“i want to become a doctor ”

Tata AIG Life InvestAssure SuperstarFor Internal Circulation only

“I want to become a Doctor ”“I want to become a Pilot ”“I want to become an Astronaut”“I want to become a Scientist ”They Think high

They Aim high

They Dream high


Are you prepared to make their dreams come TRUE ?


Some HARD FACTS…

Cost of Education

Course Details Present Cost (Rs.) Cost after 10 years (Rs.)*

Annual School fees at a School of International Repute (Source:http://www.da-is.org/html/admissions_feeschedule.html)

1,90,000 3,41,000

Pilot Courses (Source:http://indianaviationnews.net) 19,00,000 34,00,000

Masters in Business Administration (MBA) from a prestigious institute (Source: http://www.iimahd.ernet.in/programmes/pgpapply_fees.htm)

12,50,000 22,38,560

Bachelor of Medicine & Bachelor of Surgery (MBBS) (Source:http://www.hindu.com)

10,00,000 18,00,000

* Assuming rate of Inflation at 6% p.a.


Have you saved enough to give your child a Bright Future?

What happens to their dreams if anything unfortunate happens to you?


Presenting…

Tata AIG Life InvestAssure SuperstarHelping you Secure your child’s future and Make their DREAMS come true

UIN: 110L071V01


Reaching for the Stars

Guaranteed Maturity bonus to help you increase funds in the kitty.**

SMART way of investment to help you capitalize the risk in a Volatile Market

Single policy, double benefits. The benefits of policy continue even after the death/total permanent disability of the Insured.*

Get more security by opting for additional Risk cover

** Subject to all premium paid & WoP benefit not being triggered anytime during the premium paying term

* WoP triggered upon death or Total Permanent disability of the Insured parent.


Meet Mr. Mehta and his 10 year old child Ayush who

studies in class 4.Mr. Mehta wants the best when it comes to Ayush’s

future.

He has certain expectations from him..


What would it take Mr.Mehta to give his son the best?

SCHOOLING* HIGHERSECONDARY*

PROFESSIONAL COURSE*

MISCELLANEOUS**

Rs.1,80,000Rs.2,40,000

Rs.18,00,000

Rs.15,00,000

* Cost of education mentioned is on approximation basis

** Includes daily living expenses like food, clothes, transport etc

A WhoppingRs.37,20,000


But what happens to the dream if….

SCHOOLING

Rs.1,80,000HIGHER

SECONDARY

Rs.2,40,000PROFESSIONAL

COURSE

Rs.18,00,000MISCELLANEOUS

EXPENSES

Rs.15,00,000

Something unfortunate was to happen to Mr. Mehta?

What would you do if you had to handle such a situation?


Lets see how a normal insurance plan will help…

Schooling

Higher Secondary

ProfessionalCourse

Purchasing policy

Death/Disability Recurring expenses

Sum Assured paid to Nominee & policy terminates

What about the future expenses?

We have already seen what INFLATION can do to current expenses


Tata AIG Life InvestAssure Superstar is a unique plan that gives you best of both the worlds

Sum Assured that will take care of your Current needs

Death Benefit

Fund Value that will take care of your Future needs

Maturity Benefit


Death Benefit

Sum Assured* paid to the nominee

In-Built Waiver of premium benefit activated and future premiums waived off **

* *All charges except Mortality charge & waiver of Premium charge will be deducted as due

* Sum Assured will not reduce due to Partial Withdrawal

Get the best of both the worlds…1

Disability BenefitDisability Benefit

In case of Total Permanent DisabilityIn case of Total Permanent Disability

Future Premiums are Waived off & benefits continues till end of policy term*$

MATURITY

* Benefit paid till such time the insured remains disabled.$ All charges except waiver of Premium charge will be deducted as due

Note: Change in Sum Assured is not allowed during disability benefit period


Family Guard*: 100% of Future premiums paid in to policy, as if the policy is on Monthly mode, up to premium paying term.

Family Guard*: 100% of Future premiums paid in to policy, as if the policy is on Monthly mode, up to premium paying term.

