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In this policy, the investment risk in investment portfolio is borne by the policyholder.
Unit Linked Individual Life Insurance Savings Plan (UIN:110L112V06)


Choose
funds you trust
for returns you deserve

In this policy, the investment risk in investment portfolio is borne by the policyholder.
Unit Linked Individual Life Insurance Savings Plan (UIN:110L112V06)

Choose funds you trust
for returns you deserve
 

Tata AIA
Fortune Pro

Be it insurance or investment, trust the top rated. Invest in a ULIP plan that promises market-linked returns1 from funds rated 4 or 5^ by Morningstar~


Tata AIA
Fortune Pro


Be it insurance or investment, trust the top rated. Invest in a ULIP plan that promises market-linked returns1 from funds rated 4 or 5^ by Morningstar~

Investment growth with market-linked returns1 & loyalty additions~~

Investment growth with market-linked returns1 & loyalty additions~~

27.29% Returns+ for Multi Cap Fund (Benchmark: 15.68%)

27.29% Returns+ for Multi Cap Fund (Benchmark: 15.68%)

Save Income tax# as per applicable tax laws

Save Income tax# as per applicable tax laws

Neeraj Chopra Promoting Tata AIA Life's Fortune Pro

Grow your wealth with our top
rated funds^

Grow your wealth with our top
rated funds^

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    Plan Snapshot

    Personalise your plan as per your priorities.

    • Wealth creation
      along with life cover

    • Enjoy life cover up to the age of 80

    • Flexibility to choose from a range of funds

    • Regular Loyalty Additions~~ to boost investments
    • Switch funds in response to the market conditions
    • Flexi payment options  Single/Annual/Half-yearly/ Quarterly/Monthly
    Need advice on a new plan?
    Let our experts get back to you.
     

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    Plan Benefits of Tata AIA Fortune Pro

    Wealth Creation

    Wealth Creation

    This Plan helps you build your wealth over the years by investing a portion of the premium amount regularly in investment funds of your choice under the policy.  

    Fund Options

    Fund Options

    You get to choose from a range of fund options as per your risk appetite and investment goals. Enjoy the benefit of switching between investment funds that can help you get closer to the expected investment returns.

    Life Cover

    Life Cover

    Keep your family safe with a long and protective life cover for up to 80 years of age.

    Loyalty Additions

    Loyalty Additions

    Your investment can be boosted with loyalty additions~~ as an incentive for staying consistently invested in the plan over the investment period. These additions add to the total corpus in your fund to boost your wealth plan.

    Highlights of Tata AIA Fortune Pro

    • Flexible Premium Options

      This ULIP plan enables you to choose from different policy terms and premium payment terms along with your choice of premium payment mode so that you can align your financial goals with your investment horizon.

    • Optional Riders

      Select one or all of the optional rider% benefits offered under the policy for additional coverage on your policy. Protect your family from unforeseen events or benefit from a waiver of premium when needed.

    • Strategized Investment

      Align your investment portfolio with the Tata AIA Life Insurance Enhanced SMART portfolio strategy, a systematic transfer plan to help your investment grow in a structured manner in a volatile equity market.

    • Tax Benefits

      Get Income Tax benefits as per the prevailing income tax laws#.

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    Our experts are happy to help you!

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    Who Should Opt for Tata AIA Fortune Pro?

    As a Unit-Linked Insurance Plan, the Tata AIA Fortune Pro is designed for investors who want to create and build their wealth over the medium to long term. With a life cover sum assured, an opportunity to create a financial corpus and enhance your policy with optional coverage, you should get the Tata AIA Fortune Pro if you are:

    • A Young Working Professional

      Investing in a ULIP during your earlier service years can help you handle more investment risk than in the later years. Therefore, find a suitable ULIP as per your risk appetite and medium to long-term investment goals.

