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 Mohit sharma
itsmohitonly@gmail.com
Contact for software development and web site
development work,projects
Unit Linked Whole Life Insurance Plan
 How InvestAssure Gold works…

Protection for whole life

Coverage till insured turns 100 years of age.

Flexibility to pay premiums

Regular Pay – Till Maturity
Limited Pay – For 5 Years
Top ups

Loyalty Additions
@ 0.25% of units under Regular Premium Account at the
end of every 5 years.
 As a Child Plan
Vijay is a 32 year old businessman. His son Aryan is 6 years
old & wants to be a doctor. He is looking for a plan that
helps him in ensuring that his son’s future does not suffer
due to any financial constraint.

Ans: InvestAssure Gold is the ideal plan for Vijay as it helps

him to make investments for a short term which will grow
over time & be available for Aryan’s Need over the long
term.

He can pay Rs. 1,20,000 annually (10,000 per month) for 5

years to secure Aryan’s future & provide him with an
investment that can be used by him to fulfill his needs.

Here is an illustration…
 As a Child Plan
Age 30
Rs. 33 Lakhs
Age 25
Aryan can make partial withdrawals for Rs. 21.6 Lakhs
his financial needs after he turns 18
Age 21
AgeR1 . 15.46 Lakhs
s8
Vijay Pays
Rs 1,20,000 Rs. 12 Lakhs
for 5 Years
What happens if
he does not withdraw

Life cover
continues
Till Age
Age 6 Invest Assure Age 18 100
Gold

For
For Aryan’s
Aryan’s admission-related
marriage or initial
For
For
Aryan’s
buyingcollege
a Houseexpenses
/ Car
expenses
expenses
for his clinic

Based on 10% rate of return

assumption
Provided there are no withdrawals till
date
As a Child Plan

Fund Value @ 6% @ 10%

Age 18 814512 1204086

Age 21 925188 1546559

Age 25 1097251 2165354

Age 30 1370949 3332947

 As a Child Plan (with Payor
benefit)
Age 30
Rs. 33 Lakhs
Age 25
Aryan can make partial withdrawals for Rs. 21.6 Lakhs
his financial needs after he turns 18
Age 21
AgeR1 . 15.46 Lakhs
s8
Vijay Pays
Rs 121,037 In case of Death of Rs. 12 Lakhs
Annually Applicant during
premium paying
term And if he does not withdraw
Balance Premiums will
be paid by Tata AIG Life
Life cover
continues
Till Age
Age 6 Invest Assure Gold Age 18
100
with PB Rider

For
For his
his Admission
marriage orrelated
initial
For
For buying
his college
a House
expenses
/ Car
expensesexpenses
for his clinic

Based on 10% rate of return

assumption
Provided there are no withdrawals till
date
As a Child Plan

Fund Value @ 6% @ 10%

Age 18 814512 1204086

Age 21 925188 1546559

Age 25 1097251 2165354

Age 30 1370949 3332947

 As a Retirement Plan (Regular
Pay)
 Amit is a 28 year old Marketing manager working with a
large multinational bank. He wants to start saving money to
secure a comfortable retired life after 60.

Ans: InvestAssure Gold is the ideal plan for him as he can

continue paying premiums as long as he can afford it. After
that, he can choose to opt for the premium holiday or go for
further top-ups based on his future cash situation. He can
pay Rs. 60,000 annually (or 5,000 per month) as regular
premium with a Sum Assured of Rs. 12.6 Lakhs.

He can choose to withdraw the entire amount at 60 for

investment in annuities or make partial withdrawals (need
based) & continue with life cover till age 100.
 As a Retirement Plan (Regular
Pay)

Age 65
s
Investment Rs. 1.63 Crore
Value Age 60
s
Rs. 1.02 Crore
Amit will pay Rs. 60,000 He would have a sizeable
Age 55
Every year till maturity investment by retirement
Rs. 63 Lakhs
Which can be withdrawn
partially or fully

Life cover
continues
Till Age
Age 28 Age 60 100
Invest Assure
Gold For his needs
For Financial support if he
For purchasing
For a lateran
retirement
annuity at 60
starts family at a later age

Based on 10% rate of return assumption

Provided there are no withdrawals till date
 As a Retirement Plan (Regular
Pay)
Assuming that Amit retires at age 60, his Fund Value would be:

Fund Value @ 6% @ 10%

At Age 60 46,09,712 1,02,81,476

 Accumulated funds can be used to purchase an annuity (pension plan) which will
provide an income in his golden years.
 As a Legacy Plan
 Sunil is a 40 year old businessman. He wants a legacy plan
that helps him leave behind a huge Lumpsum for his family.

Ans: InvestAssure Gold is the ideal plan for him as he can pay
premiums for a limited term of 5 years. After that, he can
choose to go for further top-ups based on his future cash
situation. He can pay Rs. 2,400,000 annually (or 20,000 per
month) as regular premium with a Sum Assured of Rs. 36
Lakhs.

His nominee will receive the Sum Assured or Fund Value

whichever is higher.
 As a Legacy Plan
Age 70
s
Rs. 1.15 Crore

Age 65
Investment
Rs. 74.8 Lakhs
Value
Age 60
Sunil can pay Rs. 48 Lakhs
Rs. 2,40,000 Age 55 He would leave a sizeable
for 5 years Rs. 31 Lakhs amount for his family

Life cover
continues
Till Age
Age 40 100
Invest Assure Age 70
Gold

Based on 10% rate of return assumption

Provided there are no withdrawals till date
As a Legacy Plan

Fund Value @ 6% @ 10%

Age 55 1830858 3122068

Age 60 2236540 4829233

Age 65 2747919 7482785

Age 70 3437285 11596689

 As a Retirement Plan (Limited
pay)
 Akash Khanna is a 40 year old Doctor. He earns a sizeable income & wants
to save money in order to secure his lifestyle in his golden years. He does
not want a plan with a long term commitment due to the cyclical nature of
business.

