IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER

Unit Linked Individual Life Insurance Savings Plan

Tata AIA Life Insurance Fortune Pro Minimum Premium1
Single Pay – r 1,00,000
Regular/Limited Pay – r 12,000 per annum
Unit Linked Individual Life Insurance Savings Plan
Single Pay – r 5,00,000
LINKED INSURANCE PRODUCTS DO NOT OFFER ANY Maximum Premium1 Regular/Limited Pay – r 5,00,000
LIQUIDITY DURING THE FIRST FIVE YEARS OF THE per annum
CONTRACT. THE POLICYHOLDER WILL NOT BE ABLE TO
SURRENDER / WITHDRAW THE MONIES INVESTED IN For Single Pay –
Minimum Basic 1.25 times the Single Premium
LINKED INSURANCE PRODUCTS COMPLETELY OR Sum Assured 2
PARTIALLY TILL THE END OF THE FIFTH YEAR. For Regular / Limited Pay –
Higher of (10*AP) OR (0.5*Policy Term*
You have worked hard and smart to earn your money. Now AP)
make your money work harder and multiply itself. Introducing,
For Single Pay –
Tata AIA Life Insurance Fortune Pro, Unit Linked, Endowment
1.25 times the Single Premium
Individual Life Insurance Savings plan that makes your money
grow steadily over time and also provides protection to your For Regular / Limited Pay –
loved ones. Entry Maximum
This plan offers flexibility of policy duration which allows you to Age band Multiple of AP
mould it in to your different financial needs and adjusts itself to Maximum Basic 0 to 29 30
your desired level of growth Sum Assured 2 30 to 35 20
Investment in this plan can help you fulfill your medium to long 36 to 45 Higher of (Policy Term/
term goals such as children’s education, retirement planning 2 or 15)
and wealth creation. 46 to 59 Higher of (Policy Term/
2 or 10)
With Tata AIA Life Insurance Fortune Pro, let your money work
AP is Annualised Premium and it means the
smartly as you do.
premium amount payable in a year excluding
Salient Features the taxes, rider premiums and underwriting
extra premiums on riders, if any
• Flexibility to pay premium one time or for a limited period as 1
Increase or decrease in Premium is not allowed under this plan. If Premium
per your choice is the starting point, Premium should be chosen to be a multiple of r1,000.
• Regular Loyalty Additions to boost investments 2
Increase or decrease in Basic Sum Assured by changing the premium multiple
is allowed subject to Underwriting and limit set by the Company. If Basic Sum
• Flexibility to choose from 11 Fund options for enhanced
Assured is the starting point, Basic Sum Assured should be next higher multiple
investment opportunities of r1,000.
• Option to customize your plan with three additional unit
deducting riders Important aspects
• Choice of Enhanced Systematic Money Allocation & 1. Total Sum Assured under the plan is the total of Basic Sum
Regular Transfer Investment Portfolio Strategy Assured and Top-up Sum Assured.
• Tax benefits u/s 80C and 10 (10D) of the Income Tax Act, 1961 2. The Regular / Single premium and any Top-up premium net
of premium allocation charge will be used to purchase units
Eligibility Criteria in the various investment fund/s offered under this plan and
as chosen by you. The units purchased in the investment
Minimum Issue Age fund is the monetary amount allocated to the investment
(Age last birthday) 0 years (30 days)
fund divided by its then prevailing NAV per unit.
Maximum Issue Age 3. Regular /Single Premium Fund Value is equal to the number
59 years
(Age last birthday) of units pertaining to Regular/Single premiums allocated to
Minimum Maturity Age 18 years the investment fund/s chosen by you multiplied by its then
(Age last birthday) prevailing NAV per unit Top-up Premium Fund Value, if any, is
equal to the number of units pertaining to Top-up premiums
Maximum Maturity Age
75 years allocated to the investment fund/s chosen by you multiplied
(Age last birthday)
by its then prevailing NAV per unit.
Policy Term 15 to 40 years
4. Total Fund Value under this plan is the total of Regular /Single
Single Pay Premium Fund Value and Top-up Premium Fund Value, if
Premium Paying Term Limited Pay – 5 /7 and10 years any. The Fund Value represents the total value of your
Regular/Limited Pay – 15 and 20 years investments to date and is the balance of all units allocated
Single, Annual, Semi-Annual, to the investment fund/s chosen by you multiplied by its then
Pay Mode
Quarterly, Monthly prevailing NAV per unit.