Option to choose the WoP benefit

Family Advantage*: 50% of future premiums paid in to policy as if the policy is on Monthly mode and 50% to the nominee up to premium paying term, as if the Policy is on Monthly mode

Family Advantage*: 50% of future premiums paid in to policy as if the policy is on Monthly mode and 50% to the nominee up to premium paying term, as if the Policy is on Monthly mode

OR

* WoP benefit to be chosen at the inception fo the policy


Understanding Family Guard option

11 22 33 44 55 66 77 88 99 10101010

Policy Term of 10 years

Premium payment term of 5 years (Regular Annual Premium of Rs.24,000)

11 22 33 44 55

Death of Insured

33

Rs.2,000 paid in to the policy every month till the end of the premium payment term

Maturity benefit paid to the nominee upon maturity


Understanding Family Advantage option

11 22 33 44 55 66 77 88 99 10101010

Policy Term of 10 years

Premium payment term of 5 years (Regular Annual Premium of Rs.24,000)

11 22 33 44 55

Death of Insured

33

Rs.1,000 paid in to the policy every month till the end of the premium payment term

Maturity benefit paid to the nominee upon maturity

Rs.1,000 paid to the Nominee every month till the end of the premium payment term


Adding more to your kitty 2

Guaranteed Maturity Bonus*Guaranteed Maturity Bonus*

of Regular Fund Value for policy term of up to 10 years

of Regular Fund Value for policy term greater than 10 years

* Subject to all premium being paid and WoP not being triggered throughout the premium payment term.


Be a SMART Investor3

Afraid of

Market Volatility

SystematicMoneyAllocation RegularTransfer*#&

* Manual fund switching option for the target and accumulation fund would not be available during the period when the SMART option is active. Fund switches on other available funds will be allowed, subject to relevant charges. Super

110% Capital Guarantee fund can not be chosen under SMART option . SMART is not available when policy is in premium discontinuance mode or when the policy is in ”Investment only” status.

# Investments are subject to market risks.


Additional Risk cover, Additional Security4

Additional Risk Cover (Optional)Additional Risk Cover (Optional)

Tata AIG Life Critical Illness Lumpsum

Benefit Rider

Tata AIG Life Accidental Death

Benefit*

Tata AIG Life Accidental Death

& Dismemberment

Benefit (Long Scale)*

*ADB & ADDB cannot be taken together

Tata AIG life Critical Illness (Lumpsum) Benefit Rider – UIN:UIN:110C012V01)Tata AIG Life Accidental Death Benefit (ADB) Rider (UIN:110C003V01) Tata AIG Life Accidental Death & Dismemberment Rider (Long Scale) (ADDL) Rider (UIN: 110C004V01)


8 Fund Options

Top – 50 FundTop – 50 Fund

Top – 200 FundTop – 200 Fund

Aggressive Flexi FundAggressive Flexi Fund

Stable Flexi FundStable Flexi Fund

Bond FundBond Fund

Super 110% Capital Guarantee FundSuper 110% Capital Guarantee Fund

Super Select Equity FundSuper Select Equity Fund

Large Cap Equity FundLarge Cap Equity Fund


AssetAllocation

Super 110% Capital Guarantee Fund – Get More

* Subject to premium remaining within the Super 110% Capital Guarantee Fund throughout the policy term and provided all premiums have been paid under the policy.

# Available with premium paying term greater than or equal to 20 years

Govt/ Corporate Bonds – Up to 100%

Money Market Instruments – Up to 100%

Equities – Up to 15%

Fund Value of the Super 110% Capital Guarantee Fund

Guaranteed Maturity Bonus**

110% of Total Premiums paid in to the Super 110% Capital Guarantee Fund *#

Higher of

PLUS

* *Subject to all premium being paid and WoP not being triggered throughout the premium payment term.


A great Investment Strategy

Systematic market investments have historically been beneficial.

SMART*- Systematic Money Allocation and Regular Transfer Investment Option - Helps you harness the power of rupee cost averaging

After death of the insured, nominee or appointee (in case nominee is minor) can request for SMART

SMART option is available only for policies with the Annual Mode of payment

=

Low Risk Fund** High Risk Fund**

Can help create a large corpus to fulfill your Child’s

dreams!

* Manual fund switching option for the target and accumulation fund would not be available during the period when the SMART option is active. Fund switches on other available funds will be allowed, subject to relevant charges.

** Customer can also choose to switch from high risk to low risk funds

Investments are subject to market risks.


Month Investment Unit Price Units purchased

January Rs.12,000 20 600

February

March

April

May

June

July

August

September

October

November

December

Total Rs.12,000 600

Month Investment Unit Price Units purchased

January Rs.1000 20 50

February Rs.1000 16 62.5

March Rs.1000 21 47.61905

April Rs.1000 17 58.82353

May Rs.1000 16 62.5

June Rs.1000 21 47.61905

July Rs.1000 22 45.45455

August Rs.1000 16 62.5

September Rs.1000 18 55.55556

October Rs.1000 21 47.61905

November Rs.1000 10 100

December Rs.1000 16 62.5

Total Rs.12,000 702.69

How does systematic Investments work?

