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Tata AIA Life Insurance
Secure Insurance Solutions

Nurture your goals and achieve them with Secure Insurance Solutions

Secure Insurance Solutions by Tata AIA Life Insurance is an innovative solution that lets you build your
savings and investments while leading a worry-free and protected life!

Plan
Benefits

Capital Protection:

Through a market investment, you can make a profit on your investment. But every day in the market is not the same, and your capital may not always be protected. Secure Insurance Solutions helps you maximize the capital returns on your investment by securing the returns. With the help of expert fund management, your investments can withstand the market’s fluctuations, ensuring that your returns are always protected.

The benefit of Investing in the Equity Market:

Equity and equity-linked investments are lucrative for profits as they enable you to choose from multiple investment options that offer higher returns than other investments like gold, Public Provident Funds, Fixed Deposits, etc. Through Secure Insurance Solutions, you can leverage the benefits of investing in the equity market for earning better returns.

Limited Payment Term:

You can enjoy the benefits of a complete policy term and life cover without having to make the premium payments for the entire term. With the limited pay option, you can choose between a premium payment term of 7 years for a policy term of 15 years or a premium payment term of 10 years for a policy term of 21 years.

Flexible Choice of Funds:

Under Secure Insurance Solutions, you can access a variety of investment funds and choose ones that are best suited to your needs and your portfolio’s risk tolerance. With fund options catering to high-risk, medium risk and low-risk investors, the solution also enables you to switch between funds as per your preference.

Liquidity:

The fund value of your investments can be used to fulfil your financial needs and goals. Through investments in liquid assets, Secure Insurance Solutions enables you to liquidate your investments at the end of the investment’s lock-in period and avail of the funds to meet your needs!

Highlights of the Plan



Salient Features of the Secure Insurance Solutions:

 

 The comprehensive solution provides you and your loved ones with life cover protection throughout the policy term and maturity benefits at the end of the policy term.

You can earn market-linked returns on your investments that help you grow your wealth systematically.

 Enjoy the benefit of guaranteed protection on all the premiums paid towards the insurance policy.

Plan at a Glance Documents Required to Buy the Plan

Plans under the Secure Insurance Solutions -

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 & Policy Term

Premium payment term of 7 years for a policy term of 15 years or premium payment term of 10 years for a policy term of 21 years 

Premium payment term of 7 years for a policy term of 100 years (issue age) or premium payment term of 10 years for a policy term of 100 years (issue age)

Minimum Entry Age (as on last birthday)

 

18 years

18 years

Maximum Entry Age (as on last birthday)

 

50 years

50 years

Minimum Premium

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

None. The limit is subject to guidelines as per board-approved underwriting.



Below is the list of documents required to purchase the Tata AIA Life Insurance Secure Insurance Solutions

 

Proof of Identity

 

One of the following - PAN Card/Aadhar Card/Driving License/Passport

 

Proof of Address

 

One of the following - Aadhar Card/Passport/Voter’s ID/Driving License/Electricity Bill/Ration Card/Rent Agreement/Bank Statement (with address) attested by the bank manager.

 

Banking Details

 

Bank Statement attested by the bank manager or passbook with entries of the last 6 months.

Bank Statement attested by the bank manager or passbook with entries of the last 6 months.

One of the following - Bank Statement/passbook entries of last 6 months/salary slips of last three months/Employer Certificate/Income Tax Returns/Latest Form 16

Benefit Illustrator

Illustration 1 Illustration 2 Illustration 3 Illustration 4

Combination of Tata AIA Life Insurance Smart Income Plus and Tata AIA Life Insurance Fortune Pro

Tata AIA Life Insurance Smart Income Plus with Endowment Benefit


Entry Age 35 years
Policy Term 21 years
Premium Payment Term 10 years
Premium Frequency Annual
Sum Assured ₹10,78,000
Modal Premium (without GST) ₹98,000

 



 

