TATA AIA Life Insurance:Compare Plans, Features, Benefits

Introduction

Tata AIA Life Insurance Company Limited is a joint venture between Tata Sons Pvt Ltd, a prominent business leader in India and AIA Group Ltd, independent listed pan-Asian life insurance group in the world. The company now has a widespread network in over 18 markets in the Asia Pacific. Founded in the year 2001, Tata AIA is one of the fastest-growing life insurance company in India offering a variety of life insurance plans with innovative features.

In the financial year 2020-21, Tata AIA recorded over INR 11,105 crore as its total premium income. During this period, the company which is one of the leading life insurance companies in the country maintained its position in 5th position. With a Claim Settlement Ratio of 98.02%, Tata AIA is a name that people trust.

Types of life insurance plans offered by Tata AIA

Following are the categories of life insurance plans offered by the company:

• Protection plans
• Wealth plans
• Savings plans
• Child plans
• Retirement plans
• Health plans
• Group plans
• Microinsurance plans

There are various plans offered in each category. Following are the brief details of each plan in the category.

Protection plans

Protection plans are the term life insurance products that provide life cover. Basically, these policies provide financial security in an unfortunate event like death. Person insured is covered for a specific time period. During the period, if he/she dies, unfortunately, pre-decided cover (sum assured) will be payable to designated nominee in the policy. Usually, protection plans come with no maturity benefit. There are many protection plans offered by Tata AIA Life Insurance Company. Following are the details of protection plans available.

1. Tata AIA Sampoorna Raksha Term Insurance Plan

Key highlights of Tata AIA Sampoorna Raksha Term Insurance Plan are:

• The plan provides life coverage up to 85 years or up to 100 years if whole life cover is chosen
• Flexibility to choose from four death benefit options
• Flexibility to choose from regular or limited-term premium payment 
• Discount on availing higher sum assured
• Special rates for female lives and non-smokers
• Plan can be customised with additional riders
• Income tax benefits under Section 80C and 10(10D) of the Income Tax Act, 1961 

2. Tata AIA Sampoorna Raksha+ Term Insurance Plan

Sampoorna Raksha+ is a Term Plan with the return of premium facility that offers financial stability and support to the insured’s family in an unfortunate demise of the insured during the policy term.

Key highlights of Tata AIA Sampoorna Raksha+ Term Insurance Plan are:

• Flexibility to choose between two types of the death benefit. Insured can opt for lump-sum death benefits or a combination of lump sum + monthly income for 10 years after death.
• All premiums paid will be returned to the insured as a survival benefit at the end of the policy term.
• Flexibility to choose premium payment term – regular/limited pay (5/10/12 years)
• The large sum assured discount on availing the higher amount of coverage
• Preferential rates for female lives and non-smokers
• Coverage can be enhanced with optional riders
• Tax benefits and exemptions under Section 80C and 10 (10D) of the Income Tax Act.

3. Tata AIA Life iRaksha TROP Plan

This is an online term insurance plan offered by Tata AIA with the return of premium facility. Total premiums paid will be returned at the end of the policy period if the insured survives the policy term.

Key highlights of Tata AIA Life iRaksha TROP Plan are:

• iRaksha TROP is a non-linked, non-participating term plan

• The plan offers the dual benefit of protection and return of premium
• Flexibility to choose the premium payment – regular/single/limited pay (5/10 years)
• Preferential premium rates for non-smokers
• The large sum assured discounts for people availing the higher amount of coverage
• Lower premium rates for female lives
• Income tax benefits under Section 80C and 10(10D) of the Income Tax Act, 1961

4. Tata AIA Life Maha Raksha Supreme Term Insurance Plan

It is a simple non-linked and non-participating term plan. The plan comes with many attractive features to cater to the specific insurance needs of individuals.

