IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT

PORTFOLIO IS BORNE BY THE POLICYHOLDER

Smart Sampoorna
Raksha Supreme
Unit Linked, Non-Participating Individual Life Insurance Plan

About Tata AIA Life

Tata AIA Life Insurance Company Limited (Tata AIA Life) is a joint venture
company, formed by Tata Sons and AIA Group Limited (AIA). Tata AIA Life
combines Tata’s pre-eminent leadership position in India and AIA’s
presence as the largest, independent listed pan-Asia life insurance group in
the world spanning 18 markets in Asia Pacific. Tata Sons holds a majority
stake (51 per cent) in the company and AIA holds (49 per cent) through an
AIA International Limited. Tata AIA Life Insurance Company Limited was
licensed to operate in India on February 12, 2001 and started operations on
April 1, 2001.

Tata AIA Life Insurance Company Limited (IRDAI Regn. No.110)

CIN: U66010MH2000PLC128403.
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 Tata AIA Life Insurance
Company Ltd under a license. For any information including cancellation,
claims and complaints, please contact our Insurance Advisor / Intermediary
1-860-266-9966
(local charges apply) or write to us at [email protected].
Visit us at: www.tataaia.com.
Unique Reference Number: L&C/Advt/2024/Sep/2671 • UIN: 110L179V01
Tata AIA Smart Sampoorna 38 100
Raksha Supreme
Maturity Age1 (in years)
Unit Linked, Non-Participating Individual Life Insurance Plan
IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT
PORTFOLIO IS BORNE BY THE POLICYHOLDER. LINKED
INSURANCE PRODUCTS DO NOT OFFER ANY LIQUIDITY 20 82
DURING THE FIRST FIVE YEARS OF THE CONTRACT. THE
POLICYHOLDER WILL NOT BE ABLE TO SURRENDER/ Policy Term (in years)
WITHDRAW THE MONIES INVESTED IN LINKED INSURANCE
PRODUCTS COMPLETELY OR PARTIALLY TILL THE END OF
THE FIFTH YEAR. Premium Paying Term:
Are you someone with aspirations for yourself and your loved
Limits Limited Pay Regular Pay
ones, eager to turn your dreams into reality? We understand
the importance of planning in advance, which is why we Minimum 5 years 20 years
introduce to you, Tata AIA Smart Sampoorna Raksha Supreme
Maximum Policy term minus 1 years Equal to Policy Term
- a blend of SECURITY, WEALTH, and GOALS.
This plan ensures a high life cover for you in addition to a Single pay is also available.
comprehensive financial protection for your loved ones.
Premium Payment Frequency: Single, Annual, Half-Yearly,
Acting as a comprehensive tool for your life-long goals, Quarterly and Monthly.
combining this plan with multiple riders makes this plan a true
shield for your future goals like children’s education, Annualised Premium#:
comfortable retirement, comprehensive health coverage etc.
Limited Pay (r) Other
Limits Single
Key Benefits of Tata AIA Smart Sampoorna Pay (r)
Payment (r)
5-6 years 7-9 years Term
Raksha Supreme
Minimum 20,000 p.a. 20,000 p.a. 18,000 p.a. 15,000 p.a.
1. Financial Protection
• Offers high sum assured, to secure your loved ones Maximum As per Board Approved Underwriting Policy (BAUP).
from unforeseen events.
• Flexible premium payment term; with an option of Top-up Premium: R 1,000 per top-up
whole life coverage. #
Premiums exclude taxes, rider premiums and underwriting extra premiums
on riders, if any.
• Customize to exactly align with future goals.
2. Wealth Creation Sum Assured:
• Choose from a range of debt and equity oriented Minimum Sum Assured:
funds.
• Generate a second income with new partial withdrawal Premium Basic Sum Assured
strategies. Payment Term

3. Loyalty Addition/Fund Booster Other than Single Pay Age at Entry less than 50 years: 7 times
Annualised Premium
• Refund of 2X Premium Allocation Charges#
Age at Entry 50 years and Above: 5 times
• Refund of Mortality Charges# Annualised Premium
• Smart lady benefit for female customers*.
Single Pay Age at Entry less than 50 years: 1.25
*Refer to Smart lady provision under benefits section. times Single Premium
#
Applicable only under the Classic option Age at Entry 50 years and Above: 1.10
times Single Premium
Eligiblity Criteria
1Age as on last birthday Maximum Sum Assured:
Premium Attained Age (last
Basic Sum Assured
Payment Term birthday) of Assured
18 65
Other than Till attained age As per Board Approved
Entry Age1 (in years) Single Pay of 85 years Underwriting Policy (BAUP)

1 2
 Premium Attained Age (last What are your Benefits?
Basic Sum Assured
Payment Term birthday) of Assured Maturity Benefit
10 times Annualised On survival to the end of the policy term, you will receive the
Other than Post attained Premium or Sum Assured Total Fund Value including Top-Up Premium Fund Value, valued
Single Pay age of 85 years at inception, whichever is at the applicable NAV on the date of Maturity.
lower
Death Benefit
As per Board Approved
Till attained In case of death of the life insured during the policy term and
Underwriting Policy
age of 85 years while the policy is in force, the Nominee will get,
Single Pay (BAUP)
Post attained 1.25 times Single Highest of
age of 85 years Premium (i) the Basic Sum Assured net of all “Deductible Partial
Withdrawals”, if any, from the Premium Fund Value, or
Plan Option$ (ii) the Premium Fund Value of this Policy or
• Classic (iii) 105 percent of the total Premiums paid up to the date of
death net of all “Deductible Partial Withdrawals”, if any.
For every penny you spend, it is important that you get
something in return. Under this option we add the mortality In addition to this:
charge and premium allocation charge to your fund; giving Highest of
a boost to your fund value which helps you fulfill (i) the approved Top-up Sum Assured(s) or
your dreams. (ii) Top-up Premium Fund Value of this Policy
• Optima is also payable provided the policyholder has a Top-up
Sometimes buying an insurance and not worrying about Premium Fund Value. Deductible Partial Withdrawals is not
charges is the best thing. This option comes with ZERO applicable in case of Top-Up Sum Assured.
premium allocation and ZERO policy admin charge thus For purpose of determining the Death Benefit, the Deductible
simplifying charge structure. This reduces overall charge Partial Withdrawals mentioned above shall mean the Partial
deduction from your fund leading to a high fund value. withdrawals made during the last two years immediately
Change in plan option is not allowed.
$ preceding the date of death of the Insured.

How does this plan work? Benefit Illustration

If the Insured is alive on the day of the Maturity, Maturity Benefit
Secure and invest with this plan in 3 easy steps: shall be the Fund Value, including Top-Up Fund Value, if any.
Step 1: Make a choice from the two available options. To understand these benefits let’s have a look at the following
Step 2: Decide your term of investment and pay premiums Benefit Illustration table
with full flexibility For Classic:
Step 3: Decide your Sum Assured amount and choose your The table below demonstrates the Total Maturity Benefit for a
investment strategy. 35-year-old healthy, non-smoker male under Classic plan
option.
• Fund Allocation: 100% in Flexi Growth Fund
Non -Guaranteed Benefits
Guaranteed
Benefits (r) Lower Rate Higher Rate
Age Policy Term Premium Paying Annualised Total Premiums Illustration (4%) (r) Illustration (8%) (r)
(Years) (Years) Term (Years) Premium (R) Paid (r)
Basic Sum Total Maturity Total Maturity
Assured (r) Benefit* (r) Benefit* (r)
35 50 5 5,00,000 25,00,000 1 Cr 37,05,511 4,65,52,781
35 50 10 4,00,000 40,00,000 1 Cr 1,08,24,684 6,70,24,101
35 50 12 3,33,333 39,99,996 1 Cr 1,02,00,277 6,30,61,333
35 50 15 2,85,714 42,85,710 1 Cr 1,09,39,762 6,21,73,202
35 50 50 2,50,000 1,25,00,000 1 Cr 2,42,82,883 8,66,80,470

3 4
For Optima:
The table below demonstrates the Total Maturity Benefit for a
35-year-old healthy, non-smoker male under Optima plan
option.
• Fund Allocation: 100% in Flexi Growth Fund -

Non -Guaranteed Benefits

Guaranteed
Benefits (r) Lower Rate Higher Rate
Age Policy Term Premium Paying Annualised Total Premiums Illustration (4%) (r) Illustration (8%) (r)
(Years) (Years) Term (Years) Premium (R) Paid (r)
Basic Sum Total Maturity Total Maturity
Assured (r) Benefit* (r) Benefit* (r)
35 50 5 4,00,000 20,00,000 1 Cr 29,09,610 3,31,18,127
35 50 10 3,33,333 33,33,330 1 Cr 59,58,190 5,33,75,296
35 50 12 2,85,714 34,28,568 1 Cr 65,29,212 5,15,46,761
35 50 15 2,50,000 37,50,000 1 Cr 77,97,712 5,19,34,469
35 50 50 2,22,222 1,11,11,100 1 Cr 2,01,72,452 7,46,70,979
Premium will vary depending upon the Option chosen Some benefits are guaranteed and some benefits are variable with returns
based on the future performance of your insurer carrying on life insurance
Loyalty Additions/Fund boosters business. If your policy offers guaranteed benefits then these will be clearly
marked “guaranteed’ in the illustration table on the pages 3 & 4. If your
Refund of Mortality Charges policy offer variable benefits then the illustrations on the pages 3 & 4 will
show two different sections.
Classic
Under this plan, starting from the 11th policy year, at the end of Cover Continuance Booster
each policy month, we add the mortality charge (excluding Cover Continuance Boosters shall be added in the form of
underwriting extra and taxes) deducted in the 120th month addition of units as below.
prior to your Fund Value in the form of addition of units. For Cover Continuance Boosters are non-negative amounts and
instance, in the 121st policy month, your fund gets an addition shall only be added if the policy is in force and all due premiums
of the mortality charges deducted (excluding underwriting have been paid. This additional allocation will be available
extra and taxes) in the 1st policy month. All such additions shall under both the plan options. Details of Cover Continuance
continue till you attained age of 85 years, or till the end of policy Booster shall be as defined in Annexure A below.
term, whichever is earlier, provided that the policy is in force
and all due premiums till date have been paid. Smart Lady
For Female lives, 0.50% of the Instalment Premium or 0.25% of
Optima
Single Premium shall be added to the Fund Value at the time of
Not Applicable allocation of first year’s premium or Single premium respectively.
This amount will be allocated among the funds in the same This additional allocation will be available under both the
proportion as the value of total units held in each fund at the plan options.
time of allocation.
What are your investment avenues?
Refund of Premium Allocation Charges This product offers you the flexibility to invest in a manner that
Classic suits your investment risk profile and individual needs.
At the end of 10th, 11th 12th and 13th policy years, twice the a) You can choose from the 24 investment fund options
total Premium Allocation Charges (excluding taxes) deducted OR
10 years prior (i.e. over the policy years 1,2, 3 and 4 b) Choose any one of the following PORTFOLIO
respectively) shall be added to the Fund Value in the form of STRATEGIES
addition of units. Such additions shall continue till the policy is i) Enhanced Systematic Money Allocation & Regular
in force and all due premiums till date have been paid. Transfer (Enhanced SMART)
This amount will be allocated among the funds in the same ii) Life-stage based Portfolio Strategy
proportion as the value of total units held in each fund at the Your allocable Premiums and Top- Ups (if any) are invested in
time of allocation. one or more investment funds as per your chosen asset
Optima allocation. You have an option of choosing any or all of the 24
Funds or such funds which are available at the time of allocation.
Not Applicable

