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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

  • Get Guaranteed* Regular Income

    Get returns in form of regular income as per your preferred frequency for up to 45 years

  • Save Income Tax Up to Rs 46,800++

    Get income tax# benefits as per applicable income tax laws and save tax. 

  • Get Your Premiums Paid Back 

    While you get tax-free# guaranteed* income, you will also receive the entire premium% amount paid by you.

  • Joint Life Policy

    With Joint Life policy option, provide life cover to your spouse under the same policy. 

  • Avail Critical Illness Cover 

    Get Critical Illness~ cover against 40 critical illnesses including Heart and Cancer

  • Choose Income Frequency 

    Option to receive income either on a monthly or annual basis, as per your requirement.

  • Add Optional Riders 

    You can add additional riders^^ to increase your plan coverage

  • Avail Free Online Medical Consultation 

    Get Instant Online Medical Consultations** for 23+ specialties including 24x7 doctor availability

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:

  • 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.

  • 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.

  • Income Tax Benefits

    When you buy a guaranteed* savings plan, you can save tax# as per applicable income tax laws

  • 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.

  • 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.

  • 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.

Why Choose Tata AIA Life Insurance?

  • Choose income frequency | Tata AIA Life Insurance Company
    68 Lacs +

    Families protected1 so far

  • Choose from either a regular income plan or regular income plan | Tata AIA Life Insurance Company
    98.53%

    Claim settlement ratio2 for FY 21 -22

  • Choose any additional riders to increase the protective cover | Tata AIA Life Insurance Company
    62,800 + Crores

    Worth of Assets Under Management3

  • Choice of Joint Life policy under single premium payment option | Tata AIA Life Insurance Company
    4 Hours

    Express Claim Settlement4

  • Pay as per Convenience | Tata AIA Life Insurance Company
    400 + Branches across India

    Presence across major cities

  • Choose Income Start Date | Tata AIA Life Insurance Company
    Pay your Way

    Flexibility to choose premium payment mode as per convenience

Image Of Tata AIA Vitality
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. The rewards may be in the form of Discount on Premium, Cover Booster etc.
 

On enrolling into the Wellness Program with Tata AIA Vitality Protect / Tata AIA Vitality Health rider, you can get an upfront discount of up to 10% on your 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.).

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. The rewards may be in the form of Discount on Premium, Cover Booster etc.

On enrolling into the Wellness Program with Tata AIA Vitality Protect / Tata AIA Vitality Health rider, you can get an upfront discount of up to 10% on your 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!

Disclaimers

  • The complete name of Tata AIA Fortune Guarantee Plus is Tata AIA Life Insurance Fortune Guarantee Plus (UIN: 110N158V07) - Non-Linked, Non-Participating, Individual Life Insurance Savings Plan.
  • ^The Company shall offer a premium discount to the customers on the policies sourced by the company from its website, only if they are 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 first policy year only. 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 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 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.
  • #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:110B046V01), Tata AIA Vitality Health, A Non-Linked, Non- Participating Individual Health rider (UIN:110B045V01), Tata AIA Non-Linked Comprehensive Protection Rider (UIN:110B033V02 or any other later version) - A Non-Linked, Non- Participating Individual Health Rider Tata AIA Non-Linked Comprehensive Health Rider (UIN: 110B031V02 or any other later version) - A Non-Linked, Non- Participating Individual Health Rider) are available under this plan
  • 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 (Tata AIA Vitality) shall not be considered as a medical advice or a substitute to a consultation/treatment by a professional medical practitioner.
  • **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.
  • 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
  • 168,75,083 families protected till October 2022
  • 2Individual Life Claim Settlement Ratio is 98.53% for FY 2021 - 22 as per the latest annual audited figures.
  • 3As on 31st August 2022, the company has a total Assets Under Management (AUM) of Rs. 62,894 Crores
  • 4Applicable to only non-early claims more than 3 years of policy duration, non-investigation cases, up to Sum assured of 50 lacs. 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.
  • 5On enrolling into the Wellness Program, you get an upfront discount of 5% on 1st year premium for Accidental Death, Accidental Total & Permanent Disability, Accidental Disability Care Benefits and of 10% on 1st year premium for Term Booster, Criticare Plus, Accelerated Criticare, Multistage Criticare, Cancer Care, Cardiac Care. The rewards are offered on cumulative basis and in any year, the maximum rewards in view of both the Up-front Rewards and Annual Rewards Flex together shall be 15% for Accidental Death, Accidental Total & Permanent Disability, 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/2023/Jan/0008

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