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    Tata AIA Life Insurance Savings Plans


    A savings plan is a life insurance solution that allows you to save and accumulate funds for the future. They provide a systematic way to save for and achieve your financial goals while providing an added layer of financial security. Read on to learn how Tata AIA savings plans can help you fulfil all your financial goals while securing your family's future so that finances do not hamper your dreams in any way!

    Tata AIA Savings Plans

    What is a
    Savings Plan?

    A savings plan is a type of insurance product that helps you save your money over the years and create an assured financial corpus. These funds can be used to fulfil your needs, future goals and to meet your financial commitments. 

    It offers two-fold benefits – generating wealth and life insurance coverage. The best saving schemes also offer death benefits. Moreover, depending on the type of savings plan you choose, it can act as your secondary source of income, thus letting you plan for the long term.

    Looking to buy a new insurance plan? 

    Our experts are happy to help you!

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    Popular Tata AIA Savings Plans 

    Types of Savings Plans
     

    • 01

      Unit Linked Insurance Plans (ULIPs)

      ULIPs offer the combined benefit of wealth accumulation and life insurance coverage. Under this plan, a part of your premium goes toward the upkeep of your life cover while the remainder is invested into a market-linked18 fund of your choice (e.g., equity, debt, etc.).

      ULIPs come with a minimum lock-in period of 5 years and are the best saving scheme for those who want to dip their toes into market-linked investments and for investors with a higher risk tolerance. Tata AIA offers several ULIP plans for you to choose from.
    • 02

      Money-Back Plans

      Money-back plans enable you to invest in a savings plan where you get a part of the sum assured at regular intervals during the policy tenure instead of getting a lump sum amount at the end of the term. 

      These plans offer high liquidity and are the best saving schemes for those who need to meet immediate or fixed goals like buying a car or making loan payments. Moreover, you get a lump sum payout of the balance sum assured upon surviving the policy tenure.
    • 03

      Guaranteed Return Plans

      Guaranteed return insurance plans are non-linked plans that offer guaranteed returns in the form of monthly or annual returns over a specific period. These are the best savings schemes for those looking for low-risk financial instruments. Tata AIA Life Guaranteed Return Insurance Plan - (UIN: 110N152V12) - Individual, Non-Linked, Non-Participating, Life Insurance Savings Plan offers multiple plan options such as lump sum (endowment), regular income and whole-life income. This plan also offers maturity/death benefits and allows you to cover your spouse as well under the whole life option.
    • 04

      Regular Income Plans

      This is an umbrella term used to encompass savings plans that offer a steady source of funds over a specific period of time. These can be savings plans like money-back plans, annuity plans or post office monthly income schemes.  Tata AIA offers a vast selection of regular income plans that allow you to choose the frequency of the payouts while safeguarding your family's future with a life cover.

    Key Features of the Best Savings Schemes

    • Guaranteed Maturity Benefits for Financial Security

      Maturity Benefit

      Savings plans offer assured maturity benefits. These can further help financially secure your loved one and offer a way to finance your family's future needs.

    • Life Cover Savings Plan

      Life Cover

      A life insurance cover is a key feature of a savings plan. This part of the savings plan keeps you and your family secure so that your savings need not be compromised.

    • Consistent Returns with Low Risk Savings Plans

      Steady Returns

      Savings plans are preferred for their stable and sustained returns. Most of them are also relatively low risk, so you need not worry about losing any money.

    • Customizable Premium Payments for Savings Plans

      Flexible Premium Payment Options

      With a savings plan, you can opt to pay your premiums monthly, quarterly, half-yearly, annually, or as a single premium payment plan, as per your preference.

    • Accessible Savings Plans: Easy Entry Options

      Low Barrier to Entry

      Depending on the plan of your choice and the eligibility criteria, you can start a savings plan at any stage of your life to align with your financial goals and requirements.

    • Savings Plans: Flexible Policy Terms Selection

      Choose Your Policy Tenure

      Savings plans come with flexible policy terms so that you can plan your financial goals accordingly and fulfil them through the benefits offered under the plan.


