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Guaranteed* Income Calculator

Guaranteed* Income Calculator

NRI?

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    Tata AIA Life Insurance Company Limited will send you updates on new products, services, insurance solutions, existing policy or related information and/or process your information in accordance with Privacy Policy. Select here to opt.

    Plan Snapshot

     

    • Get Health cover against 40 Critical Illnesses~

    • Option to get your
      premium% amount back

    • Get your spouse insured 
      under the same policy

      4T&C apply | *T&C apply

    • Express 4 Hour
      claim settlement4
    • Add optional Riders^
      to increase your plan coverage 
    • Choose income monthly or
      annual basis, as per convenience
    Need advice on a new plan?
    Let our experts get back to you.
     

    Are you an NRI?

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    What are the benefits of Tata AIA Fortune Guarantee Plus?

    Get Guaranteed* Income

    Get Guaranteed* Income  | Tata AIA Life Insurance Company

    Get Guaranteed* Income

    Get guaranteed* tax-free# alternate source of income for yourself or your loved ones, assisting you in achieving your financial goals such as buying your car or dream house.

    Health Cover against 40 critical illnesses

    Health Cover against 40 Critical Illnesses | Tata AIA Life Insurance Company

    Health Cover against 40 critical illnesses

    This savings plan provides you an option with inbuilt critical illness benefit that gives you financial assistance upon the diagnosis of any of 40 defined critical illnesses including cancer and cardiac arrest~

    Get your Premium% Amount Back

    Return of Premium at the end of Income Period | Tata AIA Life Insurance Company

    Get your Premium% Amount Back

    While you enjoy peace of mind with guaranteed* tax-free# annual income, your entire premiums paid are returned at the end of the income period.

    Save Tax# up to 46,800++

    Save Tax^ up to 46,800$ | Tata AIA Life Insurance Company

    Save Tax# up to 46,800++

    Your premiums paid and guaranteed* income received on maturity is all TAX Free! Also, save income tax up to Rs 46,800++ every year. 

    Tata AIA Vitality (Wellness Program)**

    Tata AIA Vitality (Wellness Program)**

    On enrolling into the Wellness Program with Tata AIA Vitality Protect / Tata AIA Vitality Health rider, you can get an upfront discount~~ of up to 10% on your 1st year rider premium.

    Pay As Per Convenience

    Instant Online Medical Consultations for 23+ specialties | Tata AIA Life Insurance Company

    Pay As Per Convenience

    You can choose your premium payment mode between single, annual, half-yearly, quarterly, and monthly mode.

    Optional Riders

    Optional Riders

    You can add optional riders^ to increase your plan coverage  

    Choose Income Frequency

    Choose Income Frequency

    Option to receive income either on a monthly or annual basis, as per convenience.

    Choose Income Plan

    Choose Income Plan

    Choose from either a regular income plan or regular income with an in-built critical illness benefit.

    Joint Life Policy

    Joint Life Policy

    With Joint Life policy option, provide life cover to your spouse under the same policy.
    *T&C apply

    4T&C apply

    Happy and Secured NRI Family

    Need help in choosing the right insurance plan?

    Talk to our Financial Advisor today. 


    Get personalized guidance to choose the best-fit insurance plan for your specific needs.
     

    Happy and Secured NRI Family


    How to Create Your Own Plan?

    Tata AIA Fortune Guarantee Plus gives you a wide choice of payment and policy terms. With income term as long as 45 years, you can receive immediate income after the payment term or deferred income as per your financial needs.
     

    • 01

      Option to choose between 2 variants

      You get the choice of regular income or regular income with an inbuilt critical illness benefit.
    • 02
      Choose between single or joint life options
      Secure yourself financially with the single-life option or extend the financial benefit to your spouse by choosing the joint-life option (Joint Life is available with Single Pay option only)
    • 03
      Select a Suitable Policy Term (PT) and Premium Payment Term (PPT)
      Pay one time or for a limited tenure or the entire term as per your convenience.
    • 04
      Choose income term as per your life goals
      Choose between income terms of 20, 25, 30, 35, 40 or 45 years.
    • 05
      Leave a guaranteed legacy for your loved ones
      Guaranteed income is paid irrespective of the survival of the life insured(s) during the income term. Payouts during the income term ensure financial support to your loved ones even in your absence.
    • 06
      Return of premium
      Return of all the premiums paid as a lump sum amount at the end of the income term, irrespective of survival of life insured(s), ensures additional financial support for self or loved ones.

