Iss Diwali

karo Khushiyon ki guarantee

Only with

UIN: 110N120V05
 Guarantee
of not only preserving investment but also
assuring returns upto

275%
Exclusive for Premium of 5 Lacs and above
 A product like never
before in the industry…

Large Best in
Premium Class
Boost Returns

Minimum Death benefit Higher

age at entry like benefits for
30 DAYS never before Female Life

Exclusive for Premium of 5 Lacs and above

Key Benefit

Enhance Guaranteed Minimum 10 times life Option to enhance protection

returns upto 275 %^ cover from Day 1 through riders

1 3 5

2 4 6

Flexibility to choose Higher Benefits for Tax Benefits* under

PT & PPT Female lives Section 80C and 10(10D)

Premier Circle benefit

exclusively for your consumers
 2.4X Guaranteed Returns 2.6X Guaranteed Returns
You Pay You Get You Pay You Get
35 year old pays 35 year old pays
` 5 Lakh p.a. ` 5 Lakh p.a.
for just 10 years
`1,22,00,000 for just 10 years
`13,050,000

`50,00,000 Maturity benefit in

20th year
`50,00,000 Maturity benefit in
21st year

Life cover is 24.4X throughout the policy term Life cover of 26.1X throughout the policy term*
*Rounded to nearest value For training & internal circulation only.
 `5 Lac
How the plan works? Age
PT‘
35 Years | Male
20 Years
Annual Premium
Basic Sum Assured `50 Lacs
In case of Survival PPT‘ 10 Years

Lumsump of

Annual Premium of `5,00,000*

for 10 years
`1,22,00,000
is payable on Maturity `
Age 35 44 45 54

Year 1 10 11 20

Life cover of 12,200,000

during the policy term

+
Enhanced protection with rider

`1,22,00,00
Total Premium Paid `50,00,000 Total Benefit Received
0
‘PT – Policy Term, PPT – Premium Payment Term, BSA- Basic Sum Assured, AP – Annual Premium | * Premium is for Male, Standard life and is excluding applicable taxes cesses and levies | All premiums and interest payable under the
policy are exclusive of applicable taxes, duties, surcharge, cesses or levies which will be entirely borne/paid by the Policyholder, in addition to the payment of such premium or interest. Tata AIA Life shall have the right to claim, deduct,
adjust, recover the amount of any applicable tax or imposition, levied by the Government, from the benefits payable under the Policy.
Maturity Benefit Maturity Sum Assured is equal to maturity benefit factor multiplied by Total Premiums Paid, where
maturity benefit factor varies as per the gender, Policy Term, annualised premium band & entry age

Male PT- 20 Years PT- 21 Years Female PT- 20 Years PT- 21 Years

Entry Age/Annualised 5,00,000 to 10,00,000 & 5,00,000 to 10,00,000 & Entry Age/Annualised 5,00,000 to 10,00,000 & 5,00,000 to 10,00,000 &
Premium Band 9,99,999 above 9,99,999 above Premium Band 9,99,999 above 9,99,999 above

0 243% 245% 259% 262% 0 244% 246% 260% 263%

1 245% 247% 263% 265% 1 246% 248% 264% 266%
2 248% 250% 266% 268% 2 249% 251% 267% 269%
3 250% 252% 268% 270% 3 251% 253% 269% 271%
4 251% 253% 269% 272% 4 252% 254% 270% 273%
5 252% 254% 270% 273% 5 253% 255% 271% 274%
6 252% 255% 271% 273% 6 253% 256% 272% 274%
7 253% 255% 271% 274% 7 254% 256% 272% 275%
8 to 15 253% 255% 272% 274% 8 to 15 254% 256% 273% 275%
16 to 20 250% 253% 268% 271% 16 to 20 251% 254% 269% 272%
21 to 25 248% 251% 266% 269% 21 to 25 249% 252% 267% 270%
26 to 30 246% 249% 264% 267% 26 to 30 247% 250% 265% 268%
31 to 35 244% 247% 261% 264% 31 to 35 245% 248% 262% 265%
36 to 40 241% 243% 257% 260% 36 to 40 242% 244% 258% 261%
41 to 45 236% 238% 252% 254% 41 to 45 237% 239% 253% 255%
46 to 50 230% 232% 244% 246% 46 to 50 231% 233% 245% 247%
51 to 55 224% 224% 237% 237% 51 to 55 225% 225% 238% 238%
56 215% 215% 226% 226% 56 216% 216% 227% 227%
57 212% 212% 222% 222% 57 213% 213% 223% 223%
58 209% 209% 218% 218% 58 210% 210% 219% 219%
59 205% 205% 214% 214% 59 206% 206% 215% 215%
60 202% 202% - - 60 203% 203% - -
 `5 Lac
How does the plan work ? Age
PT‘
35 Years | Male
20 Years
Annual Premium
Basic Sum Assured `50 Lacs
In case of Death PPT‘ 10 Years

