IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BOURNE BY THE POLICYHOLDER.

Dear Savitha Gudap,

Thank you for choosing us to protect your loved ones.
Your decision to select Param Rakshak Pro with a life cover of INR 25000000, which is inclusive of Sum Assured of INR 22500000 under base plan (Tata AIA Smart Sampoorna Raksha
Pro) and Sum Assured of INR 2500000 under Term Booster rider(Tata AIA Vitality Protect Plus) along with Accidental Death Benefit and Accidental Total and Permanent Disability Benefit
under Tata AIA Vitality Protect Plus, will help secure financial future of your loved ones.
In case of no claims during policy term, total premiums paid with respect to Accidental Death, Accidental Total & Permanent Disability, and Term Booster will be returned to you at
maturity of respective rider term.Kindly refer to our benefit illustration below for all requisite details.
Please note,on attainment of 86 years of age,
1) the basic sum assured under the base plan shall be revised to Rs.2027030 and total life cover shall be Rs. 4527030.
2) cover under Accidental Death Benefit and Accidental Total and Permanent Disability Benefit shall terminate.
At Tata AIA Life Insurance, we are committed to help you live happier, healthier lives through solutions that provide Sampoorna Rakshakaran to your family so that you can be fikar-free.
Best Wishes
Tata AIA Life Insurance Company Limited

Dis cla imer: Pa ra m Ra ks ha k Pro s olution compris es of Ta ta AIA Sma rt Sa mpoorna Ra ks ha Pro, A Unit-linked, Non-pa rticipa ting, Individua l Life Ins ura nce Pla n (UIN: 110L172V01) a nd Ta ta AIA Vita lity Protect Plus , A Non-linked, Non-pa rticipa ting,
Individua l Hea lth Rider(UIN: 110A048V03).Ins ura nce cover is a va ila ble under the s olution. | The s olution is underwritten by Ta ta AIA Life Ins ura nce Compa ny Ltd.This is not a gua ra nteed is s ua nce s olution, a nd it will be s ubject to Compa nys
underwriting a nd a ccepta nce. | For more deta ils on ris k fa ctors , terms a nd conditions plea s e rea d s a les brochure ca refully before concluding a s a le.
Unit Linked Life Ins ura nce products a re different from the tra ditiona l ins ura nce products a nd a re s ubject to the ris k fa ctors . The premium pa id in unit linked life ins ura nce policies a re s ubject to inves tment ris k a s s ocia ted with ca pita l ma rkets a nd
the unit price of the units ma y go up or down ba s ed on the performa nce of inves tment fund a nd fa ctors in uencing the ca pita l ma rket a nd the policyholder is res pons ible for his / her decis ions .Ta ta AIA Life Ins ura nce Compa ny Ltd.is only the na me of
the Ins ura nce Compa ny a nd Ta ta AIA Life Ins ura nce Sma rt Sa mpoorna Ra ks ha is only the na me of the Unit Linked Life Ins ura nce Contra ct a nd does not in a ny wa y indica te the qua lity of the contra ct, its future pros pects or returns .
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. L&C/Mis c/2024/Ja n/0032
Tata AIA Life Insurance Company Limited (IRDAI Regn. No.110) CIN: U66010MH2000PLC128403. Registered & Corporate Office: 14th Floor, Tower A, Penins ula Bus ines s Pa rk, Sena pa ti Ba pa t Ma rg, Lower Pa rel, Mumba i – 400013. Tra de logo dis pla yed a bove
belongs to Ta ta Sons Ltd a nd AIA Group Ltd. a nd is us ed by Ta ta AIA Life Ins ura nce Compa ny Ltd under a licens e.For a ny informa tion including ca ncella tion, cla ims a nd compla ints , plea s e conta ct our Ins ura nce Advis or / Intermedia ry or vis it Ta ta AIA
Life's nea res t bra nch office or ca ll 1–860–266–9966 (loca l cha rges a pply) or write to us a t customercare@tataaia.com. Vis it us a t: www.tataaia.com.
BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS / IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police
FRAUDULENT OFFERS complaint
BENEFIT ILLUSTRATION
Tata AIA Smart Sampoorna Raksha Pro
Name of the Prospect/ Policyholder: Savitha Gudap Proposal No: 70007762347
Age (yrs) : 34 Name of the Product: Tata AIA Smart Sampoorna Raksha Pro
Name of the Life Assured: Savitha Gudap Plan Option: Classic
Age (yrs) : 34 Tag Line: Unit-linked, Non-Participating, Individual Life Insurance Plan
Sum Assured (Rs.): 2,25,00,000 Unique Identification Number: 110L172V01
Policy Term (yrs): 66 GST Rate : 18.00%
Premium Payment Term (yrs): 12 Investment Strategy Opted For NIL
Death Benefit Multiple: 111 Funds opted for along with their risk level
Smoking Habits: No Fund Name Allocation Percentage Risk Profile
Amount of Instalment Premium (Rs.): 3,13,742 Rising India Fund (ULIF 073 17/01/24 RIF 110) 100% High
Mode of payment of premium: Annual

Rider Details
Tata AIA Vitality (Wellness Program): Yes Utilisation of Rewards (if Wellness program opted) Premium Discount
Details of Life Insured/Partner under the Benefit Option Benefit Payout Return Premium
Rider Name / UIN^(Benefit Option / Benefit of Benefit Premium Sum p.a. Year 1
Income Income Option Payment Assured without Discount
Payout Option) Name Age(yrs) Gender Lumpsum (Rs.) p.a. Duration premium
(Rs.) (yrs) option Term Term (Rs.) GST (Rs.) (Rs.)
VPP - Term Booster (Lumpsum Benefit)# Savitha Gudap 34 F 25,00,000 0 0 Yes 66 12 25,00,000 21,650 2,165
VPP - Accidental Death (Lumpsum Benefit) Savitha Gudap 34 F 2,25,00,000 0 0 Yes 51 12 2,25,00,000 42,075 2,104
VPP - Accidental Total & Permanent Disability Savitha Gudap 34 F 2,25,00,000 0 0 Yes 51 12 2,25,00,000 30,375 1,519
(Lumpsum Benefit)

^VPP: Tata AIA Vitality Protect Plus, (A Non-Linked, Non- Participating Individual Health rider, UIN:110A048V03)
#Premium calculated for Term Booster on Savitha Gudap is considering underwriting class as Super preferred

Premium Summary
Base Plan Instalment Premium (Rs) Base Plan (ULIP Plan) Investible Premium Riders Total Instalment Premium
Instalment Premium without GST (Rs.) 2,02,703 94,100 2,96,803
Instalment Premium with First year GST (Rs.) 2,02,703 1,11,039 3,13,742
Total Discount on First Year Instalment Premium 5,788 5,788
Instalment Premium post applicable discount with First year GST (Rs.) 2,02,703 1,04,208 3,06,911
Instalment Premium with GST and without discount 2nd year onwards (Rs.) 2,02,703 1,11,039 3,13,742

Discount applicable and Installment Premium payable 2nd year onwards will depend on the Wellness status of the Insured
Total Discount on First Year Premium includes- TATA AIA Vitality Discount (10%)
How to read and understand this benefit illustration?
This benefit illustration is intended to show what charges are deducted from your premiums and how the unit fund, net of charges and taxes, may grow over the years of the policy term if the fund earns a gross return of 8 % p.a or 4 %
p.a.These rates, i.e., 8 % p.a.and 4 % p.a.are assumed only for the purpose of illustrating the flow of benefits if the returns are at this level. It should not be interpreted that the returns under the plan are going to be either 8 % p.a.or 4 % p.a.