Tata AIA Life Insurance Fortune Pro, Fund Allocation: Large Cap Equity Fund

Entry Age 35 years
Policy Term 21 years
Premium Payment Term 10 years
Premium Frequency Annual
Sum Assured ₹10,78,000
Modal Premium (without GST) ₹98,000

 

Combination of Tata AIA Life Insurance Smart Income Plus and Tata AIA Life Insurance Fortune Maxima

Tata AIA Life Insurance Smart Income Plus with Endowment Benefit


Entry Age 35 years
Policy Term 15 years
Premium Payment Term 7 years
Premium Frequency Annual
Sum Assured ₹34,10,000
Modal Premium (without GST) ₹3,10,000



 

Tata AIA Life Insurance Fortune Maxima, Fund Allocation: Large Cap Equity Fund

Policy Term 65 years
Premium Payment Term 7 years
Premium Frequency Annual
Sum Assured ₹33,25,000
Modal Premium (without GST) ₹1,90,000

 

Combination of Tata AIA Life Insurance Smart Income Plus and Tata AIA Life Insurance Wealth Maxima

Tata AIA Life Insurance Smart Income Plus with Endowment Benefit

 

Entry Age 35 years
Policy Term 15 years
Premium Payment Term 7 years
Premium Frequency Annual
Sum Assured ₹68,20,000
Modal Premium (without GST) ₹6,20,000

 

 



Tata AIA Life Insurance Wealth Maxima, Fund Allocation: Large Cap Equity Fund

 

Policy Term 82 years
Premium Payment Term 7 years
Premium Frequency Annual
Sum Assured ₹98,80,000
Modal Premium (without GST) ₹3,80,000

 

Combination of Tata AIA Life Insurance Smart Income Plus and Tata AIA Life Insurance Wealth Pro

Tata AIA Life Insurance Smart Income Plus with Endowment Benefit


Entry Age: 35 years
Policy Term: 15 years
Premium Payment Term: 7 years
Premium Frequency: Annual
Sum Assured: ₹68,20,000
Modal Premium (without GST): ₹6,20,000

 


 

Tata AIA Life Insurance Wealth Pro, Fund Allocation: Large Cap Equity Fund

 

Policy Term: 15 years
Premium Payment Term: 7 years
Premium Frequency: Annual
Sum Assured: ₹38,00,000
Modal Premium (without GST): ₹3,80,000

 

How Does the Tata AIA Life Insurance Secure Insurance Plan Work?

Step 1

Choose the plan option

Tata AIA Life Insurance Secure Insurance Solutions offers two plan options:

Option 1 - Regular Income

With this plan option, one can receive the sum assured as a regular income during the income period after the maturity of the plan.

Option 2 - Endowment

By choosing the endowment option, one can receive the sum assured as a lump sum benefit after the maturity of the plan.

 

Step 2

Choose the 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:

  1. 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.

  2. 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 needs and objectives.

Plan Specific Riders


How to Buy the Tata AIA Life Insurance SIS Plan Online

Buying the Tata AIA Life Insurance Secure Insurance Solutions is an easy process that can be completed in four simple steps:

  1. Choose a suitable option in Secure Insurance Solutions 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.

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

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

  4. 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.

Frequently Asked Questions 


General
What is the Secure Insurance Solutions?

Secure Insurance Solutions 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 Solutions is a more comprehensive product that provides complete financial security and 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 Solutions?

You should buy Secure Insurance Solutions 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.

Plan
What are the plan options under Secure Insurance Solutions?

Secure Insurance Solutions 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 Solutions?

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 maturity benefit but also their investment returns.

Can Secure Insurance Solutions replace my current ULIP policy?

While a Unit-Linked Insurance Plan is good for investments, Secure Insurance Solutions also offers capital protection on the investments which helps the investor enhance 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 Solutions 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 Solutions?

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 maturity benefits either as a lump sum or as a regular income.

Claim Process
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 is 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.

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