5 6
We offer 24 investment funds ranging from 100% debt to Fund II, Whole Life Income Fund II and The Nifty Alpha 50
100% equity to suit your particular needs and risk appetite – Index Fund).
Emerging Opportunities Fund, Sustainable Equity Fund, If you wish to diversify your risk, you can choose to allocate
Dynamic Advantage Fund, Multi Cap Fund, India
your premiums in varying proportions amongst the 24
Consumption Fund, Top 50 Fund, Top 200 Fund, Super
investment funds.
Select Equity Fund, Large Cap Equity Fund, Whole Life
Mid Cap Equity Fund, Whole Life Aggressive Growth Fund, Our wide range of funds gives you the flexibility to redirect
Whole Life Stable Growth Fund, Whole Life Income Fund, future premiums and change your premium allocation
Whole Life Short-term Fixed Income Fund, Flexi Growth percentages from that point onwards. Also, you can switch
Fund, Constant Maturity Fund, Target Maturity Fund, monies from one investment fund to another at any time.
Small Cap Discovery Fund, Business Cycle Fund, Rising Switches must however be within the investment funds offered
India Fund, Midcap Momentum Index, Fund Flexi Growth under this plan.

Investment Fund Fund Objective Asset Allocation Minimum Maximum

The primary investment objective of the Fund is
to generate capital appreciation in the long term Equity 80% 100%
by investing in a portfolio of stocks that offer
Emerging opportunities in the Mid Cap space and
Opportunities Fund Debt Instruments 0% 10%
emerging leaders in the new age sectors offering High
(ULIF 064 12/09/22 significant long-term wealth creation. The fund
EOF 110) can invest up to 30% of the portfolio in equity Money Market Instruments, Cash,
and equity related instruments falling outside the Bank Deposits and Mutual Funds 0% 20%
mid-cap range.

Equity 80% 100%

To focus on investing in select companies from
Sustainable Equity the investment universe, which conduct
Debt Instruments 0% 20%
Fund (ULIF 065 business in socially and environmentally High
12/09/22 ESG 110) responsible manner while maintaining
governance standards. Money Market Instruments, Cash,
Bank Deposits and Mutual Funds 0% 20%

The primary investment objective of the Fund is to Equity 60% 100%

generate capital appreciation in the long term by
Multi Cap Fund (ULIF
investing in a diversified portfolio of Large Cap and
060 15/07/14 MCF
Mid Cap companies The allocation between Large High Debt Instruments 0% 40%
110) Cap and Mid Cap companies will be largely a
function of the relative valuations of Large Cap Cash / Money Market Instruments, 0% 40%
companies as against Mid Cap companies. Bank Deposits and Mutual Funds
The primary investment objective of the Fund is
to generate capital appreciation in the long term Equity 60% 100%
India Consumption by investing in a diversified portfolio of
Fund (ULIF 061 companies which would benefit from India’s High Debt Instruments 0% 40%
15/07/14 ICF 110) Domestic Consumption growth story. The India
Consumption Fund could provide an investment
opportunity in the theme of rising consumption Cash / Money Market Instruments, 0% 40%
power in India for long term returns. Bank Deposits and Mutual Funds
The Top 50 Fund will invest primarily in select
stocks which are a part of Nifty 50 Index with a Equity Instruments 60% 100%
focus on generating long term capital appreciation.
The Fund will not replicate the index but aim to
attain performance better than the performance of
Top 50 Fund (ULIF 026 the Index. As a defensive strategy arising out of
High
12/01/09 ITF 110) market conditions, the scheme may also invest in Cash/ Money Market Instruments
debt and money market instruments. 0% 40%
(including CP/CD), Bank Deposits
Objective: The primary investment objective of the and Mutual Funds
fund is to generate long term capital appreciation
by investing in select stocks.

7 8
 Investment Fund Fund Objective Asset Allocation Minimum Maximum
The Top 200 Fund will invest primarily in select
stocks which are a part of BSE 200 Index with a Equity Instruments 60% 100%
focus on generating long term capital appreciation.
The Fund will not replicate the index but aim to
attain performance better than the performance of
Top 200 fund (ULIF
High
027 12/01/09 ITT 110) the Index. As a defensive strategy arising out of
market conditions, the scheme may also invest in Cash/ Money Market Instruments
debt and money market instruments. (including CP/CD), Bank Deposits 0% 40%
Objective: The primary investment objective of the and Mutual Funds
fund is to generate long term capital appreciation
by investing in select stocks.
The Super Select Equity Fund will invest significant
amount in equity and equity linked instruments Equity and Equity
60% 100%
specifically excluding companies predominantly linked Instruments
dealing in Gambling, Lotteries/Contests, Animal
Produce, Liquor, Tobacco, Entertainment (Films,
TV etc) Hotels, sugar, leather, Banks and Financial
Super Select Equity Institutions. The risk profile of the fund is high. The
Fund (ULIF 035 cash holding of the Fund will be kept below 40% of Debt Instruments 0% 40%
High
16/10/09 TSS 110) the Fund or according to the prevailing regulatory
guidelines at each point of time.
Objective: The primary investment objective of the
fund is to provide income distribution over a period Cash/ Money Market Instruments
of medium to long term while at all times (including CP/CD), Bank 0% 40%
emphasizing the importance of capital Deposits and Mutual Funds
appreciation

The primary investment objective of the Fund is to Equity and Equity

80% 100%
Large Cap Equity Fund linked Instruments
generate long - term capital appreciation from a
(ULIF 017 07/01/08 High
portfolio that is invested pre-dominantly in large Cash / Money Market Instruments,
TLC 110) cap equity and equity linked securities. 0% 20%
Bank Deposits and Mutual Funds
The primary investment objective of the Fund is to Equity and Equity
Whole Life Mid Cap 60% 100%
generate long – term capital appreciation from a linked Instruments
Equity Fund(ULIF 009 High
portfolio that is invested pre-dominantly in Mid Cap Cash/Money Market Instruments,
04/01/07 WLE 110) 0% 40%
Equity and Mid Cap Equity linked securities. Bank Deposits and Mutual Funds
Equity 20% 80%
Dynamic Advantage
The primary investment objective of the Fund is Medium Debt Instruments 20% 80%
Fund (ULIF 066
to maximize the returns with medium risk
12/09/22 DAF 110) Cash / Money Market Instruments,
Bank Deposits and Mutual Funds 0% 20%

Equity and Equity

The primary investment objective of the Fund is Linked instruments 50% 80%
Whole Life Aggressive to provide higher returns in long term by
Medium
Growth Fund(ULIF 010 investing primarily in Equities along with debt/ Debt Instruments 20% 50%
to High
04/01/07 WLA 110) money market instruments. Cash / Money Market Instruments,
Bank Deposits and Mutual Funds 0% 30%

Equity and Equity

Whole Life Stable The primary investment objective of the Fund is Linked instruments 30% 50%
Growth Fund(ULIF 011 to provide stable returns by balancing the Low to
Debt Instruments 50% 70%
04/01/07 WLS 110) investment in Equities and debt/ money market Medium
instruments. Cash / Money Market Instruments,
Bank Deposits and Mutual Funds 0% 20%

9 10
Investment Fund Fund Objective Asset Allocation Minimum Maximum
The primary investment objective of the Fund is
Whole Life Income to generate income by investing in a range of Debt Instruments 60% 100%
Fund (ULIF 012 debt and money market instruments of various Low
04/01/07 WLI 110) maturities with a view to maximizing the optimal Cash / Money Market Instruments, 0% 40%
balance between yield, safety and liquidity. Bank Deposits and Mutual Funds
Whole Life Short-Term The primary investment objective of the Fund is to Debt Instruments of
generate stable returns by investing in fixed income 60% 100%
Fixed Income Fund duration less than 3 years
securities having shorter maturity periods. Under Low
(ULIF 013 Cash / Money Market Instruments,
normal circumstances, the average maturity of the 0% 40%
04/01/07 WLF 110) Fund may be in the range of 1-3 years. Bank Deposits and Mutual Funds

The primary investment objective of the Fund is Equity 70% 100%

Flexi Growth
Fund (SFIN: ULIF to generate capital appreciation in the long term High Debt Instrument 0% 10%
068 25/04/23 FGF by investing in a portfolio of stocks across market
Money Market Instrument, Cash,
110) capitalization. 0% 30%
Bank Deposits and Mutual funds
Debt Instruments - Government
The fund aims to provide reasonable returns over
Securities such that weighted
long term by investing in portfolio of Government
Constant Maturity average portfolio maturity of 80% 100%
Securities while maintaining constant average
Fund (SFIN: ULIF 069 Medium around 10 years (in the range of
maturity of the portfolio (ex - Cash/ Money
17/05/23 CMF 110) 8-12 years)
Market Instruments, Bank Deposits and Mutual
Funds) in the range of 8-12 years Money Market Instrument, Cash,
0% 20%
Bank Deposits and Mutual funds

The fund aims to provide reasonable returns over Government Securities (Residual
long term by investing in portfolio of Government maturity of any Government
Securities. The fund shall have the maturity on Securities forming part of the
Target Maturity portfolio shall be between the 80% 100%
31st Dec 2053. The residual maturity of any
Fund (SFIN: ULIF 070 Government Securities forming part of the Medium fund maturity date and date 5
17/05/23 TMF 110) portfolio shall be between the fund maturity date years before the fund maturity
and date 5 years before the fund maturity date date (i.e. 1st Jan 2049).
(i.e.1st Jan 2049). Money Market Instrument, Cash,
0% 20%
Bank Deposits and Mutual funds
The primary investment objective of the Fund is
to generate capital appreciation in the long term Equity 70% 100%
Small Cap by investing in a portfolio of stocks in small-cap
Discovery Fund market capitalization. The fund will primarily
High Debt Instrument 0% 10%
(SFIN: ULIF 071 invest in carefully selected small-cap companies
22/05/23 SCF 110) that offer opportunities for long-term value
creation. Minimum 65% of equity and equity Money Market Instrument, Cash,
related instruments of portfolio will comprise of 0% 30%
Bank Deposits and Mutual funds
small-cap stocks.
The investment objective of the Fund is to Equity instruments 70% 100%
Business Cycle Fund generate capital appreciation by investing
(SFIN: ULIF 072 predominantly in equity and equity-related High Debt 0% 30%
15/01/24 BCF 110) securities with a focus on investing in companies
and sectors to participate in the business cycles Money Market Instruments, Cash,
0% 30%
through active portfolio allocation. Bank Deposits and Mutual funds
The objective of the fund is to generate capital Equity instruments 70% 100%
Rising India Fund appreciation by investing predominantly in equity
(SFIN: ULIF 073 and equity-related securities with a focus to High Debt 0% 30%
17/01/24 RIF 110 invest in growth stories across the Indian
corporate landscape. Money Market Instruments, Cash,
0% 30%
Bank Deposits and Mutual funds

