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Individual, Non-Linked, Non-participating, Life Insurance Savings Plan (UIN110N163V06)

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++

  • 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**

Neeraj Chopra Promoting Tata AIA Fortune Guarantee Supreme Policy
Neeraj Chopra Promoting Tata AIA Fortune Guarantee Supreme Policy

Now enjoy supreme returns immediately

Now enjoy supreme returns immediately

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    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 1st 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.
     

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    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!

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    Benefits of Tata AIA Life Insurance Fortune Guarantee Supreme

    • Get Guaranteed* Income from 1st 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 2nd 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):

    1st Death: ₹6,250

    2nd Death: ₹35,000

    Joint Life (Death Benefit Multiple 7):

    1st Death: ₹6,250

    2nd 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

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    Enroll in Tata AIA Vitality (Wellness Program)$


    The Tata AIA Vitality is a holistic and comprehensive reward-based wellness program aimed at helping you improve your health, well-being and lifestyle habits. The program enables you to follow healthy habits and achieve regular health targets through curated activities and online health assessments to keep a check on your fitness levels.

    When you start the Wellness Program and progress along the way, you can earn benefits such as a discount^^ of up to 10% on your rider policy premium$ for the 1st year. You will also be rewarded for moving from one level to the next to improve your Wellness Status, which will be determined by the points earned through these assessments and activities.

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    Rider Details

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


    How to Purchase the Plan?

    • 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.

    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:110B046V02 or later)
    • Tata AIA
      Vitality Health
      A Non-Linked, Non- Participating Individual Health rider (UIN:110B045V02 or later)
    • Tata AIA
      Non-Linked Comprehensive Protection Rider
      A Non-Linked, Non- Participating Individual Health Rider (UIN:110B033V03 or any other later version)

    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

    • Tata AIA Fortune Guarantee Supreme - Individual, Non-Linked, Non-participating, Life Insurance Savings Plan (UIN110N163V06)
    • The complete name of Tata AIA Non-Linked Comprehensive Protection Rider is Tata AIA Life Insurance Non-Linked Comprehensive Protection Rider (UIN:110B033V03 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:110B046V02 or later), Tata AIA Vitality Health, A Non-Linked, Non- Participating Individual Health rider (UIN:110B045V02 or later), Tata AIA Non-Linked Comprehensive Protection Rider (UIN:110B033V03 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/2024/Jan/0257

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