customer

first

energity integrity

performance passion

people

Vision & Purpose

Our Vision

To be India's most preferred General Insurance Company.

Our Purpose

To create unmatched value for our customers, employees, business partners and shareholders by delivering
remarkable service that is consistent, fair and transparent.

Our Values
Our values represent the core, shared beliefs that guide how we act and work together to achieve our goals. We share
a set of 6 core values: Customer First, People, Passion, Performance, Integrity and Empathy.

 Customer First: Anticipate their priorities. Exceed their expectations.

 
 Integrity: We must conduct our business fairly, with honesty and transparency. Everything we do must stand
the test of public scrutiny.
 
 People: We must work cohesively with our colleagues across the Group and with our customers and partners
around the world, building strong relationships based on tolerance, understanding and mutual cooperation.
Strive to develop diverse talent and reward excellence.
 
 Performance: We must constantly strive to achieve the highest possible standards in our day-to-day work and
in the quality of the goods and services we provide.
 
 Passion: We must be excited about what we do. We must have a strong internalized drive to meet goals.
Relentless determination to solve customer problems.
 
  Respect: We must be caring, show respect, compassion and humanity for our colleagues and customers
around the world, and always work for the benefit of the communities we serve.

Careers at Tata AIG

Tata AIG General Insurance Company, which started its operations in India on January 22, 2001 offers the complete
range of insurance for automobile, home, personal accident, travel, energy, marine, property and casualty, as well as
several specialized financial lines.

Tata AIG offers exciting opportunities to learn, contribute and build careers. As a leading name in the fast-paced
insurance industry, we are constantly growing and are always in search of bright talent across all levels. The company's
philosophy is strongly oriented to developing talent through larger and more enriching assignments. We recognize
potential and consistent performance - fast!

Typically, career options with us span core functions such as:

 Sales & Distribution

 Customer Service
 Branch and Centralized Operations
 Underwriting & Actuarial Functions
 Claims
 IT
 Marketing & Communications
 Finance & Accounts / Legal
 Human Resources and Training & Development

Tata AIG Life InvestAssure Superstar

As a parent, you shower many blessings on your children, including planning for a
good education, savings for marriage, or setting up a business.

While no one can foresee the future, it’s clear that without you and without the
financial contribution you make, your child’s future can be at a risk. Fortunately,
there is something you can do today to help protect that future. Everyone wants
the best for the little loved ones in their lives - from keeping them healthy and
happy, to providing for their secure financial future.

Give your children the protection they deserve with Tata AIG Life InvestAssure
Superstar - a non- participating unit linked endowment plan with an inbuilt Waiver
of Premium (WOP) benefit.

Key features include: 

 Sum Assured is paid to the nominee on death of insured, but policy benefits continue till Policy
Term
 Option to choose any one of the following Waiver of Premium (WoP) benefits in case of death
or total permanent disability of the insured.

 Family Guard - We will pay 100% of the future premiums into your policy as if the
policy is on monthly mode (OR)
 Family Advantage - We will pay 50% of future premiums into your fund as if the policy
is on monthly mode and 50% to the policyholder/nominee as if the policy is on
 monthly mode
 Maturity Bonus* of up to 4% of Regular Premium Fund Value
 Option to save under Systematic Money Allocation & Regular Transfer Investment (SMART)
 Flexible policy term 10 - 25 years
 Flexible premium paying term 5, 10 - 25 years Option to choose between the following fund
types – Top 50 Fund, Top 200 Fund, Super Select Equity Fund, Aggressive Flexi Fund, Stable
Flexi Fund, Large Cap Equity Fund, Bond Fund & Super 110% Capital Guarantee Fund#
 Option to choose between the following fund types – Top 50 Fund, Top 200 Fund, Super Select
Equity Fund, Aggressive Flexi Fund, Stable Flexi Fund, Large Cap Equity Fund, Bond Fund &
Super 110% Capital Guarantee Fund#

* Subject to all due premiums paid and WoP benefit not being triggered anytime during the premium
paying term. 

#Super 110% Capital Guarantee Fund is available only for the policies with premium paying term
greater than or equal to 20 years & for issue age less than or equal to 45 years at issue & for a sum
assured less than or equal to 20 times of Annualised premium.

