Savings Solutions

Tata AIA Life Insurance

Fortune Guarantee
Non Linked Non Participating Endowment Insurance Plan
Tata AIA Life Insurance Fortune Min Annualised R 50,000
Premium
Guarantee
Max Annualised No Limit, Subject to Underwriting
Non Linked Non Participating Endowment Insurance Plan Premium
At every stage of your life you have a milestone to achieve. *All references to age is as on last birthday
Along with this you also carry the burden of any uncertainty
happening & work towards being prepared to face the same. You may choose to pay your premiums in Annual,
Life Insurance is the best way to protect your family from Semi-annual, Quarterly or Monthly mode as per your
financial crisis in case of an unfortunate event and help you to convenience.
fulfill your dreams.
We present, Tata AIA Life Insurance Fortune Guarantee that Modal loading is as follows:
provides life insurance cover throughout the policy term for the Annual Premium Rate : Multiply Annual Premium Rate
financial security of your family and a Guaranteed lump sum by 1 (i.e. No loading).
benefit on maturity to fulfill your future goals. You can also
enhance your protection cover with a wide range of riders. Semi-Annual Premium Rate : Multiply Annual Premium Rate
by 0.51 (i.e. loading of 2%).
Key Features
Quarterly Premium Rate : Multiply Annual Premium Rate
• Guaranteed Maturity Benefit*that varies from 114% to 275%
of Total Premiums Paid by 0.26 (i.e. loading of 4%).
• Life cover to protect your loved ones Monthly Premium Rate : Multiply Annual Premium Rate
• Flexible policy term & premium paying term by 0.0883 (i.e. loading of 6%).
• Higher benefits for female lives Increase / Decrease in Basic Sum Assured is not allowed.
• Option to enhance protection through riders
• Tax benefits may be available u/s 80C & 10(10D) of the How does Tata AIA Life Insurance Fortune
Income-Tax Act, 1961 Guarantee work?
*Provided the policy is in force and all due premiums have been paid, on
maturity. Maturity benefit depends on the entry age, gender, policy term and
premium band On Maturity*, Maturity
benefit factor times total
Eligibility Criteria premiums paid is payable

Plan Parameters
Policy Term Min Issue Max Issue Maturity
(years) Age (years) Age(years) Age (years)

10 8 65 75 Premium Payment Term

Min / Max 11 7 65 76
Issue Age/ 0 1 2 3 4 5 6 7 8 9 10
12 6 65 77
Maturity Age
15 3 65 80
20 0 (30 days)
60 80
Policy Term (Years)
21 0 (30 days)
59 80
Policy Term (Years)
Premium Payment *Maturity benefit factor varies with the entry age, gender, policy term and
Policy Term/
Term (Years) premium band. For more details refer ‘What are your benefits?’ section.
Premium
Payment Term 10,11,12 and 15 5
20 and 21 10 What are your Benefits?
Premium Mode Annual/Semi-annual/Quarterly/Monthly You are eligible for the following benefits under this product:
10 times Annualised Premium
“Annualised Premium” shall be the premium Maturity Benefit
Basic Sum paid in a year with respect to the basic sum Maturity Sum Assured will be paid on maturity. The “Maturity
Assured assured chosen by the policy holder, excluding Sum Assured” is equal to maturity benefit factor multiplied by
the underwriting extra premiums and loading for
modal premiums, if any.
Total Premiums Paid, where maturity benefit factor varies as
per the policy term, gender, annualised premium band & entry
age as mentioned below:

