Tata AIA Param Raksha Wealth

IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. THE LINKED INSURANCE PRODUCT DO NOT OFFER ANY LIQUIDITY DURING THE FIRST FIVE YEARS OF THE CONTRACT. THE POLICY HOLDER WILL NOT BE ABLE TO SURRENDER/WITHDRAW THE MONIES INVESTED IN LINKED INSURANCE PRODUCTS COMPLETELY OR PARTIALLY TILL THE END OF THE FIFTH YEAR.

Tata AIA Shubh Wealth - Unit Linked, Non-Participating Individual Life Insurance Plan ((UIN: 110L188V01)

This plan offers twin boosters (If policy term > 30) to policyholders at the time of maturity of the policy. You can refer to the benefit Illustration and policy document sent to you for detailed understanding of the twin boosters.

Maximum limit for partial withdrawal in a year, if any, will be as per BAUP and the Company shall give an advance notice of at least 1 month to the Policyholder if there is any change in the limit. The current maximum partial withdrawal limit in a year is 10% of the fund value.

The Growth Booster is not guaranteed and will vary with the movement in the specified index. Where the amount computed above is nil or negative, the Growth Booster payable shall be nil, and no amount shall be recoverable from the policyholder. In case of unavailability of the above Index i.e. BSE India 10 Year Sovereign Bond Index in future the Company may change the index to some other index by duly notifying the Customer 15 days in advance.

¹All funds open for new business which have completed 5 years since inception are rated 4 star or 5 star by Morningstar as of August 2025.

²Income 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 implication mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefits available to you.

³Data from our TATA AIA fund factsheet shows the performance of TATA AIA Multi Cap fund & ULIF 060 15/07/14 MCF 110 as of June 2026.  Benchmark of this fund is S&P BSE 200 – 100%

⁴Riders 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.

⁵©2025 Morningstar. All rights reserved. The Morningstar name is a registered trademark of Morningstar, Inc. in India, and other jurisdictions. The information contained here: (1) includes the proprietary information of Morningstar, Inc. and its affiliates, including, without limitation, Morningstar India Private Limited (“Morningstar”); (2) may not be copied, redistributed or used, by any means, in whole or in part, without the prior, written consent of Morningstar; (3) is not warranted to be complete, accurate or timely; and (4) may be drawn from data published on various dates and procured from various sources and (5) shall not be construed as an offer to buy or sell any security or other investment vehicle. Neither Morningstar, Inc. nor any of its affiliates (including, without limitation, Morningstar) nor any of their officers, directors, employees, associates, or agents shall be responsible or liable for any trading decisions, damages or other losses resulting directly or indirectly from the information.

⁶As on 31st March 2026, the company has a total Assets Under Management (AUM) of ₹145,589 Crore.

⁷Individual Death Claim Settlement Ratio is 99.45% for FY 2025-26 as per latest audited figures.

⁸98,01,699 families protected till 18th May 2026.

⁹This plan offers twin boosters (If policy term > 30) to policyholders at the time of maturity of the policy. You can refer to the benefit Illustration and policy document sent to you for detailed understanding of the twin boosters.

¹⁰Maximum limit for partial withdrawal in a year, if any, will be as per BAUP and the Company shall give an advance notice of at least 1 month to the Policyholder if there is any change in the limit. The current maximum partial withdrawal limit in a year is 10% of the fund value.

¹¹The Growth Booster is not guaranteed and will vary with the movement in the specified index. Where the amount computed above is nil or negative, the Growth Booster payable shall be nil, and no amount shall be recoverable from the policyholder. In case of unavailability of the above Index i.e. BSE India 10 Year Sovereign Bond Index in future the Company may change the index to some other index by duly notifying the Customer 15 days in advance.

The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. On survival to the end of the policy term, the Total Fund Value including Top-Up Premium Fund Value valued at applicable NAV on the date of Maturity will be paid.

Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your insurer carrying on life insurance business. If your policy offers guaranteed benefits then these will be clearly marked “guaranteed’. If your policy offer variable benefits then it will show two different rates of assumed future investment returns. These assumed rates of return are not guaranteed and these are not the upper or lower limits of what you might get back, as the value of your policy is dependent on a number of factors including actual future investment performance.

Past performance is not indicative of future performance. Returns are calculated on an absolute basis for a period of less than (or equal to) a year, with reinvestment of dividends (if any).

Please know the associated risks and the applicable charges, from your Insurance Agent or the Intermediary or Policy Document issued by the Insurance Company. Please make your own independent decision after consulting your financial or another professional advisor. 

The performance of the managed portfolios and funds is not guaranteed, and the value may increase or decrease in accordance with the future experience of the managed portfolios and funds. 

The solution is underwritten by Tata AIA Life Insurance Company Limited. The solutions are not guaranteed issuance solutions and it will be subject to Company’s underwriting and acceptance. 

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. Unit Linked Life Insurance products are different from traditional insurance products and are subject to risk factors. 

The fund is managed by Tata AIA Life Insurance Company Ltd. (hereinafter the “Company”). Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA Shubh Wealth is only the name of the Unit Linked Life Insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns. 

Various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. Premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. 

Life insurance cover is available under the solution. For details on products, associated risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale. 

For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. The precise terms and condition of this plan are specified in the Policy Contract.

To know more about the products, features, and eligibility, kindly visit our nearest branch or contact us at +91 22 6984 9300

L&C/Advt/2026/Sep/5123