Indian Insurance

Tata AIG Life InvestAssure II(InvestAssure II) is a unique, flexible insurance plan which combines the security of a life insurance policy with the opportunity to exploit the upside of market returns by investing in different kinds of securities through multiple fund options. You can direct the investments by creating your own investment fund portfolio from a range of options to suit your needs and preferences.

Key features include:

* Policy terms of 15, 20 or 30 years.
* No penalty for surrendering the policy any time after the 6th year.
* The Sum Assured is a multiple of the Annual Regular Premium payable. The multiple varies according to age at entry and policy term. You have a choice of premium multiples to choose from.
* Any premium not deducted for coverage and charges may be invested in a wide range of investment vehicles, including: an Equity Fund, Income Fund, Aggressive Growth Fund, Stable Growth Fund and a Short Term Fixed Income Fund.
* InvestAssure II also offers the flexibility to switch between funds, premium top-ups, partial withdrawal, premium holiday, policy reinstatement, and multiple premium payment modes.

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.*
* Attach Accident, Waiver of premium, Payor Benefit (for juvenile policy) and Critical Illness riders to this policy at a nominal extra cost for added protection.

Tata AIG Life InvestAssure Gold(InvestAssure Gold) is a non-participating Whole Life Unit Linked insurance 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.

Key features include:

* Flexibility to choose your premium payment term: 5 years or for the entire duration of the policy.
* Benefit period: For the entire life till 100 years of age.
* Facility to increase the premium through Top up Premium.
* Provides security to your family in case of your unfortunate death.
* Facility to increase the Sum Assured through Top up Premium.
* Gives you the flexibility to choose your fund based on your risk profile - Whole Life Mid Cap Equity, Whole Life Aggressive Growth, Whole Life Stable Growth, Whole Life Income, and Whole Life Short Term Fixed Income. You may choose to switch between the funds, anytime subject to certain conditions.
* Enables you to enjoy market-linked returns with a potential for higher growth.
* Opportunity to bring you additional income on funds that might have otherwise given you minimum returns in your savings account, subject to market performance.
* Loyalty Benefit: Additional 0.25% of units under the Regular Premium Account every 5 years provided the policy is in force.

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.*
* You may attach Accidental Death Benefit, Accidental Death and Dismemberment, Payor benefit or Critical Illness Riders at an extra cost.
* Policy is available for persons between 30 days and 70 years of age. The policy matures at age 100.

If you outlive the 20-year term of a Tata AIG Life LifePlus (LifePlus)policy, all of your premium payments will be refunded; if you die by natural causes while the policy is in force, your beneficiaries will receive the sum assured; should you die due to accidental causes, your beneficiaries will receive double the sum assured.

Key features include:

* All premiums paid are returned (without interest) in the event you outlive the policy’s 20-year term.
* Premiums are payable only for the first 15 years of the 20-year term.

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 available for persons between 18 and 60 years of age.

Have you been delaying getting life insurance because you cannot afford to pay high monthly premiums? Then we have the ideal product for you.

Tata AIG Life ShubhLife(ShubhLife) provides you 100% life insurance protection and a range of bonuses but the premiums you pay are among the lowest of any similar endowment policy.

Key features include:

* Term policies just give you death cover. This policy gives you bonuses along with death cover.
* You can choose a term of 10, 15, 20, 25 or 30 years.
* Apart from full premium paying term, you can pay your premiums over 3, 5, 7 or 10 years.
* Guaranteed addition of 3% of sum assured of the Basic Policy is added on the first (1st) policy anniversary and on every alternate policy anniversary thereafter up till a maximum of half the policy term. The GA will be payable if the insured dies while the policy has been in force or if the policy matures.
* A simple reversionary bonus will be credited from the sixth policy anniversary until the end of the plan term depending on the performance of our 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.*
* Attach Disability, Accident, Term, Waiver of premium and Critical Illness riders to this policy for added protection.

Endowment Plan     Age Eligibility
10 Years     18 to 65 Years
15 Years     18 to 60 Years
20 Years     18 to 55 Years
25 Years     18 to 50 Years
30 Years     18 to 45 Years

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.