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IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER Non-Participating, Unit Linked, Whole Life Individual Savings Plan (UIN:110L113V05)

Tata AIAFortune Maxima

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Tata AIAFortune Maxima


With Tata AIA Fortune Maxima, fulfil your medium to long term goals such as children’s education, retirement planning and creating legacy for future generations.

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Building your investments and creating wealth through the returns they generate can help you fulfil all your financial goals. Any investment needs time and discipline to grow and multiply, which not only builds a regular habit of long-term investing but also protects your funds from risks.

The Tata AIA Fortune Maxima is a comprehensive investment solution to address your financial needs as well as for your family’s future security. With a choice of multiple investment fund options and a whole life insurance coverage, you and your family are completely shielded from life’s uncertainties!

 

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Benefits of Tata AIA Life Insurance Fortune Maxima

  • Top Rated Funds

    Grow your wealth by Investing in the funds of your choice between Equity, Debt or Balanced funds. Our funds have been rated 4 or 5 stars^ by Morningstar~. 

  • Life Cover Till 100 Years

    Enjoy uninterrupted whole life insurance coverage till 100 years of age so that you need not worry about the financial security of your family. 

  • Loyalty Additions to Your Corpus

    Get additional units as loyalty additions* from the 11th policy anniversary, at the rate of 0.20% of the units per fund, to boost your investment.

  • Your Choice of Investment

    Enjoy the liberty to choose your investment avenue – take your pick from multiple fund options or opt for the Enhanced SMART (Enhanced Systematic Money Allocation & Regular Transfer) portfolio strategy.

  • Riders for Enhanced Coverage

    Choose from three optional rider^^ benefits to enhance your ULIP policy coverage and secure your loved ones against unforeseen risks and events.

  • Get Income Tax Benefits 

     Get Income Tax benefits as per the prevailing income tax laws.

Why Choose Tata AIA Life Insurance?

Faster Claim Settlement

Your claims are settled within 4 hours**

Top Rated Funds

Our funds have been rated 4 or 5 stars^ by Morningstar~

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

Eligibility Criteria

Minimum Issue Age

0 Years (30 Days)

Maximum Issue Age

60 Years

Maximum Age at Maturity

100 years

Policy Term

100 minus Issue Age

Premium Payment Term

Single Pay

Limited Pay – 5 to 20 years

Premium Paying Mode

You can pay your premiums using Single Pay, Annually, Half-yearly, Quarterly and Monthly mode of payment

Minimum Premium1

Single Pay – ₹25,000

Limited Pay – ₹12,000 p.a.

Maximum Premium2

Single Pay – ₹5,00,000

Limited Pay – ₹5,00,000 p.a.

Minimum/ Maximum Basic Sum Assured (BSA)

Minimum -

 

For Single Pay – 1.25 times the Single Premium

For Limited Pay – 7 * Annualized Premium

 

Maximum –

 

For Single Pay – 1.25 times the Single Premium

For Limited Pay – Higher of (10, 0.5 * Policy Term) * Annualized Premium

 

 

 

Annualized Premium (AP) means the premium amount payable in a year excluding the taxes, rider premiums and underwriting extra premiums on riders, if any

 

PT - Policy Term

(For the purpose of Basic Sum Assured, Policy Term = 70 minus Issue age)


All reference to age as on last birthday

Add Optional Riders^^ to Increase your Plan Coverage

Tata AIA Waiver of Premium (Linked) Rider

 



Linked, Individual, Health Insurance Rider (UIN:110A026V02)

Tata AIA Waiver of Premium Plus (Linked) Rider



Linked, Individual, Health Insurance Rider (UIN:110A025V02)

Tata AIA Accidental Death and Dismemberment (Long Scale) (ADDL) Linked Rider 

 


Linked Individual, Health Insurance Rider (UIN:110A027V02)

Tata AIA Vitality Protect Plus  

 


A Non-Linked, Non- Participating Individual Health rider (UIN: 110A048V01)

Tata AIA Vitality Health Plus 

 


A Non-Linked, Non- Participating Individual Health rider (UIN: 110A047V01)

Tata AIA Life Insurance Linked Comprehensive Health Rider 


A Non-Linked, Non- Participating Individual Health rider (UIN: 110A031V02)

Tata AIA Life Insurance Linked Comprehensive Protection Rider  


Non-Linked, Non- Participating Individual Health rider (UIN: 110A032V02)

ULIP Plans and their Performance

Check the performance of our top performing funds. 

View NAV

Downloads

Download brochure
Download policy bond


Frequently Asked Questions
 

  • General

    Is a Unit-Linked Insurance Plan (ULIP) the same as a savings plan?

