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

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 100 years, along with regular income starting right after completion of the premium paying term. Whether you are a salaried employee or running a business, Tata AIA Maha Life Gold can be bought by anyone. 

Wait, this list is still ongoing…like stocks, this plan also pays a dividend annually (non-guaranteed) starting from the sixth policy year. Moreover, Tata AIA Mahalife Gold is aimed at individuals seeking a reliable plan that combines insurance protection with wealth accumulation, making it suitable for long-term financial planning and legacy creation.

Tata AIA MahaLife Gold Plan offers you a range of benefits including:

why-choose
  • Lifetime cover up to 100 years of age
  • Maturity benefits
  • Guaranteed additions
  • Cash bonuses
  • Survival benefits

Eligibility Criteria for Tata AIA MahaLife Gold

Your Occupation

Entry age

Minimum Age - 30 days, Maximum Age - 60 years

Mukhyamantri Amrutam Yojana

Maturity age

100 years

Your Gender

Policy tenure

100 minus Entry Age

Maternity Benefit Rider

Premium payment term

Same as policy term

Dr YSR Aarogyasri Trust

Premium payment frequency

Annual, half-yearly, quarterly & monthly

Maternity Benefit Rider

Sum assured

No limit

How Does the Tata AIA MahaLife Gold Plan Work?

Let's understand how the Tata AIA MahaLife Gold 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 MahaLife Gold Plan. She visited PolicyX.com

Features of Tata AIA MahaLife Gold

Here are some features of Tata AIA MahaLife Gold:

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Diamond Savings Plan (Cons)

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Diamond Savings Plan (Other Benefits)

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  • Guaranteed Death Benefit
  • Guaranteed Income
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Diamond Savings Plan (Eligibility Criteria)

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

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Gold Income Plan (Cons)

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Gold Income Plan (Other Benefits)

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Gold Income Plan (Eligibility Criteria)

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Tata AIA Smart Income Plus Plan (Cons)

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  • Consumption of any intoxicants
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Tata AIA Smart Income Plus Plan (Other Benefits)

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  • Guaranteed Maturity Benefit
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  • Guaranteed Death Benefit
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Tata AIA Smart Income Plus Plan (Eligibility Criteria)

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  • Minimum entry age- 0 year
  • Maximum entry age- 50 years
  • Sum assured- 11 times Annualized Premium
  • Maximum policy term- 25 years

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Fortune Guarantee Plus (Pros)

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Fortune Guarantee Plus (Cons)

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Fortune Guarantee Plus (Other Benefits)

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Fortune Guarantee Plus (Eligibility Criteria)

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

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  • Whole life coverage
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  • 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)

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

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Tata AIA Guaranteed Monthly Income (Pros)

Tata AIA Guaranteed Monthly Income
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Tata AIA Guaranteed Monthly Income (Cons)

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  • 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)

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  • Minimum entry age- 6 years
  • Maximum entry age- 13 years
  • Sum assured- 11 times the Annualised Premiums
  • Maximum policy term- 12 years

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  • Whole Life Cover
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Tata AIA Smart Value Income Plan (Pros)

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Tata AIA Smart Value Income Plan (Cons)

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Tata AIA Smart Value Income Plan (Other Benefits)

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Tata AIA Smart Value Income Plan (Eligibility Criteria)

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  • Minimum entry age- 45 years
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Tata AIA Guaranteed Return Insurance Plan (Cons)

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  • No pre-existing condition
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Tata AIA Guaranteed Return Insurance Plan (Other Benefits)

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  • Guaranteed Additions
  • Maturity Benefits
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Tata AIA Guaranteed Return Insurance Plan (Eligibility Criteria)

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  • Minimum entry age- 45 years
  • Maximum entry age- 65 years
  • Sum assured- Death Benefit Multiple x Annualized Premium
  • Maximum policy term- 13 years
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Benefits of the Tata AIA MahaLife Gold Plan

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

  • Death Benefit: Upon the unfortunate demise of the life insured during the policy term, Tata AIA Mahalife Gold pays the death benefit to the nominee.
  • Maturity Benefit: Once life-insured survives the whole policy tenure, Tata AIA MahaLife Gold pays the basic sum assured as the maturity amount.
  • Policy Loan: This Plan also offers a loan facility to its customers. You can apply for a loan of up to 65% of the total surrender value of your plan.
  • Tax Benefit: You can avail of tax benefits for premiums paid to Tata AIA MahaLife Gold under the Income Tax Act 1961.

Documents Required to Buy Tata AIA MahaLife Gold Plan

Here is the list of documents required to buy the Tata AIA MahaLife Gold Plan:

Photo ID Proof

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

How to Buy Tata AIA MahaLife Gold?

You can buy the Tata AIA MahaLife Gold 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 Mahalife Gold 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 Mahalife Gold 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 Mahalife Gold

Given below are some exclusions of the Tata AIA MahaLife Gold 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
Life coverage Joint Life Coverage

Cash bonuses

No High Sum Assured Rebate
Additional Bonuses  Large Premium Boost Discounts 
Life Protect Feature  Top-up premium

In a nutshell

Tata AIA MahaLife Gold Plan is one of the best saving plans that offers dual benefits- life coverage and maturity benefits to secure your financially. Tata AIA Mahalife Gold is aimed at individuals seeking a reliable plan that combines insurance protection with wealth accumulation, making it suitable for long-term financial planning and legacy creation. To learn more about this plan's features, visit PolicyX.com.

FAQs: Tata AIA MahaLife Gold

1. What is the minimum entry age to purchase Tata AIA Mahalife Gold Plan?

The minimum age to purchase the Tata AIA Mahalife Gold Plan is 30 days.

2. How much of the sum assured is available in the Tata AIA MahaLife Gold Plan?

The Tata AIA Mahalife Gold Plan offers a sum assured starting from 1 lac with no upper limit.

3. How much insurance coverage is available in the Tata AIA Mahalife gold Plan?

This Plan offers Lifetime coverage up to 100 years of age.

4. What is the Tata AIA MahaLife Gold income dividend payout rate?

Tata AIA Maha Life Gold Income Plan has a dividend payout rate of 70 per 1000.

5. Did I have to pay taxes on the maturity of the Tata AIA Mahalife Gold Income Plan?

No, the maturity of this plan is entirely under section 1010D of income tax.

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varun saxena

Written By: Varun Saxena

I am a passionate content writer with over three years of experience in the insurance domain. An avid learner, I always tries stays ahead of the industry's trends, ensuring my writing remains fresh and includes the latest insurance shifts. Through my work, I strive to engage with targeted insurance readers.