Language

Call us

/content/dam/tataaialifeinsurancecompanylimited/navigations/new-call-us/Close.png

starFOR EXISTING POLICY

Have query on premium, payout or any servicing need?

Dedicated NRI Helpdesk:

Call Icon +91 22 6251 9966

Monday - Saturday | 10 am - 7 pm IST
Call charges apply

Plus IconFOR NEW POLICY

Want to buy a new policy online?

For Indian Residents

Call Icon +91 22 6984 9300

Give missed call for a call back:

Call Icon +91 11 6615 8748

Monday - Sunday | 8 am - 11 pm IST

Exclusively for NRIs

Initiate Internet Call

Data charges may apply

Give missed call for a call back:

call +91 11 6921 6464

Available All Days | 24 x 7

Back Arrow Icon
Close Button




IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER

This advertisement is designed for combination of Benefits of two or more individual and separate products named (1) Tata AIA Life Insurance Smart Income Plus (Non-Linked, Non-Participating Individual Life Insurance Savings Plan) - UIN: 110N126V05 and (2) Tata AIA Life Insurance Wealth Maxima (Non-participating, Unit Linked, Individual Life Insurance Savings Plan) - UIN: 110L114V05 or Tata AIA Life Insurance Fortune Maxima (Non-Participating, Unit Linked, Individual Life Insurance Savings Plan) - UIN: 110L113V09 or Tata AIA Life Insurance Wealth Pro (Non-Participating, Unit Linked, Individual Life Insurance Savings Plan) - UIN: 110L111V05 or Tata AIA Life Insurance Fortune Pro (Non-Participating, Unit Linked, Individual Life Insurance Savings Plan) UIN: 110L112V07. These products are also available for sale individually without the combination offered/ suggested. This Benefit illustration is the arithmetic combination and chronological listing of combined benefits of individual products. The customer is advised to refer the detailed sales brochure of the respective individual products mentioned herein before concluding the sale.

THE LINKED INSURANCE PRODUCT DOES NOT OFFER ANY LIQUIDITY DURING THE FIRST FIVE YEARS OF THE CONTRACT. THE POLICY HOLDER WILL NOT BE ABLE TO SURRENDER/WITHDRAW THE MONIES INVESTED IN LINKED INSURANCE PRODUCTS COMPLETELY OR PARTIALLY TILL THE END OF THE FIFTH YEAR.


Secure Insurance Solution
 

Secure Insurance Solution

Insure your investment.
Ensure your protection.

Insure your investment.
Ensure your protection.

  • Capital protection to ensure your returns are always protected.

  • Flexibility to choose funds of your choice from our top-rated funds.

  • Get life insurance cover to safeguard your family.

Have Questions? Speak to our expert.

Have Questions? Speak to our expert.
 

+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.

    What is a Combo Insurance Solution?


    A combo-solution is a collection of multiple life insurance policies bundled into a single package. It helps to meet your financial requirements you may have during your lifetime. Combo solutions combines multiple life insurance plans into a single plan and offers numerous policy benefits which makes it simple to manage and spares you the trouble of dealing with multiple policies.

    What are the features of Secure Insurance Solution?

    • Capital Protection

      Secure Insurance Solution protects your investment and maximizes your returns by managing your funds wisely, ensuring your profits are secure even during market fluctuations.

    • Life Cover

      In case of any unfortunate event your family’s financial future is secured with our plan.

    • Multiple Fund Options

      You get to choose from our top-rated funds based on your needs and risk and financial needs. Based on your risk appetite, you have the flexibility to switch between funds according to your preferences.

    • Liquidity

      If you experience a financial emergency and need access to funds, you can request a partial withdrawal^ from your investment after a specific waiting period.

    • Get Tax Benefits

      You can get income tax benefits as per applicable income tax# laws.

    • Top Rated Funds

      You get to choose from a range of fund options as per your risk appetite and investment goals. Our funds have been rated 4 or 5 stars$ by Morningstar%.

