Wealth Solutions

Tata AIA Life Insurance

InvestOne
Non-Participating Unit Linked
Endowment Insurance plan

Tata AIA Life Insurance Company Limited

(IRDA of India 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 [email protected].
Visit us at: www.tataaia.com or SMS 'LIFE’ to 58888
Unique Reference Number – L&C/Advt/2015/Dec/698
UIN: 110L121V01
Tata AIA Life Insurance InvestOne Plan at a Glance
IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT Minimum Issue Age
PORTFOLIO IS BORNE BY THE POLICYHOLDER 0 years (30 days)
(Age last birthday)

THE LINKED INSURANCE PRODUCTS DO NOT OFFER ANY Maximum Issue Age
60 years
LIQUIDITY DURING THE FIRST FIVE YEARS OF THE (Age last birthday)
CONTRACT. THE POLICYHOLDER WILL NOT BE ABLE TO Minimum Maturity Age
SURRENDER/WITHDRAW THE MONIES INVESTED IN 18 years
(Age last birthday)
LINKED INSURANCE PRODUCTS COMPLETELY OR
Maximum Maturity Age
PARTIALLY TILL THE END OF THE FIFTH YEAR. 75 years
(Age last birthday)
Every milestone is memorable throughout the journey of Life. Policy Term 15 to 30 years
From the birth of your baby to your child’s first day at school to
Premium Paying Term Single Pay
the purchase of your dream home to entering your golden
years, each of these ‘once in a lifetime’ experiences is what Pay Mode Single
makes your life precious. Minimum Premium 1
r1,00,000

As people, it’s in our very nature to protect what we value most Maximum Premium 1
No Limit
and what’s more priceless than life itself? Tata AIA Life Minimum Basic
Insurance Company Ltd. presents to you Tata AIA Life 1.25 times the Single Premium
Sum Assured2
Insurance InvestOne, an attractive Unit Linked Insurance
Maximum Basic Sum Assured = Max
Product that offers you the opportunity to plan for your once in Multiple as per the below table *
a lifetime experiences with a onetime premium plan. It comes Single Premium:
with Loyalty Additions and Guaranteed Maturity Addition that
Entry Age
assure you maximized returns on maturity. Max Multiple of
Maximum Basic
Min Max Single Premium
Sum Assured 2
Salient Features 0 20 5
• Pay premium once and enjoy dual benefits of insurance and 21 29 3
market linked returns
30 38 2
• Option to choose your policy term between 15 to 30 years
39 60 1.5
• Guaranteed Maturity Addition* to enhance the maturity benefit 1
Increase or decrease in Premium is not allowed under this plan. If Premium
is the starting point, Premium should be chosen to be a multiple of r1,000.
• Loyalty Additions* every five policy years starting from tenth Maximum premium will be subject to underwriting.
policy anniversary 2
Increase or decrease in Basic Sum Assured by changing the premium
multiple is allowed subject to Underwriting and limit set by the Company. If
• Attractive premium allocation charges Basic Sum Assured is the starting point, Basic Sum Assured should be
chosen in multiple of r1,000.
• Flexibility to choose from 8 Fund options for enhanced
investment opportunities Before you read any further
• Choice of 2 Investment Portfolio Strategies – Protect Returns Tata AIA Life Insurance InvestOne is a Non-Participating
Endowment Unit Linked Plan. All Unit Linked life insurance
Of Funds Increased over Time (PROFIT) and Enhanced
plans are different from traditional insurance plans and are
Automatic Asset Allocation Plus (Enhanced AAAP) subject to different risk factors. The name of this plan and that
of the investment funds do not in any way indicate the quality of
• Tax benefits u/s 80C of the Income Tax Act, 1961
the plan or future returns.
* For more details on Guaranteed Maturity Addition and Loyalty Additions,
In this plan, the investment risk in the investment funds chosen
please refer to the section ‘What are your Benefits?’

1 2
by you is borne by you. Investment funds are subject to credited (post deduction of applicable charges) to the
investment risks and NAVs may go up or down reflecting the respective funds at maturity date.
market value of the underlying assets. Past performance is no This Guaranteed Maturity Addition is not applicable for Top up
guarantee of future results.
Premium Account.
Total Sum Assured under the plan is the total of Basic Sum
Maturity Benefit
Assured and Top-up Sum Assured.
On survival to the end of the policy term, you will receive the
The Single premium and any Top-up premium net of premium Total Fund Value valued at applicable NAV on the date
allocation charge will be used to purchase units in the various of maturity.
investment fund/s offered under this plan and as chosen by
you. The units purchased in the investment fund is the Death Benefit
monetary amount allocated to the investment fund divided by In case of unfortunate death of the insured while the policy is in
its then prevailing NAV per unit. force, the Nominee will get,
Single Premium Fund Value is equal to the number of units Highest of
pertaining to Single premium allocated to the investment
(i) the Basic Sum Assured net of all “Deductible Partial
fund/s chosen by you multiplied by its then prevailing NAV
Withdrawals”, if any, from the Single Premium Fund Value, or
per unit.
(ii) the Single Premium Fund Value of this Policy or
Top-up Premium Fund Value, if any, is equal to the number of
units pertaining to Top-up premiums allocated to the (iii) 105 percent of the Single Premium paid.
investment fund/s chosen by you multiplied by its then In addition to this:
prevailing NAV per unit.
Highest of
Total Fund Value under this plan is the total of Single Premium
Fund Value and Top-up Premium Fund Value, if any. The Fund (i) the approved Top-up Sum Assured(s) or
Value represents the total value of your investments to date (ii) Top-up Premium Fund Value of this Policy or
and is the balance of all units allocated to the investment fund/s
chosen by you multiplied by its then prevailing NAV per unit. (iii) 105 percent of the total Top-up Premiums paid

