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With the exclusive Tata group employee discount, you can benefit from up to a 20% discount^ on the premiums paid for the 1st policy year! Moreover, the Tata AIA Fortune Guarantee Plus offers features such as guaranteed* tax-free# income, coverage against critical illnesses~ including heart and cancer and many more select benefits which you can easily avail of along with the Tata AIA Fortune Guarantee Plus employee discount.
Benefits of Tata AIA Fortune Guarantee Plus
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Get Guaranteed* Regular Income
Get returns in form of regular income as per your preferred frequency for up to 45 years
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Save Income Tax Up to Rs 46,800++
Get income tax# benefits as per applicable income tax laws and save tax.
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Get Your Premiums Paid Back
While you get tax-free# guaranteed* income, you will also receive the entire premium% amount paid by you.
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Joint Life Policy
With Joint Life policy option, provide life cover to your spouse under the same policy.
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Avail Critical Illness Cover
Get Critical Illness~ cover against 40 critical illnesses including Heart and Cancer
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Choose Income Frequency
Option to receive income either on a monthly or annual basis, as per your requirement.
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Add Optional Riders
You can add additional riders^^ to increase your plan coverage
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Affordable Premiums
Pay premium as per convenience in monthly instalments
*T&C apply
How will a guaranteed* income plan with help you meet your financial needs?
A guaranteed* income plan can help you achieve your financial needs and goals in the following ways:
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Get Guaranteed* Regular Monthly Income
A guaranteed* income plan aids in saving money over the long term so that you can use the corpus to meet your future goals. A return on the total premiums% at the end of the policy term helps boost your savings further.
*T&C apply
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Financial Protection
The life insurance coverage under your savings plan ensures that your family will be financially secure in the case of any unfortunate event. An adequate sum assured can ensure a financially stable life for them.
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Income Tax Benefits
When you buy a guaranteed* savings plan, you can save tax# as per applicable income tax laws
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Affordable Premium
The added benefit of Tata employee discount on Tata life insurance plans can enable you to start your savings corpus through reasonable and affordable premiums.
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Customizable Policy Term
Select a flexible policy term on your savings plan to save money over the years. On maturity, you can use the guaranteed* corpus to fulfil financial goals such as your child’s education, the purchase of a home and so on.
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Pay as per Convenience
You can choose from different premium paying terms and modes to pay your premiums conveniently. This can ensure that your life insurance policy and your savings can continue uninterrupted for the entirety of the policy term.
*T&C apply
Why Choose Tata AIA Life Insurance?
4T&C apply
Enrol in Tata AIA Vitality (Wellness Program)5
Tata AIA Vitality is a globally recognized, holistic and science-based wellness program that helps you understand and improve your health while also rewarding you.
On enrolling into the Wellness Program, you get an upfront discount6 of up to 10% on first year rider premium. The premium discount in the subsequent years may increase or decrease based on your Wellness status (Decided based on your engagement levels, i.e., completion of health assessments, achievement of fitness goals etc.).
Frequently Asked Questions
What is a guaranteed savings plan?
A guaranteed* savings plan is a life insurance solution that allows you to enjoy the dual benefits of a life cover and long-term, assured savings under the same plan. With a Tata group employee discount, you can pay reasonable premiums towards your savings policy, get life insurance coverage for your family and on maturity, get the guaranteed* income to fulfil your financial goals.
Why should I buy a guaranteed savings plan?
By purchasing a guaranteed* savings plan, you can select a policy term and a premium paying option as per your needs. This will help you save and grow your money over the long term. While you continue saving towards the policy regularly, the life cover under the plan will protect your family against any potential financial uncertainties throughout the policy term.
As a Tata group employee, you can also enjoy a Tata group employee discount of up to a 20% discount^ on your premiums paid for the first policy year. This means you save more on your guaranteed* savings plan with this offer.
When the policy matures, the guaranteed* savings will be paid out as a maturity benefit so that you can meet your financial obligations. Be it for your family or for your personal needs, this corpus can help you achieve all of these goals without being financially dependent on anyone else.
Is buying a savings plan policy online safe?
Yes, buying a savings plan policy online is safe as your personal and financial details are safe. You can securely access the official Tata AIA Life Insurance website, browse through our savings plans and select the one that perfectly meets your needs. The checkout process is seamless and our digital payment options are secure so that you can complete your online transactions safely.
Is there any discount for Tata Group employees?
Yes, there are Tata life insurance plans group employee offers that are applicable for all Tata group employees across different verticals. These discounts enable you, as a Tata group employee, to get up to a 20% discount^ on your first year’s policy premium. When filing a claim on your savings policy, you can avail of the Express Claim4 Service, which allows us to process your claim in a matter of hours.
What are the benefits of Tata AIA Fortune Guarantee Plus?
Tata AIA Fortune Guarantee Plus offers the following benefits:
- Choose a flexible policy term and get guaranteed* income with comprehensive life insurance coverage.
- Select any plan option to get either regular income or regular income with an inbuilt critical illness benefit. The savings plan also offers a return on the total premiums% paid at the end of the policy term to boost your savings.
- Get a Joint Life policy and financially secure your partner under the same policy. Avoid paying separate premiums or buying multiple life insurance policies with this option. With a Tata group employee discount^, avail of exclusive benefits such as the Express Claim4 Service for swift claim settlement.