Sum Assured on Death Payable to the Claimant is Highest of

Annual Premium of `5,00,000* Basic Sum Assured `50,00,000
for 10 years
105% of the all the premiums paid** as on the
`15,75,000
date of death
Accidental
Death in Maturity Sum Assured `1,22,00,000
Age 35 37
Year 3

Year 1 3
“Basic Sum Assured” is 10 times of the Annualised Premium.
“Annualised Premium” shall be the premium paid in a year with respect to the
Basic Sum assured chosen by the policy holder, excluding the underwriting

Death benefit extra premiums and loading for modal premiums, if any.
“Total Premiums Paid" means amount equal to the total premiums paid during
the premium payment term of the policy. Such amount should be excluding

`1,22,00,000 interest, tax, underwriting extra premiums and loading for modal premiums, if
any.
“Maturity Sum Assured” refers to the absolute amount of benefit which is
Total premium paid `15,00,000 guaranteed to become payable on maturity of the policy.

‘PT – Policy Term, PPT – Premium Payment Term, BSA- Basic Sum Assured, AP – Annual Premium | * Premium is for Male, Standard life and is excluding applicable taxes cesses and levies | All premiums and interest payable under the
policy are exclusive of applicable taxes, duties, surcharge, cesses or levies which will be entirely borne/paid by the Policyholder, in addition to the payment of such premium or interest. Tata AIA Life shall have the right to claim, deduct,
adjust, recover the amount of any applicable tax or imposition, levied by the Government, from the benefits payable under the Policy.
Enhanced protection

Tata AIA Life Confidential Material For Training purposes & Internal Circulation Only 9
 Flexibility of Additional Coverage

+
ADDL Rider * Term Rider WOPP Rider
Ensure your family stays financially protected with the An additional layer of protection to Ensure your wishes stay protected with the
Tata AIA Life Insurance Accidental Death and secure your loved ones’ future Tata AIA Life Insurance Waiver of Premium
Dismemberment (Long scale) (ADDL) Rider Tata AIA Life Insurance Term Rider Plus (WOPP) Rider
UIN: 110B028V01 UIN : 110B030V01 UIN: 110B029V01

*The rider pays

- the Sum Assured in the event of Accidental death
- a percentage of the Sum Assured in the event of Accidental Dismemberment
- double indemnity in the event of accidents under special circumstances
The Riders are not mandatory and are available for a nominal extra cost. For more details on benefits, premiums and exclusions under the Rider, please refer to the rider brochure or contact Tata AIA Life's Insurance Advisor/ branch

Tata AIA Life Confidential Material For Training purposes & Internal Circulation Only 10
For training purposes and internal circulation only

Scenario
Mr. Ajay is a 40 year old professional working
for an MNC. He is clear that he will be retiring by
age of 60. Post his retirement he aspires to be
financially independent while also enjoying his
golden days

As caring father and supporting husband, he is

very well aware about his responsibilities
towards his Family. He wants to ensure that
things go as planned in his presence or in his
absence.