11 12
 Investment Fund Fund Objective Asset Allocation Minimum Maximum
The primary investment objective of the Fund is Equity instruments 80% 100%
Midcap Momentum to generate capital appreciation in the long term
Index Fund (SFIN: by investing in a portfolio of stocks indexed to the High Debt NA NA
ULIF 075 09/05/24 Nifty Midcap 150 Momentum 50 Index Fund,
subject to regulatory limits* Money Market Instruments, Cash,
MIF 110) 0% 20%
*Regulations may restrict us from investing in all the stocks Bank Deposits and Mutual funds
in line with their weights in the index from time to time
Equity 70% 100%
The objective of the Fund is to generate capital
appreciation in the long term by investing in a Debt Instrument 0% 30%
Flexi Growth Fund II
portfolio of stocks across market capitalization.
(SFIN: ULIF 074 High
The fund maintains flexibility to invest in carefully
02/05/24 FG2 110) Money Market Instrument, Cash,
selected companies that offer opportunities 0% 30%
across large, mid or small capitalization space. Bank Deposits and Mutual funds

The primary investment objective of the Fund is to

generate income through investing in a range of Debt Instruments 60% 100%
Whole Life Income debt and money market instruments of various
Fund II (SFIN: ULIF maturities with a view to maximizing the optimal Medium
076 06/06/24 WI2 balance between yield, safety and liquidity. The Money Market Instrument, Cash,
110) Fund will have no investments in equity or equity 0% 40%
Bank Deposits and Mutual funds
linked instruments at any point in time.
The primary investment objective of the Fund is to
Equity Instruments 80% 100%
generate capital appreciation in the long term by
Nifty Alpha 50 Index investing in a portfolio of stocks indexed to the
Fund (SFIN: ULIF 077 Nifty Alpha 50 Index. The fund will invest High
30/09/24 NAF 110) 80%-100% in Equity and Equity related Money Market Instruments, Cash,
0% 20%
instruments and 0%-20% in Cash and Money Bank Deposits and Mutual funds
Market Securities.

These funds have different risk profiles based on different types Closed Fund Default Fund
of investments that are offered under these funds. The returns Whole Life Mid Cap Equity
are expected to vary according to the risk profile of the Fund, Multi Cap Fund, India
funds chosen. Consumption Fund, Top 50
Fund, Top 200 Fund, Super
Although the funds are open ended, the Company may, as per Select Equity Fund, Emerging Large Cap Equity Fund
Board approved policy and subject to prior approval from Opportunities Fund, Sustainable
IRDAI, completely close any of the funds. The Policyholder will Equity Fund, Flexi Growth Fund,
be given at least three months’ prior written notice of our Small Cap Discovery Fund,
intention to close any of the Funds completely or partially Business Cycle Fund, Rising
India Fund, Midcap Momentum
except in ‘Force Majeure’, where we may give a shorter notice.
Index Fund, Flexi Growth Fund
In case of complete closure of a Fund, on and from the date of II, Nifty Alfa 50 Index Fund.
such closure, we shall cease to issue and cancel units of the
Whole Life Aggressive Growth
said Fund and cease to carry on activities in respect of the said Fund, Dynamic Advantage Fund, Whole Life Stable Growth Fund
Fund, except such acts as are required to complete the Constant Maturity Fund, Target
closure. In such an event if the Units are not switched to Maturity Fund
another Fund by the Policyholder, we will switch the said units Whole Life Income Fund, Whole Life Short Term Fixed
to any other appropriate Fund with similar characteristics as Whole Life Income Fund II Income Fund
per Board approved policy, with due weightage for the
If default Fund as mentioned in the table above is closed, then
respective NAVs at the time of switching, subject to prior
we will switch the said Units to any other appropriate Fund with
approval from the IRDAI. Switching of units from opted fund to
similar characteristics as per Board approved policy, with due
default fund will be done in the manner shown below:
weightage for the respective NAVs at the time of switching,
subject to prior approval from the IRDAI.

13 14
Force Majeure Provisions: Choose the following PORTFOLIO STRATEGY:
a) The Company shall value the Funds (SFIN) on each day for 1. Enhanced Systematic Money Allocation & Regular
which the financial markets are open. However, the
Transfer (Enhanced SMART)
Company may value the SFIN less frequently in extreme
circumstances external to the Company i.e. in force • Enhanced SMART is a systematic transfer plan
majeure events, where the value of the assets is too available only to the policies. It allows a customer to
uncertain. In such circumstances, the Company may defer enter the volatile equity market in a structured manner
the valuation of assets for up to 30 days until the Company under the Regular / Limited /Single Premium Fund.
is certain that the valuation of SFIN can be resumed.
• You get to choose two funds, a debt oriented fund and
b) The Company shall inform IRDAI of such deferment in the
valuation of assets. During the continuance of the force an equity oriented fund. Please refer to table below for
majeure events, all request for servicing the policy including the choice of available funds:
policy related payment shall be kept in abeyance.
Debt Oriented Funds Equity Oriented Funds
c) The Company shall continue to invest as per the fund
mandates as chosen by You. However, the Company shall Large Cap Equity Fund
reserve its right to change the exposure of all or any part of Whole Life Mid Cap Equity Fund
the Fund to Money Market Instruments [as defined under Whole Life Income Fund India Consumption Fund
Schedule III – Part- I – 1(8) of IRDAI (Actuarial, Finance and Whole Life Short-Term Fixed Multi Cap Fund
Investment Functions of Insurers) Regulations, 2024] in Income Fund
Super Select Equity Fund
circumstances mentioned under points (a and b) above. Constant Maturity Fund
Top 50 Fund
The exposure to of the Fund as per the fund mandates as Target Maturity Fund
chosen by You shall be reinstated within reasonable Top 200 fund
Whole Life Income Fund II
timelines once the force majeure situation ends. Emerging Opportunities Fund
Sustainable Equity Fund
d) Few examples of circumstances as mentioned [in point 3 (a
& b) above] are: Flexi Growth Fund
Small Cap Discovery Fund
i. when one or more stock exchanges which provide a
Business Cycle Fund
basis for valuation of the assets of the fund are closed
otherwise than for ordinary holidays. Rising India Fund
Midcap Momentum Index Fund
ii. when, as a result of political, economic, monetary or
Flexi Growth Fund II
any circumstances which are not in the control of the
Company, the disposal of the assets of the fund would Nifty Alpha 50 Index Fund
be detrimental to the interests of the continuing • Through Enhanced SMART, your entire annual
policyholders. allocable premium will be parked in the chosen debt
iii. in the event of natural calamities, strikes, war, civil oriented fund along with any existing units in that fund,
unrest, riots and bandhs. if any. These combined units in the chosen debt
iv. in the event of any force majeure or disaster that affects oriented fund will be systematically transferred on a
the normal functioning of the Company. monthly basis to the chosen equity oriented fund.
• All your future allocable premiums will also follow the
e) In such an event, an intimation of such force majeure event
same pattern as long as Enhanced SMART is active on
shall be uploaded on Our website for information.
your plan. Switching to/from the Enhanced SMART
Discontinued Policy Fund: funds to other available funds is not allowed.
The investment objective for Discontinued Policy Fund is to • This strategy is applicable only till premium payment
provide capital protection and a minimum return as per term and not with top-up premium fund.
regulatory requirement with a high level of safety and liquidity • A portion of total units in the chosen debt oriented fund
through judicious investment in high quality short-term debt. shall be switched automatically into the chosen equity
The strategy is to generate better returns with low level of risk oriented fund in the following way:
through investment in fixed interest securities having short term Monthly Enhanced SMART
maturity profile. The risk profile of the fund is very low. There is
a minimum guarantee of interest @ 4% p.a. or as prescribed by Policy Month 1 1/12 of the units available at the
IRDAI from time to time. beginning of Policy Month 1
Asset allocation: Policy Month 2 1/11 of the units available at the
beginning of Policy Month 2
Instrument Allocation ..........................
Government Securities 60% -100% Policy Month 6 1/ 7 of the units available at the beginning
of Policy Month 6
Money Market Instruments 0% - 40%