1 2
Males
Policy Term - 10 years
Entry Age/Annualised 50,000 to 75,000 to 1,00,000 to 5,00,000 to 10,00,000 &
Premium Band 74,999 99,999 4,99,999 9,99,999 above
8 to 15 138% 141% 146% 148% 149%
16 to 20 137% 140% 145% 147% 149%
21 to 25 136% 139% 144% 146% 148%
26 to 30 135% 139% 142% 145% 147%
31 to 35 135% 138% 141% 144% 146%
36 to 40 133% 137% 140% 143% 145%
41 to 45 132% 136% 140% 141% 144%
46 to 50 131% 135% 139% 140% 143%
51 to 55 130% 133% 137% 140% 140%
56 129% 132% 136% 140% 140%
57 127% 131% 135% 139% 139%
58 126% 130% 134% 137% 138%
59 125% 128% 133% 136% 136%
60 124% 127% 132% 135% 135%
61 122% 126% 130% 134% 134%
62 120% 124% 128% 132% 132%
63 119% 122% 127% 130% 130%
64 116% 120% 125% 128% 128%
65 114% 118% 122% 126% 126%

Policy Term – 11 years

Entry Age/Annualised 50,000 to 75,000 to 1,00,000 to 5,00,000 to 10,00,000 &
Premium Band 74,999 99,999 4,99,999 9,99,999 above
7 147% 151% 155% 157% 160%
8 to 15 147% 151% 155% 157% 160%
16 to 20 146% 151% 154% 156% 159%
21 to 25 145% 150% 153% 155% 157%
26 to 30 144% 150% 152% 154% 156%
31 to 35 144% 148% 151% 153% 155%
36 to 40 142% 146% 151% 152% 154%
41 to 45 141% 145% 151% 151% 153%
46 to 50 140% 144% 149% 151% 152%
51 to 55 139% 142% 147% 151% 151%
56 138% 141% 146% 150% 150%
57 137% 140% 144% 149% 149%
58 135% 139% 143% 148% 148%
59 134% 137% 142% 146% 146%
60 132% 136% 140% 145% 145%
61 131% 134% 139% 143% 143%
62 129% 132% 137% 141% 141%
63 126% 130% 135% 139% 139%
64 124% 127% 132% 137% 137%
65 121% 125% 130% 134% 134%

3 4
Policy Term 12 years
Entry Age/Annualised 50,000 to 75,000 to 1,00,000 to 5,00,000 to 10,00,000 &
Premium Band 74,999 99,999 4,99,999 9,99,999 above
6 156% 160% 165% 167% 169%
7 156% 160% 165% 167% 169%
8 to 15 156% 161% 165% 167% 170%
16 to 20 155% 159% 164% 166% 168%
21 to 25 154% 158% 163% 165% 167%
26 to 30 153% 158% 162% 164% 166%
31 to 35 153% 156% 161% 163% 165%
36 to 40 151% 155% 160% 162% 164%
41 to 45 150% 154% 160% 161% 163%
46 to 50 149% 153% 158% 160% 162%
51 to 55 148% 151% 155% 160% 160%
56 146% 150% 154% 159% 159%
57 145% 148% 153% 157% 158%
58 143% 147% 151% 156% 156%
59 142% 145% 150% 155% 155%
60 140% 143% 148% 153% 153%
61 138% 141% 146% 151% 151%
62 136% 139% 144% 149% 149%
63 133% 137% 141% 146% 146%
64 130% 134% 139% 144% 144%
65 127% 131% 136% 141% 141%
Policy Term 15 years
Entry Age/Annualised 50,000 to 75,000 to 1,00,000 to 5,00,000 to 10,00,000 &
Premium Band 74,999 99,999 4,99,999 9,99,999 above
3 194% 199% 205% 209% 211%
4 194% 200% 206% 209% 212%
5 195% 200% 206% 210% 212%
6 195% 200% 206% 210% 212%
7 195% 200% 207% 210% 213%
8 to 15 195% 201% 207% 210% 213%
16 to 20 194% 200% 205% 209% 212%
21 to 25 192% 198% 204% 207% 210%
26 to 30 191% 198% 202% 206% 209%
31 to 35 191% 196% 201% 204% 207%
36 to 40 188% 194% 200% 203% 206%
41 to 45 186% 192% 200% 201% 204%
46 to 50 184% 191% 197% 200% 202%
51 to 55 182% 187% 194% 200% 200%
56 180% 185% 192% 198% 198%
57 178% 183% 190% 196% 196%
58 176% 181% 188% 194% 194%
59 174% 179% 186% 192% 192%
60 171% 176% 183% 190% 190%
61 168% 173% 180% 187% 187%
62 165% 170% 177% 184% 184%
63 161% 167% 174% 180% 181%
64 157% 162% 170% 177% 177%
65 152% 158% 165% 172% 172%