Timing Approach Timing Approach Time Approach Time Approach


How are the units switched using SMART?

Month 1

Month 2

Month 3

Month 4

Month 5

Month 6

Month 7

Month 8

Month 9

Month 10

Month 11

Month 12

1/12th of Units

1/11th of Units

1/10th of Units

1/9th of Units

1/8th of Units

1/7th of Units

1/6th of Units

1/5th of Units

1/4th of Units

1/3rd of Units

½ of Units

Balance Units

Accumulation Fund

Target Fund

Units will be switched at the beginning of every month in the following way:


Investment Flexibilities

Redirection

1. Allowed for future Premium(s), provided percentage chosen in all the funds

together sums up to 100%.

2. Redirection in Super 110% Capital Guarantee Fund not allowed.

3. Premium Re-direction cannot be exercised after the death of the policyholder.

4. Premium Re-direction is not available if SMART option has been chosen.

Switching

1. 24 Free switches (includes 12 switches under SMART option) allowed in a

policy year. Subsequent switches will be charged at Rs.100 per switch.

2. Switching out of Super 110% Capital Guarantee Fund* is allowed, however

Switching in is not.

3. Fund Switching cannot be exercised after the death of the policyholder.

4. Manual fund Switching is not allowed under SMART Option* Switching out will reduced the guarantee amount proportionately.



Top Up

1. Minimum Top Up premium Rs.5,000.

2. Allowed maximum 4 times a year.

3. Top-Up is NOT allowed in Super 110% Capital Guarantee Fund.

4. Top Ups CANNOT be made after the death of the Insured.

5. Top-Up Premiums can be accepted during disability benefit period. However the

total amount of top-up premium will be restricted to 25% of the total amount of

regular premiums paid till that date.



Partial Withdrawal

1. Allowed from the Regular Premium Account from the 5th year & from the Top-Up

account from the 4th year.

2. Partial Withdrawal can be made up to a maximum of 4 times a year.

3. Minimum amount Rs.5,000 (subject to minimum balance in the Total Fund value (Regular

Fund + Top Up Fund) is such that the Surrender value does not falls below an amount equivalent

to one years Annual Premium)

4. Any withdrawal from Super 110% Capital Guarantee Fund, will reduce the

guaranteed amount proportionately.

5. Policyholder can make partial withdrawals during disability benefit period subject

to partial withdrawal rules.

6. Partial withdrawal is NOT allowed after death of the insured.



Policy will lapse and the insurance cover under the policy will cease.

The Total Fund Value ceases to be invested at the end of grace period

and will be kept aside by the Company.

The policy can be revived anytime during the revival period of 2 years*.

If not revived during this period, the policy will be terminated & the total

Fund value net of applicable surrender charges, if any shall be paid at

the end of 3rd year or at the end of revival period whichever is later.

During this period all applicable charges (except mortality charge,

waiver of premium charge and fund management charge) will get

deducted from the fund

Premium Discontinuance before 3 years

* Subject to satisfying revival conditions



If a customer is unable to pay the premium after paying 3 consecutive premiums, the

policy will be maintained inforce for 2 years.

This period can be continued subject to written request from policyholder and

approval from Tata AIG Life.

During this period, all the applicable charges (except mortality charge, waiver of

premium charge and fund management charge) will be deducted from the Fund until

the earlier of:

• The Surrender Value falls below an amount equivalent to one Annual Regular

Premium, or

• Unless we receive a written request from the policyholder to extend the

discontinuance period.

The Policy will be terminated upon occurrence of condition 1 or 2 and Total Fund

Value subject to deduction of surrender charge, will be paid.

Premium Discontinuance after 3 years

* Subject to satisfying revival conditions


Benefits

In-Built Waiver of premium benefit is activated and future premiums waived off, based on the Waiver of Premium option chosen .Sum assured is paid to the nominee.The benefits of the policy will continue till the end of the policy termAny optional rider cover will terminate immediately.

In case of Total Permanent Disability, the In-Built Waiver of premium benefit is activated and future premiums waived off, based on the Waiver of Premium option chosen.If the policy holder survives till the end of the policy term, he/she will get the fund value.Any riders if opted for, will terminate immediately. However, the riders can be reinstated, provided the WoP benefit is stopped (i.e. the policyholder is no longer disabled).