Ans: He can go for InvestAssure Gold with limited pay option for 5 Years. He
can also make further top-ups based on his erratic cash inflows & windfalls
that would also enable him to have a higher Sum Assured. He can pay Rs.
2,40,000 annually (20,000 per month) with a sum assured of Rs. 36 Lakhs.

He can choose to withdraw the entire amount at 65 for investment in annuities

or make partial withdrawals (need based) & continue with life cover till age
100. Here is an illustration…
 As a Retirement Plan (Limited
pay)

Investment Age 65
Value Rs. 74.8 Lakhs
Age 60
Akash can pay
Rs. 2,40,000 Rs. 48 Lakhs
Age 55 He will have a sizeable
for 5 years investment by retirement
Rs. 31 Lakhs
Which can be withdrawn
partially or fully

Life cover
continues
Till Age
Age 40 Invest Assure Age 65 100

Gold For his needs

AsFor
a doctor
unexpected
he wouldneeds
normally
like
For purchasing an annuity at 60
suddenly
retire
getting
at this
dependents
age

Based on 10% rate of return assumption

Provided there are no partial withdrawals till
date
 As a Retirement Plan (Limited
Pay)

Assuming that Akash retires at age 65, his Fund Value would be:

Fund Value @ 6% @ 10%

At Age 65 27,47,919 74,82,785

 Accumulated funds can be used to purchase an annuity (pension

plan) which will provide an income in his golden years.
 Basic Plan Features

InvestAssure Gold is a long term investment + protection plan.

Minimum Premium – Rs. 50,000
Choice of paying premiums for 5 years or till maturity
Issue age is 30 days – 70 Years
Maximum Age at Maturity is 100 Yrs.
Flexibility to Choose Sum Assured or Premium Amount.
Sum Assured Premium Multiple: The minimum sum assured is Maximum of
5 times the annual premium or
(70 – age at entry) x 0.5 x Annual Premium.
Life cover continues till age 100
Loyalty units @ 0.25% of units under Regular Premium Account at the end
of every 5 years.
Maximum Sum Assured multiple – 60 Times Annual Premium
 Basic Plan Features

5 fund options – WL Midcap Equity Fund, WL Aggressive Growth fund, WL

Stable Growth Fund, WL Income Fund, WL Short Term Fixed Income Fund.
Riders - ADB, ADDL, CI & PB
Top ups available with option of additional Sum Assured
Minimum Top up amount – Rs. 25,000
Option to choose premium holiday in case you want to discontinue paying
premiums.
Upon Maturity, he can opt for a Settlement option where he can withdraw the
maturity amount in periodic payments over a period of upto 5 years.
Customer has a free look period of 15 days where he can return the policy
within a period of 15 days from the date of receipt if he is not satisfied
Partial Withdrawal / Surrender is allowed after 3 policy Years (subject to
charges)
Surrender value paid will be :
(Regular Fund Value - Surrender Charges) + (Top Up Fund Value - Surrender
Charges)
 Premium Holiday
If policy holder does not pay his premium
after paying premium for 3 consecutive Policy will go on premium holiday
years.

Maximum Period for revival 2 years from date of first unpaid premium

The cover and the premium holiday can be

Once the revival period expires continued at the request of the
policyholder, provided the surrender value
does not go below one annual premium.

Automatic termination of policy by payment

Once the surrender value goes below one of surrender value after deducting relevant
annual premium charges

During the premium holiday, premium holiday charge, monthly administration charge and mortality charge will be
deducted from the fund.

Premium Holiday (PH) charge- 4% of regular premium.

The PH Charge will be applied till the Premium Paying Term or till the 5th Policy anniversary, whichever is earlier.
 Disclaimers
This material belongs to Tata AIG Life Insurance Company Ltd. Any unauthorized use, reprint or
circulation is prohibited.
This product is underwritten by Tata AIG Life Insurance Company Ltd.
Tax benefits are as per the Income Tax Act, 1938 and are subject to amendments made therein
from time to time.
Investments are subject to market risks.
Riders are available at a nominal extra cost.
Past performance is not indicative of future results
The rates of 6% and 10% have been decided by the Life Insurance Council

^ Service tax is payable on life insurance premium as per section 65(105)(zx) of Finance Bill
(No.2), 2004 at the applicable rates as per circular number 80/10/2004-S.T. dated September 17,
2004 issued by the Government of India, Ministry of Finance and subsequent directions issued by
the authorities from time to time. The service tax component payable by the policyholder at
applicable rates will be stated in the premium notice and the premium receipt for the information
of the policyholder. The company reserves the right to recover from the Policyholder any related
insurance levies and duties as imposed by the government, by premium adjustment or other
forms, as we deem appropriate .For Basic policy, service tax is levied on mortality charge and will
be deducted through unit cancellation from the relevant funds. Extra amount is payable for service
tax on rider premium.

Tata AIG Life Insurance Company Ltd. (Reg. No. 110), Regd Off: Peninsula Towers, 6th floor,
Peninsula Corporate Park, Ganpatrao Kadam Marg, Lower Parel, Mumbai 400013

Insurance is the subject matter of the solicitation

 Thank You
Mohit sharma
itsmohitonly@gmail.com
Contact for software development and
web site development work,projects