What are your Benefits? is also payable provided the Policyholder has a Top-up
Premium Fund Value.
Loyalty Additions
For purpose of determining the Death Benefit, the Deductible
As a reward for your loyalty, additional units at the rate of 1% of Partial Withdrawals mentioned above shall mean the Partial
units in each of the funds under the Single Premium Account withdrawals made, (i) during the last two years immediately
will be credited (post deduction of applicable charges) to the preceding the date of death of the Insured, if the age of the
respective funds every fifth (5th) policy anniversary starting Insured at death is less than 60 years of Age; or (ii) after Insured
from tenth (10th) Policy Anniversary till the end of the attaining the age of 58 years, if the age of the Insured at death
policy term. is greater than or equal to 60 years, as the case may be.

Additionally, 0.4% of the number of units in each of the funds Non-Negative Claw-Back Additions
under single premium account will be credited (post deduction
In the process to comply with the reduction in yield, the
of applicable charges) to the respective funds every policy
Company shall arrive at specific non-negative claw-back
anniversary, starting from the tenth (10th) policy anniversary,
additions, if any, to be added to the unit Fund Value, as
throughout the policy term, excluding the last year. applicable, at various durations of time after the first five years
Loyalty Additions will be added into the fund and will be of the contract.
payable in case of death or on maturity or on surrender. Benefit Illustration
Loyalty Additions are not payable on Top-up Premium Account. To illustrate the above benefits, let’s have a look at the following
Guaranteed Maturity Addition Benefit Illustration*

Guaranteed Maturity Addition at the rate of 5% of the units in The table below gives the Total Maturity Benefit for a healthy
each of the funds under the Single Premium Account will be person aged 35 years at standard age proof

3 4
 Higher Rate Illustration (8%) Lower Rate Illustration (4%)
Guaranteed
Non Guaranteed Benefits Non Guaranteed Benefits
Benefits
Age Policy Single Premium Multiple
Term Premium##(r) chosen Basic Total Maturity Net Yield** Total Maturity
Sum Assured (R) Benefit#(r) @ 8% Benefit# (r)
35 15 1,00,000 1.25 1,25,000 2,45,808 6.19% 1,32,080
35 20 1,00,000 1.25 1,25,000 3,35,991 6.25% 1,42,795
35 25 1,00,000 1.25 1,25,000 4,60,570 6.30% 1,51,818
*Some benefits are guaranteed and some benefits are variable Policyholder along with the payment of Premium. If any imposition (tax
(Non-guaranteed) with returns based on the future performance of the or otherwise) is levied by any statutory or administrative body under the
opted funds and fulfillment of other applicable policy conditions. #Total Policy, Tata AIA Life Insurance Company Limited reserves the right to
Maturity Benefit is inclusive of Loyalty Additions and exclusive of claim the same from the Policyholder. Alternatively, Tata AIA Life
applicable taxes, cesses & levies. For benefit values net of applicable Insurance Company Limited has the right to deduct the amount from
taxes, cesses & levies please refer to the sales illustration. ##All the benefits payable by Us under the Policy. **Computation of the net
Premiums are subject to applicable taxes, cesses & levies which will yield excludes mortality charges and applicable taxes, cesses & levies
entirely be borne by the Policyholder and will always be paid by the on charges as applicable.

• Fund Allocation: 50% in Large Cap Equity Fund and 50% in a) You can choose from a variety of funds
Whole Life Mid cap Equity Fund Your allocable Single Premium and Top-Ups (if any) are
• Single Premium: r1,00,000 invested in one or more investment funds as per your chosen
asset allocation. You have an option of choosing any or all of
• Mode of payment: Single the 8 Funds or such funds which are available at the time of
allocation, based on your preferred asset allocation.
What are your investment avenues?
This product offers you the flexibility to invest in a manner that We offer 8 investment funds ranging from 100% debt to 100%
equity to suit your particular needs and risk appetite – Multi
suits your investment risk profile and individual needs.
Cap fund, India Consumption fund, Large Cap Equity fund,
a) You can choose from the 8 investment fund options Whole Life Mid Cap Equity fund, Whole Life Aggressive
OR Growth fund, Whole Life Stable Growth fund, Whole Life
b) C h o o s e a n y o f t h e P O R T F O L I O S T R AT E G I E S Income fund and Whole Life Short-term Fixed Income fund.
from below If you wish to diversify your risk, you can choose to allocate
i) Enhanced Automatic Asset Allocation Plus (Enhanced AAAP) your premiums in varying proportions amongst the 8
investment funds.
ii) Protect Returns of funds increased over time (PROFIT)

Investment Risk
Fund Objective Asset Allocation Minimum Maximum
Fund Profile
The primary investment objective of the Fund is to
generate capital appreciation in the long term by Equities 60% 100%
Multi Cap
Fund (ULIF investing in a diversified portfolio of Large Cap and Mid
060 15/07/14 Cap companies The allocation between Large Cap High Debt Instruments 0% 40%
MCF 110) and Mid Cap companies will be largely a function of
the relative valuations of Large Cap companies as Cash / Money 0% 40%
against Mid Cap companies. Market Instruments
The primary investment objective of the Fund is to
generate capital appreciation in the long term by Equities 60% 100%
India investing in a diversified portfolio of companies which
Consumption would benefit from India’s Domestic Consumption
Fund (ULIF 061 growth story. High Debt Instruments 0% 40%
15/07/14 ICF The India Consumption Fund could provide an
110) investment opportunity in the theme of rising Cash / Money 0% 40%
consumption power in India for long term returns. Market Instruments
Large Cap Equities and Equity
Equity Fund The primary investment objective of the Fund is to 80% 100%
generate long - term capital appreciation from a linked Instruments
(ULIF 017 High
07/01/08 TLC portfolio that is invested pre-dominantly in large cap
equity and equity linked securities. Cash / Money
110) 0% 20%
Market Instruments

