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Be it insurance or investment, trust the top rated. Invest in a ULIP plan that promises market-linked returns1 from funds rated 4 or 5^ by Morningstar~
This Plan helps you build your wealth over the years by investing a portion of the premium amount regularly in investment funds of your choice under the policy.
You get to choose from a range of fund options as per your risk appetite and investment goals. Enjoy the benefit of switching between investment funds that can help you get closer to the expected investment returns.
Keep your family safe with a long and protective life cover for up to 80 years of age.
Your investment can be boosted with loyalty additions~~ as an incentive for staying consistently invested in the plan over the investment period. These additions add to the total corpus in your fund to boost your wealth plan.
This ULIP plan enables you to choose from different policy terms and premium payment terms along with your choice of premium payment mode so that you can align your financial goals with your investment horizon.
Select one or all of the optional rider% benefits offered under the policy for additional coverage on your policy. Protect your family from unforeseen events or benefit from a waiver of premium when needed.
Align your investment portfolio with the Tata AIA Life Insurance Enhanced SMART portfolio strategy, a systematic transfer plan to help your investment grow in a structured manner in a volatile equity market.
Get Income Tax benefits as per the prevailing income tax laws#.
Our experts are happy to help you!
As a Unit-Linked Insurance Plan, the Tata AIA Fortune Pro is designed for investors who want to create and build their wealth over the medium to long term. With a life cover sum assured, an opportunity to create a financial corpus and enhance your policy with optional coverage, you should get the Tata AIA Fortune Pro if you are:
A Young Working Professional
A Young Working Professional
Looking for Diversification
Looking for Diversification
Seeking Market-Linked Returns1
Seeking Market-Linked Returns1
Planning Your Retirement
Planning Your Retirement
Get life cover of up to 80 years of age, to keep your loved ones safe from any future unforeseen eventualities. In case of any unfortunate event such as death of the life assured before the end of the policy term, the life cover will pay out the sum assured death benefit for their financial security.
You can redirect your future premium allocation to a different set of funds. This facility is available at no extra cost and you can choose to redirect the premiums as and when you review your investments.
By opting for the Enhanced SMART (Enhanced Systematic Money Allocation & Regular) portfolio strategy, the policy enables you to invest in debt-oriented funds and equity-oriented funds that offer your investments the benefit of rupee cost averaging in a volatile financial market.
Once the lock-in period of your ULIP is complete, the policy allows you to make up to four free partial withdrawals from your investment fund. This ensures you can fulfil any emergency needs or financial obligations that may arise during the course of the policy term.
Step 1 : Select a Suitable Sum Assured
Depending on the choice of your premium payment mode – Single Pay, Regular Pay, Limited Pay, you can choose a minimum or maximum basic sum assured, as per your needs and affordability.
Step 2 : Choose the Policy Term and Premium Payment Term
With convenient options of policy terms and premium payment terms and modes, you can select one option that best aligns your investment and life insurance goals with the policy term.
Policy Term |
6 to 40 years |
Premium Paying Term |
Single Pay Limited Pay – 5 to 20 years Regular Pay– 12 to 40 years |
Step 3 : Complete the Online Purchase
When you buy our Tata AIA Fortune Pro policy online, we offer different digital payment channels through which you can pay your premium and complete the purchase.
IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER
Non-Participating, Unit Linked Individual Life Insurance Savings Plan (UIN: 110L112V07)
Tata AIA
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 your investments
You can choose from range of fund options for enhanced investment opportunities
Get tax benefits as per applicable tax laws#
Minimum Issue Age (Age last birthday) |
0 years (30 days) |
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Maximum Issue Age (Age last birthday) |
65 years |
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Minimum Maturity Age (Age last birthday) |
18 years |
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Maximum Maturity Age (Age last birthday) |
80 years |
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Policy Term |
6 to 40 years |
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Premium Paying Term |
Single Pay Limited Pay – 5 to 20 years Regular Pay – 12 to 40 years |
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Pay Mode |
Single, Annual, Semi-Annual, Quarterly, Monthly |
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Minimum Premium1 |
Single Pay – ₹25,000 Regular/Limited Pay – ₹12,000per annum |
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Maximum Premium1 |
Single Pay – ₹5,00,000 Regular/Limited Pay – ₹5,00,000 per annum |
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Minimum Basic Sum Assured2 |
Up to age 49
Age is as of last birthday |
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Maximum Basic Sum Assured2 |
For Single Pay –
For Regular / Limited Pay |
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Entry Age Band |
Maximum Multiple of AP |
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0 to 29 |
Higher of the (Policy Term/ 2 or 30) |
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30 to 35 |
Higher of the (Policy Term/ 2 or 20) |
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36 to 45 |
Higher of the (Policy Term/ 2 or 15) |
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46 to 65 |
Higher of the (Policy Term/ 2 or 10) |
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AP = Annualised Premium. It is the premium to be paid in a year and does not include taxes, rider premiums and underwriting on extra premiums on riders, if any. |
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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 ₹1,000.
