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Individual, Non-Linked, Non-Participating, Life Insurance Savings Plan (UIN:110N152V11)

Individual, Non-Linked, Non-Participating, Life Insurance Savings Plan (UIN:110N152V11)


Tata AIA Life
Guaranteed Return Insurance Plan

A Guaranteed* Income Plan to fund your hopes & dreams

A Guaranteed* Income Plan to fund your hopes & dreams

Tata AIA Life
Guaranteed Return Insurance Plan

Lead a joyful & financially stable life at every age and stage with a unique savings plan assuring guaranteed* returns, life cover and tax benefits^.


Lead a joyful & financially stable life at every age and stage with a unique savings plan assuring guaranteed* returns, life cover and tax benefits^.

Enjoy guaranteed* returns for future 

Enjoy guaranteed* returns for future 

Get 98.53% claims settled ratio** advantage

Get 98.53% claims settled ratio** advantage

Save taxes as much as Rs. 46,800&

Save taxes as much as Rs. 46,800&

Plan guaranteed* returns to meet your future goals.

Plan guaranteed* returns to meet your future goals.

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Plan Snapshot

Personalise your plan as per your priorities.

  • Guaranteed* returns

    to meet your future goals

  • Payout options

    Lump sum | Regular income | Whole life Income

  • Insure yourself and your spouse~

    in the same policy

  • Avail loan

    against your policy

  • Flexi premiums

    Monthly/Annually/Quarterly/
    Lumpsum/Half-yearly

  • Add-on Security (Riders)1

    Enhanced Protection
    Complete Health Cover

Need assistance?
Let our experts get back to you.
 


TATA AIA Life Insurance Co. Ltd will send you updates on your policy, new products & services, insurance solutions or related information. Select here to opt-in.

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Benefits of Tata AIA Guaranteed Return Insurance Plan - A Savings Plan

Guaranteed Returns

Get Guaranteed returns* plan with the flexibility of lump sum, regular income, whole life income benefit

Insurance coverage

Life insurance coverage to secure the future of your loved ones

Cover for your spouse

Option of joint life in same policy under Whole Life Income benefit 

Add-on riders

Enhanced Guaranteed Return Insurance Plan protection through optional riders1

Highlights of Tata AIA Guaranteed Return Insurance Plan

You can choose from three plan options: Endowment, Regular Income and Whole Life Income 

You have the flexibility to plan your future goals with guaranteed returns*

You can choose any of the additional riders to increase the protection offered

The plan gives you the freedom to pay premiums for single and limited periods

You can choose to pay your premiums once, annually, semi-annually, quarterly or monthly

You have the option to avail a loan against your policy

You can avail tax benefits^ as per the applicable tax laws

Check Eligibility Documents Required

Age at entry and Maturity

  Minimum Maximum
Entry age (Years) 0

Non PoS: 65

PoS: 60

Maturity age (Years) 18

Non PoS: 85

PoS: 65


All reference to age is as on last birthday.

Premium payment term/ Policy term

Option

Premium Payment Term (Years)

Policy Term (Years)

Minimum

Maximum

Option 1

Single Pay

10

5

6

Non PoS: 40

PoS: 20

6

7

7

8

8

9

9

10

10

10

11

11

12

12

Option 2

5

6

6

7

7

8

8

9

9

10

10

11

12

13

Option 3

Single Pay

5

5

5

6

6

7

7

8

8

9

9

10

10

11

11

12

12

Premium payment mode

 Premium payment frequency options 

 Single
 Annual
 Semi-annual 
 Quarterly
 Monthly 

Sum assured

 Basic sum assured 
 Death benefit multiple x Annualised premium 
EIA Pancard
PAN card
Aadhar Card
Aadhaar card
Bank Statement
Bank Statement (for the previous 6 months)
Salary Slip
Salary Slip
Income Tax Rec
Income tax receipt


Frequently Asked Questions

What are the plan options under Tata AIA Guaranteed Return Insurance Plan?

Under Tata AIA Guaranteed Return Insurance Plan, you have the flexibility to choose from the following plan options.

Option 1: Endowment

Option 2: Regular Income

Option 3: Whole Life Income

What is the premium payment frequency for this savings plan?

You can choose from the following premium payment frequencies.

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

How can I raise a claim under this savings plan?

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

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 documents would I require to buy an insurance policy?

You will have to submit the following mandatory documents to buy an insurance policy.

Proof of address:

The following documents are accepted as valid proof of your address:

  • Bank Statement (or passbook) with the latest entries for six months
  • Aadhaar card
  • Passport
  • Voter's ID
  • Driving license
  • Electricity/telephone bill
  • Ration card

Proof of identity:

Some of the documents that are accepted as valid proof of your identity include:

  • PAN card
  • Aadhaar card
  • Passport
  • Driving license

Documents showing proof of income:

These documents, which are required only for a few plans, include:

  • Salary slips of the previous 3 months
  • Income tax returns/Employer certificate
  • Bank statement of the previous 6 months
  • Latest Form 16

What are riders? Which rider can I purchase with Tata AIA Guaranteed Return Insurance Plan?

Need more information?
Let us help you

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TATA AIA Life Insurance Co. Ltd will send you updates on your policy, new products & services, insurance solutions or related information. Select here to opt-in.

Disclaimers

  • The full name of Tata AIA Guaranteed Return Insurance Plan is Tata AIA Life Guaranteed Return Insurance Plan - Individual, Non-Linked, Non-Participating, Life Insurance Savings Plan (UIN:110N152V11)

  • *The benefits under the plan are Guaranteed and may be a % of the Annualised Premium or Total Premiums Paid based on the plan option selected. Please refer Brochure for more details.

  • **Individual Life Claim Settlement Ratio is 98.53% for FY 2021 - 22 as per the latest annual audited figures.

  • Guaranteed Addition in the Endowment option 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.

  • ~Applicable in specific plan options.

  • 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.

  • 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.

  • &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. 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.

  • For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

  • 1Riders 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. Below riders are available with this plan

    • Tata AIA Vitality Health - A Non-Linked, Non- Participating Individual Health rider (UIN:110B045V01)

    •  Tata AIA Vitality Protect - A Non-Linked, Non- Participating Individual Health rider (UIN:110B046V01)

    • Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider - A Non-Linked, Non- Participating Individual Health Rider (UIN:110B033V02) 

    • Tata AIA Life Insurance Non-Linked Comprehensive Health Rider - A Non-Linked, Non- Participating Individual Health Rider (UIN: 110B031V02)

  • 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.

  • 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.

  • L&C/Advt/2022/Nov/2764