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Individual, Non-Linked, Non-participating, Life Insurance Savings Plan (UIN110N163V05)

Tata AIA
Fortune Guarantee Supreme

**Get Guaranteed^* Income** from first
month and save tax up to Rs 46,800⁺⁺

Get Life Insurance cover to safeguard your family
Grow your income by choosing Sub Wallet^~ feature and withdraw as and when required
Option to receive income on a ‘Special Date’ of your choice^**

Calculate
Premium

Meet
an Advisor

Now enjoy supreme returns immediately

+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.

Plan Snapshot

Personalise your plan as per your priorities.

2 Plan options
- Immediate Income
- My Income
Get life cover
throughout the policy
term
Choose Sub Wallet^~
feature to increase
income

Get guaranteed^* income
from the 1^st year or defer after premium payment term
Get Income Tax^# benefits
up to Rs 46,800⁺⁺

Need advice on a new plan?
Let our experts get back to you.

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.

When you need to fulfil your dreams and protect your family’s future, a flexible and guaranteed^* financial solution can help you save and grow your wealth regularly while securing your family from life’s unforeseen risks.

^*T&C apply

Looking to buy a new insurance plan?

Our experts are happy to help you!

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

Get free personalized quote in 1 minute

Benefits of Tata AIA Life Insurance Fortune Guarantee Supreme

Get Guaranteed^* Income from 1^st Month or defer after premium payment term

Get guaranteed^* income starting from the first month or choose to defer income payouts after the premium payment term. Maturity Benefit as applicable in your plan, will also be payable.
Grow Your Income by Choosing Sub Wallet^~ Option

Earn daily loyalty addition in the Sub wallet. You can withdraw the accumulated benefits anytime during the policy term using My DigiAccount or by visiting our branch.
Adjust Premiums Against Income with Premium Offset Option

The income can be used to pay or offset the premiums payable towards the policy.
Life Insurance Cover

Secure your family with a life cover in the event of unfortunate death during the policy term.
Tax Benefits Up to Rs 46,800⁺⁺

Get Income Tax^# Benefits on the premiums paid and income received.
Special Discount for Women

2% upfront discount on first year premium for women customers

Choose from 2 plan options

Immediate Income

Enables you to receive an income from the 2^nd policy year.
My Income

Under this plan option, you will receive guaranteed^* benefits in the form of survival benefits and/or lump sum maturity benefit.

^*T&C apply

Plan Eligibility

Plan Options	Option 1 – Immediate Income Option Option 2 – My Income Option
Plan Parameters	Non-POS			POS
	Minimum		Maximum	Minimum		Maximum
Age^% at Entry	30 days		65 years	30 days		55 years
Age^% at Maturity	18 years		100 years	18 years		65 years
Premium Payment Term (PPT)	For Option 1: 5 years For Option 2: Single Pay – 1 year Regular/Limited pay - 5 years		For Option 1: 12 years For Option 2: Regular/Limited pay - 30 years	For Option 1: 5 years For Option 2: Single Pay: 1 year Regular/Limited Pay: 5 years		For Option 1: 10 years For Option 2: Regular Pay: 20 years Limited pay: 19 years
Policy Term (PT)	Option 1: 10 years Option 2: Single Pay: 5 years Regular Pay: Same as PPT Limited Pay: PPT + 1		For Option 1: 24 years For Option 2: Single Pay: 60 years Regular Pay: Equal to PPT Limited Pay: 60 years	For Option 1: 10 years For Option 2: Single Pay: 5 years Regular pay: Equal to PPT Limited Pay: PPT+1		For Option 1: 20 years For Option 2: Single Pay: 20 years Regular pay: Equal to PPT Limited Pay: 20 years
Basic Sum Assured	Single Pay Single Life		No Limit, subject to the Board Approved Underwriting Policy (BAUP)	Single Pay Single Life		Corresponding to a maximum Death Benefit of ₹25 Lakh
	Death Benefit Multiple	Sum Assured		Death Benefit Multiple	Sum Assured
	10	₹50,000		10	₹50,000
	7	₹35,000		7	₹35,000
	1.25	₹6,250		1.25	₹6,250
	Joint Life (Death Benefit Multiple 7): 1^st Death: ₹6,250 2^nd Death: ₹35,000			Joint Life (Death Benefit Multiple 7): 1^st Death: ₹6,250 2^nd Death: ₹35,000
	Regular/Limited pay: Option1: ₹2,40,000 Option 2: ₹1,68,000			Regular/Limited pay: Option 1: ₹2,40,000 Option 2: ₹1,68,000
Premium (without discount)	Single Pay: ₹5,000 Limited Pay /Regular Pay: ₹24,000 p.a.		No Limit, subject to the Board Approved Underwriting Policy (BAUP)	Single Pay: ₹5,000 Limited Pay /Regular Pay: ₹24,000 p.a.		Corresponding to a maximum Death Benefit of ₹ 25 Lakh
Premium Payment Mode	Annual / Half-yearly / Quarterly / Monthly

In a joint life policy, the age limit is applicable for both lives
^%Any reference to age is as on last birthday

Enroll in Tata AIA Vitality (Wellness Program)^$

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 come in various forms, such as reduced premiums, coverage enhancement, and more.