Net Yield mentioned corresponds to the gross investment return of 8% p.a., net of all charges but does not consider mortality, morbidity charges, underwriting extra, if any, guarantee charges and cost of riders, if deducted by cancellation of
units. It demonstrates the impact of charges and taxes on the net yield.Please note that the mortality charges per thousand sum assured in general, increases with age.
The actual returns can vary depending on the performance of the chosen fund, charges towards mortality, morbidity, underwriting extra, cost of riders, etc. The investment risk in this policy is borne by the policyholder, hence, for more details
on terms and conditions please read sales literature carefully.

Some benefits are guaranteed and some benefits are variable with returns based on the future performance of your insurer carrying on life insurance business. If your policy offers guaranteed benefits then these will be clearly marked
"guaranteed" in the illustration table on this page. If your policy offers variable benefits then the illustration on this page will show two different rates of assumed future investment returns, of 8% p.a. and 4% p.a. These assumed rates of
return are not guaranteed and they are not the upper or lower limits of what you might get back, as the value of your policy is dependant on a number of factors including future investment performance.

Part A of this statement presents a summary view of year-by-year charges deducted under the policy, fund value, surrender value and the death benefit, at two assumed rates of return. Part B of this statement presents a detailed break-up of
the charges, and other values.

Annual premium including rider premium: ₹ 2,96,803

Part A
(Amount in Rupees)
At 4% p.a. Gross Investment Return At 8% p.a. Gross Investment Return
Policy Annualized Commission payable to
Year Premium Mortality, Morbidity Other GST Fund at End of Surrender Death Mortality, Morbidity Other GST Fund at End Surrender Death Intermediary (Rs.)
Charges Charges* Year Value Benefit Charges Charges* of Year Value Benefit
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15
1 2,02,703 18,965 26,308 8,149 1,56,768 1,49,688 2,25,00,000 18,963 26,351 8,156 1,63,202 1,56,122 2,25,00,000 70,946
2 2,02,703 19,513 16,214 6,431 3,30,534 3,24,634 2,25,00,000 19,502 16,379 6,459 3,50,523 3,44,623 2,25,00,000 2,027
3 2,02,703 20,174 16,327 6,570 5,10,370 5,05,650 2,25,00,000 20,147 16,705 6,633 5,51,744 5,47,024 2,25,00,000 2,027
4 2,02,703 20,997 14,515 6,392 6,98,689 6,96,329 2,25,00,000 20,944 15,206 6,507 7,70,125 7,67,765 2,25,00,000 2,027
5 2,02,703 21,943 16,761 6,967 8,90,836 8,90,836 2,25,00,000 21,852 17,875 7,151 10,01,866 10,01,866 2,25,00,000 2,027
6 2,02,703 23,067 19,092 7,589 10,86,512 10,86,512 2,25,00,000 22,923 20,747 7,861 12,47,316 12,47,316 2,25,00,000 2,027
7 2,02,703 24,341 21,466 8,245 12,85,628 12,85,628 2,25,00,000 24,125 23,789 8,625 15,07,205 15,07,205 2,25,00,000 2,027
8 2,02,703 25,798 23,879 8,942 14,88,053 14,88,053 2,25,00,000 25,486 27,009 9,449 17,82,275 17,82,275 2,25,00,000 2,027
9 2,02,703 27,429 26,332 9,677 16,93,662 16,93,662 2,25,00,000 26,990 30,417 10,333 20,73,334 20,73,334 2,25,00,000 2,027
10 2,02,703 29,245 28,822 10,452 19,50,964 19,50,964 2,25,00,000 28,642 34,023 11,280 24,29,887 24,29,887 2,25,00,000 2,027
11 2,02,703 31,171 32,151 11,398 22,26,535 22,26,535 2,25,00,000 30,356 38,655 12,422 28,22,169 28,22,169 2,25,00,000 2,027
12 2,02,703 33,353 35,496 12,393 25,03,541 25,03,541 2,25,00,000 32,260 43,523 13,641 32,34,603 32,34,603 2,25,00,000 2,027
13 0 36,183 36,387 13,063 25,69,573 25,69,573 2,25,00,000 34,738 46,118 14,554 34,48,121 34,48,121 2,25,00,000 0
14 0 39,444 37,175 13,791 26,22,883 26,22,883 2,25,00,000 37,560 48,759 15,537 36,61,509 36,61,509 2,25,00,000 0
15 0 43,267 37,805 14,593 26,74,885 26,74,885 2,25,00,000 40,833 51,396 16,601 38,86,597 38,86,597 2,25,00,000 0
16 0 47,705 38,416 15,502 27,25,170 27,25,170 2,25,00,000 44,583 54,177 17,777 41,23,899 41,23,899 2,25,00,000 0
17 0 52,879 39,003 16,539 27,73,123 27,73,123 2,25,00,000 48,890 57,107 19,079 43,73,794 43,73,794 2,25,00,000 0
18 0 58,881 39,556 17,719 28,18,059 28,18,059 2,25,00,000 53,804 60,190 20,519 46,36,685 46,36,685 2,25,00,000 0
19 0 65,764 40,068 19,050 28,59,203 28,59,203 2,25,00,000 59,325 63,432 22,096 49,12,968 49,12,968 2,25,00,000 0
20 0 73,559 40,529 20,536 28,95,739 28,95,739 2,25,00,000 65,431 66,837 23,808 52,03,101 52,03,101 2,25,00,000 0
21 0 82,255 40,928 22,173 29,26,698 29,26,698 2,25,00,000 72,047 70,411 25,643 55,07,484 55,07,484 2,25,00,000 0
22 0 91,742 41,256 23,940 29,51,509 29,51,509 2,25,00,000 79,013 74,162 27,571 58,27,008 58,27,008 2,25,00,000 0
23 0 1,01,939 41,511 25,821 29,70,477 29,70,477 2,25,00,000 86,188 78,105 29,573 61,63,579 61,63,579 2,25,00,000 0
24 0 1,12,694 41,694 27,790 29,83,660 29,83,660 2,25,00,000 93,368 82,264 31,614 65,19,002 65,19,002 2,25,00,000 0
25 0 1,23,877 41,811 29,824 29,91,535 29,91,535 2,25,00,000 1,00,373 86,664 33,667 68,95,642 68,95,642 2,25,00,000 0
26 0 1,35,361 41,867 31,901 29,94,853 29,94,853 2,25,00,000 1,07,022 91,336 35,704 72,96,292 72,96,292 2,25,00,000 0
27 0 1,47,100 41,874 34,015 29,94,679 29,94,679 2,25,00,000 1,13,199 96,317 37,713 77,24,228 77,24,228 2,25,00,000 0
28 0 1,59,076 41,846 36,166 29,92,319 29,92,319 2,25,00,000 1,18,804 1,01,648 39,681 81,83,168 81,83,168 2,25,00,000 0