2Increase or decrease in Basic Sum Assured by changing the premium multiple is allowed subject to Underwriting and limit set by the Company. If Basic Sum Assured is the starting point, Basic Sum Assured should be the next higher multiple of ₹1,000.
Linked, Individual, Health Insurance Rider (UIN: 110A027V02 or later)
Linked, Individual, Health Insurance Rider (UIN: 110A026V02 or later)
A Non-Linked, Non-Participating, Individual Health Insurance, Premium Paying Rider (UIN: 110B029V02 or later)
A Non-Linked, Non- Participating Individual Health rider (UIN: 110A048V03 or any later version)
A Non-Linked, Non- Participating Individual Health rider (UIN: 110A047V02 or any later version)
A Non-Linked, Non- Participating Individual Health rider (UIN: 110A031V03 or any later version)
A Non-Linked, Non- Participating Individual Health rider (UIN: 110A032V03 or any later version)
What is a life insurance investment plan?
A life insurance investment plan comes with the dual benefit of medium to long-term investment as well as life insurance cover to protect your loved ones. Under this type of plan, you can choose your investment funds as per your investment objectives, tenure and affordability and pay your premiums towards the plan.
The premiums will be divided between the investment and the life cover of the life insurance policy. These plans can be a good choice for investors seeking to create a wealth plan through market-linked returns1.
Are Unit-Linked Insurance Plans the same as savings plans?
No, Unit-Linked Insurance Plans are not the same as savings plans. Under savings plans, you save your money in the life insurance policy by paying the premiums and at the end of the policy term, you receive guaranteed returns that have been accumulated throughout the policy term. On the other hand, Unit-Linked Insurance Plans do not offer guaranteed returns as they are market-linked products and offer returns accordingly.
Therefore, your investment returns will be based on the market performance of your selected funds. However, the life cover under a ULIP is guaranteed and so, in the event of your death, the sum assured, as promised, will be paid out to your nominee.
How do I purchase a ULIP?
You can choose to buy a ULIP offline or online. The offline purchase can be made by visiting any of the Tata AIA Life Insurance branch offices. Alternatively, if you want to buy the policy online, simply head to our Buy Online page and fill in your details to purchase your Unit-Linked Insurance Plan.
Are there any tax benefits on ULIPs?
A ULIP investor can avail of tax benefits of up to ₹1,50,000 on the policy premiums paid towards the ULIPs under Section 80C of the Income Tax Act, 1961. Subject to opting for old regime of tax under the prevailing income tax laws.
Under Section 10 (10D) of the Income Tax Act, 1961, the maturity benefits under the ULIP will be tax-free. And if you continue your investment through the lock-in period of 5 years, you can continue enjoying the tax benefits. However, this is applicable where the premiums do not exceed 20% of the sum assured for plans purchased before April 01, 2012. For a ULIP purchased after April 01, 2012, the premium should be less than 10% of the sum assured. Also, for ULIP purchased after April 01, 2023 who’s premium is below Rs. 250,000/-
Is it better to buy a policy online?
Buying your policy online helps you save more time as the online purchasing process is quick and easy. Moreover, you can also check the different plan options, calculate your ULIP returns online, and read the online brochure and reviews before buying the plan from the comfort of your home. In the case of offline plans, the process of researching your ULIP and buying it is more time-consuming.
Does Tata AIA Fortune Pro offer any fund options?