Eligibility

Features
  Minimum/Maximum Issue Age   18 / 55 yrs
  Maximum Maturity Age   65 Years
  Minimum Premium   

Premium Paying Term

  
Mode 5 10 – 25
Annual 48,000 20,000
Semi
24,000 12,000
Annual
Quarterly 12,000 6,000
Monthly 4000 2,000
Premium Mode Annual/Semi-annual / Quarterly / Monthly
Premium Payment Period  Regular/Limited
Minimum Sum Assured  5 times Annualised Premium
Maximum Sum Assured  Policy Term * Annualised premium
 

Riders 

The following riders can be taken at a nominal additional cost - Tata AIG Life Critical Illness Lumpsum
Benefit Rider (UIN: 110C012V01), Tata AIG Life Accidental Death Benefit Rider (UIN:110C003V01) OR
Tata AIG Life Accidental Death & Dismemberment Benefit (Long Scale) Rider (UIN: 110C004V01)

Tax Benefits: 

Premiums paid under this plan are eligible for tax benefits under section 80C of the Income Tax Act,
1961. Premium paid towards Tata AIG Life Critical Illness Lumpsum Benefit Rider is eligible for tax
benefit U/s 80D of the said Act. Moreover, life insurance proceeds enjoy tax benefits as per section
10(10D) of the said Act. # 

# 
Tax benefits are as per Income Tax Act, 1961, and are subject to modifications made thereto from
time to time. Kindly consult your tax expert for the exact section applicable to you.

Tata AIG Life United Ujjwal Bhawishya Plus

As a parent, you would like to give your child the best that life has to
offer. With every important step that your child takes, you would want
to fulfill all the dreams of your child. However with the rising cost, it is
crucial to start saving for your child’s bright future, NOW!!!

Presenting Tata AIG Life United Ujjwal Bhawishya Plus, a non

participating unit linked endowment plan which provides you the
assurance to realize your child’s dreams.

IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO

IS BORNE BY THE POLICY HOLDER. 

Key features include: 

 Waiver of future regular premiums in case of death or total permanent disability of the life
insured
 Sum Assured paid to the nominee on death of insured, but policy benefits continue till Policy
Term
 Guaranteed Maturity Addition* up-to 9% of Regular Premium Fund Value
 Choose from any of the eight Fund Options: Whole Life Mid-Cap Equity Fund, Whole Life
Aggressive Growth Fund, Whole Life Stable Growth Fund, Whole Life Income Fund, Whole
Life Short-Term Fixed Income Fund, Large Cap Equity Fund, Super 110% Capital Guarantee
Fund & Super Select Equity Fund
 Choose from 4 available riders i.e. Tata AIG Life Family Income Benefit Rider (UIN
110A019V01), Tata AIG Life Accidental Death Benefit Rider (UIN 110C003V01), Tata AIG
Life Accidental Death & Dismemberment Benefit (Long Scale) Rider (UIN 110C004V01) &
Tata AIG Life Critical Illness Lump Sum Benefit Rider (UIN 110C012V01). These riders are
not mandatory and are available at a nominal additional cost

*Guaranteed Maturity Addition will be paid subject to all due premiums being paid and Waiver of
Premium (WoP) benefit not being triggered anytime during the premium paying term

Eligibility:

Features
Minimum/Maximum Issue Age 18 years/55 years
Maximum Maturity Age 65 years
Policy Term 10 years & 15-25 years
Minimum Premium for annual mode Rs.15,000 p.a.
Minimum Premium for Monthly, Rs.24,000 p.a.
Quarterly &  Semi-Annual Mode
Minimum Sum Assured 5 * Annualized Premium
Maximum Sum Assured Policy Term* Annualized
Premium
Premium Mode Annual/Semi-
Annual/Quarterly/Monthly
Premium Paying Period Regular
 

Super 110% Capital Guarantee Fund is available only for the policies with premium paying term
greater than or equal to 20 years & for issue age less than or equal to 45 years & for a Basic Sum
Assured less than or equal to 10 times Annualized premium.

Tax Benefits

 Premiums paid under this plan are eligible for tax benefits under Section 80C of the Income
Tax Act, 1961. Any sum received under this plan is exempt from tax under section 10(10D)
 of the Income Tax Act, 1961.*

Tata AIG Life Assure Career Builder

Tata AIG Life Assure Career Builder(Assure Career Builder) is a juvenile
insurance product designed to provide your children with the financial
support they’ll need at important junctures in their life. 