29 0 1,71,331 41,798 38,363 29,89,166 29,89,166 2,25,00,000 1,23,768 1,07,376 41,606 86,77,154 86,77,154 2,25,00,000 0
30 0 1,84,035 41,748 40,641 29,86,508 29,86,508 2,25,00,000 1,28,099 1,13,551 43,497 92,10,432 92,10,432 2,25,00,000 0
31 0 1,97,360 41,709 43,032 29,85,437 29,85,437 2,25,00,000 1,31,767 1,20,226 45,359 97,87,409 97,87,409 2,25,00,000 0
 At 4% p.a. Gross Investment Return At 8% p.a. Gross Investment Return
Policy Annualized Commission payable to
Year Premium Mortality, Morbidity Other GST Fund at End of Surrender Death Mortality, Morbidity Other GST Fund at End Surrender Death Intermediary (Rs.)
Charges Charges* Year Value Benefit Charges Charges* of Year Value Benefit
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15
32 0 2,11,575 41,691 45,588 29,86,529 29,86,529 2,25,00,000 1,34,766 1,27,453 47,199 1,04,12,453 1,04,12,453 2,25,00,000 0
33 0 2,26,951 41,698 48,357 29,89,887 29,89,887 2,25,00,000 1,37,030 1,35,286 49,017 1,10,90,008 1,10,90,008 2,25,00,000 0
34 0 2,43,832 41,728 51,401 29,94,895 29,94,895 2,25,00,000 1,38,463 1,43,778 50,803 1,18,24,499 1,18,24,499 2,25,00,000 0
35 0 2,62,554 41,768 54,778 30,00,261 30,00,261 2,25,00,000 1,38,872 1,52,983 52,534 1,26,20,504 1,26,20,504 2,25,00,000 0
36 0 2,83,484 41,799 58,551 30,03,961 30,03,961 2,25,00,000 1,37,969 1,62,960 54,167 1,34,82,880 1,34,82,880 2,25,00,000 0
37 0 3,07,001 41,792 62,783 30,03,378 30,03,378 2,25,00,000 1,35,337 1,73,769 55,639 1,44,17,064 1,44,17,064 2,25,00,000 0
38 0 3,33,510 41,712 67,540 29,95,300 29,95,300 2,25,00,000 1,30,414 1,85,483 56,861 1,54,29,328 1,54,29,328 2,25,00,000 0
39 0 3,63,415 41,519 72,888 29,76,040 29,76,040 2,25,00,000 1,22,442 1,98,183 57,713 1,65,27,134 1,65,27,134 2,25,00,000 0
40 0 3,97,221 41,163 78,909 29,41,557 29,41,557 2,25,00,000 1,10,469 2,11,971 58,039 1,77,19,604 1,77,19,604 2,25,00,000 0
41 0 4,35,434 40,596 85,685 28,87,450 28,87,450 2,25,00,000 93,254 2,26,968 57,640 1,90,17,904 1,90,17,904 2,25,00,000 0
42 0 4,78,688 39,760 93,321 28,08,993 28,08,993 2,25,00,000 69,236 2,43,326 56,261 2,04,35,816 2,04,35,816 2,25,00,000 0
43 0 5,27,731 38,597 1,01,939 27,00,994 27,00,994 2,25,00,000 36,426 2,61,231 53,578 2,19,90,305 2,19,90,305 2,25,00,000 0
44 0 5,83,397 37,039 1,11,678 25,57,825 25,57,825 2,25,00,000 2,967 2,80,872 51,091 2,36,89,529 2,36,89,529 2,36,89,529 0
45 0 6,46,769 35,014 1,22,721 23,73,104 23,73,104 2,25,00,000 0 3,02,044 54,368 2,55,03,442 2,55,03,442 2,55,03,442 0
46 0 7,19,099 32,439 1,35,277 21,39,530 21,39,530 2,25,00,000 0 3,24,588 58,426 2,74,33,068 2,74,33,068 2,74,33,068 0
47 0 7,88,969 33,241 1,47,998 23,58,252 23,58,252 2,25,00,000 0 3,48,552 62,739 2,94,82,351 2,94,82,351 2,94,82,351 0
48 0 8,58,141 36,238 1,60,988 26,20,554 26,20,554 2,25,00,000 0 3,73,978 67,316 3,16,54,333 3,16,54,333 3,16,54,333 0
49 0 9,31,540 39,743 1,74,831 29,26,045 29,26,045 2,25,00,000 0 4,00,897 72,161 3,39,50,693 3,39,50,693 3,39,50,693 0
50 0 10,08,631 43,842 1,89,445 32,82,811 32,82,811 2,25,00,000 0 4,29,318 77,277 3,63,71,261 3,63,71,261 3,63,71,261 0
51 0 10,88,489 48,651 2,04,685 37,00,669 37,00,669 2,25,00,000 0 4,59,225 82,661 3,89,13,305 3,89,13,305 3,89,13,305 0
52 0 11,95,971 49,319 2,24,152 37,34,915 37,34,915 2,25,00,000 0 4,90,569 88,302 4,15,70,703 4,15,70,703 4,15,70,703 0
53 0 0 51,440 9,259 38,22,488 38,22,488 38,22,488 0 5,22,754 94,096 4,42,57,411 4,42,57,411 4,42,57,411 0
54 0 0 52,506 9,451 39,12,283 39,12,283 39,12,283 0 5,56,155 1,00,108 4,71,18,233 4,71,18,233 4,71,18,233 0
55 0 0 53,600 9,648 40,04,356 40,04,356 40,04,356 0 5,91,720 1,06,510 5,01,64,454 5,01,64,454 5,01,64,454 0
56 0 0 54,721 9,850 40,98,765 40,98,765 40,98,765 0 6,29,591 1,13,326 5,34,08,089 5,34,08,089 5,34,08,089 0
57 0 0 55,871 10,057 41,95,569 41,95,569 41,95,569 0 6,69,915 1,20,585 5,68,61,930 5,68,61,930 5,68,61,930 0
58 0 0 57,050 10,269 42,94,829 42,94,829 42,94,829 0 7,12,853 1,28,314 6,05,39,602 6,05,39,602 6,05,39,602 0
59 0 0 58,259 10,487 43,96,606 43,96,606 43,96,606 0 7,58,573 1,36,543 6,44,55,609 6,44,55,609 6,44,55,609 0
60 0 0 59,498 10,710 45,00,966 45,00,966 45,00,966 0 8,07,256 1,45,306 6,86,25,397 6,86,25,397 6,86,25,397 0
61 0 0 60,769 10,938 46,07,973 46,07,973 46,07,973 0 8,59,095 1,54,637 7,30,65,412 7,30,65,412 7,30,65,412 0
62 0 0 62,072 11,173 47,17,695 47,17,695 47,17,695 0 9,14,292 1,64,573 7,77,93,168 7,77,93,168 7,77,93,168 0
63 0 0 63,409 11,414 48,30,200 48,30,200 48,30,200 0 9,73,067 1,75,152 8,28,27,310 8,28,27,310 8,28,27,310 0
64 0 0 64,779 11,660 49,45,560 49,45,560 49,45,560 0 10,35,651 1,86,417 8,81,87,696 8,81,87,696 8,81,87,696 0
65 0 0 66,184 11,913 50,63,846 50,63,846 50,63,846 0 11,02,291 1,98,412 9,38,95,467 9,38,95,467 9,38,95,467 0
66 0 0 67,624 12,172 51,85,133 51,85,133 51,85,133 0 11,73,249 2,11,185 9,99,73,136 9,99,73,136 9,99,73,136 0
*Other charges includes Premium Allocation Charge, Policy Admin Charge, Fund Management Charge, Extra Mortality Charge and Rider Charges, if any. See Part B for details.
IN THIS POLICY, THE INVESTMENT RISK IS BORNE BY THE POLICYHOLDER AND THE ABOVE INTEREST RATES ARE ONLY FOR ILLUSTRATIVE PURPOSE.
I, ___________________________(name), have explained the premiums, charges and benefits under the policy I, ___________________________ (name), having received the information with respect to the above, have
fully to the prospect / policyholder. understood the above statement before entering into the contract.