Yes, the Tata AIA Fortune Pro allows you to choose from range of different investment funds as per your investment objectives and risk appetite. You can either opt for a few or all of the fund options available under the plan. Additionally, you can also opt for switching between the funds during the course of the policy term if you want to realign your fund options with the expected returns.
What is the lock-in period of Tata AIA Fortune Pro?
When you invest in Tata AIA Fortune Pro, the lock-in period for this Unit-Linked Insurance Plan is 5 years starting from policy inception. During this period, you may not liquidate your funds, make any complete or partial withdrawals or surrender the policy. Hence, if you are seeking a steady investment that cannot be liquidated or interrupted for a given time period, you can opt for Tata AIA Fortune Pro.
What is the minimum and maximum entry age for this investment plan?
The Tata AIA Fortune Pro policy can be issued at the minimum entry age of 0 years and 30 days. The maximum entry age for this ULIP is 65 years.
What are the riders available under this Unit-Linked Insurance Plan?
The following riders% are available under this policy:
Can I top-up my sum assured under this ULIP?
Yes, this Unit-Linked Insurance Plan enables you to top up your sum assured. However, you may not increase or decrease the top-up sum assured during the policy term once you have opted for this facility.
How does the top-up feature work?
The minimum top-up amount offered under this plan is ₹5000 and the acceptance of the top-up is subject to the underwriting guidelines of Tata AIA Life Insurance. The total amount of the top-up premiums cannot exceed the sum of the base policy premiums paid throughout the policy term.
You can choose to allocate the top-up amount as per your needs to all or some of your chosen funds under the plan and this premium will also be subject to the lock-in period of 5 years unless the policy is completely withdrawn.
What is the death benefit under this plan?
In case the policyholder has also opted for a top-up sum assured, then in case of Life Assureds death, their nominee stands to receive highest of top-up sum assured or the fund value of the top-up premium or 105% return of the total top-up premiums paid until the date of death.
What is the maturity benefit of this plan?
If you survive the policy term of the Tata AIA Fortune Pro policy, you are eligible to receive a payout of the total fund value. This fund value comprises of the Regular/Single premium fund value and the top-up premium fund value (if any), valued at the Net Asset Value as on the date of the policy’s maturity.
What is the life insurance cover offered by this plan?
The life cover option under the Tata AIA Fortune Pro policy offers life insurance protection to you and your family until the maximum maturity age of 80 years.
What are my premium payment options under this plan?
You can choose the Single Pay option where all your premiums can be paid as a lump sum. Or you could opt for the Limited Pay option for 5 to 20 years. Under the Regular option, you can pay the premiums for a premium paying term of 12 to 40 years, respectively.
Single
Monthly
Quarterly
Semi-Annual
Annual
Is it possible to make partial withdrawals on this ULIP?
The Tata AIA Fortune Pro policy has a lock-in period of 5 years during which no partial or complete fund withdrawals are allowed. However, subject to the policy being in force after 5 years from the policy issuance, a minimum partial withdrawal of Rs 5000 under the regular premium option can be made. However, this amount is subject to the total fund value of the policy as per the withdrawal guidelines.
Moreover, for a policy purchased on the behalf of a minor, partial withdrawals can only be made once the insured reaches 18 years of age. Each year, you can make up to four free partial withdrawals.
Do I need to file a separate claim for the rider benefits?
Yes, the rider% benefits can only be claimed when the insured is affected by the events covered under the rider. The riders cover accidental death or disability or waiver of premium, subject to rider terms and conditions.
What are the documents required for a claim settlement?
You can click here to know the list of all the documents needed for the claim intimation and settlement process.
How do I file a claim under this policy?
To file a claim, you can choose any of the following channels to reach out to us:
You can visit our official website, go to the Claims page to upload your documents and register your claim online.
For a chat-based service, type “CLAIM” and send it on our WhatsApp number 7045669966
If you need the documents to be picked up from your home, give us a call.
Look for your nearest Tata AIA Life Insurance branch office here and visit us.
Get in touch with us at customer.care@tataaia.com or on our helpline number 1860-266-9966 or NRI number +91-80-67603700 for any claim-related assistance.
Our experts are happy to help you!
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