Returns Calculator
Returns Calculator
Why choose Tata AIA Guaranteed Return Insurance Plan?
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Get Guaranteed* Benefit
Guaranteed* tax-free# benefit to fulfil your life goals such as securing children's education, buying a house or accumulating a corpus for early retirement.
Get guaranteed* 6.32%2 returns*T&C apply
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![/content/dam/tataaialifeinsurancecompanylimited/savings-plan-lead-page/Save-Tax-up-to.svg]()
Flexible Choice of Returns
Flexibility to receive Guaranteed Lumpsum amount, Regular Income or Whole Life Income based on your needs/goals.
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Yearly Guaranteed Additions@
5% of Guaranteed Maturity Benefit will accrue each policy year to boose your corpus with the endowment plan option.
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Life Cover
Get a secure life insurance cover to protect your family under any of our plan options from the day one of policy issuance.
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Save Tax up to 46,800+
Save income tax up to Rs 46,800+ on premiums paid every year. Benefit received is tax-free#.
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Optional Riders^
Enhance protection with optional riders^ with benefits like accidental coverage, critical illness cover, hospitalization cover, etc.
Plan Highlights
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Joint Life Policy
Flexibility to cover your spouse in the same policy under Whole Life Income Option.
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Pay as per convenience
Choose your preferred payment mode – one-time, monthly, quarterly, half-yearly or annual.
Sample Illustration~
Minimum Premium
| Minimum Premium | Single Pay |
Limited Pay |
Regular Pay |
Annual (₹) |
5,000 |
24,000 |
24,000 |
Monthly (₹ excl. taxes) |
Not Applicable |
2,119 |
2,119 |
Option 1: Endowment
Annual Premium (₹) |
Monthly Premium (₹) |
Pay Premium for (years) |
Policy Term (years) |
Total Maturity Benefit (₹) |
1,00,000 |
8,830 |
5 |
10 |
7,03,875 |
1,00,000 |
8,830 |
5 |
20 |
14,68,300 |
1,00,000 |
8,830 |
5 |
30 |
26,09,250 |
1,00,000 |
8,830 |
10 |
20 |
25,40,000 |
1,00,000 |
8,830 |
10 |
30 |
45,92,000 |
1,00,000 |
8,830 |
12 |
20 |
28,91,280 |
1,00,000 |
8,830 |
12 |
30 |
55,07,100 |
Applicable for age up to 50 years, Male/Female, Standard Life
Option 2: Regular Income
Annual Premium (₹) |
Monthly Premium (₹) |
Pay Premium for (years) |
Policy Term (years) |
Income Term (years) |
Annual Income (₹) |
1,00,000 |
8,830 |
5 |
6 |
5 |
1,32,600 |
1,00,000 |
8,830 |
8 |
9 |
8 |
1,71,000 |
1,00,000 |
8,830 |
10 |
11 |
10 |
1,96,950 |
1,00,000 |
8,830 |
12 |
13 |
12 |
2,20,500 |
Applicable for age up to 50 years, Male/Female, Standard Life
Option 3: Whole Life Income
Age |
Type |
Annual Premium (₹) |
Monthly Premium (₹) |
Pay Premium for (years) |
Policy Term (years) |
Income Term (years) |
Annual Income (₹) |
50 |
Single Life |
1,00,000 |
8,830 |
5 |
5 |
62 |
33,575 |
50 |
Single Life |
1,00,000 |
8,830 |
8 |
8 |
59 |
59,773 |
50 |
Single Life |
1,00,000 |
8,830 |
10 |
10 |
57 |
86,450 |
50 |
Single Life |
1,00,000 |
8,830 |
12 |
12 |
55 |
1,14,220 |
Applicable for Male/Female, Standard Life
All Premiums are subject to applicable taxes, cesses & levies which will be entirely borne/paid by the Policyholder, in addition to the payment of such premium. Tata AIA Life shall have the right to claim, deduct, adjust, recover the amount of any applicable tax or imposition, levied by any statutory or administrative body, from the benefits payable under the Policy. Kindly refer the sales illustration for the exact premium.
Why Choose Tata AIA Life Insurance?
Downloads
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Disclaimers
- The complete name of Tata AIA Guaranteed Return Insurance Plan is Tata AIA Life Guaranteed Return Insurance Plan (Individual, Non-Linked, Non-Participating, Life Insurance Savings Plan) • UIN: 110N152V12
- *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
- #Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. For ULIP policies, maturity income will be taxable if annual aggregate premium exceeds ₹2.5 Lakh in a financial year. For non ULIP insurance policies, maturity income will be taxable if annual aggregate premium exceeds ₹5 Lakh in a financial year. 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.
- @Guaranteed 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
- +Tax 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.
- ^Riders 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.
- 172,34,092 families protected till 31st March 2023
- 2Retail Sum Assured for FY23 is Rs 4,43,479 Crores
- 3As on 31st August 2023, the company has a total Assets Under Management (AUM) of Rs. 81,601.11 Crores
- 4Individual Death Claim Settlement Ratio is 99.01% for FY 2022-23 as per the latest annual audited figures.
- 5Applicable 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.
- 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 condition of this plan are specified in the Policy Contract.
- 2Illustrated 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
- 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.
- L&C/Advt/2024/Jan/0050
Tata AIA Life Insurance Company Ltd. (IRDA 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 or write to us at customercare@tataaia.com. Visit us at www.tataaia.com
| BEWARE OF SPURIOUS /FRAUD PHONE CALLS! IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint. |
