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Tata AIA Life Insurance

Wealth Creation Plans

When it comes to achieving your goals, an investment plan can be of great help. Therefore, Tata AIA Life Insurance presents its wealth solutions which not only offer you the benefit of creating and growing your wealth through suitable market-linked returns on your investment but which also help you protect your family from life’s uncertain risks.

Popular Tata AIA Life Insurance Wealth Creation Plans

Tata AIA Life Insurance
Fortune Pro

A ULIP plan with all funds rated 4 or 5 stars^ by Morningstar^~

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Tata AIA Life Insurance
Param Rakshak Plus

A comprehensive, and holistic solution to create generate wealth and secure your future.

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What is a ULIP Policy?

ULIP or Unit Linked Insurance Plan is a combination of investment and life insurance that helps you grow your wealth through market investments and also helps your family stay safe under a protective life cover.

The market-linked returns help you increase your wealth over the years which enables you to fulfil your dreams and goals in life. These plans also allow you to choose the funds you want to invest in and let you switch between funds as per your choice. This helps you ensure that you are in control of the funds.

Table of Content

Types of ULIP Plans
Popular Tata AIA ULIP Plans
Why Invest In a ULIP?
What are the key features of a ULIP plan?
What are the Benefits of ULIP a plan?
Why Purchase ULIP Plans Online?
Which Investor Class is Most Suited for Investments into a ULIP Plan?
How to Choose a ULIP Plan?
What is a ULIP Calculator?

ULIP Eligibility Criteria
Steps to Buy a ULIP Plan Online
Charges Involved - ULIP Premium Calculation
What are ULIP Funds and What Type of Funds do ULIP Plans Offer?
Why Choose Us?
Check Out the Different Online Insurance Plans from Tata AIA Life Insurance
People Like You Also Read
Frequently Asked Questions

Types of ULIP Plans

Every Unit-Linked Insurance Plans is different and depending on the investor and their investment and insurance needs, a ULIP can be utilized to fulfil the following goals and more:

ULIP for Wealth Creation

A ULIP can be used to create and grow wealth through investments market-linked returns over the long term to meet financial goals and major expenses that cannot be fulfilled by regular savings.
ULIP for Children’s Education

The returns from a ULIP can be used to fund your child’s education if you align the investment horizon and the goals. You can also make partial withdrawals from the ULIP after the 5-year lock-in period to make tuition fee payments, etc.
ULIP for Health Benefits

ULIP returns can be used as a future emergency fund in case of medical emergencies. Moreover, you can also add an optional health rider^# to your ULIP so that you can be protected against the costs arising from a health emergency.
ULIP for Retirement

You can make long-term investments in ULIPs and the returns received can be used to help you lead a comfortable life during your retirement years and handle financial emergencies when you have no steady source of income.

Why Invest in a ULIP?

Get Better returns

ULIP plans offer better returns along with the benefit of life cover.
Avoid the Hassle of Managing Stocks

ULIPs don’t need you to manage the funds as you do with stocks. Once you pay your premiums, you can stop worrying about your investment and the insurance company will manage the funds on your behalf.
Multiple Fund Options to Choose From

With ULIPs, you can choose from multiple fund options and also switch between the funds to ensure that your investment continues growing in the market.
Transparency

You get to choose the funds of the ULIP and are also informed of all the ULIP charges.
Liquidity

Once the lock-in period is through, you can make partial withdrawals on your ULIP policy and fulfil any financial commitments as needed.

Key Features of ULIP

Flexibility

ULIPs offer adequate flexibility to the policyholder, be it the fund options, fund allocation and also the choice of riders. Some ULIP plans also provide regular loyalty additions to the fund to help the policyholder stay invested.
Funds for Crucial Milestones in Life

A ULIP can help you build funds and create wealth over the long term for dealing with important milestones in life that may require major expenses. It could be something such as purchasing a new home or starting a new business.
Protecting the Child's Future

ULIP plans are also useful when it comes to funding your child’s future dreams and aspirations, be it a new hobby or a specialized course. The funds will enable the child to pursue their dreams without you having to worry about the finances.
Financial Security Post Retirement

After retirement, the lack of a steady income can be troublesome. But with your ULIP returns, you can ensure a comfortable life for you and your family while being protected under the policy’s life insurance cover.
Switch Between Different Fund Options

You can keep track of your ULIP policy and monitor the performance of the funds based on the market movement. If you feel that the funds are not performing in a way your investment can falter, you can choose to switch between funds.
Investment and Insurance Under One Plan

ULIPs are known for the dual advantage of investment and insurance they offer under a single policy. With a ULIP you can grow your wealth with market returns while you and your family enjoy a secure life cover protection.
Liquidity

After the mandatory lock-in period of 5 years, you can make withdrawals on your ULIP policy to meet any financial needs. However, the policy and the investment continue and you won’t have to worry about the shortage of funds.
Death and Maturity Benefits

ULIPs offer death benefits and maturity benefits. In case of the policyholder’s death, the nominees can receive either the sum assured or the fund value while the policyholder can receive the fund value as a survival benefit.