1 2
What are your benefits? The table below gives the Total Maturity Benefit for a healthy
Maturity Benefit person aged 35 years at standard age proof
On survival to the end of the policy term, you will receive the Total • Fund Allocation: 50% in Large Cap Equity Fund and 50% in
Fund Value which is sum of Regular/ Single Premium Fund Value Whole Life Mid cap Equity Fund
and Top-Up Premium Fund Value valued at applicable NAV on • Annualised Regular Premium: r1,00,000
the date of Maturity.
• Mode of payment: Annual /Single
Death Benefit
In case of death of the life insured during the policy term and Loyalty Additions
while the policy is in force, the Nominee/legal heir will get, As a reward for your loyalty, additional units at the rate of 0.20%
Highest of of the units in each of the funds under the Regular Premium
(i) the Basic Sum Assured net of all “Deductible Partial Account will be credited (post deduction of applicable charges)
Withdrawals”, if any, from the Regular/Single Premium to the respective funds every policy anniversary starting from
Fund Value, or eleventh (11th) Policy Anniversary till the end of the policy term.
(ii) the Regular / Single Premium Fund Value of this Policy or If you have chosen a single pay option, the additional units at
(iii) 105 percent of the total Regular/Single Premiums paid up the rate of 0.35% of units in each of the funds under the Single
to the date of death. Premium Account will be credited (post deduction of applicable
In addition to this: charges) to the respective funds every policy anniversary starting
from sixth (6th) Policy Anniversary till the end of the policy term.
Highest of
(i) the approved Top-up Sum Assured(s) or The Loyalty Additions will be credited only if the policy is in
force and all due premiums have been paid. Loyalty Additions
(ii) Top-up Premium Fund Value of this Policy or
are not payable on Top-up Premium Account.
(iii) 105 percent of the total Top-up Premiums paid up to the
date of death What are your investment avenues?
is also payable provided the Policyholder has a Top-up This product offers you the flexibility to invest in a manner that
Premium Fund Value. Deductible Partial Withdrawals are not suits your investment risk profile and individual needs.
applicable in case of Top-Up Sum Assured.
a) You can choose from the 11 investment fund options
For purpose of determining the Death Benefit, the Deductible
OR
Partial Withdrawals mentioned above shall mean the Partial
withdrawals made during the last two years immediately b) Choose the following PORTFOLIO STRATEGY
preceding the date of death of the Insured. I) Enhanced Systematic Money Allocation & Regular
Benefit Illustration Transfer (Enhanced SMART)
To illustrate the above benefits let’s have a look at the
following Benefit Illustration*
Lower Rate
Higher Rate Illustration (8%) Illustration (4%)
Guaranteed
Policy Premium Annual Regular Premium Benefits Non Guaranteed Non Guaranteed
Age
Term Payment Premium## ( r) Multiple chosen Benefits Benefits
(Years)
(Years) Term (Years) Basic Sum Total Maturity Net Yield** Total Maturity
Assured (r) Benefit# ( r) @ 8% Benefit#( r)
35 20 Single 100,000 1.25 125,000 335,903 6.25% 150,865
35 20 5 100,000 10 1,000,000 1,500,070 6.36% 736,791
35 20 7 100,000 10 1,000,000 2,006,535 6.39% 1,039,580
35 20 10 100,000 10 1,000,000 2,652,101 6.43% 1,454,388
*Some benefits are guaranteed and some benefits are variable applicable as per governing laws. Tata AIA Life Insurance Company Limited
(Non-guaranteed) with returns based on the future performance of the reserves the right to recover from the Policyholder, any levies and duties
opted funds and fulfillment of other applicable policy conditions. #Total
(including Goods and Services Tax as applicable and TDS), as imposed by
Maturity Benefit is inclusive of Loyalty Additions and exclusive of Goods
and Services Tax and cess as applicable. For benefit values net of Goods the government from time to time. Kindly refer to Benefit illustration for
and Services Tax and cess as applicable please refer to the Benefit exact premium. **Computation of the net yield excludes mortality charges
illustration. ##“Goods and Services Tax and cess as applicable and TDS” is and Goods and Services and taxes as applicable on charges as applicable.

3 4
 a) You can choose from a variety of funds These funds have different risk profiles based on different types of
Your allocable Regular / Single Premium and Top- Ups (if any) investments that are offered under these funds. The returns are
are invested in one or more investment funds as per your expected to vary according to the risk profile of the funds chosen.
chosen asset allocation. You have an option of choosing any or In case of exceptional circumstances / force majeure events,
all of the 11 Funds or such funds which are available at the time investment in Cash / Money Market Instruments in all above funds
may go up to 100%, subject to prior approval of IRDAI.
of allocation, based on your preferred asset allocation.
Exceptional circumstances may include:
We offer 11 investment funds ranging from 100% debt to
i) Global financial or credit crisis,
100% equity to suit your particular needs and risk appetite –
ii) War like situation,
Multi Cap Fund, India Consumption Fund, Top 50 Fund, Top
iii) Political uncertainty
200 Fund, Super Select Equity Fund, Large Cap Equity fund,
Whole Life Mid Cap Equity fund, Whole Life Aggressive iv) Events like Political/ Communal disturbance which affects
Indian economy and in turn impacts severely on Fixed
Growth fund, Whole Life Stable Growth fund, Whole Life Income/Equity market.
Income fund and Whole Life Short-term fixed Income fund.
Discontinued Policy Fund :
If you wish to diversify your risk, you can choose to allocate
your premiums in varying proportions amongst the 11 The investment objective for Discontinued Policy Fund is to
investment funds. provide capital protection and a minimum return as per
regulatory requirement with a high level of safety and liquidity
Our wide range of funds gives you the flexibility to redirect
through judicious investment in high quality short-term debt.
future premiums and change your premium allocation
The strategy is to generate better returns with low level of risk
percentages from that point onwards. Also you can switch
through investment in fixed interest securities having short term
monies from one investment fund to another at any time.
maturity profile. The risk profile of the fund is very low. There is
Switches must however be within the investment funds
a minimum guarantee of interest @ 4% p.a. or as prescribed by
offered under this plan.
IRDAI from time to time.
Investment Fund Fund Objective Risk Profile Asset Allocation Minimum Maximum
The primary investment objective of the Fund is
to generate capital appreciation in the long term Equity 60% 100%
Multi Cap Fund (ULIF by investing in a diversified portfolio of Large
060 15/07/14 MCF Cap and Mid Cap companies The allocation
High Debt Instruments 0% 40%
110) between Large Cap and Mid Cap companies will
be largely a function of the relative valuations of
Large Cap companies as against Mid Cap Cash / Money Market Instruments 0% 40%
companies.
The primary investment objective of the Fund is
to generate capital appreciation in the long term Equity 60% 100%
India Consumption by investing in a diversified portfolio of
Fund (ULIF 061 companies which would benefit from India’s
High Debt Instruments 0% 40%
15/07/14 ICF 110) Domestic Consumption growth story. The India
Consumption Fund could provide an investment
opportunity in the theme of rising consumption Cash / Money Market Instruments 0% 40%
power in India for long term returns.
The Top 50 Fund will invest primarily in select
stocks which are a part of Nifty 50 Index with a
Top 50 Fund (ULIF 026 focus on generating long term capital Equity Instruments 60% 100%
12/01/09 ITF 110) appreciation. The Fund will not replicate the
index but aim to attain performance better than
the performance of the Index. As a defensive
strategy arising out of market conditions, the High
scheme may also invest in debt and money Cash / Money Market
0% 40%
market instruments. Instruments (including CP/CD)
Objective: The primary investment objective of
the fund is to generate long term capital
appreciation by investing in select stocks.

5 6
 Investment Fund Fund Objective Risk Profile Asset Allocation Minimum Maximum
The Top 200 Fund will invest primarily in select
stocks which are a part of BSE 200 Index with a
Top 200 fund (ULIF focus on generating long term capital Equity Instruments 60% 100%
027 12/01/09 ITT 110) appreciation. The Fund will not replicate the
index but aim to attain performance better than
the performance of the Index. As a defensive
strategy arising out of market conditions, the High
scheme may also invest in debt and money Cash / Money Market
0% 40%
market instruments. Instruments (including CP/CD)
Objective: The primary investment objective of
the fund is to generate long term capital
appreciation by investing in select stocks.
The Super Select Equity Fund will invest
significant amount in equity and equity linked Equity and Equity
60% 100%
instruments specifically excluding companies linked Instruments
predominantly dealing in Gambling,
Lotteries/Contests, Animal Produce, Liquor,
Tobacco, Entertainment (Films, TV etc) Hotels,
Super Select Equity sugar, leather, Banks and Financial Institutions.
Fund (ULIF 035 The risk profile of the fund is high. The cash
holding of the Fund will be kept below 40% of High Debt Instruments 0% 40%
16/10/09 TSS 110)
the Fund or according to the prevailing
regulatory guidelines at each point of time.
Objective: The primary investment objective of
the fund is to provide income distribution over a Cash / Money
period of medium to long term while at all times 0% 40%
Market Instruments
emphasizing the importance of capital (including CP/CD)
appreciation.

