Tata AIA Guaranteed Return Insurance Plan
  • 3 Plan Options
  • Whole Life Protection
  • Joint Life Cover
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Customized Investment Plan for you.

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Tata AIA Guaranteed Return Insurance Plan

Tata AIA Guaranteed Return Insurance Plan by Tata AIA Life Insurance is a savings plan with assured life cover. With this plan, you can build wealth with guaranteed returns and enjoy life coverage throughout the policy term.

With this plan, you can choose a premium payment term mode to maximize your savings or pay a lump sum amount as a single pay. Under the endowment option, a percentage of the Guaranteed Maturity Benefit will be accrued each policy year and shall be paid at maturity. What's more, the plan allows you to add your spouse to the same policy with a joint life cover feature. You can even customize the plan for additional protection and increase life cover with multiple rider options.

Tata AIA Guaranteed Return Plan offers you a range of benefits including:

why-choose
  • Choice of 3 plan variants
  • Guaranteed maturity benefit
  • Guaranteed additions
  • Choice of multiple policy terms
  • Choice of rider options

Eligibility Criteria for Tata AIA Guaranteed Return Insurance Plan

Your Occupation

Entry age

Minimum Age - 45 years Maximum Age - 65 years

Mukhyamantri Amrutam Yojana

Maturity age

Subject to lower of max-age at entry plus policy term

Your Gender

Policy tenure

6 to 13 years

Maternity Benefit Rider

Premium payment term

5 to 12 years

Dr YSR Aarogyasri Trust

Premium payment frequency

Annual, half-yearly, quarterly & monthly

Maternity Benefit Rider

Sum assured

Death Benefit Multiple x Annualized Premium

How Does the Tata AIA Guaranteed Return Insurance Plan Work?

Let's understand how the Tata AIA Guaranteed Return Insurance Plan works with a simple premium illustration.

Why Buy Term Insurance Online?

Problem

Mrs. Verma is looking for an investment plan to create long-term wealth for her child.

Solution

Her financial advisor advised her to buy the Tata AIA Guaranteed Return Insurance Plan. She visited PolicyX.com

Features of Tata AIA Guaranteed Return Insurance Plan

Here are some features of Tata AIA Guaranteed Return Insurance Plan:

Tata AIA Investment Plans

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Unique Features

  • Compound Reversionary Bonus
  • Large Scale Discounts
  • Guaranteed Income

Diamond Savings Plan (Pros)

Diamond Savings Plan
  • Guaranteed Maturity Benefit
  • Compound Reversionary
  • Terminal Bonus

Diamond Savings Plan (Cons)

Diamond Savings Plan
  • No Plan Options
  • No High Sum Assured Rebate
  • No Auto Cover Continuance
  • Guaranteed Additions

Diamond Savings Plan (Other Benefits)

Diamond Savings Plan
  • Guaranteed Death Benefit
  • Guaranteed Income
  • Large Scale Discounts

Diamond Savings Plan (Eligibility Criteria)

Diamond Savings Plan
  • Minimum entry age- 0 year
  • Maximum entry age- 50 years
  • Sum assured- 11 times of the Annualised Premium
  • Maximum policy term- 25 years

Tata AIA Gold Income Plan is a non-liked individual life insurance saving plan. This plan is designed to offer guaranteed returns and life insurance p...

Unique Features

  • Get guaranteed income
  • Income booster available
  • Enhanced protection through riders

Gold Income Plan (Pros)

Gold Income Plan
  • Get guaranteed income
  • Income booster available
  • Enhanced protection through riders

Gold Income Plan (Cons)

Gold Income Plan
  • Suicide does not covered
  • Air accidents not covered

Gold Income Plan (Other Benefits)

Gold Income Plan
  • Increasing income with Income Boosters
  • Guaranteed income starting @12% of basic SA
  • Pay for 5/12 years for policy term of 12/15 years

Gold Income Plan (Eligibility Criteria)

Gold Income Plan
  • Minimum entry age- 3 year
  • Maximum entry age- 65 years
  • Sum assured- Annualised Premium x Basic SA Multiple
  • Maximum policy term- 15 years

Invest smartly with Tata AIA Smart Income Plus – secure savings, guaranteed income, and financial security. A wise man once said, 'Be ready for ...