    How to Purchase this Plan?

    You can purchase the plan online in few steps

    • 01
      AppDownload
      Calculate Your Guaranteed Income

      Use our online calculator to calculate the income you need to fulfil your life goals.




    • 02
      Mail
      Upload Documents

      Upload all the mandatory documents and fill the guided form to issue the plan.





    • 03
      Createpassword
      Make Premium Payment

      You can make the premium payment online hassle free using multiple premium payment options such as credit card, debit card, payment wallets, net banking etc.

    • 04
      Group1145
      Plan Issued

      Your plan will be issued post verification of your details submitted.






    How to Purchase this Plan?

    • 01
      AppDownload
      Calculate Your Guaranteed Income

      Use our online calculator to calculate the income you need to fulfil your life goals.

       

       

       

       

       

    • 02
      Mail
      Upload Documents

      Upload all the mandatory documents and fill the guided form to issue the plan.

    • 03
      Createpassword
      Make Premium Payment

      You can make the premium payment online hassle free using multiple premium payment options such as credit card, debit card, payment wallets, net banking etc.

    • 04
      Group1145
      Plan
      Issued


      Your plan will be issued post verification of your details.



    Know the Right Plan Option for You

    Plan Option
    Whole Life Coverage up to a limited number of years | Traditional Term Insurance vs Tata AIA Life Sampoorna Raksha Supreme

    Minimum Entry Age

    Comprehensive Financial Security To Loved Ones | Traditional Term Insurance vs Tata AIA Life Sampoorna Raksha Supreme

    Maximum Entry Age

    Choice of Premium Payment Options | Traditional Term Insurance vs Tata AIA Life Sampoorna Raksha Supreme

    Minimum Age at Maturity

    Choice of Premium Payment Options | Traditional Term Insurance vs Tata AIA Life Sampoorna Raksha Supreme

    Maximum Age at Maturity

    Life Stage Option Benefit | Traditional Term Insurance vs Tata AIA Life Sampoorna Raksha Supreme

    Income Period

    Flexible Payout Options | Traditional Term Insurance vs Tata AIA Life Sampoorna Raksha Supreme

    Income Mode

    Waiver of Premiums | Traditional Term Insurance vs Tata AIA Life Sampoorna Raksha Supreme

    Coverage

    Minimum Premium

    Maximum Premium

    Check about Traditional Term Insurance Plans

    1 year (subject to a minimum maturity age of 18 years)

    60 years

    18 years

    77 years

    20 to 45 years (in multiples of 5 years).
    The Policy Term + Income period is within the range of 25 years to 50 years

    Annual & Monthly

    Single Life & Joint Life (Joint Life for Single Pay option only)

    Single Pay (SA I) - Rs. 5,000

    Single Pay (SA II): As per Minimum Sum Assured and Death Benefit Multiple (DBM) offered Limited Pay / Regular Pay – Rs. 24,000 p.a.

    No Limit

    Buy Tata AIA Sampoorna Raksha Supreme Life Insurance Plan

    18 years

    60 years

    23 years

    70 years

    30 years for 5 pay
    and
    25 years for 10 pay

    Annual & Monthly

    Single Life & Joint Life (Joint Life for Single Pay option only)

    Single Pay (SA I) - Rs. 5,000

    Single Pay (SA II): As per Minimum Sum Assured and Death Benefit Multiple (DBM) offered Limited Pay / Regular Pay – Rs. 24,000 p.a.

    No Limit


    All reference to age is as on last birthday.