Large Cap Equity Fund The primary investment objective of the Fund is Equity and Equity
80% 100%
(ULIF 017 07/01/08 to generate long - term capital appreciation from linked Instruments
a portfolio that is invested pre-dominantly in High
TLC 110) large cap equity and equity linked securities. Cash / Money Market Instruments 0% 20%
The primary investment objective of the Fund is Equity and Equity
Whole Life Mid Cap 60% 100%
to generate long term capital appreciation from linked Instruments
Equity Fund(ULIF 009 High
a portfolio that is invested pre-dominantly in Mid Cash/ Money
04/01/07 WLE 110) Cap Equity and Mid Cap Equity linked securities. 0% 40%
Market Instruments
Whole Life Aggressive The primary investment objective of the Fund is to Equity and Equity
provide higher returns in long term by investing Medium 50% 80%
Growth Fund(ULIF 010 Linked instruments
primarily in Equities along with debt/ money to High
04/01/07 WLA 110) market instruments. Debt Instruments 20% 50%
Cash / Money Market Instruments 0% 30%
The primary investment objective of the Fund is Equity and Equity
Whole Life Stable 30% 50%
to provide stable returns by balancing the Low to Linked instruments
Growth Fund(ULIF 011 investment in Equities and debt/ money market Debt Instruments 50% 70%
Medium
04/01/07 WLS 110) instruments. Cash / Money Market Instruments 0% 20%
The primary investment objective of the Fund is
Whole Life Income Debt Instruments 60% 100%
to generate income by investing in a range of
Fund (ULIF 012 debt and money market instruments of various Low
04/01/07 WLI 110) maturities with a view to maximizing the optimal Cash / Money Market Instruments 0% 40%
balance between yield, safety and liquidity.

Whole Life Short-Term The primary investment objective of the Fund is to Debt Instruments of
generate stable returns by investing in fixed income 60% 100%
Fixed Income Fund duration less than 3 years
securities having shorter maturity periods. Under Low
(ULIF 013 normal circumstances, the average maturity of the Cash / Money
Fund may be in the range of 1-3 years. 0% 40%
04/01/07 WLF 110) Market Instruments

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Asset allocation: Policy Month 11 ½ of the units available at the beginning of
Instrument Allocation Policy Month 11
Government Securities 60% - 100% Policy Month 12 Balance units available at the beginning of
Policy Month 12
Money Market Instruments 0% - 40%
The following are the notable features of Enhanced SMART:
b) Choose the following PORTFOLIO STRATEGY: • Enhanced SMART can be availed at the option of the
I) Enhanced Systematic Money Allocation & Regular policyholder, exercisable at policy inception or on any policy
Transfer (Enhanced SMART) anniversary. A written request to commence, change or
Enhanced SMART is a systematic transfer plan available only restart Enhanced SMART should be received 30 days in
to the policies with the annual / single mode of payment. It advance of the policy anniversary. The request shall take
allows a customer to enter the volatile equity market in a effect on the following policy anniversary. Once chosen the
structured manner under the Regular / Single Premium Fund. strategy will be applicable for future premiums for all the
premium payment terms except single premium.
Under Enhanced SMART, you need to choose two funds, a
debt oriented fund and an equity oriented fund. Please refer to • Request for commencement, change or restart of Enhanced
table below for the choice of available funds: SMART will be subject to all due premiums being paid.
• Enhanced SMART option is available only to the policies with
Debt oriented funds Equity oriented funds
the annual / single mode of payment.
• Whole Life Income Fund • Large Cap Equity Fund
• The automatic fund switches in the Enhanced SMART
• Whole Life Short-Term • Whole Life Mid Cap Equity Fund option are available out of the 12 free switches.
Fixed Income Fund • Multi Cap Fund
• Enhanced SMART is free of any charge.
• India Consumption Fund
• The policyholder will have the option to stop the Enhanced
• Top 50 fund
SMART at any point of time by a written request and it shall
• Top 200 fund take effect from the next Enhanced SMART switching that
• Super Select Equity Fund follows the Company’s receipt
This strategy is applicable till premium payment term only and • Manual fund switching for the two funds selected for activation
is not available with top-up premium fund. of Enhanced SMART is not allowed. Manual fund switching is
allowed on other available funds at applicable charges. For
Through Enhanced SMART, your entire annual/single allocable Top-up premiums, manual switching option will be available
premium will be parked in the chosen debt oriented fund along at applicable charges.
with any existing units in that fund, if any. These combined units
in the chosen debt oriented fund will be systematically • Any amount remaining in regular premium funds other than
transferred on a monthly basis to the chosen equity oriented the two funds selected for activation of Enhanced SMART,
fund. All your future allocable premiums will also follow the would continue to remain invested in those funds.
same pattern as long as Enhanced SMART is active on your • Enhanced SMART Option will not be available during
plan. Switching to / from the Enhanced SMART funds to other Discontinuance of Premium. On revival of the policy, you can
available funds is not allowed. opt for Enhanced SMART again.
Thus, while the stock market remains volatile and unpredictable, In Case of Single Premium option:
Enhanced SMART strategy offers a systematic way of rupee • Enhanced SMART strategy can only be opted for at
cost averaging. However, all investments through this option policy inception.
are still subject to investment risks, which shall continue to be
borne by you. • Enhanced SMART strategy will be applicable for policy
year 1 only.
A portion of total units in the chosen debt oriented fund shall be • From the end of year 1, the amount will remain invested in
switched automatically into the chosen equity oriented fund in the Equity oriented fund as chosen by customer under
the following way: Enhanced SMART strategy.
Monthly Enhanced SMART • Customer has an option to do manual fund switching to
Policy Month 1 1/12 of the units available at the beginning other available funds after the end of policy year 1.
of Policy Month 1 The Company may cease offering Enhanced SMART by giving
Policy Month 2 1/11 of the units available at the beginning 30 days of written notice subject to prior approval of Insurance
....................... of Policy Month 2 Regulatory and Development Authority of India.