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

TATA AIA Life Insurance

Fortune Pro (UIN: 110L112V04)

Key Features:

A ULIP Plan with all funds rated 4 or 5 stars^ by Morningstar~
Start investing with as low as Rs 1000 /month**
Regular Loyalty Additions to boost investments
Flexibility to choose from 11 Fund options for enhanced investment opportunities
Get tax benefits as per applicable tax laws^#

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Benefits of ULIPs

Life Protection and Investment

ULIPs provide the dual advantage of long-term wealth creation through market-linked returns that serve your financial goals and also protect your family with a life cover in your absence with a death benefit.

Market-linked Returns

ULIPs offer better market linked returns and you can choose from the available funds to grow your wealth.

Regular savings

Since the premiums for the policy are invested in the ULIP each month, you can start a regular investment in this manner, without having to worry about multiple plans or investments to grow your wealth.

Sum Assured

In the event of the policyholder’s unfortunate death, a ULIP’s life cover provides the sum assured or the fund value (the greater of the two) to the nominee.

Maturity Benefits

If the policyholder survives the policy term, then they are entitled to the maturity benefits of the plan, which is the total fund value of the ULIP.

Long-term Investment Benefits

ULIPs are market investment instruments with a mandatory lock-in of 5 years which makes them ideal for achieving long-term financial goals.

Withdrawal Benefits

After the mandatory lock-in period of 5 years, ULIPs allow partial withdrawals which can be useful if a regular income is needed in times of emergency.

Tax^# Benefits

ULIP premiums are eligible for tax deductions as per the applicable tax laws.

Why Purchase ULIP Plans Online?

Independent Purchase

When you purchase our ULIP plans online, you can make an independent and informed decision based on your own research, online reviews, the information on our website, and our ULIP brochures and also make the online payment on your own without any interruption.
Hassle-free experience

Our convenient and quick online experience ensures that you can refer to all the information on our website, easily get in touch with our customer service team for any queries and also make easy online payments through your preferred online payment mode.
Go paperless and green

Our online process will not ask you for excessive documents and paperwork for buying a ULIP policy. Simply provide a few basic details and soft copies of essential documents as needed and upload them to our website. This way, you can cut down on the wastage of paper and save the planet!

ULIP Plans and their Performance

Check the performance of our top performing funds.

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Which Investor Class is Most Suited for Investments into a ULIP Plan?

These are some important steps that can help you with retirement planning:

Hands-on Investors

Many investors invest passively and look at their investments once in a while. However, ULIPs are designed for those who prefer to keep a close watch on their investment’s performance. Since ULIPs provide the flexibility of switching between funds, hands-on investors can track their market performance and make changes to their funds to get better returns.

With multiple fund options in ULIPs, investors have the chance to improve their investment if they feel that certain funds need it. Some insurance companies also allow a limited number of free fund switches for the convenience of such investors.
Investors Across Different Life Stages

ULIPs are investments that are flexible enough to meet the needs of investors across different age groups. For example, someone who has just started their career and would like to build their wealth can start investing in a ULIP and also avail of a life cover to protect their family. On the other hand, a married individual with a family can choose a balance between their ULIP investment and the life cover it offers.

Depending on their life stage, one can always choose if they want to build their ULIP investment or increase the life cover.
People with Varying Risk Appetites

ULIPs are known to offer a variety of options in debt, equity, and hybrid funds that cater to investors of all kinds. Aggressive investors and conservative investors can also choose the funds based on their risk appetite and the type of returns they seek.

By keeping an eye on the historical Net Asset Value (NAV), an investor can find the ULIP they are looking for. In this way, investors with a high-risk appetite as well as risk-averse investors can find a ULIP that suits their needs while getting a life cover for their family.
Investors with Medium to Long-Term Investment Horizon

Investors who are looking for long-term investments tend to opt for ULIPs since this investment is better suited for medium to long-term goals. With a mandatory lock-in period of 5 years, ULIPs help investors prepare for their future financial goals that are planned out for a period of 5-10 years or more.