    Eligibility Criteria for Buying Saving Plans

     

    This will vary with the savings plan you choose. For example, some savings plans will have a minimum entry age of 0 years while others will have it be 18 years. Tata AIA's Guaranteed Return Insurance Plan has different minimum entry ages depending on the plan option you choose (e.g., 45 years for the whole life income option). We recommend checking the policy brochure of your chosen plan to ensure your eligibility before purchase.


    Why Purchase Savings Plans Online?

    • Tata AIA Savings Plans: Self-Directed Purchase

      Independent Purchase

      When buying Tata AIA's savings plan online, you can carry out your research, refer to our plan brochures, compare different plans and make an informed decision.

    • Simplified Online Purchase: Tata AIA Savings Plans

      Hassle-free experience

      Our website offers online facilities that help streamline your buying process, ensuring that you get your Tata AIA savings plan with just a few clicks.

    • Eco-Friendly: Paperless Insurance Processes

      Go Paperless and Green

      We ensure minimal paperwork during the purchase and claims process. Moreover, any paperwork to be submitted can be done in the form of soft copies that can be uploaded onto our website, thereby keeping the environment clean.

    • Get Discounts on Tata AIA Savings Plans Online!

      Online Discounts

      Buying savings plans online from Tata AIA can make you eligible for premium discount. We also offer special discounts for women under some of our plans. There is a 2% upfront discount on first year premium for women customers on purchasing the Tata AIA Fortune Guarantee Supreme.

    Why Choose Tata AIA for Savings Plans?

    • Choice of savings plans

      We offer a wide range of savings plans that are designed to meet your savings goals and also fulfil your life insurance needs so that your family can always be protected under a life cover.

    • Customizable Premium Payments for Savings Plans

      Flexible Premium Payment Term and Policy Term

      Our savings insurance plans come with flexible premium payment terms and policy terms so that you can choose plan options that suit your financial goals.

    • Comprehensive Protection

      Not only do our savings plans help you with your savings goals and life insurance protection, but you can also add optional riders17 to enhance coverage and claim comprehensive protection.

    • Seamless claim settlement

      With an Individual death claim settlement ratio of 99.01% for FY 2022-2316, we aim to settle your claims on time so that you and your family need not have to face any financial constraints.

    Benefits of Having a Savings Plan

    Financial Protection

    Financial Protection with Tata AIA Savings Plans

    Financial Protection

    A savings plan can help you achieve your lifelong financial goals, like buying a house or saving for retirement. Depending on your chosen plan, you can opt for regular payment options or a lump sum on maturity. These funds can then be used to pay for immediate expenses or obligations, ensuring sustained financial protection.

    Multiple Tax Saving Options

    Maximize Tax Savings with Tata AIA Savings Plans

    Multiple Tax Saving Options

    Save more with tax benefits under a savings plan! You can claim tax2 benefits under Section 80C and Section 10(10D) of the Income Tax Act. This means you can claim annual deductions on your insurance premiums and an exemption on maturity benefits as per the applicable tax laws.

    Life Insurance Protection for Family

    Tata AIA Savings Plans

    Life Insurance Protection for Family

    A savings plan will protect your family against all odds in life with an adequate sum assured in your absence. In fact, most Tata AIA savings plans allow you to choose your sum assured amount on purchase, ensuring your family is offered a significant death benefit.

    Wealth Creation

    Wealth Creation Made Easy with Tata AIA Savings Plans

    Wealth Creation

    Savings plans offer a disciplined and systematic way to save for your future goals. These can be things like a retirement fund, higher education costs, buying a car or house, etc. With Tata AIA's savings plans, you can steadily save up for your goals by paying regular premiums throughout the policy tenure, ensuring you get substantial returns.

    Added Bonuses

    Added Bonuses with Tata AIA Savings Plan

    Added Bonuses

    As and when declared by the company, your savings plan will accumulate added bonuses (as applicable under the plan opted) every year, which will add to the corpus you will receive on maturity.

