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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 Premium12 feature.
Increase your policy coverage with an optional rider11, offering financial support for outpatient medical expenses.
Get income tax4 benefits as per applicable tax laws and save more.
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 FY24–25
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
FOR EXISTING POLICY 
