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A Non-Linked, Non-Participating, Individual Life Insurance Savings Plan (UIN: 110N131V03)

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Tata AIAGold Income Plan

  1.  Receive guaranteed* income on policy maturity

  2.  You can choose to receive guaranteed* income for either 10 or 15 years.

  3.  Get Income Tax benefits# as per applicable tax laws

  4. *T&C apply

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Benefits of Tata AIA Gold Income Plan

  • Get Guaranteed* Income

    Starting at 12% of the basic Sum Assured, you can choose to receive your guaranteed* income for either 10 years or 15 years.

  • Income Booster

    You can get an extra 5% to 10% on top of your Guaranteed* Income by choosing an Income Booster~ based on your premium amount, premium paying term, and income term.

  • Higher Guaranteed Income

    Receive higher guaranteed* income from the policy by increasing your early premium amount.

  • Flexible Premium Payment and Policy Term

    You can choose how long you want your insurance policy to stay in force, either 12 or 15 years and how many years you want to pay the premiums for, either 5 or 12 years.

  • Additional Coverage

    Add coverage to your policy with a choice of 2 optional riders^ for a nominal premium amount to increase the coverage of your policy.

  • Tax Benefits

    Receive income tax# benefits as per applicable income tax laws.

*T&C apply

Why Choose Tata AIA Life Insurance?

72 Lakh+

Families protected so far1

4 Hours

Express Claim Settlement2

73,500+ Crores

Worth of Assets Under Management3

400+ Branches

Presence across major cities in India

2T&C apply

 

Eligibility Criteria of Tata AIA Gold Income Plan

Plan Parameters

Minimum

Maximum

Age at Entry

5 Pay: 6 years

12 Pay: 3 years

5 Pay: 65 years

12 Pay: 55 years

Age at Maturity

18 years

5 Pay: 77

12 Pay: 70

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

Policy Term

Premium Payment Term

12 years

5 years

15 years

12 years

Basic Sum Assured

Basic Sum Assured will be equal to the Annualised Premium x Basic Sum Assured Multiple.

Premium (in multiples of 1000)

5 Pay: ₹50,000 p.a.

12 Pay: ₹36,000 p.a.

No Limit, subject to Board approved underwriting guidelines

Premium Payment Mode

Annual/Half-yearly/Quarterly/Monthly


All reference to age is as on last birthday.

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Frequently Asked Questions on Tata AIA Gold Income Plan

General Policy Cover Claim

What is a guaranteed savings policy?

A guaranteed savings policy is a life insurance policy that offers the benefit of long-term savings, guaranteed income on maturity and a life cover under the same policy. The guaranteed benefit from the plan is paid out to the insured on maturity.

With a guaranteed savings plan, you can save money regularly towards the policy through the premium payments and then receive an assured lump sum or regular income benefit at the end of the policy term.

If the insured does not survive the policy term, then a death benefit will be payable to the appointed nominee or the beneficiaries.

What are the different types of savings plans?

Endowment policies, money-back plans and guaranteed income plans, monthly income plans are a few different types of savings plans.

When should one purchase a savings plan?

One can buy a savings plan at any point in time when they want to start saving money for their future. However, to avail of higher returns, opting for a savings plan early in life is advisable. This also helps one get a longer policy term during which they can save money for a longer tenure.

What are the benefits of Tata AIA Gold Income Plan?

The benefits of Tata AIA Gold Income plan are as follows:

  • Get Guaranteed Maturity Bene­fit* at the end of policy term
  • Choose your Guaranteed Income* for either 10 or 15 years
  • Receive Guaranteed Income* starting @ 12% of the Basic Sum Assured
  • Enjoy increasing income with Income Boosters~ of 5% to 10% on Guaranteed Income*, based on premium amount, premium paying term & income term chosen
  • Get higher Guaranteed Income* with higher annual premium payment
  • Pay for 5/12 years for policy term of 12/15 years
  • Enhance your protection with optional Riders^
  • Receive income tax# benefits as pe the applicable Income Tax laws

*T&C apply

What is the premium paying term of the Tata AIA Gold Income Plan?

The limited premium paying term of the Tata AIA Gold Income Plan is –

  • 5 years for a policy term of 12 years
  • 12 years for a policy term of 15 years

What is the Income Booster feature?

The income booster~ refers to an additional benefit percentage, between 5% - 10%, depending on your premium amount. This booster increases your guaranteed* income each year and depends on the premium amount, income term and premium paying term you select.

What is the death benefit payable under this policy?

The death benefit payable or the sum assured on death is the highest one of the following:

  • Eleven (11) times the annualised premium
  • 105% of the total premiums paid up to the date of death
  • Guaranteed* sum assured on maturity
  • The absolute amount assured to be paid on death

Which two riders are available under the Tata AIA Gold Income Plan?

The two optional riders^ available under the Tata AIA Gold Income Plan are:

  • Tata AIA Life Insurance Accidental Death and Dismemberment (Long Scale) (ADDL) Rider (UIN:110B028V03) - A Non-Linked, Non-Participating, Individual Health Insurance, Pure Risk Premium Rider
  • Tata AIA Life Insurance Waiver of Premium Plus (WOPP) Rider (UIN:110B029V02) - A Non-Linked, Non-Participating, Individual Health Insurance, Premium Paying Rider

What is the minimum and maximum annualised premium payable for the policy?

The minimum and maximum annualised premium payable towards this policy is:

  • Minimum – ₹50,000 for a 5-year premium payment term and ₹36,000 for a 12-year premium payment term.
  • There is no restriction on the maximum premium payable. However, the limit will be subject to the company’s underwriting.

When should I file a death claim or a maturity claim?

In the event of the policyholder’s death during the policy period, the appointed nominee, as named in the proposal form, should file a death claim. The policyholder can file a maturity claim at the end of the policy term and receive the guaranteed income benefits as predetermined under the policy.

How to reach out to Tata AIA Life Insurance to file a claim?

You can choose any of the following channels to contact us and raise a claim.

  • Email us at: customercare@tataaia.com

  • Call our helpline number - 1860-266-9966 (local charges apply)

  • Type CLAIM and send it to +91-7045669966

  • 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

Disclaimer

  • The complete name of Tata AIA Gold Income Plan is Tata AIA Life Insurance Gold Income Plan (UIN: 110N131V03) - A Non-Linked, Non-Participating, Individual Life Insurance Savings Plan
  • *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.
  • ^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.
  • #Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfilment 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.
  • 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 Lakh. 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
  • 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.
  • 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/2023/Oct/3496
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