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Investment Plans


Investing in financial products is an important money goal. It helps streamline your income and direct it towards a financial planning strategy that ensures your money grows in value long-term. The accumulated wealth will help you accomplish your future financial goals and manage a financial crisis.

There are different types of investment plans that increase your wealth based on your money goals and risk appetite. Therefore, it is important to understand the various financial products to choose the right products and ensure effective investment planning.

What Is an Investment Plan?


An investment plan is a financial instrument that helps you maximise your savings and increase your wealth based on a systematic long-term investment. It will encourage you to invest a certain amount periodically in a disciplined manner to create sustainable wealth for securing your future.

Choosing the right investment plans based on your affordability, risk appetite and future financial goals is important to accomplish them timely. Investment plans help increase your wealth by accounting for the inflation rate. Therefore, it will suffice for future requirements considering the increase in price levels based on inflation.

Some of the best investment plans in India are based on money market instruments and financial securities that help your wealth grow consistently over the long term. However, as the returns are market-linked, you must understand your risk appetite before choosing the right investment plan in India.

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Benefits Of Investment Plans


With varied investment options in India, you must understand the benefits of investment planning and start early to ascertain the required funds at different stages in your life.

  • Securing Your Family

    If you are the sole earning member of your family, it is important to have adequate financial resources to secure your family in the event of your unexpected demise. Investment plans can help you create wealth for your family in the long term that can secure their life in your absence. 

  • Accomplish Future Financial Goals

    The financial goals keep varying at different stages in your life. As these financial goals must be accomplished at a future date, the financial planning should account for the inflation rate. The different investment plans in India will help you plan and invest in the available options based on your timelines and help you achieve your goals timely. 

  • Wealth Creation

    The different investment plans assist in wealth creation at different rates subject to the policy terms and market conditions. The higher the risk, the greater the returns earned over the long term. 

  • Flexibility

    Flexibility is one of the most important benefits of investment options in India. You can choose the product based on your financial needs, and invest in them regularly at a convenient frequency such as every month, semi-annually or annually, etc.

  • Tax Benefits

    Some investment plans provide tax^ deductions and exemption benefits that reduce the income tax liability by reducing the taxable income.  



Are you looking for a plan with Guaranteed* Returns? Know More About Our Best-Selling Plan – Tata AIA Fortune Guarantee Plus

Happy Family Financially Secured Under Fortune Guarantee Plus Plan

Non-Linked, Non-Participating, Individual Life Insurance Savings Plan (UIN:110N158V07)

Tata AIA

Fortune Guarantee Plus

Key Features:

  • Get guaranteed* tax free^ returns

  • Health Cover against 40 critical illnesses$

  • Save tax^ up to 46,800**

  • Avail free online medical consultation^^

  • Get your premiums+ back at the end of the income period.



What Are the Types of Investment Plans?


Before making the bigger investment decision, it is important to know the different types of investment plans and understand the features, risk factors, and tax-saving benefits.

High-Risk Investments

High-risk investments have a high probability of price fluctuations during volatile market conditions. In addition, the investment value can be affected to a great extent if there is a political or economic change globally. However, given the high risks involved, these high-risk investments can yield higher returns over the long term.

Therefore, high-risk investments are a good option if you have a high-risk appetite and are looking for long-term capital gains.

  • Direct Equity - Investing in direct equity, if made on the right stocks, can provide higher returns over the long term. The returns on equity investment are based on factors such as the company's financial condition, industry, investment decisions, risk management strategies, etc. Therefore, analysing the company profile is important to invest in their stocks for high returns.
    As the risk involved increases, you can diversify your portfolio across different industries to ensure the investment value is not greatly affected. You can also analyse your risk profile and use the stop-loss method to secure your investment. The stop-loss method will sell all your orders when the stock price reaches a certain value.
    However, knowing the financial market and the functioning of the BSE and NSE, factors that affect the investment value, and the impact is essential to ascertain higher returns over the investment tenure.
  • Equity Mutual Funds - If you have a higher risk appetite and lack the knowledge to invest in the equity market, equity mutual funds are a good option.
    In a mutual fund, you can choose the fund options that you want to invest in based on your risk profile, and the Asset Management Company will manage your investments and make the necessary decisions timely. You can discuss investment decisions with your fund manager and revise your portfolio anytime.
    The fund options can have a combination of different stocks, and in equity mutual funds, the major proportion is based on high-risk stocks. Some of the common equity funds for long-term best returns are the Large Cap, Mid Cap, Flexi Cap, ELSS (Equity Linked Savings Scheme), etc.