      A Young Working Professional

      Investing in a ULIP during your earlier service years can help you handle more investment risk than in the later years. Therefore, find a suitable ULIP as per your risk appetite and medium to long-term investment goals.
    • Looking for Diversification

      Investors keen to diversify their portfolio can add a Unit-Linked Insurance Plan to their investments that will not only help them earn market-linked returns1 but offer extensive life cover protection for their family’s financial security.

      Looking for Diversification

      Investors keen to diversify their portfolio can add a Unit-Linked Insurance Plan to their investments that will not only help them earn market-linked returns1 but offer extensive life cover protection for their family’s financial security.
    • Seeking Market-Linked Returns1

      New investors looking for a guided investment approach to market-linked instruments can select a ULIP policy after carefully selecting a policy as per their risk profile and investment goals to earn returns from the market.

      Seeking Market-Linked Returns1

      New investors looking for a guided investment approach to market-linked instruments can select a ULIP policy after carefully selecting a policy as per their risk profile and investment goals to earn returns from the market.
    • Planning Your Retirement

      A ULIP policy can help you earn market-linked returns1 and accumulate your wealth over a medium to long term. Such a financial corpus, if well-planned, can serve your needs and obligations during your retirement years.

      Planning Your Retirement

      A ULIP policy can help you earn market-linked returns1 and accumulate your wealth over a medium to long term. Such a financial corpus, if well-planned, can serve your needs and obligations during your retirement years.

    Why Do You Need Tata AIA Fortune Pro?

    • Cost-effective/affordable - Why Purchase Term Insurance Plans Online?
      Life Cover Protection

      Get life cover of up to 80 years of age, to keep your loved ones safe from any future unforeseen eventualities. In case of any unfortunate event such as death of the life assured before the end of the policy term, the life cover will pay out the sum assured death benefit for their financial security.

    • Enhance Term Insurance coverage with Rider Benefits
      Premium Redirection

      You can redirect your future premium allocation to a different set of funds. This facility is available at no extra cost and you can choose to redirect the premiums as and when you review your investments.

    • Mobile SMS Icon"
      Enhanced SMART

      By opting for the Enhanced SMART (Enhanced Systematic Money Allocation & Regular) portfolio strategy, the policy enables you to invest in debt-oriented funds and equity-oriented funds that offer your investments the benefit of rupee cost averaging in a volatile financial market.

    • Choose your sum assured to get coverage which is at least 10 times of your annual income
      Partial Withdrawals

      Once the lock-in period of your ULIP is complete, the policy allows you to make up to four free partial withdrawals from your investment fund. This ensures you can fulfil any emergency needs or financial obligations that may arise during the course of the policy term.

    How does this plan work?

    Step 1 : Select a Suitable Sum Assured

    Depending on the choice of your premium payment mode – Single Pay, Regular Pay, Limited Pay, you can choose a minimum or maximum basic sum assured, as per your needs and affordability.

    Step 2 : Choose the Policy Term and Premium Payment Term

    With convenient options of policy terms and premium payment terms and modes, you can select one option that best aligns your investment and life insurance goals with the policy term.

    Policy Term

    6 to 40 years

    Premium Paying Term

    Single Pay

    Limited Pay – 5 to 20 years

    Regular Pay– 12 to 40 years

     

    Step 3 : Complete the Online Purchase

    When you buy our Tata AIA Fortune Pro policy online, we offer different digital payment channels through which you can pay your premium and complete the purchase.

    IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER | Unit Linked Individual Life Insurance Savings Plan (UIN: 110L112V06)
     

    Tata AIA
     

    Fortune Pro
     
    Key Features:

    • A ULIP Plan with all funds rated 4 or 5 stars^ by Morningstar~

    • Start investing with as low as Rs 1000 /month**

    • Regular Loyalty Additions~~ to boost your investments

    • You can choose from range of fund options for enhanced investment opportunities

    • Get tax benefits as per applicable tax laws#  


    Check Eligibility

     

    Minimum Issue Age 

    (Age last birthday)

    0 years (30 days)