    No, a ULIP or Unit-Linked Insurance Plan is a life insurance plan that allows you to earn market-linked returns through your investment. On the other hand, a savings plan enables you to save your money in the policy for the policy term and on maturity, offers a guaranteed maturity benefit.

    How does a Unit-Linked Insurance Plan work?

    When you buy a ULIP, you start paying the premiums as per the selected premium payment mode and term. Each premium will be split into the life cover and the investment. Throughout the premium payment term, the premium of the investment component will buy fund units of the market funds you have invested in. Until the end of the policy term, these funds can keep growing, and on policy maturity, you will receive the fund value.

    What amount should I invest in my ULIP?

    You can pay the minimum annualised premium or the maximum limit for investing in your ULIP. The investment amount should be aligned with your expected returns that will be utilised in the future to meet your financial obligations. Hence, determine your future needs, including any emergency needs, so that you can start investing an amount that will give you the desired returns at the end of the investment tenure.

    For how long should you invest in a Unit-Linked Insurance Plan?

    Since ULIPs are flexible and offer a range of policy terms (investment tenures), you can choose any investment tenure that can help you earn the expected returns. Note that ULIPs have a lock-in period of 5 years, and the policy term will be greater than this lock-in term. You can make partial withdrawals from your ULIP after these 5 years. You can choose your investment period as per the policy term as well as the premium payment term of the ULIP.

    Do ULIPs offer guaranteed returns?

    No, ULIPs do not offer guaranteed returns, as the returns are linked to the market performance and may fluctuate. The amount you receive on maturity is the fund value which reflects how much your investment has grown over the years. You can know the expected returns on your ULIP with a ULIP calculator, but it may not be the same as the actual returns on maturity.

  • Policy

    What is the Enhanced SMART option under this ULIP?

    The Enhanced SMART option is a portfolio strategy that comprises a systematic transfer plan which is free of charge. You can choose this option instead of the multiple fund options offered under the ULIP. The Enhanced SMART is available only for the Single Pay or Annual premium mode. If you want to switch between funds, you can only switch between the fund options offered under this strategy.

    What is the debt-oriented and equity-oriented funds under Enhanced SMART?

    The debt-oriented funds offered are:
     

    • Whole Life Income Fund 

    • Whole Life Short-Term Fixed Income Fund
       

    The equity-oriented funds are:
     

    • Emerging Opportunities Fund

    • Sustainable Equity Fund

    • Large Cap Equity Fund

    • Whole Life Mid Cap Equity Fund

    • Multi Cap Fund

    • India Consumption Fund

    • Top 50 fund

    • Top 200 fund

    • Super Select Equity Fund

    How does the partial withdrawal feature work under the Tata AIA Fortune Maxima?

    Withdrawals from the ULIP fund can be made under the Regular/Single Premium mode 5 years from the date of the policy being issued. The minimum amount for partial withdrawal is ₹1,000/-, subject to policy terms and conditions. In case the insured of the ULIP is a minor, they can only make partial withdrawals after the age of 18 years. Any number of partial withdrawals can be made in a policy year provided the total amount of partial withdrawals in a policy year does not exceed 25% of the fund value.

  • Coverage

    Does the Tata AIA Fortune Maxima offer whole-life coverage?

    Yes, you can avail of whole life insurance coverage of up to 100 years of age with Tata AIA Fortune Maxima.

    What is the minimum premium payable under this ULIP policy?

    The minimum premium payable under this ULIP is as follows:

    • Single Pay – ₹25,000

    • Limited Pay – ₹12,000 p.a.

    What are the optional riders available under this ULIP plan?

    The following riders^^ are available under the Tata AIA Fortune Maxima:

    • Tata AIA Waiver of Premium (Linked) Rider - Linked, Individual, Health Insurance Rider (UIN:110A026V02)

    • Tata AIA Waiver of Premium Plus (Linked) Rider - Linked, Individual, Health Insurance Rider (UIN:110A025V02)

    • Tata AIA Accidental Death and Dismemberment (Long Scale) (ADDL) Linked Rider – Linked Individual, Health Insurance Rider (UIN:110A027V02)

    • Tata AIA Vitality Protect Plus – A Non-Linked, Non- Participating Individual Health rider (UIN: 110A048V01)

    • Tata AIA Vitality Health Plus – A Non-Linked, Non- Participating Individual Health rider (UIN: 110A047V01)

    • Tata AIA Life Insurance Linked Comprehensive Health Rider – A Non-Linked, Non- Participating Individual Health rider (UIN: 110A031V02)

    • Tata AIA Life Insurance Linked Comprehensive Protection Rider- – A Non-Linked, Non- Participating Individual Health rider (UIN: 110A032V02)

    What is a Top-Up premium under this policy?

    When your policy is in force, you can opt for a Top-Up premium wherein you can top-up your policy with additional premiums 4 times a year. The top-up cannot be paid in the last 5 years of the policy term and should be a minimum of ₹5,000 and will be subject to a lock-in period of 5 years.

