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    Tata AIA Life Insurance Company Limited will send you updates on new products, services, insurance solutions, existing policy or related information and/or process your information in accordance with Privacy Policy. Select here to opt.

    The linked insurance product does 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.

    Capital Guarantee & Immediate Income Solution


    With the Capital Guarantee & Immediate Income solution, you will receive regular income while grow your money through market-linked4 investments. It ensures your invested amount stays safe, helps build your wealth, and provides life cover to protect your family's financial future.
     

    What Is the Tata AIA Capital Guarantee and Income Solution?


    The Tata AIA Capital Guarantee and Immediate Income Solution combines two popular plans: Tata AIA Fortune Guarantee Supreme (Savings plan) and Tata AIA Smart Fortune Plus (ULIP plan). 

    This combination offers the best of both worlds:

    • Savings for regular income from the savings plan.

    • Market-linked investment returns4 from the ULIP plan.

    This solution is designed to meet your diverse financial needs, providing both stability and growth for your long-term financial goals.

    *T&C apply

    Looking to buy a new insurance plan? 

    Our experts are happy to help you!

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    This advertisement is designed for combination of Benefits of two or more individual and separate products named (1) Tata AIA Smart Fortune Plus - Non-Participating, Unit Linked Individual Life Insurance Savings Plan (UIN: 110L177V01) and (2) Tata AIA Fortune Guarantee Supreme - Individual, Non-Linked, Non-participating, Life Insurance Savings Plan (UIN110N163V10).

    Benefits at a Glance

    • Financial Security

      The life cover will serve as a financial shield, providing the sum assured to your nominees in the event of your unexpected demise at any time during the policy tenure.

    • Security of Investment5

      The premium amount paid by you will be secured to offer a regular income and a lump sum benefit at the end of the income term.

    • Market-Linked Returns4

      You can choose from our top-rated investment fund1 options to grow your wealth and achieve your future financial goals.

    • Get your premium amount back

      At the end of the income term, you will receive the lump sum benefit, which is the return of all the premium3 amount paid.

    • Guaranteed* Maturity Payout

      You get the flexibility to decide the percentage of your guaranteed* maturity amount based on your financial needs.

    • Liquidity with Partial withdrawals

      From the 6th policy year, you can make partial withdrawals6 to meet your financial needs at different stages of life.

    *T&C apply
     

    What Is a Combo Insurance Plan?


    A combo insurance plan combines two or more life insurance policies into a single comprehensive solution. Combo plan offers multiple benefits, such as life cover, savings, and investment opportunities, all in a single plan.

    Tata AIA Life Insurance combo insurance plans simplify managing your financial needs by providing a single policy that addresses multiple life goals. With this plan you can enjoy the benefits of life insurance, savings, and investments without the hassle of handling multiple policies over the long term.

    Why Choose Combo Solution for Your Financial Needs?

    • 01

      Get Comprehensive Coverage

      A combo solution offers a bundled package of financial benefits, including life cover, guaranteed* maturity payout, regular income, and market-linked returns4. It addresses multiple financial needs under one product solution. 
    • 02

      Cost Effective

      Combo plans offers bundled plans at an affordable cost compared to purchasing individual policies separately.
    • 03

      Tailored solutions

      A combo insurance solution offers tailored solutions to suit your unique life stage and financial goals.
    • 04

      Tax Benefits

      Get income tax11 benefits as per applicable income tax laws and save more 


     

    Plan At a Glance

    Plan Parameters Minimum Maximum
    Combination Products  Tata AIA Smart Fortune Plus; Non-Participating, Unit Linked Individual Life Insurance Savings Plan (UIN: 110L177V01)and Tata AIA Fortune Guarantee Supreme; Individual, Non-Linked, Non-participating, Life InsuranceSavings Plan (UIN110N163V10). 
    Age at Entry (years)## 18 50

    Age at Maturity(years)##

    18 85

     

    Premium Payment Term(PPT)(years) /Policy Term(years)

     

     

     

    Combination

    PPT

    PT

    Tata AIA Smart Fortune Plus and and Tata AIA Fortune Guarantee Supreme

    7

    15

    10

    21

    12

    25

    Capital Guarantee Variation 80%, 100%, 150% and 200%
    Income Term(years) Subject to Policy Term
    Income Mode Annual and Monthly
    Premium (₹) (in multiples of 1000) 50,000 No Limit, subject to Board approved underwriting guidelines
    Premium Payment Mode Annual / Half Yearly / Quarterly / Monthly

     

    Capital Guarantee & Immediate Income Solution is a combination of Tata AIA Smart Fortune Plus and Tata AIA Fortune Guarantee Supreme
    ##All reference to age is as on last birthday.