    Know the Policy Term and Premium Payment Term



    Premium Payment Term
    Policy Term
    Option 1 Option 2

    Single Pay Sum Assured (I)

    Single Pay (Sum Assured II)

    Regular Pay Limited Pay Regular Pay
    1 year 5 years

    5 & 10 years

    -

    -

    -

    5 to 12 years

    -

    - Same as Premium Payment Term

    -

    -

    5 years

    -

    -

    -

    6 to 10 years Same as Premium Payment Term
    6 years

    -

    -

    -

    7 to 11 years

    -

    7 years

    -

    -

    -

    8 to 12 years

    -

    8 years

    -

    -

    -

    9 to 13 years

    -

    9 years

    -

    -

    -

    10 to 14 years

    -

    10 years

    -

    -

    -

    11 to 15 years Same as Premium Payment Term
    11 years

    -

    -

    -

    12 to 16 years

    -

    12 years

    -

    -

    -

    13 to 17 years

    -

    Add Optional Riders^ to Increase Plan Coverage

    Tata AIA Vitality Protect  A Non-Linked, Non- Participating Individual Health rider (UIN:110B046V04 or later)
    Covers risks like Death, Accidental Death/Disability, Critical Illnesses and Terminal Illness
    Flexibility to receive benefit as combination of lump-sum and income for fixed period, income till survival of partner, or as waiver of future premiums
    Know More

    Tata AIA Vitality Health A Non-Linked, Non- Participating Individual Health rider (UIN:110B045V03 or later)

    3C Protection: Cancer, Cardiac and Critical Illnesses along with Hospitalization and Accidental Disability Benefit

    The rider provides coverage against both major illnesses, and minor injuries or illnesses, while allowing multiple claim payouts
    Know More

    Tata AIA Non-Linked Comprehensive Protection Rider A Non-Linked, Non- Participating Individual Health Rider (UIN:110B033V04 or later)
    Choose one or more benefit options (risk covers), including death, accidental death / disability, critical illness, and terminal illness
    Flexibility to receive benefit as combination of lump-sum and income for fixed period, income till survival of partner, or as waiver of future premiums
    Know More

    Tata AIA Non-Linked Comprehensive Health Rider A Non-Linked, Non- Participating Individual Health Rider (UIN:110B031V03 or later)
    Choose one or more benefit options (risk covers), from a list of 5 available options, including disability, hospitalization, and illness
    The rider provides coverage against both major illnesses, and minor injuries or illnesses, while allowing multiple claim payouts
    Know More

    Looking to buy a new insurance plan? 

    Our experts are happy to help you!

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    Frequently Asked Questions

    General Policy Premium Cover Claim

    What is a savings policy?

    A savings plan is a life insurance plan that provides an avenue for savings for important life goals and a basic life cover to support your family financially. The life cover will provide financial security to your family and ensure a steady source of income in absence of the life assured so that their lifestyle is not compromised.

    What are riders? Why do I need a rider?

    Riders^ are add-on benefits that can be attached to a life insurance plan at a nominal cost. These riders offer multiple benefits such as coverage against accidental death, disability, critical & terminal illness, unforeseen medical expenses, etc.

    What is a claim settlement ratio?

    The claim settlement ratio is referred to as the number of claims that have been passed by an insurance company. It is the ratio of the number of claims settled by an insurer to the number of claims filed in a given period.

    What is a regular income / guaranteed income insurance plan?

    A regular income or guaranteed income insurance plan is a savings plan that allows you to accumulate a savings corpus over the policy term, along with a basic life cover. When the policy matures, you can choose to receive the guaranteed benefits of the plan, which is the accumulated financial corpus in the form of a regular/guaranteed income for an income period of your choice. Additionally, in case of your unfortunate demise, the family receives the death benefit.

    Why do I need a savings plan?

    A savings insurance plan provides an avenue for disciplined savings with guaranteed or non-guaranteed benefits to plan for important life goals. In addition, savings plans come with a basic life cover which ensures financial support to your loved ones in case of your absence.

    When does a policy lapse?

    When the premiums for 1 full year has not been paid within the grace period, the policy will lapse from the due date of first unpaid premium, and no benefits will be payable to the policyholder. 

    What is the difference between guaranteed income and whole life insurance?

    Whole life insurance is a form of life insurance where the life cover or the policy term is up to the age of 100 years. This means that the policyholder’s family can be protected with a life cover for the policyholder’s entire lifetime. At the end of the policy term, a whole life plan may offer an accumulated corpus or the return of all the paid premiums as a survival benefit.