5 6
 Investment Risk
Fund Objective Asset Allocation Minimum Maximum
Fund Profile
Whole Life Mid The primary investment objective of the Fund is to Equities and Equity
Cap Equity linked Instruments 60% 100%
generate long – term capital appreciation from a
Fund (ULIF 009 portfolio that is invested pre-dominantly in Mid Cap High
04/01/07 WLE Equity and Mid Cap Equity linked securities. Cash/ Money 0% 40%
110) Market Instruments
Whole Life Equities and Equity
Aggressive The primary investment objective of the Fund is to 50% 80%
Medium linked Instruments
Growth Fund provide higher returns in long term by investing
primarily in Equities along with debt/ money market to Debt Instruments 20% 50%
(ULIF 010
instruments. High
04/01/07 WLA Cash / Money
110) 0% 30%
Market Instruments
Equities and Equity
Whole Life 30% 50%
linked Instruments
Stable Growth The primary investment objective of the Fund is to Low
Fund (ULIF 011 provide stable returns by balancing the investment in to Debt Instruments 50% 70%
04/01/07 WLS Equities and debt/ money market instruments. Medium
110) Cash / Money 0% 20%
Market Instruments
Whole Life The primary investment objective of the Fund is to Debt Instruments 60% 100%
Income Fund generate income by investing in a range of debt and
(ULIF 012 money market instruments of various maturities with a Low
04/01/07 WLI view to maximizing the optimal balance between yield, Cash / Money 0% 40%
110) safety and liquidity. Market Instruments

Whole Life The primary investment objective of the Fund is to Debt Instruments of
Short-Term 60% 100%
generate stable returns by investing in fixed income duration less than 3 years
Fixed Income securities having shorter maturity periods. Under
Fund (ULIF 013 Low
normal circumstances, the average maturity of the Cash / Money
04/01/07 WLF Fund may be in the range of 1-3 years. 0% 40%
110) Market Instruments

Our wide range of funds gives you the flexibility to change your Asset allocation:
premium allocation percentages from that point onwards. Also Instrument Allocation
you can switch monies from one investment fund to another at
any time. Switches must however be within the investment Government securities 60% -100%
funds offered under this plan. Money Market Instruments 0% - 40%
The Company may add or remove additional investment linked
Exceptional Circumstances
funds from time to time subject to prior approval from the IRDA
of India. Force Majeure Condition:
These funds have different risk profiles based on different types a. The company will value the funds on each day that the
of investments that are offered under these funds. The returns financial markets are open. However, the company may
are expected to vary according to the risk profile3. value the funds less frequently in extreme circumstances
external to the company, where the value of the assets is too
Returns are subject to market conditions.
3
uncertain. In such circumstances, the company may defer
Discontinued Policy Fund II: the valuation of assets for up to 30 days until the Company
feels that certainty as to the value of assets has been
The investment objective for Discontinued Policy Fund II is to resumed. The deferment of the valuation of assets will be
provide capital protection and a minimum return as per with prior consultation with the IRDA of India.
regulatory requirement with a high level of safety and liquidity b. The company will make investments as per the investment
through judicious investment in high quality short-term debt. mandates given above. However, the company reserves the
The strategy is to generate better returns with low level of risk right to change the exposure of all/any fund to money
through investment in fixed interest securities having short term market instruments to 100% only in extreme situations
maturity profile. The risk profile of the fund is very low. There is external to the company, keeping in view market conditions,
a minimum guarantee of interest @ 4% p.a. or as prescribed by political, economic and other factors. The same will be put
IRDA of India from time to time. back as per the base mandate once the situation
has corrected.

7 8
c. Some examples of such circumstances [in Sub-Section a) & depending on your age. The Enhanced Automatic Asset
Sub-Section b) above] are: Allocation Plus strategy shall be applicable to the entire fund
i) When one or more stock exchanges which provide a of the policyholder.
basis for valuation for a substantial portion of the assets of
the Fund are closed otherwise than for ordinary holidays. Your Funds will be allocated in the following manner:

