Tata AIA Life Guaranteed Return Insurance Plan

Guaranteed Return Insurance Plan Overview

Individual, Non-Linked, Non-Participating, Life Insurance Savings Plan

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

We present to you, Tata AIA Life Guaranteed Return Insurance Plan to meets tomorrow's requirements along with protecting your loved ones and dreams as it ensures you of guaranteed returns.

This plan helps you fulfill your medium to long term goals such as Child's Education/ Marriage or Retirement planning etc.

Guaranteed Return Insurance Plan Key Features

  • Flexibility to choose Plan Option: Endowment, Regular Income or Whole Life Income
  • Life cover for the financial protection of your loved ones
  • Guaranteed Additions1 to boost corpus year on year under Endowment Option
  • Flexibility to cover your spouse in same policy under Whole Life Income Option
  • Choice of Policy Term with limited Premium Payment Term
  • Enhance your protection with optional Riders2


  • *Guaranteed Returns/Payouts depend on Plan Option, Policy Term, Premium Payment Term and Age at entry.
  • 1Guaranteed Addition defined as a percentage of GMB shall accrued 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.
  • 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 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.
  • 2Tata AIA Life Insurance Accidental Death and Dismemberment (Long Scale) (ADDL) Rider (UIN: 110B028V03) & Tata AIA Life Insurance Waiver of Premium Plus (WOPP) Rider (UIN: 110B029V02) are available under this plan. Rider is not mandatory and is 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.
  • 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 and recover the amount of any applicable tax or imposition, levied by any statutory or administrative body, from the benefits payable under the Policy.
  • Income Tax benefits would be available as per the 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 on this site. Please consult your own tax consultant to know the tax benefits available to you.
  • For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.