Call Us

FOR EXISTING POLICY

Have query on premium, payout or any servicing need?

Call us:

1 860 266 9966

Monday - Saturday | 10 am - 7 pm IST

Call charges apply

Dedicated NRI Helpdesk:

+91 22 6251 9966

Monday - Saturday | 10 am - 7 pm IST

Call charges apply

FOR NEW POLICY

Want to buy a new policy online?

Call us:

+91 22 6984 9300

Give missed call for a call back:

+91 11 6615 8748

Monday - Sunday | 8 am - 11 pm IST


Exclusively for NRIs:

Call us:

Give missed call for a call back:

+91 11 4473 0242

Monday – Sunday | 9 am – 9 pm IST

Language

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


 

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 Wealth Creation Plans

 


Invest In Your Future: Grow Your Wealth with Our Top-Rated% Market Linked~ Funds

 

Tata AIA Wealth Creation Plans


Invest In Your Future: Grow Your Wealth with Our Top-Rated% Market Linked~ Funds

  • Get life insurance coverage to protect your family

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

  • Save Income Tax up to Rs 46,800++

You are one step away from achieving your dreams

You are one step away from achieving your dreams

+91

    TATA AIA Life Insurance Co. Ltd will send you updates on your policy, new products & services, insurance solutions or related information. Select here to opt-in.

    We all make big plans for the future and for the happiness of our family. These plans can pertain to education, travel, hobbies, a business venture and much more. Being able to fulfil all your goals and dreams can give you a sense of accomplishment.

    However, the lack of finances can be a major hurdle when it comes to meeting your needs. A shortage of funds can also be problematic during your retirement years when you need to have a stable source of income. To combat this problem, what you really need is a long-term wealth creation plan. Let us know more about wealth creation plans and how they can be utilised for your benefit.

    Looking to buy a new insurance plan? 

    Our experts are happy to help you!

    +91

    Select plan
    • Term plans
    • Saving plans
    • Retirement plans
    • Wealth plans
    • I don't know/I need help

    TATA AIA Life Insurance Co. Ltd will send you updates on your policy, new products & services, insurance solutions or related information. Select here to opt-in

    What is Wealth Creation?
     

    The market is replete with a number of financial products, such as Unit-Linked Insurance Plans, savings plans and other market-linked~ instruments that can help you build your wealth. When you opt for any of these products to create a financial plan and fulfil your monetary goals and needs, the process is known as wealth creation.

    Wealth creation can and should start as early as possible or as soon as you earn enough money to start an investment or save money. It is also important to be consistent with your wealth creation plan as it helps you invest regularly and prepares you for any kind of future emergencies.

    Wealth creation is necessary for anyone and everyone since traditional savings plans may not always be enough to fulfil major expenses. Additionally, when you have a strong wealth plan in place, it can also become your retirement fund and provide regular income for your and your family’s daily needs.

     

    • Why is Wealth Creation Important?

      When you start earning and providing for your family, it is important that you have a long-term wealth creation plan. The future is always uncertain and can bring lots of surprises. However, these moments need to be financially backed up, which is not possible if you are on a monthly salary.
       

      To ensure that you are able to accumulate your wealth and grow it, you should be able to put aside some funds each month into a suitable wealth creation plan that will help you meet your goals without any financial hurdles.
       

      Below are some of the most important reasons that make wealth creation an important part of our life:
       

      Future Goals

      A lot of your plans and goals cannot be met immediately simply because gathering such an amount of funds at short notice is not possible. While taking a loan may seem feasible, note that depending solely on a loan may not be beneficial. Hence, major future goals such as your child’s education, your new business venture or a big family vacation need a solid wealth creation plan.

      Adequate Funds

      Even though you may have some emergency funds in place, they are meant to be used only for medical emergencies. Spending your emergency funds for your goals can leave you with little to no financial backup. A long-term wealth creation plan can be a great addition to your financial planning so that when it comes to meeting your goals, you do not have to reconsider your finances.

      Sudden Unemployment

      During and after the pandemic, it can be clearly seen how unemployment can become a major problem. Apart from that, an accidental disability or a critical illness can render you unemployed for an extended period of time. If you have a wealth creation plan in place, not only will your treatment and recovery be taken care of, but also your family can continue to sustain themselves.

      Greater Liquidity

      Many conventional savings methods come with extended lock-in periods, and when you urgently need the funds, liquidating the money can be a time-consuming process. Your wealth creation plan ensures that you are able to access the money whenever you need it and in the amount of your choice. 