ii) When, as a result of political, economic, monetary or any Fund Allocation of the Single Premium Fund and Top-up
Premium Fund (if any)
circumstances out of the control of the Company, the
disposal of the assets of the Fund are not reasonable or Age Band Large Cap Whole Life
(years)^ Equity Fund Income Fund
would not reasonably be practicable without being
detrimental to the interests of the remaining Policyholders. Below 18 80% 20%
18 – 25 75% 25%
iii) During periods of extreme market volatility during which
Surrenders and Switches would, be detrimental to the 26 – 30 70% 30%
interests of the remaining Policyholders. 31 – 35 65% 35%
36 – 40 60% 40%
iv) In case of natural calamities, strikes, war, civil unrest, riots
and bandhs. 41 – 45 55% 45%
46 – 50 50% 50%
v) In the event of any event of any force majeure or disaster
51 – 55 45% 55%
that affects the normal functioning of the Company.
56 – 60 40% 60%
vi) If so directed by the IRDA of India. 61 – 65 35% 65%
d. The policyholder shall be notified of such a situation 66 – 70 30% 70%
if it arises. 71 – 75 25% 75%
This provision will be applicable only when exceptional ^ The Age band refers to the age at last birthday
circumstances external to the company arise.
To maintain the applicable allocation as per age band defined,
Addition / Closure of Investment Fund the investments in the two funds will be rebalanced every
policy quarterly anniversary.
With prior approval from the IRDA of India, we may from time
to time add new investment funds under your policy. We will On approaching maturity age, to ensure capital protection so that
short term market volatility at the time of maturity does not impact
inform you of such addition no later than 90 days after it is the investments, we will systematically transfer all your investments
made available under your policy. from Large Cap Equity Fund to Whole Life Income Fund in 10
With prior approval from the IRDA of India, we may at any time installments during the last 10 quarters of the policy term.
close an investment fund available in your policy. We will inform Other rules for Enhanced Automatic Asset Allocation Plus:
you in writing of such closure no later than 90 days before we • If not chosen at inception, the written request to start the
actually close the investment fund. Enhanced Automatic Asset Allocation Plus should be
received 30 days in advance of the policy anniversary.
b) Choose any of the PORTFOLIO STRATEGIES from below:
• Enhanced Automatic Asset Allocation Plus is free of
i) Enhanced Automatic Asset Allocation Plus (Enhanced AAAP) any charge.
• For all age-dependent features, the revision to
Generally, with the increase in age, our risk appetite decreases. po l i c y ho l de r’s a g e w i l l be e ffe c te d o n the a n n u al
Enhanced Automatic Asset Allocation Plus is a unique feature anniversary of your policy following your birthday and not
that takes care of your portfolio and changes its allocation as on your actual birthday.
per your age in such a way that you reap maximum returns • Enhanced Automatic Asset Allocation Plus option will not
with adjustment to risk exposure of your portfolio. be available when PROFIT is chosen.
• T he Po l i c y ho l de r w i l l ha v e the o pti o n to stop t h e
You can opt for this portfolio strategy at policy inception or Enhanced AAAP at any point of time by a written request
on any policy anniversary during the policy term. Once and it shall take effect from the next policy monthly
chosen, the premium net of applicable charges will be anniversary that follows our receipt.
allocated into the Large Cap Equity Fund and Whole Life • Manual fund switching is not allowed when Enhanced
Income Fund, in the proportion defined in the table below, AAAP strategy is chosen.

9 10
The Company may cease offering Enhanced AAAP by giving 4) The Debt based Funds currently in this product are: Whole
30 days of written notice subject to prior approval of Insurance Life Income Fund and Whole Life Short Term Fixed
Regulatory and Development Authority. The strategy will Income Fund.
continue for the customers who have opted for this strategy 5) The Profit Trigger available under PROFIT is: 30%. This
before the closure date. is calculated as a percentage of growth over your
ii) Protect Returns Of Funds Increased Over Time (PROFIT) net investments.
Protect Returns Of Funds Increased Over Time (PROFIT) is an 6) Choice of Funds (via Proposal form):
automated way of transferring profits from the Profit Making
Fund to the Profit Booking Fund based on a determined a. Profit Making Fund: - The policyholder chooses any
strategy of booking profits earned in the Profit Making Fund. one fund out of the available Equity based funds under
This strategy aims to help policyholders combat the risks of a the product applied for, as The Profit Making Fund.
volatile equity market. b. Profit Booking Fund: - The policyholder chooses any
The premiums net of premium allocation charge will be one fund out of the Debt based funds available under
invested in the chosen Profit Making Fund under PROFIT the product applied for, as the Profit Booking Fund.
strategy. Other charges such as Policy Administration charge,
Mortality charge and Fund Management charge will continue to 7) The policyholder can change the choice of the Profit
be deducted as per the schedule of charges. The day the Profit Booking Fund and the Profit Making Fund effective
Trigger percentage is achieved; the profits will be transferred the next monthly policy anniversary by giving at least
from the chosen Profit Making Fund to the chosen Profit 30 days notice.
Booking Fund and shall continue to remain invested here. 8) 100% of the premiums net of premium allocation
The Profit under the PROFIT Strategy: - The profit under the charges need to be invested in the Profit Making
PROFIT strategy means the difference between: Fund when PROFIT is chosen.
a) The fund value in the Profit Making Fund as on the current 9) Partial withdrawals will be allowed from all funds including
date; and Profit Making and Profit Booking Funds and will be
b) The fund value in the Profit Making Fund as on the last governed by the partial withdrawal rules as applicable
trigger date under the plan.
- less the Profit switched as on the last trigger date 10) PROFIT cannot be chosen along with Enhanced AAAP. If
Enhanced AAAP is already chosen then first it has to be
- add the premiums invested (net of relevant charges) and
discontinued by the policyholder and then PROFIT can be
the funds switched in the Profit Making Fund since the
applied for.
last trigger date, or, if no trigger has happened yet, the
later of the date(s) on which the choice of PROFIT / 11) PROFIT is applicable only on Single Premium Funds and
change in PROFIT fund has been effected. would not be applicable on Top-up Premium Funds.
- less all charges and taxes deducted and partial 12) Profit percentage would be checked daily, after daily NAV
withdrawals made since the last trigger date, or, if no calculation, against the Profit trigger.
trigger has happened yet, the later of the date(s) on which
the choice of PROFIT / change in PROFIT fund and/or 13) The unit transfers would happen at the NAV as on the
trigger options has been effected. trigger dates and is available over and above the free fund
switches available under the insurance product.
The profit percentage will be the profit under the PROFIT
strategy as a percentage of (b) as above. 14) Manual Fund switch in is allowed for both the funds (Profit
Making Fund and Profit Booking Fund) under PROFIT.
The following are the notable features of PROFIT:- However, manual switch out is allowed only for the Profit
1) PROFIT can be availed at the option of the policy holder, at Booking Fund. Manual fund switching is allowed on other
policy Inception or on any policy anniversary. In the latter available funds and Top-up funds. Conditions regarding
case, request to start the PROFIT should be received 30 switch fee, minimum switch and minimum fund after
days in advance of the policy anniversary. switch etc. for normal switching option shall be as
2) Out of the funds available under this strategy, Tata AIA Life applicable under the relevant plan. Any amount lying in
will categorize them as ‘Equity based’ or ‘Debt based’ Single premium funds, other than the Profit Making Fund
funds. The policyholder needs to make his/her choice of would remain invested in those funds and would not be
Profit Making Fund and Profit Booking Fund based on this subject to PROFIT rules. Further, policyholder will also have
categorization. an option to do manual fund switching for these funds.