Policy Month 6 1/ 7 of the units available at the beginning Tracking and Assessing Your Investments
....................... of Policy Month 6 You can monitor your investments

9 10
• On our website (www.tataaia.com); • The minimum Top-up amount is r 5,000/-. Acceptance of
• Through the annual statement detailing the number of units Top up Premium is subject to prevailing underwriting rules.
you have in each investment fund and their respective then • Top-up premiums can be allocated in any proportion
prevailing NAV; and between the funds offered as chosen by the policyholder.
• Through the published NAVs of all investment funds on our • Every Top up Premium will have a lock- in period of five years
website and Life council’s website. from the date of acceptance of such Top up premiums
What are the other benefits in your policy3? except in case of complete withdrawal of policy.
• At any point of time, the total Top-up premiums paid shall not
This is a single / Regular / limited payment policy with protection
exceed the sum of the total regular premiums / single
for a chosen policy term and it is in your best interest to stay
premium paid
invested for the entire term. This will enable you to pay for a
short term and enjoy all the special benefits offered under this • Top-up premiums are subject to charges as described under
innovative product for the rest of your life. However, for "What are my Policy charges?"
contingency needs during the term of the policy, you may avail
of the Partial Withdrawal option. In case if you have a surplus Top-up Sum Assured
income, you may invest the same in your plan though top-ups. Your Sum Assured will increase by Top-up Sum Assured when
Flexibility of Partial Withdrawals you avail of a Top-up, subject to underwriting.
In case you need money for any emergency or otherwise, this Top-up Sum Assured will be Top-Up Multiple * Top-Up Premium
plan enables you to withdraw from your fund. The withdrawals Top-up Premium Multiple is 1.25
from regular / Single Premium Fund are allowed after five policy
anniversaries from the date of issuance of your policy, provided Increase or decrease in the Top-up Sum Assured is not allowed.
the policy is in force. Flexibility of Premium Mode
• Partial withdrawal from the Top-up Premium Fund can be You may choose to pay your premiums4 Annually, Semi-annually,
allowed anytime after five policy anniversaries from the date Quarterly, Monthly or even single time as per your convenience.
of acceptance of each such Top-up Premium paid. 4
Monthly Premium = 0.0833 of Annualised Premium, Quarterly
• For Regular Premium policy, minimum partial withdrawal Premium = 0.25 of Annualised Premium, Semi-annual
amount is r 5,000 subject to Total Fund Value post such premium = 0.50 of Annualised Premium subject to minimum
withdrawals being not less than an amount equivalent to one premium conditions for each mode.
year’s Annualised Regular Premium.
• For Single Premium policy, minimum partial withdrawal Settlement Option
amount is r 5,000 subject to Total Fund Value post such Provided policyholder is alive on the maturity date, you have an
withdrawals being not less than an amount equivalent to 5% option to receive the maturity amount either in lump sum or in
of Single Premium paid. installments over a period of time. This period, termed as
Settlement Period, may be extended up to a maximum of five
• Partial withdrawal is allowed only after insured attains 18
years from the date of maturity. The first instalment under
years of age.
settlement option shall be payable on the date of maturity. The
• Partial Withdrawals should be made first from the Top-up timing and amount of the installments will be chosen by you at
Premium Fund (if any) and then from the Regular / Single the time of maturity while exercising this option. The value of
Premium Fund, if amount in the Top-up Premium Fund such periodical payments will depend on the performance of
is insufficient. the Funds selected for investment. Switching and partial
• Maximum of four (4) partial withdrawals are allowed in a policy withdrawals (other than the aforesaid periodical payments) are
year and we levy no charges for making the partial withdrawals. not available during the Settlement Period. At any time during
the settlement period, you have the option to withdraw the Total
• The partial withdrawals shall not be allowed if it would result Fund Value at that time
in termination of the contract. During this Settlement Period, life cover shall be maintained at
Flexibility of Top-ups 105% of the total premiums paid. In case of death, higher of
Total Fund Value at the time of death or 105% of total premiums
You have the flexibility to pay additional premium as ‘Top-up paid will be returned to the Nominee. During this period, Fund
Premium’, provided the policy is in force Management Charges and Mortality Charges will be deducted
• Top-up premiums can be paid any time except during the as due. All charges are shown under “What are my Policy
last five years of the policy term, subject to underwriting, as Charges?”
long as all due premiums have been paid. During this Settlement Period, the inherent investment risk will
• You can Top-up your policy up to four times in a policy year. be borne by the Policyholder.