      Financial Independence

      A wealth creation plan for the future not only means fulfilling your goals and your family’s needs but also indicates financial freedom. With such a plan, you need not depend on anyone, especially when your main source of income is missing. A lot of expenses can be taken care of without having to depend on lenders and loans if you have a solid wealth creation plan in place.

    Know more about our Best-Selling Wealth Creation Plan – 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:

    • A ULIP Plan with our funds rated 4 or 5 stars% by Morningstar~~

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

    • Regular Loyalty Additions^^ to boost investments

    • Get tax benefits as per applicable tax# laws


    Tips for Long-Term Wealth Creation

     

    These are some of the ways in which you can build your wealth over the long term:

    • 01

      Set Your Goals

      Before you understand what wealth, creation is all about, you will need to consider all your goals and obligations that need to be fulfilled. Plan your long-term goals such that you can save and invest enough funds over the years. The financial corpus should be adequate for your needs.
    • 02

      Start Saving Early

      Start saving some funds each month to build a regular saving habit even when you are still planning how to go about your wealth creation planning. By starting early, you can learn how to accumulate your wealth and later, with a more concrete plan in hand, you can invest the money in different avenues.
    • 03

      Plan For Emergencies

      It is not possible to avoid some accidents or illnesses, but the best you can do is prepare yourself financially for the repercussions. The medical treatment, the hospitalisation and the post-treatment phase need sufficient financial backing, and these expenses need to be planned out well in advance.
    • 04

      Find Suitable Investments

      Not all investments are suitable for all types of investors. Depending on your risk profile, you will need to look for low, moderate, or high-risk investment options. Even Unit-Linked Insurance Plans allow that flexibility so that you need not risk losing money in an investment that is not in sync with your goals.
    • 05

      Plan For Your Retirement

      A long-term wealth creation plan can be an optimal support system for your retirement years. With about 10-20 years at hand, you can start planning such that by the time your salary stops coming in, you are able to use your saved or invested funds for a regular income or for further investments.
    • 06

      Assess It Often

      It is important to keep track of your wealth creation plan and review all your options periodically. This should be done to ensure that your wealth plan is generating returns as per your expectations. If not, you can always consider other alternatives that help your wealth plan give better returns.
    • 07

      Clear Your Debts

      At some point in time, you may have to take a loan for additional financial support. However, ensure that you do not go into debt. Pay off your loans and clear your debts on time so that when you have an emergency, your wealth plan does not have to handle your debts and unpaid loans.
    • 08

      Learn To Manage Wealth

      Any kind of savings can be good for money management. But this also means that you should keep track of all your expenses. Divide your income such that you are able to manage your savings, investments, and expenses. Over the long term, this can help you save your wealth and enable it to grow.
    • 09

      Be Consistent

      Investing in a wealth creation plan should be a consistent and regular habit. This is why you should opt for a wealth plan that lets you save some funds each month or on a quarterly or annual basis. As long as you are regular with your investment, your chances of building a solid wealth plan are better.

    Factors to Consider While Choosing a Wealth Creation Plan

    • Financial Goals

      Map out your financial goals to get a clear understanding of how much you need to save to achieve them. You can save the money as per your preference. This will help you determine the type of wealth creation plan that is best suited for your needs.

    • Existing Expenditures

      Take your current expenses into account when choosing a wealth creation plan. This includes your monthly bills, loan payments, and other fixed expenses. This can also comprise any small expenses that may need to be met intermittently throughout the month.

    • Planned Expenditures

      Consider any planned expenses that you may have in the future, such as buying a house or starting a family. These expenses should be considered when choosing a long-term wealth creation plan that will help you achieve your financial goals.

    • Financial Dependents

      If you have financial dependents, such as children or elderly parents, consider their financial needs when opting for a long-term wealth creation plan. Such a plan can take care of their aspirations in the event of your untimely demise or any other medical emergency.


     


    Use Our Free Online Calculator to Know How Much You Must Invest to Achieve Your Life Goals

    Calculate your premium amount and take control of your financial future today!

     


    Who Can Invest in a Wealth Creation Solution?
     

    Wealth creation solutions are quite flexible and are designed to meet the needs of investors with various risk appetites and investment goals. You can easily start a wealth creation solution once you know your goals, investment tenure, and your expectations. If you belong to any of the below categories of investors, you can start a wealth creation investment:

    • Investors With Long-Term Goals

      If you are an investor who wants to fulfil their long-term goals over a tenure of 5-8 years, such as purchasing a new home, setting up a business or a charity trust, or earning a stable regular income, then it is essential for you to start a long-term investment in wealth creation to meet all your obligations.