3) The Equity based Funds currently in this product are: Large 15) The automatic switches under PROFIT are free of charges.
Cap Equity Fund, Whole Life Mid Cap Equity Fund, Multi 16) The policyholder will have the option to stop the PROFIT at
Cap Fund and India Consumption Fund. any point of time. The policyholder can choose PROFIT

11 12
 again as per the above rules, however PROFIT can be • Top-up premiums can be paid any time except during the
chosen for a maximum of 3 times during the policy term. last five years of the policy term, subject to underwriting, as
The Company may cease offering PROFIT by giving 30 days long as all due premiums have been paid.
written notice subject to prior approval of Insurance Regulatory • You can Top-up your policy up to four times in a policy year.
and Development Authority of India. The strategy will continue • The minimum Top-up amount is r 5,000/-. Acceptance of
for the customers who have opted for this strategy before the Top up Premium is subject to prevailing underwriting rules.
closure date. • Top-up premiums can be allocated in any proportion
Tracking and Assessing Your Investments between the funds offered as chosen by the policyholder.
You can monitor your investments • Every Top up Premium will have a lock- in period of five
years from the date acceptance of such Top up premiums
• On our website (www.tataaia.com); except in case of surrender of policy.
• Through the annual statement detailing the number of units • At any point of time, the total Top-up premiums paid shall
you have in each investment fund and their respective then not exceed the sum of the total single premium paid
prevailing unit price; and • Top-up premiums are subject to charges as described
• Through the published unit prices of all investment funds on under "What are my Policy charges?"
our website and Life council’s website. Top-up Sum Assured
What are the other benefits in your policy ? 4 Your Sum Assured will increase by Top-up Sum Assured when
you avail of a Top-up. Limits on Top-up Sum Assured multiples
This is a single payment policy with protection for a chosen
are based on the age of the life assured at the time of paying
policy term and it is in your best interest to stay invested for the
the Top-up premium.
entire term. This will enable you to pay for one time and enjoy
all the special benefits offered under this innovative product for Top-up Sum Assured will be as below-
the rest of your life. However, for contingency needs during the For age <45 years – 1.25 times the Top-up Premium
term of the policy, you may avail of the Partial Withdrawal For age >= 45 years – 1.1 times the Top-up Premium
option. In case if you have a surplus income, you may invest
the same in your plan though top-ups. Increase or decrease in the Top-up Sum Assured is not allowed.

Flexibility of Partial Withdrawals Flexibility of Additional Coverage5

In case you need money for any emergency or otherwise, this You have further flexibility to customize your product by adding
plan enables you to withdraw from your fund. The withdrawals the following optional rider. The charges for these riders, if
from Single Premium Fund are allowed after five policy opted for, will be recovered by cancellation of units from the
anniversaries from the date of issuance of your policy, provided basic plan. The rider can be attached only at the policy
the policy is in force. inception and can only be offered only with the minimum basic
sum assured.
• Partial withdrawal from the Top-up Premium Fund can be
allowed anytime after five policy anniversaries from the date Ta t a A I A L i f e I n s u r a n c e A c c i d e n t a l D e a t h a n d
of acceptance of each such Top-up Premium paid. Dismemberment (Long Scale) (ADDL) Linked Rider
• The minimum partial withdrawal amount is r 5,000 subject to Tata AIA Life Insurance Accidental Death and Dismemberment
Total Fund Value post such withdrawals being not less than (Long Scale) (ADDL) Linked Rider (UIN: 110A027V01)
an amount equivalent to 50% of Single Premium paid. This rider ensures protection of your family by paying your
nominee an amount equal to the rider sum assured in case of
• Partial withdrawal is allowed only after insured attains 18
an accidental death. In case of severe dismemberment like loss
years of age.
of limbs or bodily functions or severe burns due to an accident,
• Partial Withdrawals should be made first from the Top-up it will pay a percentage of the rider sum assured as per the
Premium Fund (if any) and then from the Single Premium ADDL benefit chart. The benefits will be doubled in case of
Fund, if amount in the Top-up Premium Fund is insufficient. certain accidental death or dismemberments.
• Maximum of four (4) partial withdrawals are allowed in This rider will be allowed from entry age of 18 years upto 60
a policy year and we levy no charges for making the years and maximum maturity age of 70 years.
partial withdrawals. 5
This is a unit deducting rider and no separate premium needs to be paid.
For more details on the benefits, premiums and exclusions under this rider
• The partial withdrawals shall not be allowed if it would result please refer to the Rider Brochure or contact our Insurance Advisor or visit
in termination of the contract. our nearest branch office.
Flexibility of Top-ups Settlement Option
You have the flexibility to pay additional premium as ‘Top-up Provided policyholder is alive on the maturity date, you have an
Premium’, provided the policy is in force option to receive the maturity amount either in lump sum or in

