• The linked insurance product do not offer any liquidity during the first five years of the contract. The policy holder will not be able to surrender/withdraw the monies invested in linked insurance products completely or partially till the end of the fifth year   
• ¹On survival to the end of the policy term, the Total Fund Value including Top-Up Premium Fund Value valued at applicable NAV on the date of Maturity will be paid.
• This advertisement is designed for combination of Benefits of two or more individual and separate products named Param Raksha Life Pro solution comprises of Tata AIA Smart Sampoorna Raksha Supreme, A Non-participating, Unit Linked Individual Life Insurance Savings Plan (UIN: 110L179V021) and Tata AIA Vitality Protect Advance, Individual, Non-linked, Non-participating, Health Insurance (UIN:110N178V01). Tata AIA Smart Sampoorna Raksha Supreme is also available individually for sale. These products are also available for sale individually without the combination offered/ suggested. This benefit illustration is the arithmetic combination and chronological listing of combined benefits of individual products. The customer is advised to refer to the detailed sales brochure of respective individual products mentioned herein before concluding the sale.
• ² Refer Tata AIA Vitality Protect Advance brochure for details.
• ³Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfilment 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 for tax implications mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefits available to you. Buying a life Insurance policy/ Tata AIA Vitality Protect Advance is a long-term commitment. Early termination of the policy/benefit option under Tata AIA Vitality Protect Advance usually involves high costs, and the surrender value payable may be less than all the premiums paid.
• Vitality Protect Advance is inbuilt in this solution and are attached at inception if you have purchased this solution. For more details on benefits, premiums and exclusions under Tata AIA Vitality Protect Advance please contact Tata AIA Life's Insurance Advisor/Intermediary/ branch. Life insurance cover is available under the solution. For details on products, associated risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale. The precise terms and condition of this plan are specified in the Policy Contract.
• ⁴Tata AIA Vitality - A Wellness Program that offers you an upfront discount at policy inception. You can also earn premium discount/cover booster (as applicable) for subsequent years on policy anniversary basis your Vitality Status (tracked on Vitality app). Please refer Tata AIA Vitality Protect Advance brochures for additional details on health and wellness benefits.
• Vitality is a trademark licensed to Tata AIA Life by Amplify Health Assets PTE. Limited, a joint venture between Vitality Group International, INC. and AIA Company Limited. The assessment under the wellness program (Tata AIA Vitality) shall not be considered as a medical advice or a substitute to a consultation/treatment by a professional medical practitioner.
• The assessment under the wellness program shall not be considered as a medical advice or a substitute to a consultation/treatment by a professional medical practitioner.
• ⁵On enrolling into the wellness Program, you get an upfront discount of 5% on first year premium for Accidental Death, Accidental Total & Permanent Disability, and of 10% on first year premiums of Term Booster benefit option. The rewards are offered on cumulative basis and in any year, the maximum rewards in view of both the upfront rewards and annual rewards flex together shall be 15% for Accidental Death & Accidental Total & Permanent Disability and 30% for Term Booster benefit option. Discount is driven by accumulated points which is achieved through wellness status. Please refer policy document for more details.
• The solutions are not guaranteed issuance solutions and it will be subject to Company’s underwriting and acceptance.
• Benefits stipulated are available only if all the premiums are paid as per the premium paying term and the policies are in force till the completion of entire policy term opted for.
• 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 all the premium paid.
•  Unit Linked Life Insurance products are different from traditional insurance products and are subject to risk factors. The fund is managed by Tata AIA Life Insurance Company Ltd. (hereinafter the “Company”). Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA Life Insurance Smart Sampoorna Raksha Supreme is only the name of the Unit Linked Life Insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns. 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. Premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. Past performance is not indicative of future performance. Returns are calculated on an absolute basis for a period of less than (or equal to) a year, with reinvestment of dividends (if any). All investments made by the Company are subject to market risks. The Company does not guarantee any assured returns. The investment income and price may go down as well as up depending on several factors influencing the market. Please know the associated risks and the applicable charges, from your Insurance Agent or the Intermediary or Policy Document issued by the Insurance Company. Please make your own independent decision after consulting your financial or other professional advisor. The performance of the managed portfolios and funds is not guaranteed and the value may increase or decrease in accordance with the future experience of the managed portfolios and funds.
• The solution is underwritten by Tata AIA Life Insurance Company Limited.
• All Premiums, Charges, and interest payable under the policy are exclusive of applicable taxes, duties, surcharge, cesses or levies which will be entirely borne/ paid by the Policyholder, in addition to the payment of such Premium, charges or interest. Tata AIA Life shall have the right to claim, deduct, adjust and recover the amount of any applicable tax or imposition, levied by any statutory or administrative body, from the benefits payable under the Policy.
• For more details on benefits, premiums and exclusions under the Tata AIA Vitality Protect Advance, please refer to the Tata AIA Vitality Protect Advance Brochures or contact Tata AIA Life's Insurance Advisor/Intermediary/ Branch.
• Health and Life insurance cover is available under the solution.
• For details on products, associated risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale. The precise terms and condition of this plan are specified in the Policy Contract.

INDUSIND Bank Limited (CA0001) is the Corporate Agent of Tata AIA Life Insurance Company Limited and does not underwrite the risk or act as an insurer. INDUSIND Bank Limited, 2401, Gen Thimmayya Rd. (Cantonment), Pune-411001. 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 the 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.

L&C/Advt/2025/Jan/0024