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A guaranteed return insurance plan is a life insurance that offers financial coverage and assured returns. In this plan, premiums ... Read more are paid by the policyholders for a specified period. In exchange, the insurer provides a fixed payout either at maturity or to the nominee if the policyholder passes away during the term. This type of insurance plan offers # tax-free maturity, life insurance, and fixed premiums for predetermined durations. Read less
Pay only ₹11,535/month 1 for 10 years, Get ₹24 Lakh+ Guaranteed 2 Tax 7 Free Returns total maturity benefit
Get guaranteed* income
Save Tax up to ₹46,800*
Life cover for family's security
In this poicy, the investment risk in investment portfolio is borne by the policyholder.
1 Premium illustration for a 21-year-old healthy male with a 10 -year premium paying term, a 15-year policy term, and monthly payments under the Endowment plan option, receiving a lump sum at age 36 years. Total Guaranteed benefit ₹24,82,909. 2 T&C Apply.
Make Your Dreams a Reality with Guaranteed* Returns
Vishal Kapoor, AVP - Brand & Product Marketing at Tata AIA, has over 17 years of experience in the BFSI sector. He is responsible for driving brand strategy, product & channel marketing campaigns.
Girish J Kalra, Chief Marketing Officer at Tata AIA, leading the organizations marketing & corporate communication initiatives..
Add Riders 6 To increase plan coverage
A guaranteed return plan is a form of a savings plan with life insurance coverage that enables you to save a fixed amount of money regularly and over the long term. The saved financial corpus offers a guaranteed return to help you fulfil your future needs and goals. When receiving the payout from the guaranteed return insurance plan, you can choose from three different options as per your needs – lump sum (endowment), regular income, and whole life income.
To save with a guaranteed return insurance plan, you can choose how to pay your premiums —monthly, quarterly, half-yearly, annually, or as a one-time Single Pay option. Alongside your other investments, having a savings plan with assured benefits not only offers a guaranteed return after a fixed tenure but also offers continued life insurance coverage to your family – all under the same policy!
A guaranteed return plan helps you adopt a disciplined approach to savings via premium payments as per the frequency of your choice over a fixed policy tenure. The plan offers low-risk returns that can be used to fulfil a variety of financial goals and objectives in the future while protecting your family under life insurance cover. Here is a brief on how a guaranteed return insurance plan works:
Get guaranteed 2 income to fulfil your life goals such as securing children's education, buying a house or accumulating a corpus for early retirement. 2 T&C Apply
Flexibility to receive Guaranteed Lumpsum amount, Regular Income or Whole Life Income based on your needs/goals.
Protect your family with secure life insurance cover under any of our plan options from the day one of policy issuance.
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.
Get income tax 7 benefits as per applicable income tax laws and save tax.
Flexibility to cover your spouse in the same policy under Whole Life Income Option.
You can pay your premium amount in Single /Annual/ Half-yearly / Quarterly/ Monthly mode of payment.
Enhance your protection with our optional Riders 6 that protect you from events such as Hospitalisation and Critical Illnesses like Cancer, Heart conditions, accidental disability etc.
Minimum Premium Amount
Maximum Premium Amount
No Limit, Subject to Underwriting
Premium Payment Frequency
Annually, Half Yearly, Quarterly and Monthly modes
Get Lump sum on Maturity
Get Regular Income as per the plan option
Get Income Plus Return of Premium to Nominee on death of Life Assured(s) after the Policy Term
Lump Sum Maturity Benefit
Yes! Guaranteed Maturity Benefit (GMB) will be paid at the end of policy term
Guaranteed Additions 4 to Boost Corpus
Yes! Till 116 years of your age
Cover your Spouse with Joint Life Option
Optional Riders ^ to Provide Comprehensive Protection
Insurance Protection from Day One
Increasing Life Cover during Policy Term
Option to Enrol in Tata AIA Vitality Wellness Program 8
Income Tax 7 Benefits
For additional details, please refer to the plan brochure.
Financial markets are volatile by nature, which can have a negative effect on your investments. So, it is preferable to diversify your investment portfolio with a guaranteed return plan. As guaranteed return plans are low risk, they are not affected by market movements. Thus, you can expect stable returns from it. Although the returns may be low compared to other high-risk investments, there is no risk of losing your money or leaving your family in a difficult financial situation.
The following individuals can buy guaranteed return plans:
Through fixed premium payments, these plans help salaried professionals save regularly. Predictable returns allow them to plan for long-term goals, such as buying a house, funding children's education, or saving for an emergency.
Entrepreneurs can grow wealth through guaranteed return plans while balancing business risks. By providing financial security, assured returns can help businesses plan and save for the future.