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 rider premium. The amount of discount you receive in subsequent years will depend on your engagement levels, such as completing health assessments and achieving fitness goals, which will determine your wellness status.

Rider Details

You can enhance the coverage of your Tata AIA Fortune Guarantee Supreme with the following optional riders^:

Tata AIA

Vitality Protect

A Non-Linked, Non- Participating Individual Health rider (UIN:110B046V01)

• Covers risks like Death, Accidental Death/Disability, Critical Illnesses and Terminal Illness
• Flexibility to receive benefit as combination of lump-sum and income for fixed period, income till survival of partner, or as waiver of future premiums

Tata AIA

Vitality Health

A Non-Linked, Non- Participating Individual Health rider (UIN:110B045V01)

• 3C Protection: Cancer, Cardiac and Critical Illnesses along with Hospitalization and Accidental Disability Benefit
• The rider provides coverage against both major illnesses, and minor injuries or illnesses, while allowing multiple claim payouts

Tata AIA

Non-Linked Comprehensive Protection Rider

(UIN:110B033V02 or any other later version) - A Non-Linked, Non- Participating Individual Health Rider

• Choose one or more benefit options (risk covers), including death, accidental death / disability, critical illness, and terminal illness
• Flexibility to receive benefit as combination of lump-sum and income for fixed period, income till survival of partner, or as waiver of future premiums

You can add one or more riders to your savings policy either at the time of purchasing the policy or at any of the policy anniversaries.

How to Purchase the Plan?

Tata AIA Fortune Guarantee Plus gives you a wide choice of payment and policy terms. With income term as long as 45 years, you can receive immediate income after the payment term or deferred income as per your financial needs.

01
Choose a Plan Option

Select one of the two plan options. The frequency and timing of the benefits offered under the Immediate Income Option, or My Income Option.
02
Select the Policy Term, Premium Payment Term and Income Start Year

Fix a suitable policy term and a premium paying term. This will determine how long you want to save money and secure life insurance coverage for your family. Choose Income Start Year based on when you want to start receiving income.
03
Add Optional Riders

Choose one or both optional riders^ available under the policy. Enhance your coverage and protect your family and yourself from unforeseen risks.
04
Secure Checkout

Pay your premium online in a secure manner. Using any digital payment options, you can swiftly complete your savings plan purchase.

Download Documents

Download Brochure

Policy Document

Frequently Asked Questions

General Policy Cover Claim

Why do I need a savings plan?

A savings plan can help you save your money regularly over the long term, as per the chosen policy term. When the policy matures, you can receive the maturity benefits which have been saved over the years. A savings policy can be used for different long-term goals such as a retirement fund, higher education fees, an emergency fund, etc.

Are maturity benefit and survival benefit the same?

No. Survival benefits are are paid out during the policy term if you survive the policy term. Maturity benefits are paid out to you at the end of policy term, i.e., when the policy matures.

Why do I need to add riders to my policy?

Riders^ are add-on benefits that can enhance the coverage of your life insurance policy. These are optional additions that offer coverage against specific risks such as critical illnesses, accidental death, disability, hospitalisation, etc.

You can choose which riders you want to include under your policy at your discretion. For instance, a critical illness benefit can be a suitable addition if you have a family history of certain medical conditions. Additionally, if you are employed in a hazardous job, you can opt for an Accidental Death and Disability rider.

Can I fulfil short-term financial goals with a savings policy?

A savings policy can help you fulfil short-term goals if it pays out a survival benefit during the policy term. The survival benefit is paid out in a certain amount for a specific number of years as per the payout frequency determined by the policy guidelines. You can use the funds from the survival benefit to supplement your short-term financial goals.

What are the two plan options available under this policy?

The two plan options under this savings plan are:

Option 1 – Immediate Income Option - Under this plan option, you will receive a Guaranteed^* Immediate Income (GII) in advance from 2nd year subject to payment of all due premiums. Additionally, a Guaranteed^* Income (GI) in arrears is also payable during the policy term, post completion of GII. Please refer Sales Brochure for complete details
Option 2 – My Income Option - You receive guaranteed^* survival benefits from Income start yearfrom Income start year as chosen and a lumpsum at maturity, as chosen.

^*T&C apply

How does the sub-wallet^~ option work?