Key features include:

 Lump sum payments at various stages of your child’s life: 20% of sum assured on your
child’s 18th birthday, 20% on his/her 21st birthday, 20% on his/her 24th birthday and the
remaining 40% when the policy matures on your child’s 27th birthday.
 Periodic payments against the policy do not affect the full payment of the sum assured in
case of the insured’s death.
 A guaranteed addition of 10% of the sum assured to be paid at the time of maturity or death
(policy must be in force for a minimum 10 years).
 A compound reversionary bonus, as declared by the Company, is credited to the policy on
the policy anniversary.
 A terminal bonus payable on death or maturity (policy must be in force for a minimum 10
years).

Tax Benefits, Riders and Age Eligibility

 Compound reversionary bonus and terminal bonus are non-guaranteed and depend on the
performance of the Company.
 Assure Career Builder is supported by a money-back guarantee. If you change your mind,
simply return the policy document within 15 days of receipt and your premiums will be
refunded (minus a nominal deduction to cover administrative charges).
 Premiums paid under this plan are eligible for tax benefits under Section 80C of the Income
Tax Act, 1961. Any sum received under this plan is exempt from tax under section 10(10D)
of the Income Tax Act, 1961.*
 You can attach the Payor Benefit Rider at a nominal extra cost, which waives all future
payments for this policy in the event of your unfortunate death or disability.
 Minimum entry age is 0 years, with a maximum of 15 years. The policy matures at age 27.

Tata AIG Life Assure Educare at 18 & Tata AIG

Life Assure Educare at 21
This is a first-of-its-kind juvenile endowment policy geared toward
funding your child’s education. You can choose between Tata AIG Life
Assure Educare 18(Assure Educare 18) and Tata AIG Life Assure
Educare 21(Assure Educare 21), depending on your needs:
  Assure Educare 18: This plan matures when your child turns
18 and is open to children between 0 years and 8 years of age.

 Assure Educare 21: This plan matures when your child turns 21, and is open to children
between 0 years and 11 years of age.

Key features of both of these plans include:

 A guaranteed payment of 10% of the sum assured at maturity or on death (policy must be in
force for a minimum 10 years).
 An additional guaranteed education benefit of 20% of sum assured, payable to you at
maturity.
 A non-guaranteed compounded annual bonus credited on the policy anniversary (depending
on Company performance).
 A terminal bonus which is payable on death or maturity (policy must be in force for a
minimum 10 years).
 Free Look Period - A money-back guarantee, which allows you to return the policy within 15
days of receipt for a full refund (minus nominal administrative charges).
 Sum Assured is payable on death or on maturity.

Tax Benefits, Riders and Age Eligibility

 Premiums paid under this plan are eligible for tax benefits under Section 80C of the Income
Tax Act, 1961. Any sum received under this plan is exempt from tax under section 10(10D)
of the Income Tax Act, 1961.*
 A Payor Benefit Rider is available which waives all future payments for this policy in the
event of your death or disability, at a nominal extra cost.
 Assure Educare 18 is open to children between 0 years and 8 years of age, while Assure
Educare 21 is open to children between 0 years and 11 years of age.

Tata AIG Life Assure 21 years

Money Saver
This savings plan gives you the cash
payments at specified intervals to fund your
family’s needs at critical milestones or support
your financial obligations. You get the dual
benefits of life insurance coverage plus the
flexibility of periodic payments. 

Key features include: 

 10% of the sum assured is paid on survival on the 3rd /6th /9th /12th /15th and 18th
policy anniversaries.
 40% of the sum assured will be paid on maturity (i.e. on the 21st anniversary of this
policy).
 The entire sum assured is distributed to your beneficiaries, irrespective of cash payments
already made, in the unfortunate event of your death before the end of the policy’s term.
 A 10% Guaranteed Addition is payable on death or maturity, if the policy has been inforce
for 10 years.
 A reversionary and terminal bonus payable on death or maturity. Terminal bonus is
available only if policy is in force for more than 10 years.
 Bonuses are paid depending on performance of the company.

Tax Benefits, Riders and Age Eligibility

  Premiums paid under this plan are eligible for tax benefits under Section 80C of the Income
Tax Act, 1961. Any sum received under this plan is exempt from tax under section 10(10D)
of the Income Tax Act, 1961.*
 Term, Critical Illness, Accident and Disability riders are available for added protection at a
nominal extra cost.
 Minimum age to qualify for this product is 30 days. Maximum age limit is 55 years.
 For juveniles only Payor benefit rider is available.