    On the other hand, a guaranteed income plan is a savings avenue where the maturity benefits are assured or guaranteed and can be paid out as a regular income or as a lump sum, as per the policyholder’s choice. However, a guaranteed income plan may also offer the return of premiums with the maturity benefit.

    In the case of whole life insurance as well as a guaranteed income plan, if the policyholder dies during the policy term, the insurance company will pay a death benefit to the appointed nominees.

    What is the maturity benefit in a guaranteed income plan?

    The maturity benefit in a guaranteed income plan is the money/funds saved over the policy term that has been paid in the form of premiums. This amount can either be paid out as a lump sum benefit or as a regular income once the policy matures.

    Why purchase our best guaranteed return insurance plan?

    With our best guaranteed return insurance plan, you can choose from the policy term and a sum assured of your choice to provide life insurance coverage to your family as per your insurance needs. To ensure that the premiums can be paid at your convenience, you can also choose a flexible premium paying term and frequency.


    You can make the most of our guaranteed return insurance plan with a range of policy benefits, such as life cover, guaranteed returns, and regular savings through easy premium payments.

    What are the variants of the Tata AIA Fortune Guarantee Plus plan?

    The Tata AIA Fortune Guarantee Plus offers the following two variants:

    • Regular Income
    • Regular Income with an inbuilt Critical Illness benefit

    Do I get any tax benefits with this plan?

    Yes! You can save tax up to 46,800++ and avail tax benefits as per the applicable income tax laws. The premiums paid will qualify for tax benefits under section 80C of the income tax act. 

    What is the grace period for this plan?

    This plan provides a grace period of 15 days for the monthly payment mode and 30 days for all other modes from the due date of subsequent premium payments.

    Does this plan offer a Free Look period?

    Yes, this plan has a free look period of 30 days from the date of issuance if the policy whether purchased electronically or otherwise.

    Does the Tata AIA Fortune Guarantee Plus have a loan facility?

    Yes, once the policy acquires a surrender value, you can apply for a policy loan for an amount that does not exceed 80% of the surrender value. The assignee of the policy will be Tata AIA Life. 

    Are guaranteed return plans tax-free?

    With guaranteed* return plans, such as Tata AIA Fortune Guarantee Plus (Non-Linked, Non-Participating, Individual Life Insurance Savings Plan (UIN: 110N158V13), you can save income tax# up to 46,800++ every year. 

    *T&C apply

    What is the difference between the plan variants, i.e., regular income and regular income with critical illness benefit?

    There are very few differences between the two plan variants – regular income and regular income with critical illness benefit.

    The main difference is that the second plan option comes with an inbuilt critical illness benefit that offers coverage against 40 critical illnesses, which the first plan option does not.

    Only the Regular Pay option for premium payment is enabled under the second plan option, and the Income Period is different for both plan options – 20 to 45 years for option 1 and 30 or 25 years for option 2.

    What is the minimum premium amount that needs to be paid for this plan?

    When you purchase the Fortune Guarantee Plus by Tata AIA, the minimum premium6 amount to be paid is as follows:

    • Single Pay (SA I) - ₹5,000
    • Single Pay (SA II): As per Minimum Sum Assured and Death Benefit Multiple (DBM) offered.

    What is the premium payment frequency for this life insurance investment plan?

    You can choose from the following premium payment frequencies

    • Annual
    • Half-yearly
    • Quarterly
    • Monthly
    • Single

    In which modes can I receive income from this plan?

    You can choose to receive the income benefit from the plan either monthly or annually.

    When do I receive the return of premium benefit with this plan?

    The return of premium benefit will be payable at the end of the income period, irrespective of the survival of the policyholder during the income period.  

    Do I need to pay any extra premiums for the Tata AIA Fortune Guarantee Plus?

    Apart from the base policy premiums, you will have to pay additional premiums only if you opt for a rider^ benefit to enhance the policy coverage.

    What premium payment frequency options do I have under this policy?

    You can pay your premiums for this policy through the Single, Annual, Half-yearly, Quarterly or Monthly modes.