Unique Features

  • Income/Endowment Option
  • Premium Boost Discounts
  • 2 Optional Riders

Tata AIA Smart Income Plus Plan (Pros)

Tata AIA Smart Income Plus Plan
  • Income/Endowment Option
  • Premium Boost Discounts
  • 2 Optional Riders

Tata AIA Smart Income Plus Plan (Cons)

Tata AIA Smart Income Plus Plan
  • Suicide within 12 months not covered
  • Consumption of any intoxicants
  • Death due to any aviation accident
  • Death due to any adventurous sports

Tata AIA Smart Income Plus Plan (Other Benefits)

Tata AIA Smart Income Plus Plan
  • Guaranteed Maturity Benefit
  • Flexibility to choose plan options
  • Guaranteed Death Benefit
  • Regular Income

Tata AIA Smart Income Plus Plan (Eligibility Criteria)

Tata AIA Smart Income Plus Plan
  • Minimum entry age- 0 year
  • Maximum entry age- 50 years
  • Sum assured- 11 times Annualized Premium
  • Maximum policy term- 25 years

Tata AIA Fortune Guarantee Plus by Tata AIA Life Insurance is an individual non-linked life insurance savings plan. It is designed to provide the dual...

Unique Features

  • Guaranteed annual income
  • Joint life option
  • 2% online discount for women

Fortune Guarantee Plus (Pros)

Fortune Guarantee Plus
  • Guaranteed annual income
  • Joint life option
  • 2% online discount for women

Fortune Guarantee Plus (Cons)

Fortune Guarantee Plus
  • Death due to any aviation accident
  • Death due to adventurous sports
  • Suicidal death

Fortune Guarantee Plus (Other Benefits)

Fortune Guarantee Plus
  • Choice of income period
  • Option to choose joint life policy
  • Return of premium option

Fortune Guarantee Plus (Eligibility Criteria)

Fortune Guarantee Plus
  • Entry Age: Minimum Age - 1 year Maximum Age - 60 years
  • Maturity Age: 77 years

Tata AIA MahaLife Gold is a traditional life insurance savings plan offered by Tata AIA Life Insurance. It offers whole-life coverage up to the age of...

Unique Features

  • Whole life coverage
  • Paid annual income
  • Guaranteed amount on maturity

Tata AIA MahaLife Gold (Pros)

Tata AIA MahaLife Gold
  • Whole life coverage
  • Paid annual income
  • Guaranteed amount on maturity

Tata AIA MahaLife Gold (Cons)

Tata AIA MahaLife Gold
  • No pre-existing condition
  • Suicidal exclusion
  • No auto-cover continuance

Tata AIA MahaLife Gold (Other Benefits)

Tata AIA MahaLife Gold
  • Tax benefits
  • Death benefits
  • Maturity benefits

Tata AIA MahaLife Gold (Eligibility Criteria)

Tata AIA MahaLife Gold
  • Minimum entry age- 30 days
  • Maximum entry age- 65 years
  • Sum assured- No limit
  • Maximum policy term- 100 minus entry age

Invest Smartly with Tata AIA Monthly Income Plan – Guaranteed Income and Assured Life Cover. Tata AIA Life Insurance Guaranteed Monthly Income P...