13 14
installments over a period of time. This period, termed as cesses & levies will be used to purchase Units at the NAV
Settlement Period, may be extended up to a maximum of five according to your instruction for allocation of Premium.
years from the date of maturity. The frequency (annual, semi Units purchased by Single Premium and Top-up Premium,
annual, quarterly or monthly) and amount of the installments net of payable premium allocation charge and applicable
will be chosen by you at the time of maturity while exercising taxes, cesses & levies will be deposited into the
this option. The amount paid out to you in each installment will
Regular/Single Premium Fund Value and Top-up Premium
be the outstanding fund value as at that installment date
divided by the number of outstanding installments. Fund Value respectively.
For example, if chosen settlement period is 5 years with Where notice is required (Fund Switching, Top-up, Partial
frequency of periodical payment as annual, the amount Withdrawal, Surrender or death of the Insured), Units being
payable in arrear, in each year, post maturity is given by debited shall be valued by reference to their NAV as specified
Policy Year 1 1/5 of the Fund Value available at the end of in the section “Cut-off time for determining the appropriate
Policy year 1 valuation date” under Fund Provisions.
Policy Year 2 1/4 of the Fund Value available at the end of Cut-off time for determining the appropriate valuation date
Policy year 2 The appropriate valuation date at which NAV will be used to
.......................... purchase or redeem Units shall be determined in the
Policy Year 5 Balance Fund Value available at the end of following manner:-
Policy year 5 a) Purchase & Allocation of Units in respect of Premiums
The value of such periodical payments will depend on the received or Fund Value(s) switched in:
performance of the Funds selected for investment. Switching • If the premiums, by way of cash or a local cheque or a
and partial withdrawals (other than the aforesaid periodical demand draft payable at par or the request for switching in
payments) are not available during the Settlement Period. At Fund Value(s) is/are received by us at or before 3:00 p.m.
any time during the settlement period, you have the option to of a Business Day at the place where these are receivable,
withdraw the Total Fund Value at that time. NAV of the date of receipt or the due date, whichever is
During Settlement Period, (i) No life cover or other insurance later shall apply.
cover will be provided. In the unfortunate event of death, the • If the premium/s, by way of cash or a local cheque or a
Total Fund Value at the time of death will be returned to the demand draft payable at par or the request for switching in
Nominee. (ii) Fund Management Charge will be deducted as Fund Value(s) is/are received by us after 3:00 pm of a
shown under “What are my Policy Charges?” business day, at the place where these are receivable, NAV
of the next valuation date following the receipt or the due
During this Settlement Period, the inherent investment risk will date, whichever is later shall apply.
be borne by the Policyholder.
4
• If the premium/s is received by us by way of an outstation
Conditions apply. Please contact our Insurance Advisor or visit our nearest cheque/outstation demand draft, NAV of the date of on
branch office for further details which these instruments are realized shall apply.
How is the NAV calculated? • In case of proposals or requests for Top-up Premium
where underwriting or Our approval is required, the closing
The NAV of the segregated funds shall be computed as: NAV of the day on which underwriting/approval is
Market value of investment held by the fund + value of current completed in all respects or the date of receipt of premium
(in case of cash or local cheque or demand draft payable
assets - (value of current liabilities and provisions, if any) at par) or the date of cheque/demand draft realization (in
------------------------------------------------------------------------ case of an outstation cheque/demand draft) whichever is
later shall apply.
N u m b e r of u n its ex is ting on Va l ua t i on D a t e ( b e fore
creation/redemption of units) • If premiums are received via standing instruction (such as
autopay, credit cards, electronic clearing system etc) the
The Net Asset value (NAV) will be determined and published same procedure as for local cheques will apply with the
daily in various financial newspapers and will also be available date of sending the collection request to the relevant
on www.tataaia.com, the official website of Tata AIA Life. All bank/financial institution being taken as the date of receipt
you have to do is multiply the number of Units you have of the local cheque.
with the published Unit Price to arrive at the value of b) Sale & Redemption of Units in respect of withdrawals,
your investments. surrender, Fund Value(s) switched out, death claim:
Credit/Debit of Units • If a valid request/application is received by us at or before
Premiums received, after deducting the Single Premium / 3:00 pm of a Business Day, NAV of the date of receipt
Top-up Premium Allocation Charge and applicable taxes, shall apply.

15 16
 • If a valid request/application is received by us after from the Single Premium. The net Single Premium after deduction
3:00 pm of a Business Day, NAV of the next valuation of charges is invested in Funds as per your choice.
date following the receipt shall apply.
Premium Allocation Charge as a % of Single Premium
What are the options to manage Policy Year % of Single Premium
my i nvest m e n t s? 1 2%
We offer you ample flexibility to manage your money so that Top-up Premium Allocation Charge = 1.5% of Top-up premium
you can reap maximum benefits of your investments.
The single premium and top-up premium allocation charges
Switching Between the Funds are guaranteed throughout the term of the policy.
During the policy term, you may switch your investment or part
Policy Administration Charge
of investment from one fund to another as per your outlook
about the markets. Switching may be restricted if any one of A Policy Administration Charge of 1% p.a. of Single Premium
the portfolio strategies is chosen. Please refer to the will be deducted monthly by cancelling Units at the NAV from
respective portfolio strategies for details. A total of 12 free the Fund Value of the policy throughout the policy term and this
switches are allowed in a policy year after which charges will charge may be increased by upto a maximum of 5% p.a.
be applicable on further switches as shown under “What are
compounded annually subject to a maximum of R 6,000 per
my Policy Charges?"
annum with prior approval of IRDA of India.
Please contact our Insurance Advisor or visit our nearest
branch office for further details. Fund Management Charge

