Tata AIA Smart Sampoorna Raksha Supreme

You shall get the Fund Value, including Top-Up Premium Fund Value, if any, valued at applicable NAV on the date of Maturity.

Starting from the 11^th year of your policy, at the end of each month, the mortality charge that was deducted 120 months ago (based on your plan option) will be added back to your fund value as extra units. This will continue until you turn 85.

Cover Continuance Boosters will be added as extra units. In the first 15 years, they are added if the fund value drops below 10% of the premium. From the 16th year onwards, boosters are added if the fund value falls below the the Fund Value implied by the Target Net Yield.

Female policyholders will receive an extra 0.5% of the instalment premium added to their plan in the first year.

After 5 policy years, you can choose to receive a second income based on three withdrawal plans: Systematic Withdrawal Plan, Chosen-Rate Withdrawal Plan, and Index Based Withdrawal Plan.

You can choose any fund from out top-rated funds¹ or choose between the portfolio strategies: Enhanced SMART (Systematic Money Allocation & Regular Transfer) or Life-stage based Portfolio Strategy.

An additional sum assured equal to 1.25 or 1.10 X top-up premium, subject to the policy conditions, will be provided under the Top-Up facility. The top-up premiums can be allocated in any proportion between the chosen funds.

You may choose to pay your premiums Annually, Semi-annually, Quarterly, Monthly, or even single time as per your convenience.

You can switch between funds anytime, for free and as often as needed, to match your financial goals or market changes. You can also re-direct future premiums to different funds, as long as the percentages add up to 100%. No charges applicable for re-direction.

You can choose to receive the maturity benefit either as a lump sum or through regular payments over five years after the policy maturity date.

When you invest in a ULIP Policy, you can ensure a life cover to protect the financial future of your family in your absence and also invest in financial securities for wealth creation.

You can invest in financial securities based on your risk appetite, whether high-risk equity funds, medium-risk hybrid funds, or low-risk debt funds. Furthermore, you can switch between the funds based on your changing investment preferences, considering the market cycles. .

After the 5-year lock-in period, you can benefit from withdrawal options to fund your routine expenses or planned financial commitments.

With ULIP Plans, you can plan a long-term investment to enhance the potential gains for your wealth creation objectives.

The premiums paid for the ULIP policy, and the payouts received qualify for a tax deduction as per applicable tax laws.