Key Features

• Savings Plan Option
• Choice of Cash Bonus Payout^*
• Sub-Wallet^˜
• Withdrawal from Wallet
• Survival Benefit
• Whole Life Cover
• Rider Benefit^$$
• Life Protect^**
• Tax benefit^{^^}

Disclaimers

• ¹The policyholder can choose to receive full or part of his benefits into his ‘Sub-Wallet’.The Sub-wallet will earn a loyalty addition that will accrue daily. This loyalty addition will be at the rate as outlined below:
• Lower of (State Bank of India (SBI) savings bank interest rate + 1.50%p.a. AND SBI savings bank interest rate x 1.5 times). The SBI savings bank interest rate will be reviewed every six months (on 1st April & 1st October every year). The Company may in future change the reference rate from SBI savings bank interest rate to some other index, subject to prior approval of IRDAI. The current loyalty addition rate on the Sub-wallet based on the above will be 4.05% compounding annually from 1st April 2024 to 30th September 2024. The policyholder can withdraw the balance in part or in full, anytime during the policy term through the sub-wallet provided by service provider(s) empaneled by the Company, from time to time. Such an arrangement, can be done with entities that are regulated by Department of Payment and Settlement Systems (DPSS), Reserve Bank of India, and are governed by Master Directions on Prepaid Payment Instruments, or other entities licensed/ authorized by the relevant regulator/ authority, to provide additional payment options to the policyholder - such as IMPS, virtual prepaid cards or other similar options to withdraw money from the Prepaid Payment Instrument or other appropriate account/ instrument as authorized by the relevant regulator.. The balance in the Sub-wallet, if any, will be paid to the policyholder at the time of termination or foreclosure of the policy, subject to any recovery of any accumulated mortality charges and/or outstanding loan and interest thereon as per policy terms and conditions
• ^{^^}Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment 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 implications mentioned anywhere on this site. Please consult your own tax consultant to know the tax benefits available to you.
• ^$$Rider is not mandatory and is available for a nominal extra cost. Rider available with SVIP, Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider (UIN:110B033V04 or any other later version) and Tata AIA Life Insurance Non-Linked Comprehensive Health Rider (UIN: 110B031V03 or any other later version) For more details on benefits, premiums, and exclusions under the Rider, please contact Tata AIA Life's Insurance Advisor/ branch.
• ^*Tata AIA Life Insurance Smart Value Income Plan provides a Cash Bonus or Accumulated cash bonuses, if declared and along with Guaranteed Maturity Benefit
• ^~Only available with cash bonus option.
  This plan is not a guaranteed issuance plan, and it will be subject to Company’s underwriting and acceptance.
• ^**A monthly mortality charge will be levied. Please refer Terms and Conditions for details
• Policy Document/Product brochure should be read along with Bene¬t Illustration for further details.
• 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 product is underwritten by Tata AIA Life Insurance Company Ltd. This plan is not a guaranteed issuance plan, and it will be subject to Company’s underwriting and acceptance
• Insurance cover is available under this product.
• 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
• For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
• (i) The risk factors of the bonuses projected under the product are not guaranteed. (ii) Past performance doesn't construe any indication of future bonuses, and (iii) these products are subject to the overall performance of the insurer in terms of investments, management of expenses, mortality and lapses.

• City Union Bank is Registered with Insurance Regulatory and Development Authority of India bearing Registration Number CA0023 is the corporate agent/intermediary of Tata AIA Life Insurance Company Limited and does not underwrite the risk or act as an insurer. Registered Address: 149 , TSR Big Street , Kumbakonam612001. Participation by the clients of City Union Bank in the insurance product is purely on voluntary basis. The Contract of Insurance is between Tata AIA Life Insurance and the insured and not between City Union 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 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 us at customercare@tataaia.com. Visit us at: www.tataaia.com. (UIN:110N162V03)


• L&C/Advt/2025/Jan/0367
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  BEWARE OF SPURIOUS PHONE CALLS & FICTITIOUS / FRAUDULENT OFFERS
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  IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.t