11 12
Flexibility of Additional Coverage5 entry age of 18 years up to 65 years (of the Proposer) and
You have further flexibility to customize your product by adding maximum maturity age of 70 years (of the Proposer).
the following optional riders. The charges for these riders, if 5
These are Unit deducting riders and no separate premium
opted for, will be recovered by cancellation of units from the needs to be paid.
basic plan. The riders can be attached only at the policy 3
For more details on the benefits, premiums and exclusions
inception and can only be offered only if minimum premium
multiple is chosen. under these riders please refer to the Rider Brochure or contact
our Insurance advisor or visit our nearest branch office.
For Regular / Limited Pay - the Policyholders have an option
to choose any one of the following riders: How is the NAV calculated?
1. Tata AIA Life Insurance Waiver of Premium (Linked) Rider The Net Asset Value (NAV) of the segregated funds shall be
2. Tata AIA Life Insurance Waiver of Premium Plus (Linked) Rider computed as:
3. Tata AIA Life Insurance Accidental Death and Dismemberment Market value of investment held by the fund + value of current
(Long Scale) (ADDL) Linked Rider assets - (value of current liabilities and provisions, if any)
For Single Pay - the Policyholders have an option to choose ------------------------------------------------------------------------
the following rider: Number of units existing on Valuation Date (before creation/
Tata AIA Life Insurance Accidental Death and Dismemberment redemption of units)
(Long Scale) (ADDL) Linked Rider The Net Asset value (NAV) will be determined and published
Tata AIA Life Insurance Accidental Death and daily in various financial newspapers and will also be available
Dismemberment (Long Scale) (ADDL) Linked Rider on www.tataaia.com, the official website of Tata AIA Life. All
(UIN: 110A027V02) you have to do is multiply the number of Units you have with
the published NAV to arrive at the value of your investments.
This rider ensures protection of your family by paying your
nominee an amount equal to the rider sum assured in case of Credit/Debit of Units
an accidental death. In case of severe dismemberment like loss
Premiums received, after deducting the Regular Premium/ Single
of limbs or bodily functions or severe burns due to an accident,
Premium / Top-up Premium Allocation Charge and applicable
it will pay a percentage of the rider sum assured as per the
Goods and Services Tax and cess as applicable, will be used to
ADDL benefit chart. The benefits will be doubled in case of
purchase Units at the NAV according to your instruction for
certain accidental death or dismemberments.
allocation of Premium. Units purchased by Regular /Single
This rider will be allowed from entry age of 18 years up to Premium and Top-up Premium, net of payable premium
59 years and maximum maturity age of 70 years. allocation charge and applicable Goods and Services Tax and
The maximum rider sum assured is restricted to 50% of basic cess as applicable, will be deposited into the Regular/Single
sum assured for the premium paying term of 5 and 7 years and Premium Fund Value and Top-up Premium Fund Value
maximum rider sum assured is equal to 100% of basic sum respectively.
assured for any other chosen premium paying terms. Where notice is required (Partial Withdrawal, Complete
Tata AIA Life Insurance Waiver of Premium (Linked) Rider withdrawal or death of the Insured), Units being debited shall
(UIN: 110A026V02) be valued by reference to their NAV as specified in the section
“Cut-off time for determining the appropriate valuation date”
This rider provides for the waiver of all future premiums of the
basic policy which fall due while the proposer is totally and Cut-off time for determining the appropriate valuation date
permanently disabled (provided that the disability commences The appropriate valuation date at which NAV will be used to
before the proposer reaches 65 years or the end of premium p u rc h a s e o r re d e e m U n i t s s h a l l b e d e t e r m i n e d i n t h e
payment term of the basic plan, whichever is earlier). This rider following manner:-
will be allowed from entry age of 18 years up to 59 years and a) Purchase & Allocation of Units in respect of Premiums
maximum maturity age of 65 years. received or Fund Value(s) switched in:
Tata AIA Life Insurance Waiver of Premium Plus (Linked) • If the premiums, by way of cash or a local cheque or a demand
Rider (UIN: 110A025V02) draft payable at par or the request for switching in Fund
This rider provides for the waiver of all future premiums of the Value(s) is / are received by us at or before 3:00 p.m. of a
Business Day at the place where these are receivable, NAV of
basic policy which fall due in case of death or while the the date of receipt or the due date, whichever is later shall apply.
proposer is totally and permanently disabled (provided that the
• If the premium/s, by way of cash or a local cheque or a
death occurs /disability commences before the proposer
demand draft payable at par or the request for switching in
reaches 70 years or the end of premium payment term of the Fund Value(s) is/are received by us after 3:00 pm of a
basic plan, whichever is earlier).This rider will be allowed from business day, at the place where these are receivable, NAV

13 14
 of the next valuation date following the receipt or the due case of discontinuance of policy due to non-payment of
date, whichever is later shall apply. premium, the fund value after deducting the applicable
• If the premium/s is received by us by way of an outstation discontinuance charges, shall be credited to the Discontinued
cheque / outstation demand draft, NAV of the date of on Policy Fund and the risk cover and rider cover, if any, shall cease.
which these instruments are realized shall apply. All such discontinued policies shall be provided a revival period
• In case of proposals or requests for Top-up Premium where of three years from date of first unpaid premium. On such
underwriting or Our approval is required, the closing NAV of discontinuance, we shall communicate the status of the policy,
the day on which underwriting/approval is completed in all within three months of the first unpaid premium, to the
respects or the date of receipt of premium (in case of cash or policyholder and provide the option to revive the policy within
local cheque or demand draft payable at par) or the date of the revival period of three years.
cheque/ demand draft realization (in case of an outstation
cheque/ demand draft) whichever is later shall apply. i) In case the policyholder opts to revive but does not revive
• If premiums are received via standing instruction (such as the policy during the revival period, the proceeds of the
auto pay, credit cards, electronic clearing system etc) the Discontinued Policy Fund shall be paid to the policyholder
same procedure as for local cheques will apply with the date at the end of the revival period or lock-in period whichever
of sending the collection request to the relevant bank / is later. In respect of revival period ending after lock-in
financial institution being taken as the date of receipt of the period, the policy will remain in discontinuance fund till the
local cheque. end of revival period. The Fund management charges of
b) Sale & Redemption of Units in respect of withdrawals, discontinued fund will be applicable during this period and
surrender, Fund Value(s) switched out, death claim: no other charges will be applied.
• If a valid request / application is received by us at or before
3:00 pm of a Business Day, NAV of the date of receipt shall apply. ii) In case the policyholder does not exercise the option as set
• If a valid request/application is received by us after 3:00 pm out above, the policy shall continue without any risk cover
of a Business Day, NAV of the next valuation date following and rider cover, if any, and the policy fund shall remain
the receipt shall apply. invested in the discontinuance fund. At the end of the
lock-in period, the proceeds of the discontinuance fund
What are the options to manage my shall be paid to the policyholder and the policy shall
investments6? terminate.
We offer you ample flexibility to manage your money so that iii) However, the policyholder has an option to surrender the
you can reap maximum benefits of your investments. policy anytime and proceeds of the discontinued policy shall
Switching Between the Funds be payable at the end of lock-in period or date of surrender
whichever is later.
During the policy term, you may switch your investment or part
of investment from one fund to another as per your outlook b. For Single Premium Policies:
about the markets. Switching may be restricted if the Enhanced In case of Single premium policies, the policyholder has an
SMART is chosen. Please refer to Enhanced SMART strategy
option to surrender any time during the lock-in period. Upon
for details. A total of 12 free switches are allowed in a policy
year after which charges will be applicable on further switches receipt of request for surrender, the fund value, after deducting
as shown under “What are my Policy Charges?" the applicable discontinuance charges, shall be credited to the
Discontinued Policy Fund.
Premium Re-direction
The policy shall continue to be invested in the Discontinued
Premium Re-direction facility helps you to allocate future Policy Fund and the proceeds from the discontinuance fund
premiums to a different fund or set of funds. There is no shall be paid at the end of lock-in period. Only fund
Premium-Redirection charge. Premium Re-direction will not be
management charge can be deducted from this fund during
allowed if Enhanced SMART is chosen.
this period. Further, no risk cover shall be available on such
6
Please contact our Insurance Advisor or visit our nearest branch policy during the discontinuance period.
office for further details
“Proceeds of the Discontinued Policy” means the fund value as
What if I want to discontinue paying on the date of discontinuance plus entire income earned after
premiums? deduction of the fund management charges, subject to a
minimum guarantee of interest @ 4% p.a. or as prescribed by
Discontinuance of Premiums IRDAI from time to time.
Discontinuance of Premium within Five Years from the In case of any attachable optional rider – The status for rider will
Date of Commencement (Discontinuance of the policy be same as base plan. i.e. If option a) is chosen under base plan,
during lock-in period): then the rider will be lapsed and can we revived within 3 years
a. For Regular/ Limited Premium Policies: Discontinuance of Premium after Five Years from the Date of
Where a Regular / Limited Premium due before the fifth policy Commencement (Discontinuance of Policy after the
anniversary remains unpaid at the end of the Grace Period, in lock-in-Period):