Early savings habits can benefit those starting their careers. Over time, even small, regular contributions can accumulate substantially, helping you achieve financial stability.
These plans are suited to people who are nearing retirement and are looking for a low-risk investment option . By ensuring capital protection and steady growth, these investments can provide income after retirement or help cover post-retirement expenses.
Individuals seeking financial assurance and long-term security can benefit from guaranteed return plans because they combine assured savings and life insurance protection.
To buy the guaranteed return plan, you need to meet the following criteria:
Age Requirement: Available to individuals aged 18 to 60 years.
Policy Term: Policyholders can choose a term ranging from 5 to 30 years.
Nationality: Indian residents, and in some cases NRIs and PIOs (Persons of Indian Origin), are eligible. Specific eligibility may vary by provider.
Income: Some plans may require proof of sufficient income to ensure the policyholder can pay premiums consistently.
Documentation: Applicants need to provide standard documents for identity, address, and age verification.
Your investment goals should align with guaranteed return plans. Take into account what stage of life you're in and what you're saving for, such as retirement, providing for your child, or creating a second income stream.
Guaranteed return plans are long-term investments, with policy terms typically ranging from five to thirty years. Investing in guaranteed return plans is an option if you want an income stream that works over the long term. Moreover, these plans provide a secure investment option for short-term savings by offering a fixed rate of return.
The aim of life cover, or life insurance, is to provide a sum of money for your loved ones upon your passing. Life insurance acts as financial security for your family in case of your premature demise.
It is essential to plan for your retirement once you start working. For retirement planning , this plan can be considered since it offers a stable income stream.
Tata AIA Guaranteed Return Insurance Plan offers these three plan options:
Option I – Endowment Option: Choose this plan if you want to pay regular premium amount and receive a guaranteed * lump sum amount on maturity.
Option II - Regular Income: Choose this plan option if you want to receive a Guaranteed Annual Income with Income Booster $ for a fixed period of time with the flexibility to choose premium payment term and policy term.
Option III - Whole Life Income: Choose this plan option if you want to receive a Guaranteed* Annual Income along with Income Booster $ for whole life up to 116 years of your age. This plan option ensures that you have a regular stream of income during your retirement years.
Choose the guaranteed* maturity amount based on your life goals.
Select the suitable premium payment and policy term as per your convenience.
You can now make the premium payment for your Tata AIA Life Insurance Guaranteed Return Insurance plan, depending on the plan option and policy term of your choice. If you have purchased the policy online, you can make an online payment and check out by choosing any of the digital payment channels on our official website.
A savings plan in a life insurance policy offers a combination of savings to fulfil your life goals and life insurance coverage to secure your family from unforeseen circumstances.
A savings plan provides you with insurance cover along with systematic savings. This plan helps you to build your savings to achieve your long-term financial goals and secure your family’s future financial needs.
A guaranteed return income plan is a type of savings plan that offers a guaranteed return on the investment made for a fixed period of time. Since the returns are not marked linked, you know the amount you will receive on policy maturity.
The amount of income an investor can expect to receive from a Guaranteed Return Income Plan depends on several factors, including the amount invested, the length of the investment term, and the guaranteed rate of return offered by the insurance company.
A guaranteed return income plan is a good investment option to fulfil your life goals. The returns suit investors who are looking for stability and guaranteed returns over market linked returns. Deciding whether the Guaranteed return income plan is a good investment choice or not depends on the individual investor’s life goals, and investment strategy.
Riders^ are additional provisions that you can add to your basic insurance policy to enhance the protection and the benefits you receive. They offer coverage against hospitalisation expenses, critical Illnesses like cancer, heart conditions, death, disability due to an accident, etc.
The claim settlement ratio is referred to as the number of claims that have been settled by an insurance company. It is the ratio of the number of claims settled by an insurer to the number of claims filed in a given period.
When the premiums for one full year have not been paid within the grace period, the policy will lapse from the due date of the first unpaid premium, and no benefits will be payable to the policyholder.
The Tata AIA Guaranteed Returns Insurance Plan offers the following three plan options:
Yes. You can avail income tax # deductions as per applicable income tax laws and save tax up to Rs 46,800**.
Yes, Tata AIA Life Insurance Guaranteed Returns Insurance Plan offers loan facility. Once the policy acquires a surrender value, you may apply for a policy loan for an amount that does not exceed 80% of the surrender value.
When you purchase the Tata AIA Life Insurance Guaranteed Returns Insurance Plan, the minimum premium amount to be paid is ₹24,000 per annum.
You can choose from the following premium payment frequencies depending on the plan option chosen
You can add one or more of the available rider ^ options available with the policy when you purchase the policy. The following riders ^ are available with this plan.
