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Tata AIA Fortune Guarantee Supreme

Get up to 6.90% returns¹ Guaranteed² and Tax-free³

Get ₹1 Crore Life Cover
at ₹483/month^*

Up to 15% discount on first year premium²

¹With Digital Discount, Female age 55 years, Annual Premium ₹25 Lakh (excluding taxes), Premium Payment Term 12 years, Policy Term 45 years, Income deferment post Premium Payment Term 5 years, Income Term 28 years. ²T&C apply.

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Top features of Fortune Guarantee Supreme

Multiple benefit options

Choose guaranteed² benefits in the form of lump sum and/or income

Immediate income

Get guaranteed² income from the 1^st month

Grow your income

Earn daily loyalty additions in the sub-wallet⁴ which you can withdraw anytime

Pay premium with income

Use income to pay or offset the premiums payable towards t...

Pay premium with income

Use income to pay or offset the premiums payable towards the policy

Long term income

Choose income term from 15 to 45 years as per your requirement

Life cover

Secure your family in case of an unfortunate event throughout the policy period

Save tax up to ₹ 46,800⁵

Avail tax benefits³ as per section 80C

2% discount for women

Special discount for women on 1^st year premium

2% digital discount

Get 2% off on each year’s premium for online purchase

Special date

Choose to receive income on a date of your choice⁶ like birthday, anniversary, etc

Enrol in a Wellness program

Tata AIA Vitality⁷ – a reward-based program to improve your he...

Enrol in a Wellness program

Tata AIA Vitality⁷ – a reward-based program to improve your health and wellbeing + up to 30% discount on rider premium⁸

²T&C apply

Download brochure

Need advice on a new plan?

Our experts are happy to help you!

Need advice on a new plan?

Our experts are happy to help you!

Are you an NRI?

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Are you an NRI?

Yes

Name

Plan options

OPTION 1

Immediate Income

Receive guaranteed² income from the next year or next month as per the chosen frequency.

OPTION 2

My income

Receive guaranteed² benefit in the form of survival benefit and/or lumpsum maturity benefit

Plan eligibility

In a joint life policy, the age limit is applicable for both lives. ⁹Any reference to age is as on last birthday
	Minimum		Maximum
Age⁹ at Entry	30 days		65 years
Age⁹ at Maturity	18 years		100 years
Premium Payment Term (PPT)	Option 1	Option 2	Option 1	Option 2
Premium Payment Term (PPT)	5 years	Single Pay: 1 year Regular/Limited Pay: 5 years	12 years	Regular/Limited Pay: 30 years
Policy Term (PT)	Option 1	Option 2	Option 1	Option 2
Policy Term (PT)	10 years	Single Pay: 5 years Regular Pay: Same as PPT Limited Pay: PPT + 1 year	24 years	Single Pay: 60 years Regular Pay: Equal to PPT Limited Pay: 60 years
Basic Sum Assured	Single Pay Single Life		No Limit, subject to the Board Approved Underwriting Policy (BAUP)
	Death Benefit Multiple	Sum Assured
	10	₹50,000
	7	₹35,000
	1.25	₹6,250
	Single Pay Joint Life (Death Benefit Multiple 7)
	1st Death	2nd Death
	₹6,250	₹35,000
	Regular/Limited pay
	Option 1	Option 2
	₹2,40,000	₹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)
Premium Payment Mode	Annual/Half-yearly /Quarterly / Monthly