      Investors With Long-Term Goals

      If you are an investor who wants to fulfil their long-term goals over a tenure of 5-8 years, such as purchasing a new home, setting up a business or a charity trust, or earning a stable regular income, then it is essential for you to start a long-term investment in wealth creation to meet all your obligations.
    • Investors With Short-Term Goals

      Investors looking to fulfil their goals over a period of less than 3-5 years are short-term investors. Therefore, a short-term wealth creation plan for them would serve to take care of their immediate investment needs, or goals, such as a lavish vacation, their child’s education, or the purchase of a new car.

      Investors With Short-Term Goals

      Investors looking to fulfil their goals over a period of less than 3-5 years are short-term investors. Therefore, a short-term wealth creation plan for them would serve to take care of their immediate investment needs, or goals, such as a lavish vacation, their child’s education, or the purchase of a new car.
    • Those Planning for Retirement

      Wealth creation solutions are often used as retirement plans as they are good for investing in over the years until retirement. And once you retire, you can liquidate and withdraw a desired sum of funds at your convenience to fulfil your essential needs as well as to handle any major expenses.

      Those Planning for Retirement

      Wealth creation solutions are often used as retirement plans as they are good for investing in over the years until retirement. And once you retire, you can liquidate and withdraw a desired sum of funds at your convenience to fulfil your essential needs as well as to handle any major expenses.
    • Those Creating an Emergency Fund

      People save money all their lives to create an emergency fund for their future. With a carefully chosen wealth creation investment such as a Unit Linked Insurance Plan, it is possible to benefit from good market-linked returns that you can accumulate over the years to build a financial corpus for your emergency needs.

      Those Creating an Emergency Fund

      People save money all their lives to create an emergency fund for their future. With a carefully chosen wealth creation investment such as a Unit Linked Insurance Plan, it is possible to benefit from good market-linked returns that you can accumulate over the years to build a financial corpus for your emergency needs.


     

    Advantage of Wealth Creation with Tata AIA Life Insurance

    When you choose a wealth creation investment plan from Tata AIA Life Insurance, you can enjoy the flexibility of choosing from plans that are designed to meet your needs. This not only helps you meet all your wealth creation goals but also opens up new investment avenues for you where you can build your wealth through market-linked returns~. These are some of the advantages of choosing our Unit-Linked Insurance Plans:

    • Flexible Plans

      You can choose a Unit-Linked Insurance Plan (ULIP) that allows you to choose a policy term as per your goals, while you can also choose to pay the premiums as a Single Pay or for a limited period. There are also a range of premium payment frequency options available to you so that you can invest as per your choice.

    • Life Cover

      All the ULIPs come with a life insurance cover that enables you to provide an added layer of financial security for your family. Your family can be protected by the life cover throughout the policy term, and in case of your untimely demise, they can sustain their livelihood through the death benefit sum assured.

    • Choice of Funds

      With a host of investment fund options to choose from, you can decide which funds will be the most suitable for your investment. And if you feel that some funds are not up to your expectations, you can switch from the current fund to another to meet your investment goals.

    • Tax Benefits

      As a ULIP investor, you can enjoy the applicable tax# laws on the premiums as well as on the death and maturity proceeds of the plan. Avail of tax deductions on the premiums payable towards the plan under Section 80C of the Income Tax Act and tax exemptions on the maturity benefits under Section 10(10D).

    • Additional Benefits

      Our ULIPs enable you to enjoy regular loyalty additions^^ to your investment if you are a consistent investor. This feature helps grow your investment corpus. Moreover, you can also choose a top-up facility to boost the corpus further.

    • Optional Riders

      Choose from a range of rider^ options for an additional premium to ensure protection against different emergencies such as critical illnesses, hospitalisation, injuries etc., or to waive off your future premium payments in the event of an accidental and permanent injury or disability.


     

    How to Ensure You Grow and Save Enough Wealth to Meet your Future Goals?

    Emergencies come unannounced, and this makes it essential for us to keep a solid wealth plan as a financial backup. However, it is not possible to say how much wealth is enough to fulfil your goals or to meet your emergencies. This is why, you should rely on some basic parameters to understand how much wealth creation is necessary for your needs:

    • Identify The Future Needs

      If you are already aware of your current needs, start creating a plan for your future needs. Years from now, not only will your needs and that of your family members change, but the same will happen with the inflation rates. Keeping these factors in mind, choose a wealth plan that allows you to build a robust fund.

    • Start As Early as You Can

      Instead of holding off your wealth creation investment plans for later, start investing in the early phases of your life, even if the investment is a small one. This helps make your investment more consistent, and you can opt to increase the investment later. Moreover, an early start means a longer investment horizon.