To find a suitable Unit-Linked Insurance Plan, an investor should track the ULIP’s Net Asset Value (NAV), the equity-debt allocation as per their risk profile, and the total value of the fund and also be sure to use our Tata AIA Life Insurance ULIP plan calculator.

How to Choose a ULIP Plan?

Analysis of Personal Investment Goals

Since each investor has different goals, first, be sure to analyse your personal goals and the time needed to achieve them, and then look for a ULIP investment plan that will help you fulfil these goals within the given investment horizon.
Decide Insurance Objectives

ULIPs also offer the benefit of a life cover that can be adjusted to meet your needs. If you have more financial liabilities and commitments, the insurance protection should also be greater so that your family can be protected.
Decide Investment Goals

It should be clear why you are investing in a ULIP. Such investments can fulfil a number of major goals and expenses such as the purchase of a home or your relocation to another city after retirement with your family.
Compare ULIPs

Since no two ULIPs will be the same, you will need to compare the plans to understand which features, benefits, and funds are better suited for your investment. Always look for the features that will help you reach your goals.
Flexibility

A ULIP should be able to offer a flexible tenure as per your investment horizon as well as a good choice of funds so that you are not restricted to limited options that may not be aligned with your investment goals.
Evaluate Risk Profile

Not every investor’s risk profile and risk appetite are the same. Therefore, when choosing a Unit-Linked Insurance Plan, risk-averse investors choose plans with low-risk funds while aggressive investors opt for plans with high-risk funds.
Understand Different Charges Levied

ULIPs carry certain charges such as fund management expenses, premium allocation charges, etc., that can affect your investment value. Therefore, keep these charges in mind before you start investing in a ULIP.
Performance of ULIP Funds

ULIPs have funds whose performances are linked to the market. To ensure that you have a good selection of funds in your plan, check the ULIP performance of our funds so that you can make the most out of your investment.
Solvency Ratio

The insurance company that offers the ULIP should have a good solvency ratio. This term means that the company’s financial health is good and you will be able to receive your ULIP returns and benefits as and when they are due.
Claim Settlement Ratio

Your insurer’s claim settlement ratio will also matter while choosing a Unit-Linked Insurance Plan since this figure indicates the number of claims they have settled against the number of claims they receive in a financial year.

What is a ULIP Calculator?

A ULIP calculator is an online tool that helps you know the maturity amount or the ULIP returns that you can receive from your Unit-Linked Insurance Plan. Once you provide the information about your investment and your expected returns on the policy, you can know about the returns after the investment tenure.

There are various features of online ULIP calculators that help you get an estimate of the expected returns and the future value of your investments. This also helps you compare the different ULIP plans that are available. With the help of the calculator, you can make a reasonable comparison and analysis instead of simply going by the ULIP charges, which is only one factor for selecting a ULIP.

However, since ULIPs are market-linked instruments, it is advisable to be guided by your financial advisor on the same.

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ULIP Eligibility Criteria

To be able to invest in a ULIP, the following eligibility criteria needs to be met:

The investor should meet the age criteria as specified by the policy and the insurance provider.
The policyholder should be below the maximum entry age as specified by the policy and the insurance provider.
The investor/policyholder should be able to make the premium payments towards the policy chosen by them.

Steps to Buy a ULIP Plan Online

To buy a ULIP plan online in a hassle-free manner, follow the below steps:

Visit the official Tata AIA Life Insurance website.
Go to the “Life Insurance Plans” section and click on “Wealth Creation Plans (ULIPs)”.
Choose the plan you want to purchase and go through the features and benefits of the policy.
You can also download the product brochure and use our online ULIP calculator to get an estimate of the returns.
Next, choose the policy tenure and the premium payment term of the policy.
Choose the mode of online payment and proceed to make the payment.

Charges Involved - ULIP Premium Calculation

Premium Allocation Charge

A percentage of the premium paid on the policy that is charged on the allocation of the premium allocation in different funds under the Unit-Linked Insurance Plan is known as the premium allocation charge.
Fund Management Charge

This charge is a percentage of the value of all the assets and is calculated, mostly on a daily basis, by adjusting the Net Asset Value of the fund. This charge is levied at an annual rate and is divided by 365 and then multiplied by the number of days that have passed since the last unit valuation date.
Policy Administration Charge

This charge is a percentage of all the premiums paid towards the policy and is calculated monthly at each anniversary by deducting the units starting from the date of the policy inception.
Mortality Charges

These are the charges levied for offering the life insurance risk cover to the policyholder during the policy tenure. These charges are guaranteed for the whole policy terms and are levied on the age of the policyholder and on the risk.
Surrender / Discontinuance Charge