15 16
a. For Regular/ Limited Premium Policies: If policyholder requests for Complete Withdrawal from
Upon expiry of the grace period, in case of discontinuance of the policy –
policy due to non-payment of premium after lock-in period, the • Within the lock-in period; the surrender value i.e. the fund
policy shall be converted into a reduced paid up policy with the
value less applicable discontinuance charges as on the date
paid-up sum assured i.e. original sum assured multiplied by the
total number of premiums paid to the original number of of discontinuance shall be credited to the ‘Discontinued
premiums payable as per the terms and conditions of the Policy Fund’ as maintained by the Company.
policy. The policy shall continue to be in reduced paid-up The ‘Proceeds of the Discontinued Policy’ i.e. the fund value
status without rider cover, if any. All charges as per terms and as on the date of discontinuance plus entire income earned
conditions of the policy may be deducted during the revival after deduction of the fund management charges, subject to
period. However, the mortality charges shall be deducted a minimum guarantee of interest @ 4% p.a. or as prescribed
based on the reduced paid up sum assured only. by IRDAI from time to time shall be paid to the policyholder
after completion of the lock-in period.
On such discontinuance, Insurer shall communicate the status
of the policy, within three months of the first unpaid premium, In case of death of the insured during this period the
to the policyholder and provide the following options: “Proceeds of the Discontinued Policy” shall be payable to the
nominee immediately.
(1) To revive the policy within the revival period of three years,
or • After the Lock-in Period; the total fund value as on the date
(2) Complete withdrawal of the policy. of complete withdrawal shall be paid to the policyholder.
In case the policyholder opts for (1) above but does not revive Lock-in period means the period of 5 consecutive years from
the policy during the revival period, the fund value shall be paid the date of commencement of the policy, during which period
to the policyholder at the end of the revival period. the proceeds of the discontinued policies cannot be paid by
In case the policyholder does not exercise any option as set out the insurer, except in the case of death or upon the happening
above, the policy shall continue to be in reduced paid up status. of any other contingency covered under the policy.
At the end of the revival period the proceeds of the policy fund
shall be paid to the policyholder and the policy shall terminate. What are my policy charges7?
However, the policyholder has an option to surrender the policy Premium Allocation Charge
anytime and proceeds of the policy fund shall be payable.
Regular Premium / Single Premium Allocation Charge as below
b. For Single Premium Policies:
will be deducted from the Regular Premium / Single Premium.
Policyholder has an option to surrender the Policy any time. The net Regular Premiums / Single Premium after deduction of
Upon receipt of request for surrender, the Fund Value as on
charges are invested in funds as per your choice.
Date of Surrender shall be payable.
If Policy gets converted into Reduced Paid-up, policy will For Single Pay
continue with the reduced sum assured as defined below: Premium Allocation Charge as a % of Single Premium
Reduced paid-up sum assured = Basic Sum Assured * (t / n) Policy Year % of Single Premium
Where, 1 3%
t = Total number of Premiums paid
For Regular / Limited Pay
n= Total number of Premiums payable for the entire premium
paying term Premium Allocation Charge as a % of Annualised Premium
A reduced paid-up policy will continue as per policy terms and Policy Year % of Annualised Premium
conditions and charges as mentioned under “What are the 1 6.0%
charges in your policy?" shall continue to be deducted.
2 6.0%
Policyholder will have an option of resuming payment of
premiums with full sum assured before the end of revival period 3 to 5 5.5%
of three years from the date of last unpaid premium. 6 to 7 4.5%
Top-ups will not be allowed when the policy is in reduced 8 to 10 3.5%
paid-up status.
11 year onwards 2.0%
Partial Withdrawal will be allowed during the reduced
paid-up status Top-up Premium Allocation Charge = 1.5% of Top-up premium
The regular / single premium and top-up premium allocation
What if I want to discontinue the policy? charges are guaranteed throughout the term of the policy.
Complete Withdrawal The above premium allocation charges shall not exceed the
maximum premium allocation charge as declared by the
The policyholder can completely withdraw his/her policy
Authority which currently stands at 12.5% of Annualised
anytime during the policy term by intimating the company. Premium for any year.