5 6
Policy Term 20 years
Entry Age/Annualised 50,000 to 75,000 to 1,00,000 to 5,00,000 to 10,00,000 &
Premium Band 74,999 99,999 4,99,999 9,99,999 above
0 229% 234% 240% 243% 245%
1 232% 237% 243% 245% 247%
2 234% 239% 245% 248% 250%
3 236% 241% 247% 250% 252%
4 237% 243% 249% 251% 253%
5 238% 243% 249% 252% 254%
6 239% 244% 250% 252% 255%
7 239% 244% 251% 253% 255%
8 to 15 239% 245% 251% 253% 255%
16 to 20 236% 242% 248% 250% 253%
21 to 25 234% 240% 246% 248% 251%
26 to 30 232% 240% 244% 246% 249%
31 to 35 232% 237% 242% 244% 247%
36 to 40 227% 233% 239% 241% 243%
41 to 45 223% 229% 236% 236% 238%
46 to 50 217% 223% 229% 230% 232%
51 to 55 210% 214% 220% 224% 224%
56 203% 206% 211% 215% 215%
57 200% 203% 208% 212% 212%
58 197% 200% 205% 209% 209%
59 193% 197% 201% 205% 205%
60 190% 193% 198% 202% 202%

Policy Term 21 years

Entry Age/Annualised 50,000 to 75,000 to 1,00,000 to 5,00,000 to 10,00,000 &
Premium Band 74,999 99,999 4,99,999 9,99,999 above
0 245% 251% 257% 259% 262%
1 248% 254% 260% 263% 265%
2 251% 256% 263% 266% 268%
3 253% 259% 265% 268% 270%
4 254% 260% 267% 269% 272%
5 255% 261% 268% 270% 273%
6 256% 262% 268% 271% 273%
7 256% 262% 269% 271% 274%
8 to 15 256% 262% 269% 272% 274%
16 to 20 253% 260% 266% 268% 271%
21 to 25 251% 257% 263% 266% 269%
26 to 30 249% 257% 261% 264% 267%
31 to 35 248% 254% 259% 261% 264%
36 to 40 243% 249% 255% 257% 260%
41 to 45 237% 244% 252% 252% 254%
46 to 50 230% 237% 243% 244% 246%
51 to 55 222% 226% 232% 237% 237%
56 212% 216% 221% 226% 226%
57 209% 213% 218% 222% 222%
58 205% 209% 214% 218% 218%
59 202% 205% 210% 214% 214%

7 8
Females:
Policy Term - 10 years
Entry Age/Annualised 50,000 to 75,000 to 1,00,000 to 5,00,000 to 10,00,000 &
Premium Band 74,999 99,999 4,99,999 9,99,999 above
8 to 15 139% 142% 147% 149% 150%
16 to 20 138% 141% 146% 148% 150%
21 to 25 137% 140% 145% 147% 149%
26 to 30 136% 140% 143% 146% 148%
31 to 35 136% 139% 142% 145% 147%
36 to 40 134% 138% 141% 144% 146%
41 to 45 133% 137% 141% 142% 145%
46 to 50 132% 136% 140% 141% 144%
51 to 55 131% 134% 138% 141% 141%
56 130% 133% 137% 141% 141%
57 128% 132% 136% 140% 140%
58 127% 131% 135% 138% 139%
59 126% 129% 134% 137% 137%
60 125% 128% 133% 136% 136%
61 123% 127% 131% 135% 135%
62 121% 125% 129% 133% 133%
63 120% 123% 128% 131% 131%
64 117% 121% 126% 129% 129%
65 115% 119% 123% 127% 127%