    Maximum Issue Age 

    (Age last birthday)

    65 years

    Minimum Maturity Age 

    (Age last birthday)

    18 years

    Maximum Maturity Age 

    (Age last birthday)

    80 years

    Policy Term

    6 to 40 years

    Premium Paying Term

    Single Pay

    Limited Pay – 5 to 20 years

    Regular Pay – 12 to 40 years

    Pay Mode

    Single, Annual, Semi-Annual,

    Quarterly, Monthly

    Minimum Premium1

    Single Pay – ₹25,000

    Regular/Limited Pay – ₹12,000per annum

    Maximum Premium1

    Single Pay – ₹5,00,000

    Regular/Limited Pay – ₹5,00,000

    per annum

    Minimum Basic Sum Assured2

    For Single Pay –

    1.25 times the Single Premium

    For Regular / Limited Pay –

    7 * AP

    Maximum Basic Sum Assured2

    For Single Pay –

     

     

     

    Max Multiple of Single Premium

    Entry Age / Policy Term

    Up to 10

    11 to 20

    >20

    < =35

    10

    5

    1.25

    36 to 40

    7

    5

    1.25

    41 to 45

    5

    1.25

    1.25

    > 45

    1.25

    1.25

    1.25

     



    For Regular / Limited Pay  



    Entry Age Band

    Maximum Multiple of AP

    0 to 29

    30

    30 to 35

    20

    36 to 45

    Higher of the (Policy Term/

    2 or 15)

    46 to 65

    Higher of the (Policy Term/

    2 or 10)

    AP = Annualised Premium. It is the premium to be paid in a year and does not include taxes, rider premiums and underwriting on extra premiums on riders, if any.

    1Increase or decrease in Premium is not allowed under this plan. If Premium is the starting point, Premium should be chosen to be a multiple of ₹1,000. 
    2Increase or decrease in Basic Sum Assured by changing the premium multiple is allowed subject to Underwriting and limit set by the Company. If Basic Sum Assured is the starting point, Basic Sum Assured should be the next higher multiple of ₹1,000.

    Add Life Insurance Investment Riders


    The following ridersare available under this plan 

    Frequently Asked Questions

    Generic Policy Cover Claim

    What is a life insurance investment plan?

     A life insurance investment plan comes with the dual benefit of medium to long-term investment as well as life insurance cover to protect your loved ones. Under this type of plan, you can choose your investment funds as per your investment objectives, tenure and affordability and pay your premiums towards the plan.

    The premiums will be divided between the investment and the life cover of the life insurance policy. These plans can be a good choice for investors seeking to create a wealth plan through market-linked returns1.

    Are Unit-Linked Insurance Plans the same as savings plans?

    No, Unit-Linked Insurance Plans are not the same as savings plans. Under savings plans, you save your money in the life insurance policy by paying the premiums and at the end of the policy term, you receive guaranteed returns that have been accumulated throughout the policy term. On the other hand, Unit-Linked Insurance Plans do not offer guaranteed returns as they are market-linked products and offer returns accordingly.

    Therefore, your investment returns will be based on the market performance of your selected funds. However, the life cover under a ULIP is guaranteed and so, in the event of your death, the sum assured, as promised, will be paid out to your nominee.

    How do I purchase a ULIP?

    You can choose to buy a ULIP offline or online. The offline purchase can be made by visiting any of the Tata AIA Life Insurance branch offices. Alternatively, if you want to buy the policy online, simply head to our Buy Online page and fill in your details to purchase your Unit-Linked Insurance Plan.

    Are there any tax benefits on ULIPs?

    A ULIP investor can avail of tax benefits of up to ₹1,50,000 on the policy premiums paid towards the ULIPs under Section 80C of the Income Tax Act, 1961. However, this is applicable where the premiums do not exceed 20% of the sum assured for plans purchased before April 01, 2012. For a ULIP purchased after April 01, 2012, the premium should be less than 10% of the sum assured.

