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Congratulations!
You just opted for your secured future by availing

IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT

PORTFOLIO IS BORNE BY THE POLICYHOLDER

THE LINKED INSURANCE PRODUCT DO NOT OFFER ANY LIQUIDITY DURING THE FIRST FIVE YEARS
OF THE CONTRACT. THE POLICY HOLDER WILL NOT BE ABLE TO SURRENDER/WITHDRAW THE
MONIES INVESTED IN LINKED INSURANCE PRODUCTS COMPLETELY OR PARTIALLY TILL THE END
OF THE FIFTH YEAR.

Reasons to be connected with Tata AIA Life Insurance

61+ 98.02% 4 TAX

Lakhs Hours

Trusted Families Claim Express Tax

Brand Protected Settlement Claim Benefits1
Ratio* FY 20-21 Service4

* Individual death claim ratio as per audited financial statement.

Param Rakshak/Param Rakshak II solution comprises of Tata AIA Life Insurance Smart Sampoorna Raksha, A Unit-linked,
Non-participating, Individual Life Insurance Plan for Savings and Protection (UIN: 110L156V02) and Tata AIA Life
Insurance Linked Comprehensive Protection Rider, A Non-linked, Non-participating, Individual Health Rider (UIN:
110A032V02)

www.tataaia.com
 II

Policy Details

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37 years / Male Param Rakshak
NonSmoker

(`)
What You Pay

Annual Premium# of 40,541 4,86,492

for 12 years
(PPT 12 years / PT 40 years) ^

Total Rider Premium# 78,840

Accidental Death Benefit (ADB) 49,140
Accidental Total and Permanent 29,700
Disability Benefit (ATPD)

(`)
What You Get

Life Cover**** 50,00,000

Sum Assured on Death at policy inception

Total Rider Sum Assured 90,00,000

Accidental Death Benefit (ADB) 45,00,000
Accidental Total and Permanent 45,00,000
Disability Benefit (ATPD)

Param Rakshak/Param Rakshak II solution comprises of Tata AIA Life Insurance Smart Sampoorna Raksha, A Unit-linked,
Non-participating, Individual Life Insurance Plan for Savings and Protection (UIN: 110L156V02) and Tata AIA Life
Insurance Linked Comprehensive Protection Rider, A Non-linked, Non-participating, Individual Health Rider (UIN:
110A032V02)
****Life cover will include Base Plan and Rider Sum Assured as applicable.
^ PPT = Premium Payment Term, PT = Policy Term
# Premium is excluding Goods and Service Tax and applicable Surcharge/Cess

Quote generated is based on age, gender, smoker/ non-smoker inputs given by prospect.
This is a sample illustration where options are selected by the prospect. There are various other options available under this
product.
 II

Illustration

------
37 years / Male Param Rakshak
NonSmoker

(`)
You Pay You Get (A or B)
Total Premium# of (A) Maturity Fund Value
4,86,492 OR
(B) Life Cover

(A) Maturity Fund Value of

@ 4%^ 6,27,078
You Pay @ 8%^ 24,84,031
Premium# of
40,541 p.a.
for 12 years
+ Total Rider
Premium# of
6,570 p.a.

Age2 37 48 76
Year 1 12 40
(B) Life Cover****
50,00,000
for 40 years
+ Total Rider Sum Assured of 90,00,000

ADB ATPD
45,00,000 45,00,000
Base Plan - Tata AIA Life Insurance Smart Sampoorna Raksha, ADB - Accidental Death Benefit, ATPD -
Accidental Total and Permanent Disability Benefit,

You Get
Param Rakshak/Param Rakshak II solution comprises of Tata AIA Life Insurance Smart Sampoorna Raksha, A Unit-linked,
Non-participating, Individual Life Insurance Plan for Savings and Protection (UIN: 110L156V02) and Tata AIA Life
Insurance Linked Comprehensive Protection Rider, A Non-linked, Non-participating, Individual Health Rider (UIN:
110A032V02)
****Life cover will include Base Plan and Rider Sum Assured as applicable.
2All reference to age as on last birthday.
# Premium is excluding Goods and Service Tax and applicable Surcharge/Cess

