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/2019/Apr/240 • UIN: 110N119V01
Tata AIA Life Insurance Money Back Plus Min entry age
(Age as on last birthday) 2 yrs
A Non Linked Participating Endowment Assurance Plan
Max entry age
We at Tata AIA Life understand how important it is to plan ahead 51 yrs
(Age as on last birthday)
for important occasions such as saving for your children's
education, developing their career, planning their wedding, Min maturity age 18 yrs
starting a business, a family vacation or even owning that dream Max maturity age 75 yrs
house. You work hard so that no financial constraint comes in Payment Mode Annual/Semi-Annual/Monthly
the way of the dreams and aspirations of your loved ones. True
happiness lies in receiving the fruits of your investments when Minimum Basic r 2,00,000
you need them the most. Keeping this need in mind, we present Sum Assured (in multiples of 1,000)
you a chance to experience the joy of securing your future needs Maximum Basic No limit but subject
with one decision. Sum Assured to financial underwriting
Presenting, Tata AIA Life Insurance Money Back Plus, a You may choose to pay your premiums in Annual, Semi-Annual
participating non linked money back Insurance plan, which caters
or Monthly mode as per your convenience.
to your need for guaranteed cash inflow at regular intervals along
with the protection of a life cover from uncertainties of life. This Note: In case of a minor life, risk commences from Date of
plan gives you the flexibility to choose from various term options Commencement of the policy
to suit your financial needs with the advantage of paying for only
half the term along with enhancement of your savings through Modal loading is as follows:
accumulation of Compound Reversionary Bonuses throughout Annual Premium Rate : No loading
the term.
Make the right start with "Tata AIA Life Insurance Money Semi-Annual Premium Rate : Multiply Annual Premium Rate
Back Plus" that will help you build a strong savings foundation by 0.51
with adequate financial protection so that you leave no stone Monthly Premium Rate : Multiply Annual Premium Rate
unturned to add colors to your dreams! by 0.0883
Key Features Increase / Decrease in Basic Sum Assured is not allowed.

• Survival payouts of upto 130% of Sum Assured1 at regular Large Sum Assured Discount
intervals throughout the term For those who opt for high Sum Assured; the Large Sum
• Life cover throughout the policy term regardless of the survival Assured Discount rates are as below:
payouts already paid Basic Sum Assured Discount per 1000 Basic
• Additional protection in case of Accidental death through (in R) Sum Assured (in R)
inbuilt Accident Benefit 2,00,000 - 3,49,000 Nil
• Limited premium payment equal to half the policy term 3,50,000 to 4,99,000 2.00
• Enhance your Savings through Compounded Reversionary 5,00,000 to 9,99,000 3.00
Bonus & Terminal Bonus 10,00,000 and above 5.00
• Lumpsum Maturity addition to meet your needs
How does the plan work?
• Tax benefits u/s 80C & 10(10D) of the Income-Tax
Act, 1961 • Choose the Plan Option that suits your need
1
For more details on benefits, please refer 'What are your benefits?' section • Choose the Basic Sum Assured as per your need
and requirement
Eligibility Criteria
• Choose the Policy Term as per your goal
Plan Options Option 1 Option 2 Option 3
• Your premium will be calculated basis Age, Policy Term,
Policy Term 16 yrs 20 yrs 24 yrs
Basic Sum Assured, Premium Payment Mode chosen
Premium Payment Term 8 yrs 10 yrs 12 yrs

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How this plan works (Example If you choose Option 1 Maturity Benefit
Policy Term of 16 years with Premium Payment Term of On maturity (at the end of policy term), Guaranteed Sum
8 years): Assured on maturity along with vested Compound
Lumpsum Payout of
Reversionary Bonus and Terminal Bonus, if any, is payable.
You pay Premiums for 50% of Sum Assured
half the term (8 years) PLUS Vested Compound
Where, the "Guaranteed Sum Assured on maturity" shall be
Reversionary Bonus defined as a percentage of the Basic Sum Assured,
PLUS Terminal Bonus
depending on the option chosen, as provided below:
Commencement Maturity
• Option 1: 50% of the Basic Sum Assured
• Option 2: 60% of the Basic Sum Assured
Guaranteed Survival Payouts of
• Option 3: 70% of the Basic Sum Assured
20% of Sum Assured at the
end of 4th / 8th and 12th year
^The Maturity Benefit is illustrated in the above table.