Key highlights of Tata AIA Life Maha Raksha Supreme Term Insurance Plan are:

• Protection cover with an option to enhance the coverage in future.
• Life stage plus option offered in the policy helps to enhance the life cover at major life stage events in future without any additional underwriting requirements
• The policy comes with in-built payout accelerator benefit. In this, 50% of the basic sum assured is given in advance in case of diagnosis of terminal illness during the policy term
• Flexibility to choose the premium payment –single/regular pay
• The discounted premium rate for female lives and non-smokers
• Income tax benefits under Section 80C and 10(10D) of the Income Tax Act, 1961

5. Tata AIA Life Insurance Sampoorna Raksha Supreme 

Tata AIA Life Insurance Sampoorna Raksha Supreme is a non linked and non-participating life insurance plan. A flexible plan, Tata AIA Life Insurance Sampoorna Raksha Supreme allows you to cater to your family’s financial needs even in your absence. Let us take a look at the key features of this plan: 

1. The plan comes with an inbuilt Accelerator Benefit. With this benefit in case the insured is diagnosed with a terminal illness, the basic sum assured increases by 50%
2. This is an affordable and pocket-friendly plan that allows you to plan a stable financial future for your loved ones
3. You have the freedom to select a policy term and a premium paying term that suits your requirements as well as your budget
4. Female insured members can enjoy a discounted premium rate
5. You can opt for life cover till 100 years of age
6. The life stage option allows you to increase the coverage
7. By opting for riders, you can further enhance the protection 
8. Income Tax benefits on the premiums that are paid as well as on the death benefit that will be received
9. Lower premium rates for female customers
10. Rewards for a healthy lifestyle in the form of preferential rate to non-smokers

6. TATA AIA Insurance Saral Jeevan Bima

Being a pure protection plan, TATA AIA Insurance Saral Jeevan Bima is an affordable way to safeguard the future of your family. An easy to understand plan, it ensures that even in case something tragic happens to you your family will not be in a financial crisis. Here are the main features of this plan:

1.  TATA AIA Insurance Saral Jeevan Bimais a non-linked non-participating pure risk life insurance plan
2. In case of death of the insured member, the nominee receives the sum assured s a death benefit
3. The minimum and maximum entry age for this plan is 18 years and 65 years respectively
4. The minimum policy term is 5 years while the maximum is 40 years
5. You can choose a premium payment term of:
   1. Regular Pay: equal to the term of the policy
   2. Limited Pay: 5 years or 10 years
   3. Single Pay: once at the time of policy purchase
6. Minimum Sum Assured is INR 5 lakhs
7. The plan does not have any maturity benefit
8. You have the option to add the following riders to the base plan:
   1.  Accidental Death Benet (ADB) 
   2. Accidental Total and Permanent Disability Benet (ATPD)

7. TATA AIA Insurance InstaProtect Solution

InstaProtect by Tata AIA is a comprehensive solution that offers you financial assistance. The plan is a combination of a term plan along with a health insurance plan.

1. The plan offers the following features:
   1. Critcare Plus benefit
   2. Hospital benefit 
   3. Accidental Total and Permanent Disability benefit
   4. Accidental Death benefit
   5. Life Cover
   6. OPtion to choose the Return of Premiums
2. You can opt for a Package Sum Assured of INR 25 lakhs/ 50 lakhs/ 75 lakhs 
3. You have the flexibility to choose a policy tenure and the premium paying term as per your insurance needs
4. The plan offers comprehensive coverage at affordable premiums
5. The onboarding procedure is simple, the transactions can be done in a safe and easy manner too
6. Individuals between the age of 18 years and 45 years can buy this plan 
7. Depending on the prevailing tax laws, you can also avail of tax benefits

Tata AIA Life Insurance Wealth Plans

Wealth creation is everyone’s long-term financial goal. Building wealth can be for meeting various objectives like higher education for children, buying a home or four-wheeler or for comfortable golden years of life. Wealth plans offered by insurance companies are particularly meant for this. Wealth plans offer a combination of life protection and wealth creation benefits by providing market-linked returns. Following are the wealth plans offered by Tata AIA Life Insurance Company.

1. Tata AIA Life Insurance Fortune Maxima Plan

Tata AIA Life Fortune Maxima Plan is a non-participating unit-linked whole life plan that provides the benefit of whole life protection along with wealth creation for future.

Key highlights of Tata AIA Life Insurance Fortune Maxima Plan are:

• Flexibility to choose the premium payment – single or limited period payment
• Loyalty additions credited regularly
• Choice of portfolio strategy – enhanced systematic money allocation or regular transfer
• 11 investment fund options to choose based on the need
• Top-up facility to increase the portfolio size
• Tax benefits under Section 80C and Section 10 (10D) of the IT Act

2. Tata AIA Life Insurance Fortune Pro Plan

Tata AIA Life Fortune Pro is a non-participating unit-linked endowment assurance plan that provides the benefit of life protection and maximising investment returns. The plan basically is an ideal choice for meeting medium and long-term financial goals with a variety of features offered.