Quote generated is based on age, gender, smoker/ non-smoker inputs given by prospect.
This is a sample illustration where options are selected by the prospect. There are various other options available under this
product.
 II

Premium Details

------
37 years / Male Param Rakshak
NonSmoker

(`)
Summary

Sum Assured Premium#

Smart Sampoorna 45,00,000 40,541

Raksha
(PPT 12 years / PT 40 years) ^

Non Linked Comprehensive 5,00,000 2,760

Protection Rider - Term
Benefit with Accelerated Terminal Illness
(PPT 12 years / PT 40 years) ^

Total of Riders 90,00,000 6,570

Total Annual Premium (A) 49,871

Goods and Services Tax on 1,680

Premium (B)

Total Premium including Goods 51,551

and Services Tax (A+B)

@ 4%^ @ 8%^
Death Benefit at 50,00,000 50,00,000
Inception

Maturity Fund Value 6,27,078 24,84,031

Param Rakshak/Param Rakshak II solution comprises of Tata AIA Life Insurance Smart Sampoorna Raksha, A Unit-linked,
Non-participating, Individual Life Insurance Plan for Savings and Protection (UIN: 110L156V02) and Tata AIA Life
Insurance Linked Comprehensive Protection Rider, A Non-linked, Non-participating, Individual Health Rider (UIN:
110A032V02).
^ PPT = Premium Payment Term, PT = Policy Term
# Premium is excluding Goods and Service Tax and applicable Surcharge/Cess

Quote generated is based on age, gender, smoker/ non-smoker inputs given by prospect.
This is a sample illustration where options are selected by the prospect. There are various other options available under this
product.
 II

Benefits Available Under The Product

Market-linked Lump-sum Accidental Accidental total &

returns benefit death benefit permanent
Get market- In the event of Additional sum disability benefit
linked returns on unfortunate death assured in case of Benefit payout in
maturity of the of policyholder, a accidental death case of total and
policy lump-sum benefit is permanent
paid to family disability due to
accident

Param Rakshak/Param Rakshak II solution comprises of Tata AIA Life Insurance Smart Sampoorna Raksha, A Unit-linked,
Non-participating, Individual Life Insurance Plan for Savings and Protection (UIN: 110L156V02) and Tata AIA Life
Insurance Linked Comprehensive Protection Rider, A Non-linked, Non-participating, Individual Health Rider (UIN:
110A032V02).
 Our Fund Performance
Riders Details
| Beating Benchmark

19.05%
17.25% 17.36%

14.56%
13.92%
13.01%
10.73% 10.73% 11.22% 11.27%

Whole Life Mid Cap Equity

Super Select Equity
India Consumption

NIFTY Midcap 100

NIFTY 500 Shariah
S&P BSE 200

S&P BSE 200

S&P BSE 200

Multi Cap

Top 200

Fund 1 Fund 2 Fund 3 Fund 4 Fund 5

Benchmark Tata AIA Fund

Fund Fund 1 Fund 2 Fund 3 Fund 4 Fund 5

Tata AIA Fund Multi Cap India Top 200 Super Select Whole Life
Fund Consumption Fund Fund Equity Fund Mid Cap Equity Fund

Benchmark S&P BSE S&P BSE

S&P BSE 200 NIFTY 500 Shariah NIFTY Midcap 100
Fund 200 200

Inception
05-Oct-15 05-Oct-15 12-Jan-09 21-Oct-09 10-Jan-07
Date

Graph shows fund performance since inception

The fund performance is as of June 2022. Pleaser refer Fact Sheet (tataaia.com) for latest update
 Investment
Riders fund
Detailsreturns
This product offers the Flexibility to invest in a manner that suits investment risk profile and individual needs.
a) Choose from the 11 investment fund options OR
b) Choose the following PORTFOLIO STRATEGY
i) Enhanced Systematic Money Allocation & Regular Transfer (Enhanced SMART)

