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The Tata AIA Wealth Maxima presents the combined benefits of market-linked returns$ for wealth creation and a protective life cover for your family’s future security.
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Benefits of Tata AIA Wealth Maxima
Secure your family from life’s unexpected turns with life insurance coverage till 100 years of age
From the 11th policy year, your investments can be boosted with loyalty~ additions in the form of additional units in each of the funds.
Choose Limited Pay/Single Pay and enjoy life insurance coverage without worrying about life-long premium payments.
Choose from three optional riders^ to add to your life insurance coverage and be protected against specific risks and unforeseen events.
Select funds as per your preference from a range of or choose the Enhanced SMART portfolio strategy for your investments.
Get Income Tax# benefits as per applicable income tax laws.
Eligibility Criteria
Minimum Issue Age (as of last birthday) |
0 years (30 days) |
Maximum Issue Age (as of last birthday) |
60 years |
Maximum Maturity Age |
100 years |
Policy Term |
100 minus Issue age |
Premium Paying Term |
Single Pay Limited Pay – 7/8/9/10/15 and 20 years |
Premium Pay Mode |
Single, Annual, Semi-Annual, Quarterly, Monthly |
Minimum Premium |
Single Pay – ₹5,00,000 Limited Pay – ₹2,50,000 per annum |
Maximum Premium |
No Limit |
Minimum/Maximum Basic Sum Assured |
For Single Pay – 1.25 times the Single Premium For Limited Pay – Higher of (10*AP) OR (0.5*Policy Term* AP) AP = Annualised Premium means the premium amount payable in a year. It does not include the taxes, rider premiums and underwriting extra premiums on riders if any. (For the purpose of Basic Sum Assured, Policy Term = 70 minus Issue age) |
Age as on last birthday
Step 1 - Select a Suitable Sum Assured
Determine and choose a sum assured for your life insurance coverage that will protect your family's future financial goals and dreams.
Step 2 - Choose the Policy Term and Premium Payment Term
A suitable policy term will act as your investment tenure, while the choice of premium payment term can help you plan your investment.
Step 3 - Pick Your Investment Funds
Depending on your investment strategy and your risk profile, you can choose from an array of market-linked fund options offered under this policy.
Step 4 - Complete the Online Purchase
Make your online premium payment swiftly and safely through any of our multiple digital payment channels at your convenience.
What is the benefit of whole life insurance coverage?
The main and most important benefit of whole life insurance coverage is that your loved ones will not have to worry about fulfilling their financial obligations and goals in case of your untimely demise. With whole life insurance, you also need not worry about purchasing a new life insurance policy after it expires since the policy term is life-long/up to 100 years of age.
What is a Unit-Linked Insurance Plan?
A Unit-Linked Insurance Plan is a type of life insurance policy that combines the benefits of market-linked investment with life insurance coverage so that the policyholder can avail of wealth creation opportunities while securing their family’s future under a single policy.
When should I buy a Unit-Linked Insurance Plan?
A suitable time to purchase a ULIP would be when you are ready to invest in market-linked securities and funds. If you understand the financial markets and have the financial capacity to pay timely premiums, you can choose some ULIP funds per your investment needs and risk profile.
How many ULIPs do I need to generate long-term wealth?
You can choose to have one or two ULIPs if you seek long-term wealth creation. However, two ULIPs mean that you will have to manage two premiums which can get expensive over the period. If you cannot pay your premiums, the policy can lapse, risking your life cover and investment. Having one ULIP with a comprehensive life cover and good investment options is the better choice.
Can investors with a medium risk profile opt for ULIPs?
Yes, ULIPs are quite flexible, especially when it comes to the choice of investment funds. As an investor with a medium risk profile, you can opt for funds options that align with your investment goals and match your risk profile.
What is the maximum age for being eligible to purchase this policy?
You can purchase the Tata AIA Wealth Maxima until the maximum issue age of 60 years.
What is the maturity benefit payable on this ULIP?
If you survive the policy term, you will receive a maturity benefit that comprises the Total Fund Value. This is the fund value in which you have invested over the years as well as the Top-Up Premium Fund Value valued as per the Net Asset Value (NAV) on the date of the policy maturity.
What premium paying options are under the Tata AIA Wealth Maxima?
The premium paying term under this policy is as follows:
The premium paying modes are – single, annual, semi-annual, quarterly, and monthly.
When can I opt for the Enhanced SMART option in my policy?
You can opt for Enhanced SMART only at the time of policy inception, and available only for those policyholders who have chosen the annual/single mode of premium payment. This facility does not carry any additional charges.
What are my rider options under the Tata AIA Wealth Maxima?
You can choose from the following riders^ under this policy:
What is the Top-Up facility?
The Top-Up facility comprises additional premiums you can pay towards your policy up to 4 times each year. The minimum amount you can pay is ₹5000, and these premiums, too, will have a lock-in period of 5 years from the date of acceptance unless you choose to completely withdraw your funds.
What are the various policy charges associated with my ULIP?
The different charges associated with your ULIP are premium allocation charge, fund management charge, mortality charge, discontinuance charge, and fund switching charge. Tata AIA Life Insurance does not levy any partial withdrawal charges or premium re-direction charges for the Tata AIA Wealth Maxima.
What are the documents needed to file a claim under this ULIP?
Please click here to know the list of documents needed for the claim intimation and settlement process.
Should I file a claim at the same branch where my policy was purchased?
While you can file your claim at the same Tata AIA Life Insurance office branch where your policy was purchased, you can also opt to file the claim at any of our other branches or the one nearest to you.
How to file a claim with Tata AIA Life Insurance?
To file a claim with us, reach out to us via the following channels:
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
Can my nominee file a claim from outside India?
Yes, your nominee can file a claim from outside India if necessary. To file the claim offline, they will need to courier the required documents to their representative in India, who can visit any of our office branches to file the claim. The online claim can be filed by simply uploading the documents online or sending them to us over email.
Disclaimers
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