Medium-Risk Investments

The medium-risk investments offer balanced returns. It involves a fair or equal combination of the high-risk and the low-risk fund options. Therefore, the diversified portfolio balances growth and secures your investment and financial goals from the highly volatile financial market.

  • Hybrid Funds - The hybrid funds in the equity market combine the high-risk equity fund option and the low-risk debt fund option. Therefore, even if there is a greater impact on the investment value due to global economic changes, the investment value remains stable due to an equal proportion of the investment in the debt funds.
  • Unit Linked Insurance Plan (ULIP Plan) - The ULIP plan is a comprehensive life insurance policy that provides a life cover and the opportunity to invest in the financial market. Thus, it provides financial security to your family in your absence and the option for wealth creation.
    The ULIP policy provides different fund options for investors, such as equity, debt, and hybrid funds for investors who can afford high-risk, medium-risk, and low-risk investors. In addition, the ULIP plan allows switching between fund options during extreme financial conditions.
    Therefore, if a volatile market condition affects your investment value, you can switch from the equity fund option to the low-risk debt fund option. 



Know More About Our Unit Linked Insurance Plan

Protect your Family's Financial Future with Tata AIA Fortune Pro

In this policy, the investment risk in investment portfolio is borne by the policyholder. Unit Linked Individual Life Insurance Savings Plan (UIN:110L112V04)

Tata AIA

Fortune Pro

Key Features:

  • Enjoy life cover up to the age of 75

  • Our funds have been rated 4 or 5 stars~ by Morning star@

  • Investment growth with market-linked returns1 & loyalty additions2

  • 21.95% Returns3 + for Multi Cap Fund (Benchmark: 11.94%)

  • Save taxes as per applicable income tax^ laws

 
 
  • Arbitrage or the Hybrid Mutual Fund - The arbitrage or the hybrid mutual fund creates returns by buying and selling financial securities in different markets to use and benefit from price changes. As the investment is made in a mutual fund, the fund manager will monitor the stock prices and promptly decide whether to buy or sell the right stocks.  

Low-Risk Investments

Low-risk investments provide reasonable and consistent returns over the investment tenure and are not drastically affected by market conditions. Therefore, bears less risk compared to high-risk and medium-risk investments.

  • Debt Mutual Funds - A debt fund is a mutual fund that will invest your money in fixed-income instruments such as corporate debt securities, money market instruments, and corporate and Government bonds. They are less volatile, provide stable returns and are highly liquid.
  • Money market instruments - Money market financial instruments are low-risk investments with an investment tenure of less than a year. The Government and the companies use it to raise short-term debt for their financial needs. They are listed both in the NSE and BSE stock exchanges.
    Some of the common money market instruments are commercial papers, treasury bills, certificates of deposits, etc., The RBI revises the interest rates, and as the maturity is less than a year, the risk is comparatively lower.
  • Gold - Gold is considered a beneficial investment as it protects against inflation, is easy to buy and sell, and has a stable price. It has been increasing in value over recent years. As an alternative to possessing physical gold, you can invest in the Sovereign Gold Bonds issued by the RBI. At maturity, you can redeem these bonds and receive the cash benefit.
  • Real Estate - Real estate is another investment option that ensures value appreciation over the long term if invested in the right property. In addition, you can ascertain sufficient cash flow through a regular rental income. It is a safe investment option as its value does not fluctuate frequently based on financial market conditions.
  • Fixed Maturity Plan (FMP) - It is a debt fund instrument that invests the amount in fixed income instruments such as bonds, certificates of deposits, etc., to ensure consistent returns over the investment period. It has a fixed tenure and minimum exposure to interest rate risks.
  • Public Provident Fund (PPF) - PPF is a long-term investment plan introduced by the Government. The investors have to deposit a certain amount regularly into the PPF account. The investment amount will earn interest over the investment period. The accumulated fund and the interests earned will be provided as the maturity benefit at the end of the policy tenure. The lock-in period for the investment is 15 years. The current interest rate is 7.1%.
  • National Pension Scheme (NPS) - The NPS is a pension scheme introduced by the Government for Central and State Government employees and employees in the organised and unorganised sectors. The contribution is 10% of the salary for other employees and 14% for Government employees.
    The contribution to this scheme has to be made by the employees and the employers equally. The contribution made to the NPS is invested in the financial securities and provides market-linked returns at maturity. As the NPS is customisable, it is considered one of the low-risk, high-return investments.
    When you retire, you can withdraw up to 60% of the accumulated fund. The remaining 40% of the fund should be invested in an annuity plan for a monthly income after retirement.
  • Senior Citizens Savings Scheme (SCSS) - Senior Citizens Savings Scheme is an investment plan for senior citizens who want to invest their retirement funds. The interest earned from the SCSS will be credited to your savings account maintained at the post office. The lock-in period is 5 years. The investment period can be extended for 3 years. The minimum and maximum investments applicable are ₹1000 and ₹1.5 Lakh. The current interest rate is 7.4%.
  •  Sukanya Samriddhi Yojana (SSY) - The Sukanya Samriddhi Yojana is one of the best investment plans to secure the life of your girl children. You can open it for up to two of your girl children who are less than 10 years old.
    The investment period is 21 years from the date of opening the account or after she attains the age of 18 when the girl child gets married. However, you will have to contribute to the account for 15 years. The current interest rate is 7.6%.
  • National Savings Certificate (NSC) - NSC is a scheme introduced by the Government that provides guaranteed returns. The interest is compounded annually and payable at the end of the policy tenure. The current interest rate is 6.8% per annum and the lock-in period is 5 years.
  • Bank Fixed Deposit (FD) - Fixed Deposit is one of the best investment plans for conservative investors. You can choose the investment amount, investment period, and interest payout frequency.
    In addition, you can withdraw funds from the FDs before the maturity date, avail of loans, and reinvest the interest earned to accumulate a huge fund at the end of the investment tenure. The interest rate ranges between 3% and 7.5%.
  • Bank Recurring Deposit (RD) - It is a bank term deposit that lets you make deposits regularly and earn returns on the same. It is a flexible investment option for those who do not have a lump sum to invest for the long term.
  • Post Office Time Deposit - Post Office Time Deposits are similar to Fixed Deposits offered by banks. You can deposit a certain amount for short or medium terms, such as between 1 and 5 years, to earn interest on the same. It can provide interests higher than that of bank FDs.  