    Under Section 10 (10D) of the Income Tax Act, 1961, the maturity benefits under the ULIP will be tax-free. And if you continue your investment through the lock-in period of 5 years, you can continue enjoying the tax benefits.

    Is it better to buy a policy online?

    Buying your policy online helps you save more time as the online purchasing process is quick and easy. Moreover, you can also check the different plan options, calculate your ULIP returns online, and read the online brochure and reviews before buying the plan from the comfort of your home. In the case of offline plans, the process of researching your ULIP and buying it is more time-consuming.

    Does Tata AIA Fortune Pro offer any fund options?

    Yes, the Tata AIA Fortune Pro allows you to choose from range of different investment funds as per your investment objectives and risk appetite. You can either opt for a few or all of the fund options available under the plan. Additionally, you can also opt for switching between the funds during the course of the policy term if you want to realign your fund options with the expected returns.

    What is the lock-in period of Tata AIA Fortune Pro?

    When you invest in Tata AIA Fortune Pro, the lock-in period for this Unit-Linked Insurance Plan is 5 years starting from policy inception. During this period, you may not liquidate your funds, make any complete or partial withdrawals or surrender the policy. Hence, if you are seeking a steady investment that cannot be liquidated or interrupted for a given time period, you can opt for Tata AIA Fortune Pro.

    What is the minimum and maximum entry age for this investment plan?

    The Tata AIA Fortune Pro policy can be issued at the minimum entry age of 0 years and 30 days. The maximum entry age for this ULIP is 65 years.

    What are the riders available under this Unit-Linked Insurance Plan?

    The following riders% are available under this policy:

    • Tata AIA Accidental Death and Dismemberment (Long Scale) (ADDL) Linked Rider  - Linked, Individual, Health Insurance Rider (UIN: 110A027V02 or later)
    • Tata AIA Waiver of Premium (Linked) Rider - Linked, Individual, Health Insurance Rider (UIN: 110A026V02 or later)
    • Tata AIA Waiver of Premium Plus (Linked) Rider - A Non-Linked, Non-Participating, Individual Health Insurance, Premium Paying Rider (UIN: 110B029V02 or later)
    • Tata AIA Vitality Protect Plus - A Non-Linked, Non- Participating Individual Health rider (UIN: 110A048V03 or any later version)
    • Tata AIA Vitality Health Plus - A Non-Linked, Non- Participating Individual Health rider (UIN: 110A047V02 or any later version)
    • Tata AIA Life Insurance Linked Comprehensive Health Rider - A Non-Linked, Non- Participating Individual Health rider (UIN: 110A031V03 or any later version)
    • Tata AIA Life Insurance Linked Comprehensive Protection Rider - A Non-Linked, Non- Participating Individual Health rider (UIN: 110A032V03 or any later version)

    Can I top-up my sum assured under this ULIP?

    Yes, this Unit-Linked Insurance Plan enables you to top up your sum assured. However, you may not increase or decrease the top-up sum assured during the policy term once you have opted for this facility. 

    How does the top-up feature work?

    The minimum top-up amount offered under this plan is ₹5000 and the acceptance of the top-up is subject to the underwriting guidelines of Tata AIA Life Insurance. The total amount of the top-up premiums cannot exceed the sum of the base policy premiums paid throughout the policy term.

    You can choose to allocate the top-up amount as per your needs to all or some of your chosen funds under the plan and this premium will also be subject to the lock-in period of 5 years unless the policy is completely withdrawn.

    What is the death benefit under this plan?

    In case the policyholder has also opted for a top-up sum assured, then in case of Life Assureds death, their nominee stands to receive highest of top-up sum assured or the fund value of the top-up premium or 105% return of the total top-up premiums paid until the date of death.

    What is the maturity benefit of this plan?

    If you survive the policy term of the Tata AIA Fortune Pro policy, you are eligible to receive a payout of the total fund value. This fund value comprises of the Regular/Single premium fund value and the top-up premium fund value (if any), valued at the Net Asset Value as on the date of the policy’s maturity.