  • Claim

    How can I reach Tata AIA Life Insurance to file a claim?

    To file a claim with us, reach out to us via the following channels: 

    • 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

    Which claims can I file under the Tata AIA Fortune Maxima?

    In case of an unfortunate death of the life assured within the policy term, the nominee can file a death claim to receive the sum assured. If the policyholder survives the policy term, then they should file a maturity claim when the policy matures to receive the maturity benefit, which is the fund value.

    How can my nominee file a claim from another country?

    Yes, your nominee can file a claim online or offline from outside India. For an online claim, they can simply upload the required documents online or send us soft copies via email. For an offline claim, the nominee can have their representative in India visit any of our office branches with the documents couriered to them.

    What are the documents needed to file a claim under this ULIP?

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

Disclaimer 
  • The complete name of Tata AIA Fortune Maxima is Tata AIA Life Insurance Fortune Maxima - Non-Participating, Unit Linked, Whole Life Individual Savings Plan (UIN: 110L113V05)
  • ^on a 5-year basis as of September 2022.
  • ~©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 (5) 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.
  • *Loyalty Additions will be credited only if Policy is in-force and all due premiums have been paid. For Regular Pay, additional units @ 0.20% of units in each of the funds under Regular Premium Account will be credited (post deduction of applicable charges) to the respective funds every Policy Anniversary starting from eleventh (11th) Policy Anniversary till end of Policy Term. For Single Pay, additional units @ 0.35% of units in each of the funds under the Single Premium Account will be credited (post deduction of applicable charges) to the respective funds every policy anniversary starting from sixth (6th) Policy Anniversary till end of Policy Term. Loyalty Additions are not payable on Top-up Premium Account.
  • ^^Riders are not mandatory and are 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/Intermediary/ branch.
  •  Tata AIA Accidental Death and Dismemberment (Long Scale) (ADDL) Linked Rider - Linked, Individual, Health Insurance Rider (UIN: 110A027V02 or later), Tata AIA Waiver of Premium (Linked) Rider - Linked, Individual, Health Insurance Rider (UIN: 110A026V02 or later), Tata AIA Waiver of Premium Plus (Linked) Rider - A Non-Linked, Non-Participating, Individual Health Insurance, Premium Paying Rider (UIN: 110B029V02 or later), Tata AIA Vitality Protect Plus - A Non-Linked, Non- Participating Individual Health rider (UIN: 110A048V01 or any later version), Tata AIA Vitality Health Plus - A Non-Linked, Non- Participating Individual Health rider (UIN: 110A047V01 or any later version), Tata AIA Life Insurance Linked Comprehensive Health Rider - A Non-Linked, Non- Participating Individual Health rider (UIN: 110A031V02 or any later version) are available under this plan.
  • Vitality is a trademark licensed to Tata AIA Life by Amplify Health Assets PTE. Limited, a joint venture between Vitality Group International, INC. and AIA Company Limited. The assessment under the wellness program (Tata AIA Vitality) shall not be considered as a medical advice or a substitute to a consultation/treatment by a professional medical practitioner.
  • #Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfillment 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.
  • **Applicable to only non-early claims more than 3 years of policy duration, non-investigation cases, up to Sum assured of 50 lacs. Applicable for branch walk in. Time limit to submit claim to Tata AIA by 2 pm (working days). Subject to submission of complete documents. Not applicable to ULIP policies and open title claims.
  • ~~Individual death claim ratio for FY 2021-22 as per annual financial statements.
  • 1Increase or decrease in Premium is not allowed under this plan. If Premium is the starting point, Premium should be chosen to be a multiple of Rs 1,000.
  • 2Increase or decrease in Basic Sum Assured is not allowed under this plan. If Basic Sum Assured is the starting point, Basic Sum Assured should be next higher multiple of Rs 1,000.
  • This product is underwritten by Tata AIA Life Insurance Company Ltd. 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. 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 all the premiums paid. Unit Linked Life Insurance products are different from traditional insurance products and are subject to risk factors. The fund is managed by Tata AIA Life Insurance Company Ltd. (hereinafter the “Company”).
  • Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & Tata AIA Life Insurance Fortune Maxima 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.
  • 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. 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. 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. Whilst every care has been taken in the preparation of this document, it is subject to correction and markets may not perform in a similar fashion based on factors influencing the capital and debt markets; hence this review note does not individually confer any legal rights or duties. Every effort is made to ensure that all information contained in this publication is accurate at the date of publication, however, the Company shall not have any liability for any damages of any kind (including but not limited to errors and omissions) whatsoever relating to this material.
  • 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.
  • 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.
  • L&C/Advt/2022/Dec/3184

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