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Tata AIG Life Nirbhay Life More Details
Tata AIG Life has a whole new participating plan which will surprise you continually with its remarkable benefits. Premiums are payable only for the first 9 years, after which you will receive all your money and much more!
• You can opt for a policy that lasts 12, 15 or 20 years.
• During the term of the policy, you will receive 130% of the sum assured including coupons.
Tax Benefits, Additional Benefits and Age Eligibility
• Premiums paid under this plan are eligible for tax benefits under Section 80C of the Income Tax Act, 1961. Any sum received under this plan is exempt from tax under section 10(10D) of the Income Tax Act, 1961.*
• For insured age of less than 18 years, the Payor benefit is inbuilt.
• For insured age of 18 years and above, waiver of premium and accidental death benefit are inbuilt.
• Anyone in the age group 6 years - 55 years is eligible for the policy.
Adult
You work hard to ensure that your family has enough money to lead a good life. Who will look after your family if something happens to you?
Assure One year/ Five Years/10 Years/ 15 Years / 20 Years / 25 Years,Lifeline Plans, and Term to age 60 known as Assure Lifeline to Age 60 More Details
If you are looking for high coverage at an affordable cost, this policy is for you. Your family can maintain their current lifestyle, even if something happens to you.
Key features include:
• Coverage is available for 1, 5, 10, 15, 20 and 25 years or until age 60.
• Term plans can be converted into any of our select savings plans, at attained age premium rates.
Tax Benefits, Riders and Age Eligibility
• Premiums paid under this plan are eligible for tax benefits under Section 80C of the Income Tax Act, 1961. Any sum received under this plan is exempt from tax under section 10(10D) of the Income Tax Act, 1961.*
• Policy is available to persons between the ages of 18 and 60 years and varies based on the term of the policy.
Assure 10 Years / 20 Years / 30 Years Security & Growth Plans More Details
This endowment policy enables your dependants to receive the sum assured in the unfortunate event of your death while this policy is still in force. If you should outlive the policy term, you will still receive the sum assured, along with a range of bonuses. This plan is ideal as a retirement planning tool.
Key features include:
• A guaranteed addition of 10% of the sum assured if the policy has been in force for 10 years or more, is payable on death or maturity.
• A reversionary bonus is payable on death or maturity.
• A Terminal bonus paid on maturity or death if the policy has been in force for a minimum 10 years.
• Reversionary and Terminal bonuses are non-guaranteed and are dependent on Company performance.
Tax Benefits, Riders and Age Eligibility
• Premiums paid under this plan are eligible for tax benefits under Section 80C of the Income Tax Act, 1961. Any sum received under this plan is exempt from tax under section 10(10D) of the Income Tax Act, 1961.*
• Term, Accident, Disability and Critical Illness riders are available for added protection.
• Policy duration can be 10, 20 or 30 years. A 10 year policy is available for all persons between 18 and 65 years of age. 20 year policies are available for persons between the ages of 18 and 55. 30 year policies are available for persons between the ages of 18 and 45.
Assure 21 Years Money Saver More Details
This savings plan gives you the cash payments at specified intervals to fund your family's needs at critical milestones or support your financial obligations. You get the dual benefits of life insurance coverage plus the flexibility of periodic payments.
Key features include:
• 10% of the sum assured is paid on survival on the 3rd /6th /9th /12th /15th and 18th policy anniversaries.
• 40% of the sum assured will be paid on maturity (i.e. on the 21st anniversary of this policy).
• The entire sum assured is distributed to your beneficiaries, irrespective of cash payments already made, in the unfortunate event of your death before the end of the policy's term.
• A 10% Guaranteed Addition is payable on death or maturity, if the policy has been inforce for 10 years.
• A reversionary and terminal bonus payable on death or maturity. Terminal bonus is available only if policy is in force for more than 10 years.
• Bonuses are paid depending on performance of the company.
Tax Benefits, Riders and Age Eligibility
• Premiums paid under this plan are eligible for tax benefits under Section 80C of the Income Tax Act, 1961. Any sum received under this plan is exempt from tax under section 10(10D) of the Income Tax Act, 1961.*
• Term, Critical Illness, Accident and Disability riders are available for added protection at a nominal extra cost.