Policy Term – 11 years

Entry Age/Annualised 50,000 to 75,000 to 1,00,000 to 5,00,000 to 10,00,000 &
Premium Band 74,999 99,999 4,99,999 9,99,999 above
7 148% 152% 156% 158% 161%
8 to 15 148% 152% 156% 158% 161%
16 to 20 147% 152% 155% 157% 160%
21 to 25 146% 151% 154% 156% 158%
26 to 30 145% 151% 153% 155% 157%
31 to 35 145% 149% 152% 154% 156%
36 to 40 143% 147% 152% 153% 155%
41 to 45 142% 146% 152% 152% 154%
46 to 50 141% 145% 150% 152% 153%
51 to 55 140% 143% 148% 152% 152%
56 139% 142% 147% 151% 151%
57 138% 141% 145% 150% 150%
58 136% 140% 144% 149% 149%
59 135% 138% 143% 147% 147%
60 133% 137% 141% 146% 146%
61 132% 135% 140% 144% 144%
62 130% 133% 138% 142% 142%
63 127% 131% 136% 140% 140%
64 125% 128% 133% 138% 138%
65 122% 126% 131% 135% 135%

9 10
Policy Term 12 years
Entry Age/Annualised 50,000 to 75,000 to 1,00,000 to 5,00,000 to 10,00,000 &
Premium Band 74,999 99,999 4,99,999 9,99,999 above
6 157% 161% 166% 168% 170%
7 157% 161% 166% 168% 170%
8 to 15 157% 162% 166% 168% 171%
16 to 20 156% 160% 165% 167% 169%
21 to 25 155% 159% 164% 166% 168%
26 to 30 154% 159% 163% 165% 167%
31 to 35 154% 157% 162% 164% 166%
36 to 40 152% 156% 161% 163% 165%
41 to 45 151% 155% 161% 162% 164%
46 to 50 150% 154% 159% 161% 163%
51 to 55 149% 152% 156% 161% 161%
56 147% 151% 155% 160% 160%
57 146% 149% 154% 158% 159%
58 144% 148% 152% 157% 157%
59 143% 146% 151% 156% 156%
60 141% 144% 149% 154% 154%
61 139% 142% 147% 152% 152%
62 137% 140% 145% 150% 150%
63 134% 138% 142% 147% 147%
64 131% 135% 140% 145% 145%
65 128% 132% 137% 142% 142%
Policy Term 15 years
Entry Age/Annualised 50,000 to 75,000 to 1,00,000 to 5,00,000 to 10,00,000 &
Premium Band 74,999 99,999 4,99,999 9,99,999 above
3 195% 200% 206% 210% 212%
4 195% 201% 207% 210% 213%
5 196% 201% 207% 211% 213%
6 196% 201% 207% 211% 213%
7 196% 201% 208% 211% 214%
8 to 15 196% 202% 208% 211% 214%
16 to 20 195% 201% 206% 210% 213%
21 to 25 193% 199% 205% 208% 211%
26 to 30 192% 199% 203% 207% 210%
31 to 35 192% 197% 202% 205% 208%
36 to 40 189% 195% 201% 204% 207%
41 to 45 187% 193% 201% 202% 205%
46 to 50 185% 192% 198% 201% 203%
51 to 55 183% 188% 195% 201% 201%
56 181% 186% 193% 199% 199%
57 179% 184% 191% 197% 197%
58 177% 182% 189% 195% 195%
59 175% 180% 187% 193% 193%
60 172% 177% 184% 191% 191%
61 169% 174% 181% 188% 188%
62 166% 171% 178% 185% 185%
63 162% 168% 175% 181% 182%
64 158% 163% 171% 178% 178%
65 153% 159% 166% 173% 173%