    Plan at a Glance

    Solutions Combination

    Tata AIA Life Insurance Smart Income Plus and Tata AIA Life Insurance Fortune Pro or Tata AIA Life Insurance Wealth Pro

    Tata AIA Life Insurance Smart Income Plus and Tata AIA Life Insurance Fortune Maxima or Tata AIA Life Insurance Wealth Maxima

         

    Premium Payment Term (PPT) & Policy Term (PT)


     

    Option

    PPT

    PT

    A

    7

    15

    B

    10

    21

     



     

    Option

    PPT

    PT

    A

    7

    100-Issue Age*

    B

    10

    100-Issue Age*

     


    Minimum Entry Age*


    18 years

    18 years

    Maximum Entry Age


    50 years

    50 years

    Minimum Premium

    ₹1,00,000 for 10 Pay and ₹1,50,000 for 7 Pay

    ₹1,00,000 for 10 Pay and ₹1,50,000 for 7 Pay

    *Age as on last birthday | PPT – Premium Payment Term | PT – Policy Term

    How does the Secure Insurance Solution work?

    Buying the Secure Insurance Solution is an easy process that can be completed in four simple steps:

    • Choose a suitable option in Secure Insurance Solution as per your choice of premium payment term and policy term. Gauge your family’s needs, your savings and investment goals and calculate the life cover needed for everyone’s complete security~.

    • Take Benefit from the growth of your investments in the equity market and enjoy capital protection as you build a financial corpus for your future.

    • Leverage the market upside and secure your wealth with Capital Guarantee.

    • At the end of the selected policy term, avail of the maturity benefits of the plan and make the most of the liquidity^ available on your investment.


     

    • How to purchase the plan?

      Step 1] Choose Plan Option

      Choose between two plan options. 

      • Option 1 - Regular Income: With this plan, you will receive a fixed amount of money every year for a certain number of year and a lumpsum benefit at maturity.

      • Option 2 - Endowment: With this plan, you will receive a lumpsum payments at the end of the specified period of the individual plans.

      *T&C apply.

      Step 2] Choose plan combination.

      • Option 1 – Tata AIA Life Insurance Smart Income Plus and Tata AIA Life Insurance Fortune Pro/Tata AIA Life Insurance Wealth Pro

      • Option 2 – Tata AIA Life Insurance Smart Income Plus and Tata AIA Life Insurance Fortune Maxima/Tata AIA Life Insurance Wealth Maxima

      Step 3] Select the Premium Payment Term and Policy Term

      The Secure Insurance Solutions offers two options under the limited premium payment option:

      • If you choose Tata AIA Life Insurance Smart Income Plus and Tata AIA Life Insurance Fortune Pro/Tata AIA Life Insurance Wealth Pro, you can choose to pay premiums for 7 years and enjoy the benefits of the policy for 15 years, or you can opt for 10 years of premium payment and enjoy policy coverage for 21 years.

      • If you choose Tata AIA Life Insurance Smart Income Plus and Tata AIA Life Insurance Fortune Maxima/Tata AIA Life Insurance Wealth Maxima, you can choose to pay premiums for 7 years or 10 years and enjoy the benefits of the policy for 100 years, subject to the issue age.

      Step 4] Select the Premium Amount

      You can choose a minimum premium amount for ₹1,00,000 for 10 years limited pay or ₹1,50,000 for 7 years limited pay. Apart from that, the premium amount chosen should be aligned with one’s insurance and savings/investment need and objectives.

    Looking to buy a new insurance plan? 

    Our experts are happy to help you!

    +91

    Select plan
    • Term plans
    • Saving plans
    • Retirement plans
    • Wealth plans
    • I don't know/I need help

    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

    Frequently Asked Questions

    General Plan Claim-Process

    What is the Secure Insurance Solution?

    Secure Insurance Solution is a combination insurance plan by Tata AIA Life Insurance that helps you realise your savings and investment goals while being protected by a life insurance cover.

    How is the plan different from other insurance plans?

    Where other insurance plans target specific requirements of individuals, Secure Insurance Solution is a more comprehensive product that provides complete financial securityand aids in wealth creation.

    Is this plan better than having a term insurance plan?