    Can I change the premium payment frequency?

    The premium payment frequency is fixed at the time of policy purchase. But if you need to change the premium frequency, you can do so after the first policy year, when all the premiums for the first year are paid.

    What is the maximum and minimum term for premium payments?

    Under plan option 1, the minimum and maximum premium payment terms are:

    • Single Pay (SA I) – 1 year for a policy term of 5 years
    • Single Pay (SA II) – 1 year for a policy term of 5 & 10 years
    • Limited Pay – 5 years for PT of 6-10 years and 12 years for PT of 13-17 years.
    • Under plan option 2, the minimum and maximum premium payment terms are 5 and 10 years, respectively.

    What if the premium payment is discontinued before and after the policy surrender?

    If you discontinue the premium payment before surrendering the policy, you will get a grace period of 15/30 days (15 days for monthly mode, 30 days for all other modes) from the due date of the unpaid premium to pay the premium. The policy will be active during this time, and you can continue receiving life insurance coverage. However, the policy will lapse unless you pay your premiums after the grace period.

    If you surrender your policy, the application will be reviewed by Tata AIA Life Insurance company, and once the surrender is accepted, you need not pay the policy premiums anymore.

    Can I change the plan option once chosen?

    No. You can choose one of the two plan options – Regular Income or Regular Income with inbuilt Critical Illness benefit – only at the time of purchasing this savings plan and cannot make any changes after.

    Which rider can I purchase with the Tata AIA Fortune Guarantee Plus plan?

    With the Tata AIA Fortune Guarantee Plus plan, you can purchase the following riders^.
     

    • Tata AIA

      Vitality Protect
      A Non-Linked, Non- Participating Individual Health rider (UIN:110B046V04 or later) 

    • Tata AIA

      Vitality Health
      A Non-Linked, Non- Participating Individual Health rider (UIN:110B045V03 or later)

    • Tata AIA

      Non-Linked Comprehensive Protection Rider
      A Non-Linked, Non- Participating Individual Health Rider (UIN:110B033V04 or later)

    • Tata AIA

      Non-Linked Comprehensive Health Rider
      A Non-Linked, Non- Participating Individual Health Rider (UIN:110B031V03 or later)

    Does this plan provide an option for Joint Life Policy?

    Yes, with the Regular Income variant of the Tata AIA Fortune Guarantee Plus plan, you can choose Joint Life Policy under the Single Pay mode for premium payments option.

    What is the Income Period under this plan?

    You can receive regular income under this plan during the Income Period starting from 20 years for as long as 45 years, as selected by you.

    Does this plan offer a waiver of premium benefit?

    Yes, if you choose the Regular Income with In-built Critical Illness benefit, the waiver of premium benefit will be applicable. During the policy term and before maturity, if you are diagnosed with a critical illness and the pay-out for the contingency has been made, the plan will continue to be in effect, and all future premiums will be waived off.

    Does the plan provide death benefits along with maturity benefits?

    No!  if the insured passes away during the policy term, the nominee can file a death claim and receive the benefits. However, if the insured survives the policy term, they will receive the financial corpus accumulated under the savings policy as a maturity benefit.

    What are the documents required for a claim settlement?

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

    How can I raise a claim under this savings policy?

     To raise a claim, you can choose any of the following channels to reach out to us.

    • Email us at: customercare@tataaia.com
    • Call our helpline number - 1860-266-9966 (local charges apply)
    • Walk into any of the Tata AIA Life Insurance Company 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

    How will the claim be processed if the nominee is outside of India?

    If the nominee is outside of India and the claim needs to be filed, then the nominee can file the claim online by uploading the attested copies of the required documents online or through email. If the nominee wishes to file the claim offline, then they can courier their documents to their representative in India, who can visit our office and initiate the process.

    Does the claim have to be filed at the same Tata AIA Life Insurance branch where the policy was purchased?

    No, the claim can be filed at any Tata AIA Life Insurance branch, as per your/the nominee’s convenience. You can locate our office branches and visit the one nearest to you for the claim initiation.

    Can I file a Critical Illness claim under this plan?