    What is the life insurance cover offered by this plan?

    The life cover option under the Tata AIA Fortune Pro policy offers life insurance protection to you and your family until the maximum maturity age of 80 years.

    What are my premium payment options under this plan?

    You can choose the Single Pay option where all your premiums can be paid as a lump sum. Or you could opt for the Limited Pay option for 5 to 20 years. Under the Regular option, you can pay the premiums for a premium paying term of 12 to 40 years, respectively.

    • Single

    • Monthly

    • Quarterly

    • Semi-Annual

    • Annual 

    Is it possible to make partial withdrawals on this ULIP?

    The Tata AIA Fortune Pro policy has a lock-in period of 5 years during which no partial or complete fund withdrawals are allowed. However, subject to the policy being in force after 5 years from the policy issuance, a minimum partial withdrawal of Rs 5000 under the regular premium option can be made. However, this amount is subject to the total fund value of the policy as per the withdrawal guidelines.

    Moreover, for a policy purchased on the behalf of a minor, partial withdrawals can only be made once the insured reaches 18 years of age. Each year, you can make up to four free partial withdrawals.

    Do I need to file a separate claim for the rider benefits?

    Yes, the rider% benefits can only be claimed when the insured is affected by the events covered under the rider. The riders cover accidental death or disability or waiver of premium, subject to rider terms and conditions.

    What are the documents required for a claim settlement?

    You can click here to know the list of all the documents needed for the claim intimation and settlement process.

    How do I file a claim under this policy?

     To file a claim, you can choose any of the following channels to reach out to us:

    • You can visit our official website, go to the Claims page to upload your documents and register your claim online.

    • For a chat-based service, type “CLAIM” and send it on our WhatsApp number 7045669966

    • If you need the documents to be picked up from your home, give us a call.

    • Look for your nearest Tata AIA Life Insurance branch office here and visit us.

    • Get in touch with us at customer.care@tataaia.com or on our helpline number 1860-266-9966 or NRI number +91-80-67603700 for any claim-related assistance.

    Looking to buy a new insurance plan? 

    Our experts are happy to help you!