    Retirement Savings

    Retirement with Tata AIA's Income Plan

    Retirement Savings

    The best savings schemes are often ones that can also be used for retirement planning. For example, Tata AIA's monthly income plan can act as a form of income replacement during your retirement years so you and your family's post-retirement needs are covered.


    Who Should Opt for a Savings Plan?
     

    Everyone can benefit from investing in a savings plan. They are incredibly flexible as they are designed to suit the financial requirements of different policyholders at different life stages. Here are some prime examples of suitable savings plan candidates:
     

    • Start Early, Secure Your Future with Lower Premiums

      Young Individuals

      It is always best to start investing early. This way, you can create a large corpus to meet your life goals. Also, when you start early, you get the benefit of lower policy quotes since insurers charge younger individuals lower life insurance premiums.
      Start Early, Secure Your Future with Lower Premiums

      Young Individuals

      It is always best to start investing early. This way, you can create a large corpus to meet your life goals. Also, when you start early, you get the benefit of lower policy quotes since insurers charge younger individuals lower life insurance premiums.
    • Secure Your Future Together with A Joint Savings Plan

      Recently married couples

      Newlywed couples have a lot of financial responsibilities and obligations that a savings plan can help with. For example, savings plans can be used to save for children's higher education costs, retirement, big-ticket expenses like buying a house, etc.
      Secure Your Future Together with A Joint Savings Plan

      Recently married couples

      Newlywed couples have a lot of financial responsibilities and obligations that a savings plan can help with. For example, savings plans can be used to save for children's higher education costs, retirement, big-ticket expenses like buying a house, etc.
    • Child's Future with A Child Savings Plan

      Parents who are young and have children

      If you are a parent who needs to look out for their child's future, you can choose a saving plan for your child. A child saving plan will ensure that your child's dreams and aspirations receive enough support throughout their lives.
      Child's Future with A Child Savings Plan

      Parents who are young and have children

      If you are a parent who needs to look out for their child's future, you can choose a saving plan for your child. A child saving plan will ensure that your child's dreams and aspirations receive enough support throughout their lives.
    • Secure Your Entrepreneurial Future with A Savings Plan

      Young entrepreneurs

      New business owners can highly benefit from a savings plan. It can help them plan for their future goals, support their business, and offer them a safe, low-risk investment plan option. For example, funds from a savings plan can be used to expand the business or keep things afloat during hard times.

      Also Read: How Timely Savings Can Help You Achieve Your Goals
      Secure Your Entrepreneurial Future with A Savings Plan

      Young entrepreneurs

      New business owners can highly benefit from a savings plan. It can help them plan for their future goals, support their business, and offer them a safe, low-risk investment plan option. For example, funds from a savings plan can be used to expand the business or keep things afloat during hard times.

      Also Read: How Timely Savings Can Help You Achieve Your Goals

    Factors to Consider Before Investing in a Savings Plan
     

    • 01

      Goal setting

      Start your financial planning with a goal in mind. What do you intend to save for? Are you saving for your child's further education? Will the savings be used for a future business venture, or creating a retirement plan for your family and yourself?
    • 02

      Risk assessment

      Consider your risk appetite, as this factor will change with your age, income, life stage and goals. Ask yourself if you can take up a high-risk investment or would like to settle for a low-risk savings plan that will give you assured returns on maturity.
    • 03

      Flexibility

      Always select a plan that matches your goals. Savings plans are flexible, so if you need the funds after 10 years of savings, choose a policy that will provide returns around that time. Also, choose a plan that offers multiple payout options (e.g., monthly income, lump sum, etc.) to ensure you can meet your financial obligations on time.
    • 04

      Plan features

      There are different types of savings options, each designed to meet different needs. Always go for a plan whose features are aligned with your savings goals and your financial plans. Be mindful of choosing the premiums as well so that your savings don't come to a halt.


    How to Compare Different Savings Plans?

