This plan is also available for sale through online mode on Company website www.tataaia.com.

Policies sourced through PoS Channel will not have any medical examination.

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 and recover the amount of any applicable tax or imposition, levied by any statutory or administrative body, from the benefits payable under the Policy.

In case of non-standard lives and on submission of non-standard age proof, extra premiums will be charged as per our underwriting guidelines.

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 all the Premiums Paid.

Risk cover commences along with policy commencement for all lives, including minor lives.

This product brochure should be read along with Benefit Illustration.

The brochure is not a contract of insurance. The precise terms and conditions of this plan are specified in the Policy contract available on Tata AIA Life website.

Insurance cover is available under this product.

• Tata AIA Life Guaranteed Return Insurance Plan (Individual, Non-Linked, Non-Participating, Life Insurance Savings Plan) • UIN: 110N152V16
• ~Guaranteed Addition (Endowment option) defined as a percentage of GMB shall accrue at a simple rate for each completed policy year starting 2nd policy year, throughout the Policy Term and shall be payable on Maturity or Death whichever is earlier, subject to all due premiums being paid. GA shall accrue @ 7.5% of GMB
• Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfilment of conditions stipulated therein. Income Tax laws are subject to change from time to time. Tata AIA Life Insurance Company Ltd. does not assume responsibility on tax implications mentioned anywhere on this site. Please consult your own tax consultant to know the tax benefits available to you.
• ^{^}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.
  • Tata AIA Vitality Health - A Non-Linked, Non- Participating Individual Health rider (UIN: 110B045V03 or any other later version)
  • Tata AIA Vitality Protect - A Non-Linked, Non- Participating Individual Health rider (UIN: 110B046V04 or any other later version)
  • Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider - A Non-Linked, Non- Participating Individual Health Rider (UIN:110B033V04 or any other later version)  
  • Tata AIA Life Insurance Non-Linked Comprehensive Health Rider - A Non-Linked, Non- Participating Individual Health Rider (UIN: 110B031V03 or any other later version)
  • Tata AIA Benefit Protection Rider - A Non-Linked, Non-Participating Individual Health Rider (UIN: 110B049V02 or later version) are available under this plan.
    
    *Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your insurer carrying on life insurance business. If your policy offers guaranteed benefits then these will be clearly marked “guaranteed’. If your policy offer variable benefits then it will show two different rates of assumed future investment returns. These assumed rates of return are not guaranteed and these are not the upper or lower limits of what you might get back, as the value of your policy is dependent on a number of factors including actual future investment performance.
    
    *Guaranteed Income shall be total of Guaranteed annual Income plus Income Booster payable in a year. Guaranteed Income as per the chosen Income Frequency shall commence after maturity till the end of the Income Period, irrespective of survival of the life insured(s) during the Income Period.
     
• The products are underwritten by Tata AIA Life Insurance Company Ltd.
• The plans are not a guaranteed issuance plan and it will be subject to Company’s underwriting and acceptance.
• For more details on risk factors, terms and conditions please visit us at: www.tataaia.com
• No Goods and Service Tax shall be applicable on Individual life insurance products as per prevailing laws. Tax laws are subject to amendments from time to time. If any imposition (tax or otherwise) is levied by any statutory or administrative body under the Policy, Tata AIA Life Insurance Company Limited reserves the right to claim the same from the Policyholder.

IndusInd Bank Ltd. (“IBL”) (IRDAI Registration No. CA0001) is the Corporate Agent of Tata AIA Life Insurance Company Limited www.tataaia.com. IBL does not underwrite the risk or act as an insurer. Participation by IBL's clients in insurance products is purely voluntary and is not linked to the availing of any Banking Products/Services. The insurance Contract is between the Insurer and the Insured, and not between IBL and the Insured.

Registered Address: IndusInd Bank Limited, 2401, Gen Thimmayya Road (Cantonment), Pune – 411001.

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 at 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 use customercare@tataaia.com. Visit us at: www.tataaia.com

L&C/Advt/2026/Jul/4274

BEWARE OF SPURIOUS PHONE CALLS AND FICTIOUS / FRAUDULENT OFFERS
^{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.}