Unique Features

  • Large Premium Boost
  • Guaranteed Monthly Income
  • 3D cover

Tata AIA Guaranteed Monthly Income (Pros)

Tata AIA Guaranteed Monthly Income
  • Large Premium Boost
  • Guaranteed Monthly Income
  • 3D cover

Tata AIA Guaranteed Monthly Income (Cons)

Tata AIA Guaranteed Monthly Income
  • No pre-existing condition
  • Suicidal exclusion
  • No auto-cover continuance

Tata AIA Guaranteed Monthly Income (Other Benefits)

Tata AIA Guaranteed Monthly Income
  • Death Benefits
  • Maturity Benefits
  • Guaranteed Additions

Tata AIA Guaranteed Monthly Income (Eligibility Criteria)

Tata AIA Guaranteed Monthly Income
  • Minimum entry age- 6 years
  • Maximum entry age- 13 years
  • Sum assured- 11 times the Annualised Premiums
  • Maximum policy term- 12 years

To Save More, Invest Smartly with the Tata AIA Smart Value Income Plan. Tata AIA Smart Value Income plan, from Tata AIA Life Insurance, is a guarantee...

Unique Features

  • Whole Life Cover
  • Life Protect Feature
  • Premium Offset Benefit

Tata AIA Smart Value Income Plan (Pros)

Tata AIA Smart Value Income Plan
  • Whole Life Cover
  • Life Protect Feature
  • Premium Offset Benefit

Tata AIA Smart Value Income Plan (Cons)

Tata AIA Smart Value Income Plan
  • No pre-existing condition
  • Suicidal exclusion
  • No auto-cover continuance

Tata AIA Smart Value Income Plan (Other Benefits)

Tata AIA Smart Value Income Plan
  • Death Benefits
  • Maturity Benefits
  • Tax Benefits

Tata AIA Smart Value Income Plan (Eligibility Criteria)

Tata AIA Smart Value Income Plan
  • Minimum entry age- 45 years
  • Maximum entry age- 65 years
  • Sum assured- Death Benefit Multiple of 10 times Single Premium
  • Maximum policy term- 100 minus entry age

Tata AIA Guaranteed Return Insurance Plan by Tata AIA Life Insurance is a savings plan with assured life cover. With this plan, you can build wealth w...

Unique Features

  • 3 Plan Options
  • Whole Life Protection
  • Joint Life Cover

Tata AIA Guaranteed Return Insurance Plan (Pros)

Tata AIA Guaranteed Return Insurance Plan
  • 3 Plan Options
  • Whole Life Protection
  • Joint Life Cover

Tata AIA Guaranteed Return Insurance Plan (Cons)

Tata AIA Guaranteed Return Insurance Plan
  • No pre-existing condition
  • Suicidal exclusion
  • No auto-cover continuance

Tata AIA Guaranteed Return Insurance Plan (Other Benefits)

Tata AIA Guaranteed Return Insurance Plan
  • Guaranteed Additions
  • Maturity Benefits
  • Death Benefits

Tata AIA Guaranteed Return Insurance Plan (Eligibility Criteria)

Tata AIA Guaranteed Return Insurance Plan
  • Minimum entry age- 45 years
  • Maximum entry age- 65 years
  • Sum assured- Death Benefit Multiple x Annualized Premium
  • Maximum policy term- 13 years
Tired of Pushy Sales? Get Insurance, Your Way Tired of Pushy Sales? Get Insurance, Your Way

Benefits of the Tata AIA Guaranteed Return Plan

There are various benefits to buying the Tata AIA Guaranteed Return Plan. Let’s understand each of them in detail:

  • Death Benefit: Upon life-insured untimely death during the policy term, and the policy is in force, the sum assured on death payable may vary as per the plan option you chose at policy inception.
  • Maturity Benefit: Once you survive till the end of the policy term and your policy matures, a lump sum benefit equal to the guaranteed maturity benefit, along with the accrued guaranteed additions (GA), shall be payable.
  • Regular Income: If the policyholder survives until the policy matures and all premiums are paid on time, a guaranteed annual income shall start as a percentage of one annualized premium.
  • Surrender Benefit: You can surrender your policy anytime during the policy term once your policy acquires a surrender value. The policy obtains a surrender value once you've paid the full premiums for the first two years.