To meet these requirements, he buys Tata AIA

Life Insurance Fortune Guarantee plan with a
PPT of 10 years, Policy Term of 20 years and
Annual Premium of 10,00,000
11
 Age 40 Years | Male Annual Premium `10 Lac

How the plan works? PT‘ 20 Years Basic Sum Assured `1 Crore
PPT‘ 10 Years

Lumsump of

Annual Premium of `10,00,000*

for 10 years
` 2,43,00,000
is payable on Maturity `
Age 40 49 50 59

Year 1 10 11 20

Life cover of 2,43,00,000

during the policy term

+
Enhanced protection with rider

Total Premium Paid `1,00,00,000 Total Benefit Received `2,43,00,000

‘PT – Policy Term, PPT – Premium Payment Term, BSA- Basic Sum Assured, AP – Annual Premium | * Premium is for Male, Standard life and is excluding applicable taxes cesses and levies | All premiums and interest payable under the
policy are exclusive of applicable taxes, duties, surcharge, cesses or levies which will be entirely borne/paid by the Policyholder, in addition to the payment of such premium or interest. Tata AIA Life shall have the right to claim, deduct,
adjust, recover the amount of any applicable tax or imposition, levied by the Government, from the benefits payable under the Policy.
 Age 40 Years | Male Annual Premium `10 Lac

How the plan works? PT‘ 21 Years Basic Sum Assured `1 Crore
PPT‘ 10 Years

Lumsump of

Annual Premium of `10,00,000*

for 10 years
` 2,60,00,000
is payable on Maturity `
Age 40 49 50 60

Year 1 10 11 21

Life cover of 2,60,00,000

during the policy term

+
Enhanced protection with rider

Total Premium Paid `1,00,00,000 Total Benefit Received `2,60,00,000

‘PT – Policy Term, PPT – Premium Payment Term, BSA- Basic Sum Assured, AP – Annual Premium | * Premium is for Male, Standard life and is excluding applicable taxes cesses and levies | All premiums and interest payable under the
policy are exclusive of applicable taxes, duties, surcharge, cesses or levies which will be entirely borne/paid by the Policyholder, in addition to the payment of such premium or interest. Tata AIA Life shall have the right to claim, deduct,
adjust, recover the amount of any applicable tax or imposition, levied by the Government, from the benefits payable under the Policy.
For training purposes and internal circulation only

Pitch
You are Far-sighted and have made a wise decision
to plan for your Future. Tata AIA Life Insurance
Fortune Guarantee is one unique plan that helps
you build a healthy corpus. You will get a

▪ Guaranteed Maturity Benefit

▪ Enhanced protection with Riders
▪ Tax free Income

14
Other policy features
Policy Loan
• Policy Loan is available in this plan#
• Policyholders may apply for a policy loan within the extent of 65% of Surrender Value
• The Policy must be assigned to Tata AIA Life

# Provided the policy acquires Surrender Value

Free Look Period Grace Period Reinstatement Backdating

15
Non Forfeiture Benefit
• If the full premium for the first 2 policy years are not paid for PPT 5 years and first 3 policy years are not
paid for PPT 10 years within the grace period, the policy will lapse from the due date of first unpaid
premium and no benefits will be payable.
• The policy will be converted into a Paid-up policy by default, provided full premiums for the first 2 policy
years are paid for PPT 5 years and first 3 policy years are paid for PPT 10 years and subsequent premiums
remain unpaid.
• Reduced Paid up policy is a default non forfeiture benefit

The benefits payable will be as below:

Death Benefit is Maturity Benefit is

Sum Assured on Death x (No. of premiums Maturity Benefit Factor x Total premiums
paid) / (No. of premiums payable, during the paid
entire policy term)

Subject to a minimum of 105% of Total Premiums Paid,

as on the date of Death

From the due date of First Unpaid Premium, but not later than 2 years from the due date of First
Unpaid Premium; the policy can be revived by payment of full arrears of premiums together with
interest.

16
Tax Benefits
Premiums paid under this plan are eligible for tax benefits under Section 80C of the Income Tax Act, 1961 and are
subject to modifications made thereto from time to time. Moreover, life insurance proceeds enjoy tax benefits as per
Section 10(10D) of the said Act.