    To be able to get the best savings scheme that matches your goals, fulfils your financial needs, and also provides sufficient protection to your family, you should compare savings plans on the basis of the parameters below:

    • Tata AIA: Trusted Insurer with Excellent Claim Settlement Ratio

      Life Insurer's Reputation

      The life insurance provider's reputation and claim settlement ratio are of utmost importance. These will not only determine their ability to settle your claims effectively but also ensure guaranteed bonus additions when declared. Tata AIA Life Insurance has declared exemplary bonuses and dividends benefiting its customers.

    • Life Cover Matches Your Savings Goals

      Size of Life Cover

      While a savings plan is primarily meant for growing your savings, the life cover is equally crucial. Ensure that the life insurance coverage (sum assured) offered by your savings plan is enough to safeguard your family's needs in your absence.

    • Affordable Premiums Ensuring Continuous Coverage

      Premiums

      Your savings plan must be affordable while still offering you adequate life insurance coverage. This ensures you can still make payments and do not have to stop paying due to a shortage of funds, resulting in a policy lapse. You can use Tata AIA's savings calculator to ensure you are offered a competitive rate.

    Calculate Now

    Savings Plan Premium Calculator

    Calculate Now

    Use our online savings plan premium calculator to calculate your premiums and select the most suitable savings insurance plan for yourself today! 

    Why Choose Tata AIA Life Insurance?

     

    Get Guaranteed* Income

    For a worry-free future

    Express Claim Settlement

    Get your claims settled under 4 hours15

    Customizable Premium Payments for Savings Plans

    Save Tax up to Rs 46,8003  

    As per applicable Income Tax laws

    99.01%

    Individual Death Claim Settlement Ratio16 in FY 2022 - 23

    *T&C apply | 15T&C apply

    People Like You Also Read

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    Frequently Asked Questions

    Generic Tab Coverage Tab Premiums Tab Claim Tab

    What is the 50-30-20 savings rule?

    Your after-tax income must be divided into 3 parts: 50% for your base needs, 30% for your wants and 20% for your savings. This can reduce your chances of unintentionally withdrawing from your savings. Opting for financial tools like savings plans can further lessen his chance as they offer a more disciplined approach to savings and financial planning in general.

    What is the golden rule for saving money?

    Always pay yourself first by regularly putting money into your savings. This can be a savings account or a savings plan. Next, only spend money earned from the investment interests. A common rule of thumb is to save 20% of your income to help secure your future.

    What is the savings plan formula?

    This usually refers to the 50-30-20 rule, where 20% of your monthly income multiplied by 12 is how much money you can expect to save in a given year.

    Why do you need a savings plan?

    A savings plan can help you protect your family against future uncertainties with life cover and also help you build your wealth over the long term in a systematic and disciplined manner.

    How to buy a savings plan online?

    To buy a savings plan online, you can go to the Tata AIA Life Insurance website and visit the Buy Online section to choose from our savings plans available online.

    What is a grace period in a savings plan?

    Our savings plans have a grace period of 15 days for the monthly premium payment mode, while the other modes have a grace period of 30 days from the due date of the succeeding premium payments.

    What are the riders available with savings plans?

    We at Tata AIA offer several riders17 for our savings plans on our website. You can look into the specific riders offered under each savings plan by checking their policy brochures. These riders help to enhance the base coverage of your savings plan for an additional premium payment.

    How do I choose the coverage of a savings plan?

    You can start by considering the future needs of your family, like future financial commitments and all your financial goals/obligations, as well as any emergency needs, such as medical expenses. Adding all these expenses should give you a ballpark estimate of how much coverage you should opt for. For a more accurate number, you can use our savings calculator.

    What premium payment modes can I choose under Tata AIA savings plans?

    Under our savings plan, you can pay your premiums on a monthly/quarterly/half-yearly/annual basis. You can also opt for a single premium payment under your Tata AIA savings plan.

    What are the minimum and maximum premiums I can pay for these plans?

    The minimum and maximum premium payment for a savings plan will depend on the plan, and the sum assured you select. Remember that the premiums will be divided into two portions, of which one part will provide life cover to your family whilst the other will be part of the savings.