This feature allows the policyholder to receive their survival benefits in the sub-wallet. The balance in the sub-wallet will earn a daily loyalty addition. You can withdraw from the accumulated amount, partially or completely, anytime during the policy term using My DigiAccount or by visiting our branch and the rest of the amount in the sub-wallet will continue to earn loyalty additions. It will be paid out to you at the time of termination of your policy.

What is the premium offset?

The premium offset feature will let you adjust your premium payable against income receivable. The timing of the benefit must match the premium payment date, and the policyholder only needs to pay balance premium.

What is the policy term under the Tata AIA Life Insurance Fortune Guarantee Supreme?

Under plan option 1, the minimum and maximum policy terms are 10 and 24 years, respectively. Under plan option 2, the policy terms are as follows:

Minimum:

Single Pay – 5 years
Regular Pay – Same as Premium Payment Term
Limited Pay – Premium Payment Term + 1

Maximum:

Single Pay – 60 years
Regular Pay – Same as Premium Payment Term
Limited Pay – 60 years

Which riders are offered under this policy?

The various riders^ offered under this policy are –

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

How to revive the savings policy if it lapses?

If your policy lapses due to non-payment of premiums in the first two years, the policy can be revived within 5 years from the date of the first unpaid premium. Due premiums and interest will have to be paid for the policy revival. In case you do not revive the policy in the given period of 5 years, the policy will be terminated. The policy will not offer any benefits during the revival period until all the due premiums have been paid.

What are the premium payment options available?

Under plan option 1, you can choose a minimum and maximum premium payment term (PPT) of 5 and 12 years, respectively. Under plan option 2, the minimum PPT for Single Pay is 1 year and 5 years for Regular/Limited Pay, and the maximum PPT is 30 years for Regular/Limited Pay.

What documents do I need to file a claim under this policy?

Please click here to know the list of documents needed for the claim intimation and settlement process.

Can I file a death and maturity claim under the Tata AIA Life Insurance Fortune Guarantee Supreme?

You can file a death or maturity claim under the Tata AIA Life Insurance Fortune Guarantee Supreme. In case of the policyholder’s death, the nominee will file the death claim, and then the policy will be terminated after the payout of the benefits. In the event of the policyholder’s survival until maturity, they can file a maturity claim to receive the payouts.

How to reach Tata AIA Life Insurance to file a claim?

To file a claim with us, choose any of the below channels to reach out to us:

Email us at: customercare@tataaia.com
Call our helpline number - 1860-266-9966 (local charges apply)
Walk into any of the Tata AIA Life Insurance Company branch offices
Write directly to us at:

The Claims Department,
Tata AIA Life Insurance Company Limited
B- Wing, 9th Floor,
I-Think Techno Campus,
Behind TCS, Pokhran Road No.2,
Close to Eastern Express Highway,
Thane (West) 400 607.
IRDA Regn. No. 110

Disclaimer

The complete name of Tata AIA Non-Linked Comprehensive Protection Rider is Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider (UIN:110B033V02 or any other later version) - A Non-Linked, Non- Participating Individual Health Rider.
^*Guaranteed returns in this plan depends on Age at Entry of life assured, Premium payment term, policy term, premium amount and plan option chosen.
^~The current loyalty addition rate on the Sub-wallet will be 4.05% compounding annually. This rate will be reviewed every six months (on 1st April & 1st October every year).
^{^}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 are available under this plan
^#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.
⁺⁺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.
^**This feature must be chosen at inception only. The last instalment due on end of Policy Term shall be paid on the date of Maturity only, and not on Special Date.
^$Tata 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 (Tata AIA Vitality) shall not be considered as a medical advice or a substitute to a consultation/treatment by a professional medical practitioner.
^{^^}On 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.
This product is underwritten by Tata AIA Life Insurance Company Ltd.
Insurance cover is available under this product.
This plan is not a guaranteed issuance plan, and it will be subject to Company’s underwriting and acceptance.
The product brochure should be read along with Benefit Illustration.
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.
All Premiums and interest payable under the policy are exclusive of applicable taxes, duties, surcharge, cesses, or levies which will be entirely borne/ paid by the Policyholder, in addition to the payment of such Premium or interest. Tata AIA Life shall have the right to claim, deduct, adjust, and recover the amount of any applicable tax or imposition, levied by any statutory or administrative body, from the benefits payable under the Policy.
L&C/Advt/2023/Aug/2742

Tata AIA
Fortune Guarantee Supreme

Tata AIA
Fortune Guarantee Supreme

**Get Guaranteed^* Income** from first
month and save tax up to Rs 46,800⁺⁺

**Get Guaranteed^* Income** from first
month and save tax up to Rs 46,800⁺⁺

Plan Snapshot

2 Plan options

Immediate Income

My Income

Get life cover
throughout the policy
term