LIFE INSURANCE POLICIES

Protect what matters most
Protect what matters most

Personal goals evolve as we go through life. That's why Citi and Tata AIA have entered into a corporate agency relationship to offer smarter, hassle-free financial solutions in one conversation, so you can grow and protect what truly matters.

Life Insurance

Life Insurance

Citibank brings to you a wide range of Life Insurance plans which combine investments and Insurance, offering complete coverage for you and your loved ones.

Insurance across your Life Stages

All through your life, significant events will occur at various stages and demand your financial commitment. If you plan in advance for these events, you will quite naturally be prepared when they occur.

Life Insurance assists you to plan for your future so that you are financially equipped to meet your goals while giving you protection benefits. Citi is committed to partner you in your journey of progress, and help you select the appropriate life insurance solution for the life stage you are currently in. To begin planning for important future milestones, you may refer to the Life stages below to help you make the right decisions.

  • Young Professional

    If you're single, and have just begun your career, you might feel that you probably don't have a need for Life Insurance. However, there are several reasons why you should consider it. There may be someone who depends on you financially - such as an aging parent or sibling.

    You may need to take some form of debt like a home loan or personal loan that you wouldn't want to pass on to family members in case of any unfortunate situation. If marriage is on the cards, an increase in responsibilities is likely to bring a host of liabilities on your young shoulders. You may want to be prepared for all such times.

    Currently, the premium you may be required to pay will be at its lowest and as one ages, the premium for the policy is typically higher for similar benefits, hence you can enjoy lower premiums at this stage. See the areas below you should focus on

  • Protection
  • Medium/ long term savings with Life Protection
Protection

Ensure that your loved ones are taken care of should the worst happen.

Different life protection plans let you protect the most important people in your life.

Tata AIA Life Insurance Sampoorna Raksha

Tata AIA Life Insurance Sampoorna Raksha

Sampoorna Raksha is a Non-linked Non-participating Term Assurance Plan that provides financial protection to your family at an affordable price

Tata AIA Life Insurance Sampoorna Raksha+

Tata AIA Life Insurance Sampoorna Raksha+

  1. Sampoorna Raksha+ is a Non-linked Non-Participating "Term Assurance Plan with Return of Premiums" on Maturity Get much more than just pure life cover.
Medium/ long term savings with Life Protection

Financial planning is the key to fulfilling your dreams and aspirations.

The sign of a sound financial plan is the inclusion of adequate life insurance coverage in the plan, with an element of savings built alongside.

Tata AIA Life Insurance Money Maxima

Tata AIA Life Insurance Money Maxima

A Regular Premium Paying Non-Linked Participating Endowment Assurance plan that gives you the liberty to choose your term based on your savings horizon. It offers a host of bonuses and guaranteed benefits which maximizes returns for every rupee invested and provides financial protection to your family. Money maxima also helps meet your retirement and child education needs.

Tata AIA Life Insurance Mahalife Magic

Tata AIA Life Insurance Mahalife Magic

A limited premium paying Non-Linked Participating Endowment Assurance Plan that is a unique saving cum insurance plan in which you pay for a short period and stand to gain by maximizing the growth of your money. It not only provides protection to your family but is a product which helps plan for child education.

Tata AIA Life Insurance Secure 7

Tata AIA Life Insurance Secure 7

A Non-Linked Non-Participating Endowment Assurance Plan that helps you meet tomorrow's requirements by paying premiums for short period and receive guaranteed benefits along with financial security for your family. Secure 7 also helps plan for your child education needs.

Tata AIA Life Insurance Fortune Pro

Tata AIA Life Insurance Fortune Pro

A Non-Participating Unit Linked Endowment Insurance plan that makes your money grow steadily over a period of time. It provides protection to your family and helps meet your retirement and child education needs.

 Tata AIA Life Insurance Wealth Pro

Tata AIA Life Insurance Wealth Pro

A Non-Participating Unit Linked Endowment Insurance plan that helps grow your money into wealth so that your dreams and aspirations never fall short of resources. Wealth Pro provides protection to your family and helps meet your retirement and child education needs.

Tata AIA Life Insurance Fortune Maxima

Tata AIA Life Insurance Fortune Maxima

A Non-Participating Unit Linked Whole of Life plan that allows you to fulfill some critical life needs with a greater degree of efficiency and helps create legacy for your loved ones. It makes your money grow over a period of time to ensure greater protection and wealth creation.