Factors To Consider While Choosing Investment Plans


Before choosing an investment plan in India, you must consider certain factors. It will help in making the right financial decision.

  • Returns on investment

    Return on investment is the financial benefit from the investment plan against its cost. Therefore, evaluating the returns on investment and the factors that affect the returns is important to ensure you benefit from the investment scheme as expected.

  • Risk

    Investment plans based on market-linked returns involve a risk factor. For example, an investment plan with high returns, such as direct equity, involves increased risks. A slight change in the market conditions due to political or economic factors can affect the price of financial securities to a great extent lowering their investment value. Therefore, it is important to consider the risk factor associated with the investment scheme and ensure it is affordable for you, considering your family's financial commitments.

  • Flexibility

    Flexibility is a crucial factor in considering investment plans. For example, the investment scheme should have a flexible premium paying mode and frequency, be liquid enough to manage emergencies, have options to choose between high-risk and low-risk fund options, etc., 

  • Cost

    If you regularly invest in an investment plan, you should ensure that the cost is affordable. It should not affect your routine financial expenses and future financial commitments. Making a monthly financial budget and a long-term financial plan, including the financial goals and the investment objectives, will help invest in the financial products comfortably. 



Why Should You Invest?


You must have sufficient financial resources to secure your future and the future of your loved ones.

While your savings can help manage an emergency or accomplish a short-term financial goal, they cannot assist in fulfilling your long-term financial goals.

Achieving long-term financial goals requires adequate investment planning considering the inflation rate and future financial needs for wealth creation. Moreover, it requires a systematic investment for multiplying and accumulating your money in the long term.

Therefore, investing in different investment plans and diversifying the portfolio can utilise your income maximally for securing your future by accumulating during the long term.


When Should You Start Investing in an Investment Plan?


Investments in financial products and their related returns are based on a timeline. Therefore, the longer the investment is made, the higher the returns.

Before you decide on the best investment plan with high returns, investment tenure, and the time you want to start investing, you must find the timelines required to accomplish your specific financial goals and the funds required. Then, based on these inputs, you can find the investment period, amount, and tenure.

However, the earlier you start investing, the earlier you develop the discipline to invest regularly, and the higher the financial benefits you can conveniently accumulate over the long term.


How To Choose the Investment Plan?


Financial institutions in India provide the best investment plans for the different categories of investors.

As the investment options in India are many, you should know how to choose the right investment plan for your financial needs. Here are a few steps to help you best in this regard.