- Choose one or more optional riders^^ to enhance your policy coverage for a nominal cost and stay protected from unforeseen risks. As a Tata group employee, you can also enjoy the Tata AIA Fortune Guarantee Plus employee discount^ on your overall premiums for the first policy year.
- Get Income tax# benefits as per applicable income tax laws
How fast is the claim settled?
With a Tata AIA Fortune Guarantee Plus employee discount, you can enjoy the exclusive Express Claim4 Service. Here, your beneficiary can submit their documents to our agent, after which the claim process will be initiated. You can, thus, receive your claim settlement within just 4 hours!
*/4T&C apply
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Disclaimers
- The complete name of Tata AIA Fortune Guarantee Plus is Tata AIA Life Insurance Fortune Guarantee Plus (UIN: 110N158V11) - Non-Linked, Non-Participating, Individual Life Insurance Savings Plan.
- ^Discount on 1st year premium will be offered. Submission of Company ID card is mandatory to opt for this discount. This offer must be sourced from the direct sales of the Company/buy online. Scheme is for employees who are Indian National and residing in India. Staff discount shall be applicable on the premiums payable in the 1st policy year only. The Company may offer a premium discount to the customers on the policies sourced by the company for employees of the promoter group namely, the Tata and the AIA group, its Subsidiaries, fellow subsidiaries, Joint Ventures (which shall include Tata AIA Life Insurance Company Limited amongst others) and their Associates. This premium discount shall be applicable on the premiums payable in the 1st policy year only and shall vary based on Policy Term and Premium Payment Term. Such discounts shall be applicable on the premium rates. No discounts shall be applicable on exercising the Life Stage or Top-Up SA Option as the increased premium shall be payable from the next policy anniversary, which at the earliest would happen in the second policy year whereas the discount is applicable only on the 1st year’s premium. For regular pay / limited pay policies, this shall be 20% - 1.5% x (Policy Term – Premium Payment Term) and for single pay policies, this shall be 2%.
- *“Guaranteed Annual 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.
- ++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.
- ~Available under Regular Income with an Inbuilt Critical Illness Benefit option
- %Return of Premium shall be the return of Total Premiums Paid (excluding loading for modal premiums, discount, any extra premium, rider premium and taxes) by the policyholder and shall be payable at the end of the Income Period irrespective of survival of the life insured(s) during the Income Period.
- #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 implications mentioned anywhere on this site. Please consult your own tax consultant to know the tax benefits available to you.
- ^^Riders are not mandatory and are 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/Intermediary/ branch.
- Tata AIA Vitality Protect - A Non-Linked, Non- Participating Individual Health rider (UIN:110B046V02), Tata AIA Vitality Health, A Non-Linked, Non- Participating Individual Health rider (UIN:110B045V02), Tata AIA Non-Linked Comprehensive Protection Rider (UIN:110B033V03) - A Non-Linked, Non- Participating Individual Health Rider Tata AIA Non-Linked Comprehensive Health Rider (UIN: 110B031V03) - A Non-Linked, Non- Participating Individual Health Rider) are available under this plan
- 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
- 172,34,092 families protected till 31st March 2023.
- 2Retail Sum Assured for FY2023 is Rs 4,43,479 Crores
- 3As on 03rd April 2024, the company has a total Assets Under Management (AUM) of Rs.100,099.11 Crores
- 4Applicable to only non-early claims more than 3 years of policy duration, non-investigation cases, up to Sum assured of 50 Lakh. Applicable for branch walk in. Time limit to submit claim to Tata AIA by 2 pm (working days). Subject to submission of complete documents. Not applicable to ULIP policies and open title claims.
- 5Tata AIA Vitality - A Wellness Program that offers you an upfront discount at policy inception. You can also earn premium discount / cover booster (as applicable) for subsequent years on policy anniversary basis your Vitality Status (tracked on Vitality app) Please refer rider brochures for additional details on health and wellness benefits.
- Vitality is a trademark licensed to Tata AIA Life by Amplify Health Assets PTE. Limited, a joint venture between Vitality Group International, INC. and AIA Company Limited. The assessment under the wellness program shall not be considered as a medical advice or a substitute to a consultation/treatment by a professional medical practitioner.
- 6On enrolling into the wellness Program, you get an upfront discount of 5% on first year premium for Accidental Death, Accidental Total & Permanent Disability, Accidental Disability Care Benefits and of 10% on first year premiums of the other benefit options. The rewards are offered on cumulative basis and in any year, the maximum rewards in view of both the upfront rewards and annual rewards _ex together shall be 15% for Accidental Disability Care and 30% for all other benefit options. Discount is driven by accumulated points which is achieved through wellness status. Please refer policy document for more details.
- Insurance cover is available under this product.
- Policies sourced through PoS Channel will not have any medical examination. This plan is not a guaranteed issuance plan, and it will be subject to Company’s underwriting and acceptance.
- Premium excludes the taxes, rider premiums, underwriting extra premiums, loading for modal premiums if any
- For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale. The precise terms and conditions of this plan are specified in the Policy Contract.
- 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.
- For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
- L&C/Misc/2024/Apr/0270
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