Fund
Benchmark
Performance for
Risk Returns
Investment Fund Asset Allocation Min. Max. the month of Benchmark
Profile - 5 Years
June 2022~-
(CAGR)
5 Years (CAGR)
Equity 60% 100%
Multi Cap Fund (ULIF
Debt Instruments 0% 40%
060 15/07/14 MCF High 19.32% S&P BSE 200 10.42%
Cash / Money
110) 0% 40%
Market Instruments
Equity 60% 100%
India Consumption
Debt Instruments 0% 40%
Fund (ULIF 061 High 16.99% S&P BSE 200 10.42%
Cash / Money
15/07/14 ICF 110) 0% 40%
Market Instruments
Equity Instruments 60% 100%
Top 50 Fund (ULIF
Cash / Money
026 12/01/09 ITF High 11.24% Nifty 50 10.63%
Market Instruments 0% 40%
110)
(including CP/CD)
Equity Instruments 60% 100%
Top 200 fund (ULIF
Cash / Money
027 12/01/09 ITT High 17.03% S&P BSE 200 10.42%
Market Instruments 0% 40%
110)
(including CP/CD)
Equity and Equity
60% 100%
Linked Instrument
Super Select Equity
Debt Instruments 0% 40% Nifty 500
Fund (ULIF 035 High 11.11% 11.79%
Cash/ Money Market Shariah
16/10/09 TSS 110)
Instruments 0% 40%
(including CP/CD)
Large Cap Equity Equity and Equity
80% 100%
Fund linked Instruments
High 14.04% Nifty 50 10.63%
(ULIF 017 07/01/08 Cash / Money
TLC 110) 0% 20%
Market Instruments
Whole Life Mid Cap Equity and Equity
60% 100%
Equity Fund linked Instruments Nifty Midcap
High 11.62% 8.33%
(ULIF 009 04/01/07 Cash/ Money Market 100
0% 40%
WLE 110) Instruments
Whole Life Equity and Equity 65% Nifty 50
50% 80%
Aggressive Growth Mediu Linked instruments +35% CRISIL
Fund m to Debt Instruments 20% 50% 12.09% Composite 9.11%
(ULIF 010 04/01/07 High Cash / Money Bond Fund
0% 30%
WLA 110) Market Instruments Index
Equity and Equity 40% Nifty 50
Whole Life Stable 30% 50%
Low to Linked instruments +60% CRISIL
Growth Fund
Mediu Debt Instruments 50% 70% 10.19% Composite 8.02%
(ULIF 011 04/01/07
m Cash / Money Bond Fund
WLS 110) 0% 20%
Market Instruments Index
Debt Instruments 60% 100% CRISIL
Whole Life Income Composite
Fund Bond Fund
Low Cash / Money 6.67% 6.28%
(ULIF 012 04/01/07 0% 40% Index. CRISIL
Market Instruments
WLI 110) Short Term
Bond Index
Whole Life Short- Debt Instruments of
CRISIL
Term Fixed Income duration less than 3 60% 100%
Composite
Fund Low years 5.95% 6.70%
Bond Fund
(ULIF 013 04/01/07 Cash / Money
0% 40% Index
WLF 110) Market Instruments
These funds have different risk profiles based on different types of investments that are offered under these funds.
The returns are expected to vary according to the risk profile of the funds chosen. ~The fund performance is as of June 2022.
Pleaser refer Fact Sheet (tataaia.com) for latest update
 II