Tata AIA Life Confidential Material For Training purposes & Internal Circulation Only 17
 Plan at a Glance
Minimum Entry Age
Maximum Entry Age
Maximum Maturity Age
Policy Term (PT)
Premium Payment Term (PPT)
Premium Mode
Minimum Annualised Premium
Maximum Annualised Premium
Basic Sum Assured
Increase / Decrease in Basic SA
Underwriting
Backdating
30 Days -For PT 20 Years and 21 Years
60 years (last birthday) For PT 20 Years
59 years (last birthday) For PT 21 Years
80 years for PT 20 and 21 years
20 and 21 years
10 Pay for PT 20 and 21
Annual / Semi-annual / Quarterly / Monthly
5,00,000 (Premium will be allowed in multiple of 100)
No Limit, subject to Underwriting
10 times Annualised Premium#
Not Allowed
Fully Underwritten
Allowed
Fortune Guarantee
consumers are Premier…

AndPremier needs to be
treated differently
Premier Circle - Differentiated Services
Special Service Team: Premier Process Unit (PPU)-
Overseas Medicals: Support on
PremierProcessUnit@tataaia.com to attend to
medicals offered at Singapore,
consumer requirements, service issues,
Hong Kong, Dubai and Malaysia
escalations etc.

Home Visit : 100% home visit provided for all Blood

test and ECG test. Centre visit would be required Dedicated Medical helpdesk
for certain test i.e TMT, X-Ray, USG etc.

Preferred Diagnostic Center & Multispecialty Hospitals: New Business Processing:

700+ A Grade diagnostic centers (DCs) available pan India. Dedicated team and fast tracking of
Medicals can be scheduled at high –end /best in class cases at Digital Support Team (DST)
multispecialty hospitals and Underwriting

Escort Facility: For cases with ANP ≥ INR 5 lakhs,

the escort visits the medical center for a seamless Policy kit: Exclusive look and feel
process
 Good Health – Wellness initiative
Health check up / wellness packages to
Consumer’s family members
Consumers undergoing medicals within 2 days
of Policy Submission are eligible for
customized wellness offering (Good Health)
Consumer to make full payment for availed
package online through the payment
gateway link

Single time Offer : Consumer / Consumer

+ Dependents (Spouse + 3 dependents –
max. 2 Children, Mother, Father)

Reputed medical diagnostics center

availability
Social Media
Branding &
Marketing for
Sales &
Marketing
Professionals
 100%
EP credit
Disclaimer
• This material belongs to Tata AIA Life Insurance Company Ltd. Any unauthorized use, reprint or circulation is prohibited
• Strictly for internal circulation and not meant for distribution to public. Training & education material and not to be used for solicitation
• For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale
• Insurance cover is available under this product
• Tata AIA Life Insurance Fortune Guaranteed UIN: 110N120V05
• A Non-linked Non-participating Endowment Insurance Plan
• Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the Surrender Value payable
may be less than the total premiums paid
• 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
• Premiums shown are for standard lives.
• Riders are not mandatory and are available for a nominal extra cost. For more details on benefits, premiums and exclusions under the Rider, please
contact Tata AIA Life's Insurance Advisor/ Intermediary/ Branch
• In case of non-standard lives and on submission of non-standard age proof, extra premiums will be charged as per our underwriting guidelines.
• Risk cover commences along with policy commencement for all lives, including minor lives.

BEWARE OF SPURIOUS /FRAUD PHONE CALLS!

IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.z`

Tata AIA Life Insurance Company Ltd. (IRDAI Regn. No. 110) CIN No. U66010MH2000PLC128403
Registered & Corporate Office: 14th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg, Lower Parel, Mumbai - 400013
For any information including cancellation, claims and complaints, please contact our Insurance Advisor or visit Tata AIA Life’s nearest branch office or call 1-860-266-9966 (local charges apply) or write to us at
customercare@tataaia.com. Visit us at: www.tataaia.com or SMS 'LIFE’ to 58888
24