Death Benefit*#

* Benefit paid till such time the insured remains disabled up to premium paying term.

Disability Benefit*#

Family Guard: 100% of Future premiums paid in to policy, as if the policy is on Monthly mode, up to premium paying term.OR

Family Advantage: 50% of future premiums paid in to policy as if the policy is on Monthly mode and 50% to the nominee up to premium paying term, as if the Policy is on Monthly mode

# All charges except Mortality charge & waiver of Premium charge will be deducted as due

* Sum Assured will not reduce due to Partial Withdrawal

# All charges except waiver of Premium charge will be deducted as due – under disability Benefit


Benefit

Maturity Benefit

Regular Premium Account Value +

Top-Up Account Value +

Guaranteed Maturity Bonus*

Regular Premium Account Value +

Top-Up Account Value +

Guaranteed Maturity Bonus*

INCASE OF SUPER 100% CAPITAL GUARANTEE FUND

HIGHER OF (a) Value of Super 110% Capital Guarantee Fund or (b) 110% of Total premium received towards Super

110% Capital Guarantee Fund**PLUS

Guaranteed Maturity Bonus

INCASE OF SUPER 100% CAPITAL GUARANTEE FUND

HIGHER OF (a) Value of Super 110% Capital Guarantee Fund or (b) 110% of Total premium received towards Super

110% Capital Guarantee Fund**PLUS

Guaranteed Maturity Bonus

* Subject to all premiums paid and WoP benefit not being triggered anytime during the premium paying term** provided premium remains within the Super 110% Capital Guarantee Fund throughout the Policy term

1. Option to receive Maturity benefit either in Lumpsum or in form of periodical payments over a certain period of time (Settlement Period)*.

2. Frequency of the payments shall be chosen by the policy holder at the time of exercising the option.

3. No life cover will be provided during the Settlement period. In event of death, the total Fund Value will be paid to the Nominee.

4. Capital Guarantee will not apply on the Super 110% Capital Guarantee Fund during settlement period

* Not exceeding 5 years from the date of maturity


Benefit

Surrender within 3 years

Upon surrender total fund value net of surrender charges (surrender value) will be frozen as on date of surrender.

Surrender Value will be paid at the end of three policy years.

In case of Super 110% Capital Guarantee Fund, guarantee will not be applicable on surrender.

Surrender after 3 years

Surrender Value is Regular Premium Account Value less applicable Surrender Charges, if any Plus Top-Up Account Value (There is no surrender charge for Top up Account)

The entire policy terminates upon full withdrawal.

In case of Super 110% Capital Guarantee Fund, guarantee will not be applicable on surrender.

Surrender


Charges

Surrender Charge

Policy Year Percentage of Regular Fund Value

1 100%

2 75%

3 50%

4 25%

5+ 0%

Charge towards Guarantee for Super 110% Capital Guarantee Fund

Fund Management Charge (p.a.)*

Top-50 Fund

1.20%

Top-200 Fund

Aggressive Flexi

Stable Flexi

Bond Fund

Select Equity Fund

Super 110% Capital Guarantee Fund$

•All Fund Management Charges are subject to revision by Company with prior approval of IRDA but shall not exceed 1.35% per annum of the Fund value .

$ Super 110% Capital Guarantee Fund is available only for the policies with premium paying term greater than or equal to 20 years & for issue age less than or equal to 45 years at issue & for a sum assured less than or equal to 20 times of Annualized premium

1.05% p.a. of the Super 110% Capital Guarantee Fund Value. This charge for Super 110% Capital Guarantee Fund will be deducted by cancelling Units at the Unit Price, from the Regular Premium Fund Value of Super 110% Capital Guarantee Fund. This will be deducted on monthly basis, at the rate of 1/12 of the above mentioned annual rate.


Charges

Fund Switching Charge

Rs.100 per switch after utilizing 24 free switches (includes 12 switches under SMART option) per policy year.*

Top-Up Charge

1.5% of Single Top-Up premium

* This may be revised up to a maximum of Rs.250

Admin Fees (per month) 20,000 – 34,999 p.a. 35,000 – 64,999 p.a. 65000 p.a. & Above

All Year (In Rs.) 75 100 150

Additional First Year (In Rs.) 0 150 150

* May be increased up to maximum of 5% p.a.