Tata AIG Life MahaLife Gold

This unique policy is an ideal planning vehicle to fund your
retirement. It provides a steady income and insurance
coverage for life. Premiums are payable only for the first 15
years, and can be used to cover the future expenses of your
children. 

Key features include: 

 A guaranteed annual coupon of 5% of the sum assured every year for the rest of the
insured’s term from the 10th policy anniversary.
 Yearly cash dividends are available from the 6th policy anniversary onwards (depending on
Company performance).
 The entire sum assured is paid tax-free as per current Income Tax Laws.

Tax Benefits, Riders and Age Eligibility

 The guaranteed 5% coupon and non-guaranteed cash dividends are tax free as per current
Income Tax Laws.
 Premiums paid under this plan are eligible for tax benefits under Section 80C of the Income
Tax Act, 1961. Any sum received under this plan is exempt from tax under section 10(10D)
of the Income Tax Act, 1961.*
 Disability, Accident, Term and Critical Illness riders are available for added protection at a
nominal extra cost. (For juveniles, only Payor Benefit Rider is available).
 Policy available for persons between 0 years and 60 years of age.

Tata AIG Life Starkid

Do you want your child to get the best? A professional education could
cost around Rs. 10 lakhs. Marriage expenses could also cost another Rs.
12 lakhs. Have you saved enough to cover these costs?

Star Kid is an exceptional Child Endowment Policy that will ensure that
you can afford to give your child everything he needs. 

Key features include: 

 Your child will receive cash benefits to the equivalent of 20% of the sum assured at the age
of 18, 19, 20, 21 & 22.
 Flexible and affordable premiums, which can be paid annually, semi-annually, quarterly, or
even monthly.
 No medical examination of your child is needed.
 Free Look Period - A money-back guarantee, which allows you to return the policy within 15
days of receipt for a full refund (minus nominal administrative charges).
 Tax Benefits, Riders and Age Eligibility

 Premiums paid under this plan are eligible for tax benefits under Section 80C of the Income
Tax Act, 1961. Any sum received under this plan is exempt from tax under section 10(10D)
of the Income Tax Act, 1961.*
 Inbuilt Payor Benefit rider: In the event of Payor’s death or disability the policy pays out
following benefits:

 During the premium paying period: All future premiums are waived off.
 After the premium paying period: 50% of Sum Assured is paid to the nominee of
the policy.

Tata AIG Life Assure One year/ Five Years/10

Years/ 15 Years / 20 Years / 25 Years Lifeline
Plans, and Term to age 60 known as Assure
Lifeline to Age 60
If you are looking for high coverage at an affordable cost, this policy is
for you. Your family can maintain their current lifestyle, even if
something happens to you. 

Key features include: 

 Coverage is available for 1, 5, 10, 15, 20 and 25 years or until age 60.
 Term plans can be converted into any of our select savings plans, at attained age premium
rates.

Tax Benefits, Riders and Age Eligibility

 Premiums paid under this plan are eligible for tax benefits under Section 80C of the Income
Tax Act, 1961. Any sum received under this plan is exempt from tax under section 10(10D)
of the Income Tax Act, 1961.*
 Policy is available to persons between the ages of 18 and 60 years and varies based on the
term of the policy.

Tata AIG Life

Assure 10 Years / 20
Years / 30 Years
Security & Growth
Plans
This endowment policy
enables your dependants to
receive the sum assured in
the unfortunate event of your
death while this policy is still
in force. If you should outlive
the policy term, you will still
receive the sum assured,
along with a range of
bonuses. This plan is ideal as
a retirement planning tool. 
 Key features include: 

 A guaranteed addition of 10% of the sum assured if the policy has

been in force for 10 years or more, is payable on death or maturity.
 A reversionary bonus is payable on death or maturity.
 A Terminal bonus paid on maturity or death if the policy has been in
force for a minimum 10 years.
 Reversionary and Terminal bonuses are non-guaranteed and are
dependent on Company performance.