Key highlights of Tata AIA Life Insurance Fortune Pro Plan are:

• Premium payment can be in a single or limited pay mode.
• Regular loyalty additions to boost the investment
• Choice of investment portfolio strategy – enhanced systematic money allocation or regular transfer
• 11 investment fund options to choose
• Plan can be customised with three optional additional riders
• Top-up facility to increase the portfolio size
• Settlement option on maturity which allows taking maturity amount either in a lump sum or instalment basis.
• Tax benefits under Section 80C and Section 10 (10D) of the IT Act

3. Tata AIA Life Insurance Wealth Maxima Plan

Tata AIA Life Wealth Maxima Plan is a non-participating unit-linked whole life plan that offers long-term financial security along with the lifelong cover.

Key highlights of Tata AIA Life Insurance Wealth Maxima Plan are:

• Flexibility to choose from single or limited premium payment
• Regular loyalty additions
• Customise with riders
• Flexibility to choose from 11 investment funds
• Top-up facility
• Choice of investment portfolio strategy – enhanced systematic money allocation or regular transfer
• Tax benefits under Section 80C and Section 10 (10D) of the IT Act

4. Tata AIA Life Insurance Wealth Pro Plan

Tata AIA Life Insurance Wealth Pro Plan is a non-participating unit-linked endowment assurance plan that provides the benefit of life protection and wealth creation for long-term.

Key highlights of Tata AIA Life Insurance Wealth Pro Plan are:

• Premium payment can be in a single or limited pay mode.
• Regular loyalty additions to boost the investment
• 11 investment fund options to choose from
• Choice of investment portfolio strategy – enhanced systematic money allocation or regular transfer
•  Top-up facility to increase the portfolio size
• Plan can be customised with three optional additional riders
• Settlement option on maturity which allows taking maturity amount either in a lump sum or instalment basis.
• Tax benefits under Section 80C and Section 10 (10D) of the IT Act

5. Tata AIA Life Insurance Smart Sampoorna Raksha

The Smart Sampoorna Raksha plan is a unit-linked insurance plan and thus gives you the benefits of insurance along with invetsment. You can safeguard the well being of your loved ones, and create a corpus that can help you achieve your financial goals in the future. Mentioned below are the most prominent features of Smart Sampoorna Raksha plan by Tata AIA: 

1. As a part of your investment goes to the market, your money grows with the returns
2. The plan allows refund of premium allocation charges and mortality charges at certsian stages of the term
3. You would not be able to withdraw any money during the first five years
4. There are 11 funds that you can invest your money in
5. You can opt for life coverage till the age of 100 years
6.  The plan also gives you the option of adding riders to enhance your cover
7. The Enhanced Smart Option allows flexibility to your portfolio startergy 
8. You would also be eligible for tax benefit as per the prevalent tax laws
9. The policy term can be 30 and 40 years
10. The minimum and maximum entry age is 18 and 60 years respectively

Savings plans

Savings plans offered by Tata AIA Life Insurance Company are a combination of insurance and savings. These plans offer protection and non-linked savings opportunities. There are various savings plans offered by the company.

1. Tata AIA Life Insurance Value Income Plan

The Value Income Plan is an individual plan that is non-linked, participating plan that allows you to cover yourself for life and also add to your savings. With such a plan, it becomes easier to be prepared for the unpredictatble future. In an unfortunate event, if something happens to you, you can rest assured that your loved ones will be financially secure. Here are the main features of this plan:

1. From the 2nd policy anniversary till the plan reaches maturity, you recove an Early Income Benefit
2. You have the choice of receiving the payout in the form of a Cash Bonus or as a lump sum at the time of maturity
3. You can opt for a whole life cover that exceeds till the age of 100 years
4. You can also chose a policy term as per your insurance needs
5. The plan also offers you liquidity through loans
6. Adding Riders to the base plan can help enhance the coverage
7. Avail of the prevalent tax rules and save more

2. Tata AIA Life Insurance Fortune Guarantee Plus Plan

Another savings plan by Tata AIA, the Fortune Guarantee Plus Plan allows you to secure the future of your loved ones, even in your absence. The plan offers guaranteed returns so that you can fulfil the different golas and aspirations you have in the different stages of your life. Lets take a look at the key features of this plan:

