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TATA AIG |
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Maha Life |
Mahalife Plan is truly one of a kind. For starters, it offers you the following benefits:
- Only a 12-years premium paying period for life time coverage.
- Guaranteed annual coupon of 5% of Sum Assured from the 12th policy anniversary onwards.
- On death or at maturity at age 100, the entire Sum Assured will be paid.
- Cash Dividends from the 6th policy anniversary onwards.
- Tax benefits as per current income tax laws and subject to amendments made from time to time.
Who is eligible for this policy?
- One is eligible for this policy right from birth. Which means, if you buy this policy for your child, you only have to pay premiums for 12 years, after which the child gets an income as well as coverage for his entire life.
- The maximum age at entry is 60 years. This makes the policy ideal for providing lifelong income and protection.
Automatic Premium Loan
In case you re unable to pay the premium within the Grace period, the premium then due will be advanced as an automatic loan to you. This facility is provided if the Cash Value is equal to or greater than the premium in default plus any indebtness. This feature is available if the policy has acquired the cash value |
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| Assure Educare at 18 & assure Educare at 21 |
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| A guaranteed payment of 10% of the sum assured at maturity or on death (policy must be in force for a minimum 10 years).,An additional guaranteed education benefit of 20% of sum assured, payable to you at maturity. |
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| A non-guaranteed compounded annual bonus credited on the policy anniversary (depending on Company performance), A terminal bonus which is payable on death or maturity (policy must be in force for a minimum 10 years). |
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| Free Look Period - A money-back guarantee, which allows you to return the policy within 15 days of receipt for a full refund (minus nominal administrative charges). |
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| Assure 21 years Money Saver |
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| 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). |
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| 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. |
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| 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. |
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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. |
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| 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. |
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Policy terms of 15, 20, 25 or 30 years, No penalty charges for surrendering the policy any time after the 3rd year, Flexibility to choose your Sum Assured, depending on your age profile and your needs. |
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You have a choice of premium multiples to choose from.
Any premium not deducted for coverage and charges will be invested in the funds chosen by you viz. Equity Fund, Income Fund, Aggressive Growth Fund, Stable Growth Fund and a Short Term Fixed Income Fund. |
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Flexibility to switch between funds and partial withdrawal, InvestAssure Plus also offers Top-ups premiums and the facility to have a Sum assured on the Top-up premium as well. |
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| A guaranteed annual coupon of 5% of sum assured, every year for the rest of the insured’s life from the 12th policy anniversary onwards. |
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| If Tata AIG Life performs well, you get yearly cash dividend from the 6th policy anniversary onwards. |
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| On death or at maturity at age 100, the entire sum assured will be paid tax-free according to current Income Tax Laws. |
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| Your child will receive cash benefits to the equivalent of 20% of the sum assured at the age of 18, 19, 20, 21 & 22. |
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| Flexible and affordable premiums, which can be paid annually, semi-annually, quarterly, or even monthly, No medical examination of your child is needed. |
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| Tata AIG Life Nirbhay Life |
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| You can opt for a policy that lasts 12, 15 or 20 years. |
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| During the term of the policy, you will receive 130% of the sum assured including coupons. |
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