11 12
Policy Term 20 years
Entry Age/Annualised 50,000 to 75,000 to 1,00,000 to 5,00,000 to 10,00,000 &
Premium Band 74,999 99,999 4,99,999 9,99,999 above
0 230% 235% 241% 244% 246%
1 233% 238% 244% 246% 248%
2 235% 240% 246% 249% 251%
3 237% 242% 248% 251% 253%
4 238% 244% 250% 252% 254%
5 239% 244% 250% 253% 255%
6 240% 245% 251% 253% 256%
7 240% 245% 252% 254% 256%
8 to 15 240% 246% 252% 254% 256%
16 to 20 237% 243% 249% 251% 254%
21 to 25 235% 241% 247% 249% 252%
26 to 30 233% 241% 245% 247% 250%
31 to 35 233% 238% 243% 245% 248%
36 to 40 228% 234% 240% 242% 244%
41 to 45 224% 230% 237% 237% 239%
46 to 50 218% 224% 230% 231% 233%
51 to 55 211% 215% 221% 225% 225%
56 204% 207% 212% 216% 216%
57 201% 204% 209% 213% 213%
58 198% 201% 206% 210% 210%
59 194% 198% 202% 206% 206%
60 191% 194% 199% 203% 203%

Policy Term 21 years

Entry Age/Annualised 50,000 to 75,000 to 1,00,000 to 5,00,000 to 10,00,000 &
Premium Band 74,999 99,999 4,99,999 9,99,999 above
0 246% 252% 258% 260% 263%
1 249% 255% 261% 264% 266%
2 252% 257% 264% 267% 269%
3 254% 260% 266% 269% 271%
4 255% 261% 268% 270% 273%
5 256% 262% 269% 271% 274%
6 257% 263% 269% 272% 274%
7 257% 263% 270% 272% 275%
8 to 15 257% 263% 270% 273% 275%
16 to 20 254% 261% 267% 269% 272%
21 to 25 252% 258% 264% 267% 270%
26 to 30 250% 258% 262% 265% 268%
31 to 35 249% 255% 260% 262% 265%
36 to 40 244% 250% 256% 258% 261%
41 to 45 238% 245% 253% 253% 255%
46 to 50 231% 238% 244% 245% 247%
51 to 55 223% 227% 233% 238% 238%
56 213% 217% 222% 227% 227%
57 210% 214% 219% 223% 223%
58 206% 210% 215% 219% 219%
59 203% 206% 211% 215% 215%

11 12
Death Benefit death occurs /disability commences before the proposer
In case of unfortunate event of the death of the insured; during reaches 65 years or the end of premium payment term of the
the term of the policy, Sum Assured on death as defined below basic plan, whichever is earlier).
shall be payable. Tata AIA Life Insurance Term Rider (UIN: 110B030V01)
“Sum Assured on death” shall be the highest of the following: This rider ensures additional protection of your family by paying
• Basic Sum Assured your nominee an amount equal to the rider sum assured in
event of untimely death.
• 105% of the Total Premiums Paid
In the event of death it will pay below mentioned benefits,
• Maturity Sum Assured depending on the option chosen by the life insured at time of
Where, issuance of the rider:
“Basic Sum Assured” is 10 times of the Annualised Premium. Option I: Death benefit equals Sum Assured on Death
“Annualised Premium” shall be the premium paid in a year Option II: An amount equal to (1/120) times Sum Assured on
with respect to the Basic Sum assured chosen by the policy Death, every month for fixed 10 years starting from
holder, excluding the underwriting extra premiums and loading the subsequent monthly Death Anniversary.
for modal premiums, if any. Where monthly Death Anniversary is defined as
“Total Premiums Paid" means amount equal to the total monthly date on which death took place.
premiums paid during the premium payment term of the policy. There is no overlap in benefit offered under different riders and
Such amount should be excluding interest, tax, underwriting rider benefits shall be payable separately in addition to base
extra premiums and loading for modal premiums, if any. plan benefits.
“Maturity Sum Assured” refers to the absolute amount of
1
Riders are not mandatory and are available for a nominal extra cost. For
more details on the benefits, premiums and exclusions under these riders
benefit which is guaranteed to become payable on maturity of please refer to the Rider Brochure or contact our Insurance Advisor/
the policy. Intermediary or visit our nearest branch office.