Policy Administration Charge (Monthly)*

Mortality / WoP Charge

1. Mortality/COI charges for Death Benefit will be deducted monthly in advance from fund and will be based on 100% of Indian Assured Lives Mortality (1994-96) (Modified) Ultimate

2. Morbidity/COI charges for WOP will be deducted monthly in advance from fund and will be based on 100% of Indian Assured Lives Mortality (1994-96) (Modified) Ultimate and 150% of CIBT 93 (TPD) benefit.


Charges

Premium Allocation Charge

Premium Paying Term (in Years) 5 10 - 14 15 - 19 20 - 25 5,10 - 25

Premium Band/Premium Year 1 - 2 3 - 5 6+

20,000-24,999 NA 13.0% 22.0% 26.0% 3.0% 1.0%

25,000*-4,99,999 8% 12.0% 21.0% 25.0% 3.0% 1.0%

50,00,000-9,99,999 6% 10.0% 18.0% 21.0% 3.0% 1.0%

10,00,000-19,99,999 4% 8.0% 16.0% 19.0% 3.0% 1.0%

20,00,000-99,99,999 4% 8.0% 16.0% 19.0% 1.5% 1.0%

1,00,00,000 + 4% 8.0% 16.0% 19.0% 1.5% 1.0%

* 48,000 for Premium paying term 5 years


Underwriting Guidelines

This is a fully underwritten product with medicals including random and financials applicable.

Documentation required as per Anti Money Laundering Guidelines applicable.


Product Snapshot

Minimum Maximum

Issue Age 18 years 55 years

45 years for Super 110% Capital Guarantee Fund

Maximum Age at Maturity 65 years

Policy term 10 years

20 years for Super 110% Capital Guarantee Fund

25 years

Premium Premium Paying Term

Mode 5 10 – 25

Annual 48,000 20,000

Semi – Annual 24,000 12,000

Quarterly 12,000 6,000

Monthly 4000 2,000

Premium payment term 5 years or any term between 10 years to 25 years

20 years to 25 years for Super 110% Capital Guarantee Fund

Sum Assured 5 X Annualized premium Policy term X Annualized premium

20 X Annualized premium for Super 110% Capital Guarantee Fund

Premium paying mode Annual/Semi-Annual/Quarterly/Monthly

Additional Risk Cover* Tata AIG Life Critical Illness Lumpsum Benefit Rider (UIN - 110C012V01)

Tata AIG Life Accidental Death Benefit Rider (UIN: 110C003V01) OR Tata AIG Life Accidental Death & Dismemberment Benefit (Long Scale) Rider (UIN: 110C004V01)

* Any additional cover opted for will terminate immediately, once the in-built Waiver of Premium benefit is activated


Feature, How it works and Benefits

F H B

Inbuilt Waiver of Premium benefit

This benefit gets activated immediately after the death or Total permanent disability of the insured. All the future premiums are waived off and the policy continues till the end of the policy term.

Customer can choose from the following 2 options:

Family Guard: 100% of Future premiums paid in to policy, as if the policy is on Monthly mode, up to premium paying term.

Family Advantage: 50% of future premiums paid in to policy as if the policy is on Monthly mode and 50% to the nominee up to premium paying term, as if the Policy is on Monthly mode

Your policy continues and your nominee continues to get the benefits of the policy.

You child’s dream is protected and gets that extra push to turn it in to reality

8 funds to select from:

1. Top-50 Fund

2. Top-200 Fund

3. Aggressive Flexi Fund

4. Stable Flexi Fund

5. Bond Fund

6. Large Cap Equity Fund

7. Super Select Equity Fund

8. Super 110% Capital Guarantee Fund

Customer can choose the fund or combination of funds according to his risk appetite.

Expert fund management by our Investment team to help you invest in different asset classes.

You can switch between various funds to take advantage of the ups and downs of the market.

Get higher of Value of Super 110% Capital Guarantee Fund, 110% of Total Premiums towards the Super 110% Capital Guarantee Fund** + Guaranteed Maturity Bonus

** Provided the premium remains within the Super 110% Capital Guarantee Fund throughout the term of the policy and provided all the premiums have been paid under the policy

Your principal is protected and 10% (Simple rate) additional is guaranteed

SMART A percentage of the fund value is automatically transferred from a low risk fund to a high risk fund or Vice versa

Helps you get more with the same investment.


Feature, How it works and Benefits

F H B

Top up option. Gives the flexibility to Invest additional money in the plan over and above the regular premiums.

Allows the customer to increase coverage by taking additional sum assured for top-up.

