Please know the associated risks and the applicable charges, from your insurance agent or the Intermediary or policy document issued by the Insurance Company.
- L&C/Advt/2023/Oct/3644
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