Life Needs Solutions Riders Tata AIA Life Insurance Waiver of Premium Plus (Linked) Rider
UIN: 110A025V01

Tata AIA Life Insurance Waiver of Premium Plus (Linked) Rider

Product Overview

Tata AIA Life Insurance Waiver of Premium Plus (Linked) Rider

(This rider is designed for the Proposer of the base plan who is different from the Life Assured)

A disability can cause serious financial strain on a family. Given all the new unexpected expenses, paying life insurance premiums might become a struggle. At times, the inability to pay life insurance premiums each month would result in cancellation of your coverage.

Presenting, Tata AIA Life Insurance Waiver of Premium Plus (Linked) Rider which ensures your insurance benefits continue, if the proposer is unable to pay the premiums in the event of any unforeseen incident.

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This is an optional linked unit deducting rider with rider coverage term equal to the premium paying term (PPT) of the base plan.

- If the Proposer (who is different from the life assured) - is unable to pay premiums due to the following:

  • Proposer becomes Totally and Permanently Disabled due to accident or sickness
  • Death of the Proposer

Then we will waive all the future premiums of the basic plan and deduction of Waiver of Premium Plus (Linked) Rider charges will cease throughout the rest of the premium paying term of the basic plan or till the proposer attains age of 65, whichever is earlier.

This rider is designed for the Proposer of the base plan. In the base product, Life Assured may be minor/non-earning major children/spouse when proposer may be parent/spouse. In this case, the Life insured can be child/ adult i.e. anyone on whom the Insurable Interest is possible.

This rider can be attached to individual linked products of the company.

Waiver of Premium Plus (linked) rider is available with Tata AIA Life Insurance Fortune Pro, Tata AIA Life Insurance Wealth Pro, Tata AIA Life Insurance Wealth Maxima & Tata AIA Life Insurance Fortune Maxima.

Premiums paid under this rider are eligible for tax benefits under Section 80D. For a detailed list of exclusions/conditions, please refer our rider brochure.

Premium Calulator

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  • This rider is underwritten by Tata AIA Life Insurance Company Ltd. This rider is not a guaranteed Issuance rider and it will be subject to Company‚Äôs underwriting and acceptance
  • Participation by customers shall be on voluntary basis
  • "Service Tax, Swachh Bharat Cess & TDS "are applicable as per governing laws. Tata AIA Life Insurance company Limited reserves the right to recover/deduct from the policyholder, any levies and duties (including Service Tax and Swachh Bharat Cess & TDS),as imposed by the government from time to time.


IRDA of India clarifies to public that

  • IRDA of India or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums.
  • IRDA of India does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.


Survival payouts of upto 130% of Sum assured1 at regular intervals throughout the term

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