    Do savings plans also offer a return of premium benefit?

    Yes, some savings plans offer a return of premium benefit at the end of the income period. With Tata AIA Fortune Guarantee Plus - (UIN: 110N158V11) - Non-Linked, Non-Participating, Individual Life Insurance Savings Plan, you will receive your premiums13 back.

    What are the payout options in savings plans?

    You can choose savings plans that give payouts on a monthly or annual basis and as a regular income, monthly income, or as a lump sum.

    When can I claim my savings plan's benefits?

    Savings plans are divided into two parts – savings and life insurance. Therefore, there are two main claims you can file. The first would be a death benefit, which your family can file in case of your untimely demise during the policy tenure. The second would be a maturity benefit, which is the savings corpus that you claim if you outlive the savings plan term. 
     

    Some savings plans also offer a loan facility, which can be claimed in case of emergencies if you have held the policy for a specific number of years.

    How do I file an online claim on my savings plan?

    You can file a claim on your savings plan by getting in touch with us in the following ways:

    • Email us at: customercare@tataaia.com

    • Call our helpline number – 1860-266-9966 (local charges apply)

    • Walk into any of the Tata AIA Life Insurance Company branch offices

    • Write directly to us at:

      The Claims Department,

      Tata AIA Life Insurance Company Limited

      B- Wing, 9th Floor,

      I-Think Techno Campus,

      Behind TCS, Pokhran Road No.2,

      Close to Eastern Express Highway,

      Thane (West) 400 607.

      IRDA Regn. No. 110

    What are the documents needed to file a claim?

    The main documents you need when filing a claim would be the filled and signed claims form and a copy of your policy certificate. Other documents you may need will depend on the nature of your claim. For example, a death benefit claim will require the policyholder's death certificate. 
     

    Please click here to know the list of documents needed for the claim intimation and settlement process.

    How can a savings plan claim be processed if the nominee is not in India?

    If the nominee is outside India and wants to file a claim, they can upload the attested copies of their documents online or send them to us by email. To file the claim offline, the nominee can send the documents to their representative in India, who can come to any of our offices and file the claim.