What if I want to discontinue the policy? A Fund Management Charge will be charged for each fund on
each valuation date at 1/365 of the following annual rates and
Surrender of the Policy will be applied on the total values of the investment funds as
The policyholder can completely withdraw funds from given below:
the policy anytime during the policy term by intimating Sr. Fund Management
Fund Name
the Company. No Charge per annum
If policyholder requests for Surrender of the policy – 1 Multi Cap Fund 1.20%
• Within the lock-in period; the surrender value i.e. the fund 2 India Consumption Fund 1.20%
value less applicable discontinuance charges as on the date 3 Large Cap Equity Fund 1.20%
of discontinuance shall be credited to the ‘Discontinued
Policy Fund II’ as maintained by the Company. The 4 Whole Life Mid-cap Equity Fund 1.20%
‘Proceeds of the Discontinued Policy’ i.e. the fund value as 5 Whole Life Aggressive Growth Fund 1.10%
on the date of discontinuance plus entire income earned
6 Whole Life Stable Growth Fund 1.00%
after deduction of the fund management charges, subject to
a minimum guarantee of interest @ 4% p.a. or as prescribed 7 Whole Life Income Fund 0.80%
by IRDA of India from time to time shall be paid to the 8 Whole Life Short Term Fixed Income Fund 0.65%
policyholder after completion of the lock-in period.
In case of death of the insured during this period the Fund Management Charges are subject to revision by
“Proceeds of the Discontinued Policy” shall be payable to Company with prior approval of IRDA of India but shall not
the nominee immediately. exceed 1.35% per annum of the Fund value. A Fund
• After the Lock-in Period; the total fund value as on the date Management Charge of 0.50% p.a. shall be charged on
of surrender shall be paid to the policyholder. Discontinued Policy Fund II. The current cap on Fund
Management Charge (FMC) for Discontinued Policy Fund - II
Lock-in period means the period of 5 consecutive years from is 0.50% p.a.
the date of commencement of the policy, during which period
the proceeds of the discontinued policies cannot be paid by Mortality Charge7
the insurer, except in the case of death or upon the happening
of any other contingency covered under the policy. The Mortality Charge of the Basic Policy will be deducted by
cancelling Units at the Unit Price, from the Single Premium Fund
What are my policy charges6? value of the Policy on each Policy Month Anniversary. In case
of the Top-up Sum Assured, the same will be deducted from
Single Premium Allocation Charge as below will be deducted
the Top-up Premium Fund Value. If the Single Premium Fund

17 18
Value is insufficient, then mortality charge will be deducted from India from time to time shall be paid to the Policyholder only
the Top-up Premium Fund Value, if any and vice-versa.
after completion of the lock-in period.
Mortality charge = Sum at Risk (SAR) multiplied by the
The following table shows discontinuance charges
applicable Mortality Rate for the month, based on the attained
applicable for Single Pay Option
age of the Life Assured.
Policy year Discontinuance charge
Sum at Risk in each month for Single Premium Account is the
1 Lower of 1% of Single premium or Single Premium
difference between:
Fund Value subject to maximum of r6,000
a) Maximum of (Basic Sum Assured net of all deductible partial 2 Lower of 0.5% of Single premium or Single
withdrawals, if any, from the relevant Single Premium Fund Premium Fund Value subject to maximum of r5,000
Value or 1.05 times total Single premium paid)
3 Lower of 0.25% of Single premium or Single
and Premium Fund Value subject to maximum of r4,000
4 Lower of 0.1% of Single premium or Single
b) Single Premium Fund Value at the time of deduction of
Premium Fund Value subject to maximum of r2,000
Mortality Charge
5th year Nil
Sum at Risk in each month for Top-up Premium Account is the onwards
difference between: There are no discontinuance charges applicable on the Top-up
a) Maximum of (Top-up Sum Assured, from the relevant premium Fund Value.
Top-up Premium Fund Value or 1.05 times total Top-up Partial Withdrawal Charge
Premiums paid)
There are no partial withdrawal charges under this plan
and
Fund Switching Charge
b) Top-up Premium Fund Value at the time of deduction of
There are 12 (twelve) free switches per policy year. Thereafter a
Mortality Charge.
charge of r100/- per switch will be applicable. This Charge
Sample Age Mortality Charges per 1,000 Sum at Risk (r) may be revised as deemed appropriate by the Company
25 1.1870 subject to prior approval of IRDA of India but shall not exceed
a maximum of r250/-.
35 1.5840
6
The Company may alter all the above charges (except Mortality Charge and
45 3.6420 Premium Allocation Charges which are guaranteed throughout the term) by
55 9.8580 giving an advance notice of at least three months to the policyholder subject
to prior approval of IRDA of India and will have prospective effect.
7
The Mortality Charges will be guaranteed for the period of the policy term.
Other plan features/ terms and conditions
For complete details on mortality charges visit us at
Free Look Period
www.tataaia.com
If You are not satisfied with the terms & conditions/features of
Discontinuance Charge
the Policy, you have the right to cancel the Policy by giving
The policy holder can discontinue the policy anytime during the written notice to us and You will receive the non-allocated
policy term by intimating to the Company. However when the premium plus charges levied by cancellation of units plus fund
request for discontinuance from the policy is within the lock-in value at the date of cancellation less (a) proportionate risk
premium for the period of cover (b) medical examination costs,
period of 5 years from policy inception, total fund value, net of
if any and (c) stamp duty, along with applicable taxes,
discontinuance charges as on the date of discontinuance shall
cesses & levies on above which has been incurred for
be put in the ‘Discontinued Policy Fund II’. The ‘Proceeds of issuing the Policy. Such notice must be signed by You and
the Discontinued Policy’ i.e. the fund value as on the date of received directly by us within 15 days after You or person
discontinuance plus entire income earned after deduction of authorized by you receives the Policy. This period of 15 days
the fund management charges, subject to a minimum shall stand extended to 30 days, if the policy is sourced
guarantee of interest @ 4% p.a. or as prescribed by IRDA of through distance marketing mode8.