1. At the end of the income premium, you can avail the Return of premium
2. Your income period can be from 20 to 45 years
3. The plan give syou the freedom to pick between Regular Income and Regular Income with an in-built Critical Illness benefit
4. You have the option to include Riders to your base plan
5. You also have the flexibility to choose to get the income on a monthly or an annual basis
6. Under the Single Premium payment option, you can opt for Joint Life
7. Avail of tax benefits under Section 80C and Section 10 (10D) of the Income Tax Act

3. Tata AIA Life Insurance Guaranteed Return Insurance Plan

It is a non-linked, non-participating life insurance savings plan that provides both death benefit and survival benefit for the amount invested.

Key highlights of Tata AIA Life Insurance Guaranteed Return Insurance Plan are:

• Flexibility to choose the plan based on requirement – Endowment, whole life or regular income plan
• Guaranteed additions year on year to boost the investment under endowment option
• Whole life income option allows cover for a spouse in the same policy
• Two additional optional riders to enhance the cover
• Tax benefits under Section 80C and Section 10 (10D) of the IT Act

4. Tata AIA Life Insurance Guaranteed Monthly Income Plan

It is a non-linked non-participating life insurance plan with a monthly income option that helps in meeting future income needs of the family along with life protection.

Key highlights of Tata AIA Life Insurance Guaranteed Monthly Income Plan are:

• Guaranteed monthly income for double the policy term
• Two optional riders to enhance the protection
• Flexibility to choose the policy term -5/8/12 years
• Tax benefits under Section 80C and Section 10 (10D) of the IT Act

5. Tata AIA Life Insurance Diamond Savings Plan

Tata AIA Life Diamond savings plan is a limited pay, non-linked and participating savings plan that helps in meeting various long-term financial requirements.

Key highlights of Tata AIA Life Insurance Diamond Savings Plan are:

• Guaranteed income after the premium payment term is over
• Flexibility to choose the premium payment term and policy term
• Two optional riders to enhance the cover
• Tax benefits under Section 80C and Section 10 (10D) of the IT Act

6. Tata AIA Life Insurance Gold Income Plan

It is a limited pay, non-linked and non-participating endowment assurance plan that provides the dual benefit of protection and savings.

Key highlights of Tata AIA Life Insurance Gold Income Plan are:

• Pay for a limited period -5/12 years for a policy term of 12/15 years
• Choose guaranteed income (starting at 12% of basic sum assured) for 10 or 15 years
• Guaranteed maturity benefit on the survival of policy term
• Income boosters on increasing income
• Tax benefits under Section 80C and Section 10 (10D) of the IT Act

7. Tata AIA Life Insurance Smart Income Plus Plan

It is a limited pay, non-linked and non-participating endowment assurance plan that comes with a guaranteed payout.

Key highlights of Tata AIA Life Insurance Smart Income Plus Plan are:

• Flexibility to choose between regular income and endowment options
• Optional rider to customise the cover
• Higher benefits for female lives
• Guaranteed payouts from 120% to 160% of the annualised premium
• Tax benefits under Section 80C and Section 10 (10D) of the IT Act

8. Tata AIA Life Insurance Fortune Guarantee Plan 

The plan is a combination of protection and savings to secure your future dreams.

Key highlights of Tata AIA Life Insurance Fortune Guarantee Plan are:

• Guaranteed maturity benefit that varies from 114% to 275% of total premiums paid
• Flexibility to choose policy term and premium paying term
• Higher benefits for female lives
• Tax benefits under Section 80C and Section 10 (10D) of the IT Act

9. Tata AIA Life Insurance Money Back Plus Plan

It is a limited pay, non-linked, participating savings plan that offers periodic payouts at key life stages along with life protection during the policy period.

Key highlights of Tata AIA Life Insurance Money Back Plus Plan are:

• Money-back payout of up to 130% of sum assured at regular intervals
• On maturity, compounded reversionary bonus and terminal bonus
• Inbuilt accidental benefit
• Tax benefits under Section 80C and Section 10 (10D) of the IT Act

10. Tata AIA Life Insurance MahaLife Gold Plan

The plan provides regular income for a longer period of time along with offering lifelong protection.