Tata AIA Life Insurance Wealth Maxima

Tata AIA Life Insurance Wealth Maxima

A Non-Participating Unit Linked Whole of Life Insurance plan that allows you to tap into force multipliers of the market to create a lasting legacy for your loved ones. It makes your money grow over a period of time to ensure greater protection and wealth creation.

TATA AIA Life Insurance MahaLife Gold Plus

TATA AIA Life Insurance MahaLife Gold Plus

A Limited Premium Paying, Non-Linked Participating whole of life insurance plan upto age 85 years that lets you afford a better tomorrow through regular income and leave behind a lump sum for the next generation of your family. It not only provides protection to your family but also helps meet your retirement and legacy needs.

Tata AIA Life Insurance Gold Income Plan

Tata AIA Life Insurance Gold Income Plan

This is a non-participating non-linked endowment assurance plan. A limited pay income plan that meets tomorrow's requirements along with protecting your loved ones and dreams as it ensures you of guaranteed returns for the money invested. This plan not only offers Guaranteed Lump Sum benefit on Maturity but also gives Guaranteed Income during the income term that increases every year.

Tata AIA Life Insurance Smart Income Plus

Tata AIA Life Insurance Smart Income Plus

This is a Non-Linked, Non-Participating, Endowment Assurance Plan. A limited pay income plan that meets tomorrow's requirements along with protecting your loved ones and dreams as it ensures you of guaranteed returns for the money invested. Investment in this plan helps you fulfill your medium to long term goals.

  • Just Married

    This new lease of life gives hope to new beginnings such as buying a home, planning a family or maybe even changing careers. Now Life Insurance is even more important because someone else is financially tied to you. First, calculate the amount of coverage you need to replace future lost income and cover any large debts. Then, decide what type of Insurance to buy.

    If both you and your partner earn incomes, each of you may be financially dependent on each other's income to maintain a similar standard of living. If this is the case, you should both have Life Insurance coverage to help the other continue to live the lifestyle you've worked so hard to achieve together.

  • Medium/ long term savings with Life Protection
  • Protection
Protection

Ensure that your loved ones are taken care of should the worst happen.

Different life protection plans let you protect the most important people in your life.

Tata AIA Life Insurance Sampoorna Raksha

Tata AIA Life Insurance Sampoorna Raksha

Sampoorna Raksha is a Non-linked Non-participating Term Assurance Plan that provides financial protection to your family at an affordable price

Tata AIA Life Insurance Sampoorna Raksha+

Tata AIA Life Insurance Sampoorna Raksha+

  1. Sampoorna Raksha+ is a Non-linked Non-Participating "Term Assurance Plan with Return of Premiums" on Maturity Get much more than just pure life cover.
Medium/ long term savings with Life Protection

Financial planning is the key to fulfilling your dreams and aspirations.

The sign of a sound financial plan is the inclusion of adequate life insurance coverage in the plan, with an element of savings built alongside.

Tata AIA Life Insurance Money Maxima

Tata AIA Life Insurance Money Maxima

A Regular Premium Paying Non-Linked Participating Endowment Assurance plan that gives you the liberty to choose your term based on your savings horizon. It offers a host of bonuses and guaranteed benefits which maximizes returns for every rupee invested and provides financial protection to your family. Money maxima also helps meet your retirement and child education needs.

Tata AIA Life Insurance Mahalife Magic

Tata AIA Life Insurance Mahalife Magic

A limited premium paying Non-Linked Participating Endowment Assurance Plan that is a unique saving cum insurance plan in which you pay for a short period and stand to gain by maximizing the growth of your money. It not only provides protection to your family but is a product which helps plan for child education.

Tata AIA Life Insurance Secure 7

Tata AIA Life Insurance Secure 7

A Non-Linked Non-Participating Endowment Assurance Plan that helps you meet tomorrow's requirements by paying premiums for short period and receive guaranteed benefits along with financial security for your family. Secure 7 also helps plan for your child education needs.

Tata AIA Life Insurance Fortune Pro

Tata AIA Life Insurance Fortune Pro

A Non-Participating Unit Linked Endowment Insurance plan that makes your money grow steadily over a period of time. It provides protection to your family and helps meet your retirement and child education needs.

 Tata AIA Life Insurance Wealth Pro

Tata AIA Life Insurance Wealth Pro

A Non-Participating Unit Linked Endowment Insurance plan that helps grow your money into wealth so that your dreams and aspirations never fall short of resources. Wealth Pro provides protection to your family and helps meet your retirement and child education needs.

