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Tata AIA Life Insurance Gold Income Plan

Non Linked, Non Participating, Endowment Assurance Plan

UIN: 110N131V01

We, at Tata AIA Life, believe in protecting your dreams at various stages of life without compromising on your needs through financial resources. You do not have to think twice to live your dreams as they now come with Guaranteed Income^.

We present to you, Tata AIA Life Insurance Gold Income Plan, a limited pay income plan that meets tomorrow's requirements along with protecting your loved ones and dreams as it ensures you of Guaranteed Returns* for the money invested. This plan not only offers Guaranteed Lump Sum benefit on Maturity but also gives Guaranteed Income^ during the income term that increases every year.
Investment in this plan helps you fulfil your medium to long term goals such as Child’s Education/ Marriage or Retirement planning.


Tata AIA Life Insurance Gold Income Plan Features

  • Pay for 5/12 years for Policy Term of 12/15 years
  • Choose your Guaranteed Income* for 10 or 15 years
  • Get Guaranteed Maturity Benefit* at the end of Policy Term
  • Receive Guaranteed Income ^starting @ 12% of the Basic Sum Assured
  • Enjoy increasing income with Income Boosters# of 5% to 10% on Guaranteed Income^
  • Get higher Guaranteed Income* with higher annual premium payment
  • Enhance your protection with optional Riders **
  • Receive tax benefits u/s 80C and 10(10D), as per the applicable Income Tax laws^


Tata AIA Life Insurance Gold Income Plan Eligibility

Eligibility Criteria:
Min Entry Age ( Age as on last birthday) 5 Pay: 6 years  
  12 Pay: 3 years  
Max Entry Age ( Age as on last birthday) 5 Pay: 65 years  
  12 Pay: 55 years  
Policy Term (PT) / Premium Payment Term (PPT) PPT PT
  5 12
  12 15
Min/ Max Maturity Age ( Age as on last birthday) Min Max
18 years 5 Pay : 77 years
  12 Pay: 70 years
Income Term 10 and 15 Years  
Income Mode Yearly  
Premium Provisions:
Premium Mode Yearly | Half Yearly |Quarterly | Monthly  
Modal loading is as follows:  
Annual Premium Rate: Multiply Annual Premium Rate by 1 (i.e. No loading).  
Semi-Annual Premium Rate: Multiply Annual Premium Rate by 0.51 (i.e. loading of 2%).  
Quarterly Premium Rate: Multiply Annual Premium Rate by 0.26 (i.e. loading of 4%).  
Monthly Premium Rate: Multiply Annual Premium Rate by 0.0883 (i.e. loading of 6%).  
Min Premium (Annualised Premium) LP:
5 Pay: Rs. 50,000 p.a.
12 Pay: Rs. 36,000 p.a.
Max Annualised Premium No Limit, subject to underwriting  
Sum Assured Provisions:
Min /Max Basic Sum Assured (BSA) Depends on Min/Max premium
“Basic Sum Assured” shall be equal to the Annualised Premium x Basic Sum Assured Multiple table provided below.
  Income Term 10 Income Term 15
Age 5 Pay 12 12 Pay 15 5 Pay 12 12 Pay 15
Minimum age to 18 332% 855% 265% 688%
19 to 29 331% 851% 264% 685%
30 to 34 331% 848% 264% 683%
35 to 39 329% 841% 263% 678%
40 to 44 324% 827% 259% 668%
45 320% 817% 256% 659%
46 317% 812% 253% 656%
47 315% 806% 252% 652%
48 312% 800% 250% 647%
49 309% 795% 247% 643%
50 306% 789% 245% 638%
51 303% 783% 242% 634%
52 299% 776% 240% 629%
53 295% 770% 236% 625%
54 291% 762% 234% 619%
55 287% 755% 230% 613%
56 282%   226%  
57 277%   222%  
58 270%   217%  
59 264%   212%  
60 256%   206%  
61 251%   201%  
62 245%   197%  
63 236%   191%  
64 227%   183%  
65 216%   174%  


  • *Guaranteed Returns are defined as Guaranteed Maturity Benefit equal to 100% of the Basic Sum Assured and ^Guaranteed Income is equal to 12% of Basic Sum Assured, shall commence from the end of year following Maturity which increases annually (compounding increase) by an Income Booster. #Income Booster percentage will depend on premium amount, premium paying term and income term chosen by the Policyholder at inception of the policy.
  • Buying a Life Insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the Surrender Value payable may be less than the all the Premiums Paid.
  • This product is underwritten by Tata AIA Life Insurance Company Ltd. This plan is not a guaranteed issuance plan and it will be subject to Company’s underwriting and acceptance.
  • Insurance cover is available under this product.
  • All Premiums, Charges, and interest payable under the policy are exclusive of applicable taxes, duties, surcharge, cesses or levies which will be entirely borne/ paid by the Policyholder, in addition to the payment of such Premium, charges or interest. Tata AIA Life shall have the right to claim, deduct, adjust, recover the amount of any applicable tax or imposition, levied by any statutory or administrative body, from the benefits payable under the Policy. L&C/Advt/2018/Mar/132
  • In case of non-standard lives and on submission of non-standard age proof, extra premiums will be charged as per our underwriting guidelines.
  • ^Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfilment of conditions stipulated therein. Tata AIA Life Insurance Company Ltd. does not assume responsibility on tax implication mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefits available to you.
  • **Tata AIA Life Insurance Accidental Death and Dismemberment (Long Scale) (ADDL) Rider (110B028V01) and Tata AIA Life Insurance Waiver of Premium Plus Rider (110B029V01) are available under this product. Riders are not mandatory and are available for a nominal extra cost. For more details on the benefits, premiums and exclusions under the riders please refer to the Rider Brochure or contact our Insurance Advisor or visit our nearest branch office.

    Tata AIA Life Insurance Company Ltd. (IRDA of India Regn. No. 110). Registered & Corporate Office Address: 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 Ltd under a license. For any information including cancellation, claims and complaints, please contact our Insurance Advisor / Intermediary or visit Tata AIA Life’s nearest branch office or call 1-860-266-9966 (local charges apply) or write to us at Visit us at: or SMS 'LIFE’ to 58888.


    IRDA of India clarifies to public that

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