Place:
Date: Signature of Agent/ Intermediary / Official Date: Signature of Prospect / Policyholder
Annual premium including rider premium: ₹ 2,96,803
Part B
Gross Yield 8% p.a Net Yield 7.26 % (Amount in Rupees)
Annualized
Annualized Premium Premium - Mortality Policy Admin Smart Lady Other Fund before Fund at Surrender Death
Policy Year Premium (AP) Allocation Premium Charge GST Charge Other Charges^ Additions Additions to FMC FMC End of Value Benefit
Charge (PAC) Allocation the Fund* Year
Charge
1 2,02,703 24,324 1,78,379 18,963 8,156 0 0 1,014 0 1,63,394 2,027 1,63,202 1,56,122 2,25,00,000
2 2,02,703 12,162 1,90,541 19,502 6,459 0 0 0 0 3,50,938 4,217 3,50,523 3,44,623 2,25,00,000
3 2,02,703 10,135 1,92,568 20,147 6,633 0 0 0 0 5,52,396 6,570 5,51,744 5,47,024 2,25,00,000
4 2,02,703 6,081 1,96,622 20,944 6,507 0 0 0 0 7,71,035 9,125 7,70,125 7,67,765 2,25,00,000
5 2,02,703 0 2,02,703 21,852 7,151 6,000 0 0 0 10,03,049 11,875 10,01,866 10,01,866 2,25,00,000
6 2,02,703 0 2,02,703 22,923 7,861 6,000 0 0 0 12,48,790 14,747 12,47,316 12,47,316 2,25,00,000
7 2,02,703 0 2,02,703 24,125 8,625 6,000 0 0 0 15,08,986 17,789 15,07,205 15,07,205 2,25,00,000
8 2,02,703 0 2,02,703 25,486 9,449 6,000 0 0 0 17,84,381 21,009 17,82,275 17,82,275 2,25,00,000
9 2,02,703 0 2,02,703 26,990 10,333 6,000 0 0 0 20,75,784 24,417 20,73,334 20,73,334 2,25,00,000
10 2,02,703 0 2,02,703 28,642 11,280 6,000 0 0 48,649 23,84,051 28,023 24,29,887 24,29,887 2,25,00,000
11 2,02,703 0 2,02,703 30,356 12,422 6,000 0 0 62,250 27,97,985 32,655 28,22,169 28,22,169 2,25,00,000
12 2,02,703 0 2,02,703 32,260 13,641 6,000 0 0 59,275 32,14,876 37,523 32,34,603 32,34,603 2,25,00,000
13 0 0 0 34,738 14,554 6,000 0 0 52,457 34,36,657 40,118 34,48,121 34,48,121 2,25,00,000
14 0 0 0 37,560 15,537 6,000 0 0 41,889 36,62,341 42,759 36,61,509 36,61,509 2,25,00,000
15 0 0 0 40,833 16,601 6,000 0 0 43,704 38,87,545 45,396 38,86,597 38,86,597 2,25,00,000
16 0 0 0 44,583 17,777 6,000 0 0 45,846 41,24,949 48,177 41,23,899 41,23,899 2,25,00,000
17 0 0 0 48,890 19,079 6,000 0 0 48,250 43,74,941 51,107 43,73,794 43,73,794 2,25,00,000
18 0 0 0 53,804 20,519 6,000 0 0 50,972 46,37,917 54,190 46,36,685 46,36,685 2,25,00,000
19 0 0 0 59,325 22,096 6,000 0 0 53,980 49,14,277 57,432 49,12,968 49,12,968 2,25,00,000
20 0 0 0 65,431 23,808 6,000 0 0 57,285 52,04,480 60,837 52,03,101 52,03,101 2,25,00,000
21 0 0 0 72,047 25,643 6,000 0 0 60,712 55,08,945 64,411 55,07,484 55,07,484 2,25,00,000
22 0 0 0 79,013 27,571 6,000 0 0 64,520 58,28,533 68,162 58,27,008 58,27,008 2,25,00,000
23 0 0 0 86,188 29,573 6,000 0 0 69,476 61,65,092 72,105 61,63,579 61,63,579 2,25,00,000
24 0 0 0 93,368 31,614 6,000 0 0 75,120 65,20,469 76,264 65,19,002 65,19,002 2,25,00,000
25 0 0 0 1,00,373 33,667 6,000 0 0 81,665 68,97,013 80,664 68,95,642 68,95,642 2,25,00,000
26 0 0 0 1,07,022 35,704 6,000 0 0 89,165 72,97,516 85,336 72,96,292 72,96,292 2,25,00,000
27 0 0 0 1,13,199 37,713 6,000 0 0 97,780 77,25,247 90,317 77,24,228 77,24,228 2,25,00,000
28 0 0 0 1,18,804 39,681 6,000 0 0 1,07,607 81,83,918 95,648 81,83,168 81,83,168 2,25,00,000
29 0 0 0 1,23,768 41,606 6,000 0 0 1,18,651 86,77,577 1,01,376 86,77,154 86,77,154 2,25,00,000
30 0 0 0 1,28,099 43,497 6,000 0 0 1,30,861 92,10,479 1,07,551 92,10,432 92,10,432 2,25,00,000
31 0 0 0 1,31,767 45,359 6,000 0 0 1,44,095 97,87,048 1,14,226 97,87,409 97,87,409 2,25,00,000
32 0 0 0 1,34,766 47,199 6,000 0 0 1,58,026 1,04,11,685 1,21,453 1,04,12,453 1,04,12,453 2,25,00,000
 Gross Yield 8% p.a Net Yield 7.26 % (Amount in Rupees)
Annualized
Annualized Premium Premium - Mortality Policy Admin Smart Lady Other Fund before Fund at Surrender Death
Policy Year Premium (AP) Allocation Premium Charge GST Charge Other Charges^ Additions Additions to FMC FMC End of Value Benefit
Charge (PAC) Allocation the Fund* Year
Charge
33 0 0 0 1,37,030 49,017 6,000 0 0 1,72,376 1,10,88,863 1,29,286 1,10,90,008 1,10,90,008 2,25,00,000
34 0 0 0 1,38,463 50,803 6,000 0 0 1,86,736 1,18,23,046 1,37,778 1,18,24,499 1,18,24,499 2,25,00,000
35 0 0 0 1,38,872 52,534 6,000 0 0 2,00,746 1,26,18,850 1,46,983 1,26,20,504 1,26,20,504 2,25,00,000
36 0 0 0 1,37,969 54,167 6,000 0 0 2,14,043 1,34,81,164 1,56,960 1,34,82,880 1,34,82,880 2,25,00,000
37 0 0 0 1,35,337 55,639 6,000 0 0 2,26,399 1,44,15,456 1,67,769 1,44,17,064 1,44,17,064 2,25,00,000
38 0 0 0 1,30,414 56,861 6,000 0 0 2,37,608 1,54,28,020 1,79,483 1,54,29,328 1,54,29,328 2,25,00,000
39 0 0 0 1,22,442 57,713 6,000 0 0 2,47,537 1,65,26,340 1,92,183 1,65,27,134 1,65,27,134 2,25,00,000
40 0 0 0 1,10,469 58,039 6,000 0 0 2,56,199 1,77,19,550 2,05,971 1,77,19,604 1,77,19,604 2,25,00,000
41 0 0 0 93,254 57,640 6,000 0 0 2,63,535 1,90,18,834 2,20,968 1,90,17,904 1,90,17,904 2,25,00,000
42 0 0 0 69,236 56,261 6,000 0 0 2,69,532 2,04,37,993 2,37,326 2,04,35,816 2,04,35,816 2,25,00,000
43 0 0 0 36,426 53,578 6,000 0 0 2,74,059 2,19,94,026 2,55,231 2,19,90,305 2,19,90,305 2,25,00,000
44 0 0 0 2,967 51,091 6,000 0 0 2,76,925 2,36,95,119 2,74,872 2,36,89,529 2,36,89,529 2,36,89,529
45 0 0 0 0 54,368 6,000 0 0 2,77,744 2,55,11,225 2,96,044 2,55,03,442 2,55,03,442 2,55,03,442
46 0 0 0 0 58,426 6,000 0 0 2,75,937 2,74,43,421 3,18,588 2,74,33,068 2,74,33,068 2,74,33,068
47 0 0 0 0 62,739 6,000 0 0 2,70,675 2,94,95,732 3,42,552 2,94,82,351 2,94,82,351 2,94,82,351
48 0 0 0 0 67,316 6,000 0 0 2,60,828 3,16,71,301 3,67,978 3,16,54,333 3,16,54,333 3,16,54,333
49 0 0 0 0 72,161 6,000 0 0 2,44,884 3,39,71,946 3,94,897 3,39,50,693 3,39,50,693 3,39,50,693
50 0 0 0 0 77,277 6,000 0 0 2,20,938 3,63,97,665 4,23,318 3,63,71,261 3,63,71,261 3,63,71,261
51 0 0 0 0 82,661 6,000 0 0 1,86,507 3,89,45,942 4,53,225 3,89,13,305 3,89,13,305 3,89,13,305
52 0 0 0 0 88,302 6,000 0 0 1,38,472 4,16,10,925 4,84,569 4,15,70,703 4,15,70,703 4,15,70,703
53 0 0 0 0 94,096 6,000 0 0 0 4,43,09,696 5,16,754 4,42,57,411 4,42,57,411 4,42,57,411
54 0 0 0 0 1,00,108 6,000 0 0 0 4,71,73,898 5,50,155 4,71,18,233 4,71,18,233 4,71,18,233
55 0 0 0 0 1,06,510 6,000 0 0 0 5,02,23,718 5,85,720 5,01,64,454 5,01,64,454 5,01,64,454
56 0 0 0 0 1,13,326 6,000 0 0 0 5,34,71,185 6,23,591 5,34,08,089 5,34,08,089 5,34,08,089
57 0 0 0 0 1,20,585 6,000 0 0 0 5,69,29,107 6,63,915 5,68,61,930 5,68,61,930 5,68,61,930
58 0 0 0 0 1,28,314 6,000 0 0 0 6,06,11,123 7,06,853 6,05,39,602 6,05,39,602 6,05,39,602
59 0 0 0 0 1,36,543 6,000 0 0 0 6,45,31,756 7,52,573 6,44,55,609 6,44,55,609 6,44,55,609
60 0 0 0 0 1,45,306 6,000 0 0 0 6,87,06,470 8,01,256 6,86,25,397 6,86,25,397 6,86,25,397
61 0 0 0 0 1,54,637 6,000 0 0 0 7,31,51,731 8,53,095 7,30,65,412 7,30,65,412 7,30,65,412
62 0 0 0 0 1,64,573 6,000 0 0 0 7,78,85,072 9,08,292 7,77,93,168 7,77,93,168 7,77,93,168
63 0 0 0 0 1,75,152 6,000 0 0 0 8,29,25,162 9,67,067 8,28,27,310 8,28,27,310 8,28,27,310
64 0 0 0 0 1,86,417 6,000 0 0 0 8,82,91,880 10,29,651 8,81,87,696 8,81,87,696 8,81,87,696
65 0 0 0 0 1,98,412 6,000 0 0 0 9,40,06,395 10,96,291 9,38,95,467 9,38,95,467 9,38,95,467