Key highlights of Tata AIA Life Insurance MahaLife Gold Plan are:

• Lifelong coverage with premium paid for 15 years
• Guaranteed annual coupons from 10th policy anniversary
• Non-guaranteed cash dividends annually from 6th policy anniversary till maturity
• Lump-sum benefit on maturity along with regular income benefit

11. Tata AIA Life Insurance POS Smart Income Plus Plan

It is a non-linked non-participating life insurance plan that provides life protection and maximised savings with guaranteed returns offered.

Key highlights of Tata AIA Life Insurance POS Smart Income Plus Plan are:

• Flexibility to choose between regular income benefit and endowment benefit
• Guaranteed payout at 120% of the annualised premium
• Higher benefit for female lives
• No medical examination
• Tax benefits under Section 80C and Section 10 (10D) of the IT Act

Tata AIA Life Retirement plans

Retirement planning is a crucial part of one’s financial planning process. Retirement plans of Tata AIA Life Insurance are carefully crafted to meet the financial requirements in the post-retirement life.

1. Tata AIA Life Insurance Saral Pension Plan

The Saral Pension Plan by Tata AIA is a single premium immediate annuity plan. The non-particpating non-linked plan allows you to be prepared for your golden years. The plan empoerrs you to enjoy the relaxed life that you have earned after working hard for so many years. 

Key highlights of Tata AIA Life Insurance Saral Pension Plan are:

1. The Saral Pension Plan allows you flexibility in choosing the annuity options as per your financial needs. The options are as follows:
   1. Life Annuity with Return of 100% of Purchase price (ROP)
   2. Joint Life Last Survivor Annuity with Return of 100% of Purchase Price (ROP) on death of the last survivor
2. You can opt for Single or Joint Life annuity
3. The plan offers a death benefit in case of death of the insured 
4. Your annuity payout can be monthly/ quaterly/ half-yearly/ yearly
5. After 6 months of policy commencement, you are eligible for a loan

2. Tata AIA Life Insurance Smart Annuity Plan

It is a single premium, non-linked, non-participating annuity plan that offers financial freedom post-retirement by providing regular income benefits.

Key highlights of Tata AIA Life Insurance Smart Annuity Plan are:

• Flexibility in choosing the annuity option – immediate annuity/immediate annuity with return of purchase price/deferred life annuity with return of purchase price
• The option of a single or joint-life annuity
• Flexibility to choose the annuity payout mode
• Top-up facility

Tata AIA Life Group Insurance plans

1. Tata AIA Life Insurance Group Loan Protect Plan

It is a non-linked, non-participating group credit life insurance offered by Tata AIA life for financial institutions, banks and non-banking financial institutions who offer various loans such as home loan, vehicle loan, personal loan and education loan etc. The policy offers comprehensive cover to the borrowers during unforeseen events such as death, terminal illness and total permanent disability etc so that the debt dues are cleared.

Key highlights of Tata AIA Life Insurance Group Loan Protect Plan are:

• Flexibility to choose from 9 different plan options
• Lower premium rates for female lives
• Choose the cover – level or reducing
• Choice of single life and joint life coverage
• Flexibility to cover co-borrower for entire loan amount or on loan share basis

2. Tata AIA Life Insurance Group Total Suraksha Plan

It is a comprehensive insurance plan offered to a group with a minimum size of 50 eligible members.

Key highlights of Tata AIA Life Insurance Group Total Suraksha Plan are:

• Death cover to insured members to choose from reducing sum assured or level sum assured options
• Single premium payment
• Insurance cover linked to loans along with an option to cover co-borrower
• 24/7 worldwide cover
• Tax benefits under Section 80C of the IT Act

3. Tata AIA Life Insurance Group Term Life Plan

It is a yearly renewable group term plan that covers the entire family against financial uncertainties.

Key highlights of Tata AIA Life Insurance Group Term Life Plan are:

• Simple enrolment process
• 24/7 worldwide coverage
• Tax benefits under Section 80C of the IT Act

4. Tata AIA Life Insurance Immediate Annuity Plan

It is a single premium, immediate annuity plan with return of purchase price offered to the group of employees.