Documents Required to Buy Tata AIA Guaranteed Return Insurance Plan

Here is the list of documents required to buy the Tata AIA Guaranteed Return Insurance Plan:

Photo ID Proof

Photo ID Proof (either of one) - Passport, Aadhar card, PAN card, Driving license.

How to Buy Tata AIA Guaranteed Return Insurance Plan?

You can buy the Tata AIA Guaranteed Return Insurance Plan official website or one of their nearest branch offices.

Life Insurance
  • Step 1

    Visit the official website of PolicyX.com.

  • Step 2

    Click on the ‘Investment’ tab.

  • Step 3

    A new page will appear on the screen.

  • Step 4

    Fill out the form at the top of the page with the necessary details.

  • Step 5

    Select your income and city. Click on 'Proceed'.

  • Step 6

    Update your education and occupation details.

  • Step 7

    Choose your preferred plan and click on 'Buy this plan'.

  • Step 8

    Select the policy term, premium period, investment amount, and riders (if required), and then proceed to pay.

Life Insurance
  • Step 1

    Visit the official website of Tata AIA Life Insurance.

  • Step 2

    Hover over the 'Plans' from the top of the menu.

  • Step 3

    Click on the ' Tata AIA Guaranteed Return Insurance Plan'.

  • Step 4

    Click on ‘Buy Now’ and you will be redirected to a new page.

  • Step 5

    Enter your name and contact information. One of their representatives will reach out to you and discuss the quotes.

  • Step 6

    Once discussed you can make the premium payment and get the policy documents.

Buying from their branch office

You can buy the Tata AIA Guaranteed Return Insurance Plan offline by visiting one of their nearest branch offices. One of their representatives will help you buy the plan.

Your Occupation

Exclusions of the Tata AIA Guaranteed Return Insurance Plan

Given below are some exclusions of the Tata AIA Guaranteed Return Plan-

  • Suicide within 12 months of the policy purchase is not covered.

  • Consumption of any intoxicants.

  • Death due to any aviation accident.

  • Death due to any adventurous sports.

Plan At a Glance

What’s Good Here What’s Missing
Choice of 3 plan variants Premium Offset

Guaranteed maturity benefits

Premium Discontinuance
Guaranteed additions Auto cover continuance
Choice of rider options Top-up premium

In a nutshell

Tata AIA Guaranteed Return Insurance Plan is a savings plan that provides guaranteed income along with assured life cover. The plan allows you to choose between three different options as per your needs – lump sum (endowment), regular income, and whole-life income. Each variant is designed to serve long-term or short-term financial goals. If you are still not sure if this is worth spending money on, contact our insurance experts at PolicyX.com anytime for free advice. Our insurance experts can help you get all the answers you need quickly.

FAQs: Tata AIA Guaranteed Return Insurance Plan

1. Is Tata’s Guaranteed Return Insurance Plan good?

Tata Guaranteed Return Insurance is a savings plan offering guaranteed returns and assured life cover for up to 100 years.

2. Can I get any tax benefits from this plan?

Yes, you can avail yourself of an income tax exemption per applicable income tax laws and save up to Rs 46,800 in taxes.

3. What is the minimum premium in the Tata AIA Guaranteed Income plan?

The minimum premium amount to be paid in the Tata AIA Guaranteed Income plan is ₹24,000 annually.

4. Does this plan provide an option for a joint life cover?

Yes, with the whole-life income option, you can add your spouse to the same policy and get coverage for two people.

5. What is the income period under this plan?

A guaranteed annual income shall start from the end of the year following maturity for a defined income period based on the policy term

Life Insurance Companies

Compare and buy the most suitable Life Insurance Plan from the below-mentioned IRDAI-approved Life Insurance companies.

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Sahil Singh Kathait

Written By: Sahil Singh Kathait

A boy-in-squares bagging escapades of switching streets in groove & sensing musical airy-notes from 6 1". Under wayed nyctophile sketching the walls of life from the panorama of anime.