Documente Academic
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Documente Cultură
UIN: 110N120V05
Guarantee
of not only preserving investment but also
assuring returns upto
275%
Exclusive for Premium of 5 Lacs and above
A product like never
before in the industry…
Large Best in
Premium Class
Boost Returns
1 3 5
2 4 6
Life cover is 24.4X throughout the policy term Life cover of 26.1X throughout the policy term*
*Rounded to nearest value For training & internal circulation only.
`5 Lac
How the plan works? Age
PT‘
35 Years | Male
20 Years
Annual Premium
Basic Sum Assured `50 Lacs
In case of Survival PPT‘ 10 Years
Lumsump of
Year 1 10 11 20
+
Enhanced protection with rider
`1,22,00,00
Total Premium Paid `50,00,000 Total Benefit Received
0
‘PT – Policy Term, PPT – Premium Payment Term, BSA- Basic Sum Assured, AP – Annual Premium | * Premium is for Male, Standard life and is excluding applicable taxes cesses and levies | All premiums and interest payable under the
policy are exclusive of applicable taxes, duties, surcharge, cesses or levies which will be entirely borne/paid by the Policyholder, in addition to the payment of such premium or interest. Tata AIA Life shall have the right to claim, deduct,
adjust, recover the amount of any applicable tax or imposition, levied by the Government, from the benefits payable under the Policy.
Maturity Benefit Maturity Sum Assured is equal to maturity benefit factor multiplied by Total Premiums Paid, where
maturity benefit factor varies as per the gender, Policy Term, annualised premium band & entry age
Male PT- 20 Years PT- 21 Years Female PT- 20 Years PT- 21 Years
Entry Age/Annualised 5,00,000 to 10,00,000 & 5,00,000 to 10,00,000 & Entry Age/Annualised 5,00,000 to 10,00,000 & 5,00,000 to 10,00,000 &
Premium Band 9,99,999 above 9,99,999 above Premium Band 9,99,999 above 9,99,999 above
Year 1 3
“Basic Sum Assured” is 10 times of the Annualised Premium.
“Annualised Premium” shall be the premium paid in a year with respect to the
Basic Sum assured chosen by the policy holder, excluding the underwriting
Death benefit extra premiums and loading for modal premiums, if any.
“Total Premiums Paid" means amount equal to the total premiums paid during
the premium payment term of the policy. Such amount should be excluding
`1,22,00,000 interest, tax, underwriting extra premiums and loading for modal premiums, if
any.
“Maturity Sum Assured” refers to the absolute amount of benefit which is
Total premium paid `15,00,000 guaranteed to become payable on maturity of the policy.
‘PT – Policy Term, PPT – Premium Payment Term, BSA- Basic Sum Assured, AP – Annual Premium | * Premium is for Male, Standard life and is excluding applicable taxes cesses and levies | All premiums and interest payable under the
policy are exclusive of applicable taxes, duties, surcharge, cesses or levies which will be entirely borne/paid by the Policyholder, in addition to the payment of such premium or interest. Tata AIA Life shall have the right to claim, deduct,
adjust, recover the amount of any applicable tax or imposition, levied by the Government, from the benefits payable under the Policy.
Enhanced protection
Tata AIA Life Confidential Material For Training purposes & Internal Circulation Only 9
Flexibility of Additional Coverage
+
ADDL Rider * Term Rider WOPP Rider
Ensure your family stays financially protected with the An additional layer of protection to Ensure your wishes stay protected with the
Tata AIA Life Insurance Accidental Death and secure your loved ones’ future Tata AIA Life Insurance Waiver of Premium
Dismemberment (Long scale) (ADDL) Rider Tata AIA Life Insurance Term Rider Plus (WOPP) Rider
UIN: 110B028V01 UIN : 110B030V01 UIN: 110B029V01
Tata AIA Life Confidential Material For Training purposes & Internal Circulation Only 10
For training purposes and internal circulation only
Scenario
Mr. Ajay is a 40 year old professional working
for an MNC. He is clear that he will be retiring by
age of 60. Post his retirement he aspires to be
financially independent while also enjoying his
golden days
How the plan works? PT‘ 20 Years Basic Sum Assured `1 Crore
PPT‘ 10 Years
Lumsump of
Year 1 10 11 20
+
Enhanced protection with rider
How the plan works? PT‘ 21 Years Basic Sum Assured `1 Crore
PPT‘ 10 Years
Lumsump of
Year 1 10 11 21
+
Enhanced protection with rider
Pitch
You are Far-sighted and have made a wise decision
to plan for your Future. Tata AIA Life Insurance
Fortune Guarantee is one unique plan that helps
you build a healthy corpus. You will get a
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Other policy features
Policy Loan
• Policy Loan is available in this plan#
• Policyholders may apply for a policy loan within the extent of 65% of Surrender Value
• The Policy must be assigned to Tata AIA Life
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Non Forfeiture Benefit
• If the full premium for the first 2 policy years are not paid for PPT 5 years and first 3 policy years are not
paid for PPT 10 years within the grace period, the policy will lapse from the due date of first unpaid
premium and no benefits will be payable.
• The policy will be converted into a Paid-up policy by default, provided full premiums for the first 2 policy
years are paid for PPT 5 years and first 3 policy years are paid for PPT 10 years and subsequent premiums
remain unpaid.
• Reduced Paid up policy is a default non forfeiture benefit
Sum Assured on Death x (No. of premiums Maturity Benefit Factor x Total premiums
paid) / (No. of premiums payable, during the paid
entire policy term)
From the due date of First Unpaid Premium, but not later than 2 years from the due date of First
Unpaid Premium; the policy can be revived by payment of full arrears of premiums together with
interest.
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Tax Benefits
Premiums paid under this plan are eligible for tax benefits under Section 80C of the Income Tax Act, 1961 and are
subject to modifications made thereto from time to time. Moreover, life insurance proceeds enjoy tax benefits as per
Section 10(10D) of the said Act.
Tata AIA Life Confidential Material For Training purposes & Internal Circulation Only 17
Plan at a Glance
Minimum Entry Age 30 Days -For PT 20 Years and 21 Years
60 years (last birthday) For PT 20 Years
Maximum Entry Age
59 years (last birthday) For PT 21 Years
Maximum Maturity Age 80 years for PT 20 and 21 years
Backdating Allowed
Fortune Guarantee
consumers are Premier…
AndPremier needs to be
treated differently
Premier Circle - Differentiated Services
Special Service Team: Premier Process Unit (PPU)-
Overseas Medicals: Support on
PremierProcessUnit@tataaia.com to attend to
medicals offered at Singapore,
consumer requirements, service issues,
Hong Kong, Dubai and Malaysia
escalations etc.
Tata AIA Life Insurance Company Ltd. (IRDAI Regn. No. 110) CIN No. U66010MH2000PLC128403
Registered & Corporate Office: 14th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg, Lower Parel, Mumbai - 400013
For any information including cancellation, claims and complaints, please contact our Insurance Advisor 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 or SMS 'LIFE’ to 58888
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