If you choose to surrender your policy, then a charge will be levied on the fund value when the policy is discontinued or when the funds are withdrawn, whichever comes first.
Switch Charge

To ensure that you can manage and customise your own investments, you are allowed a maximum of 12 switches for each policy year which are free of cost, and these switches are also allowed during the settlement period.
Premium Redirection Charge

When you purchase a ULIP policy, you are allowed a maximum of 6 premium redirections or future premium allocations for each policy year, which are all free of charge. Premium redirections after this will attract a fee.
Partial Withdrawal

After the mandatory lock-in period of 5 years, you can make two free partial withdrawals from your ULIP each policy year. However, no partial withdrawals are allowed in the discontinuance and settlement period.

What are ULIP Funds and What Type of Funds do ULIP Plans Offer?

Here are the types of ULIP funds you can choose:

Equity Funds

Medium to high-risk investors opt for equity funds as they aim to invest in company stocks for capital appreciation. These funds are quite closely connected to the market movement and therefore, carry higher risks.
Balanced funds

Hybrid funds or balanced funds are a combination of equity funds and fixed interest instruments and are suitable for medium risk investors. Such funds provide adequate exposure to the market and the risk in equity is balanced by the debt investments.
Debt Funds

Debt funds are considered to be in the medium risk category as they invest in debt instruments such as corporate bonds, government securities, and some low-risk fixed income instruments.
Cash Funds

Also known as money market funds, these funds are considered to be low-risk investments since they invest in bank deposits, cash, and money market instruments.

Why Choose Us?

Range of ULIP plans

At Tata AIA Life Insurance, you can find a range of ULIP policies designed to help you fulfil your financial goals through market-linked returns on your investment.
Pay as per convenience

You can select a flexible premium payment term and policy term as per your investment goals and choose the funds that will help you reach the goals.
Comprehensive Protection

While you build your investment portfolio and grow your wealth, you can secure your family with a protective life insurance cover for their safety.
Seamless claim settlement

Our claim settlement ratio of 98.02% for FY 2020-211 shows that we ensure timely claim settlements for your family’s financial security.

Check Out the Different Wealth Solutions from Tata AIA Life Insurance

Wealth Solutions

Tata AIA Life Insurance Unit-Linked Insurance Plans help you achieve your goals by creating and growing your wealth through investments, enabling you to enjoy the benefits of market-linked returns along with a secure life cover.

Tata AIA Life Insurance
Fortune Maxima

Tata AIA Life Insurance
Fortune Pro

Tata AIA Life Insurance
Wealth Maxima

Tata AIA Life Insurance
Wealth Pro

Tata AIA Life Insurance
Smart Sampoorna Raksha

View All Solutions Calculate Premium

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Frequently Asked Questions

Generic Coverage Premiums Claim

What are ULIP charges?

Charges in ULIP policies are the costs that are deducted from the total amount invested in a ULIP policy. These include fund management charges, premium allocation costs, administration charges, and mortality charges.

How do I choose a ULIP plan?

You can choose a ULIP plan based on your risk appetite, investment goals, and investment horizon. However, also be sure to calculate the charges in a ULIP policy with the help of a ULIP calculator to understand the returns you will receive.

Can low-risk investors choose a ULIP?

Yes, there are ULIPs available for low-risk investors as well. You can choose the funds that you want to include in your portfolio and the fund allocation for these depending on your risk appetite.

Does a ULIP have life insurance cover?

Yes, ULIPs offer a life insurance cover to your family. In case of your untimely demise during the policy term, your nominee will receive either the sum assured or the fund value as a death benefit, whichever is higher.

How many members can a ULIP policy cover?

Depending on the coverage you choose, you can cover all your family members under a single ULIP policy. Consider their financial needs and obligations along with your goals and financial commitments so that the death benefit is adequate enough to cover their needs in your absence.

Can I invest the entire amount in investment and opt-out of life cover?

No, while it is not possible to avoid the life cover in a ULIP, you can choose how much life cover you need and how much you would like to invest in the ULIP funds. Remember that the life cover is an important part of the ULIP.

Do I get to choose the fund options in the ULIP?

Tata AIA ULIP plans allow you to choose the fund options in the policy so that you can plan your investment goals according to your financial plan and invest only in the funds of your preference.

Can I buy a ULIP plan online?

Yes, you can buy a ULIP plan online on the Tata AIA Life Insurance official website. And before you purchase the plan, you can also use the Unit-Linked Insurance Plan calculator to know about the ULIP charges and the returns you can get from the plan.