Tata AIA Life Insurance Fortune Maxima

Tata AIA Life Insurance Fortune Maxima

A Non-Participating Unit Linked Whole of Life plan that allows you to fulfill some critical life needs with a greater degree of efficiency and helps create legacy for your loved ones. It makes your money grow over a period of time to ensure greater protection and wealth creation.

Tata AIA Life Insurance Wealth Maxima

Tata AIA Life Insurance Wealth Maxima

A Non-Participating Unit Linked Whole of Life Insurance plan that allows you to tap into force multipliers of the market to create a lasting legacy for your loved ones. It makes your money grow over a period of time to ensure greater protection and wealth creation.

TATA AIA Life Insurance MahaLife Gold Plus

TATA AIA Life Insurance MahaLife Gold Plus

A Limited Premium Paying, Non-Linked Participating whole of life insurance plan upto age 85 years that lets you afford a better tomorrow through regular income and leave behind a lump sum for the next generation of your family. It not only provides protection to your family but also helps meet your retirement and legacy needs.

Tata AIA Life Insurance Gold Income Plan

Tata AIA Life Insurance Gold Income Plan

This is a non-participating non-linked endowment assurance plan. A limited pay income plan that meets tomorrow's requirements along with protecting your loved ones and dreams as it ensures you of guaranteed returns for the money invested. This plan not only offers Guaranteed Lump Sum benefit on Maturity but also gives Guaranteed Income during the income term that increases every year.

Tata AIA Life Insurance Smart Income Plus

Tata AIA Life Insurance Smart Income Plus

This is a Non-Linked, Non-Participating, Endowment Assurance Plan. A limited pay income plan that meets tomorrow's requirements along with protecting your loved ones and dreams as it ensures you of guaranteed returns for the money invested. Investment in this plan helps you fulfill your medium to long term goals.

  • Married with kids

    You have a need and an obligation to protect your family, and provide for them even when you are not there physically. Whether your child is a newborn, or you have a toddler running around, you need to ensure your potential future earning power will continue to take care of your family, come what may Life Insurance will provide money directly to your family in times of need, which can help them keep up with their existing lifestyle, pay for the kid's education, and pay off debt and other related items.

  • Child’s education planning
  • Protection
Child’s education planning

Ensure that your loved ones are taken care of should the worst happen.

Different life protection plans let you protect the most important people in your life.

Tata AIA Life Insurance Sampoorna Raksha

Tata AIA Life Insurance Sampoorna Raksha

Sampoorna Raksha is a Non-linked Non-participating Term Assurance Plan that provides financial protection to your family at an affordable price

Tata AIA Life Insurance Sampoorna Raksha+

Tata AIA Life Insurance Sampoorna Raksha+

  1. Sampoorna Raksha+ is a Non-linked Non-Participating "Term Assurance Plan with Return of Premiums" on Maturity Get much more than just pure life cover.
protection

You dreams big and aspire the best for your child.

To ensure such dreams are fulfilled coupled with a secured future, financial planning becomes extremely important. Help your child make his/ her dream a reality.

 Tata AIA Life Insurance Wealth Pro

Tata AIA Life Insurance Wealth Pro

A Non-Participating Unit Linked Endowment Insurance plan that helps grow your money into wealth so that your dreams and aspirations never fall short of resources. Wealth Pro provides protection to your family and helps meet your retirement and child education needs.

Tata AIA Life Insurance Fortune Pro

Tata AIA Life Insurance Fortune Pro

A Non-Participating Unit Linked Endowment Insurance plan that makes your money grow steadily over a period of time. It provides protection to your family and helps meet your retirement and child education needs.

Tata AIA Life Insurance Money Maxima

Tata AIA Life Insurance Money Maxima

A Regular Premium Paying Non-Linked Participating Endowment Assurance plan that gives you the liberty to choose your term based on your savings horizon. It offers a host of bonuses and guaranteed benefits which maximizes returns for every rupee invested and provides financial protection to your family. Money maxima also helps meet your retirement and child education needs.

Tata AIA Life Insurance Mahalife Magic

Tata AIA Life Insurance Mahalife Magic

A limited premium paying Non-Linked Participating Endowment Assurance Plan that is a unique saving cum insurance plan in which you pay for a short period and stand to gain by maximizing the growth of your money. It not only provides protection to your family but is a product which helps plan for child education.

