Tata AIA Capital Guarantee Solution

Tata AIA Capital Guarantee Solution is a powerful offering that combines Tata AIA Life Insurance Smart Income Plus and Tata AIA Life Insurance Fortune Pro/Tata AIA Life Insurance Wealth Pro. With Tata AIA Capital Guarantee Solution, you can build a comprehensive financial net of safety for your loved ones and your wealth creation objectives. Get guaranteed protection of all the premium amount paid and enjoy market linked returns on maturity while securing your family members with a life cover.

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rating
6.7 Crore
Registered Consumers
51
Insurance Partners
3.4 Crore
Policies Sold

Life Insurance Plans under the Capital Guarantee Solution

The following investment plans are included under the Capital Guarantee Solution:

  • Tata AIA Life Insurance Fortune Pro (Unit Linked, Individual Life Insurance Savings Plan) this plan can also be replaced with the Tata AIA Life Insurance Wealth Pro (Unit Linked, Individual Life Insurance Savings plan).

  • The Tata AIA Life Insurance Smart Income Plus (Non-Linked, Non-Participating, Individual Life Insurance Savings Plan)

Benefits of Tata AIA Capital Guarantee Solution

Following are the features of Tata AIA Capital Guarantee Solution Plan: 

  • Guaranteed Protection of All Paid Premiums: The premiums you pay for this plan are protected, ensuring that you receive guaranteed returns on your investment.

  • Market Linked Returns: By investing a portion of your premium regularly in investment funds of your choice, you have the opportunity to create long-term wealth through market-linked returns.

  • Life Cover: This policy provides an increasing life cover, safeguarding your family's financial future in the event of an unfortunate incident.

  • Flexible Death Benefit Payout: In this plan, the death benefit payout can be customized to suit your preferences. You can choose to receive it as a lump sum, regular income, or a combination of both.

  • Flexibility to Choose Percentage of Guaranteed Amount: Depending on your annualized premium amount, you have the flexibility to select 80%, 90%, or 100% of the guaranteed amount as the payout.

People also read: Tata Life Flexi Growth Fund NFO

You can choose the following percentage of guaranteed maturity payout based on your risk appetite:

  • 80% of Total Premiums Paid (excluding taxes)

  • 90% of Total Premiums Paid (excluding taxes)

  • 100% of Total Premiums Paid (excluding taxes)

  • Limited Payment Term: You only need to pay premiums for a limited period of 7 or 10 years, depending on the policy term of 15 or 21 years, respectively.

  • Partial Withdrawal: After a mandatory lock-in period of 5 years on your investment fund, you can make partial withdrawals according to your financial needs.

  • Multiple Fund Options: You have the freedom to choose from a variety of top-rated funds, allowing you to personalize your investment strategy.

  • Tax Benefits: As per the applicable income tax laws, you can avail yourself of income tax benefits, reducing your tax liability.

By opting for the Tata AIA Capital Guarantee Solution, you can enjoy the peace of mind that comes with guaranteed protection of your premiums, potential market-linked returns, life cover, flexible death benefit payouts, and various other benefits that cater to your financial goals and needs.

Eligibility Criteria for Tata AIA Capital Guarantee Solution

The available plan option under the Tata AIA Capital Guarantee Solution comes under Endowment Plan Option. Listed below is the eligibility criteria of this capital guarantee plan

Parameters Minimum
Maximum 
Entry Age 18 years 50 years
Premium For 10 Pays- Rs. 1,00,000
For 7 Pays- Rs. 1,50,000
No Limit
Premium Payment Term (PPT) Tata AIA Life Insurance Smart Income Plus and
Tata AIA Life Insurance Fortune Pro- 7 years
Tata AIA Life Insurance Wealth Pro- 10 years
Policy Term(PT) Tata AIA Life Insurance Smart Income Plus and
Tata AIA Life Insurance Fortune Pro- 15 years
Tata AIA Life Insurance Wealth Pro- 21 years

How to Purchase Tata AIA Capital Guarantee Solution Plan from Policybazaar?

Here are the steps to purchase the Tata AIA Capital Guarantee Solution Plan through Policybazaar:

  1. Choose Investment Amount:

    Decide on the amount you want to invest in order to fulfill your life goals.

  2. Choose the Premium Payment Duration:

    Select a premium payment term of either 7 years or 10 years. With this plan, you only need to pay premiums for a limited number of years.

  3. Pick a Suitable Policy Term:

    Depending on the premium payment term you choose, your policy term will be either 15 years or 21 years.

  4. Select the Investment Preference:

    Choose an investment preference that suits you from the multiple options available.

  5. Make the Premium Payment:

    Once your benefit illustration is ready, you can make the premium payment online. Policybazaar offers various digital payment options to complete the policy purchase.

    By following these steps, you can purchase the Tata AIA Capital Guarantee Solution Plan conveniently through Policybazaar's online platform.

    The Tata AIA Capital Guarantee Solution offers investors an attractive combination of capital protection, growth potential, and flexibility. By addressing the concerns of risk-averse investors and providing them with a reliable investment option, Tata AIA establishes itself as a key player in the financial industry, catering to the diverse needs of investors and contributing to their financial well-being.

FAQ's

  • What are the key features of Tata AIA Capital Guarantee Solution?

    The key features of Tata AIA Capital Guarantee Solution include:
    • Life insurance coverage: The solution provides a life insurance component that offers financial protection for the policyholder and their beneficiaries.

    • Investment growth potential: The remaining premium amount is invested in a fund, allowing for potential growth over the long term.

    • Capital guarantee: The investment portion comes with a capital guarantee, ensuring that you will receive back at least the amount you initially invested, even if the market performs poorly.

    • Flexibility: The solution offers flexibility in choosing the investment fund based on your risk appetite and financial goals.

  • Under what circumstances can a claim be submitted for this policy?

    Claims for this policy can be submitted in the following two situations:
    • In the event of the insured's death, the nominee can file a claim to receive the death benefit payout.

    • If the insured survives the policy term, they can file a claim to receive the maturity benefit, which includes both investment returns and guaranteed returns.

Past 5 Year annualised returns as on 01-04-2024

^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.

*All savings are provided by the insurer as per the IRDAI approved insurance plan.

Tax benefit is subject to changes in tax laws. Standard T&C Apply
~Source - Google Review Rating available on:- http://bit.ly/3J20bXZ

^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.

#The lumpsum benefit is calculated if policyholder invested ₹10000 monthly for 10 years in the fund with a policy term of 20 years. This Point To Point past performance data of last 10 years has been used to illustrate a scenario for the customers benefit. It is assumed that the past 10 years returns would have also been delivered in last 20 years. This is not guaranteed and not in anyway indicative of what the customer may actually get 20 years from now. The investment is subject to market risk and the risk is borne by the policyholder.

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