Minimum		Maximum
Age⁹ at Entry
30 days		65 years
Age⁹ at Maturity
18 days		100 years
Premium Payment Term (PPT)
Option 1		Option 2
5 years		Single Pay: 1 year Regular/Limited Pay: 5 years
Option 1		Option 2
12 years		Regular/Limited Pay: 30 years
Policy Term (PT)
Option 1		Option 1
10 years		Single Pay: 5 years Regular Pay: Same as PPT Limited Pay: PPT + 1 year
Option 2		Option 2
24 years		Single Pay: 60 years Regular Pay: Equal to PPT Limited Pay: 60 years
Basic Sum Assured
Single Pay Single Life		No Limit, subject to the Board Approved Underwriting Policy (BAUP)
Death Benefit Multiple	Sum Assured
10 7 1.25	₹50,000 ₹35,000 ₹6,250
Single Pay Joint Life (Death Benefit Multiple 7)
1st Death	2nd Death
₹6,250	₹35,000
Regular/Limited pay
Option 1	Option 2
₹2,40,000	₹1,68,000
Premium (without discount)
Single Pay: ₹5,000 Limited Pay/Regular Pay: ₹24,000 p.a.
Premium Payment Mode
Annual/Half-yearly /Quarterly / Monthly
In a joint life policy, the age limit is applicable for both lives. ⁹Any reference to age is as on last birthday

Enhance your coverage with riders

Tata AIA Fortune Guarantee Supreme offers the following optional riders¹⁰

Tata AIA

Vitality Health

39 Critical Illness covered including minor stage illness
Pays fixed amount on Hospitalization and on ICU admission

Download

A Non-Linked, Non- Participating Individual Health rider (UIN: 110B045V03)

Tata AIA

Vitality Protect

Offers protection against 40 Critical Illness including Cancer and Cardiac conditions.
Extend protection to your loved ones too under the same plan.

Download

A Non-Linked, Non- Participating Individual Health rider (UIN:110B046V04)

Tata AIA

Non-Linked Comprehensive Protection Rider

Financial protection against Death, Accidental Death/Disability and Illness
40 Critical Illnesses covered including Cancer and Cardiac arrest

Download

A Non-Linked, Non- Participating Individual Health Rider (UIN:110B033V04 or later)

Brochure

Policy document

Customer Information Sheet

General
Policy
Cover
Claim

1.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.

2.Are maturity benefit and survival benefit the same?
No. Survival benefits 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.

3.Why do I need to add riders to my policy?
Riders¹⁰ 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.

4.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.

1.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 Guaranteed² Immediate Income (GII) in advance from 2^nd year subject to payment of all due premiums. Additionally, a Guaranteed² 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 guaranteed² survival benefits from Income start year as chosen and a lumpsum at maturity, as chosen.

2.How does the sub-wallet⁴ 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.

3.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.

4.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

1.Which riders are offered under this policy?
The various riders¹⁰ offered under this policy are –
●Tata AIA
Vitality Protect A Non-Linked, Non- Participating Individual Health rider (UIN:110B046V04 or later version)
●Tata AIA
Vitality Health A Non-Linked, Non- Participating Individual Health rider (UIN:110B045V03 or later version)
●Tata AIA
Non-Linked Comprehensive Protection Rider A Non-Linked, Non- Participating Individual Health Rider (UIN:110B033V04 or later version)

2.How to revive the savings policy if it lapses?
If your policy lapses due to non-payment of premiums in the first year, 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.

3.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.

1.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.

2.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.

3.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

Tata AIA Fortune Guarantee Supreme - Individual, Non-Linked, Non-participating, Life Insurance Savings Plan (UIN110N163V12)
The complete name of Tata AIA Non-Linked Comprehensive Protection Rider is Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider (UIN:110B033V04 or any other later version) - A Non-Linked, Non- Participating Individual Health Rider.
²Guaranteed returns in this plan depends on Age at Entry of life assured, Premium payment term, policy term, premium amount and plan option chosen.
³Income 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.
⁴The 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).
⁵Tax 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 as per old tax regime. 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.
⁶This 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.
⁷Tata 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.
⁸On 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.
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.
¹⁰Riders 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:110B046V04 or later), Tata AIA Vitality Health, A Non-Linked, Non- Participating Individual Health rider (UIN:110B045V03 or later), Tata AIA Non-Linked Comprehensive Protection Rider (UIN:110B033V04 or later) - A Non-Linked, Non- Participating Individual Health are available under this plan
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/2025/Apr/1817