Tata AIA Life Insurance Secure 7

Tata AIA Life Insurance Secure 7

A Non-Linked Non-Participating Endowment Assurance Plan that helps you meet tomorrow's requirements by paying premiums for short period and receive guaranteed benefits along with financial security for your family. Secure 7 also helps plan for your child education needs.

Tata AIA Life Insurance Smart Income Plus

Tata AIA Life Insurance Smart Income Plus

This is a Non-Linked, Non-Participating, Endowment Assurance Plan. A limited pay income plan that meets tomorrow's requirements along with protecting your loved ones and dreams as it ensures you of guaranteed returns for the money invested. Investment in this plan helps you fulfill your medium to long term goals.

Tata AIA Life Insurance Good Kid

Tata AIA Life Insurance Good Kid

A Non-Linked, Participating, Anticipated Endowment Plan with inbuilt Waiver of Premium benefit that will help you move on with the growing needs of your child with Money Back Benefits and Milestone Additions, when it's exactly required; besides protecting your family from uncertainties. Invest today in this good plan to keep your kid's future good.

  • Wealth Capitalist & Closing Retirement

    With your retirement drawing closer, you would be looking to put up your feet and rest finally. You may not need as much Life Insurance as before, but it remains critical if you're married and still working.

    Life Insurance can still help fill in the gap in your financial plan and allow your spouse to keep up with the lifestyle you've worked so hard to provide. Life Insurance plans also provide you options to create more wealth out of the hard earned money you have earned.

  • Retirement Planning
  • Legacy Planning
Retirement Planning

Get the retirement you deserve with insurance plans that provide stable returns and protection coverage from now till your golden years.

 Tata AIA Life Insurance Wealth Pro

Tata AIA Life Insurance Wealth Pro

A Non-Participating Unit Linked Endowment Insurance plan that helps grow your money into wealth so that your dreams and aspirations never fall short of resources. Wealth Pro provides protection to your family and helps meet your retirement and child education needs.

Tata AIA Life Insurance Fortune Pro

Tata AIA Life Insurance Fortune Pro

A Non-Participating Unit Linked Endowment Insurance plan that makes your money grow steadily over a period of time. It provides protection to your family and helps meet your retirement and child education needs.

Tata AIA Life Insurance Money Maxima

Tata AIA Life Insurance Money Maxima

A Regular Premium Paying Non-Linked Participating Endowment Assurance plan that gives you the liberty to choose your term based on your savings horizon. It offers a host of bonuses and guaranteed benefits which maximizes returns for every rupee invested and provides financial protection to your family. Money maxima also helps meet your retirement and child education needs.

TATA AIA Life Insurance MahaLife Gold Plus

TATA AIA Life Insurance MahaLife Gold Plus

A Limited Premium Paying, Non-Linked Participating whole of life insurance plan upto age 85 years that lets you afford a better tomorrow through regular income and leave behind a lump sum for the next generation of your family. It not only provides protection to your family but also helps meet your retirement and legacy needs.

Tata AIA Life Insurance Freedom Plan

Tata AIA Life Insurance Freedom Plan

Tata AIA Life Insurance Freedom, a Non - Linked Participating Endowment plan which will enable you to find a balance in your financial portfolio just as you would create a balance in your life's portfolio. This plan provides you Guaranteed Additions to enhance your retirement corpus.

Legacy Planning

Wealth is more than a hallmark of success; it is a means of providing financial security for future generations.

Tata AIA Life Insurance Wealth Maxima

Tata AIA Life Insurance Wealth Maxima

A Non-Participating Unit Linked Whole of Life Insurance plan that allows you to tap into force multipliers of the market to create a lasting legacy for your loved ones. It makes your money grow over a period of time to ensure greater protection and wealth creation.

Tata AIA Life Insurance Fortune Maxima

Tata AIA Life Insurance Fortune Maxima

A Non-Participating Unit Linked Whole of Life plan that allows you to fulfill some critical life needs with a greater degree of efficiency and helps create legacy for your loved ones. It makes your money grow over a period of time to ensure greater protection and wealth creation.

TATA AIA Life Insurance MahaLife Gold Plus

TATA AIA Life Insurance MahaLife Gold Plus

A Limited Premium Paying, Non-Linked Participating whole of life insurance plan upto age 85 years that lets you afford a better tomorrow through regular income and leave behind a lump sum for the next generation of your family. It not only provides protection to your family but also helps meet your retirement and legacy needs.