15 16
.......................... Debt Oriented Funds Equity Oriented Funds
Policy Month 11 ½ of the units available at the beginning of Large Cap Equity Fund
Policy Month 11 Whole Life Mid Cap Equity Fund
Policy Month 12 Balance units available at the beginning of Whole Life Income Fund India Consumption Fund
Policy Month 12 Whole Life Short-Term Fixed Multi Cap Fund
Income Fund
Thus, while the stock market remains volatile and Super Select Equity Fund
Constant Maturity Fund
unpredictable, Enhanced SMART strategy offers a systematic Top 50 Fund
Target Maturity Fund
way of rupee cost averaging. However, all investments through Top 200 fund
Whole Life Income Fund II
this option are still subject to investment risks, which shall Emerging Opportunities Fund
continue to be borne by you. Sustainable Equity Fund
Flexi Growth Fund
The following are the notable features of Enhanced
Small Cap Discovery Fund
SMART: -
Business Cycle Fund
1. Enhanced SMART offers flexibility, allowing you to opt for it Rising India Fund
at policy inception or on any policy anniversary. Midcap Momentum Index Fund
2. A written request for commencement, change, or restart Flexi Growth Fund II
must be received 30 days prior to the policy anniversary. Nifty Alpha 50 Index Fund
3. The selected strategy becomes effective from the following • Through this strategy, your allocable premium will be
policy anniversary and applies to future premiums for all parked in the chosen equity-oriented and debt-oriented
premium payment terms. fund in a pre-determined proportion based on the selected
risk profile and age. As you ages, your Fund value will be
4. Commencement, change, or restart requests for the shifted automatically from chosen equity-oriented fund to
strategy are subject to the payment of all due premiums. chosen debt-oriented fund according to then applicable
5. The option is free of charge, and you can stop it at any time Equity-Debt proportion as per the age group. If opted for
through a written request, effective from the next Enhanced this strategy, you shall not be allowed to exercise the
Premium-Redirection or Fund-Switching option. However,
SMART switching that follows company’s receipt.
you have an option to opt out of this strategy anytime
6. Manual fund switching is not allowed for the two funds during the Policy Term, by notifying the company at least
selected for Enhanced SMART activation but is permitted 30-days prior to the policy anniversary. You will be allowed
for other available funds with applicable charges. to exercise free Switches or Premium Redirection options
after opting out of this strategy.
7. Manual switching for top-up premiums is available at
The percentage allocation to equity-oriented fund according to
applicable charges.
age and risk profile is given below. The remaining percentage
8. Funds not associated with Enhanced SMART remain allocation out of 100% shall be in the debt-oriented fund.
invested in regular/Limited/Single premium funds.
Risk Profile
9. The Enhanced SMART option is unavailable during the Age Group
Aggressive Moderate Conservative
discontinuance of premium, but it can be opted for again
1-30 90% 70% 50%
upon policy revival.
31-40 80% 60% 50%
The Company may cease offering Enhanced SMART by giving 41-50 70% 50% 30%
30 days of written notice subject to prior approval of Insurance
51-60 55% 35% 15%
Regulatory and Development Authority of India.
61-70 40% 20% 0%
2. LIFE-STAGE BASED PORTFOLIO STRATEGY 71 & above 25% 5% 0%
Under the Life-stage based Portfolio Strategy, customer’s Units shall be rebalanced as necessary to achieve the above
portfolio will be structured as per the age and risk profile proportions of the Fund Value in the equity-oriented fund and
(Conservative, Moderate or Aggressive) chosen by the customer. the debt-oriented fund on the last day of each Policy quarter.
Under Life-Stage based strategy, you need to choose two The following are the notable features of Life-Stage Based
funds, a debt-oriented fund and an equity-oriented fund. Strategy:-
Below table demonstrates the choice of available funds: 1. The Life-Stage Based strategy is available for you and is
exercisable at policy inception or any policy anniversary,
with a written request received 30 days in advance of the
policy anniversary for commencement, change, or restart.
The request shall take effect on the policy anniversary.

17 18
2. Commencement, change, or restart requests for the to two years’ Annualised Regular Premiums in case of
strategy are subject to the payment of all due premiums. Regular/Limited Pay or 10% of Single Premium in case of
3. The Life-Stage Based Strategy comes with free of any Single Pay.
charge. • Maximum limit for partial withdrawal in a year, if any, will be
4. You can halt the Life-Stage Based Strategy at any point of as per BAUP and will be updated on the website from time
time through a written request at least 30 days prior to to time.
policy anniversary, with the cessation effective from the • Any number of partial withdrawals can be made in a policy
following policy anniversary. year and no charges shall be levied for making the partial
5. Manual fund switching or Premium-Redirection is not withdrawals.
permitted under this strategy. • The partial withdrawals shall not be allowed if it would
6. The Life-Stage Based Strategy Option is not available result in termination of the contract.
during the discontinuance of premium. Upon policy revival, Systematic Withdrawal Plan (SWP):
you can opt for the Life-Stage Based Strategy again.
This partial withdrawal facility allows policyholder to withdraw
Tracking and Assessing Your Investments from the fund at pre-determined intervals. Such withdrawals
You can monitor your investments can be a pre-determined percentage of the fund value or a
• On our website (www.tataaia.com); pre-determined absolute amount.
• Through the annual statement detailing the number of units For example, if the policyholder chooses 6% of the fund value
you have in each investment fund and their respective then to be withdrawn yearly, then an amount equal to 6% of the fund
prevailing NAV; and value would be paid as per the specified payout frequency.
• Through the published NAVs of all investment funds on our Following conditions shall apply on SWP:
website and Life council’s website. • The policyholder has option to choose the percentage
ranging from 1% to 15%.
What are the other benefits in your policy?
• This facility can be opted at policy inception or anytime
This is a Regular / Single/ Limited payment policy with during the policy term. The policyholder may modify or
protection for a chosen policy term and it is in your best interest opt-out of the facility by notifying the Company at least
to stay invested for the entire term. This will enable you to pay
30-days prior to the policy anniversary. Policyholder may
for a short term and enjoy all the special benefits offered under
this innovative product for the rest of your life. However, for choose to opt-in again as per the requirements on a later
contingency needs during the term of the policy, you may avail date.
of the Partial Withdrawal option. In case if you have a surplus • It is allowed only after five policy anniversaries from the
income, you may invest the same in your plan through top-ups. date of issuance of the policy.
Flexibility of Partial Withdrawals to create your • The payouts can be taken monthly, quarterly, half-yearly,
second income yearly or on specified date(s). The first payout will be made
Subject to policy being in force (including when the policy is on the withdrawal start date as chosen by the policyholder.
reduced paid up), Partial Withdrawal is allowed any time after • All conditions applicable for partial withdrawals such as
five policy anniversaries from the date of issuance of the policy. minimum and maximum withdrawal amount, age, etc. will
Under this facility, the policyholder can also opt for Systematic be applicable for Systematic Withdrawal Plan as well. Both
Withdrawal Plan (SWP), Chosen-Rate Withdrawal Plan (CWP) SWP and partial withdrawal can be availed simultaneously
and Index-Based Withdrawal Plan (IWP). provided the fund value in any given year is not less than
• Partial withdrawals shall be made first from the Top-Up two years’ annualized premiums for Limited/ regular pay
Premium Fund which has completed the lock in period and and 10% of single premium paid for single pay.
then from Regular/ Single / Premium Fund, if Top-Up Fund Chosen-rate Withdrawal Plan (CWP):
is insufficient. Under this partial withdrawal facility, a payout, as per the
• For the purpose of partial withdrawals, lock in period for the payout frequency chosen, will be processed in case the
Top-up premiums will be five years or any such limit performance of the fund(s) where policyholder has invested
prescribed by IRDAI from time to time. their premium is higher than the chosen rate of return by the
• The minimum amount that can be withdrawn is Rs. 1,000/- policyholder.
subject to Total Fund Value (Regular + Top Up Fund) post For example, if the actual fund value on the date of withdrawal
such withdrawals not being less than an amount equivalent is more than the fund value basis the chosen rate of return ,

19 20
then the positive difference between the two fund values shall by the policyholder. However, partial withdrawal can be availed
be paid out to the policyholder. If the actual fund value is less along with any of the above plans provided all the conditions
than the fund value basis the chosen rate, then no payout shall are being met.
be processed.
Flexibility of Top-ups
The following conditions shall apply on CWP:
You have the flexibility to pay additional premium as ‘Top-up
• The T&Cs applicable to SWP, shall be applicable to CWP. Premium’, provided the policy is in force
Both SWP and CWP cannot be opted together.
• Top-up premiums can be paid any time except during the
• Both CWP and partial withdrawal can be availed last five years of the policy term, subject to underwriting, as
simultaneously provided the fund value in any given year is long as all due premiums have been paid.
not less than two years’ Annualized premiums for Limited/
regular pay and 10% of single premium paid for single pay • The minimum Top-up amount is R 1,000/-.
• Policyholder will be provided an additional sum assured as
Index based Withdrawal Plan (IWP): per the table below, subject to BAUP.
This option works similar to CWP. But instead of choosing a
rate of return, the policyholder can link rate of return to an Age at Entry Top-Up Multiple
external index. If the performance of the fund(s) where policy Less than 50 years 1.25 times single premium
holder has invested their premium in is higher than their 50 years and above 1.10 times single premium
index-based return, then the positive difference between the
• Top-up premiums can be allocated in any proportion
two fund values shall be paid out to policy holder as per the
between the funds offered as chosen by the policyholder.
payout frequency chosen.
• Every Top-up Premium will have a lock- in period of five
The policyholder shall have an option to choose from a list of years from the date acceptance of such Top up premiums
indices such as except in case of complete withdrawal of policy.
1) Compound Annual Growth Rate (CAGR) of benchmark • Top-up premiums are subject to charges as described
fund as on date of withdrawal under "What are my Policy charges?"
2) 10-year G-Sec rate dated 1st April of each year as Increase or decrease in the Top-up Sum Assured is not allowed.
published by M/s. Financial Benchmarks India Pvt Ltd shall
Flexibility of Premium Mode
be applicable during the period of twelve months,
beginning 1st May of the relevant financial year. You have an option to pay the premiums either as Single Pay or
as Limited/Regular pay in Annually, Half-yearly, Quarterly and
3) SBI’s Savings A/c rate basis April 1 of the relevant year Monthly modes.
shall be applicable during the period of twelve months,
Loading on premiums will be applicable as mentioned in the
beginning 1st May of the relevant financial year
table below:
4) SBI’s 5-year term deposit rates basis April 1 of the relevant
Mode Modal Loading
year shall be applicable during the period of twelve months,
If monthly paid Annualised Premium / 12
beginning 1st May of the relevant financial year
If quarterly paid Annualised Premium / 4
5) CPI Inflation rate as published by mospi.gov.in for March
If semi-annually paid Annualised Premium / 2
shall be applicable during the period of 12 months,
beginning 1st May of the next financial year. If annually paid Annualised Premium / 1

The following conditions shall apply on IWP: Settlement Option

• The list of indices shall be specified by the company from On survival till the maturity date, you have an option to receive
the Maturity Benefit either in lump sum or in the form of
time to time. The policyholder shall have the flexibility to
periodical payments over a Settlement Period of five years from
change the index by notifying the company at least 30 days the Maturity Date. The first instalment under settlement option
prior to the policy anniversary. shall be payable on the date of maturity. The frequency of
• The T&Cs applicable to SWP, shall be applicable to IWP as periodical payment shall be chosen by you and can be yearly,
well. half-yearly, quarterly or monthly. The value of such periodical
payments will depend on the performance of the Funds
• Both IWP and partial withdrawal can be availed
selected for investment. Switches may be allowed during the
simultaneously provided the fund value in any given year is settlement period. Partial withdrawals shall not be available to
not less than two years’ annualized premiums for Limited/ you during the period. At any time during the settlement period,
Regular pay and 10% of single premium paid for single pay. you have the option to withdraw the Total Fund Value at that
Note: Only one plan out of SWP/CWP and IWP can be chosen time. No additional charges will be levied on such withdrawal.

