Buy the Best Capital Guarantee Solution Plan

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 Life Insurance Smart Income Plus (Non-Linked, Non-Participating Individual Life Insurance Savings Plan) - UIN: 110N126V04 and (2) Tata AIA Life Insurance Wealth Pro (Unit Linked, Individual Life Insurance Savings Plan) - UIN: 110L111V03 or Tata AIA Life Insurance Fortune Pro (Unit Linked, Individual Life Insurance Savings Plan) UIN: 110L112V04. These products are also available for sale individually without the combination offered/ suggested. This benefits 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* Solution

Who says marked linked returns^{^} & security don’t
go hand in hand?

Introducing Capital Guarantee Solution plan

Your invested amount is always protected^~with this policy
Grow your money with our top-rated funds^$ as rated
by Morningstar^@
Power of customization and liquidity^%

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to an Expert

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

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with our top rated funds^$

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Get the Capital Guarantee Solution to build a comprehensive financial safety net for your family, and your wealth creation goals! Enjoy guaranteed protection^* of all the paid premiums and earn market-linked returns^{^}on policy maturity while securing your family with a life cover - all under a single comprehensive policy!

Plan Benefits of Capital Guarantee Solution

Guaranteed^* Protection of All Paid Premiums

The premiums paid towards this solution are protected under this policy through Guaranteed^* Returns.
Market Linked Returns^{^}

You can create wealth over the long term through market linked returns^{^} by investing a portion of the premium regularly in investment funds of your choice.
Life Cover

Protect your family with an increasing life cover under this policy to secure their future financially in case of any unfortunate event.
Flexibility to Choose Percentage of Guaranteed^* Amount

Choose 80%, 90% or 100% of the guaranteed^* amount as the payout, depending on your annualised premium amount.
Limited Payment Term

Pay premiums for only for a limited premium payment term of 7 or 10 years for a policy term of 15 or 21 years, respectively.
Easy Liquidity

After the mandatory lock-in period of 5 years on your investment fund, you can make partial withdrawals^% as per your need.
Multiple Fund Options

Get flexibility to choose the funds of your choice from our top-rated funds^$.
Tax Benefits

Get income tax^# benefits as per applicable income tax laws

^*T&C apply

Plan Snapshot of Capital Guarantee Solution

Plan Parameters

Minimum

Maximum

Plan Option

Endowment, this option can be chosen at the inception of the policy

Combination Products

Tata AIA Life Insurance Smart Income Plus (Non-Linked, Non-Participating, Individual Life Insurance Savings Plan) in combination with Tata AIA Life Insurance Fortune Pro (Unit Linked, Individual Life Insurance Savings plan) / Tata AIA Life Insurance Wealth Pro (Unit Linked, Individual Life Insurance Savings plan)

Age at Entry (years)

All reference to age is as on last birthday

Combination

PPT

Tata AIA Life Insurance Smart Income Plus and

Tata AIA Life Insurance Fortune Pro OR

Tata AIA Life Insurance Wealth Pro

Premium Payment Term (PPT) (years) / Policy Term(years)

Premium (Rs)

(Premium in multiples of 1000)

Rs 1,00,000 for 10 Pay and

Rs 1,50,000 for 7 Pay

No Limit, subject to Board approved

underwriting guidelines

Capital Guarantee Solution is a combination of Tata AIA Life Insurance Smart Income Plus and Tata AIA Life Insurance Fortune Pro OR Tata AIA Life Insurance Wealth Pro

Why Choose Tata AIA Life Insurance?

68 Lakhs+

Families protected so far^**

The Tata AIA Assurance

Our Individual death Claim Settlement Ratio^~~ for FY 2021-22 is 98.53%.

400+ Branches

Presence across major cities in India

Tax Savings

Get Income tax^# benefits as per applicable tax laws

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

Select a premium payment term of 7 years or 10 years and pay the premiums only for a limited number of years.
03
Pick a Suitable Policy Term

Depending on the limited premium paying term of your choice, your policy term will be 15 years or 21 years.
04
Select the Investment Preference

Select your investment preference that suits you between multiple options
05
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.

Frequently Asked Questions

Generic Policy Cover Claim

What is a comprehensive life insurance plan?

A comprehensive life insurance plan combines multiple benefits from different types of policies under a single plan. For instance, your comprehensive life insurance plan can have a savings component and a life cover while offering market-linked returns^{^}. Moreover, your investment can be secured with the savings plan so that you can receive some guaranteed^* returns on maturity.

Why should you buy a comprehensive life insurance policy?