Bonus
Compounded Reversionary • Compound Reversionary Bonus (CRB)
Bonus accrues throughout the
Policy Term - It will accrue every year starting from the 1st policy anniversary
provided the policy is in force
What are your benefits? - Accrued CRB will be payable on death or maturity
or Surrender
You are eligible for the following benefits under this product
provided the policy is in force and all due premiums have - Compound Reversionary Bonus will be declared by the
been paid: company annually and credited on policy anniversary
Survival Benefit • Terminal Bonus
This plan provides you with regular payouts as percentage of - Terminal Bonus will be a percentage of the vested
the Basic Sum Assured (BSA) at equal intervals depending on Compound Reversionary Bonus
the policy term chosen. The table below illustrates the regular - It will be payable on death, if the policy is in force for 10
payouts paid at specific frequencies subject to all the due years, or on maturity
premiums paid:
Death Benefit
Plan Survival Benefit as a % of Basic Sum Assured In case of unfortunate event of the death of the insured; Sum
Options/ Option1 Option 2 Option 3 Assured on death plus vested Compound Reversionary
End of Bonus and Terminal Bonus, if any, will be payable. This total
PPT:8 yrs; PPT: 10yrs; PPT: 12yrs; amount will be subject to a minimum of 105% of Total
Policy PT: 16 yrs PT: 20 yrs PT: 24 yrs Premiums Paid, as on the date of death.
year
4 20% Where, "Sum Assured on death' shall be the higher of
the following:
5 20%
• 10 times Annualised Premium
6 20%
• Basic Sum Assured
8 20% The above Death Benefit will be payable irrespective of the
10 20% Regular Payouts (survival benefits) already paid.
12 20% 20% Accidental Death Benefit:
15 20% We will pay an additional amount equal to the Basic Sum Assured
in case of unfortunate death due to accident2. This benefit is
50%+Vested applicable only for entry age of 18 years or more.
16 Bonus^
2
Definition of Accident: An accident is a sudden, unforeseen and
18 20% involuntary event caused by external visible and violent means.
20 60%+ Vested The Policy will terminate upon death of the insured and no
Bonus^
other benefit under the policy shall be payable.
24 70%+ Vested "Annualised Premium" shall be the premium paid in a year
Bonus^
with respect to the basic sum assured chosen by the policy
Total 110% 120% 130% holder, excluding the underwriting extra premiums and
Benefit loading for modal premiums, if any.

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"Total Premiums Paid" means amount equal to the total "Total Guaranteed Benefits Payable under the plan" = 60% of
premiums paid during the premium payment term of the policy. Basic Sum Assured + Guaranteed Sum Assured on maturity
Such amount should be excluding interest, tax, underwriting
The Special Surrender Value Factors vary according to the
extra premiums and loading for modal premiums, if any.
policy term and policy year of surrender.
Benefit Illustration: Company has the right to review the basis for calculating these
Following are the benefits payable at the given ages for policy factors from time to time based on the experience and will be
term 20 years and premium payment term 10 years for a subject to prior approval of IRDA of India.
healthy life and for standard age proof:- 5
For Guaranteed Surrender Value Factors and Special Surrender Value
Factors, please refer to the policy contract.
All amount in Rupees
Benefits @ 4% Benefits @ 8%
Age of
Basic Total
the Annual Compound Terminal Maturity Compound Terminal Maturity
Sum Survival
insured Premium3 Reversionary Bonus Benefit 4 Reversionary Bonus Benefit 4
Assured Benefit
(years) Bonus Bonus
35 5,00,000 59,110 3,00,000 1,28,475 83,509 5,11,984 3,35,444 2,18,038 8,53,482
35 10,00,000 1,16,220 6,00,000 2,56,949 1,67,017 10,23,966 6,70,888 4,36,077 17,06,965
Some benefits are guaranteed and some benefits are non-guaranteed with taxes, cesses & levies which will entirely be borne by the Policyholder and
returns based on the future performance of your life insurance company will always be paid by the Policyholder along with the payment of Premium.
(Tata AIA Life). If your policy offers guaranteed returns then these will be If any imposition (tax or otherwise) is levied by any statutory or
clearly marked as "guaranteed" in the illustration table on this page. If your administrative body under the Policy, Tata AIA Life Insurance Company
policy offers non-guaranteed returns then illustration will have pages that Limited reserves the right to claim the same from the Policyholder.
will show two different rates of assumed future investment returns and Alternatively, Tata AIA Life Insurance Company Limited has the right to
corresponding bonus rate. The above bonus illustration (if any) has been deduct the amount from the benefits payable by Us under the Policy. Kindly
determined using assumed future investment returns of 8% and 4% refer the sales illustration for the exact premium. In case of unfortunate
respectively. The rates used have been set by the Life Insurance Council. death of the insured, Death Benefit as defined under 'What are your
These assumed rates of return are not guaranteed and there are no upper Benefits' will be payable. In case of an unfortunate death due to accident,
and lower limits of what you might get back at maturity, due to the fact that your nominee will get an additional amount equal to the Basic Sum Assured
the value of your policy is dependent on a number of factors including future along with the Death Benefit mentioned in 'What are your Benefits?'
investment performance. 3The premium mentioned is exclusive of 4
provided all due premiums have been paid.
applicable taxes, cesses & levies. All Premiums are subject to applicable