66 0 0 0 0 2,11,185 6,000 0 0 0 10,00,91,244 11,67,249 9,99,73,136 9,99,73,136 9,99,73,136
Gross Yield 4% p.a (Amount in Rupees)
Annualized
Annualized Premium Premium - Mortality Policy Admin Smart Lady Other Fund before Fund at Surrender Death
Policy Year Premium (AP) Allocation Premium Charge GST Charge Other Charges^ Additions Additions to FMC FMC End of Value Benefit
Charge (PAC) Allocation the Fund* Year
Charge
1 2,02,703 24,324 1,78,379 18,965 8,149 0 0 1,014 0 1,56,953 1,984 1,56,768 1,49,688 2,25,00,000
 Gross Yield 4% p.a (Amount in Rupees)
Annualized
Annualized Premium Premium - Mortality Policy Admin Smart Lady Other Fund before Fund at Surrender Death
Policy Year Premium (AP) Allocation Premium Charge GST Charge Other Charges^ Additions Additions to FMC FMC End of Value Benefit
Charge (PAC) Allocation the Fund* Year
Charge
2 2,02,703 12,162 1,90,541 19,513 6,431 0 0 0 0 3,30,925 4,052 3,30,534 3,24,634 2,25,00,000
3 2,02,703 10,135 1,92,568 20,174 6,570 0 0 0 0 5,10,973 6,192 5,10,370 5,05,650 2,25,00,000
4 2,02,703 6,081 1,96,622 20,997 6,392 0 0 0 0 6,99,515 8,434 6,98,689 6,96,329 2,25,00,000
5 2,02,703 0 2,02,703 21,943 6,967 6,000 0 0 0 8,91,888 10,761 8,90,836 8,90,836 2,25,00,000
6 2,02,703 0 2,02,703 23,067 7,589 6,000 0 0 0 10,87,796 13,092 10,86,512 10,86,512 2,25,00,000
7 2,02,703 0 2,02,703 24,341 8,245 6,000 0 0 0 12,87,147 15,466 12,85,628 12,85,628 2,25,00,000
8 2,02,703 0 2,02,703 25,798 8,942 6,000 0 0 0 14,89,811 17,879 14,88,053 14,88,053 2,25,00,000
9 2,02,703 0 2,02,703 27,429 9,677 6,000 0 0 0 16,95,663 20,332 16,93,662 16,93,662 2,25,00,000
10 2,02,703 0 2,02,703 29,245 10,452 6,000 0 0 48,649 19,04,563 22,822 19,50,964 19,50,964 2,25,00,000
11 2,02,703 0 2,02,703 31,171 11,398 6,000 0 0 62,255 22,01,646 26,151 22,26,535 22,26,535 2,25,00,000
12 2,02,703 0 2,02,703 33,353 12,393 6,000 0 0 59,297 24,82,947 29,496 25,03,541 25,03,541 2,25,00,000
13 0 0 0 36,183 13,063 6,000 0 0 52,511 25,57,065 30,387 25,69,573 25,69,573 2,25,00,000
14 0 0 0 39,444 13,791 6,000 0 0 41,995 26,22,477 31,175 26,22,883 26,22,883 2,25,00,000
15 0 0 0 43,267 14,593 6,000 0 0 43,885 26,74,382 31,805 26,74,885 26,74,885 2,25,00,000
16 0 0 0 47,705 15,502 6,000 0 0 46,134 27,24,540 32,416 27,25,170 27,25,170 2,25,00,000
17 0 0 0 52,879 16,539 6,000 0 0 48,683 27,72,337 33,003 27,73,123 27,73,123 2,25,00,000
18 0 0 0 58,881 17,719 6,000 0 0 51,597 28,17,084 33,556 28,18,059 28,18,059 2,25,00,000
19 0 0 0 65,764 19,050 6,000 0 0 54,858 28,58,004 34,068 28,59,203 28,59,203 2,25,00,000
20 0 0 0 73,559 20,536 6,000 0 0 58,490 28,94,281 34,529 28,95,739 28,95,739 2,25,00,000
21 0 0 0 82,255 22,173 6,000 0 0 62,342 29,24,960 34,928 29,26,698 29,26,698 2,25,00,000
22 0 0 0 91,742 23,940 6,000 0 0 66,705 29,49,437 35,256 29,51,509 29,51,509 2,25,00,000
23 0 0 0 1,01,939 25,821 6,000 0 0 72,366 29,67,956 35,511 29,70,477 29,70,477 2,25,00,000
24 0 0 0 1,12,694 27,790 6,000 0 0 78,888 29,80,611 35,694 29,83,660 29,83,660 2,25,00,000
25 0 0 0 1,23,877 29,824 6,000 0 0 86,533 29,87,858 35,811 29,91,535 29,91,535 2,25,00,000
26 0 0 0 1,35,361 31,901 6,000 0 0 95,411 29,90,440 35,867 29,94,853 29,94,853 2,25,00,000
27 0 0 0 1,47,100 34,015 6,000 0 0 1,05,757 29,89,404 35,874 29,94,679 29,94,679 2,25,00,000
28 0 0 0 1,59,076 36,166 6,000 0 0 1,17,761 29,86,040 35,846 29,92,319 29,92,319 2,25,00,000
29 0 0 0 1,71,331 38,363 6,000 0 0 1,31,527 29,81,735 35,798 29,89,166 29,89,166 2,25,00,000
30 0 0 0 1,84,035 40,641 6,000 0 0 1,47,118 29,77,772 35,748 29,86,508 29,86,508 2,25,00,000
31 0 0 0 1,97,360 43,032 6,000 0 0 1,64,510 29,75,249 35,709 29,85,437 29,85,437 2,25,00,000
32 0 0 0 2,11,575 45,588 6,000 0 0 1,83,484 29,74,757 35,691 29,86,529 29,86,529 2,25,00,000
33 0 0 0 2,26,951 48,357 6,000 0 0 2,03,879 29,76,417 35,698 29,89,887 29,89,887 2,25,00,000
34 0 0 0 2,43,832 51,401 6,000 0 0 2,25,387 29,79,635 35,728 29,94,895 29,94,895 2,25,00,000
35 0 0 0 2,62,554 54,778 6,000 0 0 2,47,753 29,83,139 35,768 30,00,261 30,00,261 2,25,00,000
36 0 0 0 2,83,484 58,551 6,000 0 0 2,70,721 29,84,925 35,799 30,03,961 30,03,961 2,25,00,000
37 0 0 0 3,07,001 62,783 6,000 0 0 2,94,201 29,82,380 35,792 30,03,378 30,03,378 2,25,00,000
38 0 0 0 3,33,510 67,540 6,000 0 0 3,18,153 29,72,293 35,712 29,95,300 29,95,300 2,25,00,000
39 0 0 0 3,63,415 72,888 6,000 0 0 3,42,662 29,50,965 35,519 29,76,040 29,76,040 2,25,00,000
40 0 0 0 3,97,221 78,909 6,000 0 0 3,68,071 29,14,321 35,163 29,41,557 29,41,557 2,25,00,000
41 0 0 0 4,35,434 85,685 6,000 0 0 3,94,721 28,57,928 34,596 28,87,450 28,87,450 2,25,00,000
42 0 0 0 4,78,688 93,321 6,000 0 0 4,23,150 27,77,009 33,760 28,08,993 28,08,993 2,25,00,000
43 0 0 0 5,27,731 1,01,939 6,000 0 0 4,53,902 26,66,318 32,597 27,00,994 27,00,994 2,25,00,000
 Gross Yield 4% p.a (Amount in Rupees)
Annualized
Annualized Premium Premium - Mortality Policy Admin Smart Lady Other Fund before Fund at Surrender Death
Policy Year Premium (AP) Allocation Premium Charge GST Charge Other Charges^ Additions Additions to FMC FMC End of Value Benefit
Charge (PAC) Allocation the Fund* Year
Charge
44 0 0 0 5,83,397 1,11,678 6,000 0 0 4,87,664 25,20,165 31,039 25,57,825 25,57,825 2,25,00,000
45 0 0 0 6,46,769 1,22,721 6,000 0 0 5,25,109 23,32,103 29,014 23,73,104 23,73,104 2,25,00,000
46 0 0 0 7,19,099 1,35,277 6,000 0 0 5,66,968 20,94,759 26,439 21,39,530 21,39,530 2,25,00,000
47 0 0 0 7,88,969 1,47,998 6,000 0 0 11,00,042 22,87,760 27,241 23,58,252 23,58,252 2,25,00,000
48 0 0 0 8,58,141 1,60,988 6,000 0 0 12,19,001 25,43,598 30,238 26,20,554 26,20,554 2,25,00,000
49 0 0 0 9,31,540 1,74,831 6,000 0 0 13,41,500 28,42,234 33,743 29,26,045 29,26,045 2,25,00,000
50 0 0 0 10,08,631 1,89,445 6,000 0 0 14,75,204 31,91,809 37,842 32,82,811 32,82,811 2,25,00,000
51 0 0 0 10,88,489 2,04,685 6,000 0 0 16,20,511 36,02,229 42,651 37,00,669 37,00,669 2,25,00,000
52 0 0 0 11,95,971 2,24,152 6,000 0 0 13,62,335 36,25,785 43,319 37,34,915 37,34,915 2,25,00,000
53 0 0 0 0 9,259 6,000 0 0 0 38,27,004 45,440 38,22,488 38,22,488 38,22,488
54 0 0 0 0 9,451 6,000 0 0 0 39,16,905 46,506 39,12,283 39,12,283 39,12,283
55 0 0 0 0 9,648 6,000 0 0 0 40,09,087 47,600 40,04,356 40,04,356 40,04,356
56 0 0 0 0 9,850 6,000 0 0 0 41,03,607 48,721 40,98,765 40,98,765 40,98,765
57 0 0 0 0 10,057 6,000 0 0 0 42,00,526 49,871 41,95,569 41,95,569 41,95,569
58 0 0 0 0 10,269 6,000 0 0 0 42,99,903 51,050 42,94,829 42,94,829 42,94,829
59 0 0 0 0 10,487 6,000 0 0 0 44,01,800 52,259 43,96,606 43,96,606 43,96,606
60 0 0 0 0 10,710 6,000 0 0 0 45,06,283 53,498 45,00,966 45,00,966 45,00,966
61 0 0 0 0 10,938 6,000 0 0 0 46,13,417 54,769 46,07,973 46,07,973 46,07,973
62 0 0 0 0 11,173 6,000 0 0 0 47,23,269 56,072 47,17,695 47,17,695 47,17,695
63 0 0 0 0 11,414 6,000 0 0 0 48,35,907 57,409 48,30,200 48,30,200 48,30,200
64 0 0 0 0 11,660 6,000 0 0 0 49,51,403 58,779 49,45,560 49,45,560 49,45,560
65 0 0 0 0 11,913 6,000 0 0 0 50,69,828 60,184 50,63,846 50,63,846 50,63,846
66 0 0 0 0 12,172 6,000 0 0 0 51,91,258 61,624 51,85,133 51,85,133 51,85,133

