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Non-Linked, Non-Participating, Individual Life Insurance Savings Plan (UIN: 110N120V09)

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Tata AIAFortune Guarantee

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.

Benefits of Tata AIA Fortune Guarantee

  • Money bag - Claim tax deductions as per applicable tax laws with Term Insurance Policy - Features of Tata AIA Term Insurance Policy
    Guaranteed* Returns

    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.

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    Life Insurance Coverage

    The life cover offered under this savings policy lets you safeguard your loved ones in case of any unfortunate events.

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    Pay as per Convenience

    Select a policy term and premium paying term as per your preference to save steadily and get uninterrupted life insurance coverage for your family.

  • Flexible Death benefit payout in a term plan can be offered either as a lump sum, a regular income or a combination of both
    Income Tax Benefits

    When you buy this plan, you can get Income Tax~ benefits as per applicable income tax laws.  

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    Rider Benefits

    Choose from optional rider^ benefits to add to your savings insurance policy for enhanced coverage against specific risks and unforeseen events.

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    Lower Premium Rates for Women

    Women policyholders or female life insured can get lower premium rates on their insurance policy.

Why Choose Tata AIA Life Insurance?

  • Faster Claim Settlement

    Your claims are settled within 4 hours^^

  • 400 + Branches

    Presence across major cities in India

  • The Tata AIA Assurance

    98.53% Claim Settlement Ratio~~ in FY 2021 - 22

  • Save on Tax~

    Save income tax as per applicable income tax laws

Optional Riders^ with Tata AIA Fortune Guarantee

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)

Documents Required

PAN card

Bank statement

(for the previous 6 months)

Salary Slip

Aadhar Card

Income Tax Receipt

Need more information?
Let us help you

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Frequently Asked Questions

General Cover Claim

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:

  • Annual
  • Half-yearly
  • Quarterly
  • Monthly
  • Single

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 :

  • 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.


  • The complete name of Tata AIA Fortune Guarantee is Tata AIA Life Insurance Fortune Guarantee (UIN: 110N120V09) - Non-Linked, Non-Participating, Individual Life Insurance Savings Plan
  • *Guaranteed Benefit is a % of Total premiums paid based on the policy term, premium paying term, gender, annualised/Single premium band & entry age
  • ~Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfilment 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 implication mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefits available to you.
  • ^Rider is not mandatory and is 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/ branch.
  • 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)) are available under this plan.
  • ^^4 Hour claim processing is applicable for Tata AIA Life Insurance working days (Monday to Friday) up to 2 pm and also bank working days subject to submission of completed documents.
  • Claims beyond three years from the date of issuance of policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later. Subject to all the relevant terms and conditions of the policy contract.
  • Claim Processing - All the relevant terms and conditions of the policy contract, including provisions in respect to claim procedure shall apply. Unit linked products; policies with unclaimed amounts or last premium payment not cleared are excluded.
  • ~~Individual Life Claim Settlement Ratio is 98.53% for FY 2021 - 22 as per the latest annual audited figures.
  • The products are underwritten by Tata AIA Life Insurance Company Ltd. The plans are not a guaranteed issuance plan, and it will be subject to Company’s underwriting and acceptance.
  • For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding a sale.
  • Insurance cover is available under the products.
  • Please know the associated risks and the applicable charges, from your insurance agent or the Intermediary or policy document issued by the insurance company.
  • 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.
  • L&C/Advt/2022/Oct/2417