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With the Tata AIA Fortune Guarantee, you can enjoy the benefits of guaranteed* returns and also save on Tax~. Moreover, the life cover under this policy will keep your family safe while you plan a future for yourself and all of them.
This savings plan offers a guaranteed* lump sum benefit to meet your life goals such as buying a house, owning a car, or securing your child’s education when the policy is Matured.
The life cover offered under this savings policy lets you safeguard your loved ones in case of any unfortunate events.
Select a policy term and premium paying term as per your preference to save steadily and get uninterrupted life insurance coverage for your family.
When you buy this plan, you can get Income Tax~ benefits as per applicable income tax laws.
Choose from optional rider^ benefits to add to your savings insurance policy for enhanced coverage against specific risks and unforeseen events.
Women policyholders or female life insured can get lower premium rates on their insurance policy.
Your claims are settled within 4 hours^^
Presence across major cities in India
98.53% Claim Settlement Ratio~~ in FY 2021 - 22
Save income tax as per applicable income tax laws
Get additional Coverage from one or more risks like Hospitalization expenses, Critical Illness like cancer, heart ailments etc, Death, Accidental Death / Disability, through our riders by paying a nominal additional premium
These rider benefits can be taken either as a lump sum and income for a fixed period, income till the survival of your partner, or as a waiver of premium
Our Riders – Tata AIA Vitality Protect (A Non-Linked, Non- Participating Individual Health rider (UIN:110B046V01)) and Tata AIA Vitality Health (A Non-Linked, Non- Participating Individual Health rider (UIN:110B045V01)) - also get access to Tata AIA Vitality at no additional cost. Tata AIA Vitality is our Wellness Program that offers you an upfront discount on your first-year rider^ premium. You can also earn premium discount / cover booster (as applicable) for subsequent years on policy anniversary as you work towards improving your health basis your Wellness Status (tracked on ‘Tata AIA Vitality’ app)
(for the previous 6 months)
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What is a guaranteed savings plan?
A guaranteed* savings plan is a type of savings insurance plan that allows you to save your money on low-risk options and offers guaranteed returns on maturity. Such a plan also offers life insurance coverage for your family’s protection, wherein a death benefit is paid out to them in case of your untimely demise during the policy term.
What are riders?
Riders^ are additional but optional benefits that you can choose to add to your base life insurance policy or savings policy to enhance and increase the coverage of the policy. Different riders offer coverage against risks such as critical and terminal illnesses, hospitalisation, accidental death / disability etc.
Is the life insurance claim settlement ratio important?
Yes, the claim settlement ratio is an important indicator for policyholders when they choose a life insurance provider. This ratio is the number of claims that have been settled compared to the number of claims received during a year. The higher the claim settlement ratio, the more reliable the insurer.
What leads to a policy lapse?
A grace period of 15 or 30 days is offered to policyholders from the due date of an unpaid premium. However, if the premium remains unpaid by the end of the applicable grace period, the policy will lapse. As per the non-forfeiture provisions, the full premiums for the first two policy years should have been paid so that instead of a lapsed policy, the plan can be converted into a Reduced Paid-up policy.
What are the premium payment options for this life insurance savings plan?
You can choose from the following premium payment frequencies and modes:
You can also choose a Limited Pay option where your premium paying term will be shorter than your policy term or opt for the Regular Pay option to pay regular premiums throughout the policy term.
Do I get any tax benefits with this plan?
You can avail of a tax~ deduction under Section 80C of up to ₹1.5 lakhs on the premiums paid towards the guaranteed returns plan and tax exemption under Section 10(10D) of the Income Tax Act, 1961.
Does the Tata AIA Fortune Guarantee plan offer fixed monthly income?
No, the Tata AIA Fortune Guarantee plan offers a lump sum benefit on maturity, subject to the policyholder’s survival until the end of the policy term. You can use this lump sum benefit to meet any major financial obligations or use it as per your needs.
What are the documents required for a claim settlement?
Please click here to know the list of documents needed for the claim intimation and settlement process.
How can I file a claim under this savings plan?
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
How will the claim be processed if the nominee is outside of India?
If your nominee wants to file a claim from outside of India, they will have to file the claim online by uploading the necessary attested copies of their documents online or sending them to us through email.
If they want to file the claim offline, then they can courier their documents to their representative in India, who can visit our office and submit the same.
Do I need to file the claim at the same Tata AIA Life Insurance office branch where the plan was purchased?
No, you can file the claim at any Tata AIA Life Insurance branch at your/the nominee’s convenience. Here is the list of our office branches. You can visit the one nearest to you and initiate the claim process.
Disclaimers