Notes:
1. Refer the sale literature for explanation of terms used in this illustration.
2. Fund management charge is based on the specific fund option(s) chosen.
3. *Other Additions to the Fund refers to the ROMC, ROPAC and CCB as applicable under the plan.
4. ^Other charges includes Extra Mortality Charge and Rider Charges, if any.
5. Annualised premium excludes underwriting extra premium, frequency loadings on premiums, the premium paid towards the riders, if any, and Goods and Services Tax.
6. The rider sum assured shall remain unchanged for a period as specified under ‘Guaranteed Period’ from the Date of Commencement of the benefit option. Upon the completion of ‘Guaranteed
Period’, the sum assured as applicable for the benefit option may be revised or the policyholder may be given an option of top up premium to restore the benefit to original amount, subject to
IRDAI’s approval. The top up premium may be payable as a single premium/ level premium during the block of next guarantee period. The requirement of paying the Top up premium in order to
continue with the current level of benefit may be applicable even after expiry of limited pay premium term.
I, ___________________________ (name), have explained the premiums, charges and benefits under the policy I, Sa vitha Guda p , having received the information with respect to the above, have understood the above statement
fully to the prospect / policyholder. before entering into the contract.

Place:
Date: 12 Apr 2024 Date: 12 Apr 2024
Signature of Agent/ Intermediary/ Official Signature of Prospect / Policyholder
Unique Reference Number - L&C/Advt/2024/Jan/0181 (Rider - L&C/Advt/2022/Sep/2271)
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, Call the Tata AIA Life Insurance Company Ltd Helpline number1860-266-9966 (local charges apply) or Visit us at: www.tataaia.com
(I)V.96.00/FY2024-2025_Q1/RELEASE 01-04-24/EXPIRY 30-06-2024 005804286CJPSSRULV1N1 12-04-2024 08: 42 PM
 Tata AIA Life Insurance • IRDA of India Regn no. 110

Customer Information Sheet/ Know Your Policy

This document provides key information about your policy.You are also advised to
go through your policy document