You can invest more money to give your fund value a better chance to grow faster.

You can put windfall gains to good use to create an asset for your loved ones.

Increase/decrease in sum assured

Option to increase or decrease the Initial/Basic sum assured by changing the premium multiple (Subject to underwriting and max/min limit set by the company)

Flexibility to choose between savings & protection.

No need of buying a new policy or canceling the existing policy. You can now increase the sum assured in the same policy.

Decrease in Basic Sum assured, will decrease the mortality charges, thereby giving more allocation to investment

Premium Discontinuance option

Gives the customer the option to temporarily stop paying premiums if he is unable to do so.

If you are temporarily unable to pay premiums, you can put the policy on a premium Discontinuance after payment of

atleast three complete years premium .

Your policy does not terminates. You can continue to create a corpus for your loved ones.

You can continue premium payments after the premium Discontinuance to grow your fund value.

Guaranteed Maturity Bonus Receive Guaranteed Maturity bonus upon maturity*.

Maturity bonus is 2% of Regular Fund Value for policy term up to 10 years & 4% of Regular Fund Value for policy term greater than 10 years

Adds extra to your kitty to help secure yours child’s future.

*subject to all premiums being paid and the WoP benefit not being triggered throughout the premium payment term)


I want all his dreams to come true

I want him to get the best in life

I want him to be Successful

Tata AIG Life InvestAssure Superstar

A Super Plan to help your kid, reach for the Stars


Identification of prospects

Lets identify prospects for this plan.

Make a list with their names and phone numbers.

Which benefits will you use to pitch the plan to them?


Disclaimers

Please read the product brochure for detailed terms and conditions before concluding a sale. This material belongs to Tata AIG Life Insurance Company Ltd. Any unauthorized use, reprint or circulation is prohibited. Tax benefits are as per the Income tax Act, 1961 and are subject to modifications made thereto from time to timeTata AIG Life Insurance Company Ltd. (Reg. No. 110), Peninsula Towers, 6th floor, Peninsula Corporate Park, Ganpatrao Kadam Marg, Lower Parel, Mumbai 400013Insurance is the subject matter of the solicitationRiders are not mandatory and are available for a nominal extra costService tax is applicable as per governing laws and the same shall be borne by the policyholder. Tata AIG Life Insurance Company Limited reserves the right to recover from the Policyholder, any levies and duties (including service tax), as imposed by the government from time to time.Kindly refer to the Sales Illustration for the exact premium rates.Section 45 of the Insurance Act 1938- No policy of life insurance effected before commencement of this Act shall after expiry of two years from the date of commencement of the Insurance Act and no policy of life insurance after coming into force of the Act, shall after expiry of two years from the date on which it was effected, be called in question by an insurer on the ground that a statement made in the proposal (application) for insurance and any report of a medical officer or referee, or friend of the life insured, or in any document leading to the issue of the policy , was in accurate or false, unless the insurer shows that such statement was on a material matter or suppressed facts, which it was material to disclose and that it was fraudulently made by the policyholder and the policyholder knew at the time of making that the statement was false or that it suppressed facts that it was material to disclose. Provided that nothing in this section shall prevent the insurer from calling for proof of age at any time if he is entitled to do so, and no policy shall be deemed to be called in question merely because the terms of policy are adjusted on subsequent proof that the age of the life assured was incorrectly stated in the proposal.Section 41 of the Insurance Act, 1938- Prohibition of Rebates: No person shall allow or offer to allow, either directly or indirectly as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing a policy accept any rebate as may be allowed in accordance with the published prospectus or tables of the insurer. Any person making default in complying with the provisions of this section shall be punishable with fine which may extend to five hundred rupees.ULIPS products are different from traditional Life Insurance products and are subject to risk factors.Premium paid in ULIPS are subject to Investment risks associated with capital Markets & the NAV of the units may go up or down based on the performance of the fund and factors influencing capital markets & the insured is responsible for his decisionInvestments are subject to market risks. Past performance is not indicative of future results (Including sales illustrations and brochures)This product is underwritten by Tata AIG Life Insurance Company Ltd.Tata AIG Life Insurance Company Limited is only the name of insurance company & Tata AIG Life InvestAssure SuperStar is only the name of the ULIP contract and does not in any way indicate the quality of the contracts, its future prospects or returnsThe 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 future prospects and returns. Please know the associated risks and the applicable charges from your Insurance agent or the Intermediary or policy document.IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER.


Thank You!

“i want to become a doctor ”

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