Key highlights of Tata AIA Life Insurance Immediate Annuity Plan are:

• Flexibility to choose the annuity payment modes – monthly/quarterly/half-yearly/yearly
• Incentives on higher purchase

5. Tata AIA Life Insurance Traditional Group Employee Benefit Plan

It is a variable group insurance plan offered to employers in order to avail protection against statutory obligations towards the welfare of employees.

Key highlights of Tata AIA Life Insurance Traditional Group Employee Benefit Plan are:

• Helps to set up separate funds for leave encashment/gratuity benefits
• Benefits payable to employees in the event of termination/resignation/retirement etc
• Assured return with life cover to all enrolled members

6. Tata AIA Life Insurance Group Employee Benefit Plan

It is a unit-linked group insurance plan offered to employers to secure their statutory obligations towards employees.

Key highlights of Tata AIA Life Insurance Group Employee Benefit Plan are:

• Flexibility to choose from 5 different investment funds
• Loyalty additions for funds above INR 1 cr
• Helps to set up separate funds for leave encashment/gratuity benefits
• Benefits payable to employees in the event of termination/resignation/retirement etc

Micro Insurance plans

Microinsurance plans are designed to provide financial securities to low-income groups by offering them simple insurance cover at low premium rates.

1. Tata AIA Life Insurance Saath Saath Plan

The plan aims to provide financial protection to the insured’s family at a low cost without any need for medical tests. Along with the life cover plan offers maturity benefit up to 100% to 135% of the total premium paid.

2. Tata AIA Life Insurance POS Saath Saath

The plan aims to provide financial protection to the insured’s family at a low cost without any need for medical tests. Along with the life cover plan offers maturity benefit up to 105% to 135% of the total premium paid. The policy offers a preferential rate for female lives.

Other Plans

1. Tata AIA Life Insurance Param Rakshak

If you are someone who wants to go the extra mile for thei loved ones. You can opt for the Tata AIA Life Insurance Param Rakshak and safeguard the future of your whole family. This includes: 

1. Tata AIA Life Insurance Smart Sampoorna Raksha 
2. Tata AIA Life Insurance Linked Comprehensive Protection Rider

2. Tata AIA Life Insurance Param Rakshak Plus

The Param Rakshak Plus offers a wholistic cover of protection for the well being of your whole family. It includes the benefits of the following plans:

1. Tata AIA Life Insurance Smart Sampoorna Raksha 
2. Tata AIA Life Insurance Linked Comprehensive Protection Rider
3. Tata AIA Life Insurance Linked Comprehensive Health Rider

How to buy Tata AIA Life Insurance Plans?

Tata AIA Life Insurance plans are available for purchase both in online and offline mode.

Tata AIA Insurance plans can be bought online without any hassles through Turtlemint. Following are the simple steps to follow for purchase online:

• Log on to Turtlemint home page
• Choose the category as ‘life insurance’
• Once you click on the category, various plans available under that category will be displayed. Click on plan type of your choice.
• Provide your profile details such as gender, marital status, date of birth, income details and contact details and more depending on the plan type you have chosen
• You can compare the plans offered by various life insurance companies on the side by side basis and select the right one as per your need
• After choosing the plan, provide relevant details and continue to make payment through net banking/debit card/credit card/IMPS/Jio Money/Paytm/quick pay etc.

Documents required for buying Tata AIA Life Insurance Plans

Following are the documents required for buying/renewing the life insurance plans offered by Tata AIA along with the proposal or renewal form:

• Identity proof – PAN Card/Passport/Voter’s ID card/Aadhaar card
• Address proof – Bank statement/Driving license/ Passport/Aadhaar card/Voter’s ID/Ration card
• Income proof – Income tax return for last 3 years/salary slips/latest form 16/Bank statement
• Age proof – PAN Card/Birth certificate/Passport
• Photographs

The claim process for Tata AIA Life Insurance plans

The claim process for Tata life insurance plans is quite simple and quick. Online claim process makes it more convenient. Following are the simple steps to follow:

• Immediate online claim intimation to Tata AIA Life Insurance
• Submit the required documents to process the claim
• Claim decision is sent to customer and payouts are made through NEFT

Documents required for claiming

Documents required may vary depending on the nature of the claim. However, the following are the common documents to be submitted

• Duly filled and signed claim form
• Death certificate
• Medical records
• Original policy documents
• Claimants ID proof, address proof age proof and relationship with the life assured
• Bank account details with cancelled cheque leaf