  • 01.

    Analyse your risk appetite and short-term and long-term financial goals.

  • 02.

    Find the timelines to accomplish the short-term and long-term financial goals.

  • 03.

    Make a monthly financial budget, including routine grocery expenses, travel, clothing, and other miscellaneous expenses. Then, allocate a certain amount of funds to invest in the different investment plans for the long term.

  • 04.

    Based on your future financial goals and the timelines to accomplish them, decide on the type of investment plan considering the risk involved and the applicable returns. 

  • 05.

    Compare the best investment plans in India, considering their features, benefits, and cost to determine the most suitable investment plans for your financial needs.

  • 06.

    Create a diversified portfolio, including multiple investment plans with different risk profiles to ensure sustainable returns. 

  • 07.

    Revise the investment plans periodically based on the changing financial needs. 

  • Best Investment Plans for the Long Term

    Apart from considering the features, benefits, risks, and returns, it is equally important to find the right investment period for your financial goals.

    If you target achieving financial goals such as paying for your child's higher education, starting a new business, etc., the investment period is generally for the long term. For example, it can be for a term of 10 years, 12 years, etc.

    Investments for achieving long-term goals can bear a high risk as the impact due to short-term volatility will get negated during the long term.

    Here are a few long-term investment plans.

    • Mobile Banner Image

      Direct equity

    • Mobile Banner Image

      Equity Mutual Funds

    • Mobile Banner Image

      Gold

    • Right Tick Icon

      Real Estate

    • Right Tick Icon

      Small savings schemes, such as PPF (Public Provident Fund), SCSS (Senior Citizen Savings Scheme), Sukanya Samriddhi Yojana, etc., 

    • Mobile Banner Image

      National Pension Scheme

    • Right Tick Icon

      Unit Linked Insurance Plan (ULIP Plan)

  • Best Investment Plans for the Medium Term

    Medium-term financial goals are planned for after 3-5 years. It can be paying the down payment for your dream house or car, planning a wedding, etc. Investments for the medium term should have a good balance between risk and returns to ensure consistent returns.

    Here are a few investment options for the medium-term investment plan.

    • Hybrid Funds

    • Debt Mutual Funds

    • National Savings Certificate

    • Post Office Time Deposit 


Best Investment Options for the Short Term


Short-term investment plans are liquidated within 1 to 3 years. However, the investment period can sometimes extend to 5 years based on revised investment decisions.

The short-term investment plans have a lower risk profile, are highly liquid, and provide considerable returns. Some of the common objectives of short-term investment plans are for planning a vacation, receiving returns on idle funds, etc.,

There are various short-term investment options. It would help if you analysed your purpose of investing to choose the best short-term investment plan.

Here are a few short-term investment plans for the different investment tenures.

1 year

3 years

5 years

Fixed Deposits

Equity Linked Savings Schemes

Liquid funds

Recurring Deposits

Fixed Maturity Plan

Large Cap Mutual Fund

Debt Mutual Funds

Liquid Funds

Post Office Time Deposit

Arbitrage Funds

Fixed Deposit

ULIP Plan

Fixed Maturity Plan

Arbitrage funds

Post Office Monthly Income Scheme

Post Office Deposits

Gold

Bank Fixed Deposit and Recurring Deposit

Money Market Instruments

Short term and Ultra Short-term fund options

Arbitrage Funds



  • Which Investment Plan Suits Your Financial Needs in India?

    Different investment options for various risk profiles and investment tenures exist in India. Therefore, choosing the best investment plan for your individual financial needs should be based on the following factors:

    • Risk appetite

    • Financial goals

    • Affordability

    • The required return on investment

    • Required investment period


Documents Required to Buy Investment Plans


Here is a detail about the documents required to buy investment plans in India.

Identity Proof Age Proof Address Proof Income Proof

Aadhar Card - Documents required to purchase a life insurance policy
Aadhar Card

Pan Card - Documents required to purchase a life insurance policy
PAN card

Voter ID

Passport

Birth Certificate

PAN Card

Aadhaar Card

Voter ID

Passport

Passport

Driving License

Aadhaar Card

Voter ID

  • Salaried individuals

    • Latest Form 16

    • Bank statement for the last 3 months

    • ITR document for the last two years

  • Self-employed individuals

    • Form 26AS

    • Computation of income and ITR (Income Tax Returns) for the last 2 years not filed in the same year. If the computation of income is not possible, ITR (Income Tax Returns) for the last 3 years not filed in the same year.