    Each plan or solution serves a specific function. A term insurance plan offers comprehensive life cover protection and is popular for its affordable premiums. The Secure Insurance Solution serves as an insurance and saving cum insurance plan. So, one cannot compare the two.

    When should I buy the Secure Insurance Solution?

    You should buy Secure Insurance Solution early on in life to start your investments and give them enough time to grow. Since the solution also offers a life cover, getting it early on will enable you to protect yourself and your family against unforeseen events and emergencies.

    What are the plan options under Secure Insurance Solution?

    Secure Insurance Solution offers a regular income option and an endowment benefit that you can choose from, depending on how you want to receive your maturity benefit.

    What are the benefits offered by Secure Insurance Solution?

    The plan offers maturity benefits as well as death benefits to the policyholder’s beneficiaries. Apart from that, the plan also functions as an effective market investment tool that allows the investor to maximise their returns with a capital guarantee. Therefore, at maturity, not only can one avail of the guaranteed maturity benefits but also their investment returns.

    Can Secure Insurance Solution replace my current ULIP policy?

    While a Unit-Linked Insurance Plan is good for investments, Secure Insurance Solution also offers capital protection on the investments which helps the investor protect their investment corpus. The solution also enables long-term savings during the policy term, which is a feature that ULIP does not offer. If you are replacing your ULIP with Secure Insurance Solutions, be sure that you make an informed decision.

    Does the plan offer any tax benefits?

    Yes, the plan offers tax# benefits as per the prevailing tax laws, subject to the terms and conditions of the policy.

    What are the premium payment options for this plan?

    The Secure Insurance Solution lets you benefit from the limited pay option where, as per the plan selected, you pay only for a limited number of years but enjoy policy coverage for the entire term.

    Can I choose between two plan options for Secure Insurance Solution?

    Yes, you can choose either an endowment benefit or a regular income option at the inception of the plan. This will enable you to receive the Guaranteed maturity benefits either as a lump sum or as a regular income.

    How do I file a claim online?

    You can file a claim on the Tata AIA Life Insurance website by visiting our homepage, select “Where Do I” on top of the page and click on “Register Claims”. Then you can simply provide us with your policy number, claim details such as the policyholder’s name, the insured’s name, the date of the event and the type of claim. Next, you will have to update the name and the contact details of the claimant and submit the claim online.

    What are the eligibility criteria for receiving claim benefits?

    Depending on the type of plan you have selected and the type of coverage it offers, you can file a claim for death, disability, hospitalisation, reimbursement and so on. As long as the information provided is correct and the claim is valid, it will be verified and settled in accordance with the terms and conditions of the policy.