Description Policy Clause

Sr No Title
(Please refer to applicable Policy Clause Number in next column) number
01 Name of Insurance Product/Rider Tata AIA Vitality Protect Plus(UIN:110A048V03)(A Non-Linked, Non- Participating Individual Health rider) Policy Schedule
02 Policy Number 70007762347 Policy Schedule
03 Type of Insurance Product/ Policy Benefit (Where your insurance policy pays fixed amount on the occurrence of a covered event) Clause of Part C
04 Sum Insured (Basis)(Along with Income Policy Schedule
Amount) Benefit Option Sum Assured Lumpsum (Rs) Income p.a (Rs)
Duration(Years)
Term Booster 25,00,000 25,00,000 0 0
Accidental Death 2,25,00,000 2,25,00,000 0 0
Accidental Total & Permanent
2,25,00,000 2,25,00,000 0 0
Disability
In case of any change in Sum Assured after submission of proposal, please refer to your latest Benefit
Illustration Document.
05 Policy Coverage (What the policy Benefit Options Clause of Part C
covers) and Part F
Term Booster:
The Insured Amount under this option is payable on earlier of death or diagnosis of Terminal illness of the Life
Insured.
Accidental Death (AD)
The Insured Amount under this Benefit Option will be payable in the event of the death of the Life Insured due
to an accident within the Benefit Option Term, provided the death occurs within 180 days from the date of that
accident.The benefit shall be payable even if the Accident takes place within the Coverage Term and the death
occurs beyond the Coverage Term, provided the date of death is within 180 days of the Accident.The benefit
payable will be doubled if the death due to an accident occurs under any of the circumstances below:
1. While the Life Insured is riding as a fare paying passenger on commercially licensed public land
transportation over an established route such as abus, tram or train.A taxi or any form of transport
chartered for private travel is excluded;
2. While the Life Insured is in an elevator car (elevators in mines, rigs and on construction sites excluded)
duly certified to carry passengers;
3. As a direct result of the burning of the following public buildings only: theatre, cinema, public auditorium,
hotel, school and hospital; or
4. When the Life Insured is on a commercial passenger airline on a regular scheduled passenger trip over
its established passenger route.
This benefit is payable only once during the Coverage Term and shall terminate upon death of the Life Insured
or expiry of the Coverage Term, whichever earlier.

Accidental Total And Permanent Disability (ATPD):

100% of the Insured Amount under this Benefit Option will be payable in the event of the Total and Permanent
Disability of the Life Insured due to an accident within theBenefit Option Term, provided the Total and
Permanent disability occurs within 180 days from the date of that accident.
The benefit shall be payable even if the Accident takes place within the Coverage Term and the Total and and
Permanent Disability occurs beyond the Coverage Term,provided the date of disability is within 180 days of the
Accident.
The benefit payable will be doubled if the Disability due to accident occurs under any of the circumstances
below:
1. While the Life Insured is riding as a fare paying passenger on commercially licensed public land
transportation over an established route such as abus, tram or train. A taxi or any form of transport
chartered for private travel is excluded;
2. While the Life Insured is in an elevator car (elevators in mines, rigs and on construction sites excluded)
duly certified to carry passengers;
3. As a direct result of the burning of the following public buildings only: theatre, cinema, public auditorium,
hotel, school and hospital; or
4. When the Life Insured is on a commercial passenger airline on a regular scheduled passenger trip over
its established passenger route.
This benefit is payable only once during the Coverage Term and shall terminate upon death of the Life Insured
or expiry of the Coverage Term, whichever earlier.
Clause of Part C
Wellness Program and Health Management Services: and Part F
Tata AIA Vitality (if opted): Tata AIA Vitality is a science based comprehensive and personalized Wellness
Program.It rewards you with benefits at the time of opting for the rider with Wellness Program and subsequently
throughout the rider term.The rewards may be in the form of Discount on Premium, Premium Cashback, Cover
Booster or Annual Health Cashback.
Once you enroll in this program, in order to earn wellness benefits, you need to download and register on
Vitality app, as benefits would be basis Wellness Status achieved which shall be tracked through Vitality app.
Clause of Part C
Maturity Benefit: and Part F
If you have chosen Return of Balance Premium option at inception of the rider, on survival till end of the
Coverage Term provided the rider / benefit option is not terminated, the Total Premiums Paid (Excluding loading
for Modal Rider Premiums) towards the respective benefit option shall be returned, after deduction of
Any claim payout made under the respective benefit option and
Any premium discounts availed under the Wellness Program(if opted) as premium discounts or
premium cashback,
In case the payout under Return of Premium option is triggered, the premiums waived (if any) shall be
added to the Total Premiums Paid by the Policyholder for the calculation of the Return of Balance
Premium for the respective Benefit Option.

Tata AIA Life Insurance • IRDA of India Regn no. 110
 Tata AIA Life Insurance • IRDA of India Regn no. 110

06 Exclusions (What the policy does Clause of Part C

not cover) Term Booster and Part F.
Suicide Exclusion: In case of death due to suicide within 12 months from the date of commencement of risk Refer Definition
under the policy or from the date of revival of the policy, asapplicable, the nominee or beneficiary of the and Exclusions
policyholder shall be entitled to at least 80 % of the total premiums paid till the date of death or the surrender Annexure
value available as on the date of death whichever is higher, provided the policy is in force.
No other claim would be entertained by the Company except the refund of 80 % Total Premiums Paid or the
acquired surrender value, as applicable.
Apart from Suicide exclusion detailed above, no other exclusion is applicable in the event of death.
Terminal Illness Exclusion: The Life Insured will not be entitled to any Terminal Illness benefit if it is caused
directly or indirectly due to or occasioned, accelerated oraggravated by intentional self-inflicted injury or
attempted suicide, whether medically sane or insane.

Accidental Death (AD)

Accidental Death Benefit shall not be payable for any losses caused directly or indirectly, wholly or partly, by
any one of the following occurrences:
Death as a result of any disease or infection
Death arising due to any condition other than death solely and directly as a result of an acciden
Any pre-existing condition of disability arising out of a Pre-existing diseases or any complication arising
therefrom. Wherever the proximate cause is accidentwhich has occurred after the rider inception date,
this exclusion shall not apply.
Suicide, attempted suicide, attempted self-destruction or self-inflicted injury, irrespective of mental
condition.
Death arising from or caused due to use, abuse or a consequence or influence of any abuse of any
substance, intoxicant, drug, alcohol or hallucinogen
Death arising out of or attributable to foreign invasion, act of foreign enemies, hostilities, war like
operations (whether war is declared or not or while performingduties in the armed forces of any country
during war or at peace time), participation in any naval, military or air force operation, civil war, public
defense, rebellion,revolution, insurrection, military or usurped power.
Death caused by Participation by the insured person in any flying activity, except as a bona fide, fare-
paying passenger of a recognized airline on regular routes andon a scheduled timetable.
Insured Person whilst engaging in a speed contest or racing of any kind (other than on foot), bungee
jumping, parasailing, ballooning, parachuting, skydiving,paragliding, hang gliding, mountain or rock
climbing necessitating the use of guides or ropes, potholing, abseiling, deep sea diving using hard
helmet andbreathing apparatus, polo, snow and ice sports in so far as they involve the training for or
participation in competitions or professional sports, or involving anaval, military or air force operation
and is specifically specified in the Policy Schedule.
Working in underground mines, tunnelling or explosives, or involving electrical installation with high
tension supply, or as jockeys or circus personnel, orengaged in Hazardous Activities.
Death arising or resulting from the Insured Person committing any breach of law or participating in an
actual or attempted felony, riot, crime, misdemeanor, orcivil commotion with criminal intent.
Death arising from or caused by ionizing radiation or contamination by radioactivity from any nuclear
fuel (explosive or hazardous form) or resulting from or fromany other cause or event contributing
concurrently or in any other sequence to the loss, claim or expense from any nuclear waste from the
combustion of nuclear fuel,nuclear, chemical or biological attack.
No benefits will be payable for any condition(s) which is a direct or indirect result of any pre-existing conditions
unless Life Insured has disclosed the same at the time of proposalor date of revival whichever is later and the
Company has accepted the same.