21 22
During this Settlement Period, life cover shall be maintained at 5. Tata AIA Sampoorna Health (UIN: 110A167V02 or any
105% of the total premiums paid. In case of death, higher of later version) The Tata AIA Sampoorna Health provides
Total Fund Value at the time of death or 105% of total fixed benefit payouts as chosen by you for all your health
premiums paid will be returned to the Nominee. During this requirements regardless of hospital medical bills. The rider
period, Fund Management Charges and Mortality Charges will provides fixed benefit payout for multistage 57 critical
be deducted as due. Switching Charges will be levied if illnesses, unlimited Day Care procedures, surgeries, and
applicable. No other charges shall be levied. All charges are hospitalization.
shown under “What are my Policy Charges?” The following non-participating Unit-deducting riders can be
During this Settlement Period, the investment risk will be borne added to the base plan:
by you. Refund of Mortality Charges and Cover Continuance 1. Tata AIA Life Insurance Waiver of Premium (Linked)
Boosters do not apply during Settlement Period. Rider (UIN: 110A026V01 or any later version)
Optional Riders - You have further flexibility to customize your The Tata AIA Life Insurance Waiver of Premium (Linked)
product by adding the following non-participating Rider which that insurance benefits under the plan
premium-paying health riders continue to remain in place even if you are unable to pay
1. Tata AIA Life Insurance Linked Comprehensive the premiums towards the base plan owing to total and
Protection Rider (UIN: 110A031V02 or any other later permanent disability.
version) This rider provides coverage for various 2. Tata AIA Life Insurance Waiver of Premium Plus
unforeseen events, such as death, disability due to (Linked) Rider (UIN: 110A025V01 or any later version)
accident, a wide range of critical illnesses, or terminal
illness. It allows flexibility to receive benefi¬t as combination The Tata AIA Life Insurance Waiver of Premium Plus
of lump sum or income for ¬fixed period, Income till survival (Linked) Rider ensures that insurance benefits under the
of partner or Waiver of Premium. This rider can be opted plan continue to remain in place, even if you are unable to
either while taking the policy, or at the time of any policy pay the premiums towards the base plan owing to total
anniversary. and permanent disability, or death of the proposer.
2. Tata AIA Life Insurance Linked Comprehensive Health 3. Tata AIA Life Insurance Accidental Death and
Rider (UIN: 110A032V02 or any other later version) The Dismemberment (Long Scale) (ADDL) Linked Rider
rider covers various unforeseen events and illnesses, (UIN: 110A027V01 or any later version)
including disability, hospitalization, and critical illnesses
Tata AIA Life Insurance Accidental Death and
such as cancer and cardiac arrests. It also provides
coverage against both major illnesses, and minor injuries or Dismemberment (Long Scale) (ADDL) Linked Rider
illnesses, while allowing multiple claim payouts. Rider can provides a convenient solution that helps fill the financial
be opted either while taking the policy, or at the time of any gap for your family, in the event of an unfortunate death of
policy anniversary. the Life insured due to an accident.
3. Tata AIA Vitality Protect Plus (UIN: 110A048V03 or any 4. Tata AIA OPD Care (UIN: 110A166V01 or any later
later version) This rider provides coverage for various version)
unforeseen events, such as death, disability due to Tata AIA OPD Care provides end-to-end healthcare
accident, a wide range of critical illnesses, or terminal solutions. Under this rider, you can avail benefits like
illness. It allows flexibility to receive benefi¬t as combination consultations with general physicians or specialists,
of lump sum or income for ¬fixed period, Income till survival booking physiotherapy sessions, coverage for medicines
of partner or Waiver of Premium. This rider also motivates prescribed, managing your nutrition intake, and accessing
to live healthy lifestyle through ‘Tata AIA Vitality’ our emotional wellness tools like podcasts, guided meditation,
Wellness Program by offering rewards on achievements/ and mood tracker
health goals. The unit-deducting riders can be attached either at inception or
4. Tata AIA Vitality Health Plus (UIN: 110A047V03 or any any policy anniversary subject to the following:
later version) The rider covers various unforeseen events • The policy term of Waiver of Premium Rider and Waiver of
and illnesses, including disability, hospitalization, and Premium Plus Rider should not be more than the
critical illnesses such as cancer and cardiac arrests. It also outstanding premium paying term of the base policy
provides coverage against both major illnesses, and minor
• The policy term of Accidental Death and Dismemberment
injuries or illnesses, while allowing multiple claim payouts.
Rider should not be more than the outstanding policy term
This rider also motivates to live healthy lifestyle through
of the base policy.
‘Tata AIA Vitality’ our Wellness Program by offering rewards
on achievements/ health goals. The premium paying riders can be attached at policy inception

23 24
or any policy anniversary of the base plan subject to the rider a) Purchase & Allocation of Units in respect of Premiums
premium payment term and the policy term shall not be more received or Fund Value(s) switched in:
than the outstanding premium payment term and outstanding • If the premiums, by way of cash or a local cheque or a
policy term for the base plan. demand draft payable at par or the request for
Any minimum and maximum sum assured limits on all the switching in Fund Value(s) is/are received by us at or
above premium-paying riders will remain applicable, before 3:00 p.m. of a Business Day at the place where
irrespective of the fact that lower or higher sum assured might these are receivable, NAV of the date of receipt or the
be chosen as the base cover under this plan. due date, whichever is later shall apply.
• If the premium/s, by way of cash or a local cheque or a
Such rider attachments will be as per the ‘Board approved
demand draft payable at par or the request for switching
underwriting policy’ (BAUP) of the Company. in Fund Value(s) is/are received by us after 3:00 pm of a
The sum assured for any attaching rider(s) will not exceed the Business Day, at the place where these are receivable,
Basic Sum Assured. The cost of any attaching rider benefit / NAV of the next Business Day following the receipt or
cover will be levied either through rider charge or rider the due date, whichever is later shall apply.
premium, but not both. • If the premium/s is received by us by way of an outstation
cheque/outstation demand draft, NAV of the date of on
How is the NAV calculated? which these instruments are realized shall apply.
The Net Asset Value (NAV) of the segregated funds shall be b) Sale & Redemption of Units in respect of withdrawals,
computed as: surrender, Fund Value(s) switched out, death claim:
Market value of investment held by the fund + value of current • If a valid request/application is received by us at or
assets - (value of current liabilities and provisions, if any) before 3:00 pm of a Business Day, NAV of the date of
------------------------------------------------------------------------ receipt shall apply.
Number of units existing on Valuation Date (before • If a valid request/application is received by us after 3:00
creation/redemption of units) pm of a Business Day, NAV of the next valuation date
The Net Asset value (NAV) will be determined and published following the receipt shall apply.
daily in various financial newspapers and will also be available
on www.tataaia.com, the official website of Tata AIA Life. All What are the options to manage my
you have to do is multiply the number of Units you have with investments6?
the published NAV to arrive at the value of your investments. We offer you ample flexibility to manage your money so that
Credit/Debit of Units you can reap maximum benefits of your investments.
Premiums received, after deducting the Regular/ Limited Switching Between the Funds
/Single Premium / Top-up Premium Allocation Charge and The Policyholder may send the Company a written request to
applicable Goods and Services Tax and cess as applicable, will switch investment between available Funds. The written
be used to purchase Units at the NAV according to your request must specify the Fund(s) from which Units are to be
instruction for allocation of Premium. Units purchased by redeemed and the Fund(s) to which Units are being allocated.
Regular/ Limited /Single Premium and Top-up Premium, net of
The change will be effected on the applicable NAV as specified
payable premium allocation charge and applicable Goods and
under the paragraph “Cut-off time for determining the
Service Tax and cess as applicable, will be deposited into the
appropriate valuation date”.
Regular Premium Fund Value and Top-up Premium Fund Value
respectively. Switching may be restricted if portfolio strategy is chosen.
Please refer to the portfolio strategy section for more details.
Where notice is required (Partial Withdrawal, Complete
withdrawal or death of the Insured), Units being debited shall Premium Re-direction
be valued by reference to their NAV as specified in the section Premium Re-direction facility helps you to allocate future
“Cut-off time for determining the appropriate valuation date”. regular premiums to a different fund or set of funds provided
Unit Encashment Conditions percentage chosen is integral for each fund and sums to
Cut-off time for determining the appropriate valuation date 100%. There is no Premium-Redirection charge.
The appropriate Business Day at which NAV will be used to Premium Re-direction will not be allowed for Enhanced
purchase or redeem Units shall be determined in the SMART portfolio option.
following manner: -
6
Please contact our Insurance Advisor or visit our nearest branch office for
further details

25 26
What if I want to discontinue paying premiums? “Proceeds of the discontinued policies” means the fund value
as on the date the policy was discontinued, after addition of
Discontinuance of Premiums interest computed at the minimum guaranteed interest rate.
Discontinuance of Premium within Five Years from the Revival of a discontinued policy during lock-in periodUpon
Date of Commencement (Discontinuance of the policy during revival, the policy shall be revived restoring the risk cover, along
lock-in period): with the investments made in the segregated funds as chosen
For Regular/Limited Pay: by the policyholder, out of the discontinued fund, less the
applicable charges in accordance with the terms and
Upon expiry of the grace period, in case of discontinuance of conditions of the policy.
policy due to non-payment of premium, the fund value after At the time of revival, we shall:
deducting the applicable discontinuance charges, shall be
credited to the discontinued policy fund and the risk cover and i) collect all due and unpaid premiums without charging any
interest or fee
rider cover, if any, shall cease.
ii) levy policy administration charge and premium allocation
All such discontinued policies shall be provided a revival period
charge as applicable during the discontinuance period
of three years from date of first unpaid premium. On such
discontinuance, we shall communicate the status of the policy, iii) add back to the fund, the discontinuance charges
within three months of the first unpaid premium, to the deducted at the time of discontinuance of the policy
policyholder and provide the option to revive the policy within Segregated Discontinued Policy Fund
the revival period of three years. The discontinued policy fund shall be a segregated unit fund.
i) In case the policyholder opts to revive but does not revive Only fund management charges shall be applicable on such
the policy during the revival period, the proceeds of the funds. The fund management charge on discontinued policy
discontinued policy fund shall be paid to the policyholder at fund shall be declared by the IRDAI from time to time. Currently,
the end of the revival period or lock-in period whichever is the fund management charge shall not exceed 50 basis points
later. In respect of revival period ending after lock-in period, per annum.
the policy will remain in discontinuance fund till the end of Minimum Guaranteed Interest Rate
revival period. The Fund management charges of
The minimum guaranteed interest rate applicable to the
discontinued fund will be applicable during this period and
discontinued fund shall be declared by the IRDAI from time to
no other charges will be applied.
time. The current minimum guaranteed interest rate applicable
ii) In case the policyholder does not exercise the option as set to the discontinued fund is 4% per annum.
out above, the policy shall continue without any risk cover
The excess income earned in the discontinued fund over and
and rider cover, if any, and the policy fund shall remain
above the minimum guaranteed interest rate shall also be
invested in the discontinuance fund. At the end of the
apportioned to the discontinued policy fund in arriving at the
lock-in period, the proceeds of the discontinuance fund
proceeds of the discontinued policies and shall not be made
shall be paid to the policyholder and the policy shall
available to the shareholders.
terminate.
iii) However, the policyholder has an option to surrender the Surrender Value
policy anytime and proceeds of the discontinued policy If the policy acquires a surrender value during the first five
shall be payable at the end of lock-in period or date of years, it shall become payable only after the completion of the
surrender whichever is later. lock-in period.
For Single Pay: Discontinuance of Premium after Five Years from the Date
The policyholder has an option to surrender any time during the of Commencement (Discontinuance of Policy after the
lock-in period. Upon receipt of request for surrender, the fund lock-in-Period):
value, after deducting the applicable discontinuance charges, For Regular/Limited Pay:
shall be credited to the discontinued policy fund.
Upon expiry of the grace period, in case of discontinuance of
The policy shall continue to be invested in the discontinued policy due to non-payment of premium after lock-in period, the
policy fund and the proceeds from the discontinuance fund policy shall be converted into a reduced paid up policy. The
shall be paid at the end of lock-in period. Only fund policy shall continue to be in reduced paid-up status without
management charge can be deducted from this fund during rider cover, if any. All charges as per terms and conditions of
this period. Further, no risk cover shall be available on such the policy may be deducted during the revival period. However,
policy during the discontinuance period. the mortality charges shall be deducted based on the reduced
paid up sum assured only.

