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IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER

This advertisement is designed for combination of benefits of two individual and separate products named (1) Tata AIA i Systematic Insurance Plan (Unit Linked Individual Life Insurance Savings plan) - UIN:110L164V02 and (2) Tata AIA Life Guaranteed Return Insurance Plan (Individual, Non-Linked Non-Participating Life Insurance Savings Plan) - UIN:110N152V12. These products are also available for sale individually without the combination offered/ suggested. This benefit illustration is the arithmetic combination and chronological listing of combined benefits of individual products. The customer is advised to refer the detailed sales brochure of respective individual products mentioned herein before concluding sale.

THE LINKED INSURANCE PRODUCT DOES 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.

Capital Guarantee* Advanced Solution

Capital Guarantee* Advanced Solution


One solution to grow your wealth with our top rated funds$

Introducing Capital Guarantee Advanced Solution


One solution to grow your wealth with
our top rated funds$


Introducing Capital Guarantee Advanced Solution

  • Your invested amount is protected with us*

  • Get life cover to secure your family

  • Get income tax# benefits as per applicable tax laws

Get good returns on your investment with our top rated funds$

Get good returns on your investment with our top rated funds$

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    TATA AIA Life Insurance Co. Ltd will send you updates on your policy, new products & services, insurance solutions or related information. Select here to opt-in.

    Looking to buy a new insurance plan? 

    Our experts are happy to help you!

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    Select plan
    • Term plans
    • Saving plans
    • Retirement plans
    • Wealth plans
    • I don't know/I need help

    TATA AIA Life Insurance Co. Ltd will send you updates on your policy, new products & services, insurance solutions or related information. Select here to opt-in

    What Is a Combo Insurance Solution?


    A combo insurance solution is a life insurance policy that combines two or more life insurance plans into a single policy solution. Tata AIA combo plans provide varied financial benefits, such as life cover, savings, and investment solutions. As a package, it helps you manage the various financial requirements in a single policy without having to experience handling multiple policies during the long term.

    Benefits Of Capital Advanced Guarantee Solution

    • Money bag - Claim tax deductions as per applicable tax laws with Term Insurance Policy - Features of Tata AIA Term Insurance Policy
      Security of Investment

      The premiums paid towards this solution are protected under this policy through Guaranteed* Returns.

    • Clock Icon
      Get Life Cover

      Secure your family’s financial future in the event of any unfortunate event.

    • Boy with a cap
      Market-Linked Returns

      You can get returns with the upside of market-linked returns^ at 4% or 8% as the maturity benefit based on your life goals.

    • Flexible Death benefit payout in a term plan can be offered either as a lump sum, a regular income or a combination of both
      Top-rated funds

      You can choose to invest from our top-rated funds$ to grow your wealth over the long term.

    • Money Bag Icon
      Liquidity

      You can partially withdraw~ funds from the investment benefit after the five-year lock-in period.

    • Money Bag Image
      Limited Premium Payment Term

      You can pay the premium for a limited term while ensuring the benefits throughout the policy term.

    • Multiple Fund Options

      Get flexibility to choose the funds of your choice from our top-rated$ funds. Our funds have been rated 4 or 5 stars by Morningstar@.

    • Income Tax Benefits

      Get income tax# benefits as per applicable tax laws and save more

    *T&C apply

    Plan Snapshot
     

    Plan Parameters

    Minimum

    Maximum

    Age At Entry

    30 days

    50 years

    Age At Maturity

    18 years

    NA

    Premium Payment Term/Policy Term (years)

    5/12, 7/15, 10/21

    Capital Guarantee Variation

    80%, 100%, 120%

    Premium Requirement

    Rs.40,000

    No limit, subject to the Board Approved Underwriting Guidelines (BAUP)

    Non-Self-Options

    Spouse, Child (Minor), Child (Major) - The proposer age should be between 18 years and 99 years.

     

    Why Choose Tata AIA Life Insurance?

    Families protected so far - Why Choose Tata AIA Life Insurance?

    72 Lakh+

    Families protected so far1

    98.02% Claim settlement ratio - Why Choose Tata AIA Life Insurance?

    4 Hour

    Express Claim Settlement2

    300 + Branches across major cities in India - Why Choose Tata AIA Life Insurance?

    400+ Branches

    Presence across major cities in India

    4 Hours Express Claim settlement - Why Choose Tata AIA Life Insurance?

    81,000+ Crores

    Assets Under Management (AUM)3

    2T&C apply


    How to Purchase this Plan Online?

    • 01

      Choose Investment Amount

      Decide how much you want to invest to fulfil your life goals
    • 02

      Choose the Premium Payment Duration and Policy Duration

      Select the number of years you want to pay the premium amount and the policy duration
    • 03

      Select the Investment Preference

      Choose between multiple options such as Balanced (Low-Risk Returns and Security), Maximising Gains (High Growth and Risk), Minimising Losses (Intermediate Growth & Safety), etc., and decide on the strategy or the funds for the investment based on your risk appetite.
    • 04

      Make the Premium Payment

      Once your benefit illustration is ready, you can make the premium payment online through any of our digital payment options and complete the policy purchase.

    Looking to buy a new insurance plan? 

    Our experts are happy to help you!

    +91

    Select plan
    • Term plans
    • Saving plans
    • Retirement plans
    • Wealth plans
    • I don't know/I need help

    TATA AIA Life Insurance Co. Ltd will send you updates on your policy, new products & services, insurance solutions or related information. Select here to opt-in

    Frequently Asked Questions

    Generic Plan Cover Claim

    What are combo insurance plans?

    Combo insurance plans are life insurance plans that combine the benefits of two or more life insurance plans in a single policy.

    What are the advantages of a combo insurance plan?