17 18
Policy Administration Charge Regular / Single Premium Fund Value is insufficient, then
A Monthly Policy Administration Charge will be deducted by mortality charge will be deducted from the Top-up Premium
cancelling Units at the NAV from the Fund Value of the policy Fund Value, if any and vice-versa.
and this charge may be increased by upto a maximum of 5% Mortality charge = Sum at Risk (SAR) multiplied by the applicable
p.a. compounded annually subject to a maximum of R 500 Mortality Rate for the month, based on the attained age of the
per month which are the current caps specified by the Life Assured.
Authority and can change from time to time. Tabulated
Sum at Risk in each month for Regular / Single Premium
below is the Monthly Policy Administration charge.
Account is the difference between:
For Single Pay Option - 0.90% p.a. of Single Premium
a) Maximum of (Basic Sum Assured net of all deductible partial
throughout the policy term
withdrawals, if any, from the relevant Regular / Single
For Regular / Limited Pay Option - 0.75% p.a. of Annualised Premium Fund Value or 1.05 times total Regular / Single
premium throughout the policy term premiums paid)
Fund Management Charge
and
A Fund Management Charge will be charged for each fund on
b) Regular / Single Premium Fund Value at the time of deduction
each valuation date at 1/365 of the following annual rates and
of Mortality Charge
will be applied on the total values of the investment funds as
given below Sum at Risk in each month for Top-up Premium Account is
Sr. Fund Management the difference between:
Fund Name
No Charge per annum a) Maximum of (Top-up Sum Assured, from the relevant Top-up
1 Multi Cap Fund 1.20% Premium Fund Value or 1.05 times total Top-up Premiums paid)
2 India Consumption Fund 1.20%
and
3 Top 50 fund 1.20%
4 Top 200 fund 1.20% b) Top-up Premium Fund Value at the time of deduction of
Mortality Charge.
5 Super Select Equity Fund 1.20%
Mortality Charges per 1,000
6 Large Cap Equity Fund 1.20% Sample Age
Sum at Risk (r) (per annum)
7 Whole Life Mid-cap Equity Fund 1.20% 25 1.187
8 Whole Life Aggressive Growth Fund 1.10% 35 1.122
9 Whole Life Stable Growth Fund 1.00% 45 2.428
10 Whole Life Income Fund 0.80% 55 5.751
Whole Life Short Term Fixed 8
The Mortality Charges will be guaranteed for the period of the
11 Income Fund 0.65%
policy term. Females and smokers lives will be treated at par with other
standard lives and will not be charged any extra amount.
Fund Management Charges are subject to revision by For complete details on mortality charges visit us at
Company with prior approval of IRDAI but shall not exceed www.tataaia.com
1.35% per annum of the Fund value which is the maximum limit
Discontinuance Charge
currently specified by the Authority and can change from time
to time. The policyholder can discontinue paying premium anytime
during the policy term by intimating to the company. However
A Fund Management Charge of 0.50% p.a. shall be charged on
when the request for discontinuance from the policy is within
Discontinued Policy Fund. The current cap on Fund Management
the lock-in period of 5 years from policy inception, total fund
Charge (FMC) for Discontinued Policy Fund is 0.50% p.a. and
value, net of discontinuance charges as on the date of
shall be declared by the Authority from time to time.
discontinuance shall be put in the ‘Discontinued Policy Fund’.
Mortality Charge8 The ‘Proceeds of the Discontinued Policy’ i.e. the fund value as
The Mortality Charge of the Basic Policy will be deducted by on the date of discontinuance plus entire income earned after
cancelling Units at the current NAV, from the Regular / Single deduction of the fund management charges, subject to a
Premium Fund value of the Policy on each Policy Month minimum guarantee of interest @ 4% p.a. or as prescribed by
Anniversary. In case of the Top-up Sum Assured, the same will IRDAI from time to time shall be paid to the policyholder only
be deducted from the Top-up Premium Fund Value. If the after completion of the lock-in period.

19 20
The following table shows discontinuance charges applicable Maximum Maximum
for Single Pay Option Where the policy Discontinuance Discontinuance
is discontinued Charges for the Charges for the
Maximum Maximum
during the policy policies having policies having
Where the policy Discontinuance Discontinuance
year annualized premium annualized premium
is discontinued Charges for the Charges for the
up to R 50,000/- above R 50,000/-
during the policy policies having Single policies having Single
year Premium up to Premium above Lower of 5% of Lower of 2% of
R 3,00,000/- R 3,00,000/- Annualised Premium or Annualised Premium or
4 Regular Premium Fund Regular Premium Fund
Lower of 2% of Single Lower of 1% of Single
Value subject to a Value subject
Premium or Single Premium or Single
maximum of R 1,000 maximum of R 2,000
1 Premium Fund Value Premium Fund Value
subject to a maximum subject to a maximum 5 and onwards Nil Nil
of R 3,000/- of R 6,000/- There are no discontinuance charges applicable on the Top-up
Lower of 1.5% of Lower of 0.70% of premium Fund Value.
Single Premium or Single Premium or The maximum discontinuance charge shall not exceed the
2 Single Premium Fund Single Premium Fund limits as decided by the Authority from time to time.
Value subject to a Value subject to a
maximum of R 2,000/- maximum of R 5,000/- Partial Withdrawal Charge
Lower of 1% of Single Lower of 0.50% of There are no partial withdrawal charges under this plan.
Premium or Single Single Premium or Fund Switching Charge
3 Premium Fund Value Single Premium Fund
subject to a maximum Value subject to a There are 12 (twelve) free switches per policy year. Thereafter a
of R 1,500/- maximum of R 4,000/- charge of R 100/- per switch will be applicable. This Charge
Lower of 0.5% of Lower of 0.35% of may be revised as deemed appropriate by the Company
Single Premium or Single Premium or subject to prior approval of IRDAI but shall not exceed a
4 Single Premium Fund Single Premium Fund maximum of R 250/- or the maximum Switching Charge
Value subject to a Value subject to a declared by the Authority from time to time.
maximum of R 1,000/- maximum of R 2,000/- Miscellaneous Charge:
5 and onwards Nil Nil
Premium Re-direction Charge
The following table shows discontinuance charges applicable There is no Premium Re-direction Charge.
for Regular / Limited Pay Option 7
The Company may alter all the above charges (except
Mortality Charge and Premium Allocation Charges which are
Maximum Maximum
guaranteed throughout the term) by giving an advance notice
Where the policy Discontinuance Discontinuance
Charges for the Charges for the of at least three months to the policyholder subject to the prior
is discontinued
policies having policies having approval of IRDAI and will have prospective effect.
during the policy
year annualized premium annualized premium In case of Single Premium Policy, the policy will terminate as
up to R 50,000/- above R 50,000/- and when the total fund value becomes less than or equal to
Lower of 20% of Lower of 6% of 1% of Single Premium and the balance Fund Value shall be
Annualised Premium or Annualised Premium or payable to you. This situation may result because of the
1 Regular Premium Fund Regular Premium Fund combined impact of partial withdrawals at inopportune time
Value subject to a Value subject to a and fund performance.
maximum of R 3,000 maximum of R 6,000 After completion of premium paying term for regular premium
Lower of 15% of Lower of 4% of policy, the policy will terminate as and when the total fund value
Annualised Premium or Annualised Premium or becomes less than or equal to one Annualised Premium and
2 Regular Premium Fund Regular Premium Fund the balance fund value shall be payable to you. This situation
Value subject to a Value subject to a may result because of the combined impact of partial
maximum of R 2,000 maximum of R 5,000 withdrawals at inopportune time and fund performance.
Lower of 10% of Lower of 3% of
Annualised Premium or Annualised Premium or Other plan features/ terms and conditions
3 Regular Premium Fund Regular Premium Fund Free Look Period
Value subject to a Value subject to a
maximum of z 1,500 maximum of R 4,000 If You are not satisfied with the terms & conditions/features of the
Policy, You have the right to cancel the Policy by giving written
notice to Us stating objections/ reasons and You will receive the
non-allocated premium plus charges levied by cancellation of