27 28
On such discontinuance, Insurer shall communicate the status Surrender Value
of the policy, within three months of the first unpaid premium, After the lock-in period, the surrender value shall be equal to
to the policyholder and provide the following options: the fund value as on the date of surrender.
(1) To revive the policy within the revival period of three years,
or REDUCED PAID UP
(2) Complete withdrawal of the policy. “Discontinuance of Premium after Five Years from the Date of
Commencement”
In case the policyholder opts for (1) above but does not revive
Reduced paid-up Sum Assured = Basic Sum Assured * (t / n)
the policy during the revival period, the fund value shall be paid
to the policyholder at the end of the revival period. Where,
The death benefit during the revival period for the primary life t = Total number of Premiums paid
assured shall be, n=Total number of Premiums payable for the entire premium
Highest of, paying term
• Reduced Paid-up Sum Assured on Death net of all The death benefit applicable for Reduced Paid-up policy shall
“Deductible Partial Withdrawals”, if any, from the Regular/ be,
Limited Premium Fund Value or Highest of,
• the Regular/ Limited Premium Fund Value of this Policy or 1. Reduced Paid-up Sum Assured net of all deductible partial
withdrawals or
• 105 percent of the total Regular/ Limited Premiums paid up
to the date of death net of all “Deductible Partial 2. Regular Premium Fund Value of the policy
Withdrawals”, if any. 3. 105% of the total Regular Premiums paid up to the date of
In addition to this: death net of all deductible partial withdrawals, if any
Highest of In addition to this:
• Top-Up Sum Assured(s) or Highest of,
• Top-Up Premium Fund Value of this Policy or 1.The approved Top-up Sum Assured(s) or
is also payable provided the Policyholder has a Top-Up 2.Top-Up Premium Fund Value of the policy
Premium Fund Value. is also payable provided the policyholder has a Top-up
In case the policyholder opts (ii), i.e., to withdraw the policy Premium Fund Value.
completely, then the policy will be surrendered, and the fund A reduced paid-up policy will continue as per policy terms and
value (including any Top-Up fund value) shall be paid. conditions and charges as mentioned under “What are the
charges in your policy?" shall continue to be deducted.
In case the policyholder does not exercise any option as set
out above, the policy shall continue to be in reduced paid up Policyholder will have an option of resuming payment of
status. At the end of the revival period the proceeds of the premiums with full sum assured before the end of revival period .
policy fund shall be paid to the policyholder and the policy shall Partial Withdrawal will be allowed during the reduced
terminate. paid-up status
However, the policyholder has an option to surrender the policy What if I want to discontinue the policy?
anytime and proceeds of the policy fund shall be payable.
For Single Pay: Surrender Benefit and Surrender Terms & Conditions
The policyholder has an option to surrender the policy any The policyholder can completely withdraw his/her policy
time. Upon receipt of request for surrender, the fund value as anytime during the policy term by intimating the company.
on date of surrender shall be payable. If policyholder requests for Complete Withdrawal from the
policy –
Revival of a discontinued policy after lock-in period
• Within the lock-in period; the surrender value i.e. the fund
Upon revival, the policy shall be revived restoring the risk cover value less applicable discontinuance charges as on the
in accordance with the terms and conditions of the policy. The date of discontinuance shall be credited to the
rider may also be revived at the option of the policyholders. ‘Discontinued Policy Fund’ as maintained by the Company.
At the time of revival, we: The ‘Proceeds of the Discontinued Policy’ i.e. the fund
value as on the date of discontinuance plus entire income
i) shall collect all due and unpaid premiums under base plan earned after deduction of the fund management charges,
without charging any interest or fee subject to a minimum guarantee of interest @ 4% p.a. or as
ii) may levy premium allocation charge as applicable prescribed by IRDAI from time to time shall be paid to the
iii) shall not levy any other charges. policyholder after completion of the lock-in period.

29 30
 In case of death of the insured during this period the by 5% on compounded basis only till 18th policy year (and
“Proceeds of the Discontinued Policy” shall be payable to constant thereafter) but shall be subject to a maximum of ₹ 500
the nominee immediately. per month. The maximum Policy Administration Charge shall
not exceed the limits as decided by IRDAI from time to time.
• After the Lock-in Period; the total fund value as on the date
of complete withdrawal shall be paid to the policy holder. Optima
Lock-in period means the period of 5 consecutive years from Not Applicable
the date of commencement of the policy, during which period
the proceeds of the discontinued policies cannot be paid by Fund Management Charge
the insurer, except in the case of death or upon the happening A Fund Management Charge will be charged for each fund on
of any other contingency covered under the policy. each valuation date at 1/365 of the following annual rates and
All the benefits in this policy shall cease on the date of will be applied on the total values of the investment funds as
complete withdrawal. given below

What are my policy charges7? Sr. Fund Fund Management

No Charge per annum
Premium Allocation Charge
1 Emerging Opportunities Fund
Classic 1.20%
(SFIN: ULIF 064 12/09/22 EOF 110)
Premium Allocation Charge as below will be deducted from the 2 Sustainable Equity Fund
Regular/ Limited /Single Premium. The net Regular/ Limited 1.20%
(SFIN: ULIF 065 12/09/22 ESG 110)
/Single Premium after deduction of charges are invested in
3 Dynamic Advantage Fund
Funds as per your choice. 1.20%
(SFIN: ULIF 066 12/09/22 DAF 110)
Single Pay:
4 Super Select Equity Fund
1.20%
Premium Allocation Charge as a % of Single Premium (SFIN: ULIF 035 16/10/09 TSS 110)
Policy Year % of Single Premium 5 Top 50 Fund
1.20%
1 3% (SFIN: ULIF 026 12/01/09 ITF 110)

For Regular/Limited Pay: 6 Top 200 fund

1.20%
(SFIN: ULIF 027 12/01/09 ITT 110)
Premium Allocation Charge as a % of Annualised Premium
7 Multi Cap Fund
Policy Year % of Annualised Premium 1.20%
(ULIF 060 15/07/14 MCF 110)
1 12%
8 India Consumption Fund
2 6% 1.20%
(ULIF 061 15/07/14 ICF 110)
3 4%
9 Large Cap Equity Fund
4 2% 1.20%
(ULIF 017 07/01/08 TLC 110)
5 years onwards Nil
10 Whole Life Mid Cap Equity Fund
1.20%
Top-up Premium Allocation Charge = 1.5% of Top-up (ULIF 009 04/01/07 WLE 110)
premium. 11 Whole Life Aggressive Growth Fund
1.10%
The premium allocation charges are guaranteed throughout (ULIF 010 04/01/07 WLA 110)
the term of the policy. 12 Whole Life Stable Growth fund
The above premium allocation charges shall not exceed the 1.00%
(ULIF 011 04/01/07 WLS 110)
maximum premium allocation charge as declared by the IRDAI
13 Whole Life Income Fund
which currently stands at 12.5% of Annualised Premium for (ULIF 012 04/01/07 WLI 110) 0.80%
any year.
14 Whole Life Short-Term Fixed
Optima Income Fund (ULIF 013 04/01/07 0.65%
Not Applicable WLF 110)