Tax Benefits, Riders and Age Eligibility

 Premiums paid under this plan are eligible for tax benefits under
Section 80C of the Income Tax Act, 1961. Any sum received under
this plan is exempt from tax under section 10(10D) of the Income
Tax Act, 1961.*
 Term, Accident, Disability and Critical Illness riders are available for
added protection.
 Policy duration can be 10, 20 or 30 years. A 10 year policy is
available for all persons between 18 and 65 years of age. 20 year
policies are available for persons between the ages of 18 and 55. 30
year policies are available for persons between the ages of 18 and
45.

Tata AIG Life Assure 21

years Money Saver
This savings plan gives you the cash
payments at specified intervals to fund
your family’s needs at critical milestones or
support your financial obligations. You get
the dual benefits of life insurance coverage
plus the flexibility of periodic payments. 

Key features include: 

 10% of the sum assured is paid on survival on the 3rd /6th /9th /12th /15th and 18th
policy anniversaries.
 40% of the sum assured will be paid on maturity (i.e. on the 21st anniversary of this
policy).
 The entire sum assured is distributed to your beneficiaries, irrespective of cash payments
already made, in the unfortunate event of your death before the end of the policy’s term.
 A 10% Guaranteed Addition is payable on death or maturity, if the policy has been inforce
for 10 years.
 A reversionary and terminal bonus payable on death or maturity. Terminal bonus is
available only if policy is in force for more than 10 years.
 Bonuses are paid depending on performance of the company.

Tax Benefits, Riders and Age Eligibility

 Premiums paid under this plan are eligible for tax benefits under Section 80C of the Income
Tax Act, 1961. Any sum received under this plan is exempt from tax under section 10(10D)
of the Income Tax Act, 1961.*
 Term, Critical Illness, Accident and Disability riders are available for added protection at a
nominal extra cost.
 Minimum age to qualify for this product is 30 days. Maximum age limit is 55 years.
 For juveniles only Payor benefit rider is available.

Tata AIG Life Assure Golden Years Plan

 Tata AIG Life Assure Golden Years(Assure Golden Years) is an
endowment policy that provides both safety and steady returns. In
the unfortunate event of your death, your dependants will receive
the sum assured; otherwise your savings will continue to grow.
Should you live past the term of the policy, you will receive both
the sum assured as well as a host of bonuses. 

Key features include: 

 A guaranteed addition of 10% of the sum assured if the policy has been in force for 10 years
or more, is payable on death or maturity.
 A reversionary bonus is payable on death or maturity.
 A Terminal bonus paid on maturity or death if the policy has been in force for a minimum 10
years.
 Reversionary and Terminal bonuses are non-guaranteed and are dependent on Company
performance.

Tax Benefits, Riders and Age Eligibility

 Premiums paid under this plan are eligible for tax benefits under Section 80C of the Income
Tax Act, 1961. Any sum received under this plan is exempt from tax under section 10(10D)
of the Income Tax Act, 1961.*
 Term, Accident, Disability and Critical Illness riders are available for added protection.
 Policy duration runs from the time of purchase up to age 60.
 Policy is available for persons between 18 to 50 years of age.

Tata AIG Life Easy Retire

Today, you are busy working hard to achieve your goals. You are going
to retire one day. No matter how you want to live your life after
retirement you need to plan and arrange for a regular income.

Tata AIG Life Insurance Company Ltd presents Tata AIG Life Easy
Retire(Easy Retire) an individual immediate annuity, the ideal solution
to convert your corpus to regular income. The regular income helps you
cope with the expenses that continue even when you stop working and
in fact increase with age as a result of mounting health bills and
increasing prices.

Easy Retire is an immediate annuity plan with Return of Purchase Price

(RoPP) which can be purchased through a single premium payment. The
plan provides for annuity payments which are paid throughout the life
time of an annuitant.

How does the Plan Work?

 All you have to do is pay a single premium to Tata AIG Life Insurance Company Ltd. (This
amount is your purchase price)
 Choose annuity payment modes [the frequency at which you want the income] - monthly,
quarterly, half-yearly or yearly
 Tata AIG Life Insurance Company Ltd guarantees you a rate per thousand at the time of
purchase and this depends on the age as well as purchase price.
 Opt for either receiving post dated cheques or a direct credit into your bank account. i.e.
PDCs / ECS

Definition:
   Annuity - Series of regular payments received by the policy holder

  Annuitant - Person who receives the annuity benefit.

  RoPP - In this plan the annuity is paid to the annuitant throughout his/her life. On the death of
the annuitant the purchase price is returned to the nominee.