Accidental Total And Permanent Disability (ATPD):

This Benefit shall be not payable for any losses caused directly or indirectly, wholly or partly, by any one of the
following occurrences:
Disablement as a result of any disease or infection.
Disablement arising due to any condition other than disablement solely and directly as a result of an
accident.
Any pre-existing condition or disability arising out of a pre - existing diseases or any complication arising
therefrom. Wherever the proximate cause is accidentwhich has occurred after the rider inception date,
this exclusion shall not apply.
If the Disability has not persisted for at least 180 days and is not in the opinion of a medical practitioner,
deemed to be permanent.
Attempted suicide, attempted self-destruction or self​inflicted injury, irrespective of mental condition.
Disablement arising from or caused due to use, abuse or a consequence or influence of an abuse of
any substance, intoxicant, drug, alcohol or hallucinogen
Disablement arising out of or attributable to foreign invasion, act of foreign enemies, hostilities, warlike
operations (whether war be declared or not or whileperforming duties in the armed forces of any country
during war or at peace time), participation in any naval, military or air - force operation, civil war, public
defense,rebellion, revolution, insurrection, military or usurped power
Disablement caused by Participation by the insured person in any flying activity, except as a bona fide,
fare​paying passenger of a recognized airline on regularroutes and on a scheduled timetable.
Insured Person whilst engaging in a speed contest or racing of any kind(other than on foot), bungee
jumping, parasailing, ballooning, parachuting, skydiving,paragliding, hang gliding, mountain or rock
climbing necessitating the use of guides or ropes, potholing, abseiling, deep sea diving using hard
helmet andbreathing apparatus, polo, snow and ice sports in so far as they involve the training for or
participation in competitions or professional sports, or involving a naval,military or air force operation
and is specifically specified in the Policy Schedule
Working in underground mines, tunnelling or explosives, or involving electrical installation with high
tension supply, or as jockeys or circus personnel, orengaged in Hazardous Activities
Disablement arising or resulting from the Insured Person committing any breach of law or participating
in an actual or attempted felony, riot, crime, misdemeanor,or civil commotion with criminal intent.
Disablement arising from or caused by ionizing radiation or contamination by radioactivity from any
nuclear fuel (explosive or hazardous form) or resulting from or from any other cause or event
contributing concurrently or in any other sequence to the loss, claim or expense from any nuclear waste
from the combustion of nuclear fuel, nuclear, chemical or biological attack.

07 Waiting Period Benefit Option Waiting Period Applicable Clause of Part C

Term Booster , Accidental Death , and Part F
Accidental Total & Permanent Not Applicable
Disability

08 Financial Limits of coverage Not Applicable. Clause of Part C

Tata AIA Life Insurance • IRDA of India Regn no. 110
 Tata AIA Life Insurance • IRDA of India Regn no. 110

09 Claims/ Claims Procedure To register claim, please visit the Company through any service touch points mentioned in Policy servicing Clause of Part C
section. Reimbursement Claim Process: and Part F
1. Get treatment in hospital/nursing home as per the norm.
2. After paying the bills Intimate the claim to Company for reimbursement of the amount
3. Register and submit all relevant and mandatory claim documents.
4. Company verifies/scrutinizes the documents and claim submitted basis your policy coverage and
details.
5. If claim is approved, Payment is settled into customer's account.
Please note that,
1. If any queries, a query letter will be sent to you.
2. If claim is rejected/denied, a rejection letter mentioning the reason for rejection will be sent to you.

10 Policy Servicing i. E-mail us at customercare@tataaia.com Clause of Part D

ii. Contact your Tata AIA Life Agent / Distributor and Part G
iii. Call our helpline number 1-860-266-9966 (Call charges apply)
iv. Visit the nearest the Tata AIA Life branch or CAMS Service Center
v. Log on to Online Customer Portal by visiting www.tataaia.com
vi. Write to us on the following address: Tata AIA Life Insurance Company Limited 9th Floor, B-Wing, I-
Think Techno Campus,Behind TCS(Lodha), Pokhran Road No.2, Thane(West), Mumbai 400 607

11 Grievances / Complaints You can register grievances through below modes: Clause of Part
G
i. E-mail us at life.complaints@tataaia.com
ii. Service avenues as mentioned above for Policyholder Servicing[other than email]
Kindly address your complaints to: Grievance Redressal Department
For escalations, (In case not satisfied with the decision or not receipt of any response), customers can email to
GRO@tataaia.comor write to:
Grievance Redressal Officer(GRO)
Tata AIA Life Insurance Company Limited,
9th Floor, B - Wing, I - Think Techno Campus,
Behind TCS(Lodha),
Thane(West), Mumbai 400 607.
Insurance Ombudsman:
Where the redressal is not satisfactory despite the escalations, you may represent to the
Ombudsman.Forcontact details, contact number and email of the relevant Ombudsman office, kindly refer the
policy document or visit the IRDA of India website http://www.policyholder.gov.in - Ombudsman / List of
Insurance Ombudsmen or our website www.tataaia.com
12 Things to remember Freelook Period
Within a free look period of 15 days from the date of receipt of the Policy / 30 days in case of electronic policies
/ policies obtained through distance mode, You can return the policy for cancellation stating the reasons for the
same, if You disagree to any of the terms or conditions of the Policy.
Within Freelook You are entitled to a refund of the premium paid without interest after deduction of
proportionate risk premium stamp duty and medical examination cost along with applicable taxes and cesses or
levies, if any.
In respect of a linked insurance product, You shall receive the non-allocated Premium plus charges levied by Clause of Part C
cancellation of Units plus Fund Value at the date of cancellation less the deductions mentioned above. and Part D
Survival Period
0 day or 7 days of Survival period is applicable as chosen by you.
Cooling-off Period
For multiple minor stage claims, there needs to be a period of 180 days between date of occurrence of minor
stage critical illness and date of diagnosis of the subsequent minor stage critical illness.However, this
requirement of 180 days isnot applicable in case of diagnosis of a major / catastrophic stage claim following a
minor stage claim.
Fraud, Mis-statement or Suppression: Clause of Part C
Any fraud, mis-statement or suppression of a material fact under the Policy shall be dealt in accordance with and Part F
Section 45 of the Insurance Act, 1938 as amended from time to time.
13 Your Obligations Please disclose all pre-existing disease/s or condition/s before buying a Policy.Non - disclosure may Clause of Part C
result in claim not being paid. and Part F and
All information sought in the Proposal form is Material for issuance of the policy and settlement of claim. Annexure 1 /
Disclosure of Material Information and any changes therein during the Policy period should be Annexure A
communicated to us by
Sending an email to customercare@tataaia.com from your email id registered with us
Submission of the Request for Change form* (filled and signed) at any Tata AIA Life Insurance Branch
or Service Centre
*Request for Change form is available on our websitewww.tataaia.com

Tata AIA Life Insurance • IRDA of India Regn no. 110
 Tata AIA Life Insurance • IRDA of India Regn no. 110

"We", "Us", "Our", "Insurer" or "Company" refers to Tata AIA Life Insurance Company Limited.

Declaration by the Policy Holder:

I have read the above and confirm having noted the details. I further confirm the below that:

a. In case of any change to the Sum Insured/ Rider after submission of the proposal, the details in the revised Benefit Illustration and Customer Information Sheet would be applicable.
b. I have received a copy of the CIS through the download utility/ through my Salesperson.
c. I am aware that on request I can avail of the CIS in local language.

Place:

Date:

(Signature of Policy)

Tata AIA Life Insurance • IRDA of India Regn no. 110