Facts about TATA AIA Funds

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

Tata AIA Smart SIP - Non-Participating, Unit Linked Individual Life Insurance Savings Plan (UIN:110L174V02)

Disclaimer Section

1. 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.
2. Investments are subject to market risks
3. 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 the Intermediary or policy document issued by the insurance company.
4. ¹For Female lives, 0.50% of the Annualised Premium or 0.25% of Single Premium shall be added to the Fund Value at the time of allocation of first year's or Single premium respectively.
5. ²These additions are applicable in two ways, as Maturity Booster and Loyalty additions in the form of units to the fund value. At maturity, the policyholder receives and Maturity Booster. In Loyalty additions, the policyholder receives Loyalty additions every year starting from the end of 6th policy year. The above-mentioned benefits shall be applicable based on the plan option chosen at inception which cannot be changed later. These Fund additions are only applicable for the policies sourced through digital mode. For more information, please refer to the Sales brochure.
6. ³The customer has an option to choose from Systematic Withdrawal Plan,Chosen-Rate Withdrawal Plan and Index Based Withdrawal Plan at the policy inception or 30 days prior to the policy anniversary. For more information, please refer to the sales brochure.
7. ⁴Income 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.
8. ⁵Waiver of premium plus (linked) rider is not applicable for Child Secure and Family Secure option.
9. ⁶Charges, deducted as ROMC under Wealth Secure option (only) are returned at the end of policy term. Where ROMC is the total amount of Mortality charges deducted in respect of life cover provided. For more information, please refer to thesales brochure.
10. ^*Tata 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.
11. 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.
12. ^*On 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 together shall be 15% for Accidental Death, Accidental Total & Permanent Disability,Accidental Disability Care Benefits 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.
13. 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 CompanyLimited.
14. 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.
15. Linked Insurance Products 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.
16. Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA Life Insurance Smart SIP is only the name of the Unit Linked Life Insurance contract and does not in any way indicate the quality of the contract,its future prospects or returns.
17. The fund is managed by Tata AIA Life Insurance Company Ltd.
    
18. 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.
19. 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).
20. 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.
21. Please make your own independent decision after consulting your financial or other professional advisor
22. 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.
23. 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.
24. 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.
25. 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.
26. Please know the associated risks and the applicable charges, from your insurance agent or the Intermediary or policy document issued by the Insurance Company.
27. Insurance cover is available under the product.
28. The products are underwritten by Tata AIA Life Insurance Company Ltd.
29. The plans are not a guaranteed issuance plan, and it will be subject to Company's underwriting and acceptance.
30. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
31. The fund is managed by Tata AIA Life Insurance Company Ltd. (hereinafter the"Company").
32. 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).
33. 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.
34. All Premiums, Charges, and interest payable under the policy are exclusive of applicable taxes, duties, surcharge, cesses or levies which will be entirely borne/paid by the Policyholder, in addition to the payment of such Premium, charges or interest. Tata AIA Life shall have the right to claim, deduct, adjust and recover the amount of any applicable tax or imposition, levied by any statutory or administrative body, from the benefits payable under the Policy.The recommendation of 'Most preferred package' quotes have been shown basis customer preferences and products availability. You may opt for coverage suitable to your needs.
35. ^**Individual Death Claim Settlement Ratio is 99.41% for FY 2024-25 as per the latest annual audited figures.
36. The risk factors of the bonuses projected under the product are not guaranteed.
37. Past performance doesn't construe any indication of future bonuses.
38. These products are subject to the overall performance of the insurer in terms of investments, management of expenses, mortality and lapses.
39. ^&&No Goods and Service Tax shall be applicable on Individual life insurance products as per prevailing laws. Tax laws are subject to amendments from time to time. If any imposition (tax or otherwise) is levied by any statutory or administrative body under the Policy, Tata AIA Life Insurance Company Limited reserves the right to claim the same from the Policyholder.
40. Benchmark Fund: NSE 500 Index | Data as of 28^th Nov 2025 | Source: NSE India
41. Tata AIA Multicap Opportunities Fund is part of a various funds which a policyholder can choose from. For further details on funds refer the sales brochure. Tata AIA Multicap Opportunities Fund (SFIN:  ULIF 095 31/12/25 MUF 110). Asset Allocation: Equity & Equity related instruments: 60%-100% , Cash / Money Market Instruments, Bank Deposits and Mutual Funds: 0%-40%.
42. ⁷Illustration shows monthly premium of ₹8,848 for Tata AIA Param Raksha Life Pro + for a 30-year-old male, standard life, premium payment term: 10 years, policy term: 30 years with a ₹1 Cr life cover and 100% investment in Tata AIA Multi Cap Fund. 4% and 8% are assumed rates of returns. 19.87% is the 5-year return of Nifty 500 Index as of October'25. Total maturity amount at 4% returns: 13,05,258, 8% returns: ₹31,76,435 and 19.87% returns: 4,57,45,306. The fund value calculation is done by projecting the past returns of Nifty 500 Index after adjusting for all expenses in Tata AIA Param Raksha Life Pro +. The above values have been calculated assuming 19.87% p.a. gross investment returns, which is the past 5-year return of Nifty 500 Index as of October'25.
43. ⁸Tax benefits of up to ₹46,800 u/s 80C is calculated at highest tax slab rate of 31.20% (including cess excluding surcharge) on life insurance premium paid of ₹1,50,000 as per old tax regime. Tax benefits under the policy are subject to conditions laid under Section 80C, 80D,10(10D), 115BAC and other applicable provisions of the Income Tax Act,1961. The Tax-Free income is subject to conditions specified under section 10(10D) and other applicable provisions of the Income Tax Act,1961.Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on above.

(Prohibition of Rebates) Section 41 - of the Insurance Act, 1938 as amended from time to time: 1. No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurer. 2. Any person making default in complying with the provisions of this section shall be liable for a penalty which may extend to ten lakh rupees."

SECTION 45 OF THE INSURANCE ACT, 1938 STATES: No policy of life insurance shall be called in question on any ground whatsoever after the expiry of three years from the date of policy, i.e. from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later. A policy of life insurance may be called in question at any time within three years from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later, on the ground of fraud: Provided that the insurer shall have to communicate in writing to the insured or the legal representatives or nominees or assignees of the insured the grounds and materials on which such decision is based. Nothing in this section shall prevent the insurer from calling for proof of age at any time if he is entitled to do so, and no policy shall be deemed to be called in question merely because the terms of the policy adjusted on subsequent proof that the age of the life insured was incorrectly stated in the proposal. For further details, please refer to the Insurance Act, as amended from time to time.

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS - IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

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. Tata AIA Life Insurance Company Limited (IRDAI Regn. No.110 • CIN: U66010MH2000PLC128403). Registered & Corporate Office: 14th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg, Lower Parel, Mumbai - 400013. Trade logo displayed above belongs to Tata Sons Ltd and AIA Group Ltd. and is used by Tata AIA Life Insurance Company Ltd under a license. For any information including cancellation, claims and complaints, please contact our Insurance Advisor / Intermediary or visit Tata AIA Life’s nearest branch office or call 1-860-266-9966 (local charges apply) or write to us at customercare@tataaia.com. Visit us at: www.tataaia.com


As per latest regulatory guidelines your policy document will be credited to eIA on issuance. The account will be created with NSDL.

L&C/Advt/2025/Oct/3861