    Disclaimer

    • *Guaranteed Returns are defined as Guaranteed Payout (GP)/ Guaranteed Maturity Payout (GMP) under both Plan Options. For Regular Income option, GP is 120% to 140% of the Annualised Premium (AP) and GMP is 46% to 318% of AP for male lives and 74% to 321% of AP for female lives.  Please refer survival benefit factor under regular income option. 
    • For Endowment option, GP is 5.26 to 10.39 times of AP for Male lives and 5.36 to 10.40 times of the AP for female lives and GMP is equal to GP, provided the policy is in-force and all due premiums have been paid. 
    • The GP/GMP factors vary by the chosen premium payment term, age, and gender as per plan option chosen. 
    • Some benefits are guaranteed, and some benefits are variable (non-guaranteed) with returns based on the future performance of the opted funds and fulfillment of other applicable Policy conditions. 
    • If your Policy offers guaranteed returns, then these will be clearly marked as "guaranteed". The above illustration has been determined using assumed future investment returns of 8% and 4% respectively. 
    • ~Get security on investment by having premium in the form of Regular Income or Lumpsum benefit through Tata AIA Life Insurance Smart Income Plus (UIN:110N126V05) 
    • ^Liquidity through partial withdrawal from ULIP funds after completion of 5 years. 
    • #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 implications mentioned anywhere on this site. Please consult your own tax consultant to know the tax benefits available to you.
    • $All funds open for new business which have completed 5 years since inception are rated 4 star or 5 star by Morningstar as of August 2024
    • %©2024 Morningstar. All rights reserved. The Morningstar name is a registered trademark of Morningstar, Inc. in India and other jurisdictions. The information contained here: (1) includes the proprietary information of Morningstar, Inc. and its affiliates, including, without limitation, Morningstar India Private Limited (“Morningstar”); (2) may not be copied, redistributed or used, by any means, in whole or in part, without the prior, written consent of Morningstar; (3) is not warranted to be complete, accurate or timely; and (4) may be drawn from data published on various dates and procured from various sources and (5) shall not be construed as an offer to buy or sell any security or other investment vehicle. Neither Morningstar, Inc. nor any of its affiliates (including, without limitation, Morningstar) nor any of their officers, directors, employees, associates or agents shall be responsible or liable for any trading decisions, damages or other losses resulting directly or These assumed rates of return are not guaranteed and there are no upper and lower limits of what you might get back at Maturity, due to the fact that the value of your Policy is dependent on a number of factors including future investment performance. 
    • The customer has the choice of purchasing any one or more products as per his/her need and choice and there is no compulsion whatsoever that these products are to be taken together as suggested by the Insurer and presented in this advertisement. 
    • The customer is expected to ask questions, understand, and satisfy himself that the combination meets his/her specific needs better before deciding to purchase the suggested combination. The illustration in this advertisement is the arithmetic combination and chronological listing of combined benefits of individual products.  
    • The fund is managed by Tata AIA Life Insurance Company Ltd. (hereinafter the “Company”). 
    • Past performance is not indicative of future performance. Returns are calculated on an absolute basis for a period of less than (or equal to) a year, with reinvestment of dividends (if any). 
    • All investments made by the Company are subject to market risks. The Company does not guarantee any assured returns. The investment income and price may go down as well as up depending on several factors influencing the market. 
    • Please know the associated risks and the applicable charges, from your insurance agent or the Intermediary or policy document issued by the insurance company.
    • Please make your own independent decision after consulting your financial or other professional advisor. 
    • The performance of the managed portfolios and funds is not guaranteed, and the value may increase or decrease in accordance with the future experience of the managed portfolios and funds.
    • These products are underwritten by Tata AIA Life Insurance Company Limited. 
    • Unit Linked Life Insurance products are different from traditional insurance products and are subject to risk factors. Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA Life Insurance Wealth Maxima/ Tata AIA Life Insurance Wealth Pro/ Tata AIA Life Insurance Fortune Maxima/ Tata AIA Life Insurance Fortune Pro are only the name of the Unit Linked Life Insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns. 
    • The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions. 
    • The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns. 
    • Please know the associated risks and the applicable charges, from your insurance agent or the Intermediary or policy document issued by the insurance company. Linked insurance products do not offer any liquidity during the first five years of the contract. 
    • The customer is advised to refer the detailed product brochure of respective individual products, segregated premium particulars of each product. 
    • For details of the rates and the terms and conditions applicable to the particular person/policy, kindly refer to the specifications in the policy document after issuance. 
    • For more details on risk factor, terms, and conditions, please read Sales brochure of the particular plan carefully before concluding a sale.
    • Insurance cover is available under these products. 
    • These plans are not a guaranteed Issuance plan, and it will be subject to Company’s underwriting and acceptance. 
    • Depending upon the factors such as health, occupation of the customer and other intrinsic factors such as non-submission of documentary evidence like age proof, the premium will be adjusted accordingly, as per the underwriting guidelines of Tata AIA Life Insurance Company Limited. 
    • To know the details of premium and benefits for each plan of this combination solution please go through the benefit illustration of individual product as provided to you. 
    • 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 total premiums paid. 
    • All Premiums, Charges, 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, charges or interest. Tata AIA Life shall have the right to claim, deduct, adjust, 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/Sep/2668
    crossImg

    Looking to buy a new insurance plan?

    Existing customer?

    or

    New user? Our experts are happy to help.

    +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

    Thank you for sharing your details.

    Our representative will contact you soon.