Additional Benefits: Benefit Illustration

Flexibility of Additional Coverage1 Following are the benefits payable at the given ages for term 15
years for a healthy life and for standard age proof:
You have further flexibility to customize your product by adding
the following optional riders. These riders can be attached only All amount in Rupees
at the policy inception. Age of the Annual Basic Sum Maturity
The Policyholders have an option to choose the following riders: life insured Premium^ Assured Benefit#
(years)
1. Tata AIA Life Insurance Accidental Death and Dismemberment
35 R 100,000 R 10,00,000 R 10,05,000
(Long Scale) (ADDL) Rider (UIN:110B028V01)
35 R 500,000 R 50,00,000 R 51,00,000
2. Tata AIA Life Insurance Waiver of Premium Plus (WOPP) 35 R 10,00,000 R 100,00,000 R 1,03,50,000
Rider (UIN:110B029V01) ^
Premiums are excluding applicable taxes, cesses and levies. All Premiums,
3. Tata AIA Life Insurance Term Rider (UIN: 110B030V01) Charges, and interest payable under the policy are exclusive of applicable
taxes, duties, surcharge, cesses or levies which will be entirely borne/paid by
Tata AIA Life Insurance Accidental Death and Dismemberment
the Policyholder, in addition to the payment of such Premium, charges or
(Long Scale) (ADDL) Rider (UIN: 110B028V01) interest. Tata AIA Life shall have the right to claim, deduct, adjust, recover the
This rider ensures protection of your family by paying your amount of any applicable tax or imposition, levied by any statutory or
nominee an amount equal to the rider sum assured in case of administrative body, from the benefits payable under the Policy. Kindly refer
the benefit illustration for the exact premium.
an accidental death. In case of severe dismemberment like loss
of limbs or bodily functions or severe burns due to an accident, In case of unfortunate death of the insured, Death Benefit as
it will pay a percentage of the rider sum assured as per the defined under ‘What are your Benefits’ will be payable.
ADDL benefit chart. The benefits will be doubled in case of #
Provided the policy is in force, all due premiums have been paid and Insured
certain accidental death or dismemberments. survives till maturity.

Tata AIA Life Insurance Waiver of Premium Plus (WOPP) Other plan features/ Terms and Conditions
Rider (UIN:110B029V01)
Surrender
This rider provides for the waiver of all future premiums of the
The policy can be surrendered any time during the term of the
basic policy which fall due in case of death or while the policy, provided at least two full year’s premiums have been
proposer is totally and permanently disabled (provided that the paid for Premium Payment Term of 5 years and three full year’s

