Vision of Tata

8/8/2019 Vision of Tata

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Vision & PurposeOur 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 ValuesOur 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.

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

y Integrity: We must conduct our business fairly, with honesty and transparency. Everything we do must stand

the test of public scrutiny.

y 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.

y 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.

y 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.

customerfirst

integrity

passion

people

performance

energity



y 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:

y Sales & Distribution

y Customer Service

y Branch and Centralized Operations

y

Underwriting & Actuarial Functions

y Claims

y IT

y Marketing & Communications

y Finance & Accounts / Legal

y Human Resources and Training & Development

Tata AIG Life Invest Assure 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:



y Sum Assured is paid to the nominee on death of insured, but policy benefits continue till Policy

Term

y Option to choose any one of the following Waiver of Premium (WoP) benefits in case of death

or total permanent disability of the insured.

y Family Guard - We will pay 100% of the future premiums into your policy as if the

policy is on monthly mode (OR)

y 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 sumassured 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

Annual 24,000 12,000 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

R iders

The following riders can be taken at a nominal additional cost - Tata AIG Life Critical Illness LumpsumBenefit 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 PlusAs 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.


y Waiver of future regular premiums in case of death or total permanent disability of the life

insured

y Sum Assured paid to the nominee on death of insured, but policy benefits continue till Policy

Term

y Guaranteed Maturity Addition* up-to 9% of Regular Premium Fund Value

y 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

y 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,

Quarterly & Semi-Annual Mode Rs.24,000 p.a. 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

y 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 AssureC

areer 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.


y 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.

y Periodic payments against the policy do not affect the full payment of the sum assured in

case of the insured¶s death.

y 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).

y

A compound reversionary bonus, as declared by the Company, is credited to the policy onthe policy anniversary.

y A terminal bonus payable on death or maturity (policy must be in force for a minimum 10

years).

Tax Benefits, R iders and Age Eligibility

y Compound reversionary bonus and terminal bonus are non-guaranteed and depend on the

performance of the Company.

y 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).




y 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.

y 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 AssureEducare 21(Assure Educare 21), depending on your needs:

y Assure Educare 18: This plan matures when your child turns

18 and is open to children between 0 years and 8 years of age.

y 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:

y A guaranteed payment of 10% of the sum assured at maturity or on death (policy must be in

force for a minimum 10 years).

y An additional guaranteed education benefit of 20% of sum assured, payable to you at

maturity. y A non-guaranteed compounded annual bonus credited on the policy anniversary (depending

on Company performance).

y A terminal bonus which is payable on death or maturity (policy must be in force for a

minimum 10 years).

y 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).

y Sum Assured is payable on death or on maturity.





y

A Payor Benefit Rider is available which waives all future payments for this policy in theevent of your death or disability, at a nominal extra cost.

y 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 yearsMoney 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.




y 10% of the sum assured is paid on survival on the 3rd /6th /9th /12th /15th and 18th

policy anniversaries.

y 40% of the sum assured will be paid on maturity (i.e. on the 21st anniversary of this

policy).

y 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.

y A 10% Guaranteed Addition is payable on death or maturity, if the policy has been inforce

for 10 years.

y 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.

y Bonuses are paid depending on performance of the company.





y Term, Critical Illness, Accident and Disability riders are available for added protection at a

nominal extra cost.

y Minimum age to qualify for this product is 30 days. Maximum age limit is 55 years.

y 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.


y 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.

y

Yearly cash dividends are available from the 6th policy anniversary onwards (depending on

Company performance).

y The entire sum assured is paid tax-free as per current Income Tax Laws.


y The guaranteed 5% coupon and non-guaranteed cash dividends are tax free as per current

Income Tax Laws.




y 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).

y 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.


y Your child will receive cash benefits to the equivalent of 20% of the sum assured at the age

of 18, 19, 20, 21 & 22.

y Flexible and affordable premiums, which can be paid annually, semi-annually, quarterly, or

even monthly.

y No medical examination of your child is needed.

y 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).




of the Income Tax Act, 1961.* y Inbuilt Payor Benefit rider: In the event of Payor¶s death or disability the policy pays out

following benefits:

y During the premium paying period: All future premiums are waived off.

y 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 AssureLifeline 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.


y Coverage is available for 1, 5, 10, 15, 20 and 25 years or until age 60.

y Term plans can be converted into any of our select savings plans, at attained age premium

rates.





y Policy is available to persons between the ages of 18 and 60 years and varies based on the

term of the policy.



