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Plan a dream retirement with Tata AIA Smart Pension Secure to get a lifetime of financial security to enjoy your golden years. With our comprehensive plan, you can look forward to a worry-free future, enjoying the lifestyle you’ve always dreamed of.
Get better returns by investing in funds rated 4 or 5 stars1 by Morningstar2, reflecting strong performance and reliability to grow your retirement savings.
With Zero Premium Allocation charges, your entire premium gets invested in the fund of your choice.
Maximize your retirement savings with Loyalty Additions8 and maturity boosters10, designed to reward you for staying invested.
After the lock-in period, you can make partial withdrawals9 from your accumulated corpus for easy access to funds in emergencies or other specific financial needs.
Keep your retirement plan secure even during challenging times by opting for the built-in Waiver of Premium feature.
Increase your policy coverage with an optional OPD rider, offering financial support for outpatient medical expenses.
Smart Pension Secure
This plan option allows you to invest your premiums in the market, allowing you to earn returns without being charged for premium allocation. You have the flexibility to switch your funds as often as you like to maximise your investment growth. Upon maturity, you can choose how to receive benefits, provided all premiums have been paid. However, if the policyholder passes away during the policy term, the death benefit will be paid out, and the policy will close.
Smart Pension Secure Plus
Smart Pension Secure Plus option offers additional security for your loved ones. In the unfortunate event of the policyholder's death, the nominee will receive the death benefit, and the future premiums (if applicable) will be covered by the insurance company. This ensures that the policy continues, and the benefits are preserved, offering peace of mind for the policyholder knowing that their loved ones will be financially protected.
Why Choose Tata AIA Life Insurance?
Assets under Management5
Individual Death Claim Settlement Ratio6 in FY23–24
Families protected so far7
Presence across major cities in India
Our experts are happy to help you!
Why should I invest in a Unit Linked pension plan?
Unit linked pension plans offer the benefits of growing your funds by investing in markets and provide a steady income post-retirement.
Can I switch between different funds in this plan?
Yes, Tata AIA Smart Pension Secure offers the flexibility to switch between various market-linked funds3, allowing you to adapt your investment strategy based on market conditions and your financial goals as per policy terms and conditions.
Are there any tax benefits associated with Tata AIA Smart Pension Secure?
Yes, premiums paid, and benefits received under this plan are eligible for tax4 deductions as per prevailing tax laws.
What is the difference between the Smart Pension Secure and Smart Pension Secure Plus?
What are Loyalty Additions?
Loyalty Additions8 are made every year, to the fund value starting from end of 6th policy year till the end of policy term thereby enhancing your retirement corpus.
What is Maturity Booster?
Basis your policy maturity year, Boosters10 shall be added to your fund value on the day of maturity depending on the plan option chosen.
Disclaimer
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: 110L182V03) - Non-Participating, Unit Linked, Individual Life Insurance Pension Plan
*5-year computed NAV for Multi Cap Fund as of November 2024. Other funds are also available. Benchmark of this fund is S&P BSE 200
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.
2©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.
3Market-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.
4Income 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.
5As on 03rd April 2024, the company has a total Assets Under Management (AUM) of Rs.100,099.11 Crores
6Individual Death Claim Settlement Ratio is 99.13% for FY 2023-24 as per the latest annual audited figures.
785,76,889 families protected till December ’24
8Loyalty additions only available with Option 2: Smart Pension Secure Plus
9Partial withdrawals only available 3 times during the entire policy term and only for reasons specified in IRDA Regulations as amended from time to time
10Loyalty additions and maturity boosters are only available for purchase through online/digital channels
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.
Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA Smart Pension Secure 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
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.
This product is underwritten by Tata AIA Life Insurance Company Ltd.
The plan is 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.
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, extra premiums will be charged as per our underwriting guidelines.
L&C/Advt/2025/Apr/1803
FOR EXISTING POLICY 
FOR NEW POLICY 