19 20
8
Distance Marketing includes every activity of solicitation (including lead About Tata AIA Life
generation) and sale of insurance products through voice mode, SMS
Tata AIA Life Insurance Company Limited (Tata AIA Life) is a
electronic mode, physical mode (like postal mail) or any other means of
communication other than in person. joint venture company, formed by Tata Sons Ltd. and AIA
Group Ltd (AIA). Tata AIA Life combines Tata’s pre-eminent
Backdating leadership position in India and AIA’s presence as the largest,
Backdating is not allowed in this plan independent listed pan-Asia life insurance group in the world
spanning 18 markets in Asia Pacific. Tata Sons holds a majority
Policy Loan stake (51 per cent) in the company and AIA holds 49 per cent
Loans shall not be allowed in the Linked Insurance products. through an AIA International Limited. Tata AIA Life Insurance
Company Limited was licensed to operate in India on February
Exclusions 12, 2001 and started operations on April 1, 2001.
In case of death due to suicide within 12 months from the date Disclaimers:
of commencement of the policy, the nominee or beneficiary of
the Policyholder shall be entitled to fund value/policy account • Investments are subject to market risks.
value, as available on the date of death. • Unit Linked Life Insurance products are different from the
Any charges recovered subsequent to the date of death traditional insurance products and are subject to the risk
shall be paid-back to the nominee or beneficiary along with factors. Please know the associated risks and the applicable
death benefit. charges, from your Insurance Agent or the Intermediary or
For exclusions on the rider benefits, please refer to the policy document issued by the insurance company.
respective supplementary contract. • The various funds offered under this contract are the names
Tax Benefits of the funds and do not in any way indicate the quality of
the se pl a ns, the i r future pro spe c ts a nd re t u r n s .
Premiums paid under this plan are eligible for tax benefits
T he underlying Fund’s Unit Price will be affected by interest
under Section 80C of the Income Tax Act, 1961 and are
rates and the performance of the underlying stocks.
subject to modifications made thereto from time to time.
Income Tax benefits would be available as per the prevailing • The performance of the managed portfolios and funds is not
income tax laws, subject to fulfillment of conditions stipulated guaranteed and the value may increase or decrease in
therein. Tata AIA Life Insurance Company Ltd. does not accordance with the future experience of the managed
assume responsibility on tax implication mentioned anywhere portfolios and funds. Past performance is not indicative of
in this document. Please consult your own tax consultant to future performance.
know the tax benefits available to you. • The Premium paid in the Unit Linked Life Insurance Policies
Assignment are subject to investment risks associated with capital
markets and the NAVs of the units may go up or down
Assignment allowed as per Section 38 of the Insurance Act based on the performance of fund and factors influencing
1938 as amended from time to time. the capital market and the Insured is responsible for
Nominee his/her decisions.
Nomination allowed as per provisions of Section 39 of the • Buying a life insurance policy is a long-term commitment. An
Insurance Act 1938 as amended from time to time. early termination of the policy usually involves high costs and
(Prohibition of Rebates) Section 41 - of the Insurance Act, the Surrender Value payable may be less than the total
premiums paid.
1938 as amended from time to time.
1. No person shall allow or offer to allow, either directly or • Please know the associated risks and the applicable
indirectly, as an inducement to any person to take out or charges, from your Insurance Agent or the Intermediary or
renew or continue an insurance in respect of any kind of risk policy document issued by the insurance company
relating to lives or property in India, any rebate of the whole • The brochure is not a contract of insurance. This brochure
or part of the commission payable or any rebate of the should be read along with sales Illustration. The precise
premium shown on the policy, nor shall any person taking terms and conditions of this plan are specified in the policy
out or renewing or continuing a policy accept any rebate, contract available on Tata AIA Life website.
except such rebate as may be allowed in accordance with
• Tata AIA Life Insurance Company Ltd. is only the name of the
the published prospectuses or tables of the insurer.
Insurance Company and Tata AIA Life Insurance InvestOne is
2. Any person making default in complying with the only the name of the Unit Linked Life Insurance Contract and
provisions of this section shall be liable for a penalty which does not in any way indicate the quality of the contract, its
may extend to ten lakh rupees. future prospects or returns.

21 22
• 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.
• Insurance cover is available under this product
• Rider 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/ branch.
• Participation by customers shall be on voluntary basis
• This product will be offered only to Standard lives
• In case of non standard age proof,(which will only be allowed
in case of the minimum premium multiple is chosen) extra
charge will be charged as per our underwriting guidelines

Beware of Spurious Phone calls and Fictitious/Fraudulent offers:

IRDA of India clarifies to public that
• IRDA of India or its officials do not involve in activities like sale of
any kind of insurance or financial products nor invest premiums.
• IRDA of India does not announce any bonus. Public receiving
such phone calls are requested to lodge a police complaint along
with details of phone call, number.

23 22