Tata AIA Life Insurance Gold Income Plan

Gold Income Plan Product Overview

A Non-Linked, Non-Participating, Endowment Assurance Plan

We, at Tata AIA Life, believe in protecting your dreams at various stages of life without compromising on your needs through financial resources. You do not have to think twice to live your dreams as they now come with guaranteed income^.

We present to you, Tata AIA Life Insurance Gold Income Plan, a limited pay income plan that meets tomorrow's requirements along with protecting your loved ones and dreams as it ensures you of guaranteed returns* for the money invested. This plan not only offers Guaranteed Lump Sum benefit on Maturity but also gives Guaranteed Income^ during the income term that increases every year.

Investment in this plan helps you fulfill your medium to long term goals such as Child’s Education/ Marriage or Retirement planning.

*&^ Conditions apply


Gold Income Plan Key Features

  • Pay for 5/12 years for policy term of 12/15 years
  • Choose your Guaranteed Income* for 10 or 15 years
  • Get Guaranteed Maturity Benefit* at the end of policy term
  • Receive Guaranteed Income starting @ 12% of the Basic Sum Assured
  • Enjoy increasing income with Income Boosters# of 5% to 10% on Guaranteed Income^
  • Get higher Guaranteed Income with higher annual premium payment
  • Enhance your protection with optional Riders
  • Receive tax benefits u/s 80C and 10(10D), as per the applicable Income Tax laws


  • *Guaranteed Returns are defined as Guaranteed Maturity Benefit equal to 100% of the Basic Sum Assured and ^Guaranteed Income is equal to 12% of Basic Sum Assured, shall commence from the end of year following Maturity which increases annually (compounding increase) by an Income Booster. #Income Booster percentage will depend on premium amount, premium paying term and income term chosen by the Policyholder at inception of the policy.
  • 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.
  • This product is underwritten by Tata AIA Life Insurance Company Ltd. This 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.
  • In case of non-standard lives and on submission of non-standard age proof, extra premiums will be charged as per our underwriting guidelines.
  • Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. 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.
  • Riders are not mandatory and are available for a nominal extra cost. For more details on the benefits, premiums and exclusions under the riders please refer to the Rider Brochure or contact our Insurance Advisor or visit our nearest branch office.

For complete details please visit Tata AIA Life's nearest branch office or call 1860-266-9966 (where local charges apply) or write to us at customercare@tataaia.com. Visit us at: www.tataaia.com or SMS 'LIFE' to 58888.

Tata AIA Life Insurance Company Ltd. (IRDA of India Regn. No. 110). Registered & Corporate Office Address: 14th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg, Lower Parel, Mumbai 400013.