    • Profit and Loss account and Certified Audited balance sheet.

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  • Wealth plans
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Frequently Asked Questions

What are some good investment options in India?

Some of the good investment options in India are:    

  1. Direct equity
  2. Equity Mutual Funds
  3. Arbitrage Funds
  4. Debt Mutual Funds
  5. Post Office Schemes
  6. Money Market Instruments
  7. Real Estate
  8. Gold

Which investment gives the highest return?

Equity investments can give the highest return in the long term. However, the investment involves high risk considering the market volatility and the global economic and political conditions.

How do you withdraw from investments?

Every investment plan has defined terms and conditions for the withdrawal. For example, partial withdrawal from the ULIP plan is permissible after the 5-year lock-in period. The funds withdrawn will be credited to the investor's account after successfully verifying the withdrawal request.

How can I start investing in my early 20s?

In your early 20s, you will earn more and be less bound by family commitments. Therefore, you can diversify your portfolio with a higher proportion of equity investments. The portfolio can include other investment options such as hybrid and debt mutual funds, real estate, etc. However, the investment plan should be based on your income, financial commitments, and long-term goals. 

How can I save money from my salary?

You can save money from your salary by making a detailed financial plan. Firstly, you need to make a monthly budget, including the regular grocery expenses, clothing, medicines, etc., Secondly, find your short-term and long-term financial goals and the timelines to achieve them. Thirdly, find the right investment plans and set aside the required amount for saving and investing for the future by investing in them. Thirdly, ensure to stay within the budget and invest in the chosen investment plan regularly. And finally, revise your investment plan and increase your regular investment based on your salary increments.

Which is the best monthly investment plan?

The best monthly investment plan is based on your financial goals, risk appetite, and affordability. For example, if you are looking for high returns over the long term, you can invest in Equity Mutual Funds, providing monthly investment options. You can also opt for the Unit Linked Insurance Plan with monthly premium payment options. And, if you are a conservative investor seeking investments for retirement needs, you can invest in the PPF (Public Provident Fund) monthly. 

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Disclaimer  

  • The complete name of Tata AIA Fortune Guarantee Plus is Tata AIA Life Insurance Fortune Guarantee Plus - Non-Linked, Non-Participating, Individual Life Insurance Savings Plan (UIN: 110N158V07)
  • *Guaranteed 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
  • **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.
  • ^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.
  • ^^ Service is currently being provided by Practo. Medical Consultation is available under eligible policies of Tata AIA Life Insurance. Medical Consultation feature is optional. It is the customer’s sole discretion to avail Medical Consultation and to follow the advice suggested by the service provider. All medical-related dealing will be directly with the service provider and not with Tata AIA Life Insurance. It is available only for Life Assured of active policies for select products/riders. This feature can be discontinued, or service provider may be changed at any time at Tata AIA Life Insurance’s discretion. This feature is provided by a third-party service provider and Tata AIA Life Insurance shall not be liable for any liability arising due to customer opting to avail this feature.
  • +Return of Premium Benefit is The Total Premiums Paid (excluding loading for modal premiums and discount) by the policyholder will be payable at the end of the Income Period, irrespective of survival of the life insured(s) during the Income Period.
  • 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.
  • The complete name of Tata AIA Fortune Pro is Tata AIA Life Insurance Fortune Pro (UIN: 110L112V04) - Unit Linked Individual Life Insurance Savings Plan.
  • ~on a 5-year basis as of September 2022. 
  • @©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
  • 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.
  • 2Loyalty 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.
  • 35-year computed NAV for Multi Cap Fund as of September 2022. Other funds are also available in Tata AIA Life Insurance Fortune Pro.
  • 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.
  • 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.
  • For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding a sale.
  • Insurance cover is available under the products.
  • 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.
  • All Premiums and interest payable under the policy are exclusive of the taxes, rider premiums, underwriting extra premiums, loading for modal premiums, if any which will be entirely borne/ paid by the Policyholder, in addition to the payment of such Premium or interest. Tata AIA Life shall have the right to claim, deduct, adjust, and recover the amount of any applicable tax or imposition, levied by any statutory or administrative body, from the benefits payable under the Policy.
  • This publication is for general circulation only. This document is for information and illustrative purposes only and does not purport to any financial or investment services and do not offer or form part of any offer or recommendation. This document is not and should not be regarded as investment advice or as a recommendation regarding any particular security or course of action.
  • L&C/Advt/2023/Jan/0020
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