Tata AIG LifeAssure 10 Years / 20

Years / 30 YearsSecurity & GrowthPlans

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.


y 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.

y A reversionary bonus is payable on death or maturity.

y A Terminal bonus paid on maturity or death if the policy has been in

force for a minimum 10 years.

y Reversionary and Terminal bonuses are non-guaranteed and are

dependent on Company performance.


y 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.*

y Term, Accident, Disability and Critical Illness riders are available for

added protection. y 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 21years 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.




y 10% of the sum assured is paid on survival on the 3rd /6th /9th /12th /15th and 18th

policy anniversaries.

y 40% of the sum assured will be paid on maturity (i.e. on the 21st anniversary of this

policy).

y 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.

y A 10% Guaranteed Addition is payable on death or maturity, if the policy has been inforce

for 10 years.

y 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.

y Bonuses are paid depending on performance of the company.





y Term, Critical Illness, Accident and Disability riders are available for added protection at a

nominal extra cost.

y Minimum age to qualify for this product is 30 days. Maximum age limit is 55 years.

y 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.


y 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.

y A reversionary bonus is payable on death or maturity. y A Terminal bonus paid on maturity or death if the policy has been in force for a minimum 10

years.

y Reversionary and Terminal bonuses are non-guaranteed and are dependent on Company

performance.





y Term, Accident, Disability and Critical Illness riders are available for added protection.

y Policy duration runs from the time of purchase up to age 60.

y 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 andin 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?

y All you have to do is pay a single premium to Tata AIG Life Insurance Company Ltd. (This

amount is your purchase price)

y Choose annuity payment modes [the frequency at which you want the income] - monthly,

quarterly, half-yearly or yearly

y 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.

y 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.

R oPP - 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 Invest Assure GoldPlus



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 creatingyour 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.


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

every 5 years

y 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 StableGrowth Fund, Large Cap Equity Fund & Super Select Equity Fund

y 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 :

Minimum / Maximum Entry age 0 years (30 days) to 70 years Maximum Maturity Age 100 years Policy Term 100 years- Issue Age Premium Paying Term y Regular Pay

y 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 Invest Assure HealthPlus

The economic consequences of ill health aredevastating for most families. Surveys conducted

by IMRB+ show that a single episode of

hospitalization

y Costs a family about 60 per cent of the

annual income, on average

y 40-60 per cent of hospitalized patients

borrow heavily at high interest, and

y 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 healthinvestment 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


y More than 700 days of Hospital Benefit Cover#

y No Yearly or Annual Limit on Surgical Benefit

y More than 900 surgeries covered

y Guaranteed Maturity Addition of up to 7% on Regular Premium Fund

Value

y Optional health coverage for spouse and up to 2 dependent children

y Benefit inflation by 5% p.a. (simple addition) on Daily Hospital Benefit &

Surgical Benefit**

y Choice of SMART & Automatic Asset Allocation as investment strategies

y 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)

y 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:

Minimum/ Maximum Entry age Self & Spouse: 18 years- 55 years 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:

Benefits Sum Assured Yearly

Limit

Lifetime

(till policy

end)

DailyHospitalisationBenefit

(DHB)

Choose from

Rs.500 to

maximum Rs.3000

(in multiples of

Rs.500)

120 days 730 days

ICU Benefit Double the DHB~ 15 days 90 days

Tata AIG Life Lakshya PlusEach 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.


y Policy terms: 15/20/25/30 years

y Premium paying term : same as policy term

y Sum Assured: 5 times the Annualized premium

y Guaranteed Maturity Addition of 8% of Regular Premium Fund Value on

maturity**

y 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

y Capitalize on volatile market conditions by saving through Systematic Money

Allocation & Regular Transfer Investment (SMART)

y Additional Allocation:

Premium

Year^ %

of AnnualisedPremium 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:

y 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.

y 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:

y 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

R iders:

y 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

y 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 µvalue for money

insurance cover¶.


y A term policy that also returns the premiums paid at the end of 20 years ±

guaranteed*

y 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

y Premiums are payable only for the first 15 years

y In case of an accidental death, double of the sum assured will be paid

* excluding service tax & rider premium

R iders

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

Eligibility

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

y Minimum Sum Assured : Rs. 1,00,000

y Premium payment mode : monthly, quarterly, semi-annual, annual

y Minimum Premium

Monthly Quarterly Semi-annual Annual

Rs.500 Rs.1000 Rs.2000 Rs.4000

Tax Benefits

y 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 R etire

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 Invest Assure 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 Invest Assure 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 FinanceRegistered Address

Bezzola Complex,

V.N. Purav Marg,,Chembur

Mumbai

Maharashtra

400071

Tel: 022-25276410 022-55973000

Fax: 022-25276420 / 25276430

Email: [email protected]

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: [email protected]

Website: http://www.tsrdarashaw.com

Management - Tata FinanceName Designation

Ishaat Hussain Chairman / Chair Person

JalR Patel Additional Director

F J Da Cunha Executive Director

Name Designation

Mahesh Rao Director

Ravi Parthasarathy Director

Praveen P Kadle Additional Director

Documents

Vision of Tata