    Disclaimer
    • The complete name of Tata AIA Guaranteed Return Insurance Plan is Tata AIA Life Guaranteed Return Insurance Plan (UIN: 110N152V12)- Individual, Non-Linked, Non-Participating, Life Insurance Savings Plan)
    • The complete name of Tata AIA Smart Income Plus is Tata AIA Life Insurance Smart Income Plus (UIN:110N126V05) - A Non-Linked, Non-Participating, Individual Life Insurance Savings Plan
    • The complete name of Tata AIA Fortune Guarantee is Tata AIA Life Insurance Fortune Guarantee (UIN: UIN: 110N120V10) - Non-Linked, Non-Participating, Individual Life Insurance Savings Plan
    • Tata AIA Fortune Guarantee Supreme - Individual, Non-Linked, Non-participating, Life Insurance Savings Plan (UIN110N163V05)
    • The complete name of Tata AIA Fortune Guarantee Plus is Tata AIA Life Insurance Fortune Guarantee Plus (UIN: 110N158V11) - Non-Linked, Non-Participating, Individual Life Insurance Savings Plan.
    • *Guaranteed Annual Income (GAI) in the Regular Income option is a percentage of one Annualised Premium while in the Whole Life Income option is a percentage of the Total Premiums Paid
    • 1Illustrated premium is calculated for a 21-year-old healthy male with a premium paying term of 10 years, policy term of 15 years and premium payment with monthly instalment under Endowment plan option. The premium shown is inclusive of taxes and the mentioned benefit is payable only if all premiums are paid as per the premium paying term and the policy is in force till the completion of entire policy term opted.
    • 2Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfilment 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 implications mentioned anywhere on this site. Please consult your own tax consultant to know the tax benefits available to you.
    • 3Tax 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. 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. Good and Service tax and Cess, if any will be charged extra as per prevailing rates. 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.
    • 4Illustrated Internal rate of return (IRR)is for Rs. 5 lakh annual premium for Male/Female, age up to 50 years, standard life. Premium & IRR is excluding taxes for premium paying term of 12 years for policy term of 30 years . Internal Rate of Return will change subject to change in the combination of entry age, Plan Option, Policy Term, Premium Paying Term, Premium Paying Frequency. 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.
    • 5Guaranteed Addition (Endowment option) defined as a percentage of GMB shall accrue at a simple rate for each completed policy year, throughout the Policy Term and shall be payable on Maturity or Death whichever is earlier, subject to all due premiums being paid. GA shall accrue @ 5% of GMB
    • 6Guaranteed Payout (GP) is a fixed percentage of the Annualized Premium and shall be payable annually from income start year in case of Regular income option and at the end of policy year preceding the year of Maturity in case of Endowment option. Guaranteed Maturity Pay-out (GMP) is a percentage of the Annualised Premium and shall be payable at maturity.
    • 7Guaranteed Benefit is a % of Total premiums paid based on the policy term, premium paying term, gender, annualised/Single premium band & entry age
    • 8Guaranteed returns in this plan depends on Age at Entry of life assured, Premium payment term, policy term, premium amount and plan option chosen.
    • 9This feature must be chosen at inception only. The last instalment due on end of Policy Term shall be paid on the date of Maturity only, and not on Special Date.
    • 10The current loyalty addition rate on the Sub-wallet will be 4.05% compounding annually. This rate will be reviewed every six months (on 1st April & 1st October every year).
    • 11Illustrated Income Rates (Internal rate of return – IRR) is for Rs. 5 lakh annual premium for Male/Female, age up to 50 years, standard life. Premium & IRR is excluding taxes for premium paying term of 10 years for policy term of 14 years and income term of 30 years. Internal Rate of Return will change subject to change in the combination of entry age, gender, Plan Option, Policy Term, Premium Paying Term, Premium Paying Frequency, Income Benefit Pay-out Frequency, Lump Sum benefit. 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.
    • 12“Guaranteed Annual Income” shall be a fixed percentage of the Annualised Premium / Single Premium (excluding discount) payable in a year. Guaranteed Annual Income as per the chosen Income Frequency shall commence after maturity till the end of the Income Period, irrespective of survival of the life insured(s) during the Income Period.
    • 13Return of Premium shall be the return of Total Premiums Paid (excluding loading for modal premiums, discount, any extra premium, rider premium and taxes) by the policyholder and shall be payable at the end of the Income Period irrespective of survival of the life insured(s) during the Income Period.
    • 14Available under Regular Income with an Inbuilt Critical Illness Benefit option
    • 15Applicable to only non-early claims with more than 3 years of policy duration, non-investigation cases, up to Sum Assured of Rs. 50 lakhs. Applicable for branch walk in. Time limit to submit claim to Tata AIA Life Insurance is 2 pm on working days. Subject to submission of complete documents. Not applicable for ULIP policies and open title claims.
    • 16Individual Death Claim Settlement Ratio is 99.01% for FY 2022 - 23 as per the latest annual audited figures.
    • 17Riders are not mandatory and are 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/Intermediary/ branch.
    • 18Market-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.
    • This product is underwritten by Tata AIA Life Insurance Company Ltd. The plan is not a guaranteed issuance plan, and it will be subject to company’s underwriting and acceptance
    • 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. The precise terms and conditions of this plan are specified in the Policy Contract.
    • Risk cover commences along with policy commencement for all lives, including minor lives.
    • 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 the all the Premiums Paid.
    • In case of non-standard lives and on submission of non-standard age proof, extra premiums will be charged as per our underwriting guidelines.
    • For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
    • All Premiums and interest payable under the policy are exclusive of the taxes, rider premiums, underwriting extra premiums, loading for modal premiums, if any which will be entirely borne/ paid by the Policyholder, in addition to the payment of such Premium 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.
    • L&C/Advt/2023/Dec/4349

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