21 22
units plus fund value at the date of cancellation less (a) Nomination allowed as per provisions of provisions of Section
proportionate risk premium for the period of cover (b) medical 39 of the Insurance Act 1938 as amended from time to time.
examination costs, if any and (c) stamp duty, along with Goods
and services tax and cess as applicable on above which has Prohibition of Rebates - Section 41 - of the Insurance Act,
been incurred for issuing the Policy. Such notice must be signed 1938, as amended from time to time
by You and received directly by Us within 15 days after You or 1. No person shall allow or offer to allow, either directly or
person authorized by you receives the Policy. This period of 15 indirectly, as an inducement to any person to take out or
days shall stand extended to 30 days, if the policy is sourced renew or continue an insurance in respect of any kind of risk
through distance marketing mode9. relating to lives or property in India, any rebate of the whole
9
Distance Marketing includes every activity of solicitation (including or part of the commission payable or any rebate of the
lead generation) and sale of insurance products through voice premium shown on the policy, nor shall any person taking
mode, SMS electronic mode, physical mode (like postal mail) or out or renewing or continuing a policy accept any rebate,
any other means of communication other than in person. except such rebate as may be allowed in accordance with
the published prospectuses or tables of the Insurer.
Grace Period
2. Any person making default in complying with the
If you are unable to pay your Regular Premium on time, starting provisions of this section shall be liable for a penalty which
from the date of first unpaid premium, a grace period of 30 may extend to ten lakh rupees.
days will be offered for policies on Annual, Semi- Annual or
Quarterly Modes. For Policies on monthly mode the grace About Tata AIA Life
period would be 15 days. During this period your policy is Tata AIA Life Insurance Company Limited (Tata AIA Life) is a
considered to be in force with the risk cover as per the terms & joint venture company, formed by Tata Sons and AIA Group
conditions of the policy. Limited (AIA). Tata AIA Life combines Tata’s pre-eminent
Backdating leadership position in India and AIA’s presence as the largest,
independent listed pan-Asia Life Insurance Group in the world
Backdating is not allowed in this plan spanning 18 markets in Asia Pacific. Tata Sons holds a majority
Policy Loan stake (51 per cent) in the Company and AIA holds 49 per cent
Policy Loan is not allowed in this plan through an AIA International Limited. Tata AIA Life Insurance
Company Limited was licensed to operate in India on February
Exclusions 12, 2001 and started operations on April 1, 2001.
In case of death due to suicide within 12 months from the date Disclaimers
of commencement of the policy or from the date of revival of
the policy, the nominee or beneficiary of the policyholder shall • Investments are subject to market risks.
be entitled to fund value/policy account value, as available on • Unit Linked Life Insurance products are different from the
the date of intimation of death. Any charges other than Fund traditional insurance products and are subject to the risk factors.
Management charges recovered subsequent to the date of Please know the associated risks and the applicable charges,
death shall be paid-back to the nominee or beneficiary along from your Insurance agent or the Intermediary or policy
with death benefit. document issued by the insurance company.
For exclusions on the rider benefits, please refer to the • The various funds offered under this contract are the names of
respective supplementary contract. the funds and do not in any way indicate the quality of these
Tax Benefits plans, their future prospects and returns. The underlying Fund’s
Premiums paid under this plan are eligible for tax benefits NAV will be affected by interest rates and the performance of the
under Section 80C of the Income Tax Act, 1961 and are underlying stocks.
subject to modifications made thereto from time to time. • The performance of the managed portfolios and funds is not
Moreover, life insurance proceeds enjoy tax benefits as per guaranteed and the value may increase or decrease in
Section 10(10D) of the said Act. accordance with the future experience of the managed
Income Tax benefits would be available as per the prevailing portfolios and funds. Past performance is not indicative of future
tax laws subject to fulfillment of conditions stipulated therein. performance.
Income Tax laws are subject to change from time to time. • The Premium paid in the Unit Linked Life Insurance Policies are
Tata AIA Life Insurance Company Ltd. does not assume subject to investment risks associated with capital markets and
responsibility on tax implication mentioned anywhere in this the NAVs of the units may go up or down based on the
document. Please consult your own tax consultant to know performance of fund and factors influencing the capital market
the tax benefits available to you. and the Insured is responsible for his / her decisions.
Assignment • Buying a life insurance policy is a long-term commitment. An
Assignment allowed as per Section 38 of the Insurance Act early termination of the policy usually involves high costs and the
1938 as amended from time to time. Surrender Value payable may be less than the total premiums
Nomination paid.

23 24
• The brochure is not a contract of insurance. This brochure BEWARE OF IRDAI is not involved in activities like selling insurance
should be read along with Benefit Illustration. The precise terms SPURIOUS/ policies, announcing bonus or investment of
and conditions of this plan are specified in the policy contract FRAUD PHONE premiums. Public receiving such phone calls are
available on Tata AIA Life website. CALLS! requested to lodge a police complaint.
• Tata AIA Life Insurance Company Ltd. is only the name of the
Insurance Company and Tata AIA Life Insurance Fortune Pro is
only the name of the Unit Linked Life Insurance Contract and
does not in any way indicate the quality of the contract, its future
prospects or returns.
• This product is underwritten by Tata AIA Life Insurance
Company Ltd. This plan is not a guaranteed Issuance plan and
it will be subject to Company’s underwriting and acceptance
• Insurance cover is available under this product.
• Riders are not mandatory and are available for a nominal extra
cost. For more details on benefits, premiums and exclusions
under the Rider(s), please contact Tata AIA Life's Insurance
Advisor/ Branch.
• Participation by customers shall be on voluntary basis.
• This product will be offered only to Standard lives.

Tata AIA Life Insurance Company Limited (IRDAI Regn. No.110)

CIN: U66010MH2000PLC128403. Registered & Corporate Office:
14th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg, Lower Parel, Mumbai - 400013. Trade logo displayed above belongs to Tata
Sons Ltd and AIA Group Ltd. and is used by Tata AIA Life Insurance Company Ltd under a license. For any information including cancellation, claims
and complaints, please contact our Insurance Advisor / Intermediary 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.
Unique Reference Number – L&C/Advt/2021/Feb/0120 • UIN: 110L112V04