    See All See Less

    Why Choose Tata AIA Life Insurance?

    85 Lakh+

    Families protected so far7

    1 Lakh Crore+

    Assets Under Management8

    Top-rated Funds

    Our funds have been rated 4 or 5 stars1 by Morning Star9

    99.13%

    Individual Death Claim Settlement Ratio10 for FY23-24

    Looking to buy a new insurance plan? 

    Our experts are happy to help you!

    +91

    Download Documents

    Frequently Asked Questions

    Generic Plan Cover Claim

    What are the advantages of combo insurance plans over individual insurance plans?

    Combo plans offer comprehensive coverage, combining the benefits of multiple life insurance plans into one single policy. 

    In addition, when you choose a combo insurance plan with savings and investment options, you can optimise diverse investment strategies to increase your financial security and capital growth potential. 

    How do combo insurance plans cater to the diverse financial objectives of an individual?

    Combo insurance plans combine two or more life insurance plans, offering the multiple benefits of each plan. As each plan has specific financial objectives, combining these products can diversify and enhance your financial protection and growth initiatives. 

    For example, a combo plan with savings and investment benefits will provide life cover, the opportunity to accumulate funds systematically over the policy period, and the option to invest in the financial market to accumulate wealth over time.

    Which Tata AIA Life Insurance Plans are combined to form the Tata AIA Life Insurance Capital Guarantee and Immediate Income Solution?

    The Tata AIA Capital Guarantee and Immediate Income Solution combines two popular plans: Tata AIA Fortune Guarantee Supreme and Tata AIA Smart Fortune Plus

    What are the guaranteed* benefits under the Tata AIA Life Insurance Capital Guarantee and Income Solution?

    With the Tata AIA Life Insurance Capital Guarantee and Immediate Income Solution, you will get a guaranteed* Guaranteed immediate Income till end of policy term. 

    At the end of the income period, you will be offered a guaranteed* lump sum benefit, which is the return of premium3 applicable to the Tata AIA Life Insurance Fortune Guarantee Supreme component of the plan.

    What are the premium payment terms and policy terms applicable to the Tata AIA Life Insurance Capital Guarantee and Income Solution?

    For a policy tenure of 15, 21, or 25 years, you can choose between 7, 10, and 12 years as the premium payment term. 

    Can I withdraw funds during the policy tenure?

    Yes, you can withdraw6 from the Tata AIA Capital Guarantee and Immediate Income Solution after the completion of 5 years, which is the lock-in period applicable to a ULIP policy. 

    Can the coverage under this policy be customised to individual preferences?

    Yes, you can choose the sum assured as per your requirement for the life cover under this policy. By revising the premium payment term and policy term, you can derive the most affordable premium for the coverage.

    Can the coverage be increased during the policy tenure?

    No, the life coverage will be determined during policy inception and cannot be changed during the policy tenure.

    How can I register a claim under Tata AIA Life Insurance Capital Guarantee and Income Solution?

    What are the documents required to raise a claim?

    Click here to learn the different types of documents required to raise a claim.

    How can I track the status of my claim?

    You can track the status of your claim online by providing the individual policy number here.

