Make Your Dream a Reality with
Guaranteed* Returns
Make Your Dream a Reality with
Guaranteed* Returns
Success
Tata AIA Guaranteed Return Plans
We all want to ensure that our loved ones have a comfortable life and secured future. Tata AIA Fortune Guarantee Plus offers features such as guaranteed* tax-free income, coverage against critical illnesses including heart and cancer and many more select benefits.
Benefits of Tata AIA Fortune Guarantee Plus
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Get Guaranteed* Regular Income
Get returns in form of regular income as per your preferred frequency for up to 45 years
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Save Income Tax Up to Rs 46,8001
Get income tax2 benefits as per applicable income tax laws and save tax.
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Get Your Premiums Paid Back
While you get tax-free guaranteed income, you will also receive the entire premium3 amount paid by you.
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Joint Life Policy
With Joint Life policy option, provide life cover to your spouse under the same policy.
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Avail Critical Illness Cover
Get Critical Illness cover against 40 critical illnesses~ including Heart and Cancer
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Choose Income Frequency
Option to receive income either on a monthly or annual basis, as per your requirement.
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Add Optional Riders
You can add additional riders4 to increase your plan coverage
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Affordable Premiums
Pay premium as per convenience in easy monthly instalments
*T&C apply
Why should you buy a savings plan?
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Assured Returns
A guaranteed* income plan aids in saving money over the long term so that you can use the corpus to meet your future goals such as your child’s education, the purchase of a home and so on.
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Provides Financial Security
In case of any unfortunate event, the life insurance component in the savings plans help to cover the risk and secure the future of your loved ones.
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Affordable Premiums
Savings plans offer flexible premium payment options, and you can choose to pay the premiums in easy monthly instalments.
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Avail Tax Benefits
When you purchase a savings plan, you get Income Tax2 Benefits as per applicable tax laws and you can save tax up to Rs 46,8001.
Why Choose Tata AIA Life Insurance?
Frequently Asked Questions
What is a guaranteed savings plan?
A guaranteed* savings plan is a life insurance solution that allows you to enjoy the dual benefits of a life cover and long-term, assured savings under the same plan. You can pay reasonable premiums towards your savings policy, get life insurance coverage for your family and on maturity, get the guaranteed* income to fulfil your financial goals.
Why should I buy a guaranteed savings plan?
By purchasing a guaranteed* savings plan, you can select a policy term and a premium paying option as per your needs. This will help you save and grow your money over the long term. While you continue saving towards the policy regularly, the life cover under the plan will protect your family against any potential financial uncertainties throughout the policy term.
When the policy matures, the guaranteed* savings will be paid out as a maturity benefit so that you can meet your financial obligations. Be it for your family or for your personal needs, this corpus can help you achieve all of these goals without being financially dependent on anyone else.
Is buying a savings plan policy online safe?
Yes, buying a savings plan policy online is safe as your personal and financial details are safe. You can securely access the official Tata AIA Life Insurance website, browse through our savings plans and select the one that perfectly meets your needs. The checkout process is seamless and our digital payment options are secure so that you can complete your online transactions safely.
What are the benefits of Tata AIA Fortune Guarantee Plus?
Tata AIA Fortune Guarantee Plus offers the following benefits:
- Choose a flexible policy term and get guaranteed* income with comprehensive life insurance coverage.
- Select any plan option to get either regular income or regular income with an inbuilt critical illness benefit. The savings plan also offers a return on the total premiums9 paid at the end of the policy term to boost your savings.
- Get a Joint Life policy and financially secure your partner under the same policy. Avoid paying separate premiums or buying multiple life insurance policies with this option.
- Choose one or more optional riders4 to enhance your policy coverage for a nominal cost and stay protected from unforeseen risks.
- Get Income tax# benefits as per applicable income tax laws
How fast is the claim settled?
With a Tata AIA Fortune Guarantee Plus employee discount, you can enjoy the exclusive Express Claim8 Service. Here, your beneficiary can submit their documents to our agent, after which the claim process will be initiated. You can, thus, receive your claim settlement within just 4 hours!
Disclaimer
- The complete name of Tata AIA Fortune Guarantee Plus is Tata AIA Life Insurance Fortune Guarantee Plus (UIN: 110N158V11) - Non-Linked, Non-Participating, Individual Life Insurance Savings Plan.
- *“Guaranteed Annual Income” shall be a fixed percentage of the Annualised Premium / Single Premium (excluding discount) payable in a year. Guaranteed Annual Income as per the chosen Income Frequency shall commence after maturity till the end of the Income Period, irrespective of survival of the life insured(s) during the Income Period.
- ~Available under Regular Income with an Inbuilt Critical Illness Benefit option
- **Illustrated premium is calculated for a 25-year-old healthy male with a premium paying term of 10 years, policy term of 11 years and premium payment with monthly instalment under Regular Income plan option. The premium shown is exclusive 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.
- 1Tax benefits of up to ₹46,800 u/s 80C is calculated at highest tax slab rate of 31.20% (including cess excluding surcharge) on life insurance premium paid of ₹1,50,000. Tax benefits under the policy are subject to conditions laid under Section 80C, 80D,10(10D), 115BAC and other applicable provisions of the Income Tax Act,1961. Good and Service tax and Cess if any will be charged extra as per prevailing rates. The Tax-Free income is subject to conditions specified under section 10(10D) and other applicable provisions of the Income Tax Act,1961. Tax laws are subject to amendments made thereto from time to time. Please consult your tax advisor for details, before acting on above.
- 2Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment 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 on tax implications mentioned anywhere on this site. Please consult your own tax consultant to know the tax benefits available to you.
- 3Return of Premium shall be the return of Total Premiums Paid (excluding loading for modal premiums, discount, any extra premium, rider premium and taxes) by the policyholder and shall be payable at the end of the Income Period irrespective of survival of the life insured(s) during the Income Period.
- 4Riders 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.
- 577,26,727 families protected till 31st December 2023.
- 6Retail Sum Assured for FY2023 is Rs 4,43,479 Crores
- 7As on 31st August 2023, the company has a total Assets Under Management (AUM) of Rs. 81,601.11 Crores
- 8Applicable to only non-early claims more than 3 years of policy duration, non-investigation cases, up to Sum assured of 50 Lakh. Applicable for branch walk in. Time limit to submit claim to Tata AIA by 2 pm (working days). Subject to submission of complete documents. Not applicable to ULIP policies and open title claims.
- 9Return of Premium shall be the return of Total Premiums Paid (excluding loading for modal premiums, discount, any extra premium, rider premium and taxes) by the policyholder and shall be payable at the end of the Income Period irrespective of survival of the life insured(s) during the Income Period.
- Insurance cover is available under this product.
- 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
- Policies sourced through PoS Channel will not have any medical examination. This plan is not a guaranteed issuance plan, and it will be subject to Company’s underwriting and acceptance.
- Premium excludes the taxes, rider premiums, underwriting extra premiums, loading for modal premiums if any
- For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale. The precise terms and conditions of this plan are specified in the Policy Contract.
- Risk cover commences along with policy commencement for all lives, including minor lives.
- 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.
- For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
- L&C/Advt/2024/Feb/0471
Tata AIA Life Insurance Company Ltd. (IRDA 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 Company 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 or write to us at customercare@tataaia.com. Visit us at www.tataaia.com
BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS / FRAUDULENT OFFERS
IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.
