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.

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.

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.

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.

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.

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.

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.

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?

Tata AIA Accidental Death and Dismemberment (Long Scale) (ADDL) Linked Rider Tata AIA Waiver of Premium (Linked) Rider Tata AIA Waiver of Premium Plus (Linked) Rider Tata AIA Vitality Protect Plus Tata AIA Vitality Health Plus .

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.

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.

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.

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

The Tata AIA Fortune Pro policy has a lock-in period of 5 years during which no partial or complete fund withdrawals are allowed.

What are the documents required for a claim settlement?

You can visit- tataaia.com/customer-service/easy-claims.html 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?

The following riders% are available 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.

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In this policy, the investment risk in investment portfolio is borne by the policyholder.
Non-participating, Unit Linked, Individual Health Insurance Plan (UIN: 110L168V04)

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