11 12
premiums have been paid for Premium Payment Term of 10 However, from the due date of First Unpaid Premium, but not
years. The surrender value payable is higher of the Guaranteed later than 2 years from the due date of First Unpaid Premium;
Surrender Value (GSV) or Special Surrender Value (SSV). the policy can be revived by payment of full arrears of
GSV will be Total premium paid x GSV factor* premiums together with interest.
“Total Premiums Paid" means amount equal to the total Revival
premiums paid during the premium payment term of the policy.
Such amount should be excluding interest, tax, underwriting If a premium is in default beyond the Grace Period and subject
extra premiums and loading for modal premiums, if any. to the Policy not having been surrendered, you may
reinstate/revive the same within two years after the due date of
The Special Surrender Value (SSV) will be calculated
as follows: the first unpaid premium and before the date of maturity
subject to underwriting & reinstatement rules of the company.
Special Surrender Value Factor* x Maturity Sum Assured. However, the Company would require: a) A written application
Company has the right to review the basis for calculating the from you for reinstatement/revival; b) Current health certificate
SSV factors from time to time based on the experience and will of insured and other evidence of insurability satisfactory to the
be subject to prior approval of IRDA of India. Company; c) Payment of all overdue premiums with interest; d)
*For Guaranteed Surrender Value Factors and Special Surrender Value Repayment or reinstatement of any Indebtedness outstanding
Factors, please refer to the policy contract. at the due date of the premium at default plus interest. The
applicable interest rate for revival is determined using the SBI
Grace Period domestic Term Deposit rate for ‘1 year to 455 days’, plus 2%.
If you are unable to pay your Premium on time, a grace period Any alteration in the formula will be subject to prior approval of
of 15 days for monthly mode and 30 days for all other modes IRDAI. The simple interest rate applicable as on 1st April 2018,
will be offered starting from the premium due date. The Policy is 8.40% p.a. [i.e. SBI interest rate of 6.40% (which rate may
will remain in force during this period. If any premium remains be revised from time to time) + 2%].
unpaid at the end of its Grace Period, the Policy shall lapse and
have no further value except as may be provided under the Any evidence of insurability requested at the time of
Non-Forfeiture Section. If any death claim occurs during the reinstatement/revival will be based on the prevailing
grace period, any due premium (without interest) of the policy underwriting guidelines duly approved by the Board. The
for the policy year, in which the event has occurred will be reinstatement/revival will be based on the Board approved
deducted from the death claim pay out. underwriting policy.
Non-forfeiture Provisions Free Look Period
If the full premiums for the first two policy years are not paid for If you are not satisfied with the terms & conditions/ features of
Premium Payment Term of 5 years and three full year’s the policy, you have the right to cancel the Policy by providing
premiums have not been paid for Premium Payment Term of written notice to the Company stating objections/reasons and
10 years within the grace period, the policy shall lapse from the receive a refund of all premiums paid without interest after
due date of first unpaid premium and no benefits will be deducting a) Proportionate risk premium for the period on
payable. cover, b) Stamp duty and medical examination costs and c)
The policy will be converted into a Reduced Paid-up policy by any applicable taxes, cesses and levies, which have been
default, provided full premiums for the first two policy years are incurred for issuing the Policy. Such notice must be signed by
paid for Premium Payment Term of 5 years and three full year’s you and received directly by the Company within 15 days after
premiums have been paid for Premium Payment Term of 10 you receive the Policy Document. The said period of 15 days
years and subsequent premiums remain unpaid. shall stand extended to 30 days, if the policy is sourced
through distance marketing or electronic mode i.e. other than
Reduced Paid-up policy is a default non-forfeiture benefit. In in person.
case of Reduced Paid up policies, the benefits payable will be
as below: Policy Loan

On death of the life insured during the policy term; Policy Loan is available in Tata AIA Life Insurance Fortune
Guarantee provided that the policy acquires Surrender Value,
Sum Assured on death x (No. of premiums paid)/ (No. of you may apply for a policy loan for such an amount within the
premiums payable, during the entire policy term) extent of 65% of Surrender Value.
This total amount will be subject to a minimum of 105% of Total Interest rate applicable to Policy loan will be equal to the
Premiums Paid, as on the date of death. prevailing SBI (State Bank of India) domestic term deposit
interest rate for tenure ‘1 year to 455 days’ + 2%. The interest
Maturity benefit in case of reduced paid up policies: Maturity
Sum Assured