    Disclaimer

    • In this policy, the investment risk in investment portfolio is borne by the policyholder. 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.
    • This advertisement is designed for combination of Benefits of two or more individual and separate products named (1) Tata AIA Smart Fortune Plus - Non-Participating, Unit Linked Individual Life Insurance Savings Plan (UIN: 110L177V01) and (2) Tata AIA Fortune Guarantee Supreme - Individual, Non-Linked, Non-participating, Life Insurance Savings Plan (UIN110N163V10). 
    • These products are also available for sale individually without the combination offered/ suggested. This benefit illustration is the arithmetic combination and chronological listing of combined benefits of individual products. The customer is advised to refer to the detailed sales brochure of respective individual products mentioned herein before concluding the sale.
    • *Guaranteed Income shall be expressed as a % of Annualized Premium and varies by Age, premium payment term and premium chosen. 
    • 1All funds open for new business which have completed 5 years since inception are rated 4 star or 5 star by Morningstar as of December 2024
    • 25-year computed NAV for Multi Cap Fund as of Dec 2024. Other funds are also available. Benchmark of this fund is S&P BSE 200.
    • 3Applicable for Tata AIA Fortune Guarantee Supreme 
    • 4Market-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.
    • 5Get security on investment by having premium in the form of Regular Income and Lumpsum benefit as Return of premium at the end of Income term through Tata AIA Fortune Guarantee Supreme (UIN110N163V10)
    • 6Liquidity through partial withdrawal from ULIP funds after completion of 5 years
    • 785,76,889 families protected till 31st December 2024.
    • 8As on 31st December 2024, the company has a total Assets Under Management (AUM) of Rs. 1,19,602.78 Crores
    • 9©2024 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.
    • 10Individual Death Claim Settlement Ratio is 99.13% for FY 2023 - 24 as per the latest annual audited figures.
    • 11Income 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 implication mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefits available to you.
    • These assumed rates of return are not guaranteed and there are no upper and lower limits of what you might get back at Maturity, due to the fact that the value of your Policy is dependent on a number of factors including future investment performance. The customer has the choice of purchasing any one or more products as per his/her need and choice and there is no compulsion whatsoever that these products are to be taken together as suggested by the Insurer and presented in this advertisement. The customer is expected to ask questions, understand and satisfy himself that the combination meets his/her specific needs better before deciding to purchase the suggested combination. The illustration in this advertisement is the arithmetic combination and chronological listing of combined benefits of individual products. 
    • The fund is managed by Tata AIA Life Insurance Company Ltd. (hereinafter the “Company”).
    • 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).
    • All investments made by the Company 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 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.
    • 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. These products are underwritten by Tata AIA Life Insurance Company Limited.
    • Unit Linked Life Insurance products are different from traditional insurance products and are subject to risk factors. Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA Smart Fortune Plus 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 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. Please know the associated risks and the applicable charges, from your insurance agent or the Intermediary or policy document issued by the insurance company. Linked insurance products do not offer any liquidity during the rst ve years of the contract. 
    • The customer is advised to refer the detailed product brochure of respective individual products, segregated premium particulars of each product. 
    • The premium amount shown in the illustration above is indicative and calculated assuming that the life Proposed/Assured is a healthy person. 
    • For details of the rates and the terms and conditions applicable to the particular person/policy, kindly refer to the speciation’s in the policy document after issuance.
    • For more details on risk factor, terms and conditions, please read Sales brochure of the particular plan carefully before concluding a sale.
    • Insurance cover is available under these products.
    • These plans are not a guaranteed Issuance plan, and it will be subject to Company’s underwriting and acceptance
    • Depending upon the factors such as health, occupation of the customer and other intrinsic factors such as non-submission of documentary evidence like age proof, the premium will be adjusted accordingly, as per the underwriting guidelines of Tata AIA Life Insurance Company Limited.
    • To know the details of premium and benefits for each plan of this combination solution please go through the benefit illustration of individual product as provided to you. 
    • 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 total premiums paid. 
    • All Premiums, Charges, and interest payable under the policy are exclusive of applicable taxes, duties, surcharge, cesses or levies which will be entirely borne/ paid by the Policyholder, in addition to the payment of such Premium, charges or interest. Tata AIA Life shall have the right to claim, deduct, adjust, recover the amount of any applicable tax or imposition, levied by any statutory or administrative body, from the benefit payable under the Policy.
    • L&C/Advt/2025/Jan/0251
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