    • It Provides multiple benefits in a single policy, such as life cover, savings, and investment
    • Easier to manage the policy as a single product for the various benefits rather than as separate policies.
    • Customise the policy based on your financial condition and needs by choosing the premium payment term, policy payout options, etc.

    Why should you purchase a life insurance plan with savings and investment benefits?

    A life insurance plan with a savings benefit will provide a guaranteed return to help accomplish your future financial goals, and the investment benefit will help you grow your wealth over the long term with market-linked returns.

    What are the different combo insurance plans offered by Tata AIA Life?

    Which Tata AIA Life Insurance Plans form the Tata AIA Life Insurance Capital Guarantee Advanced Solution?

    The Tata AIA Life Insurance Capital Guarantee Advanced Solution is a combination of the Tata AIA Life Insurance Guaranteed Return Insurance Plan and the Tata AIA Life Insurance i Systematic Insurance Plan.

    What is the premium payment term and the policy term for this policy?

    The applicable premium payment term/policy term combinations for this policy are 5/12, 7/15 and 10/21.

    Can I customise the coverage in the combo insurance solution?

    Yes, you can customise the coverage in the combo insurance solution based on your affordable premium, financial requirements, premium payment term, etc.

    Can I purchase this combo insurance coverage for my family members?

    Yes, the Tata AIA Life Insurance Capital Guarantee Advanced Solution provides non-self purchase options for spouse, child (minor), and child (major).

    How to file a claim for this policy?

    • Apply for the claim online

    • Write to us at claims@tataaia.com

    • By locating us at TALIC branch offices

    • By Post on 

      Tata AIA Life Insurance Company Limited,

      Claims department:

      9th Floor, B wing,

      I-Think Techno Campus (Lodha)

      Behind TCS, Pokhran Road No.2,

      Thane(West), Mumbai - 400 607

    • Calling us at 1-860-266-9966 (within India) and 022-6251 9966 (for NRI customers) (Call Charges apply)

    How to track my claim process?

    You can track your claim process online - Track Your Claim

    Disclaimer

    • Capital Guarantee Advance Solution is a combination of Tata AIA i Systematic Insurance Plan, Unit Linked Individual Life Insurance Savings Plan (UIN:110L164V02) and Tata AIA Life Guaranteed Return Insurance Plan, Individual, Non-Linked, Non-Participating, Life Insurance Savings Plan (UIN: 110N152V12)

    • *Guaranteed is applicable only if all due premiums are paid and the policy is inforce.

    • #Income 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 implications mentioned anywhere on this site. Please consult your own tax consultant to know the tax benefits available to you.

    • $All funds open for new business which have completed 5 years since inception are rated 4 or 5 stars by Morningstar on a 5 year basis as of Mar’2023

    • ^A portion of plan benefits are linked to ULIP and selected funds. All investments made by the Company 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.

    • ~Liquidity through partial withdrawal from ULIP funds after completion of 5 years

    • @©2020 Morningstar. All rights reserved. The Morningstar name is a registered trademark of Morningstar, Inc. in India and other jurisdictions. The information contained here: (1) includes the proprietary information of Morningstar, Inc. and its affiliates, including, without limitation, Morningstar India Private Limited (“Morningstar”); (2) may not be copied, redistributed or used by any means, in whole or in part, without the prior, written consent of Morningstar; (3) is not warranted to be complete, accurate or timely; and (4) may be drawn from the data published on various dates and procured from various sources and (5) shall not be construed as a n offer to buy or sell any security or other investment vehicle. Neither Morningstar, Inc. nor any of its affiliates (including, without limitation, Morningstar) nor any of their officers, directors, employees, associates or agents shall be responsible or liable for any traducing decisions, damages or other losses resulting directly or indirectly from the information. 

    • 172,34,092 families protected till 31st March 2023.

    • 2Applicable 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.

    • 3As on 31st August 2023, the company has a total Assets Under Management (AUM) of Rs. 81,601.11 Crores

    • The fund is managed by Tata AIA Life Insurance Company Ltd. (hereinafter the “Company”).

    • 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).

    • All investments made by the Company 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.

    • Please know the associated risks and the applicable charges, from your insurance agent or the Intermediary or policy document issued by the insurance company.

    • Please make your own independent decision after consulting your financial or other professional advisor.

    • 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.

    • These products are underwritten by Tata AIA Life Insurance Company Limited.

    • Unit Linked Life Insurance products are different from traditional insurance products and are subject to risk factors. Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA i Systematic Insurance Plan are 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. The premium paid in 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. The 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. Please know the associated risks and the applicable charges, from your insurance agent or the Intermediary or policy document issued by the insurance company. Linked insurance products do not offer any liquidity during the first five years of the contract.

    • The customer is advised to refer the detailed product brochure of respective individual products, segregated premium particulars of each product.

    • The premium amount shown in the illustration above is indicative and calculated assuming that the life Proposed/Assured is a healthy person.

    • For details of the rates and the terms and conditions applicable to the particular person/policy, kindly refer to the specifications in the policy document after issuance.

    • For more details on risk factor, terms, and conditions, please read Sales brochure of the particular plan carefully before concluding a sale.

    • Insurance cover is available under these products. These plans are not a guaranteed Issuance plan, and it will be subject to Company’s underwriting and acceptance. Depending upon the factors such as health, occupation of the customer and other intrinsic factors such as non-submission of documentary evidence like age proof, the premium will be adjusted accordingly, as per the underwriting guidelines of Tata AIA Life Insurance Company Limited.

    • To know the details of premium and benefits for each plan of this combination solution please go through the benefit illustration of individual product as provided to you.

    • 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 total premiums paid.

    • 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, 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/Oct/3366

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