Disclaimers:

Insurance products are obligations only of the Insurance company. They are not bank deposits or obligations of or guaranteed by Citibank N.A, Citigroup Inc or any of its affiliates or subsidiaries or any Governmental agency. All claims under the policy will be solely decided upon by the Insurance Company. Citibank, Citigroup or any of their affiliates and group entities hold no warranty and do not make any representation about the insurance, the quality of claims processing and shall not be responsible for claims, recovery of claims, or for processing of or clearing of claims, in any manner whatsoever. This document does not constitute the distribution of any information or the making of any offer or solicitation by anyone in any jurisdiction in which such distribution or offer is not authorized or to any person to whom it is unlawful to distribute such a document or make such an offer or solicitation. Investment products are not available to US persons and may not be available in all jurisdictions.

Participation by the bank's customers in an insurance product is purely on a voluntary basis.

*IRS Circular 230 Disclosure: Citigroup, Inc., its affiliates, and its employees are not in the business of providing tax or legal advice to any taxpayer outside of Citigroup, Inc. and its affiliates. This document is not intended or written to be used, and cannot be used or relied upon, by any such taxpayer for the purpose of avoiding tax penalties. Tax benefits are subject to changes in the tax laws. Any such taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor.

Citibank N.A. is a registered Corporate Agent of Tata AIA Life Insurance Company Limited, New India Assurance Company Limited, Royal Sundaram General Insurance Company Limited and Apollo Munich Health Insurance Company Limited under the composite license number CA0086 issued by IRDAI.

Life Insurance Policies:

These policies are underwritten by Tata AIA Life Insurance Co. Limited (IRDAI Registration No. 110)
CIN: U66010MH2000PLC128403 with its registered office at 14th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg,
Lower Parel, Mumbai 400013.

All guaranteed benefits are payable only when all premiums are paid when due.

Investment risk in the investment portfolio is borne by the Policy Holder. The premium paid in Unit Linked Life Insurance policies are subject to investment risks associate with capital markets and the NAVs of the units may go up or down based on the performance of the fund and factors influencing the capital market and the insured is responsible for his or her decision. Tata AIA Life is only the name of the Insurance Company and the funds offered are only the names of the funds and does not in any way indicate the quality of the contract, its future prospects or returns.

Product UINs:

UIN for TATA AIA Life Insurance Smart Income Plus - 110N126V03

UIN for TATA AIA Life Insurance Good Kid - 110N127V01

UIN for TATA AIA Life Insurance Sampoorna Raksha - 110N129V02

UIN for TATA AIA Life Insurance Sampoorna Raksha+ - 110N130V02

UIN for TATA AIA Life Insurance Gold Income Plan - 110N131V01

UIN for TATA AIA Life Insurance Freedom - 110N124V01

UIN for Tata AIA Life Insurance Wealth Maxima - 110L114V02

UIN for Tata AIA Life Insurance Wealth Pro - 110L111V02

UIN for Tata AIA Life Insurance Fortune Maxima - 110L113V02

UIN for Tata AIA Life Insurance Fortune Pro - 110L112V02

UIN for Tata AIA Life Insurance MahaLife Gold Plus - 110N110V01

UIN for Tata AIA Life Insurance Money Maxima - 110N109V01

UIN for Tata AIA Life Insurance MahaLife Magic - 110N108V01

UIN for Tata AIA Life Insurance Secure 7 - 110N107V01

Non-life Insurance Policies:

Policies are underwritten by New India Assurance Company Limited (IRDAI Registration No. 190) CIN: U99999MH1919GOI000526 with its registered office at No.87, Mahatma Gandhi Road, Fort, Mumbai – 400 001 or by Royal Sundaram General Insurance Company Limited (IRDAI Registration No. 102) CIN:U67200TN2000PLC045611 with its registered office at No. 21, Patullos Road,
Chennai 600 002.

Specialist Health Insurance Policies: These policies are underwritten by Apollo Munich Health Insurance Company Limited (IRDAI Registration No. 131) CIN: U66030TG2006PLC051760 with its registered office at Apollo Hospitals Complex, 8-2-293/82/J III/DH/900 Jubilee Hills, Hyderabad, Telangana 500033.

For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding the sale.

For any queries with respect to your Insurance Policies bought through Citibank N.A., kindly contact 24 x 7 CitiPhone, The updated numbers are available on www.citibank.co.in

SECTION 41 OF THE INSURANCE ACT 1938 PROHIBITION OF REBATES
  1. 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 or continuing a Policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectus or tables of the Insurer.
  2. Any person making default in complying with the provisions of this section shall be liable for penalty which may extend to
    ten lakh rupees.