How are the premiums divided in a ULIP?

The premiums paid towards a ULIP policy are divided into the life cover as well as the investment amount of the policy.

Do I have to pay additional premiums for the ULIP riders^#?

No, unlike riders for other life insurance plans, you do not need to pay premiums for ULIP riders. Once you add the rider to the ULIP, units of the ULIP fund are deducted each month so that the rider continues to be in effect.

What are the premium payment modes under a ULIP plan?

You can pay your ULIP premiums in the monthly, quarterly, semi-annual, annual or single premium payment mode.

Do ULIPs have a waiver of premium benefit?

Yes, if you have a Tata AIA Life Insurance ULIP, you can add the Tata AIA Life Insurance Waiver of Premium Plus (Linked) Rider UIN: 110B029V02) or the Tata AIA Life Insurance Waiver of Premium (Linked) Rider (UIN: 110A026V02) to the plan to avail of the waiver of premium benefit under specified circumstances.

Will my ULIP policy continue when I stop paying my premiums?

No, if you stop your premium payments, you will not only be unable to accumulate and grow your wealth but will also not be able to protect your family with a life cover under the ULIP plan.

What are the documents needed to file a claim?

Please click here to know the list of documents needed for the claim intimation and settlement process.

What claims can you file under a ULIP plan?

Your nominee can file a claim under a ULIP. The death benefit either be paid out in the form of the sum assured or the fund value, whichever is higher.

How do I file a claim on my ULIP?

You can file a claim on ULIP by getting in touch with us:

Send us an email: customercare@tataaia.com
Call our helpline number - 1860-266-9966 (local charges apply)
Visit us at any Tata AIA Life Insurance Company branch offices
Write 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 can a savings plan claim be processed if the nominee is not in India?

If the nominee wants to file a claim but is outside of India, they can either upload the attested copies of the relevant documents online or email them to us. If they want to file the claim offline, they can send the documents to their representative in India who can visit any of our offices and file the claim on their behalf.

In how many days will my claim be settled?

It will take about 30 days to settle a claim effectively, as per the regulatory TAT (turn-around time). But if the claim needs to be investigated, the process will take up to 90 days, as per the regulatory TAT.

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Disclaimer

^#Riders are not mandatory and are available for a nominal extra cost. For more details on benefits, premium charges and exclusions under the Rider(s), please contact Tata AIA Life's Insurance Advisor/ Intermediary/ Branch.
^{^}on a 5-year basis as of December 2021.
^~©2020 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 the data published on various dates and procured from various sources and (4) shall not be construed as a n 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 traducing decisions, damages or other losses resulting directly or indirectly from the information
^**The Premium payable under the policy is exclusive of applicable taxes, duties, surcharge, cesses or levies.
¹Individual Life Claim Settlement Ratio is 98.02% for FY 2020 - 21 as per the latest annual audited figures.
Linked Insurance Products do 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.
INSURANCE COVER IS AVAILABLE UNDER THIS PRODUCT. THIS PRODUCT IS UNDERWRITTEN BY TATA AIA LIFE INSURANCE COMPANY LIMITED. THE PLAN IS NOT A GUARANTEED ISSUANCE PLAN AND IT WILL BE SUBJECT TO COMPANY’S UNDERWRITING AND ACCEPTANCE. THIS PRODUCT WILL BE OFFERED TO STANDARD LIVES ONLY.
Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA Life Insurance Fortune Pro is 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 fund is managed by Tata AIA Life Insurance Company Ltd.
For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale. The precise terms and condition of this plan are specified in the Policy Contract.
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).
Investments 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 make your own independent decision after consulting your financial or other professional advisor.
Tata AIA Life Insurance Param Rakshak Plus solution comes in, which comprises of Tata AIA Life Insurance Smart Sampoorna Raksha, a Unit-linked, Non-participating, Individual Life Insurance Plan for Savings and Protection (UIN:110L156V01), Tata AIA Life Insurance Linked Comprehensive Protection Rider, a Non-linked, Non-participating, Individual Health Rider (UIN: 110A032V02), and Tata AIA Life Insurance Linked Comprehensive Health Rider, a Non-linked, Non-participating, Individual Health Rider (UIN: 110A031V02).
Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. Please know the associated risks and the applicable charges, from your Insurance Agent or Intermediary or Policy Document issued by the Insurance Company.
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. The underlying Fund's NAV will be affected by interest rates and the performance of the underlying stocks.
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.
Premium paid in the 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.
Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document issued by the Insurance Company.
L&C/Advt/2022/May/0953