    Yes, if you have chosen the Regular Income with In-built Critical Illness Benefit option under this plan, then you can file a claim with us if and when you are diagnosed with a critical illness that is listed in the policy.

    Disclaimers

    • The complete name of Tata AIA Fortune Guarantee Plus is Tata AIA Life Insurance Fortune Guarantee Plus (UIN: 110N158V13) - Non-Linked, Non-Participating, Individual Life Insurance Savings Plan.
    • 177,26,727 families protected till December’23
    • 2Individual Death Claim Settlement Ratio is 99.13% for FY 2023 - 24 as per the latest annual audited figures.
    • 3As on 03rd April 2024, the company has a total Assets Under Management (AUM) of Rs.100,099.11 Crores
    • 4Applicable 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.
    • 6All 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.
    • The complete name of Tata AIA Non-Linked Comprehensive Protection Rider is Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider (UIN:110B033V04 or any other later version) - A Non-Linked, Non- Participating Individual Health Rider.
    • The complete name of Tata AIA Non-Linked Comprehensive Health Rider is Tata AIA Life Insurance Non-Linked Comprehensive Health Rider (UIN: 110B031V03 or any other later version) - A Non-Linked, Non- Participating Individual Health Rider.
    • *Guaranteed Income shall be total of Guaranteed annual Income plus Income Booster payable in a year. Guaranteed Income as per the chosen Income Frequency shall commence after maturity till the end of the Income Period, irrespective of survival of the life insured(s) during the Income Period.
    • ++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.
    • ~Available under Regular Income with an Inbuilt Critical Illness Benefit option
    • %Return of Premium shall be the sum of Guaranteed Maturity Benefit  plus Milestone Benefit and shall be payable at the end of the Income Period , irrespective of survival of the life insured(s) during the Income Period.
    • #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 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 benefits, premiums, and exclusions under the Rider, please contact Tata AIA Life's Insurance Advisor/Intermediary/ branch.
      • Tata AIA Vitality Protect - A Non-Linked, Non- Participating Individual Health rider (UIN:110B046V04 or later)
      • Tata AIA Vitality Health - A Non-Linked, Non- Participating Individual Health rider (UIN:110B045V03 or later)
      • Tata AIA Non-Linked Comprehensive Protection Rider - A Non-Linked, Non- Participating Individual Health Rider (UIN:110B033V04 or later)
      • Tata AIA Non-Linked Comprehensive Health Rider - A Non-Linked, Non- Participating Individual Health Rider (UIN:110B031V03 or later) are available under this plan. 
    • **Tata AIA Vitality - A Wellness Program that offers you an upfront discount at policy inception. You can also earn premium discount / cover booster (as applicable) for subsequent years on policy anniversary basis your Vitality Status (tracked on Vitality app) Please refer rider brochures for additional details on health and wellness benefits.
    • ~~On enrolling into the wellness Program, you get an upfront discount of 5% on first year premium for Accidental Death, Accidental Total & Permanent Disability, Accidental Disability Care Benefits and of 10% on first year premiums of the other benefit options. The rewards are offered on cumulative basis and in any year, the maximum rewards in view of both the upfront rewards and annual rewards _ex together shall be 15% for Accidental Disability Care and 30% for all other benefit options. Discount is driven by accumulated points which is achieved through wellness status. Please refer policy document for more details.
    • Vitality is a trademark licensed to Tata AIA Life by Amplify Health Assets PTE. Limited, a joint venture between Vitality Group International, INC. and AIA Company Limited. The assessment under the wellness program (Tata AIA Vitality) shall not be considered as a medical advice or a substitute to a consultation/treatment by a professional medical practitioner.
    • This product is underwritten by Tata AIA Life Insurance Company Ltd. 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.
    • Policies sourced through PoS Channel will not have any medical examination. This plan is not a guaranteed issuance plan, and it will be subject to Company’s underwriting and acceptance.
    • Premium excludes the taxes, rider premiums, underwriting extra premiums, loading for modal premiums if any.
    • For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale. The precise terms and conditions of this plan are specified in the Policy Contract.
    • Risk cover commences along with policy commencement for all lives, including minor lives.
    • 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.
    • For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
    • L&C/Advt/2024/Oct/2997