^Some Benefits are guaranteed and some Benefits are variable (non-guaranteed) with returns based on the
future performance of the opted funds and fulfilment of other applicable Policy conditions. If your Policy
offers guaranteed returns, then these will be clearly marked as "guaranteed" in the illustration table on this
page. If your policy offers non-guaranteed returns, then illustration will show two different rates of assumed
future investment returns. The above illustration has been determined using assumed future investment
returns of 8% and 4% respectively. The rates used have been set by the Life Insurance Council. These
assumed rates of return are not guaranteed and there are no upper and lower limits of what you might get
back at Maturity, due to the fact that the value of your Policy is dependent on a number of factors including
future investment performance.
#On survival to the end of the policy term, the Total Fund Value including Top-Up Premium Fund Value
valued at applicable NAV on the date of Maturity will be paid. ^Tax benefits are subject to changes as per tax
laws. &The fund is managed by Tata AIA Life Insurance Company Ltd. (hereinafter the “Company”). Tata AIA
Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA Life Insurance Smart
Sampoorna Raksha is only the name of the Unit Linked Life Insurance contract and does not in any way
indicate the quality of the contract, its prospects or returns. 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 prospects and returns.
Premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital
markets and the NAVs of the units may go up or down based on the performance of fund and factors
influencing the capital market and the insured is responsible for his/her decisions. Past performance is not
indicative of future performance. Returns are calculated on an absolute basis for a period of less than (or
equal to) a year, with reinvestment of dividends (if any). All investments made by the Company are subject to
market risks. The Company does not guarantee any assured returns. The investment income and price may
go down as well as up depending on several factors influencing the market. Please know the associated risks
and the applicable charges, from your Insurance Agent or the Intermediary or Policy Document issued by the
Insurance Company. Please make your own independent decision after consulting your financial or other
professional advisor. The performance of the managed portfolios and funds is not guaranteed, and the value
may increase or decrease in accordance with the future experience of the managed portfolios and funds. The
solutions are is underwritten by Tata AIA Life Insurance Company Limited. 1 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 and recover the amount of any applicable
tax or imposition, levied by any statutory or administrative body, from the benefits payable under the Policy.
For more details on benefits, premiums and exclusions under the Rider(s), please refer to the Rider
Brochures or contact Tata AIA Life's Insurance Advisor/Intermediary/Branch. Riders are available for a
nominal extra cost. Health and Life insurance cover is available under the solution. For details on products,
associated risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale.
The precise terms and condition of this plan are specified in the Policy Contract. 2 CPB-CritiCare Plus, ADB-
Accidental Death Benefit, ATPD-Accidental Total & Permanent Disability are benefits available under Tata
AIA Life Insurance Linked Comprehensive Protection Rider, A Non-linked, Non-participating, Individual
Health Rider (UIN: 110A032V02). 3 HCB- HospiCare Benefit is a benefit available under Tata AIA Life
Insurance Linked Comprehensive Health Rider, A Non-linked, Non-participating, Individual Health Rider
(UIN: 110A031V02).
1Income Tax bebefits may be available as per the Tax Laws, subject to fulfilment of conditions stipulated
therein. Income Tax laws are subject to change from time to time. 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 bebefits available to you.
3Guaranteed Annual Income shall be a fixed percentage of the Annualised Premium / Single Premium
(excluding discount) payable in a year.
4Express Claim Service
• Beneficiary visits our nearest Branch with request documents
• Our Rakshakarta assists the beneficiary with formalities and immediately updates internal systems
• Claim is processed and payment is credited within 4 hours on the same day
• Timely notifications on approval and payment of claim amount sent to beneficiary
• Applicable for policies with Death Benefit up to 50 lakhs (per life)

Tata AIA Life Insurance Company Ltd.

(IRDA of India Regn No. 110) (CIN: U66010MH2000PLC128403)
Registered and Corporate Office: 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 more information,

Tata AIA Life Insurance Company Ltd
Visit us at: www.tataaia.com

L&C/Advt/2021/Oct/1856

BEWARE OF IRDAI is not involved in activities like selling insurance

policies, announcing bonus or investment of premiums.
SPURIOUS/ FRAUD Public receiving such phone calls are requested to lodge a
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