Policy Administration Charge 15 Flexi Growth Fund

1.20%
(SFIN: ULIF 068 25/04/23 FGF 110)
Classic
16 Constant Maturity Fund
From 5th policy year onwards Policy Administration Charge of 0.80%
(SFIN: ULIF 069 17/05/23 CMF 110)
0.41% of Annualised Premium for Regular/Limited pay and
0.075% of Single Premium shall be charged at the beginning of 17 Target Maturity Fund
0.80%
each policy month. The charge will increase each policy year (SFIN: ULIF 070 17/05/23 TMF 110)
Sr. Fund Fund Management b) Top-up Premium Fund Value at the time of deduction of
No Charge per annum Mortality Charge.
18 Small Cap Discovery Fund Sample mortality charges for healthy, male, non-smoker are
1.20% provided below:
(SFIN: ULIF 071 22/05/23 SCF 110)
19 Business Cycle Fund Sample Age Mortality Charges per 1000
1.20% Sum at Risk (per annum)
(SFIN: ULIF 072 15/01/24 BCF 110)
20 Rising India Fund 25 0.787
1.20%
(SFIN: ULIF 073 17/01/24 RIF 110) 35 1.016
21 Midcap Momentum Index Fund 45 2.179
1.20%
(SFIN: ULIF 075 09/05/24 MIF 110) 55 6.348
22 Whole Life Income Fund II The Mortality Charges will be guaranteed for the policy term.
8
1.35%
(SFIN: ULIF 076 06/06/24 WI2 110) For complete details on Mortality Charges visit us at
23 Flexi Growth Fund II www.tataaia.com
1.35%
(SFIN: ULIF 074 02/05/24 FG2 110)
Discontinuance Charge
24 Nifty Alpha 50 Index Fund
1.35% The Policyholder can discontinue paying premium anytime
(SFIN: ULIF 077 30/09/24 NAF 110)
during the policy term by intimating to the company. However,
A Fund Management Charge of 0.50% p.a. shall be charged on when the request for discontinuance from the policy is within
Discontinued Policy Fund. The current cap on Fund the lock-in period of 5 years from policy inception, total fund
Management Charge (FMC) for Discontinued Policy Fund is value, net of discontinuance charges as on the date of
0.50% p.a. and shall be declared by the IRDAI from time to time. discontinuance shall be put in the ‘Discontinued Policy Fund’.
Fund Management Charges are subject to revision by Company The ‘Proceeds of the Discontinued Policy’ i.e., the fund value
with prior approval of IRDAI but shall not exceed 1.35% per as on the date of discontinuance plus entire income earned
annum of the Fund value which is the maximum limit currently after deduction of the fund management charges, subject to a
specified by the IRDAI and can change from time to time. minimum guarantee of interest @ 4% p.a. or as prescribed by
IRDAI from time to time shall be paid to the Policyholder only
Mortality Charge8: after completion of the lock-in period.
The Mortality Charge of the policy will be deducted by The applicable discontinuance charges are as given below.
cancelling Units at the current NAV, from the Fund value of the
For Single Pay:
Policy at the beginning of each Policy Month. In case of the
Top-up Sum Assured, the same will be deducted from the Where the policy Maximum Maximum
Top-up Premium Fund Value. If the Fund Value is insufficient, is discontinued Discontinuance Discontinuance
then Mortality Charge will be deducted from the Top-up during the policy Charges for the Charges for the
year policies having policies having
Premium Fund Value, if any and vice-versa. Single premium up Single premium
Mortality charge = Sum at Risk (SAR) multiplied by the to R 3,00,000/- above R 3,00,000/-
applicable Mortality Rate for the month, based on the attained Lower of 2% of Lower of 1% of
age of the Life insured. Single Premium or Single Premium or
Sum at Risk in each month for Regular Account is the Single Premium Single Premium
1
difference between: Fund Value subject Fund Value subject
to a maximum of to a maximum of
a) Maximum of (Basic Sum Assured net of all deductible R 3000/- R 6000/-
partial withdrawals, if any, from the Fund Value or 1.05
Lower of 1.5% of Lower of 0.70% of
times total premiums paid) Single Premium or Single Premium or
and Single Premium Single Premium
2
b) Fund Value at the time of deduction of Mortality Charge Fund Value subject Fund Value subject
to a maximum of to a maximum of
Sum at Risk in each month for Top-up Account is the difference R 2000/- R 5000/-
between:
a) Maximum of (Top-up Sum Assured, from the relevant
Top-up Premium Fund Value
and
Where the policy Maximum Maximum There are no discontinuance charges applicable on the Top-up
is discontinued Discontinuance Discontinuance premium Fund Value.
during the policy Charges for the Charges for the The maximum discontinuance charge shall not exceed the
year policies having policies having
Single premium up Single premium
limits as decided by the IRDAI from time to time.
to R 3,00,000/- above R 3,00,000/- Partial Withdrawal Charge
Lower of 1% of Lower of 0.50% of There are no partial withdrawal charges for both options under
Single Premium or Single Premium or
this plan.
Single Premium Single Premium
3
Fund Value subject Fund Value subject Fund Switching Charge
to a maximum of to a maximum of There is no fund switching charge for both options.
R 1500/- R 4000/-
Lower of 0.5% of Lower of 0.35% of Miscellaneous Charge:
Single Premium or Single Premium or Nil
Single Premium Single Premium
4 Premium Re-direction Charge
Fund Value subject Fund Value subject
to a maximum of maximum of There is no Premium Redirection Charge.
R 1000/- R 2000/- 7
The Company may alter all the above charges (except Mortality Charge and
5 Nil Nil Premium Allocation Charges which are guaranteed throughout the term) by
giving an advance notice of at least three months to the policyholder subject
to the prior approval of IRDAI and will have prospective effect.
For Limited/Regular Pay:
POLICY TERMINATION
Where the policy Maximum Maximum
is discontinued Discontinuance Discontinuance All coverage under this Policy shall automatically terminate on
during the policy Charges for the Charges for the the occurrence of the earliest of the following:
year policies having policies having (1) Date of Maturity of policy
annualized premium annualized premium
up to ₹ 50,000/- above ₹ 50,000/- (2) Date of complete withdrawal
Lower of 20% of Lower of 6% of (3) Date of Death of the Insured, or
Annualised Premium Annualised Premium
(4) Date of end of lock-in-period/revival period, whichever is
or Regular Premium or Regular Premium
1 later in case of Discontinuance of Premium within 5 years,
Fund Value subject Fund Value subject
provided the policy is not revived during the revival period.
to a maximum of to a maximum of
₹ 3000 ₹ 6000 (5) After completion of premium paying term, the policy will
Lower of 15% of Lower of 4% of terminate as and when the total fund value becomes less
Annualised Premium Annualised Premium than or equal to 10% of Instalment Premium/ /1% of the
or Regular Premium or Regular Premium Single Premium or the applicable monthly charges cannot
2 be deducted due to insufficient fund balance, whichever
Fund Value subject Fund Value subject
to a maximum of to a maximum of happens first; except if any of the following conditions is
₹ 2000 ₹ 5000 true:
Lower of 10% of Lower of 3% of a. Five policy years have not elapsed since the inception
Annualised Premium Annualised Premium of the contract.
or Regular Premium or Regular Premium
3 b. If the policy is in-force premium paying
Fund Value subject Fund Value subject
to a maximum of to a maximum of On such termination, the balance fund value shall be payable
₹ 1500 ₹ 4000 to the policyholder. This situation may result because of the
Lower of 5% of Lower of 2% of combined impact of partial withdrawals at inopportune time
Annualised Premium Annualised Premium and fund performance.
or Regular Premium or Regular Premium
4 Terms and Conditions
Fund Value subject Fund Value subject
to a maximum of maximum of ₹ 2000 Important aspects
₹ 1000 1. Total Sum Assured under the plan is the total of Basic Sum
5 Nil Nil Assured and Top-up Sum Assured.
2. The premium and any Top-up premium net of premium Free Look Period
allocation charge will be used to purchase units in the If You are not satisfied with the terms & conditions, You have
various investment fund/s offered under this plan and as the right to cancel the Policy by giving written notice to Us
chosen by you. The units purchased in the investment fund stating objections/ reasons and You will receive the
is the monetary amount allocated to the investment fund non-allocated premium plus charges levied by cancellation of
divided by its then prevailing NAV per unit. units plus fund value at the date of cancellation less (a)
3. Fund Value is equal to the number of units pertaining to proportionate risk premium for the period of cover (b) medical
Regular/ Limited /Single premiums allocated to the examination costs, if any and (c) stamp duty, along with Goods
investment fund/s chosen by you multiplied by its then and Services Tax and cess as applicable on above which has
prevailing NAV per unit. Top-up Premium Fund Value, if any, been incurred for issuing the Policy. Such notice must be
is equal to the number of units pertaining to Top-up signed by You and received directly by Us within 30 days
premiums allocated to the investment fund/s chosen by beginning from the date of receipt of the Policy Document,
you multiplied by its then prevailing NAV per unit. whether received electronically or otherwise.
4. Total Fund Value under this plan is the total of Fund Value Grace Period
and Top-up Premium Fund Value, if any. The Fund Value
If you are unable to pay your Regular/ Limited /Single Premium
represents the total value of your investments to date and is on time, starting from the date of first unpaid premium, a grace
the balance of all units allocated to the investment fund/s period of 30 days will be offered for policies on Annual,
chosen by you multiplied by its then prevailing NAV per unit. Half-Yearly or Quarterly Modes. For Policies on monthly mode
Change in Premium Payment Modes: the grace period would be 15 days. During this period your
policy will be in force with the risk cover as per the terms &
Policyholder is allowed to change the frequency of regular conditions of the policy.
premium payments by written request anytime when policy is
If the premium remains unpaid at the end of the Grace period
in force, subject to our minimum premium requirements and and the Policy has not been completely withdrawn for its Total
approval and provided the policy is in-force, unless Enhanced Fund Value it can be revived, within the period of three
SMART is active where annual mode is compulsory. consecutive years from the date of discontinuance of the
Premiums payable monthly shall be paid by auto-deduction policy, subject to: (i) Policyholder’s written application for
through a bank unless we agree otherwise in writing. revival; (ii) production of Insured’s current health certificate
and/or other evidence of insurability satisfactory to us, if
CHANGE IN SUM ASSURED required (iii) payment of all overdue Premiums.
Increase/Decrease in Basic Sum Assured is allowed, subject to In case of Discontinuance during Lock-in period, we shall levy
boundary condition as per Section 6 above and as per BAUP. Policy Administration charge and Premium Allocation charge
Increase / Decrease in Top-Up Sum Assured is not allowed. as applicable during the discontinuance period.
Such changes will be allowed provided the policy is in force
We shall add back to the fund, the discontinuance charges
and all due premiums till date has been paid.
deducted at the time of discontinuance of the Policy.
CHANGE IN PREMIUM In case of Discontinuance after Lock-in period, we shall levy
Increase/Decrease in Basic Premium is not allowed. Premium Allocation charge as applicable during the
discontinuance period.
Change in Premium Payment Term
Increase in premium paying term may be allowed, subject to Policy Loan
boundary condition as per BAUP. Policy Loan is not allowed in this plan.
Such changes will be allowed provided the policy is in force Exclusions
and all due premiums till date has been paid. In case of death due to suicide within 12 months from the date
Change in Policy term of commencement of the policy or from the date of revival of
the policy, the nominee or beneficiary of the policyholder shall
Increase in policy term may be allowed, subject to boundary
be entitled to fund value/policy account value, as available on
condition as per BAUP. the date of intimation of death. Further, any charges other than
Such changes will be allowed provided the policy is in force Fund Management charges (FMC) recovered subsequent to
and all due premiums till date has been paid. the date of death shall be paid-back to the nominee or
beneficiary along with death benefit.
For exclusions on the rider benefits, please refer to the
respective supplementary contract.
Tax Benefits - Premiums/charges charged to the policyholder shall not
Income Tax benefits would be available as per the prevailing tax depend on whether such a service(s) is availed by the
Policyholder.
laws subject to fulfillment of conditions stipulated therein.
Income Tax laws are subject to change from time to time. Tata - These services have been transparently stated in the Sales
AIA Life Insurance Company Ltd. does not assume Literature and Policy Document with clear guidance on
responsibility on tax implication mentioned anywhere in this how to verify eligibility etc.
document. Please consult your own tax consultant to know the - The Life Insured may exercise his/her own discretion to
tax benefits available to you. avail the services.
- These services shall be directly provided by the service
Health Management Services provider(s).
Life Assured(s) of “Tata AIA Life Insurance Smart Sampoorna - The services can be availed only where the policy / rider is
Raksha Supreme” plan who are eligible for the Health in-force.
Management Services will be eligible to avail Second Opinion /
- All the supporting medical records should be available to
Personal Medical Case Management / Medical Consultation
avail the service.
services from service provider(s) affiliated to/registered with the
Tata AIA Life Insurance Co. Ltd. The services are expected to - We reserve the right to discontinue the service or change
assist the Life Insured with an independent diagnosis of the the service provider(s) at any time.
medical condition, thus helping the Life Insured to take the The services are being provided by third party service
required steps. provider(s) and the Company will not be liable for any liability.
These services are subject to: Assignment
• The availability of suitable service provider(s); Assignment allowed as per provisions of Section 38 of the
• Primary diagnosis (wherever applicable) has been done by Insurance Act 1938 as amended from time to time.
a registered medical practitioner as may be authorized by a Nomination
competent statutory authority. Nomination allowed as per provisions of Section 39 of the
• Health Management Service is available to be utilised Insurance Act 1938 as amended from time to time.
throughout the policy term, subject to prevailing eligibility
Prohibition of Rebates - Section 41 - of the Insurance Act,
conditions.
1938, as amended from time to time
• the eligibility of the Life Insured as may be determined by No person shall allow or offer to allow, either directly or
Board Approved indirectly, as an inducement to any person to take out or renew
• Underwriting Policy will be reviewed periodically and or continue an insurance in respect of any kind of risk relating
updated on our website. The changes shall apply without to lives or property in India, any rebate of the whole or part of
any discrimination to all existing and new customers of the the commission payable or any rebate of the premium shown
product. Policyholders can check their eligibility by visiting on the policy, nor shall any person taking out or renewing or
our website or contacting the Call Centre. continuing a policy accept any rebate, except such rebate as
may be allowed in accordance with the published
• Whenever the eligibility criteria changes or the service is prospectuses or tables of the Insurer.
withdrawn, the same shall be communicated to all the
policyholders. Prior to effecting any changes, we shall Fraud & Misrepresentation
inform the same to IRDAI. Any non-disclosure, fraud or misrepresentation under the
Policy shall be dealt in accordance with Section 45 of the
Note: Insurance Act, 1938 as amended from time to time.
- These services are aimed at improving Policyholder
Annexure A- Cover Continuance Booster
engagement and reducing exits from the Company’s
in-force book. Non-negative amounts called Cover Continuance Booster shall
be added in the form of addition of units as below.
- The cost of these services is expected to be offset by either
lower costs of claims or better economies of scale or From 16th Policy Year
higher revenue due to better persistency. Period First 15 Policy Years Onwards till the end
of Policy Term
- These value-added services are completely optional for the
eligible customer to avail. Timing At the end of policy month if At the end of each policy
of Fund Value falls below 10% of month if Fund Value falls
- For customers availing such services, they are offered at no credit the Instalment Premium/ 1% below Fund Value implied
additional cost to the Life Insured. of the Single Premium by the Target Net Yield
Cover Continuance Boosters shall only be added if the policy is o C= Interpolated as per the following formula for all
in force and all due premiums have been paid. other Sum Assured multiples (SAM),
Cover Continuance Booster at any point is the difference C = B X (A / B) ^ [(SAM – Multiple B) / (Max SAM-
between Fund Value (Assuming no underwriting Loading, Rider Multiple B )]
Charges, Top-Up and Partial Withdrawal) and the Fund Value • Where the Maturity Age >= 85 years,
implied by the Target Net Yield, where,
o TGRIY will be calculated at policy year (85 – Age at
Target Net Yield = Gross Yield – Target Gross Entry).
Reduction-in-Yield (TGRIY)
o For each preceding policy year, applicable TGRIY goes
• TGRIY (as per the option chosen under the policy) at policy
up by 0.20%.
duration where the policyholder attains age of 85 or at the
end of the Policy Term, whichever is earlier, shall be, o TGRIY calculated at policy year (85 – Age at Entry) shall
be applicable for all future policy years till the end of the
If chosen Sum Assured Multiple is less than Base Sum
Policy Term.
Assured Multiple, then:
• Where the Maturity Age < 85,
o A = 4.00% at the Base Sum Assured multiple (Base
SAM) allowed in the BAUP. o TGRIY shall be calculated at the end of the Policy Term.
o B = As per the table below at the minimum Sum o For each preceding policy year, applicable TGRIY goes
Assured multiple (i.e.10). up by 0.20%.
o Multiple A = Base Sum Assured multiple (Base SAM) • TGRIY calculation assumes no underwriting loading,
allowed in the BAUP. top-up or partial withdrawal.
o Multiple B = minimum Sum Assured multiple (i.e.10) TGRIY for each Policy issued shall be as defined above and
If chosen Sum Assured Multiple is greater than equal to be specified in the Policy Schedule.
Base Sum Assured Multiple, then: Example 1: 40-year-old, Male Non-Smoker, Standard Life;
o A = 4.25% at the Maximum Sum Assured multiple Premium Payment Term = 10; Policy Term = 40
(Max SAM) allowed in the BAUP. Sum Assured Multiple = 10; Base Sum Assured Multiple =
o B = 4.00% at the Base Sum Assured multiple (Base 100; Max. Sum Assured Multiple = 145
SAM) allowed in the BAUP Plan Option = Classic
o Multiple A = Maximum Sum Assured multiple (Max
SAM) allowed in the BAUP. Policy TGRIY Policy TGRIY Policy TGRIY
Year Year Year
o Multiple B = Base Sum Assured multiple (Base SAM)
allowed in the BAUP 1 10.40% 16 7.40% 31 4.40%
2 10.20% 17 7.20% 32 4.20%
If the policyholder has opted for Sum Assured Multiple of
either 7- 9 times, TGRIY for that policy will be similar to that 3 10.00% 18 7.00% 33 4.00%
with Sum Assured Multiple of 10. 4 9.80% 19 6.80% 34 3.80%
5 9.60% 20 6.60% 35 3.60%
Classic Optima
6 9.40% 21 6.40% 36 3.40%
PPT (in years) Rate B PPT (in years) Rate B
7 9.20% 22 6.20% 37 3.20%
1 3.50% 1 3.60%
8 9.00% 23 6.00% 38 3.00%
5 3.10% 5 3.20%
9 8.80% 24 5.80% 39 2.80%
6 3.00% 6 3.10%
10 8.60% 25 5.60% 40 2.60%
7 2.90% 7 3.00%
11 8.40% 26 5.40%
8 2.80% 8 2.90%
12 8.20% 27 5.20%
9 2.70% 9 2.80%
13 8.00% 28 5.00%
10 2.60% 10 2.70%
14 7.80% 29 4.80%
11 2.50% 11 2.60%
15 7.60% 30 4.60%
12 2.40% 12 2.50%
13 2.30% 13 2.40% Example 2: 40-year-old, Male Non-Smoker, Standard Life;
14 2.20% 14 2.30% Premium Payment Term = 10; Policy Term = 60
15 2.10% 15 2.20% Sum Assured Multiple = 10; Base Sum Assured Multiple =
16 & Above 2.00% 16 & Above 2.10%
100; Max. Sum Assured Multiple = 145
 Plan Option = Classic • The Premium paid in the Unit Linked Life Insurance Policies are subject
to investment risks associated with capital markets and the NAVs of the
Policy Year TGRIY Policy Year TGRIY units may go up or down based on the performance of fund and factors
1 11.40% 31 5.40% influencing the capital market and the Insured is responsible for his/her
decisions.
2 11.20% 32 5.20%
• Buying a life insurance policy is a long-term commitment. An early
3 11.00% 33 5.00% termination of the policy usually involves high costs and the Surrender
4 10.80% 34 4.80% Value payable may be less than the total premiums paid.
5 10.60% 35 4.60% • The brochure is not a contract of insurance. This brochure should be
read along with Benefit Illustration. The precise terms and conditions of
6 10.40% 36 4.40% this plan are specified in the policy contract available on Tata AIA Life
7 10.20% 37 4.20% website.
8 10.00% 38 4.00% • Tata AIA Life Insurance Company Ltd. is only the name of the Insurance
Company and Tata AIA Smart Sampoorna Raksha Supreme is only the
9 9.80% 39 3.80%
name of the Unit Linked Life Insurance Contract and does not in any
10 9.60% 40 3.60% way indicate the quality of the contract, its future prospects or returns.
11 9.40% 41 3.40% • This product is underwritten by Tata AIA Life Insurance Company Ltd.
12 9.20% 42 3.20% This plan is not a guaranteed Issuance plan and it will be subject to
Company’s underwriting and acceptance
13 9.00% 43 3.00%
• Insurance cover is available under this product.
14 8.80% 44 2.80%
• Riders are not mandatory and are available for a nominal extra cost. For
15 8.60% 45 2.60% more details on benefits, premiums and exclusions under the Rider(s),
16 8.40% 46 2.60% please contact Tata AIA Life's Insurance Advisor/ Branch.
17 8.20% 47 2.60% • Participation by customers shall be on voluntary basis