• Minimum age to qualify for this product is 30 days. Maximum age limit is 55 years.
• For juveniles only Payor benefit rider is available.
Assure Golden Years is an endowment policy that provides both safety and steady returns. In the unfortunate event of your death, your dependants will receive the sum assured; otherwise your savings will continue to grow. Should you live past the term of the policy, you will receive both the sum assured as well as a host of bonuses.
Key features include:
• A guaranteed addition of 10% of the sum assured if the policy has been in force for 10 years or more, is payable on death or maturity.
• A reversionary bonus is payable on death or maturity.
• A Terminal bonus paid on maturity or death if the policy has been in force for a minimum 10 years.
• Reversionary and Terminal bonuses are non-guaranteed and are dependent on Company performance.
Tax Benefits, Riders and Age Eligibility
• Premiums paid under this plan are eligible for tax benefits under Section 80C of the Income Tax Act, 1961. Any sum received under this plan is exempt from tax under section 10(10D) of the Income Tax Act, 1961.*
• Term, Accident, Disability and Critical Illness riders are available for added protection.
• Policy duration runs from the time of purchase up to age 60.
• Policy is available for persons between 18 to 50 years of age.
InvestAssure II is a unique, flexible insurance plan, which combines the security of a life insurance policy with the opportunity to exploit the upside of market returns by investing in different kinds of securities through multiple fund options. You can direct the investments by creating your own investment fund portfolio from a range of options to suit your needs and preferences.
Key features include:
• Policy terms of 15, 20 or 30 years.
• No penalty for surrendering the policy any time after the 6th year.
• The Sum Assured is a multiple of the Annual Regular Premium payable. The multiple varies according to age at entry and policy term. You have a choice of premium multiples to choose from.
• Any premium not deducted for coverage and charges may be invested in a wide range of investment vehicles, including: an Equity Fund, Income Fund, Aggressive Growth Fund, Stable Growth Fund and a Short Term Fixed Income Fund.
• InvestAssure II also offers the flexibility to switch between funds, premium top-ups, partial withdrawal, premium holiday, policy reinstatement, and multiple premium payment modes.
Tax Benefits, Riders and Age Eligibility
• Premiums paid under this plan are eligible for tax benefits under Section 80C of the Income Tax Act, 1961. Any sum received under this plan is exempt from tax under section 10(10D) of the Income Tax Act, 1961. *
• Attach Accident, Waiver of premium, Payor Benefit (for juvenile policy) and Critical Illness riders to this policy at a nominal extra cost for added protection.
InvestAssure Gold is a non-participating Whole Life Unit Linked insurance plan, which offers you the unique advantage of combining the protection and tax advantages of life insurance with the attractive prospects of investing in different kinds of securities through multiple fund options. With this plan, you can direct the investments by creating your own investment fund portfolio from a range of options to suit your needs and preferences.
Key features include:
• Flexibility to choose your premium payment term: 5 years or for the entire duration of the policy.
• Benefit period: For the entire life till 100 years of age.
• Facility to increase the premium through Top up Premium.
• Provides security to your family in case of your unfortunate death.
• Facility to increase the Sum Assured through Top up Premium.
• Gives you the flexibility to choose your fund based on your risk profile - Whole Life Mid Cap Equity, Whole Life Aggressive Growth, Whole Life Stable Growth, Whole Life Income, and Whole Life Short Term Fixed Income. You may choose to switch between the funds, anytime subject to certain conditions.
bull; Enables you to enjoy market-linked returns with a potential for higher growth.
• Opportunity to bring you additional income on funds that might have otherwise given you minimum returns in your savings account, subject to market performance.
• Loyalty Benefit: Additional 0.25% of units under the Regular Premium Account every 5 years provided the policy is in force.
Tax Benefits, Riders and Age Eligibility
• Premiums paid under this plan are eligible for tax benefits under Section 80C of the Income Tax Act, 1961. Any sum received under this plan is exempt from tax under section 10(10D) of the Income Tax Act, 1961.*
• You may attach Accidental Death Benefit, Accidental Death and Dismemberment, Payor benefit or Critical Illness Riders at an extra cost.
• Policy is available for persons between 30 days and 70 years of age. The policy matures at age 100.
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