The linked insurance product 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 Smart Pension Secure (UIN: 110L182V09) - Non-Participating, Unit Linked, Individual Life Insurance Pension Plan
The complete name of Fortune Guarantee Plus is Tata AIA Life Insurance Fortune Guarantee Plus (UIN: 110N158V14) - Non-Linked, Non-Participating, Individual Life Insurance Savings Plan.
1All funds open for new business which have completed 5 years since inception are rated 4 star or 5 star by Morningstar as of August 2025.
©2025 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 data published on various dates and procured from various sources and (5) shall not be construed as an 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 trading decisions, damages or other losses resulting directly or indirectly from the information.
2Partial withdrawals only available 3 times during the entire policy term and only for reasons specified in IRDA Regulations as amended from time to time
3The word Guaranteed and Guarantee means the annuity payout is fixed at inception of the policy and will be payable for whole of life or till death of the Annuitant(s).
4Income Tax benefits would be available as per the prevailing income tax laws under old tax regime, 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.
No Goods and Service Tax shall be applicable on Individual life insurance products as per prevailing laws. Tax laws are subject to amendments from time to time. Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfilment of conditions stipulated therein. The Tax-Free income is subject to conditions specified under section 10(10D) and other applicable provisions of the Income Tax Act,1961. 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.
598,01,699 families protected till 31st May 2026.
6Individual Death Claim Settlement Ratio is 99.41% for FY 2024 - 25 as per the latest annual audited figures.
7Applicable to only non-early claims more than 3 years of policy duration, non-investigation cases, up to Sum assured of 50 lacs. 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.
8Market-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.
9Illustration shows monthly premium of ₹10,000 for Tata AIA Smart Pension Secure for a 30-year-old male, standard life, premium payment term: 10 years, policy term: 30 years with 100% investment in Tata AIA Future Equity Pension fund. 4% and 8% are assumed rates of return. 15.07% is the 5-year return of Tata AIA Future Equity Pension fund as of April'26. Maturity amount: ₹21,83,733 at 4% returns, ₹58,01,296 at 8% returns and ₹3,02,63,047 at 15.07% returns. The fund value calculation is done by projecting the past returns of Tata AIA Future Equity Pension Fund for 30 years after adjusting for all expenses in Tata AIA Smart Pension Secure Plan. The above values have been calculated assuming 15.07% CAGR, which is the past 5-year return of Future Equity Pension Fund projected for 30 years as of April'26. Benchmark of this fund is Nifty 50
105-year computed NAV for Future Equity Pension Fund as of April 2026. Other funds are also available. Benchmark of this fund is Nifty 50.
Some benefits are guaranteed, and some benefits are variable with returns based on the future performance of your insurer carrying on life insurance business. If your policy offers guaranteed benefits, then these will be clearly marked "guaranteed" in the illustration table on this page. If your policy offers variable benefits, then the illustrations on these pages will show two different rates of assumed future investment returns. Currently the gross investment returns are stipulated as 4% p.a. and 8% p.a. These assumed rates of return are not guaranteed, and these are not the upper or lower limits of what you might get back, as the value of your policy is dependent on a number of factors including actual future investment performance.
11Source: https://www.pib.gov.in/PressReleasePage.aspx?PRID=2122148®=3&lang=2
12Rider 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.
13Loyalty additions and maturity boosters are only available for purchase through online/digital channels
14As on 31st March 2026, the company has a total Assets Under Management (AUM) of ₹145,589 Crore
15Illustration shows monthly premium of ₹10,000 for Tata AIA Smart Pension Secure for a 25,30,35,and 40 year-old male, standard life, premium payment term: 10 years, policy term: 35,30,25,20 years with 100% investment in Tata AIA Future Equity Pension fund. 4% and 8% are assumed rates of return. 15.07% is the 5-year return of Tata AIA Future Equity Pension fund as of April'26. Maturity amount for 25 years old, Policy term:35 years, Premium term: 10 years is ₹24,76,534 at 4% returns, ₹79,86,013 at 8% returns and ₹5,73,28,930 at 15.07% returns. Maturity amount for 30 year old, Policy Term:30 years, Premium payment Term: 30 years is ₹21,83,733 at 4% returns, ₹58,01,296 at 8% returns and ₹3,02,63,047 at 15.07% returns. Maturity amount for 35 years old, Policy term: 25 years, Premium Payment Term: 10 years is ₹19,27,521 at 4% returns, ₹42,18,459 at 8% returns and ₹1,59,81,690 at 15.07% returns. Maturity amount for 40 years old, Policy term: 20 years, Premium payment term: 10 Years is ₹17,03,317 at 4% returns, ₹30,71,686 at returns 8% and ₹84,46,112 at 15.07% returns. The fund value calculation is done by projecting the past returns of Tata AIA Future Equity Pension Fund for 35,30,25,20 years after adjusting for all expenses in Tata AIA Smart Pension Secure Plan. The above values have been calculated assuming 15.07% CAGR, which is the past 5-year return of Future Equity Pension Fund projected for 35,30,25,20 years as of April'26. Benchmark of this fund is Nifty 50
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 the Intermediary or Policy Document issued by the Insurance Company. Please make your own independent decision after consulting your financial or another professional advisor.
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).
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. Premium paid in 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
The fund is managed by Tata AIA Life Insurance Company Ltd. (hereinafter the "Company"). Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & TATA AIA Smart Pension Secure is the Unit linked insurance product.
Tata AIA Life Insurance as its prefix 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 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.
The investment income and price may go down as well as up depending on several factors influencing the market. Please know the associated risks and the applicable charges, from your Insurance Agent or the Intermediary or Policy Document issued by the Insurance Company. Please make your own independent decision after consulting your financial or other professional advisor. Returns are calculated on an absolute basis for a period of less than (or equal to) a year, with reinvestment of dividends (if any). All investments made by the Company are subject to market risks. The Company does not guarantee any assured returns.
Life insurance cover is available under the solution. For details on products, associated risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale.
The premium paid in 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. The 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. On survival to the end of the policy term, the Total Fund Value including Top-Up Premium Fund Value valued at applicable NAV on the date of Maturity will be paid
L&C/Advt/2026/Sep/5044
FOR EXISTING POLICY 
1860 266 9966
FOR NEW POLICY 
10 mins read