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    Disclaimers 

    • The complete name of Tata AIA Fortune Pro is Tata AIA Life Insurance Fortune Pro (UIN: 110L112V06) - Unit Linked Individual Life Insurance Savings Plan.
    • The complete name of Tata AIA Waiver of Premium (Linked) Rider is Tata AIA Life Insurance Waiver of Premium (Linked) Rider (UIN: 110A026V02 or any other later version) - Linked, Individual, Health Insurance Rider.
    • The complete name of Tata AIA Waiver of Premium Plus (Linked) Rider is Tata AIA Life Insurance Waiver of Premium (Linked) Rider (UIN: 110A025V02 or any other later version) - Linked, Individual, Health Insurance Rider.
    • ^All funds open for new business which have completed 5 years since inception are rated 4 or 5 star by Morningstar on a 5 year basis as of Nov’ 2023
    • ~~Loyalty Additions will be credited only if Policy is in-force and all due premiums have been paid. For Regular Pay & Limited Pay, additional units @ 0.20% of units in each of the funds under Regular Premium Account will be credited (post deduction of applicable charges) to the respective funds every Policy Anniversary starting from eleventh (11th) Policy Anniversary till end of Policy Term. For Single Pay, additional units @ 0.35% of units in each of the funds under the Single Premium Account will be credited (post deduction of applicable charges) to the respective funds every policy anniversary starting from sixth (6th) Policy Anniversary till end of Policy Term. Loyalty Additions are not payable on Top-up Premium Account. 
    • ~©2020 Morningstar. All rights reserved. The Morningstar name is a registered trademark of Morningstar, Inc. in India and other jurisdictions. The information contained here: (1) includes the proprietary information of Morningstar, Inc. and its affiliates, including, without limitation, Morningstar India Private Limited (“Morningstar); (2) may not be copied, redistributed or used by any means, in whole or in part, without the prior, written consent of Morningstar; (3) is not warranted to be complete, accurate or timely; and (4) may be drawn from the data published on various dates and procured from various sources and (4) shall not be construed as a n offer to buy or sell any security or other investment vehicle. Neither Morningstar, Inc. nor any of its affiliates (including, without limitation, Morningstar) nor any of their officers, directors, employees, associates or agents shall be responsible or liable for any traducing decisions, damages or other losses resulting directly or indirectly from the information
    • *The Premium payable under the policy is exclusive of applicable taxes, duties, surcharge, cesses or levies.
    • 1Market-linked returns are subject to market risks and terms & conditions of the product. The assumed rate of returns or illustrated amount may not be guaranteed and depends on market fluctuations.
    • #Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfilment 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.
    • 5 year computed NAV for Multi Cap Fund as of Dec 2023. Other funds are also available in Tata AIA Life Insurance Fortune Pro.
    • $Tax 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.
    • %Rider is not mandatory and is 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/ branch.
    • Tata AIA Accidental Death and Dismemberment (Long Scale) (ADDL) Linked Rider - Linked, Individual, Health Insurance Rider (UIN: 110A027V02 or later), Tata AIA Waiver of Premium (Linked) Rider - Linked, Individual, Health Insurance Rider (UIN: 110A026V02 or later), Tata AIA Waiver of Premium Plus (Linked) Rider - A Non-Linked, Non-Participating, Individual Health Insurance, Premium Paying Rider (UIN: 110B029V02 or later), Tata AIA Vitality Protect Plus - A Non-Linked, Non- Participating Individual Health rider (UIN: 110A048V03 or any later version), Tata AIA Vitality Health Plus - A Non-Linked, Non- Participating Individual Health rider (UIN: 110A047V02 or any later version), Tata AIA Life Insurance Linked Comprehensive Health Rider - A Non-Linked, Non- Participating Individual Health rider (UIN: 110A031V03 or any later version) are available under this plan.
    • Vitality is a trademark licensed to Tata AIA Life by Amplify Health Assets PTE. Limited, a joint venture between Vitality Group International, INC. and AIA Company Limited. The assessment under the wellness program (Tata AIA Vitality) shall not be considered as a medical advice or a substitute to a consultation/treatment by a professional medical practitioner.
    • Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policy holder will not be able to surrender/ withdraw the monies invested in Linked Insurance Products completely or partially till the end of the fifth year.
    • Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA Life Insurance Fortune Pro is only the name of the Unit Linked Life Insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns.
    • The fund is managed by Tata AIA Life Insurance Company Ltd.
    • 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.
    • Past performance is not indicative of future performance. Returns are calculated on an absolute basis for a period of less than (or equal to) a year, with reinvestment of dividends (if any).
    • Investments are subject to market risks. The Company does not guarantee any assured returns. The investment income and price may go down as well as up depending on several factors influencing the market.
    • Please make your own independent decision after consulting your financial or other professional advisor.
    • Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. Please know the associated risks and the applicable charges, from your Insurance Agent or Intermediary or Policy Document issued by the Insurance Company.
    • Various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. The underlying Fund's NAV will be affected by interest rates and the performance of the underlying stocks.
    • The performance of the managed portfolios and funds is not guaranteed, and the value may increase or decrease in accordance with the future experience of the managed portfolios and funds.
    • Premium paid in the Unit Linked Life Insurance Policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the Insured is responsible for his/her decisions.
    • Please know the associated risks and the applicable charges, from your insurance agent or the Intermediary or policy document issued by the Insurance Company.
    • Insurance cover is available under the product. 
    • The products are underwritten by Tata AIA Life Insurance Company Ltd. 
    • The plans are not a guaranteed issuance plan, and it will be subject to Company’s underwriting and acceptance.
    • For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
    • L&C/Advt/2024/Jan/0219

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