Entry Conditions

  Minimum Purchase amount   Rs. 50,000

  Minimum age of purchase   21 years
  Maximum age of purchase   80 years
  Policy period   Life time
  Premium payment Period   Single
  Minimum annuity installment   Rs. 3,000 p.a
  Annuity rates - Unisex   Yes
  Medical Requirement   None
Please Note:

Tata AIG Life InvestAssure Gold

Plus
Tata AIG Life InvestAssure Gold Plus is a non-
participating Whole Life Unit Linked plan,
which offers you the unique advantage of
combining the protection and tax advantages
of life insurance, with the attractive prospects
of investing in different kinds of securities
through multiple fund options. With this plan,
you can direct the investments by creating
your own investment fund portfolio from a
range of options to suit your needs and
preferences. 

IN THIS POLICY, THE INVESTMENT RISK IN

INVESTMENT PORTFOLIO IS BORNE BY THE
POLICY HOLDER. 

Key features include: 

 Loyalty Additions* of 0.50% units in Regular Premium Fund Value

every 5 years
 Flexibility of seven Fund Options to choose from – Whole Life Mid Cap
Equity Fund, Whole Life Income Fund, Whole Life Short-Term Fixed
Income Fund, Whole Life Aggressive Growth Fund, Whole Life Stable
Growth Fund, Large Cap Equity Fund & Super Select Equity Fund
 Enables you to enjoy market linked results with a potential for higher
growth

* Provided that the policy is in force, when it is due

Eligibility :

0 years (30 days) to 70 years

Minimum / Maximum Entry age
Maximum Maturity Age 100 years
Policy Term 100 years- Issue Age
Premium Paying Term        Regular Pay
        Limited Pay for 5 years or 10
years
Minimum Premium Rs.50,000 p.a.
Minimum Sum Assured 5 x Annual Premium

 
Maximum Sum Assured 60 X Annual Premium
 
Tata AIG Life InvestAssure Health
Plus
The economic consequences of ill health are
devastating for most families. Surveys conducted
by IMRB+ show that a single episode of
hospitalization

 Costs a family about 60 per cent of the

annual income, on average
 40-60 per cent of hospitalized patients
borrow heavily at high interest, and
 Majority of them end up lowering their
standard of life on account of healthcare
costs

The mounting cost of hospital care, increasing out-

of-pocket expenditure, and its catastrophic impact
on family finances do demand a planned approach
to cover these monumental expenses. 

Keeping this in mind, we present Tata AIG Life

InvestAssure Health Plus, a unit linked health
investment plan with a comprehensive health
coverage to help you recover worry-free when you
are ill. The investment component takes care of
the rising medical costs while the health coverage
ensures your peaceful recovery. 

Tata AIG Life Invest Assure Health Plus thus can

prove to be a source of support for you and your
family. 

+
Indian Market Research Bureau  

Key features include: 

 More than 700 days of Hospital Benefit Cover #

 No Yearly or Annual Limit on Surgical Benefit
 More than 900 surgeries covered
 Guaranteed Maturity Addition of up to 7% on Regular Premium Fund
Value
 Optional health coverage for spouse and up to 2 dependent children
 Benefit inflation by 5% p.a. (simple addition) on Daily Hospital Benefit &
Surgical Benefit**
 Choice of SMART & Automatic Asset Allocation as investment strategies
 Choice of 5 Riders for added protection - Tata AIG Life Surgical Benefit
Rider (UIN: 110C021V01), Tata AIG Life Accidental Death Benefit (ADB)
Rider (UIN: 110C003V01), Tata AIG Life Accidental Death and
Dismemberment (Long Scale) (ADDL) Rider (UIN: 110C004V01), Tata
AIG Life Critical Illness (Lumpsum Benefit) Rider (UIN: 110C012V01),
Tata AIG Life Yearly Renewable Term Rider (UIN: 110C020V01)
(including for spouse)
 7 Fund Options to suit your risk profile – Whole Life Mid Cap Equity
 Fund, Whole Life Income Fund, Whole Life Short Term Fixed Income
Fund, Whole Life Aggressive Growth Fund, Whole Life Stable Growth
Fund, Large Cap Equity Fund & Super Select Equity Fund

#
subject to yearly and lifetime limits 
**Based on Daily Hospital Benefit and Surgical Benefit from second year onwards upto a
maximum of 150% of the original benefit.

