TATA AIA Guaranteed Return Insurance Plan

Plan Benefits

Get guaranteed income

Get guaranteed income to fulfil your life goals such as securing children's education, buying a house or accumulating a corpus for early retirement.

Flexible choice of returns

Flexibility to receive Guaranteed Lumpsum amount, Regular Income or Whole Life Income based on your needs/goals.

Life Insurance Coverage

Protect your family with secure life insurance cover under any of our plan options from day one of policy issuance.
 

Guaranteed additions~ to boost corpus

If you choose the endowment plan option, a percentage of the Guaranteed Maturity Benefit will be accrued each policy year that can boost your corpus year on year.
 

Save tax up to ₹46,800**

Get income tax^# benefits as per applicable income tax laws and save tax.

Joint life cover

Flexibility to cover your spouse in the same policy under Whole Life Income Option.
 

Pay premium conveniently

You can pay your premium amount in Single / Annual / Half-yearly / Quarterly / Monthly mode of payment.
 

Riders^{^} for additional protection

Riders^{^} for additional protection Enhance your protection with our optional Riders^{^} that protect you from events such as hospitalisation and critical illnesses like cancer, heart conditions, accidental disability, etc.
 

Disclaimer

The complete name of Tata AIA Guaranteed Return Insurance Plan is Tata AIA Life Guaranteed Return Insurance Plan (Individual, Non-Linked, Non-Participating, Life Insurance Savings Plan)

• ^$Guaranteed Annual Income (GAI) in the Regular Income option is a percentage of one Annualised Premium, while in the Whole Life Income option it is a percentage of the Total Premiums Paid
• ^&Provided that the policy acquires Surrender Value, policyholders may apply for a policy loan for such an amount within the extent of 80% of Surrender Value. The Policy must be assigned to Tata AIA Life.
• ^~Guaranteed Addition (Endowment option), defined as a percentage of GMB (Guaranteed Maturity Benefit), shall accrue at a simple rate for each completed policy year starting from the 2nd policy year, throughout the Policy Term and shall be payable on Maturity or Death, whichever is earlier, subject to all due premiums being paid. GA shall accrue @ 7.5% of GMB
• ^**Tax benefits of up to ₹46,800 u/s 80C are calculated at the highest tax slab rate of 31.20% (including cess excluding surcharge) on life insurance premium paid of ₹1,50,000 as per the old tax regime. Tax benefits under the policy are subject to conditions laid under Section 80C, 80D, 10(10D), 115BAC and other applicable provisions of the Income Tax Act, 1961. Tax-free income is subject to conditions specified under Section 10(10D) and other applicable provisions of the Income Tax Act, 1961. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details before acting on the above.
• ^{^}Riders are not mandatory and are available for a nominal extra cost. For more details on benefits, premiums, and exclusions under the Rider, please contact Tata AIA Life's Insurance Advisor/Intermediary/branch.
• Tata AIA Benefit Protection Rider - A Non-Linked, Non-Participating Individual Health Rider is available under this plan.
• ^#No Goods and Service Tax shall be applicable on Individual life insurance products as per prevailing laws. Tax laws are subject to amendments from time to time. If any imposition (tax or otherwise) is levied by any statutory or administrative body under the Policy, Tata AIA Life Insurance Company Limited reserves the right to claim the same from the Policyholder. Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment of conditions stipulated therein. Tax-free income is subject to conditions specified under Section 10(10D) and other applicable provisions of the Income Tax Act, 1961. Tata AIA Life Insurance Company Ltd. does not assume responsibility for tax implications mentioned anywhere on this site. Please consult your own tax consultant to know the tax benefits available to you.
• This product is underwritten by Tata AIA Life Insurance Company Ltd.
• The plan is not a guaranteed issuance plan, and it will be subject to the company’s underwriting and acceptance.
• Insurance cover is available under this product.
• For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. The precise terms and conditions of this plan are specified in the Policy Contract. For more details on risk factors, terms and conditions please visit us at: www.tataaia.com.
• In case of non-standard lives and on submission of non-standard age proof, extra premiums will be charged as per our underwriting guidelines.
• Risk cover commences along with policy commencement for all lives, including minor lives.
• L&C/Advt/2026/Mar/1812
  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. 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. 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 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 customercare@tataaia.com. Visit us at: www.tataaia.com.