    • Have Adequate Insurance

      Your investment plan, such as a Unit-Linked Insurance Plan, can offer a suitable life cover option to protect your family and investments from uncertain events. Choose an insurance cover that enables your family to be comfortable, even though you may not be able to provide for them at some point in time.


     

    Looking to buy a new insurance plan? 

    Our experts are happy to help you!

    +91

    Select plan
    • Term plans
    • Saving plans
    • Retirement plans
    • Wealth plans
    • I don't know/I need help

    TATA AIA Life Insurance Co. Ltd will send you updates on your policy, new products & services, insurance solutions or related information. Select here to opt-in


    Frequently Asked Questions about Wealth Creation

    How does one create a wealth creation investment plan?

    Starting a wealth creation plan begins with identifying your future needs and goals as well as your family’s needs. Also, be sure to understand how much you can afford to invest regularly over the years so that the investment does not burden you. After that, you can choose a flexible investment plan that is in line with your wealth creation goals and expectations.

    Does life insurance offer wealth creation solutions?

    Yes, under life insurance plans, you can choose Unit-Linked Insurance Plans, which are market-linked~ investment plans with a life insurance cover. Depending on your goals and your risk appetite, you can choose a ULIP to benefit from market-linked returns~ on your investment.

    Can I also opt for a life insurance cover along with my wealth plan?

    If your wealth creation plan does not have a life insurance component, then you should have a separate life cover to protect yourself, your family, and your investments. However, all Tata AIA Life Insurance Unit-Linked Insurance Plans come with a protective life insurance cover.

    Can I invest in a long-term wealth creation plan?

    Yes, you can choose to invest in a long-term wealth creation plan if you want to meet your long-term investment goals. With a long-term wealth plan, you can ensure a regular and consistent habit of investing and steadily build a financial corpus over the years that can help fulfil your future goals.

    Why is it important to create wealth over the long term?

    Building wealth over the long term helps you save and invest a regular amount of money over several years. You can choose to invest an affordable sum that does not put pressure on your other expenses.

    Do wealth creation plans offer liquidity?

    Yes, you can opt for Unit-Linked Insurance Plans, which have an initial lock-in period. However, after the lock-in phase, you can choose to make partial withdrawals to fulfil your financial obligations.

    What is the right age to start wealth planning?

    Though wealth plans offer the flexibility of investments at any age, it is advisable to start wealth planning in the early phases of your life. This way, you can initially start with a small investment and then grow the investment over the years without having to wait until later. Delaying your wealth planning may affect your investment, and your goals as your risk appetite could change over the years.

    Does Tata AIA Life Insurance offer wealth creation solutions?

    Yes, Tata AIA Life Insurance offers wealth creation solutions in the form of Unit-Linked Insurance Plans. These plans not only allow you to choose from flexible policy terms and premium payment options but also offer you a range of investment funds for your benefit. Additionally, you can also add optional riders^ to your Tata AIA Life Insurance ULIP to enhance the policy coverage.

    Can I opt for wealth creation solutions if I am a low-risk investor?

    Yes, it is possible for low-risk investors to also opt for wealth creation solutions such as ULIPs. However, it is advisable to understand that as a low-risk investor, one should opt for an investment amount and funds as per their risk profile while also carefully tracking the funds from time to time. In addition, a long-term wealth creation plan can also be optimal for low-risk investors who want to invest a small amount of money over many years.

    What goals can I fulfil with a long-term wealth plan?

    Every individual has their own set of personal, professional, and investment goals to be fulfilled. When you have a long-term wealth plan, you can list out all the goals you would like to fulfil over the years. At some point, your wealth creation plan will enable you to liquidate some amount of money to meet these needs. Be it your child’s further education, setting up a trust fund for charity, going on a wonderful vacation with your loved ones or starting your own business, there are a number of goals that a long-term wealth plan can help you achieve.

    Disclaimer

    • The complete name of Tata AIA Fortune Pro is Tata AIA Life Insurance Fortune Pro (UIN: 110L112V04) - Unit Linked Individual Life Insurance Savings Plan.
    • +5 year computed NAV for Multi Cap Fund as of September 2022. Other funds are also available in Tata AIA Life Insurance Fortune Pro.
    • ~Market-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 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.
    • ^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.
    • ++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.
    • %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 (5) 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.
    • ^^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.
    • 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. The precise terms and condition of this plan are specified in the Policy Contract
    • L&C/Advt/2023/Feb/0685
    crossImg

    Looking to buy a new insurance plan?

    Existing customer?

    or

    New user? Our experts are happy to help.

    +91

    TATA AIA Life Insurance Co. Ltd will send you updates on your policy, new products & services, insurance solutions or related information. Select here to opt-in

    Thank you for sharing your details.

    Our representative will contact you soon.