Eligibility:

Self & Spouse: 18 years- 55 years

Minimum/ Maximum Entry age
Child: 5 years- 17 years
Maximum Maturity Age 65 years
Policy Term 10 and 15 - 40 years
Premium Paying Term Regular Pay

 
Minimum Premium Rs. 18,000 p.a.
Daily Hospital Benefit Limit Ranges from Rs.500 - Rs.3000 ( in
multiples of 500 only)
 

Health Benefits available with Tata AIG Life InvestAssure Health Plus:^

DHB & ICU Benefit:

Sum Assured Yearly Lifetime

Benefits Limit (till policy
end)
DailyHospitalisationBenefi Choose from 120 days 730 days
t (DHB) Rs.500 to
maximum Rs.3000
(in multiples of
Rs.500)
ICU Benefit Double the DHB~ 15 days 90 days
 

Tata AIG Life Lakshya Plus

Each one of us desires the best from life and certainly wants
our finances to support our desires. Given the fast pace and
complexities of our day to day lives, as an investor, you
would seek a simple solution for wealth creation and
protection. 

Tata AIG Life Lakshya Plus is an easy to purchase unit linked

insurance plan. The plan provides you the dual benefit of
investment and protection with just a health declaration. It
also acts as a flexible money saver which helps you to
achieve the right asset allocation through the benefits of
rupee cost averaging. 

Key features include: 

 Policy terms: 15/20/25/30 years

 Premium paying term : same as policy term
  Sum Assured: 5 times the Annualized premium
 Guaranteed Maturity Addition of 8% of Regular Premium Fund Value on
maturity**
 Eight Investment Fund Options to choose from - Top-50 Fund, Top-200 Fund,
Aggressive Flexi Fund, Stable Flexi Fund, Bond Fund, Large Cap Equity Fund,
Infrastructure Fund and Super Select Equity Fund
 Capitalize on volatile market conditions by saving through Systematic Money
Allocation & Regular Transfer Investment (SMART)
 Additional Allocation:

%
Premium of AnnualisedPremium
Year^
3rd  - 10th Year 1%
11th – 20th year 2%
21st - 30th year 3%
^
Premium Year is determined by the number of complete 12-months period for which
Regular Premium has actually been paid, excluding any period of discontinuance of
premiums.

**
Subject to all due premiums have been paid

Eligibility:

Features
  Minimum/Maximum Issue Age   0 (30 days) / 60 yrs
  Maximum Maturity Age   75 Years
  Minimum Annualised Premium   Rs.18,000
  Maximum Annualised Premium   Rs.50,000
  Premium Mode   Annual/Semi-annual/Quarterly/Monthly
  Premium Payment Period   Regular
Death Benefit:

 In case of unfortunate death of the insured, while the policy is in force & before
the maturity date, his/ her nominee will get Higher of (i) the Sum Assured net of
all Deductible Partial Withdrawals, if any, from the Regular Premium Account , or
(ii) the Regular Premium Fund Value at applicable unit price.
 In addition to this, for each Top-up the death benefit will be higher of (i) The
approved Top-up Sum Assured(s) net of all Deductible partial Withdrawals, if any,
from the Top-up Account or (ii) Top-up Fund Value at applicable unit price.

Maturity Benefit:

 On survival to the end of the policy term, Regular Premium Account Value and
Top-Up Account Value, valued at applicable unit price, is payable. Additionally, a
Guaranteed Maturity Addition# equal to 8% of the Regular Premium Fund Value
due under the policy will be paid. No part of Guaranteed Maturity Addition is
payable on the surrender / lapse / termination and on death.

#
 Provided that all the regular premiums due under the policy are paid and the policy is in
force

Riders:

 For extra protection, an option to attach Tata AIG Life Accidental Death Benefit
Limited Underwriting Rider (UIN: 110A018V01) for issue ages 18 to 55 years at a
nominal extra charge. Rider cover cannot exceed the basic policy cover

Tax Benefits
  Premiums paid under this plan are eligible for tax benefits under section 80C of
the Income Tax Act, 1961. Moreover, life insurance proceeds enjoy tax benefits
as per section 10(10D) of the said Act. Please consult your tax advisor for more
details.

Tata AIG Life LifePlus

The financial security and happiness of your loved ones is
always a concern. Providing them the best as well is a
priority, especially when you may not be around. Taking an
adequate cover can help ease these worries and ensure
that the future needs are well taken care of in your
absence. 

