<h1>Unit-linked life insurance plan with zero allocation charges, premium waiver on illness, and post lock-in withdrawals-features outlined</h1> Tata AIA Premier SIP is described as a unit-linked insurance plan prescribing that premiums are applied partly toward life insurance coverage and partly toward market-linked funds (equity/debt), with zero premium allocation charges so the full premium is allocated to the chosen fund from inception, increasing investible amounts. It provides a premium waiver benefit on specified critical illness or disability, waiving future premiums while keeping the policy in force to avoid lapse and maintain investment continuity. After a mandatory five-year lock-in, it permits withdrawals through systematic, chosen-rate, or index-based withdrawal options, and allows fund switching among available funds without transaction charges or tax implications as stated. It offers optional protection riders, an additional first-year fund-unit benefit for eligible female policyholders, and tax deductions/exemptions on premiums/maturity subject to prevailing statutory conditions.