Other plan features/ Terms and Conditions Grace Period

If you are unable to pay your Premium on time, starting from
Surrender
the premium pay-to-date, a grace period of 15 days for
The policy can be surrendered any time during the term of the monthly mode and 30 days for all other modes will be offered.
policy, provided at least first full year's premium has been paid. During this period your policy is considered to be in force with
The surrender value payable is higher of the Guaranteed the risk cover as per the terms & conditions of the policy. If any
Surrender Value (GSV) or Special Surrender Value (SSV). premium remains unpaid at the end of its Grace Period, the
The minimum guaranteed surrender value shall be the sum of Policy shall lapse and have no further value except as may be
Guaranteed Surrender Value and the surrender value of any provided under the Non-Forfeiture Section. If any claim occurs
subsisting bonus, as applicable, already vested to the policy. It during the grace period, any due premiums of the policy, which
is defined as a percentage of the "Total Premiums Paid". The are not paid as on date of death, will be deducted from the
percentage payable, i.e. the Guaranteed Surrender Value Factor, death claim payout.
varies according to the policy term and the policy year of surrender. Non-forfeiture Provisions
Guaranteed Surrender Value = (Total Premiums Paid x GSV If the full premium for the first policy year is not paid within the
factor for premium5) - Survival Benefit already paid, if any + grace period, the policy will lapse from the due date of first
(Vested Compound Reversionary Bonus x GSV factor for unpaid premium and no benefits will be payable.
Vested Compound Reversionary Bonus5) The policy will be converted into a Reduced Paid-up policy by
The Special Surrender Value (SSV) will be calculated as follows: default, provided full premium for at least first policy year is paid
and subsequent premiums remain unpaid.
Special Surrender Value Factor5 x [(No of Premiums paid) / (No
of Premiums Payable during the entire policy term) x (Total Reduced Paid up policy is a default non forfeiture benefit. Such
Guaranteed Benefits Payable under the plan) - Survival Benefits reduced paid up policies can be revived within two years from
already paid, if any + Vested Compounded Reversionary Bonuses] the due date of first unpaid premium by payment of all due
premiums together with interest.
Where,
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Once Policy becomes reduced paid up and is not revived till Company within 15 days after you receive the Policy Document.
the end of the revival period, it will continue to be in reduced The said period of 15 days shall stand extended to 30 days, if
paid-up status. the policy is sourced through distance marketing mode, which
Once the policy becomes reduced paid up, the policy shall not includes every activity of solicitation (lead generation) and sale
be entitled to any further Survival Benefits, Compound of insurance products through voice mode, SMS, electronic
Reversionary Bonuses and Terminal Bonuses. mode, physical mode (like postal mail) or any other means of
In case of Reduced Paid up policies, the benefits payable will communication other than in person.
be as under: Policy Loan
Death Benefit: On death of the life insured during the Policy Loan is available in Tata AIA Life Insurance Money Back
policy term, Plus provided that the policy acquires Surrender Value. You
Sum Assured on death x (No of premiums paid)/ (No of may apply for a policy loan for such an amount within the
premiums payable, during the entire policy term) along with extent of 65% of Surrender Value.
Vested Compound Reversionary Bonus will be paid.
Interest rate applicable to policy loan will be equal to the
This total amount will be subject to a minimum of 105% of Total prevailing SBI (State Bank of India) deposit interest rate for
Premiums Paid, as on the date of death. tenure ‘1 year to less than 2 years’ + 2% and will be reviewed
An additional amount equal to the Reduced Paid up Sum semi-annually. The current rate of interest is 11%.
Assured along with the death benefit mentioned above will be
paid in case of unfortunate death due to accident. Exclusion
Where, Reduced Paid up Sum Assured is equal to Basic Sum In case of death due to suicide by the Insured, whether sane or
Assured x (No of premiums paid)/ (No of premiums payable, insane, within 12 months from the date of commencement, the
during the entire policy term) nominee shall be entitled to “Total Premiums Paid”, provided
Maturity Benefit: the Policy is in force. In case of death due to suicide by the
Insured, whether sane or insane, within 12 months from the
Total Guaranteed Benefits Payable under the plan x (No of
date of reinstatement or revival, the nominee shall be entitled to
premiums paid)/ (No of premiums payable during the entire
higher of “Total Premiums Paid” or the acquired surrender
policy term) less Survival Benefits already paid along with
vested Compound Reversionary Bonus will be paid. value as on the date of death, provided the Policy is in force.
Where, "Total Guaranteed Benefits Payable under the plan" Exclusions for Accidental Death Benefit:
= 60% of Basic Sum Assured + Guaranteed Sum Assured No benefit shall be payable for any death caused directly or
on maturity indirectly, wholly or partly, by any one of the following occurrences:
Reinstatement / Revival a. Committing an assault, a criminal offence, an illegal activity
If a premium is in default beyond the Grace Period and subject or any breach of law with criminal intent only.
to the Policy not having been surrendered, you may b. Service in the armed forces in time of declared or undeclared
reinstate/revive the same in accordance with prevailing
war or while under orders for warlike operations or
underwriting guidelines duly approved by the Board, within two
restoration of public order;
years after the due date of the first unpaid premium and before
the date of maturity. However, the Company would require: a) c. Self-destruction or any attempted self-destruction or
A written application from you for reinstatement/revival; b) self-inflicted injury while sane or insane;
Current health certificate of insured and other evidence of d. Engaging in or taking part in professional sport(s) or any
insurability satisfactory to the Company; c) Payment of all hazardous pursuits, including but not limited to, diving or
overdue premiums with interest; d) Repayment or reinstatement riding or any kind of race; underwater activities involving the
of any Indebtedness outstanding at the due date of the
use of breathing apparatus or not; martial arts; hunting;
premium at default plus interest.
mountaineering; parachuting; bungee jumping; scuba diving
Any reinstatement/revival shall only cover loss or insured event
which occurs after the reinstatement date. e. Accident occurring while or because the Insured is under
the influence of alcohol or any non-prescribed drug;
Free Look Period
f. Participation by the insured person in any flying activity,
If you are not satisfied with the terms & conditions/ features of except as a bona fide, fare-paying passenger of a recognized
the policy, you have the right to cancel the Policy by providing airline on regular routes and on a scheduled timetable;
written notice to the Company and receive a refund of all
premiums paid without interest after deducting a) Proportionate g. Nuclear Contamination; the radio-active, explosive or
risk premium for the period on cover, b) Stamp duty and medical hazardous nature of nuclear fuel materials or property
examination costs which have been incurred for issuing the Policy. contaminated by nuclear fuel materials or accident arising
Such notice must be signed by you and received directly by the from such nature.