Presenting, Tata AIG Life LifePlus, a simple, non-

participating plan which provides you a life cover for 20
years. And in case of no claims till maturity, the premiums
you pay will be refunded to you.* 

Thus ensuring that not only your loved ones are adequately
protected and but you also get a ‘value for money
insurance cover’. 

Key features include:

 A term policy that also returns the premiums paid at the end of 20 years –
guaranteed*
 Life cover for 20 years - Upon your unfortunate death at any time during the 20-year
term, the Plan pays the Sum Assured to your loved ones
 Premiums are payable only for the first 15 years
 In case of an accidental death, double of the sum assured will be paid

* excluding service tax & rider premium

Riders

 Tata AIG Life Accidental Death & Dismemberment Short Scale (UIN: 110C004V01)
can be attached at a nominal extra cost.

Eligibility

 Policy is available for persons between 18 and 60 years of age

 Minimum Sum Assured : Rs. 1,00,000
 Premium payment mode : monthly, quarterly, semi-annual, annual
 Minimum Premium

  Monthly   Quarterly   Semi-annual   Annual

   Rs.500    Rs.1000    Rs.2000    Rs.4000
Tax Benefits

 Premiums paid under this plan are eligible for tax benefits under Section 80C of the
Income Tax Act, 1961. Moreover, life insurance proceeds enjoy tax benefits as per
section 10(10D) of the said Act.

Retirement Planning
The estimated lifespan of an averagely healthy person is
 around 75 years. This means that you will have to fund your
lifestyle for 20 years without a regular salary if you plan to
retire at the age of 55. Let us show you how you can truly
make your retirement years into Golden years.

Tata AIG Life Apex Pension Plans

These plans provide a platform ensuring the upside potential of the equity markets while
safeguarding the investors interest by offering a highest NAV guarantee on maturity. To learn
more, click here

Tata AIG Life Assure Golden Years Plan

This endowment policy gives you safety AND returns. In case of death, your dependants get
the sum assured otherwise your savings grow. If you live past the term you still get that sum
assured along with a whole host of bonuses. To learn more, click here

Tata AIG Life Easy Retire

This is an immediate annuity plan with Return of Purchase Price (RoPP) which can be
purchased through a single premium payment. The plan provides for annuity payments which
are paid throughout the life time of an annuitant. To learn more, click here

Tata AIG Life MahaLife Gold 

This distinctive policy is the ideal planning vehicle to fund your retirement. It provides you a
steady income and insurance coverage for life! Premiums are payable only for the first 15
years. To learn more, click here

Tata AIG Life Nirvana 

The highly flexible Nirvana retirement plan lets you choose your retirement age (from 50 to 65
years). To learn more, click here

Tata AIG Life Nirvana Plus

This is India’s first and only pension policy with a guaranteed addition of 10 percent of sum
assured every 5 years. You can choose from three levels of cover, and also decide the age you
want to retire. To learn more, click here

Tata AIG Life InvestAssure Swarna Jeevan Plus

This is a unit linked non participating pension plan. This plan helps you to invest your money,
build and multiply your capital. To learn more, click here

Tata AIG Life InvestAssure Future Plus

This is a Unit Linked pension plan with a single purpose - to preserve and multiply your
happiness even after you stop working. InvestAssure Future Plus is built as a custom-made
retirement solution to meet your needs of capital accumulation, growth and indeed,
multiplication. To learn more, click here

Company Facts - Tata Finance

Registered Address
Bezzola Complex, 
V.N. Purav Marg,,Chembur 
Mumbai 
Maharashtra 
400071

Tel: 022-25276410 022-55973000
Fax: 022-25276420 / 25276430 
Email: shares@tatafin.com
Website: http://www.tatafin.com
Group: Tata Group

Explore Tata Finance connections

Registrars
T S R Darashaw Ltd. Army & Navy Building 
148, M.G.Road, 
Fort 

Tel: 66568484
Fax: 66568494
Email: csg-unit@tsrdarashaw.com
Website: http://www.tsrdarashaw.com
Management - Tata Finance
Name Designation

Ishaat Hussain Chairman / Chair Person

Jal R Patel Additional Director

F J Da Cunha Executive Director

Name Designation

Mahesh Rao Director

Ravi Parthasarathy Director

Praveen P Kadle Additional Director