A comprehensive life insurance policy can provide multiple benefits to the policyholder. Some of the advantages of such a plan are:

Financial protection: The life cover component of the policy provides financial protection to your loved ones in case of your unexpected death. This can help secure their future and maintain their standard of living.
Convenience: A comprehensive life insurance policy that combines savings, investment, and life cover can provide a one-stop solution for your insurance and investment needs.
Savings: The policy allows you to save regularly through premium payments. This helps you accumulate savings over time and build a corpus that can be used to meet your future financial goals.
Investment: The investment component allows you to invest your money in a variety of funds. This can help you grow your wealth over time and achieve your financial goals faster.

When should I buy a life insurance plan for savings and investment?

The right time to buy a savings and investment life insurance plan is when you need to build a wealth creation plan for the future. Apart from investing in a policy that offers market-linked returns, you should also be able to secure your investment with guaranteed^* savings.

A comprehensive policy that combines savings and investment can be suitable for this purpose. Furthermore, the life cover under the policy will ensure your family’s future financial security in the event of any unfortunate event.

Which life insurance plans form the Capital Guarantee Solution?

The following plans are included under the Capital Guarantee Solution:

The Tata AIA Life Insurance Smart Income Plus (Non-Linked, Non-Participating, Individual Life Insurance Savings Plan and
Tata AIA Life Insurance Fortune Pro (Unit Linked, Individual Life Insurance Savings Plan) Alternately, this plan can be replaced with the Tata AIA Life Insurance Wealth Pro (Unit Linked, Individual Life Insurance Savings plan).

What is the policy term and the premium paying term of this policy?

The premium paying term of this policy is 7 years (Limited Pay) for a policy term of 15 years or 10 years (Limited Pay) for a policy term of 21 years.

Does the Capital Guarantee Solution offer an increasing life cover?

Yes, the policy offers an increasing life cover from the entry age of your choice until the end of the policy term. In the event of the death of the life assured during the policy term, your beneficiaries will receive the death benefit as a lump sum.

What is the percentage of guaranteed^* maturity payout I can choose on this policy?

You can choose the following percentage of guaranteed maturity payout based on your risk appetite:

80% of Total Premiums Paid (excluding taxes)
90% of Total Premiums Paid (excluding taxes)
100% of Total Premiums Paid (excluding taxes)

^*T&C apply

Does the policy enable partial withdrawals from the invested amount?

Yes, after a lock-in period of 5 years under this policy, partial withdrawals^% are allowed on the investment. However, no withdrawals, partial or complete will be enabled during the 5-year lock-in term.

How to file a claim with Tata AIA Life Insurance?

Select any of the below options to file a claim:

Email us at: customercare@tataaia.com
Call our helpline number - 1860-266-9966 (local charges apply)
Walk into any of the TALIC 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 required for a claim settlement?

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

When can one file a claim under this policy?

You can file a claim under this policy in the following two scenarios:

In case of the death of the insured, the claim can be filed by the nominee and the death benefit will be paid out.
If the insured outlives the policy term, they can file a claim and the maturity benefit, which includes the investment returns as well as some guaranteed returns, will be paid out.

Disclaimer

^*Guaranteed Returns are defined as Guaranteed Payout (GP)/ Guaranteed Maturity Payout (GMP) under Endowment Option. For Endowment option, GP is 5.26 to 15.03 times of AP for Male lives and 5.36 to 15.04 times of the AP for female lives and GMP is equal to GP, provided the policy is in-force and all due premiums have been paid. The GP/GMP factors vary by the chosen premium payment term, age, and gender as per plan option chosen. Some benefits are guaranteed, and some benefits are variable (non-guaranteed) with returns based on the future performance of the opted funds and fulfillment of other applicable Policy conditions. If your Policy offers guaranteed returns, then these will be clearly marked as "guaranteed".
The above illustration has been determined using assumed future investment returns of 8% and 4% respectively. These assumed rates of return are not guaranteed and there are no upper and lower limits of what you might get back at Maturity, due to the fact that the value of your Policy is dependent on a number of factors including future investment performance. The customer has the choice of purchasing any one or more products as per his/her need and choice and there is no compulsion whatsoever that these products are to be taken together as suggested by the Insurer and presented in this advertisement. The customer is expected to ask questions, understand, and satisfy himself that the combination meets his/her specific needs better before deciding to purchase the suggested combination. The illustration in this advertisement is the arithmetic combination and chronological listing of combined benefits of individual products.
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.
^~Get security on investment by having premium in the form of Regular Income or Lumpsum benefit through Tata AIA Life Insurance Smart Income Plus (UIN:110N126V04)
^{^}A portion of plan benefits are linked to ULIP and selected funds.
^%Liquidity through partial withdrawal from ULIP funds after completion of 5 years.
^#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.
^@©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.
^$on a 5-year basis as of September 2022.
^**68,75,083 families protected till October 2022
^~~Individual Death Claim Settlement Ratio is 98.53% for FY 2021 - 22 as per the latest annual audited figures.
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 Life Insurance Wealth Pro / Tata AIA Life Insurance Fortune Pro 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/Mar/0802