Yes, with the Whole Life Income plan option of the Tata AIA Guaranteed Return Insurance Plan, you can choose a Joint Life Policy and get coverage for your spouse under the same plan.
With the Regular Income option, guaranteed annual payouts begin after policy maturity and continue for a fixed period based on the policy term. Under the Whole Life Income option, payouts start after maturity and continue until the insured’s death (Single Life) or the second death (Joint Life).
The duly filled and signed claim form, proof of identity and address (Aadhaar, PAN, etc.) along with the bank details are required for claim settlement. Please click here to know the list of documents needed for the claim intimation and settlement process.
To raise a claim, you can choose any of the following channels to reach out to us.
Email us at: [email protected]
Call our helpline number - 1860-266-9966 (local charges apply)
Walk into any of the Tata AIA Life Insurance Company branch offices
Write directly to us at:
The Claims Department,
Tata AIA Life Insurance Company Limited
15th Floor, Centaurus,
Hiranandani Business Part,
Hiranandani Estate, Thane West,
Maharashtra, Pin code - 400607
Nominees outside of India can file the claim online by uploading the attested copies of the documents through email or on our website. To file the claim offline, they can courier their documents to their representative in India, who can visit our office to initiate the process.
No, the claim can be filed at any Tata AIA Life Insurance branch, as per your/the nominee’s convenience. You can locate our office branches and visit the one nearest to you for the claim initiation.
These plans are suitable for individuals seeking low-risk, stable returns and life insurance. Salary earners, entrepreneurs, first-time earners, and retirees looking for predictable growth can benefit from them.
Anyone between the ages of 18 and 60 can invest. Additionally, eligibility may be determined by nationality, income proof, documentation, and medical underwriting requirements.
If you want to meet major financial goals like retirement or education, choose long-term. For near-term needs and liquidity, a short-term option may be better. The choice depends on your financial objectives.
Guaranteed return plans provide fixed, pre-determined returns. These do not change with market fluctuations, ensuring policyholders know their maturity value from the start.
At maturity, the policyholder receives the assured payout, depending on the plan chosen and subject to its term and conditions.
Last updated on 09 Sep 2026
1 Illustrated premium is calculated for a 21-year-old healthy male with a premium paying term of 10 years, policy term of 15 years and premium payment with monthly instalment under Endowment plan option and shall receive the income in the form of lump sum at the age of 36 years. The premium shown is inclusive of taxes and the mentioned benefit is payable only if all premiums are paid as per the premium paying term and the policy is in force till the completion of entire policy term opted. Total guaranteed benefit ₹24,82,909.
2 Guaranteed Annual Income (GAI) in the Regular Income option is a percentage of one Annualised Premium while in the Whole Life Income option is a percentage of the Total Premiums Paid
3 Income Booster is an additional Income benefit payout applicable under a non-single pay option to reward persisting policyholders over and above the Guaranteed Annual Income. Income Booster shall be defined as % of Annualised Premium (excluding discount) and will be based upon the number of premiums paid (in completed years).
4 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 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
5 Tax benefits of up to ₹46,800 u/s Section 123, Schedule XV (erstwhile Section 80C) is calculated at highest tax slab rate of 31.20% (including cess excluding surcharge) on life insurance premium paid of ₹1,50,000 as per old tax regime. Tax benefits under the policy are subject to conditions laid under Section 11 Schedule II, Section 123 Schedule XV, Section 126 (erstwhile Section 80C, 80D,10(10D)), 115BAC and other applicable provisions of the Income Tax Act 2025. The Tax Free income is subject to conditions specified under Section 11, Schedule II (erstwhile section 10(10D)) and other applicable provisions of the Income Tax Act 2025. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on above.
6 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.
7 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. The 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 on tax implications mentioned anywhere on this site. Please consult your own tax consultant to know the tax benefits available to you.
8 On enrolling into the wellness Program, you get an upfront discount of 5% on first year premium for Accidental Death, Accidental Total & Permanent Disability, Accidental Disability Care Benefits and of 10% on first year premium for term booster, CritiCare Plus, Accelerated CritiCare, Multistage CritiCare, Cancer Care, Cardiac Care. 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, Accidental Disability Care and 30% for all other benefit options. Discount is driven by accumulated points which is achieved through wellness status. Please refer policy document for more details.
9 Individual Death Claim Settlement Ratio for FY 2025 -2026 is 99.45% as per the latest annual audited figures
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 company’s underwriting and acceptance.
Insurance cover is available under this product.
For more details on 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.
To know more about the products, features, and eligibility, kindly visit our nearest branch or contact us at +91 22 6984 9300
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.
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/Jun/4077