13 14
rate applicable as on 1st April 2018, is 8.40% p.a. [i.e. SBI 2. Any person making default in complying with the
interest rate of 6.40% (which rate may be revised from time to provisions of this section shall be liable for a penalty which
time) + 2%] compounded annually. This formula will be may extend to ten lakh rupees.
reviewed annually and can be altered only subject to prior
About Tata AIA Life
approval of IRDAI.
Exclusion Tata AIA Life Insurance Company Limited (Tata AIA Life) is a
joint venture company, formed by Tata Sons Ltd. and AIA
Suicide Group Ltd (AIA). Tata AIA Life combines Tata’s pre-eminent
In case of death due to suicide within 12 months from - leadership position in India and AIA’s presence as the largest,
a) Date of Inception of Policy, the nominee or beneficiary of independent listed pan-Asia life insurance group in the world
the Policyholder shall be entitled to at least 80% of the spanning 18 markets in Asia Pacific. Tata Sons holds a majority
Premiums paid, provided the Policy is in force; or stake (51 per cent) in the company and AIA holds 49 per cent
b) Date of revival of Policy, the nominee or beneficiary of the through an AIA International Limited. Tata AIA Life Insurance
Policyholder shall be entitled to an amount which is higher Company Limited was licensed to operate in India on February
of 80% of Premiums paid till date of death or Surrender 12, 2001 and started operations on April 1, 2001.
Value as available on the date of death. DISCLAIMER:
For exclusions on the rider benefits, please refer to the • The brochure is not a contract of insurance. The precise terms
respective supplementary contract. and conditions of this plan are specified in the policy contract
available on Tata AIA Life website.
Tax Benefits
• Buying a Life Insurance policy is a long-term commitment. An
Premiums paid under this plan are eligible for tax benefits
early termination of the policy usually involves high costs and the
under Section 80C of the Income Tax Act, 1961 and are
surrender value payable may be less than the total premium paid.
subject to modifications made thereto from time to time.
• This product brochure should be read along with Benefit
Income Tax benefits would be available as per the prevailing
Illustration.
income tax laws, subject to fulfillment of conditions stipulated
therein. Tata AIA Life Insurance Company Ltd. does not • This product is underwritten by Tata AIA Life Insurance Company
assume responsibility on tax implication mentioned anywhere Ltd. This plan is not a guaranteed issuance plan and it will be
in this document. Please consult your own tax consultant to subject to Company’s underwriting and acceptance.
know the tax benefits available to you. • Insurance cover is available under this product.
Assignment • Riders are not mandatory and are available for a nominal extra
cost. For more details on benefits, premiums and exclusions
Assignment allowed as per Section 38 of the Insurance Act
under the Rider(s), please contact Tata AIA Life's Insurance
1938 as amended from time to time.
Advisor/ Intermediary/ Branch.
Nomination • In case of non-standard lives and on submission of non-standard
Nomination allowed as per provisions of Section 39 of the age proof, extra premiums will be charged as per our underwriting
Insurance Act 1938 as amended from time to time. guidelines.
• Risk cover commences along with policy commencement for all
(Prohibition of Rebates) Section 41 - of the Insurance Act,
lives, including minor lives.
1938 and amended from time to time.
• Where the life assured is a female, the premium would be set
1. No person shall allow or offer to allow, either directly or
back by 3 years of male premium rate; i.e. premiums for females
indirectly, as an inducement to any person to take out or lives would be calculated using an age three years younger than
renew or continue an insurance in respect of any kind of risk male lives.
relating to lives or property in India, any rebate of the whole
or part of the commission payable or any rebate of the IRDAI is not involved in activities like selling
premium shown on the policy, nor shall any person taking BEWARE OF SPURIOUS/
insurance policies, announcing bonus or
out or renewing or continuing a policy accept any rebate, FRAUD PHONE CALLS!
investment of premiums. Public receiving
except such rebate as may be allowed in accordance with such phone calls are requested to lodge a
police complaint.
the published prospectuses or tables of the Insurer.

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
[email protected]. Visit us at: www.tataaia.com or SMS 'LIFE’ to 58888.
Unique Reference Number – L&C/Advt/2018/Oct/533 • UIN: 110N120V05