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At Tata AIA, we are committed to securing the financial future of your loved ones. With increased Bonus Rates, we bring you one step closer to achieving your goals and making your family’s dreams come true. Our bonus structure, linked with your life insurance policy, ensures that your policy grows over time.
Tata AIA Life Insurance offers bonuses for participating life insurance policies as a way to reward our policyholders for their long-term commitment with us. The bonuses are typically offered, with select savings plans, which has a share in the company’s profit. These bonuses can significantly enhance your policy’s value over time.
The Bonus amount is generally declared annually, and the bonus amount will be based on the performance of the participating fund. It’s an additional benefit over and above the sum assured and helps you achieve your financial goals such as fulfilling your life goals or saving for retirement.
Individual, non-linked, participating, Life Insurance Savings Plan (UIN: 110N207V02)
Tata AIA
Individual, Non-Linked, Participating Life Insurance Savings Plan (110N162V03)
Tata AIA
Non-Linked, Participating Individual Life Insurance Savings Plan (UIN: 110N133V05) | 9T&C apply
The Bonus rates are calculated based on several key factors, including:
The main factor that influences the bonus amount is the performance of the fund, which is invested in various instruments in the market to generate returns.
The broader economic environment, including stock market performance and interest rates, plays a key role in determining the bonus rates.
Different policies may have different bonus rates, depending on how the funds are managed.
The number and type of claims made during the year may also influence the bonus rates.
By ensuring strong returns and managing claims effectively, Tata AIA strives to provide consistent and competitive bonus rates to policyholders.
The different types of Bonus offered by Tata AIA include:
Reversionary Bonus
A Reversionary Bonus is a bonus that is announced by the life insurance company and added to the policyholder's life insurance policy sum assured every year. The bonus is non-guaranteed and depends on the performance of the life insurance company's funds.
Simple Reversionary Bonus: A fixed bonus amount is added annually to the policy sum assured, without compounding. The bonus amount is paid when the policy matures or when the life insured passes away.
Compound Reversionary Bonus: The bonus amount is added to the policy sum assured every year, similar to the simple reversionary bonus, but it has the additional benefit of compounding to grow your corpus.
Cash Bonus
A Cash Bonus is a yearly payout that is directly paid to the policyholder in cash value. This is different from the reversionary bonus because it provides immediate financial benefits to the policyholder. It is typically paid out when the life insurance company declares profit and is not added to the policy’s sum assured.
Terminal Bonus
A Terminal Bonus is a one-time lump sum bonus paid at the time of policy maturity or in the event of the policyholder’s death. It is often higher than the reversionary bonus and is designed to reward policyholders who have maintained their policies for the long term.
Individual Death Claim Settlement Ratio2
Express Claim Settlement10
Families protected so far11
Presence across major cities in India
10T&C apply
Speak to our Financial Advisor
What is a Dividend?
The dividend is the share of the profits of the company that is paid out to the policyholders. Whereas bonuses are tied to the fund performance, dividends are generally announced on participating policies as a proportion of the insurer's total profits.
How do I receive my Tata AIA Bonus?
As per policy contract, the bonus amount may be credited directly to your policy or paid out as a lump sum. Ensure your contact details are updated to receive notifications about your bonus payout. You may visit the MyDigiAccount page to check your bonus rates.
Are Tata AIA bonuses guaranteed?
While bonuses are typically declared every year, they are not guaranteed. They are based on the company’s financial performance and market conditions.
How can I increase my chances of receiving a higher bonus amount?
To maximize your bonus amount, it is essential to staying invested in your policy over the long term. Additionally, choosing the right policy that aligns with your financial goals and reviewing your coverage periodically can help increase your chances.
What are the different types of Bonus in life insurance plans?
The different types of bonus include:
Reversionary Bonus
Interim Bonus
Terminal Bonus
Cash Bonus
The complete name of Tata AIA Smart Value Income Plan is Tata AIA Life Insurance AIA Smart Value Income Plan (UIN: 110N162V03) - Individual, Non-Linked, Participating Life Insurance Savings Plan
“Bonuses which are in the form of Compound Reversionary Bonus (CRB), Simple Reversionary Bonus (SRB), and Terminal Bonuses are not guaranteed and may be as declared by the company from time to time, based on company’s future investment performance. Past performance is not indicative of future performance. For more information, please refer to the benefit illustration and Terms and Conditions of the policy.”
1Total expected amount of declared bonus is 1,842 crores. Reversionary bonus will be declared for the period 1st June 2025 to 31st May 2026 and will be payable on exit of policy.
2Individual Death Claim Settlement Ratio is 99.13% for FY 2023-24 as per the latest annual audited figures.
3Cash bonuses (if declared) may be opted to be paid out at the end of the chosen pay-out frequency or as premiums offset. Alternatively, the cash bonus (if declared) can be chosen to be accumulated and paid out on maturity, death or surrender. Cash bonuses are applicable for Early income and Deferred income option. Please refer Brochure for additional details
4Only available with cash bonus option. The current loyalty addition rate on the Sub-wallet will be 6.00% compounding monthly. The loyalty addition rate shall be at which RBI absorbs liquidity which currently is the Standing Deposit Facility (SDF) rate. The current Standing Deposit Facility rate is 6.00% p.a. and the same shall be reviewed bi-monthly. The Company may in future change the reference rate from Standing Deposit Facility rate to some other index.
5Only available with cash bonus option.
6Tax 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. 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.
7Income 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.
8Compound Reversionary Bonus and Terminal Bonus will be based on Company’s performance and are not guaranteed.
9A Guaranteed Income of Assured Benefit shall be paid annually commencing from the end of next policy year after premium payment term till maturity of the Policy or till death of the Life Insured, whichever is earlier.
10Applicable to only non-early claims more than 3 years of policy duration, non-investigation cases, up to Sum assured of 50 lacs. Applicable for branch walk in. Time limit to submit claim to Tata AIA by 2 pm (working days). Subject to submission of complete documents. Not applicable to ULIP policies and open title claims.
1185,76,889 families protected till 31st December 2024.
This product is underwritten by Tata AIA Life Insurance Company Ltd. Insurance cover is available under this product. This plan is not a guaranteed issuance plan, and it will be subject to Company’s underwriting and acceptance.
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. All Premiums 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 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 risk factors of the bonuses projected under the product are not guaranteed.
Past performance doesn't construe any indication of future bonuses, and
These products are subject to the overall performance of the insurer in terms of investments, management of expenses, mortality and lapses.
For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
L&C/Advt/2025/May/2198
FOR EXISTING POLICY 
FOR NEW POLICY 
