Tata AIA Life Insurance Gold Income Plan

• Guaranteed Maturity Benefit1 at the end of policy term followed by Guaranteed Income1

• Flexibility to choose income for 10 or 15 years

• Receive guaranteed increasing income1 starting at 12% of the Basic Sum Assured

• Enjoy increasing income with Income Boosters* of 5% to 10% on guaranteed income1

• Get higher guaranteed income1 with higher annual premium payment

• Pay for 5/12 years for policy term of 12/15 years, respectively

• Enhance your protection with optional riders

Benefits:

1. Maturity Benefit:

On Maturity of the policy, 100% of the Basic Sum Assured is paid as lump sum. Additionally, a Guaranteed Income1 of 12% of Basic Sum Assured shall commence from the end of the year following Maturity, which increases annually (compounding increase) by an Income Booster. Guaranteed Income1 will be payable at the end of every year.

Where, Income booster is an additional percentage of benefit which increases the guaranteed income1 every year. Income Booster percentage will depend on premium amount, premium paying term and income term chosen by the Policyholder at inception of the policy.

2. Death Benefit:

The Sum Assured on Death as defined below shall be payable:

The ‘Sum Assured on Death’ shall be the highest of the following:

• 11 times Annualised Premium

• 105% of the all the premiums paid, (excluding the underwriting extra premiums and modal loading if any), as on the date of death

• Guaranteed Sum Assured on Maturity1 on Maturity

• Absolute amount assured to be paid on death

“Guaranteed Sum Assured on Maturity” shall be equal to 100% of the Basic Sum Assured plus the commuted value of all future Guaranteed Income1 payable during the Income Term, discounted at 7.5% p.a.

Please refer to the Product Brochure for complete details of the product.

Eligibility:

*All reference to age is as on last birthday.

^This premium is exclusive of applicable taxes, cesses and levies or any other extra premium

Commission:

As per RBI circular: RBI/2009-10/225 dated November 16, 2009, following are the details of the comparative commission earned by HDFC Bank from Insurance (Life), whose products are being distributed:

Commission, Brokerage and trail from Life Insurance

Note: The commission varies depending upon the Product in each category, tenure, amount of premium and premium paying term

*For Group Products commission payable is 5% of the premium with a ceiling on the maximum payout as defined by Insurance Regulatory and Development Authority of India (IRDAI) from time to time.

Important Disclaimer:​​​​

This product is underwritten by Tata AIA Life Insurance Company Limited. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. All applicable taxes, duties, surcharge, cesses or levies, as may be imposed by Government, any statutory or administrative authority from time to time, on the premiums payable and benefits secured under Policy, shall be borne and paid by the Policyholder. Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment 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.

1Guaranteed 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.

Tata AIA Life Insurance Accidental Death and Dismemberment (Long Scale) (ADDL) Rider and (UIN:110B028V01) and Tata AIA Life Insurance Waiver of Premium Plus (WOPP) Rider (UIN:110B029V01) are not mandatory and are available for a nominal extra cost. For more details on benefits, premiums and exclusions under the Riders, please contact your nearest HDFC Bank branch. 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 plan is not a guaranteed issuance plan and it will be subject to Company’s underwriting and acceptance. In case of non-standard lives and on submission of non-standard age proof, extra premiums will be charged as per our underwriting guidelines. Insurance cover is available under this product.

UIN: 110N131V01 | L&C/Advt/2017/Jul/225

HDFC Bank Limited (4621612) (IRDAI Registration No: CA0010) is the Corporate Agent of Tata AIA Life Insurance Company Limited and does not underwrite the risk or act as an insurer. HDFC Bank Limited, HDFC Bank House, Senapati Bapat Marg, Lower Parel (West), Mumbai - 400 013. Participation by the Bank’s clients in the insurance products is purely on a voluntary basis. The contract of insurance is between Tata AIA Life and the insured and not between HDFC Bank and the insured.

For any information including cancellation, claims and complaints, please contact our Insurance advisor or visit Tata AIA Life’s nearest branch office or call 1-860-266-9966 (local charges apply) or write to us at customercare@tataaia.com. Visit us at: www.tataaia.com or SMS 'LIFE’ to 58888.

Tata AIA Life Insurance Company Limited (IRDAI Regn. No.110) CIN - U66010MH2000PLC128403

Registered & Corporate Office: 14th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg,

Lower Parel, Mumbai – 400013