Savings plan

or

Investment plans

5 key differences between Savings and Investment plans

Differences Between Savings and Investment Plans | Tata AIA

Objective

Savings plan Investment plans
Short to medium term financial goals and emergency fund Accumulate wealth over long term through power of compounding
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Risk

Savings plan Investment plans
Low risk Medium to high risk
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Returns

Savings plan Investment plans
Guaranteed1 but generally lower than market-linked2 returns Uncertain with opportunity for higher returns

1T&C apply
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Liquidity

Savings plan Investment plans
High Low May incur additional charges on withdrawal
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Tax Implication

Savings plan Investment plans
Interest earned is generally taxable Returns may be tax-free3 for certain plans if conditions are met

3T&C apply
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Which is better -
saving or investing?

  • Savings and Investment plans are not exclusive
  • Choose the plan that suits your short-term and long-term requirement

Explore Tata AIA plans today
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  • 1Guaranteed Returns/Payouts depend on Plan Option, Policy Term, Premium Payment Term and Age at entry
  •  2Market-linked returns are subject to market risks and terms & conditions of the product. The assumed rate of returns or illustrated amount may not be guaranteed and depends on market fluctuations.
  • 3No Goods and Service Tax shall be applicable on Individual life insurance products as per prevailing laws. Tax laws are subject to amendments from time to time. If any imposition (tax or otherwise) is levied by any statutory or administrative body under the Policy, Tata AIA Life Insurance Company Limited reserves the right to claim the same from the Policyholder. Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. For ULIP policies taken on or after 1st February 2021, any payout will be taxable if annual aggregate premium exceeds ₹2.5 Lakh in a financial year. 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.
  • Insurance cover is available under this product.
  • This product is underwritten by Tata AIA Life Insurance Company Limited. This plan is not a guaranteed issuance plan, 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.
  • For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale.



Tata AIA Life Insurance Company Limited (IRDAI Regn. No.110 · CIN: U66010MH2000PLC128403). Registered & Corporate Office: 14th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg, Lower Parel, Mumbai – 400013.
Trade logo displayed above belongs to Tata Sons Ltd and AIA Group Ltd. And is used by Tata AIA Life Insurance Company Ltd under a license. For any information including cancellation, claims and complaints, please contact our Insurance
Advisor / Intermediary or visit Tata AIA Life’s nearest branch office or call 1-860-266-9966 (local charges apply) or write to us at customercare@tataaia.com. Visit us at: www.tataaia.com.

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS / FRAUDULENT OFFERS

IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

L&C/Advt/2025/Oct/3830

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