18 8.00% 48 2.60% • Medical Consultation - Medical Second Opinion/ Personal Medical

Case Management is an optional service offered to you at no additional
19 7.80% 49 2.60% cost. You may exercise your own discretion to avail the services and to
20 7.60% 50 2.60% follow the treatment path suggested by the service provider. These
services shall be directly provided by the service provider. The services
21 7.40% 51 2.60% can be availed only where the policy is in-force. All the supporting
22 7.20% 52 2.60% medical records should be available to avail the service. We reserve the
right to discontinue the service or change the service provider at any
23 7.00% 53 2.60%
time. The services are being provided by third party service provider and
24 6.80% 54 2.60% Tata AIA Life Insurance Company Ltd will not be liable for any liability.
25 6.60% 55 2.60% • Some benefits are guaranteed and some benefits are variable with
26 6.40% 56 2.60% returns based on the future performance of your insurer carrying on life
insurance business. If your policy offers guaranteed benefits then these
27 6.20% 57 2.60% will be clearly marked “guaranteed’ in the illustration table on the pages
28 6.00% 58 2.60% 3 & 4. If your policy offer variable benefits then the illustrations on the
pages 3 & 4 will show two different sections.
29 5.80% 59 2.60%
30 5.60% 60 2.60%

DISCLAIMERS
• The Product is also available for sales through online mode including
Company’s Website www.tataaia.com
• In this policy investments are subject to market risks.
• Unit Linked Life Insurance products are different from the traditional
insurance products and are subject to the risk factors. Please know the
associated risks and the applicable charges, from your insurance agent
or the Intermediary or policy document issued by the insurance
company.
• The various funds offered under this contract are the names of the funds
and do not in any way indicate the quality of these plans, their future
prospects and returns. The underlying Fund’s NAV will be affected by
interest rates and the performance of the underlying stocks
• The performance of the managed portfolios and funds is not
guaranteed and the value may increase or decrease in accordance with BEWARE OF SPURIOUS IRDAI is not involved in activities like selling
the future experience of the managed portfolios and funds. Past PHONE CALLS AND insurance policies, announcing bonus or
performance is not indicative of future performance. investment of premiums. Public receiving
FICTITIOUS /
such phone calls are requested to lodge a
FRAUDULENT OFFERS police complaint.