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Tata AIA Life Insurance plans

Tata AIA Life Guaranteed Return Investment Insurance

Advantages of Tata AIA Guaranteed Return Investment Insurance

  • No Payout Gap – Income starts immediately after the Premium Paying Term
  • Higher IRR and Income %
  • Leverage the age criteria 45 to 49 & 61 to 65
  • Monthly Income Option
  • Joint Life Option
  • Single Pay Option
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Tata AIA Life insurance review

Tata AIA Life Insurance plans
Distribution - Number of branches pan India (March 2019)
222
Entry Age Minimum/Maximum (Years) - Term Plans
18/70
Sum Assured Minimum / Maximum - Term Plans
50 lacs / Unlimited
Policy Term Minimum / Maximum (Years) - Terms Plans
10/40
Solvency Ratio (FY 2018-19) *
2.60
Number of Policies Sold (Ind+Group) *
478,182
Number of Lives Covered (Ind+Group) **
927,653
Claims Settlement Ratio (Ind+Group) ***
99.22%
* - As per IRDAI data 2018-19 - The solvency ratio of an insurance company is the size of its capital relative to all the risk it has taken, which is all liabilities subtracted from total assets. In other words, solvency is a measurement of how much the company has in assets versus how much it owes
** - as per L-25 Public Disclosure of Insurance Companies for 2019-20  |  *** - Claims Settlement Ratio = Claims Settled in the year / Claims Reported in the year - as per IRDAI data published

Tata AIA Guaranteed Return Investment Insurance

  • Key Benefits
  • Eligibility
  • Exclusion

Key benefits of Tata AIA Life Guaranteed Return Investment Insurance

  • Guaranteed Returns upto 2.31 times of premium
  • Guaranteed Additions @ 5% p.a.
  • Insurance Protection from day one
  • Increasing Life cover
  • Limited premium payment term
  • Additional protection with optional riders - WOPP
  • Tax benefits under Section 80C and 10(10D), as per applicable tax laws

Eligibility criteria of Tata AIA Life Guaranteed Return Investment Insurance

Plan Parameters Criteria
Minimum Entry Age 8 years 6 years 0 years
Maximun Entry Age 60 years 60 years 55 years
Maximum Age at Maturity 70 years 72 years 75 years
Premium Payment Term 5 years 6 years 10 years
Policy Term 10 years 12 years 20 years
Death Benefit Multiple Up to Age 55 10 to 23.50 of AP (Age dependent)
Death Benefit Multiple above Age 55 9 to 9.80 of AP (Age dependent) NA
Minimum Annualized Premium (Rs.) 50,000
Maximum Annualized Premium No limit, subject to board approved underwriting policy
Premium Payment mode Annual/ Half Yearly/ Quarterly/ Monthly
Optional Riders WOPP Rider

Exclusion of Tata AIA Life Guaranteed Return Insurance

In case of death due to suicide within 12 months from the date of commencement of risk under the policy or from the date of revival of the policy, as applicable, the nominee or beneficiary of the policy holder shall be entitled to at least 80% of the total premiums paid till the date of death or the surrender value available as on the date of death whichever is higher, provided the policy is in force.

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    InstantCover Insurance Web Aggregator Private limited
    710, 6th B Cross, 16th Main Road, Koramangala 3rd Block, Bangalore - 560 034.

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025