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Tax Benefits • This product brochure should be read along with sales Illustration.
Premiums paid under this plan are eligible for tax benefits • This product is underwritten by Tata AIA Life Insurance
under Section 80C of the Income Tax Act, 1961 and are Company Ltd. This plan is not a guaranteed issuance plan
subject to modifications made thereto from time to time. and it will be subject to Company's underwriting and acceptance.
Moreover, life insurance proceeds enjoy tax benefits as per • Insurance cover is available under this product.
Section 10(10D) of the said Act.
Income Tax benefits would be available as per the prevailing
income tax laws, subject to fulfillment of conditions stipulated
therein. 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.
Assignment
Assignment allowed as per Section 38 of the Insurance
Act 1938 as amended from time to time.
Nominee
Nomination allowed as per provisions of Section 39 of
the Insurance Act 1938 as amended from time to time.
(Prohibition of Rebates) Section 41 - of the Insurance Act,
1938 as amended from time to time.
1. No person shall allow or offer to allow, either directly or
indirectly, as an inducement to any person to take out or
renew or continue an insurance in respect of any kind of risk
relating to lives or property in India, any rebate of the whole
or part of the commission payable or any rebate of the
premium shown on the policy, nor shall any person taking
out or renewing or continuing a policy accept any rebate,
except such rebate as may be allowed in accordance with
the published prospectuses or tables of the insurer.
2. Any person making default in complying with the
provisions of this section shall be liable for a penalty which
may extend to ten lakh rupees.
About Tata AIA Life
Tata AIA Life Insurance Company Limited (Tata AIA Life) is a
joint venture company, formed by Tata Sons Ltd. and AIA
Group Ltd (AIA). Tata AIA Life combines Tata’s pre-eminent
leadership position in India and AIA’s presence as the largest,
independent listed pan-Asia life insurance group in the world
spanning 18 markets in Asia Pacific. Tata Sons holds a majority
stake (51 per cent) in the company and AIA holds 49 per cent
through an AIA International Limited. Tata AIA Life Insurance
Company Limited was licensed to operate in India on February
12, 2001 and started operations on April 1, 2001.
Disclaimer
• The brochure is not a contract of insurance. The precise
terms and conditions of this plan are specified in the policy
contract available on Tata AIA Life website.
• Buying a Life Insurance policy is a long-term commitment. An
early termination of the policy usually involves high costs and BEWARE OF IRDAI is not involved in activities like selling insurance
the surrender value payable may be less than the total SPURIOUS/ policies, announcing bonus or investment of
premium paid. FRAUD PHONE premiums. Public receiving such phone calls are
CALLS! requested to lodge a police complaint.

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